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Thug's life didn't matter until a white cop shot him
Exclusive: Jesse Lee Peterson compares public response to 2 Chicago shootings
Jesse Lee Peterson is the most courageous, outspoken critic of the "civil rights" establishment in America today. Raised without his father on a plantation near Tuskegee, Alabama, during the Jim Crow era, Peterson has lived a part of America's history few have experienced. After a spiritual transformation, Peterson founded BOND, a nationally recognized nonprofit organization dedicated to "Rebuilding the Family by Rebuilding the Man." Peterson is also the founder of The BOND Leadership Academy, a private school in Los Angeles. He's a radio talk-show host, speaker and author of "The Antidote." In addition to writing a weekly column for WND, Peterson appears as a media commentator on Fox News Channel, CNN and other national TV and radio networks. For more information, visit
About 3,000 protesters shut down the “Magnificent Mile” in Chicago on Black Friday, the busiest shopping day of the year, and they have now been protesting five straight days over the police shooting of 17-year-old Laquan McDonald.

Last year, the Chicago Tribune reported 435 homicides in the city. This year, there will be even more. That’s a lot of dead, mostly young, black men. Yet few care. But when a white cop does the killing – close Macy’s!

The McDonald shooting does have some unique aspects, which may be related to the infamous political corruption in the windy city.

McDonald was killed in October 2014 (more than a year ago), yet the video of the shooting was just released this week, after Chicago police officer Jason Van Dyke was charged with first-degree murder to pacify the gathering mob. Police dash-cam video shows Officer Van Dyke shooting McDonald 16 times. McDonald was reportedly brandishing a knife but moving away from Van Dyke when he was shot.

Many of Chicago’s worst took part in Friday’s protest, including the Nation of Islam, RevCom (the Revolutionary Communist Party) and Jesse Jackson’s Rainbow PUSH coalition.

They don’t care about the thug, McDonald. But they do care about attacking cops –especially white ones. Contrast their reaction to the McDonald shooting to another case in the news:

Nine-year-old Tyshawn Lee was murdered on Nov. 2 by cold-blooded black gang members as retaliation against Tyshawn’s father. Two suspects are now in custody for the slaying, with one still at large. Young Tyshawn was reportedly lured into an alley and shot multiple times. Yet nobody tried to close down Michigan Avenue over it.

Compared to Tyshawn, Laquan McDonald was far from innocent.

According to the Chicago Tribune, on the night of McDonald’s death, officers followed him after he allegedly tried to break into vehicles in a trucking yard. The caller reporting the attempted break-ins told police that McDonald had a knife and had threatened him with it. McDonald also reportedly punctured the tire of a police van that was following him and struck the van’s windshield. An autopsy report later said small amounts of PCP were found in his system.

Order Rev. Jesse Lee Peterson‘s book, “The Antidote: Healing America from the Poison of Hate, Blame, and Victimhood.”

McDonald’s background and home life were no surprise:

The Huffington Post reported that, according to Illinois Department of Children and Family Services’ records, McDonald was taken from his mother at age three because the agency decided that she hadn’t provided her son with adequate supervision. He was placed in a foster home, and later moved into his great-grandmother’s, before being returned to his mother in 2002. But the state again took McDonald away, citing physical abuse from the mother’s then boyfriend. From around age six to 16, he lived with his great-grandmother and then stayed in the same house with an uncle after his great-grandmother died in 2014.

McDonald was arrested for possession of marijuana in January 2014, DCFS records indicate. Following his arrest, he was in juvenile detention until May 2014. The Chicago Tribune reported that McDonald had an “extensive juvenile record.”

McDonald family attorney Michael Robbins said McDonald grew up without his father involved in his life. There it is, the most important single fact in this tragedy, and that of so many other boys and girls in the black community.

The facts of the case will soon enough come to light. The officer will have his day in court, although with a first-degree murder charge facing him, it’s hard to imagine him getting a fair trial in Chicago.

The number of shots (16) Officer Van Dyke took will continue to be questioned.

The delay between the shooting, and the charging of Van Dyke and release of the police video will likely be probed. Did Chicago Democrat Mayor Rahm Emanuel influence this delay until after his re-election, much as his ex-boss Barack Obama lied about the true nature of the Benghazi terrorist attacks to help ensure his own re-election?

Did Rahm’s police department delete surveillance footage from a Burger King restaurant near the crime scene as its manager claimed?

These and other questions will continue to be asked. The important thing is that we don’t take our eyes off the ball. What is the ball? Almost every wayward young thug has in his background one glaring, missing piece – his father. I write about this extensively in my brand new book, “The Antidote: Healing America from the Poison of Hate, Blame and Victimhood.”

The end result of all the drama will likely be the same as in all the previous hyped race incidents: Many blacks will have put far more energy into destroying their own city than in raising their children properly and working a job. Jesse Jackson, Louis Farrakhan and a few others will get some publicity, power and money. Many blacks will feel more justified in their hatred of whites. And whites will shake their heads and go buy more guns.

