Mon Best Of http://monbestof.com/ Mon, 11 Oct 2021 11:54:07 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://monbestof.com/wp-content/uploads/2021/04/cropped-pp-32x32.png Mon Best Of http://monbestof.com/ 32 32 Hong Kong 2021 Retail Banking Competitor Benchmarking Report: HSBC, Standard Chartered, Bank of China, Mox Bank, ZA Bank, Hang Seng Bank, Citibank – ResearchAndMarkets.com https://monbestof.com/hong-kong-2021-retail-banking-competitor-benchmarking-report-hsbc-standard-chartered-bank-of-china-mox-bank-za-bank-hang-seng-bank-citibank-researchandmarkets-com/ Mon, 11 Oct 2021 11:30:00 +0000 https://monbestof.com/hong-kong-2021-retail-banking-competitor-benchmarking-report-hsbc-standard-chartered-bank-of-china-mox-bank-za-bank-hang-seng-bank-citibank-researchandmarkets-com/

DUBLIN – (COMMERCIAL THREAD) – The report “Hong Kong Retail Banking – Concurrent Benchmarking 2021” has been added to ResearchAndMarkets.com offer.

This report examines market performance, retention risk and current account market share. It ranks the best banks in Hong Kong on a range of criteria, from digital adoption and user experience to rewards and money management tools.

Despite the impact of COVID-19, Hong Kong banks remain well capitalized and ready to support the recovery going forward. All incumbents increased their total divisional assets (ADT) in 2020.

Although the threat of a long-term low interest rate environment persists, profitability is unlikely to be affected as banks focus on controlling costs and non-interest income. As net interest margins across the banking industry contract due to the need for ultra-low interest rates, the importance of non-price factors has become significantly more important in the banking space. .

Scope

  • The use of digital channels peaked in 2020. However, the return to pre-pandemic habits appears to be underway. Standard Chartered, HSBC, Hang Seng Bank, and Bank of China all experience greater branch usage in 2021 than in 2020.

  • 38% of Citibank’s customers have joined it in the past five years, suggesting that its customer acquisition efforts have been successful.

  • HSBC is leading the way in cross-selling, with 20% of its customers owning three products with the bank. Challengers ZA Bank and Mox Bank are struggling in this regard due to a lack of services.

Reasons to buy

  • Find out which banks in Hong Kong are performing the best.

  • Find out which banks are threatened and perceived as late by customers.

  • Understand the Hong Kong retail banking landscape and how it can evolve based on key performance indicators.

Main topics covered:

  1. Abstract

  2. Financial performance, market share and cross-selling

  3. Channel traffic trends and digital adoption

  4. Client satisfaction

  5. Annex

Companies mentioned

  • HSBC

  • Standard charter

  • bank of china

  • Mox Bank

  • ZA Bank

  • Hang Seng Bank

  • Citibank

For more information on this report, visit https://www.researchandmarkets.com/r/mwacb0

]]> Glendale, Tucson among 10 Best Cities to Buy a Second Home https://monbestof.com/glendale-tucson-among-10-best-cities-to-buy-a-second-home/ Sun, 10 Oct 2021 23:13:18 +0000 https://monbestof.com/glendale-tucson-among-10-best-cities-to-buy-a-second-home/

Buying a second home may seem like a pipe dream, something reserved for the better-off. But in reality, this is far from the truth. Buying a second home is more feasible than you might think for homeowners of all income levels looking to make a real estate investment or just have a vacation spot. Demand for second homes has skyrocketed during the pandemic, increasing 84% year over year, according to a Redfin study.


READ ALSO: Top 5 Predictions for Residential Real Estate in Phoenix


Where you buy your second home can make or break your investment, not to mention how much fun you get from your new pad. To help you make the right decision for your needs, the Hippo team analyzed data such as median housing costs, average home insurance premiums, real estate appreciation, crime rates and more. more for the 100 most populous cities in the country.

The best cities for a second home

If you don’t feel like living in a particular part of the country, but feel financially prepared to buy a second home, consider relocating to one of the following cities. With low median housing prices, relatively low property crime rates, and high walk scores and comfort ratings, these cities are perfect for families and young homeowners.

1. Fort Wayne, Indiana

2. El Paso, Texas

3. Saint-Louis, Missouri

4. Glendale, Arizona

5. Laredo, Texas

6. Boise, Idaho

7. North of Las Vegas, Nevada

8. Bakersfield, California

9. Riverside, California

10. Tucson, Arizona

5 best western cities to buy a second home

The largest region of the United States, the western part of our country is a melting pot of landscapes, cultures and activities. This means that if you are not yet sure where you want to buy your second home, but know what you want to be nearby, it is safe to assume that you will find what you are looking for in this part. from the country. From bright lights and Las Vegas casinos to ideal temperatures and sunny California beaches, there is something for everyone in the western half of the United States.

Unfortunately, many West Coast states are known for their high cost of living and sky-high house prices. But that doesn’t mean that there aren’t some great places to buy property. You might be surprised at the affordability of some of the smaller towns dotted throughout the region. Take a look at the top five cities for a second home in the West below.

Are you surprised to see a California city on our list? Don’t be! While house prices can be relatively high (albeit extremely low compared to its neighbor Los Angeles), the city’s affordable home insurance premiums, cost of living, comfort index, and value. Steadily increasing property ownership makes investing in Riverside a no-brainer. Riverside also has one of the lowest living costs and the highest comfort ratings of any city we surveyed, making California a dream not just a dream for many homeowners.

