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Back to Sign-In FormIf you have forgotten your login details, please re-confirm your email address below and your username and password will be sent to this email shortly.Your email address Submit Need more help?Request SupportCustomer Support support@zawya. What's Hot:Arab SummitIran nuclear dealGreen & SustainableDubai Expo 2020 Syrian War in FocusEvolution in EgyptIn FocusBusinessPulse offers SMEs transparent information and support to help turn a business idea into reality. A micro-site focused on currency trading that will empower you to become a successful trader. Rome: Some of the developing world's larger countries, flush with capital after being recognised by investors as "emerging-market economies" (EMEs), have been pursuing policies with little regard for the lessons of the financial crises of 1997-1998 and 2008-2009. As a result, countries like India, Brazil, South Africa, and Indonesia have been hit by the US Federal Reserve's gradual exit from so-called quantitative easing (QE) -- not just capital-flow reversals, but also a sharp decline in domestic asset prices. Various developments last year raised expectations that the Fed would begin to taper its $85 billion-per-month open-ended bond-buying programme sooner rather than later. This drove up US government-bond yields, and reduced the appeal of higher-yielding EME currencies. As a result, several EME currencies, from the Indian rupee to the Turkish lira, declined sharply. Moreover, some EMEs have experienced financial-market disruptions and slowing economic growth. Such developments often lead to perverse economic behaviour, as rumours and pessimistic predictions become self-fulfilling. Typically, after international investors "discover" an EME, it receives massive -- but easily reversible -- capital inflows. The influx of cash fuels domestic asset-price bubbles and booms in related sectors of the real economy, pushing up the real exchange rate and, in turn, weakening incentives for domestic producers. This drives investors to put even more of their money in non-tradable sectors, such as construction and real estate. The growing current-account deficit is largely ignored, as long as capital inflows continue to cover it and economic growth remains strong. Short-lived market rallies make matters worse, frequently inducing further unfounded exuberance. And when officials recognise the problem, hurriedly announced policy measures, such as capital controls, are usually too little too late, and can have adverse effects in the short term. Investors, long encouraged to take a short-term view, may be surprised by such developments. But there is little excuse for the failure of policy-makers and researchers to anticipate the recent capital-flow reversal. After all, while the Fed's tapering of QE undoubtedly has contributed to recent events, many EMEs have been in trouble for quite a while, with output growth decelerating gradually and private investment declining. Capital-fuelled economic booms do not significantly improve most people's lives, because public expenditure on infrastructure, health care, sanitation, education, and social protection does not rise adequately to compensate for adverse consequences. These consequences include accelerating consumer-price inflation (despite slowing GDP growth) and worsening external balances as currency appreciation weakens export growth and feeds a growing appetite for imports. Many recent EME booms have involved debt-financed consumption binges and investment sprees that relied largely on short-term capital inflows. Making matters worse, the euphoria accompanying bubbles in stock and property markets has fuelled credit expansion for businesses and households, with rising private and, in some cases, public debt, as well as current-account deficits, increasingly financed by "hot money" from abroad. Such debt-driven bubbles have long been known to be unsustainable. But those who have warned of the EMEs' impending busts have been dismissed as "prophets of doom" who underestimate the EMEs' potential. The marginalisation of economic history in economics education is now exacting a high toll. The facts are simple: bubbles can collapse easily and quickly, and controlling a panic is virtually impossible. Once markets turn, many of the policies -- and policymakers -- celebrated during the boom are recast as in a far dimmer light. Former US Federal Reserve Chairman Ben Bernanke may be blamed this time, but EME busts can easily be triggered by anything from a minor change in global conditions to an unexpected growth hiccup or domestic political instability. Even economic difficulties in a neighbouring country could be sufficient to prick a bubble. The resulting crisis, by reducing employment and incomes, stands to hurt many innocent bystanders, most of whom did not benefit significantly from the boom. This is already happening in several emerging-market economies, just as it has occurred many times elsewhere. The author is Assistant Director General and Coordinator for Economic and Social Development at the Food and Agriculture Organisation of the United Nations. © Copyright Zawya. All Rights Reserved. Post Your CommentYour first name Your last name Email address Express your views or tell us more about this article By ticking this you confirm that you've read our comments policy. Post It Sending ... 