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How to be happy, how to get rich - Explore. Google Trends (2021); https://trends.google.com/trends/explore?geo=CA&q=how to be happy,how to get rich

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A systematic review of the strength of evidence for the most ... - Nature.com

The U.S. Navy will commission its newest Independence-variant littoral combat ship (LCS), the future USS Canberra (LCS 30), during an international commissioning ceremony, at 10:00 a.m. AEST on Saturday, July 22 (8:00 p.m. EDT on Friday, July 21) at the Royal Australian Navy Fleet Base East in Sydney, Australia.

The Honorable Carlos del Toro U.S. Secretary of the Navy, will deliver the commissioning ceremony's principal address. Remarks will also be provided by His Excellency General the Honourable David Hurley, AD, DSC, Governor-General of the Commonwealth of Australia; the Honourable Richard Marles, MP, Deputy Prime Minister of Australia; the Honorable Caroline Kennedy, U.S. Ambassador to Australia; Adm. Michael Gilday, U.S. Chief of Naval Operations; Vice Adm. Mark Hammond, Royal Australian Chief of Navy; and Mr. Larry Ryder, Vice President of Business Development and External Affairs, Austal USA.The ship's sponsor is Australian Senator, the Honourable Marise Payne, the former Australian Minister of Foreign Affairs who attended the ship's keel laying ceremony at Austal USA's shipyard in Mobile, Alabama, in 2020.

Independence-variant LCS are fast, optimally-manned, mission-tailored, surface combatants that operate both close to shore and in open-ocean environments. LCS integrate with joint, combined, crewed, and unmanned systems to support forward-presence, maritime security, sea control, and deterrence missions around the globe. The USS Canberra's sister ships, USS Jackson (LCS 6), USS Gabrielle Giffords (LCS 10), USS Manchester (LCS 14), and USS Mobile (LCS 26) are all currently on deployment in the Indo-Pacific.

LCS 30 will be the 16th commissioned Independence-variant LCS. It is the second ship named in honor of the city of Canberra, and commemorates the more than 100 years of mateship between the U.S. and Australian allies. The first USS Canberra (CA 70) was named in remembrance of the Australian heavy cruiser HMAS Canberra that sank during the Battle of Savo Island while fighting side-by-side with U.S. naval forces. CA 70 was the first U.S. Navy ship named for a foreign capital.

The first USS Canberra (CA 70) received seven battle stars for her service in World War II. In May 1958, Canberra served as the ceremonial flagship for the selection of the Unknown Serviceman of World War II and Korea. Canberra was decommissioned in a ceremony on Feb. 2, 1970, at the San Francisco Bay Naval Shipyard. One of her propellers is preserved at the Los Angeles Maritime Museum, while the ship's bell is on display at the Australian National Maritime Museum.

Media may direct queries to the Navy Office of Information at (703) 697-5342. More information on the Littoral Combat Ship Program can be found at: https://www.navy.mil/Resources/Fact-Files/Display-FactFiles/Article/2171607/littoral-combat-ship-class-lcs/ The ceremony will be live streamed at: https://www.dvidshub.net/webcast/32033. The link becomes active approximately ten minutes prior to the event at 10:00 a.m. AEST on Saturday, July 22 (8:00 p.m. EDT on Friday, July 21).

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U.S. Navy to Commission Littoral Combat Ship Canberra in Australia - Department of Defense

Weve all probably heard the phrase captive insurance.

But in case you think its to cover losses if you are taken hostage in a third-world country, captive insurance is actually when a company creates its own insurance company to provide coverage for its own risks. Instead of relying on traditional insurance companies, the company forms its own subsidiary to handle its insurance needs. This allows the company to have more control over its insurance costs, coverage, and claims. The captive insurer can also generate investment income from the premiums it collects. Its like creating an in-house insurance company tailored specifically to the needs of the parent company, providing greater financial flexibility and potential cost savings.

AZ BIG Podcast: Cathleen Walker of PNC talks captive insurance

To explain everything you need to know about captive insurance and how it may boost your bottom line, Az Business sat down with two experts, Cathleen Walker, regional president for Phoenix and Northern Arizona for PNC Bank and one of Az Business former Most Influential Women in Arizona and Anjanette Fowler, managing director of institutional and asset management for PNC Bank.

Az Business: What do business leaders need to know about captive insurance?

Anjanette Fowler: There are some complexities to it and certain considerations to think about before heading down this path. It is a regulated entity. But it is a risk financing tool that organizations from nonprofits to large publicly traded organizations and everything in between can utilize to help manage the cost of their risk, which has become a real challenge.

Cathleen Walker: Weve heard from many clients seeing 25% to 50% increases in their insurance premiums and in some cases not even able to get certain coverages.

AF:We are busier than weve ever been in helping clients connect the dots with how they can find some relief from the insurance premium pressures that theyre experiencing. Ive been helping companies invest the assets that accumulate in these captive structures for more than 25 years and this is probably the busiest Ive ever seen it when it relates to the cost of financing your risk.

AB: How tough is it for a company to set up captive insurance?

AF: I think most organizations might feel a little bit overwhelmed with the thought of starting an organization that is regulated. But its important to understand that these are useful tools and there are guardrails for you in the regulatory environment and its not overly burdensome. Its a very friendly regulator environment. It makes sure that whatever structure you put in place to create and and manage your risk, its done in a prudent fashion.

AB: How is captive insurance managed for a company?

AF:Its very rare that you would have your in-house personnel overseeing these organizations. You typically see it outsourced to specialists who report to stakeholders within the organization. The regulator really is a member of that team. Its not an adversarial type relationship.

CW:Can you talk a little bit more about the process and how you go about forming a captive if you dont have one?

