Inspirational Media ArticlesExcerpts of Key Inspirational Media Articles in Major Media
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A Danish bank has launched the worlds first negative interest rate mortgage handing out loans to homeowners where the charge is minus 0.5% a year. Negative interest rates effectively mean that a bank pays a borrower to take money off their hands, so they pay back less than they have been loaned. Jyske Bank, Denmarks third largest, has begun offering borrowers a 10-year deal at -0.5%, while another Danish bank, Nordea, says it will begin offering 20-year fixed-rate deals at 0% and a 30-year mortgage at 0.5%. Under its negative mortgage, Jyske said borrowers will make a monthly repayment as usual but the amount still outstanding will be reduced each month by more than the borrower has paid. The mortgage is possible because Denmark, as well as Sweden and Switzerland, has seen rates in money markets drop to levels that turn banking upside-down. Hegh said Jyske Bank is able to go into money markets and borrow from institutional investors at a negative rate, and is simply passing this on to its customers. In Denmark, interest rates on savings deposited in Jyske ... have already fallen to zero. In reality, the Jyske mortgage borrower in Denmark is likely to end up paying back a little more than they borrowed, as there are still fees and charges to pay to compensate the bank for arranging the deal, even when the nominal rate is negative.
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The chain of command at PV Squared, a solar panel installation company in Massachusettss Pioneer Valley, is admittedly convoluted. Technically, Im Kims boss, says general manager Jonathan Gregory of bookkeeper Kim Pinkham. But Kims on the board, and the board oversees my position, so technically shes my boss. As members of a worker-owned cooperative, the 40-plus employees elect their own board of directors and make decisions based not on majority rule, but by consensus. When theyre not holding the microphone, members at meetings express themselves with hand signals: a flat palm for a question or statement, a raised index finger for direct response, and a hand cupped in a C for a clarification. Currently, worker-owned entities employ about 17 million people, or 12% of the U.S. workforce. Such business can take a variety of forms, from equity-sharing plans like those found at Publix super markets, Land OLakes, and King Arthur Flour, to more radical models, like at PV Squared. By far the most common are employee stock ownership plans, or ESOPs. On the other end of the spectrum are workers collectives ... where there is no hierarchy. Collective Copies, a copy shop with 11 workers and locations in Amherst and Florence, Massachusetts, operates according to this model. After a trial period of six months, new hires are invited to become owners. Everyones on the board of directors, says Matt Grillo, a worker-owner who has been with Collective Copies for 20 years.
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Amazon is threatening third-party sellers with fines for using excessive packaging for large items, in an effort to reduce waste, minimize shipping costs and ensure that customers can open boxes more easily. Third-party sellers who violate the rules can be fined $1.99 per order. The new fines, announced in a letter to sellers in September, were supposed to take effect on Aug. 1, giving sellers nearly one year to become compliant. However, Amazon is delaying implementing the rules until Sept. 3 because some sellers want Amazon to first certify their packaging as being acceptable. In the ramp up to the new rules, Amazon has been giving sellers a $1 per order credit to get them on board with the new shipping guidelines. The new rules in September only apply to items that are larger than 18 x 14 x 8 inches, or over 20 pounds. It's all part of Amazon's broader environmental push. Amazon revamped its own packaging in 2010 with its so-called Frustration-Free Packaging initiative, which aims to cut down on waste and ensure that customers can open packages without box cutters and scissors. It has also cleared some products to be shipped without extra packaging. Also as part of its environmental efforts, Amazon says it has avoided using 244,000 tons of packing materials over the past decade, or as many as 500 million boxes.