With home and home insurance prices even lower than Riverside, Bakersfield, Calif., Ranks fourth on our list of the best cities for a second home in the West. Bakersfield has been awarded an A + rating for ethnic and economic diversity, making it a smart choice for young professionals looking to expand their real estate portfolio. Plus, proximity to mountains, beaches, and major cities combined with a low cost of living consolidates Bakersfield as a little-known Golden State gem.

Just steps from the hustle and bustle of the Las Vegas Strip, buying a second home in North Las Vegas, Nevada is a great idea for young homeowners. Whether you want to live close to the action or just plan to rent the property out to tourists to earn some cash, this Vegas suburb can be the perfect choice. And if you’re a NASCAR fan, you’ll love the proximity to Las Vegas Motor Speedway, which also hosts various dirt and drag racing events.

Want to own a home in a town where you can go to a jazz festival, watch minor league sports teams, and ski and hike within the city limits? Next, head to Boise, Idaho, a perfect city for families due to its low crime rate, highly regarded schools, and huge return on investment. In fact, Boise has seen the largest increase in property value over the past 10 years out of the 100 cities we surveyed.

A northwest suburb of Phoenix, Glendale, Arizona, took first place in the Western region due to its affordable home insurance premiums, high rate of property value growth and index Steps. But aside from the numbers, Glendale draws people in with fun attractions such as the West Wind Drive-In and a huge array of antique stores that have earned Glendale the nickname “Arizona’s ancient capital.”

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Amazing Los Angeles Homes | Wallpaper* https://monbestof.com/amazing-los-angeles-homes-wallpaper/ Sun, 10 Oct 2021 04:04:16 +0000 https://monbestof.com/amazing-los-angeles-homes-wallpaper/

The City of Angels is also the city of architectural dreams. And Los Angeles homes are a joy – from iconic Modernist residences (hello, Garcia House and Moore House – see below), to minimalist mansions, and fascinating renovations and reinventions of existing historic fabric, to completely new contemporary homes, large and small, in all shapes and sizes. Bathed in sunlight under California blue skies and at the forefront of their domain, these homes are rich and diverse, representing the best of Los Angeles architecture.

Amazing Los Angeles Homes

Hollywood Hills House by Envelope Architecture + Design

Photography: Matthew Millman

The slopes of rolling Los Angeles suburbs are home to some of the world’s finest Modernist residences – think Pierre Koenig’s Case Study House No 22 and John Lautner’s Chemosphere House. That’s what a couple – an interior designer and a contractor – had in mind when they started looking for a family home. Their search led them to unlikely terrain in the Hollywood Hills, ragged, empty, and bordering on a nature preserve. The steep slope, while still offering striking views, was almost unbuildable. Called for help, architect Douglas Burnham, director of Envelope Architecture + Design at Berkeley, was not fazed. Customers took over the land, and with it the ability to build from scratch in the hills, to create a contemporary response to these modernist classics. The architects secured the slope and landscape designer Matthew Brown re-fortified the site with native species. Soon a curious green volume began to spring from the foliage. The team enveloped the site in a wall of sculpted concrete, but this bright, cantilevered upper volume makes the house hard to miss. “There is an exuberance in the architecture of LA,” says Burnham. “There is room to experiment. The shade of green came from the customer’s preferences, but also from the canopy of the trees – although ours is largely an artificial green. ‘ The Hollywood Hills home has almost no conventionally shaped rooms. “The floor plan is very angled and faceted, few parallels or perpendiculars,” says Burnham. “We’ve tried to improve movement in the house, so it’s about spaces of movement and flow. This takes place in plan but also in section, with the volume of the main chamber slightly inclined, leaving more room for the space below. Broken geometry gives a relaxed and informal feeling.

Cove Way by Sophie Goineau

Photography: Michael Clifford

A historic mid-century Beverly Hills home by Alfred Wilkes has been restored by interior designer Sophie Goineau. Cove Way, a Californian residence set in the middle of a green park, was originally built in 1957 in keeping with the modernist architectural traditions of the time. Today, after two years of meticulous research and construction work, the house has regained its former glory – with a 21st century twist, while drawing on themes from great modernists, such as Richard Neutra, Harold Levitt and Mies van der Rohe and a minimalist ‘less is more’ approach. Goineau worked on refreshing the existing elements and opening up the space while maintaining the important overall aesthetics and philosophy of the structure. The house, which covers approximately 5,000 m² and has four bedrooms, is made up of an arrangement of straight and curved lines and expanses of glass that open onto the green gardens and the swimming pool outside. The pronounced overhangs of a flat roof enhance the vertical feel and visually extend the low volumes elegantly.

Moore House by Woods + Dangaran

Photography: Joe Fletcher

This 1965 Craig Ellwood home in the Los Feliz neighborhood of Los Angeles has been given a new lease of life with a full restoration by Los Angeles architecture studio Woods + Dangaran. Called Moore House, the house brings together the best that California modernism has to offer; mid-century interiors, open-plan spaces, crisp, crisp volumes that are softened by the use of wood, architectural gardens and glass expanses that provide a long view of the cityscape beyond. When the team received the commission, the house was in poor condition, recalled Brett Woods and Joseph Dangaran. The two co-founders of the boutique architecture firm have to their credit a multitude of high-quality modernist-inspired homes, such as their recent Carla Ridge residence. Here, “the house envelope is improved to preserve the longevity of the structure and meet contemporary performance standards,” they explain.