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with this article. On March 17, the New York senate rejected the highly debated DREAM Act. The legislation was defeated 30-29, just under the 32 votes needed for it to be passed. Though a bill being rejected by the senate is not unheard of, it is very uncommon for the 63-seat senate to not meet the required vote. However, on this occasion two seats were vacant and two senators abstained. All five members of the Independent Democratic Conferences in the minority voted in favor of the bill while no Republicans voted on its behalf. Sen. Ted O’Brien, D-Irondequoit, Monroe County, and Sen. Simcha Felder, D-Brooklyn, were the only Democrats to not support the bill. Finger-pointing between the two parties has erupted in the wake of the decision. “Here we had an opportunity where this failed by two votes,” said Sen. Jose Peralta, D-Queens. “Individuals have immigrants in their district where they could have stood up and done the right thing, but they didn’t. “The bottom line is we did not get one single Republican vote, and that’s something they are going to have to live with,” Peralta later said. The DREAM Act, which stands for Development, Relief, and Education for Alien Minors, was revised and reintroduced back in 2011. The most recent proposition, the legislation focused on permitting some immigrant students to apply for temporary legal status during their studies at a college. If passed, the act would enable those without legal immitgration status to receive state-level financial aid, while also creating a commission whose job it would be to collect funds and help give out scholarships to those who meet the requirements. The proposal included a budget of approximately $25 million, which was aimed to assist students who are currently residing in the United States though uwithout legal immigration status, towards the Tuition Assistance Program (TAP). The program would have provided up to $5,000 a year to undergraduate students attending either a public or private four-year college. Originally TAP was limited to only provide for legal citizens, but if the DREAM Act passed, the umbrella of aid would reach out to cover all students who met the prerequisite, regardless of their current legal standing. “I simply cannot justify spending tens of millions of taxpayer dollars annually to pay for tuition for illegal immigrants when so many law-abiding families are struggling to meet the ever-increasing costs of higher education for their own children,” said Sen. Mark Grisanti, a Republican from upstate New York. The exact number of eligible students is uncertain, but New York state comptroller Thomas DiNapoli said in a report that around 8,300 students in CUNY and SUNY would be covered by the DREAM Act. New York is one of 16 states to allow immigrant students to pay in-state tuition while attending a public institute. States currently enabling such students to access aid are Texas, New Mexico, California and Washington. Earlier this year, activists working with the New York State DREAM Coalition, an organization made up of several academic institutions, called on New York state governor Andrew Cuomo. CUNY was one of the many involved in the coalition. Shortly after Cuomo aligned with those in favor, the New York state DREAM Act was passed by the State Assembly on Feb. 25, 2014. For students in New York state, the passing of the act meant that students who have either a state GED or spent two years prior to graduation in a New York high school would be eligible for state-sponsored aid.Comments are closed.Digital Natives by Ringo Admin Login | Content Policy This is a beta version of the new BaruchConnect.com, powered by Ringo. The content on this site is a combination of content written by club administrators and system administrators, and may or may not accurately represent the actual message of the individuals or organizations associated with it. The Ringo software has been designed and developed by Digital Natives Group Inc. (link to nativesgroup.com) and is being beta tested with the cooperation of the Undergraduate Student Government of Baruch College. At this time, this is not an official Baruch College website. 