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Carpenter Dale Schroeder ... was a frugal man who, over a lifetime without a family of his own, put together a $3 million scholarship fund that has made it possible for 33 people to attend college. "He was that kind of a blue-collar, lunch pail kind of a guy. Went to work every day, worked really hard, was frugal like a lot of Iowans," Steve Nielsen, Schroeder's lawyer who helped arrange the scholarships, told CNN. "I never got the opportunity to go to college and so I'd like to help kids go to college," Schroeder told Nielsen 14 years ago, the lawyer said. "I kinda was curious, I said 'how much are we talking about Dale?' And he said, 'Oh just shy of $3 million' and I nearly fell out of my chair," Nielsen said. Schroeder died in 2005, but he left behind two pairs of jeans, a rusty truck and instructions to allocate the funds to small-town Iowa kids, CNN reported. "I grew up in a single-parent household and I had three older sisters so paying for all four of us was never an option," Kira Conrad, the last of the 33 to have their college tuition paid in full by Schroder's fund, told CNN. "For a man that would never meet me, to give me basically a full ride to college, that's incredible. That doesn't happen." The 33 Iowans Schroeder put through college recently gathered around his old lunch box. They dubbed themselves "Dale's kids." It was a group of doctors, teachers and therapists with no college debt. With Schroeder gone, there's no paying it back. His only wish was they pay it forward.
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The odds are against former prisoners in the U.S. when it comes to staying out of incarceration. About eight in 10 who were released from prison in 2005 were arrested again at least once by 2014, according to the most recent study by the U.S. Department of Justice. And the risk of former prisoners recidivism is highest the first year after release – about 44 percent of state prisoners were arrested again within a year of release. Formerly incarcerated people are nearly 10 times as likely to be homeless as the average American. Weld Seattle, a nonprofit based in Washington state, aims to reduce homelessness by using vacant buildings as temporary housing until development officially begins. In total, Weld Seattle has housed 125 people and has seen 43 residents move on to independent permanent housing. In 2018, formerly incarcerated people faced an unemployment rate of 27 percent. That's higher than the unemployment rate was for all Americans during the peak of the Great Depression. Having proper business attire may not solve the unemployment problem, but it can help former inmates get a foot in the door with potential employers. The New York nonprofit 100 Suits for 100 Men is committed to giving recently released men, women and gender non-conforming people a "boutique experience." Founded by Kevin Livingston, the organization has given out more than 13,200 suits since 2011, and more than 800 since the start of this year.
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Agri-tech start-up, Perfect Day, released a line of real ice cream made with lab-grown dairy that costs $20 a pint on Thursday — and it sold out in hours. Perfect Day’s cultured dairy is created by taking cow’s milk DNA and adding it to a micro-organism like yeast to create dairy proteins, whey and casein, via fermentation. Those dairy proteins are then combined with water and plant-based ingredients to create a dairy substitute that can be used to make ice cream, cheese, yogurt and a slew of other dairy products. [Co-founder Perumal] Gandhi ... says the dairy substitute is nutritionally identical to cow’s milk and tastes just like it. In fact, while Perfect Day Foods at least considers its product “vegan” and lactose-free (since lactose is a sugar found only in mammals’ milk), federal law actually requires them to put “contains milk” on any labeling because its protein is identical to cow’s milk on a molecular level and could cause allergies. Co-founder Rayan Pandya, 27, says the process to make the dairy is similar to what plant-based “meat” start-up Impossible Foods is doing using heme, a molecule in soy plants that’s identical to the heme molecule found in meat. Using heme, Impossible Foods is able to make its vegetarian meat substitute taste and feel like beef without using animals. The limited edition run of 1,000 three-packs of Perfect Day ice cream ... was the first and only product released by Perfect Day Foods (which has been working with the Food and Drug Administration since 2014) to drum up buzz.
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Wind turbines in Scotland generated 9,831,320 megawatt hours between January and June 2019, WWF Scotland said Monday. The numbers, which were supplied by WeatherEnergy, mean that Scottish wind generated enough electricity to power the equivalent of 4.47 million homes for six months. That is almost double the number of homes in Scotland. “Up and down the country, we are all benefiting from cleaner energy and so is the climate,” Robin Parker, climate and energy policy manager at WWF Scotland, said in a statement Monday. “These figures show harnessing Scotland’s plentiful onshore wind potential can provide clean, green electricity for millions of homes across not only Scotland, but England as well,” Parker added. By 2030, the Scottish government says it wants to produce half of the country’s energy consumption from renewables. It is also targeting an “almost completely” decarbonized energy system by 2050. As a whole, Europe is home to some of the world’s most ambitious wind energy projects. September 2018 saw the official opening of the Walney Extension Offshore Wind Farm in the Irish Sea. With a total capacity of 659 MW, it’s currently the world’s largest operational offshore wind farm and capable of powering nearly 600,000 homes in the U.K..