Garcia House by John Lautner

Photography: Roger Davies

Perched nimbly on one side of the Hollywood Hills along Mulholland Drive in Los Angeles, John Lautner’s futuristic Garcia House is one of the most enduring specimens of the Mid-Century Modern movement. Completed in 1962 for jazz musician, conductor and Hollywood composer Russell Garcia and his wife Gina, the almond-shaped house is also well known for the steel caissons that hoist it 60 feet above the canyon. below that it is for its part in the years 1989 Lethal weapon 2, where he seems to fall apart in a blow to the villains of the film. Special effects and fame aside, the Garcia House, which indeed stands tall and tall, is now a part of living history, with its V-brackets, parabolic roof and stained glass windows. The current owners of the house, director of entertainment business John McIlwee and Broadway producer Bill Damaschke, have been on a mission to restore and revive the house since they bought it in 2002, while also keeping it there. living full time. Wallpaper * first featured on the house in our January 2009 issue (W * 118), when McIlwee and Damaschke were enjoying the fruits of their ambitious restoration efforts. “When we first saw the place in 2002, it was a bit of a mess,” McIlwee now remembers. “It was 25 years of neglect. Structurally, the house was perfect. The whole house rests on caissons and no part touches the ground. However, the roof was a big problem because it had deteriorated, ”he continues. “There was a leak through a window and she ate through part of the house. We went in, took out an old carpet, painted the house and lived there for a year. This was essential for us as we would have made different decisions if we had tried to get the job done before moving in. Writer: Pei-Ru Keh. Artistic direction: Michael Reynolds

Curson Residence by Nwankpa Design

Photography: Jess Isaac

Transforming an existing home to contemporary requirements while retaining a sense of a building’s original character and intention is no small feat. To do all of this during a pandemic is even more impressive. Achieving that balance between the old and the new, in the face of the challenges posed by local blockages and various other restrictions, is something architect Susan Nwankpa Gillespie has achieved in her latest project, Curson Residence. The project, completed by the architect’s studio, Los Angeles-based Nwankpa Design, involved the redesign of a 1920s storybook-style home in the city, which was artfully delivered by a design team and building made up entirely of women of color during the Covid -19 lockdown of 2020. The house featured a distinctive roof with steep slopes and a prominent tapered chimney facing the street. Nwankpa Gillespie worked with the main features of the original structure – such as its defining roof outline – to enhance its architectural presence on the exterior, but also its functionality and sense of space on the interior. Maintaining most of the roof, the architect pushed back the walls to add an additional 400 square feet to the existing 1,000 square foot home. The smart landscaping around the building will soon become a mature garden, adding a touch of nature to the urban site.

Monon Guesthouse by Jérôme Byron

Photography: Jess Isaac

A curious wooden structure has emerged in a back garden in the Los Angeles neighborhood of Los Feliz. Nestled behind a hillside property, here is Monon Guesthouse, the latest work of Californian architectural designer Jerome Byron; and its unusual appearance and lodge-like nature resembling architectural folly was no coincidence. “As a commission, the guesthouse was meant to spark the creativity and imagination of the husband and wife, entrepreneur and writer, and their two young children,” says Byron. The guesthouse, spanning two levels and some 245 square feet, now sits amid lush foliage in a finely landscaped architectural garden. The levels, walkways and planting were designed by the LA Terremoto office, who first entered the site, reimagining it with a wild and graphic garden of cacti and herbs. The small cabin-like addition was then added among this natural environment.

Carla Ridge Residence by Woods + Dangaran

Photography: Joe Fletcher

Los Angeles architecture studio Woods + Dangaran has designed an idyllic hillside home nestled in one of the city’s famous green runs. Located in Trousdale Estates, the Carla Ridge Residence embodies the spirit of Los Angeles living, bringing together an urban lifestyle with spotting scopes, open spaces, and architecture that merges indoors and outdoors while making a snap. to classical modernism. With a generous 9,800 square feet and five bedrooms, and created for a local developer, the home is expansive. It is also a design that is completely in tune with its surroundings, combining an open and flowing interior for its common areas, with an array of outdoor spaces. There are courtyards, paved decks, sheltered outdoor pathways, architectural gardens, and a stunning double infinity pool with views to the east of downtown Los Angeles and to the west to the ocean. Peaceful. “The visitor experience is carefully choreographed,” says the team.

Positively negative by Dan Brunn

Photography: Brandon Shigeta

This minimalist California beach house is the brainchild of American architect Dan Brunn. The house, located right on the Venice Beach waterfront, is an ode to raw concrete and clean volumes, but was born out of pragmatism and functionality; Positively Negative, as the house is named, was created in direct response to “the harsh marine weather conditions and the densely populated environment of its location,” explains the architect. Showcasing a narrow facade and attempting to strike a healthy balance between natural light, privacy and outdoor space, the design of the house was conceived as a series of stacked cubes. The composition is quite complex but also feels right at home in the Los Angeles-based Brunn portfolio – the architect is well known for his clean, minimalist sculptural work.