The alternative is for complaining black folks to realize they’re their own worst enemies, and for whites – especially those who call themselves Christians – to have enough courage to tell the truth to blacks, thereby providing a hand up to those who seek a better life.
Home · Leadership · Mentoring · Counseling · Events · Blog · About · Contact · Home · Leadership · Mentoring · Counseling · Events · Blog · About · Contact. BOND Founder Jesse Lee Peterson's New Book. the ANTIDOTE. Now available for purchase at: AMAZON. or. Order your copy today!
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A LESSON: DO NOT TEASE THE DEVIL AND THREAT PEOPLE. Concealed gun permit holder fatally shoots suspected robber during Chicago stick-up.On Saturday evening, a man wearing a mask walked into a South Side Chicago bodega, pulled out a gun and announced a robbery.As the alleged robber pointed his gun at the store’s employees, however, a customer pulled out his own gun.
The robber’s gun, it turns out, was fake.
The customer’s was not.
Now the robbery suspect is dead, gunned down by the concealed-weapon-toting customer.
The case is the latest in a string of incidents across the country in which bystanders have pulled out their concealed weapons and used them against suspected criminals. Some cases have drawn heavy scrutiny, such as an Oct. 6 incident at a Home Depot near Detroit when a woman with a concealed weapons permit fired at fleeing shoplifters. She was charged with recklessly using her handgun.
[‘Worst nightmare': Woman with concealed gun permit shoots at fleeing shoplifter outside Home Depot]
In Saturday’s shooting, however, police have said the customer had a valid concealed carry license and that charges against him “do not appear likely,” according to the Chicago Tribune.
Nonetheless, the Chicago shooting is also raising questions, primarily from the family of the robbery suspect, Reginald Gildersleeve.
“Something doesn’t seem right,” said Igbinosa Oronsaye, whose mother married Gildersleeve three years ago. “He didn’t deserve to get shot multiple times.”
The incident is all the more mysterious because it occurred on Halloween and involved a man in a mask with a fake gun. Various law enforcement sources told the Tribune that the gun was either a toy or a paintball gun.
Oronsaye told ABC7 that Gildersleeve was a former employee of the store and knew the owner well.
Was the shooting a Halloween prank gone horribly wrong?
Cops don’t think so. They believe Gildersleeve actually was trying to rob the store when the customer, feeling threatened by a masked man waving what appeared to be a real gun, opened fire.
Posted by Reginald Gildersleeve on Saturday, November 29, 2014
That explanation is bolstered by Gildersleeve’s “lengthy” arrest history, including at least one robbery, a Chicago police spokesman told the Tribune.
Either way, the shooting marked a strange end to a seemingly contradictory life.
Gildersleeve, 55, was a tall and powerfully built man with a strong jaw and a beaming smile. His Facebook page shows him in a suit and tie proudly posing with his wife in one arm and a Bible in the other. He often posted photos of his family, including a grandson.
Court records, however, reveal another side of Gildersleeve. They show he had been arrested at least half a dozen times dating back to the 1980s. Several arrests had to do with narcotics, but most of the incidents involved theft or robbery. He was in and out of prison, with burglary convictions as recent as 2005.
From his Facebook page, it appears as if Gildersleeve tried to turn his life around. He got married, posted inspirational photos and quotes, and once wrote a lengthy tribute to God and the redemptive power of grace.
“Love is that force that uplifts and inspires mankind,” he wrote a year ago, adding “It can lift a wretched human being from the miry clay of despair and set feet upon the solid rock respectability and service.”
Ultimately, however, it seems Gildersleeve’s old life overtook his new one. And on Saturday night, as candy-hungry children donned costumes and took to Chicago’s streets, Gildersleeve donned a mask of his own — but for very different reasons.
At around 7 p.m., Gildersleeve edged his broad frame through the door of a Mexican bodega in Gage Park, a neighborhood in southwest Chicago. He then pulled out a realistic-looking handgun and pointed it at the store’s employees, demanding money, police told the Tribune and the Associated Press.
As Gildersleeve allegedly tried to rob the bodega, a customer inside the store pulled out his concealed weapon and shot the would-be robber several times, including at least once in the chest, police told the Tribune. Gildersleeve was pronounced dead at 7:10 p.m., the newspaper reported, citing the medical examiner’s office.
Posted by Reginald Gildersleeve on Wednesday, November 2, 2011
Unlike the Oct. 6 shooting at the Home Depot near Detroit, however, authorities appear to believe the bystander was justified in his use of force.
Police have referred the case to the Cook County state’s attorney’s office to “determine if there’s any reason to charge” the 44-year-old male shooter, a police spokesman told the Tribune. But charges were not filed Sunday and “do not appear likely,” Chicago Police said in a statement.
America’s long-simmering debate over gun control and concealed weapons boiled over last month after an Oct. 1 mass shooting at a community college in Oregon. After the incident, in which a lone gunman killed nine other people and then himself, many gun rights advocates and several GOP presidential candidates argued that the massacre could have been prevented had the victims been armed.
Saturday’s shooting appears to have stoked that fiery debate once more.
Oronsaye suggested Gildersleeve could have been apprehended without being killed, and appeared to call for charges against the shooter with the concealed weapon.
“Some people don’t actually know how to use guns,” he told the Tribune. “They go to firing ranges, but it’s not the same as a bullet going into someone’s body, it’s not the same as a bullet going into flesh. They should be able to wound first, kill next. He didn’t deserve to get shot multiple times.
“You just took a brother, you just took a father from a lot of people. Somebody’s got to answer for that.”
Some online commenters agreed.
“The shooter should be arrested and tried for murder,” one wrote. “A conceal carry doesn’t give you the right to act all Wyatt Earp. He wasn’t in danger.”
Many others, however, sprang to the defense of the shooter.
“You can’t know that a gun is real or not when someone points one at you,” one wrote.
“He deserved to die,” added another, “and sorry but when you are saving lives and protecting yourself you shoot to kill.”

Comments 56
By Michael E. Miller November 2 at 4:18 AM
Posted by Reginald Gildersleeve on Wednesday, November 2, 2011
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The ‘Donald Trump of Guatemala’ was just elected president
Guatemalan comedian wins presidency in landslide victory
Former television comedian Jimmy Morales won 67.4 percent of the vote in a runoff with former first lady Sandra Torres on Sunday.
A pop culture icon just beat a former first lady to become president.
This is not a flash-forward to November 2016. It's what happened in Guatemala's presidential election over the weekend.
Jimmy Morales is a 46-year-old former comedian and, as of Sunday evening, Guatemala's president-elect. He has never held political office, and yet he got 67.4 percent of the vote in a runoff with former first lady Sandra Torres, whose ex-husband, Alvaro Colom, was president of the country from 2008 to 2012. Torres, a card-carrying member of Guatemala's political establishment, got just 32.6 percent of the vote.
Guatemalans lifted Morales to the land's highest office despite — or perhaps because of — his political inexperience and unorthodox ideas, including a proposal to make teachers wear GPS devices to ensure they do their job and an idea to give each child a smartphone, the BBC reported.
What's more, just like a certain someone, Morales has said and done some things as a professional entertainer that might otherwise disqualify him for political office. He once painted his face black to play a character, "Black Pitaya," and the BBC reports his campaign manifesto is only six pages long.
[Jimmy Morales used to do blackface comedy. He’s now poised to be Guatemala’s president.]
But despite not knowing where he stands on many of the issues, Guatemalans cheered on Morales as he ran against the backdrop of a major corruption scandal in the Guatemalan government; the president and vice president both recently resigned and are under investigation related to a customs fraud ring.
After all that, Guatemalans appear fed up of the political class, the Los Angeles Times reported, so much so that they were willing to gamble on the exact opposite of a politician to lead their country. Morales's campaign slogan was "ni corrupto, ni ladron" — not corrupt, not a crook.
It all sounds very familiar to anyone following the 2016 U.S. presidential race. And indeed, Morales has even been called "the Donald Trump of Guatemala."
Guatemala and the United States are two very different countries, of course. One is suffering from violence, poverty and corruption and is still recovering from a 36-year civil war; the other is relatively stable and peaceful. In other words, it's very hard to say that just because it happened in one place that it could happen in another.
But the parallels are pretty striking. And we're guessing Mr. Trump might even see fit to mention what happened in Central America this weekend. He loves citing "the polls," after all.
Amber Phillips writes about politics for The Fix. She was previously the one-woman D.C. bureau for the Las Vegas Sun and has reported from Boston and Taiwan.
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Wall St Execs Should Have Gone to Jail for Crisis
"It would have been my preference to have more investigations of individual actions because obviously everything that went wrong or was illegal was done by some individual, not by an abstract firm,"-
Bernanke: Wall St Execs Should Have Gone to Jail for Crisis
WASHINGTON — Former Federal Reserve Chairman Ben Bernanke says some Wall Street executives should have gone to jail for their roles in the financial crisis that gripped the country in 2008 and triggered the Great Recession.
Billions of dollars in fines have been levied against major banks and brokerage firms in the wake of the economic meltdown that was in large part triggered by reckless lending and shady securities dealings that blew up a housing bubble.
But in an interview with USA Today published Sunday, Bernanke said he thinks that in addition to the corporations, individuals should have been held more accountable.
"It would have been my preference to have more investigations of individual actions because obviously everything that went wrong or was illegal was done by some individual, not by an abstract firm," Bernanke said.
Asked if someone should have gone to jail, the former Fed chairman replied, "Yeah, I think so." He did not, however, name any individual he thought should have been prosecuted and noted that the Federal Reserve is not a law-enforcement agency.
Bernanke is promoting his new 600-page memoir, "The Courage to Act: A Memoir of a Crisis and Its Aftermath," which is scheduled to be published Monday.
He began the book after leaving the Fed in 2014. The memoir details his take on the crisis in which the government took over mortgage giants Fannie Mae and Freddie Mac and provided hundreds of billions in aid to the biggest U.S. financial institutions.
The Associated Press obtained an early copy of the book last week. He writes that the taxpayer-provided bailouts of banks and Wall Street firms were hugely unpopular, but says they were necessary to avoid an economic catastrophe.
"I certainly was not eager to bail out Wall Street and I had no reason to want to bailout Wall Street itself," he told USA Today. "But we did it because we knew that if the financial system collapsed, the economy would immediately follow."