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Using the power of ocean waves, innovators from Boston, U.S., have developed a technology that can produce fresh water off-grid and without the costly infrastructure of desalination plants. This invention could help many of the 2.1 billion people around the world who struggle to access safe drinking water, most of those in low-income countries. The technology, Wave2O, was developed by start-up company Resolute Marine Energy. Chief Operating Officer Olivier Ceberio says it targets off-grid coastal communities in developing nations where a solution to persistent water shortages is urgently needed. Importantly, it fills a gaping hole between industrial-scale utilities that are costly and time-consuming to build, and micro-scale solutions for individual households. The only technology currently offered in between involves diesel-powered desalination systems. And Wave2O can be delivered competitively because it uses free energy from a consistent and inexhaustible renewable energy resource: ocean waves, says Ceberio. By eliminating the need for diesel generators, the invention not only saves money but reduces carbon dioxide emissions. Each 4,000 [cubic meter per] day plant that displaces an equivalently sized diesel-powered plant will cut CO2 emissions by 4,300 tons per year, explains Ceberio, the equivalent of taking 936 cars off the road or of the carbon sequestered by 2,070 hectares of forest.
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Three New York City police officers were working on the Fourth of July when they decided to stop by a Manhattan Whole Foods supermarket. The cops — now identified as Lt. Louis Sojo and Officers Esnaidy Cuevas and Michael Rivera — were on the way to grab a snack and cold drink in the store when security guards told them a woman was stealing food. The cops approached her to assess the situation. "I asked her, 'What's going on?' She told me she was hungry," said Sojo."So, I looked in her bag. I decided — we decided — to say 'We'll pay for her food.'" Sojo said the security guard was shocked by the kind response, but brought the officers over to the cashier to pay for the woman's food. "At that moment, she was extremely emotional," said Sojo. "She did thank us, but she was pretty much speechless at what happened." Sojo said the officers did not expect the good deed to receive so much positive attention and that they were "extremely humbled" by the response. He added that it isn't uncommon for officers to pay for someone's food. "You know, I've been doing this for 22 years. This is not the first time I've paid for food. This is not the first time they've paid for someone's food," he said referring to the two other cops."We don't go out and do it all the time, but, you know, when you look at someone's face and you notice that they need you, and they're actually hungry. It's pretty difficult as a human being to walk away from something like that. We weren't raised like that. So, it's the right thing to do."
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Go to your happy place. Take a deep breath and hold it in your mind's eye for a long, joyful moment. My happy place looks and feels ... like a cabin in the woods. Family and friends are there. I have everything I need to be fully connected. The kind of experience I'm describing is something of a national pastime in Norway. They even have a word that snugly wraps all these ideas up: "koselig." You could roughly translate koselig (pronounced "koosh-lee"), as "coziness," but that leaves out crucial components of it, like enjoying the company of others and a connection with nature. There's no direct English translation, but there are regional equivalents such as the Swedish "mys," the Dutch "gezelligheid" and the most well-known of these, the Danish "hygge." Hygge (pronounced "hoo-gah") [is] defined as "a quality of coziness and comfortable conviviality that engenders a feeling of contentment or well-being." It's that well-being part that gives us reason to replicate koselig ... even as the research slowly confirms what those cold, northern happiest countries have known for a long time: Darkness and isolation can be celebrated because they provide the need for their relief. The act of creating our own light and warmth produces peace and contentment. The case for koselig as a health practice seems obvious. You already know how it feels to be cozy, or in nature, or with friends. Social connections give our life purpose, and ... anything that decrease stress ... has numerous mental and physical health benefits.