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Main striker? New to game 4? Roles of the enclosure? Ten questions as Red Sox return to Fenway – the Athletic https://monbestof.com/main-striker-new-to-game-4-roles-of-the-enclosure-ten-questions-as-red-sox-return-to-fenway-the-athletic/ Sat, 09 Oct 2021 23:10:23 +0000 https://monbestof.com/main-striker-new-to-game-4-roles-of-the-enclosure-ten-questions-as-red-sox-return-to-fenway-the-athletic/

Friday’s comeback changed the balance of this Red Sox-Rays divisional series. By splitting the first two games at Tampa Bay, the Red Sox gave themselves the field advantage for what is now a best-of-three. Win the next two games at Fenway Park and the Red Sox will enter the League Championship Series.

And they have their ace on the mound for Game 3.

“It’s my favorite time of the year,” Game 3 starter Nathan Eovaldi said in Saturday practice. “For us to be in this situation, we had to fight and fight all the time to be able to get here and be in this situation. We had a lot of guys who stepped up to be able to help us, and I want to be able to go on and help the team in any way I can. I love pitching in those moments and against teams like the Rays. It’s going to be a challenge. It’s gonna be fun.”

Usually, the situation speaks for itself. The Rays have been the best team in the American League this season, and the Red Sox have been one of the most surprising. The first 10 innings of this series were lopsided in favor of the Rays, but the Red Sox have enjoyed everything since then. Now the bigger question is if they can finish it and move on. We cannot answer this question yet. But we can take a look at these 10 questions that still hang over the Red Sox and their way ahead.

1. Who starts Game 4 and a potential Game 5?

We already know that Eovaldi will start Game 3, but Games 4 and 5 are question marks, not least because we don’t know who will come out of the pen on Sunday.

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At 35, Allyson Felix enjoyed the second best season of his track career in 2021 https://monbestof.com/at-35-allyson-felix-enjoyed-the-second-best-season-of-his-track-career-in-2021/ Sat, 09 Oct 2021 17:07:00 +0000 https://monbestof.com/at-35-allyson-felix-enjoyed-the-second-best-season-of-his-track-career-in-2021/

Allyson Felix, one of the greats to ever grace the runway, is proof that age is just a number. The 35-year-old is still going strong on the track.

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Felix is ​​one of the most decorated Olympians of all time. The American won a grand total of 11 Olympic medals in the 200m, 400m, 4x100m and 4x400m relays. Seven of these medals are gold, three of which are silver and one is bronze. At 35, Felix is ​​still going strong and recorded the second best season of his track career.

WATCH STORY – Mackenzie Dern vs Marina Rodriguez stats: record, size, reach and more

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TOKYO, JAPAN – AUG 07: Allyson Felix of Team USA reacts after winning the gold medal in the women’s 4x400m relay final on matchday fifteen of the Tokyo 2020 Olympic Games at the Stadium Olympic Games on August 07, 2021, in Tokyo, Japan. (Photo by Christian Petersen / Getty Images)

Allyson at the Tokyo 2021 Olympics

Felix won two medals at the Tokyo Summer Games, one gold in the 4x400m relay and one bronze in the 400m. In addition to the two Olympic medals, Felix also recorded his second fastest time in the 400m race in 2021. Felix ran a 49.46 seconds race, improved only by his time of 49.26 in 2015.

While she certainly gained experience, which would have been beneficial for her season, competing at the highest level for a track athlete in the final stage of her career is no small feat.

The incredible career of Allyson Felix

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With his two medals in Tokyo, Felix became the most decorated US Olympic track and field athlete of all time. Felix also holds the title of most decorated athlete, male or female, in the history of the World Championships in Athletics. She has won 18 career medals, 7 in individual events and 11 in team relays.

In winning his 12th and 13th world championship gold medals, Felix overtook Usain Bolt for the most gold of any athlete in World Track and Field Championships history.

EUGENE, OREGON – JUNE 20: Allyson Felix celebrates with daughter Camryn after placing second in the women’s 400-meter final on day three of the 2020 U.S. Olympic Track and Field Team Trials at Hayward Field on June 20, 2021, in Eugene , Oregon. (Photo by Patrick Smith / Getty Images)

Having such a remarkable winning streak at 35, Allyson Felix is ​​indeed an icon to admire.

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READ ALSO- Ariarne Titmus aims for a “peak” at the Olympic Games in Paris 2024 to beat Katie Ledecky again


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La Maison Blanche propose une « déclaration des droits » technologique pour limiter les dommages causés par l’IA, IT News, ET CIO https://monbestof.com/la-maison-blanche-propose-une-declaration-des-droits-technologique-pour-limiter-les-dommages-causes-par-lia-it-news-et-cio/ Sat, 09 Oct 2021 04:20:00 +0000 https://monbestof.com/la-maison-blanche-propose-une-declaration-des-droits-technologique-pour-limiter-les-dommages-causes-par-lia-it-news-et-cio/ Le Bureau de la politique scientifique et technologique de la Maison Blanche a lancé vendredi une mission d’enquête pour examiner la reconnaissance faciale et d’autres outils biométriques utilisés pour identifier les personnes ou évaluer leurs états émotionnels ou mentaux et leur caractère.

Le conseiller scientifique en chef de Biden, Eric Lander, et la directrice adjointe pour la science et la société, Alondra Nelson, ont également publié un article d’opinion dans le magazine Wired détaillant la nécessité de développer de nouvelles garanties contre les utilisations défectueuses et nuisibles de l’IA qui peuvent discriminer injustement les gens ou violer leur intimité.