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"The richness of diversity" and liberal social engineering has created an ungovernable nation where people have nothing in common any more...
Anger at the political establishment has overtaken the Republican presidential race, embodied in the candidacy of Donald J. Trump. But it is also coursing through the Democratic electorate, fueling the popularity of Bernie Sanders, inspiring liberal challenges to party-backed congressional candidates and spurring activism on causes from the minimum wage to the Keystone XL oil pipeline.
Nowhere was the discontent on the left — which has made targets out of banks, billionaires and backers of the status quo — more evident than in the stunning news last week that Mr. Sanders, who calls himself a democratic socialist, was raising money nearly as fast as Hillary Rodham Clinton.
Interviews with three dozen Democrats in key early states — a mix of undecided voters and Sanders and Clinton supporters — laid bare a sense of hopelessness that their leaders had answers to problems like income inequality and gun violence. It is frustration that Mr. Sanders, a senator from Vermont, and other progressive candidates are channeling and that Mrs. Clinton has addressed with increasing passion, as when she responded to Thursday’s massacre at an Oregon college by saying she was “just sick of this.”
Senator Bernie Sanders of Vermont speaking at the University of Chicago on Monday. Credit Scott Olson/Getty Images
While alienation among Republicans has drawn more attention, given the fiery language of the race’s front-running celebrity, Mr. Trump, the anti-establishment mood on the left is just as intense and potentially just as consequential to the selection of a Democratic nominee.
Mrs. Clinton has tried to lift her declining poll numbers by highlighting endorsements from governors and lawmakers — but such establishment backing has yet to do much good. Vice President Joseph R. Biden Jr. could face the same anti-establishment headwinds if he enters the race, given his four decades in Washington, although allies believe he has the personal touch to win over angry Democrats. Mr. Sanders castigates “the entire political and economic establishment” regularly, by contrast, a message that has drawn 650,000 donors and huge crowds of fervent supporters, like the 20,000 people at his Boston rally on Saturday evening.
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“I volunteered for Hillary when she ran for president in 2008, but her time is past, I think,” said Nikky Raney, 25, a Democrat from Dover, N.H. “And it’s Bernie who seems most genuine about universal health care and getting big money out of politics.”
Though Mrs. Clinton remains popular in the party, especially among those who want to see a first female president, Mr. Sanders’s call for a “political revolution” and his consistently left-wing policy ideas are inspiring to younger voters, seniors and liberals who would prefer to see a true believer overcome an establishment goliath.
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Who’s Winning the Presidential Campaign?
History suggests that each party’s eventual nominee will emerge from 2015 in one of the top two or three positions, as measured by endorsements, fund-raising and polling.
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“Income inequality has been growing for so many years that a lot of young people feel their Democratic leaders aren’t fighting hard enough on the issue,” said Brandon Lemay, the president of the Plymouth State University Democrats, after attending a speech by Mrs. Clinton near the campus in central New Hampshire.
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Mr. Lemay said he was undecided between her and Mr. Sanders. “Hillary has definitely been refining her message to sound more liberal,” he said, “but Bernie’s convictions are just very strong, very intense.”
Impatience with politics-as-usual has also led liberals to enter Democratic Senate primaries and mount more aggressive and well-financed challenges than in years past to candidates backed by the national party establishment.
In Florida, Representative Alan Grayson, a self-styled “progressive champion,” is portraying Representative Patrick Murphy, the Democratic Party’s preferred candidate for the seat being vacated by Senator Marco Rubio, as a “lightweight, empty-suit errand boy for Wall Street.” A former president of the Chicago Urban League, Andrea Zopp, is running in Illinois against the party-backed Representative Tammy Duckworth. And former Representative Joe Sestak is running as a liberal anti-establishment candidate in Pennsylvania.
In Davie, Fla., Leda Krey, a volunteer for Hillary Rodham Clinton's campaign, prepared stickers for her visit to Broward College on Friday. Credit Joe Raedle/Getty Images
“Democrats are experiencing a taste of what Republicans experienced in 2010, when so-called Tea Party candidates ran against establishment favorites,” said Jennifer Duffy, who tracks Senate races for the Cook Political Report. “More progressive or anti-establishment candidates are jumping into Senate primaries, often at the urging of more progressive voters who are tired of the status quo and want candidates who will run on issues like income equity.”
The contested primaries extend to House races. In New Jersey, a 24-year-old Sanders supporter, Alex Law, is challenging Representative Donald Norcross, portraying him as a machine politician.
“Democrats have enjoyed watching Republicans fight among themselves for the last five years, but there are anti-establishment and ideological divisions in the Democratic Party that will grow larger in the years to come,” said Nathan L. Gonzales, editor of The Rothenberg & Gonzales Political Report.
The disaffection among Democrats flows mainly from three sources, according to interviews with voters and strategists. Disappointment lingers with President Obama over the failure to break up big banks after the Great Recession and fight for single-payer health insurance, among other liberal causes. Fatigue with Mrs. Clinton’s controversies endures, as does distaste with her connections to the rich. And anger abounds at party leaders for not pursuing an ideologically pure, economically populist agenda.
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“Establishment Democrats like Hillary could end up heavily outspending people like Sanders, but it may not matter as much as usual because voters are searching for someone off the beaten path,” said Paul Maslin, who was the pollster for Howard Dean’s 2004 presidential race.
Tom Henderson, the Democratic chairman in Polk County, Iowa, which includes Des Moines, said the most widely shared frustration among Democrats there was “the manner in which the economy has bounced back” under Mr. Obama: Wall Street returns look strong and unemployment has declined, but wages and benefits are largely unchanged.
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“I think Sanders is pulling in voters who aren’t typical rank-and-file Democrats, but rather folks who have become energized over the last few years to change the country’s direction,” said Mr. Henderson, who is currently neutral in the race. “The question for Sanders is whether he can get those people to show up and vote in February.”
Across the country, discontent on the left is bubbling up in scattered ways.
Mrs. Clinton campaigning in Florida on Friday. Her campaign said seven national unions had endorsed her so far. Credit Joe Raedle/Getty Images
Liberal activists in Iowa and elsewhere have pushed local Democratic officials to enact minimum-wage ordinances in the face of inaction from state and federal government officials in both parties. Environmentalists put enormous pressure on Mrs. Clinton to come out against the Keystone pipeline project, which she did last month. Many progressives in New York City complain that the Democratic mayor, Bill de Blasio, appears to have lost his appetite for a criminal justice overhaul.
And last week, about 80 Democrats in New Hampshire banded together to demand that the Democratic National Committee allow candidates to participate in more debates than the six that the party has sanctioned. Many activists see the limit as rigging the debates in favor of Mrs. Clinton, whose advisers wanted as few as possible.
“There’s a level of anger among Democrats that the establishment has decided not to address, whether it’s about debates or other issues,” said Peter Burling, a former New Hampshire state senator who is supporting former Gov. Martin O’Malley of Maryland in the presidential primary.
If Mr. Sanders proves too liberal to capture the nomination, allies of Mr. Biden believe the vice president is positioned to seize on anger at the establishment if he enters the race — even though his long tenure epitomizes it. These supporters say the freely emotional Mr. Biden is more capable of soothing Democratic anxieties than Mr. Sanders, a flinty Vermonter, or Mrs. Clinton, whose attempts to appear more likable and funny can come across as overly calculated.
Still, Mr. Biden has not decided on a run, and “Draft Biden” efforts have not yet caught on anywhere near the way Mr. Sanders has.
“There’s just so much hopelessness about people having any real opportunity to just make a living, take care of their families, support themselves,” said Karen Bryant, a physician from New Boston, N.H. “Mrs. Clinton is floundering and Republicans like Jeb Bush are floundering because people see them as politicians whose messages change depending on who they are talking to or how much money they need to raise. If you live year after year not seeing politicians keep their promises, it leads you to support someone like Bernie Sanders.”
Find out what you need to know about the 2016 presidential race today, and get politics news updates via Facebook, Twitter and the First Draft newsletter.
A version of this article appears in print on October 4, 2015, on page A22 of the New York edition with the headline: Insurgent Candidacies, Shaking Up G.O.P., Are Also Dogging Democrats.
An anti-establishment mood in the Democratic Party is not only fueling the presidential campaign of Bernie Sanders, but also pushing liberals to mount more aggressive challenges to party-backed congressional candidates.
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Beware of new smart chip credit card scams
October 1st was the deadline for retailers and credit card issuing companies to switch over to using the new EMV credit cards which contain a computer chip that creates and encrypts a new number every time the card is used, which will dramatically reduce the amount of credit card fraud.
Under the newly implemented regulations, if a business does not switch its credit card processing machines over to the new EMV cards or if a credit card issuer does not provide new EMV chip cards to its customers, in the event of credit card fraud, the responsibility for loss will be on either the credit card issuer or the retailer, whichever has not complied with the new law.
For us, the customers, our liability does not change from the legally mandated limit of $50, which is generally not even assessed against consumer victims of credit card fraud.
Ready or not, it's credit card chip and dip time: What you need to know
Changing over to the new EMV credit cards by credit card issuers as well as installing and activating the new credit card processing equipment at stores is a daunting task. More than a billion credit cards will have to be reissued. Some stores have been more proactive and responsible than others. Target, WalMart, Walgreens and Costco have changed to the new card processing equipment, but many companies are lagging behind in updating their card processing equipment.
Meanwhile, according to a survey of only about 40% of Americans have received new EMV chip cards from their credit card companies. According to Stephanie Ericksen of Visa, by mid September, Visa had reissued 151.8 million EMV chip cards and while that may seem like a huge amount, that number only represents 20% of the total credit cards that need to be reissued.
And there is found the opportunity for scammers.
Ingenious scam artists, the only criminals we refer to as artists, are taking advantage of the situation by contacting people by email posing as their credit card company informing them that in order to issue a new EMV chip card, they need them to either update their account by confirming some personal information or click on a link to continue the process. This is a case of you are in trouble with either option.
If you provide personal information in response to the email, you have just turned over this information to a scammer who will use it to make you a victim of identity theft. Alternatively, if you click on the link, you may end up downloading keystroke logging malware that will steal the personal information from your computer including your Social Security number, passwords and sensitive financial information that will be used to make you a victim of identity theft.
With new chip credit cards on way here's what consumers need to know
So how can you tell if the email purporting to be from your credit card company is legitimate?
For starters, the fact that the email may carry the logo of your credit card company is absolutely no indication of legitimacy. It is a simple matter to make a counterfeit logo. The first thing you should do is check the address of the email sender. If it appears to come from someone or some company wholly unrelated to your credit card issuer, it is a scam.
Many scammers use hijacked email accounts to send out their emails accounts. These hijacked email accounts are often part of a network of remotely controlled computers referred to as a botnet, which is used by the scammers because it is difficult to trace the scam emails back to the scammer. People whose computers have been hijacked and made a part of a botnet are not even aware that their computer's security has been compromised. You personally may be a part of a botnet without even knowing it.
Merely because the email appears genuine and is written in grammatically correct English with proper spelling does not mean that the email is legitimate. Emails from scammers posing as your credit card company often start with a generic salutation such as "Dear Cardholder" rather than specifically being addressed to you by name. In addition, emails from your actual credit card issuer will usually reference in the email the last four digits of your credit card number. Most importantly, there is no reason that your legitimate credit card issuer would need to contact you by email to confirm personal information before providing you with a new EMV credit card.
Many retailers haven't met deadline for chip-card readers
Even paranoids have enemies so if you do get an email purporting to be from your credit card company either asking you to provide personal information or click on a link for whatever purpose, the safest thing to do is to look on the back of your credit card for your credit card issuer's 800 number which you can call to confirm whether or not the email was legitimate.
Finally, it is important to note that the EMV cards will not stop credit card fraud involved in online purchases where the chip is not used and some sophisticated scammers have already developed tactics to manipulate the EMV cards to their benefit when used in brick and mortar stores, but that is a story for another time. For now, however, we should be happy because the changeover to the new EMV cards will dramatically reduce credit card fraud and that is good news.
Steve Weisman is a lawyer, a professor at Bentley University and one of the country's leading experts in scams and identity theft. He writes the blog, where he provides daily update information about the latest scams. His new book is Identity Theft Alert.
More and more people are receiving new credit cards with microchips in them. Here's everything you need to know. Video provided by Newsy Newslook
Steve Weisman, for USA TODAY 9:02 a.m. EDT October 3, 2015
(Photo: Matt Rourke, AP)
Scammers are taking advantage by contacting people by email posing as their credit card company informing them that in order to issue a new EMV chip card, they need them to either update their account.
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Obama Says He Expects ‘Truth’ in Intelligence Reports.
"I don’t want intelligence shaded by politics," President Obama said in Kuala Lumpur, Malaysia, on Sunday as he concluded a 10-day overseas trip. President Obama said on Sunday that he had ordered his senior defense officials to find out whether intelligence reports had been altered to reflect a more optimistic assessment of the American military campaign against the Islamic State.