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Bystanders will intervene in nine-out-of-ten public fights to help victims of aggression and violence say researchers, in the largest ever study of real-life conflicts captured by CCTV. The findings overturn the impression of the "walk on by society" where victims are ignored by bystanders. Instead, the international research team of social scientists found that at least one bystander - but typically several - did something to help. And with increasing numbers of bystanders there is a greater likelihood that at least someone will intervene to help. A team of researchers from the University of Copenhagen, the Netherlands Institute for the Study of Crime and Law Enforcement and Lancaster University examined unique video recordings of 219 arguments and assaults in inner cities of Amsterdam (Netherlands), Lancaster (UK) and Cape Town (South-Africa). Lead author Dr Richard Philpot ... said: "According to conventional wisdom, non-involvement is the default response of bystanders during public emergencies. Challenging this view, the current cross-national study of video data shows that intervention is the norm in actual aggressive conflicts. The fact that bystanders are much more active than we think is a positive and reassuring story for potential victims of violence and the public as a whole." The research further showed that a victim was more likely to receive help when a larger number of bystanders was present.
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A breakthrough can come from the least expected - perhaps like an 81-year-old eccentric from Massachusetts who toiled in isolation with no financial support for more than a decade. His focus? A challenge that has stumped scientists for many years: how to transform inedible plant life into environmentally friendly transportation fuels in a clean and cost-effective way. 25 years ago, [Marshall Medoff] became obsessed with the environment and decided to abandon his business career and become an amateur scientist. "What I thought was, the reason people were failing is they were trying to overcome nature instead of working with it," [said Medoff]. He knew that there's a lot of energy in plant life. It's in the form of sugar molecules that once accessed can be converted into transportation fuel. The key word is "access." This sugar is nearly impossible to extract cheaply and cleanly since it is locked tightly inside the plant's cellulose. What's so tantalizing is that sugar-rich cellulose is the most abundant biological material on earth. Medoff's novel idea [was to use] machines called electron accelerators to break apart nature's chokehold on the valuable sugars inside plant life - or biomass. Machines like these are typically used to strengthen materials. Medoff's invention was to use the accelerator the opposite way - to break biomass apart. This process, Medoff's remarkable invention, releases plant sugars that he's now using to make products he claims will solve some of the world's most intractable problems.
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Four times a year, Northview Church asks its members to chip in to a Dollar Club as an object lesson in the power of community. This weekend the Dollar Club also delivered a lesson in the wacky world of medical billing. Using an organization called RIP Medical Debt, the church was able to leverage $20,000 in donations to wipe out $2 million of unpaid medical bills for 2,500 Hoosier families. Founded five years ago, the New York-based organization has eliminated more than $675 million in medical debt for more than 200,000 people. RIP Medical Debt targets families most in need, those who are twice the federal poverty level or who carry debts that are 5% or more of their annual income. The process works in large part because of the structure of medical debt, experts say. “Medical debt has fairly low recovery rates and the amount of money that collectors are willing to sell this debt for is pennies on the dollar,” said Neale Mahoney, a professor of economics at the University of Chicago. The high cost of health care has led to rampant medical debt. About 43 million Americans owe about $75 billion in medical debt, according to RIP Medical Debt, and medical debt plays a role in more than 60 percent of all bankruptcies. As a member of Northview Church, Lisa Sole has been on both the giving and receiving side of the Dollar Club. Sole, now 53, never hesitated to donate when asked. Having gone through a medical crisis herself, Sole said she can only imagine what erasing someone’s medical debt could mean.