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Bloomberg. Businessweek. This site uses cookies. By continuing to browse the site you are agreeing to our use of cookies. Bloomberg is best experienced with JavaScript enabled. Regions U.S. China Europe Asia U.K. U.S. Save Photographer: Lam Yik Fei/Getty Images Student protesters continue to occupy the legislature, which has now been going on for... Student protesters continue to occupy the legislature, which has now been going on for over a week in Taipei, Taiwan, on March 24, 2014. Student protesters continue to occupy the legislature, which has now been going on for over a week in Taipei, Taiwan, on March 24, 2014. Protests against closer economic ties with China are threatening to condemn Taiwan’s offshore-yuan debt market to another year in the shadow of Hong Kong’s Dim Sum bonds. About 1.5 billion yuan ($242 million) of Formosa notes were sold in Taiwan this year, 1 percent of total offshore renminbi debt issuance of 162 billion yuan, data compiled by Bloomberg show. Only nine of the 15 bonds sold in the market’s debut year traded in the secondary market in the first two months of 2014, according to GreTai Securities Market, the main exchange. A trade pact that would open up the services sector between China and Taiwan has been stalled amid violent clashes. Taiwan’s yuan debt market has a long way to go to meet the exchange’s target of 22 billion yuan in issuance in 2014, even as holdings of China’s currency on the island more than doubled from six months earlier to 247 billion yuan on Feb. 28. Thousands of protesters clashed with riot police removing them from a sit-in at cabinet offices this week amid fears China would use closer economic ties to assert political control on the island, which it considers a renegade province. “There’s been little demand from the market because interest rates aren’t that appealing compared with Dim Sum bonds,” said Louis Mao, a Taipei-based fund manager at Yuanta Securities Investment Trust Co., which oversees NT$294 billion ($9.6 billion) and doesn’t hold any Formosa debt. “The services pact would increase the need for yuan funding in Taiwan as more firms expand operations into China. At 1.62 percent, the 10-year sovereign yield on Taiwan dollar bonds is the world’s fifth-lowest, making borrowing especially cheap. The discount for the benchmark against that of China’s government has widened 64 basis points in the past year to 293 basis points on March 24. Taiwan’s central bank has kept its benchmark discount rate at 1.875 percent since June 2011, the longest-ever period without a change. Yuan bonds in Taiwan have lower yields than those in Hong Kong. The Export-Import Bank of Korea sold 10-year Formosa bonds at 4.5 percent in January, compared with a yield of 4.988 percent on similar-maturity Dim Sum bonds at the time. Global offshore yuan bond issuance has surged 97 percent this year even as the average yield climbed 30 basis points to 4.36 percent, an HSBC Holdings Plc index showed. Dim Sum debt sales may swell past 500 billion yuan for the first time this year, according to HSBC, the top-ranked underwriter. Yuan note sales in Taiwan will be boosted by the passage of the services pact, which will facilitate remittances of the currency to free-trade zones in China, said Soushan Wu, chairman of GreTai Securities. The exchange has doubled its target for Formosa issuance from last year’s 10.6 billion yuan sales to 22 billion yuan in 2014. Half of this year’s offerings will come from Chinese banks while the rest will be sold by Taiwan firms with businesses on the mainland, Wu added. The China-Taiwan agreement signed in August would open as many as 80 service industries including banking, brokerages and e-commerce to competition across the Taiwan Strait. The deal could lead to China getting control of more than half of the island’s banking industry, opposition Democratic Progressive Party Chairman Su Tseng-chang said on March 20. Student protesters accuse President Ma Ying-jeou of fast-tracking the agreement and failing to address their concerns. While the government supports a detailed review, the pact can’t be retracted because it is good for “our efforts to become a free market,” Premier Jiang Yi-huah said on March 22. The troubles reflect a growing skepticism over greater economic integration with China, which has kept more than 1,000 missiles pointed at Taiwan in demonstration of its resolve for eventual unification. China and Taiwan have been governed separately since Chiang Kai-shek’s Nationalists decamped to the island during a civil war. Though China became Taiwan’s largest trade partner more than a decade ago and direct