Speaking at a news conference before leaving Malaysia to return home at the end of a 10-day overseas trip, Mr. Obama said he expected the Pentagon’s inspector general to investigate allegations that significant changes were made to reports from analysts at the United States Central Command, known as Centcom.

“I don’t know what we’ll discover with respect to what was going on in Centcom,” Mr. Obama said. “What I do know is my expectation — which is the highest fidelity to facts, data, the truth.”

Mr. Obama was responding to a report in The New York Times on Sunday that described the internal Pentagon investigation. Some analysts in the Defense Department say their supervisors revised their conclusions about some of the military’s failures before making the reports final.

In recent weeks, the Pentagon has expanded its investigation into the allegations and has seized a large trove of emails and documents as it examines the claims. The president said altering reports to make them more optimistic would be contrary to his wishes.

“One of the things I insisted on the day I walked into the Oval Office was that I don’t want intelligence shaded by politics. I don’t want it shaded by a desire to tell a feel-good story,” he said.

He added: “I have made it repeatedly clear to all my top national security advisers that I never want them to hold back, even if the intelligence, or their opinions about the intelligence, their analysis or interpretations of the data, contradict current policy.”

The investigators, as detailed in the Times report, are examining years of intelligence reports by Centcom and comparing them with reports about the same events produced by the Central Intelligence Agency, the Defense Intelligence Agency and others.