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According to a new report by the International Renewable Energy Agency (IRENA), unsubsidized renewable energy is now most frequently the cheapest source of energy generation. The report finds that the cost of installation and maintenance of renewables, which was an important stumbling block to mass adoption, continues on a downward trajectory. These new statistics demonstrate that using renewable energy is increasingly cost-effective compared to other sources, even when renewables must compete with the heavily-subsidized fossil fuel industry. These lower costs are expected to propel the mass adoption of renewables even further. Among other findings the IRENA report highlights that: Onshore wind and solar PV [photovoltaic] power are now, frequently, less expensive than any fossil-fuel option, without financial assistance. New solar and wind installations will increasingly undercut even the operating-only costs of existing coal-fired plants. Cost forecasts for solar PV and onshore wind continue to be revised as new data emerges, with renewables consistently beating earlier expectations. Further data from REN21's Renewable Global Status Report show that over one fifth of global electrical power production is now generated from renewables. Promising signs in the IRENA report show that ... an increasing number of corporates are entering the renewable energy industry ... meanwhile more than 10 million people are now employed in the global renewable energy industry.
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There is something different, and a little special, about Universo Santi, a restaurant in the southern Spanish city of Jerez. People dont come here because the staff are disabled but because its the best restaurant in the area. Whatever reason they came for, the talking is about the food, says Antonio Vila. Vila is the president of the Fundacin Universo Accesible, a not-for-profit organisation dedicated to helping people with disabilities join the mainstream workforce. He has also been the driving force behind Universo Santi, the haute cuisine restaurant whose 20 employees all have some form of disability. I always wanted to show what people with disabilities, given the right training, were capable of, says Vila. I feel really lucky to be part of this, says Gloria Bazn, head of human resources, who has cerebral palsy. Its difficult to work when society just sees you as someone with a handicap. This has given me the opportunity to be independent and to participate like any other human being. Alejandro Gimnez, 23, has Downs syndrome and is a commis chef. Its given me the chance to become independent doing something Ive loved since I was a kid, says Gimnez, who lived with his mother until he was recruited. Working here has transformed my life. So many things I used to ask my mother to do, I do myself. I didnt even know how to take a train by myself because Id just miss my stop. Since it opened in October 2017, Universo Santi continues to win plaudits for its cuisine.
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The revolution in renewable power hit a new milestone in April. Last week the Federal Energy Regulatory Commission (FERC) released it's latest Energy Infrastructure Update (EIU), with data through April 2019. According to ... the non-profit SUN DAY Campaign, which analyzed the data, "that was enough to push renewable energy's share of total available installed U.S. generating capacity up to 21.56%. By comparison, coal's share dropped to 21.55% (down from 23.04% a year ago)." Of course it's important to note that capacity doesn't equal generation. Coal still generates more electricity than renewables. But, the trends indicate it's just a matter of time before that picture changes as well. But it is natural gas that is still the king of generation. Although renewable capacity additions are forecast to be well ahead of natural gas additions through 2022, it is likely that natural gas will continue to be the top source of U.S. power for quite some time. The EIU indicates that natural gas now represents 44.44% of total installed capacity. Because of the higher capacity factors for natural gas-fired generation, Energy Information Administration data show that natural gas provided 36% of U.S. power over the past 12 months, well ahead of coal's 27%. Further, the share for natural gas has grown in recent years, while that of coal continues to decline. But given the current trends, it won't be long before renewables supply the largest share of U.S. power.
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On Sunday night, Ali Stroker became the first person who uses a wheelchair to win a Tony Award. “This award is for every kid who is watching tonight who has a disability, who has a limitation or a challenge, who has been waiting to see themselves represented in this arena — you are,” Ms. Stroker said while accepting her statuette for her role as Ado Annie in the Broadway revival of the musical “Oklahoma!.” Ms. Stroker, a 31-year-old New Jersey native who lost the use of her legs in a car accident when she was 2 years old, also thanked her parents “for teaching me to use my gifts to help people.” Ms. Stroker accepted the award, for best featured actress, shortly after dazzling the audience with her saucy performance of the “Oklahoma!” song “I Cain’t Say No.” “I find it to be fascinating that often people don’t think I can dance,” she said. “Who says that dance isn’t turning on wheels? Who says dancing isn’t throwing your arms up in the air and grabbing someone else’s arms to be propelled across the stage?” She also spoke about what it is like to aspire to succeed in an industry where people with disabilities are not represented. “I’m very aware that when I was a little girl I wasn’t seeing anybody like me, and on days when I’m exhausted or discouraged about something, that lights a fire,” she said. “I hope that for young people in chairs who feel that this is too hard, that they see that being in a chair is like getting a secret key to an unknown door — that they ... are reassured that anything is possible.”