flights between the territories began in 2008, the two have never signed a peace treaty or negotiated a truce. Wang Yu-chi, minister of Taiwan’s Mainland Affairs Council, traveled to Shanghai in February and met with Zhang Zhijun, minister of China’s Taiwan Affairs Office, marking the first official cross-strait contact in 65 years. President Ma has deepened Taiwan’s financial ties with China, which include a yuan-clearing agreement signed August 2012 that paved the way for the island taking yuan deposits and selling Formosa notes. Taiwan’s financial regulator has so far restricted the type of Chinese issuers and capped their sales at a total of 10 billion yuan, just 67 percent of which has been used. Two calls and an e-mail to the Financial Supervisory Commission’s Securities and Futures Bureau didn’t draw a response yesterday. The current quota may limit options for the six mainland banks, including policy lender China Development Bank Corp. and Bank of China Ltd., that have expressed interest this year in offering Formosa debt. China Construction Bank Corp., Bank of China Ltd. and Agricultural Bank of China Ltd. are among those that have issued yuan debt in Taiwan. While Chinese banks have a strong demand for funding that Taiwan’s large yuan pool can fulfill, local regulations remain an obstacle, according to Becky Liu, a Hong Kong-based rates strategist at Standard Chartered Plc. The Chinese banks that “do have the genuine need are unable to issue, or unable to issue more” because of regulations, Liu said. Also, demand for yuan among Taiwanese lenders won’t increase until they hold more yuan assets such as trade-financing loans, she said. China has pledged support for offshore yuan hubs in a push to enlarge the currency’s role in global trade and finance. Competition for yuan business has intensified, with London and Singapore selling Dim Sum notes. The U.K. and Singapore have both signed deals with China to start direct foreign-exchange trading and arrange currency swaps. While the yuan has gained 8.9 percent in the last three years, its appreciation has paused as the Chinese central bank allowed the currency to decline to discourage one-way appreciation bets. The yuan and Taiwan dollar’s have been Asia’s two worst-performing currencies in the past three months, dropping 2.1 percent and 1.9 percent, respectively, on signs economic growth on the mainland is slowing. Yields on Formosa bonds need to be high enough relative to similar debt in Hong Kong’s Dim Sum market in order to compensate for low liquidity, said Vincent Wu, Taipei-based chief investment officer at the fixed-income department of Fuh Hwa Securities Investment Trust Co., which manages NT$179 billion of assets. He said he has bought just one of the Formosa offerings, which he didn’t name, so far for his yuan bond fund. “The Dim Sum market still gives more investment choices,” Wu said. “For the previous issues in Taiwan’s yuan market, interest rates were still slightly lower than those in Hong Kong. To contact the reporters on this story: Justina Lee in Taipei at jlee1489@bloomberg.net; Lilian Karunungan in Singapore at lkarunungan@bloomberg.net; Fion Li in Hong Kong at fli59@bloomberg. To contact the editors responsible for this story: James Regan at jregan19@bloomberg.net; Sandy Hendry at shendry@bloomberg. 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Ask Dr. Anthony L. Komaroff, M.D. Ask Dr. Click photo to enlargeDr. «1»Dear Dr. K: I'm a longtime smoker. Dear Reader: Until recently, my answer would have been "no." In the not-too-distant past, screening of people without symptoms — even smokers who were at high risk — was judged useless for lung cancer. That's because screening for lung cancer involved using standard chest X-rays, and they produced too many "false positive" results: They identified "spots" in the lungs that were harmless. And they also produced too many "false negative" results: They failed to find small, early and potentially curable cancers. When screening chest X-rays found lung cancer, it was big and old enough that it usually already was incurable. Computed tomography (CT) scans of the lungs, however, take much clearer pictures than standard chest X-rays. Studies in recent years have shown that when people are at high risk for developing lung cancer, CT scans find many more small, early and potentially curable lung cancers — with an acceptable number of "false positive" results. Most important, the evidence is that current types of CT do not just find cancers early; they also save lives among people who are at high risk for getting lung cancer. After advising for many years against screening for lung cancer (with standard chest X-rays or other techniques), the U.S. Preventive Services Task Force (USPSTF) reviewed the latest studies. It now recommends yearly tests for people at high risk for lung cancer. The USPSTF is a group of experts in evaluating scientific studies and in preventive medicine. Specifically, the USPSTF recommends annual, low-dose computed tomography (CT) scans of the lungs for high-risk adults ages 55 to 79. You are considered high-risk if you have smoked for at least 30 "pack-years." This could be 30 years of smoking one pack a day, 15 years at two packs a day, or other equivalent combinations. Screening is recommended for anyone in this group who is a current smoker or has quit in the last 15 years. Any kind of X-ray — and CT scans use X-rays — involves radiation. Fortunately, the CT scanners that are used to screen for lung cancer involve relatively little radiation. Most experts agree that the radiation risks from screening with these scanners are very small. When it comes to lung cancer, however, prevention remains even more important than early detection. And the biggest change you can make to prevent lung cancer is not to smoke. If you smoke now, commit to quit. · Behavior programs, such as one-on-one counseling and support groups. · Nicotine replacement, available in many forms including skin patches, chewing gum, lozenges, nasal spray or inhalers. · Quit-smoking medications such as varenicline (Chantix) and buproprion (Zyban). · Hypnosis, acupuncture and other alternative treatments. If you fall into the USPSTF high-risk categories, talk to your doctor. The sooner you begin to be screened, the earlier these tests might detect a tumor. I've certainly changed my practice since the USPSTF published its opinion. Dr. Komaroff is a physician and professor at Harvard Medical School. See his website to send questions and get additional information: www.AskDoctorK.com. The Monterey County Herald's commenting service is provided by Disqus. We encourage commenters to use their real names and to respect other commenters and readers. Please enable JavaScript to view the comments powered by Disqus. 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Tweet WidgetFacebook LikeGoogle Plus OnePinterestThe author’s husband, in a rental car, pulling into a bed-and-breakfast in Calogne, Spain. Over the past several years, my husband, Oggi, and I have rented more cars than I can count. This is not because we are carless New Yorkers with a weekend travel habit. Rather, it’s because both of our careers keep us in a state of constant mobility, with shifting home bases across two continents. Along the way, I’ve observed two things. One, that renting a car is an exercise fraught with complexity, confusion and, not infrequently, frustration. And two, that many people pay more than they need to, because getting the best deal requires a certain amount of savvy. I’ve come by this knowledge the hard way: through experience. So as we head into the summer driving season, here are a few choice tips for navigating your ride. 1. Your online reservation guarantees your rate, not your car. This may seem obvious to those who rent often, but for those who don’t, it can come as a surprise to arrive at the rental counter and discover there is no car waiting. That printed reservation you’re waiving means nothing to the clerks who handed over the last set of keys to a compact car hours ago — especially if, as with many reservations in the U.S., no credit card was used to hold the transaction. Incidentally, it’s usually the smaller cars they run out of. You’ll generally be offered a larger car or van — at a substantially higher rate. The day I need the car, I generally phone the rental counter directly at whatever location I’m picking up from, confirming that they have a vehicle available. If they don’t, I have time to call around to see who else might. 2. When renting a car abroad, always confirm insurance coverage for each country you may be visiting. Both the rental car company and the credit card restrict liability based on where you travel with the car. Those restrictions may be obvious — countries where car-theft is rampant, or road conditions particularly poor — but they aren’t always. A few years ago, for instance, I discovered that American Express would cover me anywhere in Western Europe — but not Italy, where I was headed with Oggi for a two-week road trip. I didn’t inquire as to their logic, but once Oggi headed into Roman rush-hour traffic, he had his own theory. “I thought my region had the worst drivers in the world,” he said, referring to the Balkans. “I was wrong. 