Some assessments of the administration’s campaign against the Islamic State in Iraq, for example, have focused on the deep political and religious divides in that country that would be difficult to bridge. Meanwhile, the official picture from Centcom was generally more upbeat, The Times reported.

Mr. Obama was careful to say he did not know “the details about this.” He said there were many times when legitimate disputes existed among different agencies about an intelligence conclusion.

He said such disagreements had to be shared with him in a transparent way.

But he also said he had not felt that the reports he had received about the campaign to fight the Islamic State had been overly optimistic.

“It’s not as if I’ve been receiving wonderfully rosy, glowing portraits of what’s been going on in Iraq and Syria over the last year and a half,” he said, adding: “At my level, at least, we’ve had a pretty clear-eyed, sober assessment of where we’ve made real progress and where we have not.”

The president was responding to a New York Times report on a Pentagon investigation into whether intelligence reports overstated military progress against the Islamic State.
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Geriatric Democrats should fear Marco Rubio and the Republican youth wing.American Way: Florida Senator's debate triumph comes as Paul Ryan is elected Speaker, heralding a generational shift that conservaties must seize
Just when you thought the Republican Party was destined to take a turn toward the ugly, two boyishly handsome young stars have emerged. On Wednesday night, Marco Rubio, the 44-year-old senator from Florida, was (by almost all accounts) the winner of the third Republican primary debate. And on Thursday, Paul Ryan, 45, was elected Speaker of the House of Representatives. And just like that, everything changed: “The party of Boehner and Bush is now the party of Ryan & Rubio,” declared conservative opinion leader Bill Kristol on Twitter.
With Mr Rubio surging, there is hope that Republicans can avoid the fate of either a Donald Trump nomination (which would set the party in the wrong direction for the future) or of a Jeb Bush nomination (which would make it impossible for Republicans to run as change agents running against a “dynasty”).
During Wednesday’s debate, Mr Bush attacked Mr Rubio, his former Florida protégé, for missing votes in the senate - but the mentee would have none of it - unleashing a devastating counterattack, slapping Mr Bush down and dealing a harsh blow to his flailing campaign. Whereas Mr Bush acts as if campaigning is beneath him, and he is put upon, his rival seems to enjoy the battle. But the most important reason conservatives should be rooting for Mr Rubio to replace Mr Bush as the candidate who is acceptable to the establishment wing of the party is that he offers generational change.
Presidential candidates Ohio Governor John Kasich (L-R), Mike Huckabee, Jeb Bush, Sen. Marco Rubio (R-FL), Donald Trump, Ben Carson, Carly Fiorina, Ted Cruz (R-TX) take part in the CNBC Republican Presidential Debate at University of Colorados Coors Events Center in Boulder, Colorado  Photo: Getty Images
You might remember the stark contrast that occurred this past April, when Mr Rubio’s presidential announcement came the day after Hillary Clinton’s. "Just yesterday, we heard from a leader from yesterday who wants to take us back to yesterday, but I feel that this country has always been about tomorrow,” Mr Rubio declared.
Mr Rubio, the son of Cuban immigrants who speaks fluent Spanish, and Mr Ryan, whose father died when he was sixteen and received Social Security survivors’ benefits until he was eighteen, share more than just a compelling story and a youthful appearance. Both are eloquent communicators who stress a more compassionate brand of conservatism and prefer solutions-oriented politics to harsh rhetoric.
Republican U.S. Presidential candidate Jeb Bush listens (L) as U.S. Senator Marco Rubio (R) speaks at the 2016 U.S. Republican Presidential candidates debate held by CNBC in Colorado  Photo: Reuters
Mr Ryan will be “a different kind of speaker [who is] devoted to public policy,” Cesar Conda, a former Rubio chief of staff who has been a friend to Mr Ryan for 25 years, told me this week. Both men could use their leadership perches, not just to corral votes, but also to sell a conservative philosophy to a more diverse 21st century audience. Both seem intent on presenting a form of conservatism that is an alternative, not merely an opposition. Although both face challenges from the Right (for various reasons, including past support for immigration reform), Mr Rubio is able to straddle the tea party/establishment divide, and Mr Ryan – whose ascension was made possible because conservatives toppled ex-Speaker John Boehner - has become not only the younger Speaker of the House since 1869, but the most conservative speaker in modern history.
Newly elected Speaker of the U.S. House of Representatives Paul Ryan is sworn in to succeed outgoing Speaker John Boehner on Capitol Hill in Washington  Photo: Reuters
To be sure, both men will be attacked for their youth and energy. Liberals will argue that even though these men are young, they are selling “policies that take us back to the past". But it’s hard to look at this strong and diverse Republican bench, and not juxtapose it to the Democrats, whose party – now that Barack Obama is a lame duck – seems to be represented by a bunch of old white people, such as Hillary Clinton, 68, Bernie Sanders, the 74-year-old democratic socialist candidate, Vice President Joe Biden, 72, Nancy Pelosi, 75, and Harry Reid, 75.
Crowd-sourcing! Need a good phrase to capture the 65+ age of the entire Democratic leadership. The Medicare Democrats? You can do better...
— Bill Kristol (@BillKristol) October 30, 2015
It’s hard enough for any political party to win three consecutive elections (which is what Democrats will have to do), but add on top of that the notion that a political party and a nation should decide to go -- as popular conservative radio host Hugh Hewitt told CNN -- “backwards to the future, not forward to the future with a young, dynamic Republican.” To be sure, Mrs Clinton will attempt to generate excitement by virtue of possibly being the first female president. But Mr Rubio, a young Hispanic, at least offers Republicans the chance to make some of their own history.
File photo: Hillary Clinton  Photo: Alamy
Mrs Clinton, of course, will attempt to play the experience card, but the track record of age and experience defeating youthful energy is not stellar. Just as President George HW Bush and Bob Dole (who lost to Bill Clinton) and John McCain (who lost to a young first-term Senator named Barack Obama). There will be attempts to cast these young men as Dan Quayle or Sarah Palin, but the key difference, of course, is that, when it came to their ability to play on a national stage, then-Senator Quayle and then-Governor Palin were selected, not elected. Marco Rubio, should he be the Republican nominee, will have the benefit of having spent years in the national spotlight, and having endured numerous primary debates. Likewise, despite his youthful appearance, Speaker Ryan, a former Jack Kemp protégé, has been in the national spotlight for years, and served as Mitt Romney’s running mate in 2012.
For Democrats, who were hoping they would get to deal with old pols like John Boehner and Jeb Bush (or loose cannons like Donald Trump) the world just got a little bit scarier – just in time for Halloween.
Matt K Lewis is a senior contributor at The Daily Caller website in Washington, DC and is author of the forthcoming book Too Dumb to Fail: How the GOP Betrayed the Reagan Revolution to Win Elections (and How It Can Reclaim Its Conservative Roots).