“L’énumération des droits n’est qu’une première étape”, ont-ils écrit. « Que pourrions-nous faire pour les protéger ? Les possibilités incluent le refus du gouvernement fédéral d’acheter des logiciels ou des produits technologiques qui ne respectent pas ces droits, obligeant les entrepreneurs fédéraux à utiliser des technologies qui adhèrent à cette « déclaration des droits » ou l’adoption de nouvelles lois et réglementations combler les lacunes.”

Ce n’est pas la première fois que l’administration Biden exprime ses préoccupations concernant les utilisations nocives de l’IA, mais c’est l’une de ses étapes les plus claires pour faire quelque chose à ce sujet.

Les régulateurs européens ont déjà pris des mesures pour freiner les applications d’IA les plus risquées. Les réglementations proposées par les responsables de l’Union européenne cette année interdiraient certaines utilisations de l’IA, telles que l’utilisation par le gouvernement de l’analyse en temps réel des traits du visage dans les espaces publics, et en contrôleraient étroitement d’autres qui pourraient menacer la sécurité ou les droits des personnes.

Les dirigeants politiques des démocraties occidentales ont déclaré qu’ils souhaitaient équilibrer le désir de mettre en valeur le potentiel économique et sociétal de l’IA tout en répondant aux préoccupations croissantes concernant la fiabilité des outils permettant de suivre et de profiler les individus et de faire des recommandations sur les personnes ayant accès aux emplois, aux prêts et aux opportunités d’éducation.

Un document fédéral déposé vendredi sollicite les commentaires du public des développeurs d’IA, des experts et de toute personne touchée par la collecte de données biométriques.

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COP26 climate summit: why Scottish pension funds have never had a better time to commit to net zero carbon emissions – Natalie Jackson https://monbestof.com/cop26-climate-summit-why-scottish-pension-funds-have-never-had-a-better-time-to-commit-to-net-zero-carbon-emissions-natalie-jackson/ Sat, 09 Oct 2021 04:00:51 +0000 https://monbestof.com/cop26-climate-summit-why-scottish-pension-funds-have-never-had-a-better-time-to-commit-to-net-zero-carbon-emissions-natalie-jackson/
Pressure is mounting on investors to stop funding companies whose operations produce significant carbon emissions (Photo: Justin Tallis / AFP via Getty Images)

In response to the climate emergency, many cities, regions, businesses and investors are pledging to achieve net zero by 2050 at the latest. Nicola Sturgeon declared a climate emergency in April 2019 and the Scottish government has pledged to a net zero society by 2045 – five years ahead of the rest of the UK.

Even among those who have yet to declare a climate emergency or set a net zero commitment, there is recognition of a major problem that something urgently needs to be done about.

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So far, the commitments made by municipal leaders to act on the climate have been supported by various initiatives, such as the replacement of municipal car fleets with electric vehicles, the proposal to introduce low emission zones for greener cars and bicycle rental programs to encourage people to swap four wheels for two as they roam the towns of Scotland.

But perhaps their greatest power could be the impact of the decisions they make about where to invest retirement savings.

Scottish local government pension schemes serve over 500,000 retirees and members, the largest being the Lothian (assets of around £ 8 billion) and Strathclyde (assets over £ 26 billion). Their potential to invest for the good of the planet is enormous.

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Climate change: Humanity risks boiling like the proverbial frog as the world s …

Now, as we prepare for COP26 in Glasgow, the Scotland-based Global Ethical Finance Initiative (GEFI) is working with local government pension plans to help them overcome the challenges of their journey to zero net.

Net zero means striking a balance between greenhouse gases emitted into the atmosphere and those removed, and it is clear that one of the biggest challenges will be developing a credible plan to achieve this.

More than 80 senior financial leaders from around the world gathered last month after launching our article for pension providers and the road to net zero that lays bare the gravity of the situation. The document identifies the main challenges that pension funds face in their journey to net zero: precise and comprehensive data on the climate impact of investments; lack of knowledge of pension fund administrators and staff; and the inability to engage in climate action.

The paper examines questions such as “is divestment the answer?” And “Can pension providers ignore climate change?” “

Many climate activists are pushing plans to immediately withdraw their money from polluting companies. This could send a strong message, but we don’t think divestment is the primary strategy to use. It just shifts the problem elsewhere, and a more effective approach is active engagement to encourage positive change.

It is not only environmental activists who are calling for this action. The government and consumers want it too. In fact, one only needs to look at the policy papers of major political parties to predict that there will soon be legal and reputational hurdles to making money from investments that harm the planet.

Climate risk is a financial risk and a reputational risk. This is why the programs in Scotland should get their house in order now and, if done right, they will even have a business model and expertise to export to the rest of the world. A recent Aviva survey showed that two-thirds of millennials believe it should be mandatory for pensions to achieve net zero emission status by 2050.

GEFI has also conducted its own research in Scotland on attitudes to climate change and leadership.

The latest YouGov poll found that more than half of Scots don’t trust world leaders to come up with a solution to save the planet at the UN COP26 summit, although 60% felt the talks would be essential to cope. to the climate emergency.

Two-thirds believe Scottish financial institutions have a vital role to play in reducing emissions. More than a third said they only wanted their money to be invested in companies with a positive impact on the environment.