AF: PNC prides itself on being a valued partner to our clients and prospective clients. While were not the lead quarterback of the captive insurance team that you put on the field, were involved and entrenched in the solution. We are knowledgeable as to how to go about fielding that team and making those connections. The player that youre going to draft for your team your quarterback is the captive manager. The responsibility of that organization is to do a cost-benefit analysis to determine the risk tolerance and decide if a captive self-insurance structure is going to pay off for you.

AB: Whos the ideal candidate to go to the captive structure?

AF:Weve seen some big changes in the last few years. COVID was a little bit of gasoline on the fire. When we think about risk management, we had a lot of business interruption, supply chain disruption. Folks thought they had coverage in the traditional commercial market, but found out when they read the fine print, there were lots of exclusions. So, the ideal candidate for captive insurance has changed tremendously. Were seeing smaller and smaller organizations, even nonprofits, being forced to go down this path. There are some rule-of-thumb metrics and other considerations. But if youre paying $1 million or more in annual premiums, captive insurance might be something you want to consider for your organization.

CW:What are some of the things driving the increased interest in captive insurance?

AF: Business interruption. COVID kind of pulled back the curtain on that. Supply chain disruption is another issue. What weve seen transpire, with hurricanes, wildfires, floods. Even if we didnt experience that loss directly, our premiums are impacted. But one of the things that were all seeing on both a personal level and on a business level is cyber risk. Its so huge right now. Its almost unquantifiable. A lot of experts in this space feel like cyber will eventually become much like a terrorism-risk-type coverage, where the government is going to have to come kind of form a backstop there. But thats one thats certainly driving a lot of the consideration. It wouldnt be the only risk you would put into a captive, but its one that we see go into captives a lot just because of the ransomware.

AB: Other than having more control over coverage, what are other benefits of going with captive insurance?

CW:One of the key benefits of captive insurance is youre paying the premium to yourself, so you can invest those assets and you have control over how youre investing those assets through your own investment policy and other risk tolerance applications.

AF: That is one of the great features of captives. It does give you greater control. When youre doing your budget as an organization, you want to be able to project costs. But when you or someone else has some sort of catastrophic event, it impacts your premiums and you see these spikes. Youre never able really to ever be able to effectively project what those costs are going to be. Utilizing a captive structure allows you to smooth those costs out and be able to project and control how those roll through and impact your parent company, and thats a great benefit.

AB: If business leaders want to learn more about captive insurance and how PNC can help them, how do they learn more?

CW: The best thing to do is to reach out via our website pnc.com/iam and we can get them in touch with the right folks within our organization. Its a very complex category of insurance and a lot of education and other resources are available to help walk people through that.

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Here's how captive insurance can boost your bottom line and control ... - Arizona Big Media

Radio stations that broadcast Sauti Ya Wahami or help to produce it have on several occasions received visits from M23 rebels, who have threatened and intimidated their staff. The M23 summoned radio station directors in February and ordered them to stop broadcasting the programme on the grounds that it incites hatred. Fearing reprisals, the radio stations complied.

Many radio stations gradually resumed broadcasting the programme from April onwards. But the directors of these radio stations finally received this message from M23: You are invited to the meeting on 10 August to evaluate this programme (...) In the meantime the programme continues to be suspended. You are reminded that Top Congo also continues to be suspended. The evaluation is only for the programme Sauti Ya Wahami.

Top Congo FM, which broadcasts from the DRCs capital, Kinshasa, is one of the regions most popular stations. Radio stations in M23-held areas have been forbidden to retransmit its programmes or cooperate with its producers since February.

Ever since fighting between M23 and the FARDC resumed in 2021, the media in Nord-Kivu have been constantly harassed by both sides. On the one hand, M23 threatens them and orders them to stop broadcasting certain news programmes. On the other, they feel abandoned by the government, which threatens journalists with reprisals if they yield to M23s threats.

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Displaced reporters censored again in areas held by M23 rebels in ... - Reporters sans frontires

LAREDO, Texas U.S. Customs and Border Protection officers and management from Laredo Field Office are reminding the traveling public of inspection reporting requirements and advise that there is a significant monetary fine issued and the possibility of federal prosecution for those who attempt to depart the CBP inspection area without inspection.

We want the traveling public to be mindful that they are subject to inspection when they enter the U.S. from a foreign country at the port of entry and those who would attempt to evade inspection or run the port face a $5,000 fine, vehicle seizure and may face criminal prosecution, said Acting Director, Field Operations Eugene Crawford, Laredo Field Office. Would-be port runners pose a serious public safety threat to our officers and the traveling public. CBP remains committed to preventing such attempts, penalizing and prosecuting those who do and educating the community about inspection reporting requirements to prevent further port running attempts.

CBP has seen a recent rise in attempts to run or depart South Texas ports of entry before concluding inspection and has implemented traffic control and similar safety measures to deter future attempts.

As expressly stated within 19 CFR 162.6, all persons, baggage and merchandise arriving in the Customs territory of the United States from places outside thereof are liable to inspection by a CBP officer." Unless exempt by diplomatic status, all persons entering the United States, including U.S. citizens, are subject to examination and search by CBP officers.

Violators face civil or criminal penalties for failing to complete inspection, departing the port of entry without permission, and port running.

According to 19 USC 1433 and 19 USC 1581, civil penalties may include a $5,000 fine, seizure of vehicle or forfeiture for the first violation, and a $10,000 penalty for each subsequent violation.

Additionally, violators who are criminally prosecuted may face up to five years in prison, a $250,000 fine, and up to three years of post-imprisonment supervised release.

Follow the Director of CBPs Laredo Field Office on Twitter at@DFOLaredoand also U.S. Customs and Border Protection at@CBPSouthTexasfor breaking news, current events, human interest stories and photos.

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Laredo Field Office CBP officers remind traveling public of ... - Customs and Border Protection