Republican presidential candidate Marco Rubio speaks to voters at the Northwest Iowa Republican rally at Northwestern College in Orange City, Iowa  Photo: Reuters
By Matt K Lewis
American Way: Florida Senator's debate triumph comes as Paul Ryan is elected Speaker, heralding a generational shift that conservaties must seize
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In more than two dozen interviews, staff members, friends, contractors and operatives who worked on Fiorina’s 2010 campaign singled out one big problem: how the team managed its cash.
Many said Fiorina spent too much on television ads with narrow appeal, while others said she was an anemic fundraiser who did not keep close enough tabs on her coffers. There also were concerns that some events were too lavish.
Carly Fiorina’s first political campaign had a surprising problem: Money
Famed California pollster Joe Shumate was found dead in his home one month before Election Day 2010, surrounded by sheets of polling data he labored over for the flailing Senate bid of Carly Fiorina.
Upon his death, Fiorina praised Shumate as “the heart and soul” of her team. She issued a news release praising him as a person who believed in “investing in those he worked with” and offering her “sincerest condolences” to his widow.
But records show there was something Fiorina did not offer his widow: Shumate’s last paycheck, for at least $30,000. It was one of more than 30 invoices, totaling about $500,000, that the multimillionaire didn’t settle — even as Fiorina reimbursed herself nearly $1.3 million she loaned the campaign. She finally cleared most of the balance in January, a few months before announcing her run for president.
“Occasionally, I’d call and tell her she should pay them,” said Martin Wilson, Fiorina’s former campaign manager, who found Shumate after the pollster collapsed from a heart attack. “She just wouldn’t.”
Fiorina has emerged in recent weeks as a top-tier candidate for the Republican presidential nomination, impressing voters with a pair of crisp debate performances and a promise to put her bottom-line inclination as a Fortune 50 chief executive to fix a broken Washington.
But that fiscal sensibility was largely absent from Fiorina’s other run for office — a quixotic and unsuccessful attempt to unseat longtime Sen. Barbara Boxer (D-Calif.).
[What a difference a debate makes: Carly Fiorina surges]
In more than two dozen interviews, staff members, friends, contractors and operatives who worked on Fiorina’s 2010 campaign singled out one big problem: how the team managed its cash.
Many said Fiorina spent too much on television ads with narrow appeal, while others said she was an anemic fundraiser who did not keep close enough tabs on her coffers. There also were concerns that some events were too lavish.
At the 2010 state Republican convention, Fiorina spoke on a stage in the round, surrounded by bright lights and big screens, before debuting an elaborately produced eight-minute video of Boxer being transfigured into a talking blimp. The whole thing was far more TED talk than stump speech.
“It had to be in the six figures for that speech alone,” said one longtime California Republican official, who was not authorized to talk to the media and spoke anonymously. “Even Reagan did not have so many bells and whistles.”
Those who waited the longest to be paid were small businesses with a few dozen employees who did the grunt work of the campaign: building stages, sending out mailers, selling polling data. And at least one is still waiting.
Jon Seaton, the managing partner of East Meridian Strategies, confirmed that his group billed Fiorina’s campaign for $18,000 on Oct. 6, 2010, for printing 21,290 mailers.
A Fiorina staff member wired money for the postage immediately and promised the remaining $9,000 “early next week,” according to e-mails obtained by The Washington Post.
Six weeks went by and nothing came. So Seaton asked again. Then again. As of last week, he said he was still waiting.
Jan van Lohuizen, whose small firm did surveys for Fiorina, said he wasn’t paid the $7,500 he was owed until this year. Van Lohuizen said he assumed Fiorina was running for Senate again because her campaign reached out to settle up days after Boxer announced she was retiring.
“Turns out my instinct was right, but I got [the] office wrong,” van Lohuizen said.
Fiorina, through a spokeswoman, declined to comment. Her supporters say the criticism was misplaced.
“People are just upset and angry and throwing her under the bus,” said Jon Cross, Fiorina’s operations director for her Senate campaign. “If we didn’t win, why do you deserve to get paid? If you don’t succeed in business, you shouldn’t be the first one to step up and complain about getting paid.”
Her supporters cautioned that little could be gleaned from her California campaign. They maintain that Fiorina’s corporate experience is more akin to managing a presidential campaign than a bid for office in one of the nation’s most liberal states.
“We know many people didn’t win their first election, so I think you should never overstate that fact,” said Sue Ellspermann, Indiana’s lieutenant governor and a Fiorina supporter. “And I wonder if that fact would be a perceived disqualifier if she was not female. Ben Carson and Donald Trump have never run for anything.”
‘She had the resources’
Fiorina first waded into politics as a surrogate for Republican Sen. John McCain’s 2008 presidential campaign, and she drew immediate respect for her innate political instincts. She was a warm spirit when shaking hands with voters and a sharp-tongued critic of Democrats behind the lectern. One big gaffe — saying that neither McCain nor his vice presidential running mate, Sarah Palin, could run a corporation — led to her being pulled off television. But California Republicans were still eager to recruit her to run a campaign of her own.
Democrats were worried, particularly about Fiorina’s money. If she self-financed her campaign, her opponents said they feared it would embolden the argument that Boxer was a longtime senator beholden to special interests.
“Everyone was talking about how she had the resources to spend to win and was willing to spend it,” said Rose Kapolczynski, Boxer’s campaign manager. “Thankfully, she didn’t.”
When Fiorina opted not to fully finance her own campaign, two members of the National Republican Senatorial Committee said they weren’t worried. They figured that Fiorina’s relationships in corporate America would enable her to court the $50 million or so she would need to win. In the end, she raised about $23 million — nearly $7 million of which was her own.
Rather than raise money, staff members said, the corporate executive wanted a more grass-roots campaign. Forty-five percent of the money she brought in came from small donors online, said Becki Donatelli, president of Campaign Solutions, who managed Fiorina’s digital presence. It was a specific strategy crafted alongside a team that included many who worked with another successful outsider-turned-Republican politician, Arnold Schwarzenegger.
Unlike the famous actor, Fiorina did not electrify massive crowds, but she did not have to be intensely coached on policy ideas either, said Wilson, her campaign manager. She was also fun, unafraid to sing along to “Eye of the Tiger” and craft songs about her Yorkshire terriers, Snickers and Max, while cruising along the freeway.
Early polls showed Fiorina with a shot. Her campaign thought the winning votes she needed could be found in the struggling communities in the state’s agricultural heartland, where she felt she could charm Democrats and independents with in-person visits. The Central Valley had been wrecked by drought, which farmers thought was made worse by a water policy that favored endangered fish over their irrigation needs.
Robert Silva, the Democratic mayor of the city of Mendota, invited Fiorina to campaign there to see the policy’s effect on his small town, where drug use had spiked and farmworkers had lost work.
“Sometimes, the politicians can forget the Central Valley exists,” Silva said. “So we thought very highly of her that she even came by.”
Fiorina walked along dusty streets and shuttered grocery stores, listening to farmworkers in T-shirts and ripped jeans lament how government policy hurt their livelihoods.
“What she saw in Mendota haunted her,” said Mason Harrison, Fiorina’s former field director. “She made a pledge at every single stop after that she will never forget the people who sent her to Washington.”
Still, as a political strategy, many inside her camp and outside questioned whether her focus on the Central Valley was a waste of time and money, in such a big and expensive state.
“The more time she spent talking about agriculture in the Central Valley, the better it was for us,” said Kapolczynski, adding that their concerns were too distant and specific to resonate with swing voters hundreds of miles away. She added: “You would think a former CEO would have thought of this.”
[This is the ad that could sink Carly Fiorina's campaign]
On election night, Fiorina carried Mendota, indeed. But she lost across the state by 10 points.
“In the end, we could not overcome the registration advantage that Democrats had, particularly in L.A. county,” Fiorina said at a news conference.
Declining to pay after loss
As the race came to a close, Fiorina was unaware that her campaign was out of money, said three people who worked for her.
They said Fiorina had delegated responsibilities for finances to staff members, who decided to advertise heavily on TV, including ads highlighting the plight of the Central Valley.
When Fiorina learned that the campaign was in debt, she was furious. But she also refused to pay up, saying the problem belonged to the campaign itself — Carly for California.
Many campaigns end up in debt, including that of Hillary Rodham Clinton, who did not close out the $20 million she owed from her 2008 presidential campaign until January 2013. Struggling campaigns often set up payment plans or hold fundraisers to pay their bills. Fiorina’s staff members said they asked her to do the same. She declined.
In a meeting the day after, campaign workers said, she thanked her professional staff and shared a meaningful memory with each of them.
“Carly’s focus is a strength, and it can be her biggest weakness sometimes,” said Deborah Bowker, her chief of staff and one of Fiorina’s closest friends. “We designed the campaign as a broad critique of Barbara Boxer — not as a way to defend Carly — and I think she became so entrenched in the critique she was giving that she missed some of the political realities of our campaign.”
Returning to Silicon Valley, Bowker said the two appreciated how unrealistic their quest might have been. They considered how hard it was for a conservative to win in California. And how hard it was to deal with unexpected complications on the trail. One week before the election, Fiorina was hospitalized to deal with an infection related to her breast cancer.
“It was a moment of, ‘What were we thinking?’ ” Bowker recalled. “But it was fun.”
Alice Crites contributed to this report.
[Fiorina’s record at HP defines her candidacy — which could be a problem]
[This Silicon Valley big shot voted to fire Carly Fiorina. Now he's endorsing her for president]
[The Carly Fiorina legacy that no one is talking about]
Robert Samuels is a national political reporter who focuses on the intersection of politics, policy and people. He previously covered social issues in the District of Columbia
Her staff said they loved working with the former Hewlett-Packard CEO. Until their checks didn’t come in.
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Baltimore hybrid engine inventor wins $29 million in verdict against Hyundai and Kia.Abell Foundation first invested in Paice hoping it would make the hybrid engines in Baltimore and sell them to auto companies, creating local jobs.A Baltimore-based inventor of hybrid engine technology and the Abell Foundation, which invested in the company, have won a $28.9 million jury award in a patent infringement case against Hyundai Motor Co. and affiliate Kia Motors Corp.