While confidence in world leaders is low when it comes to solving the climate crisis, it is clear that others need to step up their efforts. This is why big business and financial institutions, not only in Scotland and the UK, but around the world, need to take major responsibility.

There is a lot of green electricity in people’s pension funds, and it is time to use it more efficiently.

So what can Scottish pension providers actually do to become net zero, or at least start now on the road to it?

GEFI’s “transition roadmap” will define specific actions for pension providers so that they take action now in their climate journey.

As Adam Matthews, Director of Ethics and Engagement in the Church of England Pensions Board investment team, puts it: “Setting a long-term net zero goal is the game. easy ; the challenge is to have a credible and transparent framework that allows your fund to translate intention into practical decisions and actions.

The commitment of pension providers to this roadmap will raise Scotland’s profile as a country serious about a sustainable and even prosperous journey to net zero, and this would happen as the eyes of the world shift. are looking to an event in Glasgow to offer exactly these kinds of solutions.

Natalie Jackson is the lead author of the Global Ethical Finance Initiative, Pensions provider and the path to net zero report. GEFI is driving positive change in the financial sector to act on the United Nations Sustainable Development Goals, working with partners such as the Scottish Government and the United Nations Development Program

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“Lamb”, Review: A Horror Movie Where Intelligence Is the Problem https://monbestof.com/lamb-review-a-horror-movie-where-intelligence-is-the-problem/ Fri, 08 Oct 2021 22:50:49 +0000 https://monbestof.com/lamb-review-a-horror-movie-where-intelligence-is-the-problem/

The fantastic close to the horror “Lamb”, which leaves Friday in theaters demonstration of professionalism, that an experience. It’s only about twenty minutes of its one-and-three-quarter-hour battery life that sparks interest, thanks to a last-minute twist of industrial strength intelligence. The narrative trickery that sets up the story – and the sense of a setup is palpable throughout – results in a grossly simplified narrative that smacks of cynicism. “Lamb” strives to be admired even as he cuts his characters to pieces on a game board and his actors into puppets.

The subject of “Lamb” is a fantasy planted with meticulous but narrow attention to a realistic context. María (Noomi Rapace) and Ingvar (Hilmir Snær Guðnason) are a young couple on a farm in a remote part of Iceland. They grow crops (mostly potatoes) and raise a few dozen sheep, which live in a barn a short walk from their cozy, relaxed little farm across sloping fields. Their work days consist of driving a tractor, driving sheep through the fields, hauling hay for the sheep, preparing meals, helping the sheep to give birth, tagging and registering new arrivals. But their regular routine is disrupted by the barking of their dog near the barn; the couple enter to see what is happening with the sheep and, looking surprised, find that one of the sheep has given birth without help. Taking the newborn in her arms, María brings him back to the farm, where, wrapped in a blanket, he lives in a metal laundry tub. They give him milk from a bottle and raise him around the house, dragging a crib from a storage area to a space next to their own bed, where the swaddled lamb will live.

Despite glimpses of the awe-inspiring, mountainous Icelandic region and activities at home and on the farm, ‘Lamb’ offers virtually no characterization, no inner life, no substance. There is nothing wrong with a mystery filmed from the outside, in which only the observation of the characters can provide clues. But “Lamb” constructs his characters only as generators of clues; their identity is limited to their function. The gap between what the characters know (or, for that matter, who they are) and what they are shown doing is blatant and frustrating; it makes the film look like pages of written testimony on which there are more bands of black ink than readable text. It is, for example, only a third of the film that the lamb in question is actually revealed to be a hybrid of lamb and human – its head is that of a lamb and its right arm is a leg. lamb’s hairy front, but the rest of its body is humanoid. This fact, instantly known to the couple and weighing on them as some sort of serious matter, is kept secret from viewers.

María and Ingvar name the young sheep Ada (pronounced “ahda”), dress her in sweaters and pants, and raise her as their daughter. A few years go by. Ada is now a calm toddler who walks upright; she does not speak, but she understands what María and Ingvar are saying. Next, the family receives a visitor, Pétur (Björn Hlynur Haraldsson), the foolish brother of Ingvar, a former rock musician, who is brutally thrown from the trunk of a car on their property by a trio of people as María and Ingvar. assume are his creditors. María and Ingvar are astonished that Pétur has returned, that is to say that he lived or visited there; it is never specified, but it is in any case the first time that he goes there in years, and therefore the first time that he meets Ada. His skepticism about the couple’s decision to raise him takes on a particularly bitter and threatening character, for reasons that are only very belatedly and very little suggested to the viewer (but are immediately obvious to the three adults). María and Ingvar fear that Pétur will do something to harm Ada or otherwise get rid of her, and that air of fear and threat, combined with Pétur’s efforts to spark an affair with María, directs the drama. .

There is nothing in the film to suggest what María and Ingvar are thinking. During the first ten minutes, they don’t say a word. When shown reading or writing, the substance is neither seen nor heard. When they finally talk to each other, it is to exchange small talk. They say nothing substantive about their day-to-day lives or immediate concerns – for example, not a word between them about Ada’s unusual form, the practicalities involved, the significance to them of her presence. Something went off the rails in the household (hint: the cradle in the storage room) but, although this is at the forefront of the couple’s minds, even in their activities, the information is not released in the film until very late, and then only as a virtual post-it on the screen. (In a prime example of the director’s cautious and timid way with news, even the names of the protagonists are dropped late in the story.)