3. If you need to extend your rental, and rates have gone up, you may be able to extend at your original rate. You can often do this for up to a month; it pays to ask. 4. When renting abroad, if something seems fishy at the rental car counter, raise the specter of American Express. I keep mentioning Amex because this is the name that strikes fear into the heart of foreign merchants everywhere. So given how often misunderstandings can pop up at the rental counter, I’d never rent a car with another card. Once, returning a car in Athens, I was repeatedly told I’d have to sign for an extensive insurance policy that effectively doubled the cost of the rental — and to which I had never agreed. There was a lot of heated back-and-forth until I threatened to call American Express and dispute the charge. Suddenly the clerks looked at each other and, turning to me, agreed to let it go. “I always use the American Express, too,” one told me. 4. A one-way road trip can be cheap — if you’re strategic. Drivers traditionally faced hefty fees for dropping off a rental in a different city from pickup. But that’s not always the case anymore — especially if you are essentially saving the company money by moving the car to a more seasonally profitable region. Last year, for example, I rented a car in Miami and drove it all the way to New England. It was May, when the Passover and spring break crowds are long gone and snowbirds had migrated north. Rental-car companies were eager to move cars where the customers were; as a result, I spent about $100, including insurance, for a 10-day rental. 5. If you don’t own a car, you can still get a reasonable liability policy — but not from the rental car company. Like many New Yorkers, I do not own a car and therefore am not covered for liability under an existing policy (my credit card covers collision and damage). Purchasing liability coverage at the counter easily doubles a good daily rate, about $15 per day in the U.S. But most people don’t realize that an insurance company like Amica can often write you a rental-car liability policy that will cover your temporary vehicle — and the rate is substantially cheaper. Overseas, I double-check my coverage with Amex, and then buy a comprehensive policy anyway. In Europe, where the customer is generally always wrong, it’s peace of mind that has no price. editor@jewishweek. The Jewish Week feels comments create a valuable conversation and wants to feature your thoughts on our website. To make everyone feel welcome, we won't publish comments that are profane, irrelevant, promotional or make personal attacks. The content of this field is kept private and will not be shown publicly. By submitting this form, you accept the Mollom privacy policy. Please select the area(s) of interest you have from the above and click the sign up button below. naplesbaycolonyproperties. NewsEditorial & OpinionArtsFeaturesFood & WineSpecial SectionsBlogsSupport UsContact Us© Copyright 2014 The Jewish Week, Inc. 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View mobile siteFollow us on Wednesday, March 26, 2014 | 1:06 a.m. Sports HomeNBCOlympics. Entertainment HomeSee and Be SeenPittsburgh's BestPittsburgh. What's on WPXI-TVChannel 11 News StaffPCNCME-TVTake FiveEnergy JobsWPXI On FacebookWPXI On TwitterPittsburgh Find-ItJobs at WPXIInternships Contact UsHome > EntertainmentPosted: 12:40 a.m. Courtesy WetPaint. Call us selfish, since we just witnessed a Bachelor wedding two months ago, but we are in serious countdown mode for a Bachelorette wedding. The Season 9 cuties have been living together in Seattle, in fully engaged bliss since the show wrapped in August 2013. Considering Des’s day job is all about weddings, all the time, we bet she’s had plenty of bells ringing in her ears in anticipation of her own special day. The couple jetted down to Los Angeles for Juan Pablo Galavis’s Season 18 Bachelor finale and Des caught up with YourTango.com to chat about her coming nuptials. Last we heard, they were debating between the natural beauty of the Pacific Northwest, and California, where Des’s family and friends still live. So, what’s the winning choice? Cali, it turns out. “We don’t have an exact date set just yet, but just had our engagement party and are taking our time to plan,” Des reveals. “It will be in California, since that is where I call home. It doesn’t hurt that production for the show the couple met on is based out of Cali, meaning there’s an even greater chance we’ll get to watch them walk the aisle. In fact, all the televised Bachelor/ette weddings have been in The Golden State: Sean and Catherine got married in Santa Barbara, Jason and Molly Mesnick got hitched in Rancho Palos Verdes, Ashley and J.P. tied the knot in Pasadena, and original couple, Trista and Ryan Sutter, made history in Rancho Mirage. Tick tock, ding dong, get married wherever you want, you can’t go wrong! (You can thank constant poet Chris for that inspired ditty. 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