The automakers knowingly used technology developed by Paice, a firm that designed a way to improve the performance of combined gas-electric engines, a jury ruled Thursday after an eight-day trial in federal court in Baltimore.
Paice, founded in 1992 by Russian native Alexander Severinsky, had built a prototype hybrid-powered car but was turned away by major automakers, in some cases after years of discussions.
The company and Abell, the nonprofit that's known for fighting urban poverty and which also invests in promising startups, filed a lawsuit against Hyundai and Kia in 2012. Toyota settled a Paice lawsuit by agreeing to license the technology. Paice also has a lawsuit pending against Ford Motor Co.
Representatives of Kia did not respond Friday to requests for comment. Hyundai believes the verdict is not supported by the evidence, said Chris Hosford, a spokesman.
According to court documents, the companies plan to ask U.S. District Judge Marvin J. Garbis to reverse the verdict. The automakers had argued that Paice's patents were invalid.
Abell Foundation joins suit against Ford over hybrid patents
Frances Keenan, chairman of the board for Paice and Abell's chief financial officer, said the jury was required to sort through complex evidence.
"We are pleased to have Dr. Severinsky's foundational technology recognized in the verdict and the finding of willful infringement," Keenan said Friday.
He said the inventor laid the foundation for today's hybrid vehicles, developing technology before the major automakers began to focus on electrification of the power train.
Severinsky, an electrical engineer who grew up in the Soviet Union and moved to the United States in 1978, came up with the idea to make cars more fuel-efficient while he was waiting in long gasoline lines in 1979. He soon began developing designs for a hybrid vehicle.
Baltimore foundations raising second fund to 'Propel' local startups
In 1992, he formed the company, starting out in the University of Maryland's small-company incubator program. He was awarded a hybrid vehicle patent in 1994, the first of 29 related to the technology. In an 2009 and 2010 analysis of 58,000 hybrid vehicle patents, intellectual property firm Griffith Hack identified the 10 most important hybrid patents in the world, counting four Paice patents among them.
Abell was introduced to Paice in 1998 through the university incubator program and has invested millions in support of the technology. The foundation now owns 60 percent of the firm.
Robert Embry, president of the Abell Foundation, said the organization first invested in Paice hoping it would make the hybrid engines in Baltimore and sell them to auto companies, creating local jobs. Instead the company has been forced to file lawsuits against manufacturers that used the technology without licensing it, Embry said.
A lawsuit against Toyota over technology used in the Prius resulted in the licensing agreement with the Japanese auto maker. In July 2010, Paice and Toyota entered a confidential settlement that needed a new round of litigation over other models.
In the recent lawsuit, Paice accused the Korean automakers of using Paice designs in cars such as the Hyundai Sonata Hybrid and the Kia Optima Hybrid.
If Hyundai refuses to license Paice's technology, it will be required to pay the damages, Embry said.
"It's very helpful to the foundation, if the verdict holds," he said. "It adds a significant amount to our assets, which permits us to give away more money."
With assets of $334 million at the end of 2014, Abell gave away nearly $14 million last year in grants, matching gifts and other donations to support its mission of changing Baltimore for the better, according to its annual report.
In the pending lawsuit against Ford, Paice and Abell allege that Ford spent years considering a partnership with Paice before deciding to make its own hybrid engine. Paice believes that Ford used its ideas.
"Ford built its new hybrid system by relying heavily on the hybrid vehicle inventions it learned from Paice," according to the complaint, filed in February 2014. "Ford had concluded that to build a commercially viable hybrid, it must use Paice's fundamental patented technology and teachings."
The Abell Foundation and a Baltimore-based hybrid engine inventor won $29 million jury verdict against automaker Hyundai and its sister company Kia for violating patents they own.
Lorraine MirabellaContact ReporterThe Baltimore Sun
Abell Foundation wins $29 million in hybrid engine patent suit against Hyundai and Kia
A Baltimore-based inventor of hybrid engine technology and the Abell Foundation, which invested in the company, have won a $28.9 million jury award in a patent infringement case against Hyundai Motor Co. and affiliate Kia Motors Corp.
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U.S. lacks bubble-fighting tools."My own view is that while the use of macroprudential tools holds promise, we are a long way from being able to successfully use such tools in the United States,"
Fed's Dudley: U.S. lacks bubble-fighting tools
Federal Reserve Bank of New York President William Dudley said Saturday the U.S. tool kit to deal with financial imbalances remains some distance from where it needs to be.
"My own view is that while the use of macroprudential tools holds promise, we are a long way from being able to successfully use such tools in the United States," Mr. Dudley said in the text of remarks to be delivered at a conference held by the Boston Fed.
Mr. Dudley was addressing the stable of tools authorities have, or aspire to posses, to smooth over financial imbalances that emerge in the economy. Fed officials and many others would rather use these set of facilities to quell brewing bubbles rather than to use the blunt tool of raising interest rates, which comes with a cost to the broader economy in terms of weaker employment levels and slower growth. Given the genesis of the Great Recession, authorities around the world have a great interest in knowing how to stop bubbles from rising to levels that would threaten the performance of the economy as a whole.
Mr. Dudley, a close ally of Fed Chairwoman Janet Yellen, didn't address the monetary policy outlook in his remarks. At the same time, he said he doesn't see any imminent threat when it comes to bubbles in the financial sector.
"While we work to sort all this out, we should take considerable solace from the fact that we have made the financial system more resilient to shocks," Mr. Dudley said. While it may be hard to spot the next round of imbalances, "with higher capital and liquidity requirements and the use of stress tests to assess emerging vulnerabilities, I think we are much better placed than we have been in the past," he said.
Mr. Dudley allowed that the very process of trying to spot a brewing bubble is unsettled. Also, unlike with interest rate policy choices and some forms of regulation, "there is not a well-defined framework for identifying emerging imbalances and applying macroprudential tools in response," he said.
What's more, getting the hodgepodge of U.S. regulatory authorities to recognize the problem and come up with an effective response can be difficult. "Timely implementation" is likely to be a problem because "the U.S. regulatory structure is fragmented, so that in most cases, no single regulator is able to implement macroprudential tools in a comprehensive manner."
Mr. Dudley said he sees some value in creating "hard-wired" rules in policies that would address brewing imbalances. But he also warned "my concern is that we could over-engineer the financial system, building in complexity in response to potential risks that might, or might not, manifest themselves in the future."
Write to Michael S. Derby at
Published: Oct 4, 2015 5:49 a.m. ET
MichaelS. Derby
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With strong message against creating new crimes, Gov. Brown vetoes drone bills
Gov. Jerry Brown on Saturday vetoed a trio of bills that would have prohibited civilians from flying aerial drones over wildfires, schools, prisons and jails, despite alarm over close calls with firefighting aircraft.
The governor rejected those and six other bills that would have created new crimes or penalties for misconduct including using bullhooks to handle elephants, allowing explosions in drug labs and removing GPS tracking devices from paroled sex offenders. Brown said in a veto message that there are already laws available to deal with any problems addressed by the bills.
See the most-read stories this hour >>
"Each of these bills creates a new crime -- usually by finding a novel way to characterize and criminalize conduct that is already proscribed," Brown wrote. "This multiplication and particularization of criminal behavior creates increasing complexity without commensurate benefit."
The governor noted that over the last several decades the state's criminal code has grown to more than 5,000 provisions, "covering every conceivable form of human misbehavior."
"During the same period, our jail and prison populations have exploded," Brown wrote. "Before we keep going down this road, I think we should pause and reflect how our system of criminal justice could be made more human, more just and more cost-effective." 
Governor signs bills aimed at reducing racial profiling and excessive force by police
One bill would have set steep penalties for hobbyists who fly unmanned aerial drones above wildfires and other emergencies, interfering with firefighting aircraft.
In addition to allowing fines of up to $5,000 and up to six months in jail for violations, the bill would have given emergency responders immunity from liability for damage caused to drones that they knock out of the air with electronic signal-jamming devices.
State Sen. Ted Gaines (R-Rocklin) introduced the measure amid complaints from the head of the state Department of Forestry and Fire Protection that drones have been seen flying over a dozen wildfires this summer, grounding firefighting aircraft in some cases to avoid a mid-air collision.
Before we keep going down this road, I think we should pause and reflect how our system of criminal justice could be made more human, more just and more cost-effective. - Gov. Jerry Brown
Interested in the stories shaping California? Sign up for the free Essential California newsletter >>
Gaines said he was disappointed in the vetoes, adding on Twitter "Our laws must keep up w/growing drone tech or else all of our safety is at risk."
The governor also vetoed bills by Gaines that would have prohibited hobbyists' drones from being flown over or taking pictures of K-12 schools unless approved by the school administration. The measure was aimed at protecting student privacy.
The third bill would have outlawed drones over prisons and jails in response to incidents in other parts of the country where the aerial devices were used to drop contraband, including drugs, into prison yards.
Prison overcrowding has been a chronic and costly problem in California.
Eight years ago, when officials sought to persuade judges that they were reducing prison crowding enough to avoid releasing inmates, the state Senate Committee on Public Safety began requiring that legislation be scrutinized for its impact on prisons.
Since February, the prison population has been within required limits, and legislative staff members now say that the state must only show it can keep crowding down.
Earlier this year, Brown vetoed bills that would have added three new misdemeanors, including vandalism of a redwood burl, to the book, also noting the voluminous number of crime laws already that already exist.
Here is the full text of Brown's veto message:
"Each of these bills creates a new crime -- usually by finding a novel way to characterize and criminalize conduct that is already proscribed. This multiplication and particularization of criminal behavior creates increasing complexity without commensurate benefit.
"Over the last several decades, California's criminal code has grown to more than 5,000 provisions covering every almost conceivable form of human misbehavior.
"During the same period, our jail and prison populations have exploded.
"Before we keep going down this road, I think we should pause and reflect how our system of criminal justice could be made more human, more just and more cost-effective. 
"Edmund G. Brown Jr."