The physical labor is equally emblematically distributed. Do María and Ingvar sell the sheep? Butcher the sheep? It is never shown, nor even suggested. Their isolation – do they have friends, other relatives, visitors who might also be surprised at Ada’s unusual form? None that is seen, and the story seems to span around five years. Petur’s skepticism about the couple’s raising Ada is also dispatched in an empty phrase or two. The silences that follow the scanty and purely informative dialogue are breathtaking silences in which the characters are conspicuously emptied, as by directing decree. Even the footage in the film is stunning in retention, offering information in a serenely decorative form and cutting even the best elements – his rare close-ups of Ada and sheep – to merely indicative snippets.

In part, the frustration with the “lamb” is a function of the craftsmanship that obviously went into its making. The problem is, all the obvious thinking has been channeled in a tight way to make sure the story holds its landing. Far from considering the implications and possibilities opened up by its story, the meticulous organization of the film stifles them. Without any end – and without any conceptual or stylistic audacity behind its rarity – “Lamb” seems cut off not only from the inner life of its characters but from the inner life of its creators. Humanoid hybrid films have a moment: Julia Ducournau’s “Titanium” is also currently in theaters, and the director is following the implications of his fantasy premise to the extreme wild; what he lacks in the overt expression of the subjectivity of his characters, he furiously and beautifully makes up for with the teeming inner worlds and visionary imaginations of the director. “Lamb” reduces fantasy to an excuse and imagination to a product. To my surprise, he won the Originality Prize in the “Un Certain Regard” section of this year’s Cannes Film Festival. This, and its overall praise, offers a grim take on the state of the art house. If he’s to get any awards, give his twisty twenty minutes an Oscar for Best Live-Action Short Film and be done.


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]]> Pirates welcome Xavier on Saturday https://monbestof.com/pirates-welcome-xavier-on-saturday/ Fri, 08 Oct 2021 12:04:16 +0000 https://monbestof.com/pirates-welcome-xavier-on-saturday/

South Orange, New Jersey – The Seton Hall Pirates will host the Xavier Musketeers at Owen T. Carroll Field on Saturday night. Kick-off is set for 6:56 p.m. and will air on BEDN on FloSports.

Home matches are free and open to the public. If you enter a building on campus, per the university’s current mandate for indoor masks, all persons (vaccinated and unvaccinated) are required to wear a mask in all indoor, non-residential and academic institutions. on campus, except when alone or at a restaurant.

LAST TIME

The Pirates last fell at home to number one Georgetown Hoyas on Wednesday 4-2. In the 18th minute, the Hoyas broke through when Zach Rivière snatched a point-blank shot that the Pirates keeper Andreas Nota was able to stop initially, but Riviere was able to block the rebound and score the game’s opening tally. Just under four minutes later, the Hoyas scored again this time from Joe DaLuz’s foot with an assist for Sean Zawadzki. The Hoyas managed to score two more goals before halftime, one from Will Sands and the other from Daniel Wu to break the lead.

At the end of the second half, CJ Tibbling (Jarna, Sweden) took a pass from Andrea Borg (Sliema, Malta) in the Hoya area where Tibling fired a shot past Hoya’s goalie and into the back of the net to put the Pirates on the board. Less than two minutes later, Tibbling counted again. Borg sent a pass from the side near the area at the foot of Raz Amir (Israel) who crossed a ball that found Tibbling’s header to halve Hoya’s lead, where she would stay, 4-2.

SCOUTING – Xavier (7-4-0, 1-3-0)

  • The Mousquetaires have just claimed their first BIG EAST victory of the season with a 2-1 road victory at Marquette on Wednesday. Justus Kauppinen and Cameron Phillips scored for Xavier in the win.
  • Karsen Henderlong leads the team offensively with 12 points on five goals and an assist.
  • Matthew Rosenberg took every minute in front of the net for Xavier with 20 saves and an average of 0.82 in 11 games.
  • The Musketeers lead the all-time streak 6-1-0, winning each of the previous three encounters with the Pirates.

NEWS AND NOTES

  • CJ Tibbling scored twice for Seton Hall the last time against Georgetown. For Tibbling, it was his 16th and 17th as a pirate. The multi-goal game was Tibbling’s third of his career and the first since the 2018 season.
  • At the head of the GRAND EST and 30th in the country with 15 points at the head of the team, Johannes pex converted his second and third shots on goal of the season last time at Fordham, earning him a spot on the BIG EAST Weekly Honor Roll. The tally for Pex was only 62 seconds apart and was his second career multi-goal game with his first game in last season’s opener at NJIT. Pex also scored twice and collected an assist in wins over Delaware and NC State, earning the honor of BIG EAST Defensive Player of the Week (9/6). The junior was also named to College Soccer News’ National Team of the Week. Pex was also selected for the conference’s weekly honor roll after his three assists against NJIT (9/10).
  • 13 different Pirates have now found the back of the net this season with 30 assists from 24 goals in total. Hall had tally of 12 different players last season.
  • As of October 7, The Hall currently ranks 14th in the country and second in BIG EAST in total goals (24). The Pirates are also at the top of the conference and fifth in the country for total assists (30).
  • The Pirates were selected second in the BIG EAST conference preseason coaches poll as the defending BIG EAST champions received 93 points, including three votes for first place. Georgetown took first place in the poll, edging the Pirates by just five points while Creighton, the third team selected, had 74 points.
  • CJ Tibbling was selected as the conference preseason co-offensive player of the year and was unanimously selected for the All-BIG EAST preseason squad. Tibbling comes out of a 2020 All-America Second Team Selection as well as All-BIG EAST First Team Honors. On the offensive side, Tibbling led the Pirates with seven goals and 17 points this season in addition to three assists. With his seven goals, Tibbling placed second in the GREATER EAST and 20th nationally in goals scored.
  • Luca Dahn was honored as the BIG EAST Defensive Player of the Year and secured a spot on the All-BIG EAST preseason squad. Dahn received a 2020 All-America Second Team Selection as well as All-BIG EAST First Team Honors. In his first year in a Seton Hall uniform, Dahn recorded over 1,500 minutes for The Hall and was on the pitch for almost nine minutes throughout the campaign. Although he lines up as a center-back, Dahn has also scored twice for The Hall while registering 12 shots on goal, the team’s second best.

LOOK

New for 2021-2022, all PSN and BEDN events that are produced on campus will be distributed on FloSports, one of the world’s leading streaming services. Special Seton Hall rates are only available through this link for fans who wish to subscribe to watch Seton Hall events, at home and away, as well as all other events live on the FloSports platform. . Fans with a .edu school address can purchase a membership for $ 6.99 per month, and all other fans can purchase a membership for $ 12.50 per month. The price excluding Seton Hall on FloSports is normally $ 29.99 per month.
The link to watch all of Seton Hall’s men’s football matches can be found here.

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Sources, Telecom News, ET Telecom https://monbestof.com/sources-telecom-news-et-telecom/ Thu, 07 Oct 2021 11:21:00 +0000 https://monbestof.com/sources-telecom-news-et-telecom/ Par Foo Yun Chee, Toby Sterling et Stephen Nellis

AMSTERDAM : L’autorité néerlandaise de la concurrence a constaté que les règles d’Apple obligeant les développeurs de logiciels à utiliser son système de paiement intégré sont anticoncurrentielles et lui a ordonné d’apporter des modifications, ont déclaré quatre personnes proches du dossier, dans le dernier revers réglementaire pour le fabricant d’iPhone. .

Les politiques de paiement des magasins d’applications d’Apple, en particulier son exigence selon laquelle les développeurs d’applications utilisent exclusivement son système de paiement où les commissions varient entre 15 % et 30 %, suscitent depuis longtemps des plaintes de la part des développeurs.

L’enquête néerlandaise visant à déterminer si les pratiques d’Apple constituaient un abus de position dominante sur le marché a été lancée en 2019, mais sa portée a ensuite été réduite pour se concentrer principalement sur les applications du marché des rencontres.

Ils comprenaient une plainte de Match Group, propriétaire du populaire service de rencontres Tinder, qui a déclaré que les règles d’Apple l’empêchaient de communiquer directement avec ses clients au sujet des paiements.

L’Autorité néerlandaise des consommateurs et des marchés (ACM) a informé le mois dernier le géant américain de la technologie de sa décision, ce qui en fait le premier régulateur antitrust à conclure que la société a abusé de son pouvoir de marché dans l’App Store, bien qu’Apple soit confronté à des défis dans plusieurs des pays.

ACM n’a pas infligé d’amende à Apple, mais a exigé des modifications du système de paiement intégré à l’application, ont déclaré les gens. La décision n’a pas été vue par Reuters.

Un porte-parole de l’ACM a refusé de commenter, affirmant que l’affaire était actuellement en cours d’examen juridique. Le régulateur a précédemment déclaré qu’il prévoyait de publier sa décision cette année.

Apple n’était pas disponible dans l’immédiat pour commenter. La société affirme que les règles de sa boutique d’applications garantissent la sécurité et la confidentialité de ses utilisateurs.

Match a refusé de commenter. Un avocat représentant la société dans l’affaire néerlandaise a déclaré qu’il ne pouvait pas commenter.

Les gens ont déclaré qu’Apple avait demandé au tribunal de district de Rotterdam une injonction pour bloquer la publication de la décision lors de son appel.

Un porte-parole du tribunal a confirmé l’existence de l’affaire pour bloquer la publication, mais n’a pas pu dire quand une décision est attendue. Les débats ne sont pas ouverts à la presse ni au public.

La Commission européenne a lancé une enquête en 2020 parallèlement à l’enquête néerlandaise, mais s’est concentrée sur la question de savoir si les règles des magasins d’applications favorisent les applications Apple lorsqu’il existe des produits concurrents, tels que Apple Music par rapport à Spotify.

Un juge américain a ordonné le mois dernier à Apple de faciliter la promotion des systèmes de paiement alternatifs par les applications. Le demandeur Epic Games, le créateur de “Fortnite”, a fait appel, affirmant que la décision ne va pas assez loin.

La Corée du Sud a promulgué une loi interdisant aux opérateurs de magasins d’applications de forcer les développeurs à utiliser leurs systèmes de paiement officiels. Apple et Google doivent répondre ce mois-ci sur la manière dont ils se conformeront.

Au Japon, Apple a réglé une enquête antitrust en acceptant d’autoriser certaines applications de musique, de vidéo et de livres électroniques, notamment Netflix, à promouvoir des options d’achat en dehors de leurs applications.

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