California Gov. Jerry Brown speaks during the White House-organized U.S.-China Climate Leaders Summit in Los Angeles last month.
(Nick Ut / Associated Press)
Patrick McGreevyContact Reporter
Gov. Jerry Brown on Saturday vetoed a trio of bills that would have prohibited civilians from flying aerial drones over wildfires, schools, prisons and jails, despite alarm over close calls with firefighting aircraft.
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Biotechnology, Semiotics & Semantics
  • Asklepitrak
Basic Information
I am blessed to have  accepted  what the Holy Spirit and the heavenly angels have been pouring upon me....So I was able to keep learning>>> ethnography[ anthropology ], semiotics and semantics,  fundamentals of mathematics, biotechnology, harmony and esoteric things, informatics!

Here is a wonderful poem by Nobel laureate Rudyard Kipling " If ":


If you can keep your head when all about you
Are losing theirs and blaming it on you;
If you can trust yourself when all men doubt you,
But make allowance for their doubting too:
If you can wait and not be tired by waiting,
Or being lied about, don’t deal in lies,
Or being hated don’t give way to hating,
And yet don’t look too good, nor talk too wise;

If you can dream—and not make dreams your master;
If you can think—and not make thoughts your aim,
If you can meet with Triumph and Disaster
And treat those two impostors just the same:
If you can bear to hear the truth you’ve spoken
Twisted by knaves to make a trap for fools,
Or watch the things you gave your life to, broken,
And stoop and build ’em up with worn-out tools;

If you can make one heap of all your winnings
And risk it on one turn of pitch-and-toss,
And lose, and start again at your beginnings
And never breathe a word about your loss:
If you can force your heart and nerve and sinew
To serve your turn long after they are gone,
And so hold on when there is nothing in you
Except the Will which says to them: ‘Hold on!’

If you can talk with crowds and keep your virtue,
Or walk with Kings—nor lose the common touch,
If neither foes nor loving friends can hurt you,
If all men count with you, but none too much:
If you can fill the unforgiving minute
With sixty seconds’ worth of distance run,
Yours is the Earth and everything that’s in it,
And—which is more—you’ll be a Man, my son!

Rudyard Kipling


Money is a nice thing,but not everything.God is everything! Live not for money.Live for Jesus Christ! Money is only a tool and big money is a big good tool!

Thanks God!So make big money!!! Amen!!! ©


Coming in 2017:  " USA -  PROGRESS AND WORLD LEADER " 

For long time I have been diving into Semiotics and Semantics, also Theology.I am writing this year a very challenging book with a title: " God: Finite Infinity, who makes Infinite Finiteness" ©
>>>>>>>>>>>> <<<<<<<<<<<<

An Empire, a Country , a State
without faith,
without principles,
without rules,
without discipline
is a fallen empire, a fallen Country, a fallen State
in the ditch of Time- a previous page of a sinful civilization in  the history book -
written by God !!!
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
MD, Baltimore - Washington DC