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The 19th Amendment to the United States Constitution, guaranteeing American women the right to vote, celebrates a big birthday on Tuesday, as it was passed by both chambers of Congress 100 years ago on June 4, 1919. According to the National Archives, the House of Representatives first passed the amendment on May 21, 1919, and two weeks later, on June 4, the Senate followed with a vote of 56 to 25. The next year, following approval by three-fourths of state legislatures, the amendment was ratified into the Constitution. The opening of the Amendment's text reads, "The right of citizens of the United States to vote shall not be denied or abridged by the United States or by any state on account of sex." Since the 19th Amendment's passage, women have helped inaugurate a new era of American politics. In fact, many historians can point a clear line from the passage of the 19th amendment to the passage of Civil Rights legislation in the 1960s and the current movements seeking to offer greater federal protections for gay and transgender Americans. The 19th Amendment emerged out of the Progressive Era in American politics, a period of increased social activism and economic reform during the first two decades of the 20th century. Suffragists like Jeannette Rankin, the first female member of the House of Representatives, brought greater attention to the rights of women. Certain states like California, Washington and Arizona passed their own legislation granting women either full or partial suffrage in the early 1910s. Wyoming was the first to do so in 1869, when it was still a territory.
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In 1965, Poppy Northcutt was the only female engineer at NASA’s Houston Mission Control. As she gazed at the men around her she thought to herself, I’m as smart as they are. Although she belonged among them, it was undeniably difficult to be the only woman in what sometimes felt like the domain of men. As isolated as Northcutt felt in the historic control center, she was one of thousands of women who began their careers at NASA as computers. It was a job created before the advent of electronic machines, when human aptitude was required to perform all the mathematical calculations needed for experiments. Women have historically filled these positions, as exemplified by the groups of female computers who worked at the Harvard Observatory and the Royal Observatory Greenwich in the late 1800s. At NASA, these women came from all over the world, working at centers across the United States, and comprising a diverse and potent force in space exploration. Their calculations would ultimately be responsible for sending astronauts to the moon. Unlike Northcutt, Sue Finley noticed the ubiquitous presence of female employees when she started work at the Jet Propulsion Laboratory in Pasadena, CA. Not only was her supervisor a woman, but all of her coworkers in the computing section were as well. Finley, who started in 1958, before NASA’s formation, is still working for the space agency today. At age 83 and with a career spanning six decades, she is NASA’s longest serving female employee.
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Pope Francis on Sunday asked forgiveness in the name of the Catholic Church for the mistreatment of the Roma people. Francis made the comment during a meeting with Roma people at the last event of his three day trip to Romania, saying his heart was made “heavy” by the meeting. “It is weighed down by the many experiences of discrimination, segregation and mistreatment experienced by your communities. History tells us that Christians too, including Catholics, are not strangers to such evil,” he said. With an estimated population of 10-12 million, approximately six million of whom live in the European Union, Roma people are the biggest ethnic minority in Europe and rights groups say they are often the victims of prejudice and social exclusion. A Roma youth, Razaila Vasile Dorin, told reporters: “It’s an honor that a person like the pope comes to our community. We are proud. It’s important that the pope is asking forgiveness. There is racism in every country. When we go out everyone looks at us and we don’t like that. I am proud to be a gypsy.” Earlier on Sunday, the pope said a Mass for some 100,000 people during which he beatified seven Communist-era bishops of the Eastern Rite Catholic Church who died in prison or as a result of their harsh treatment during Romania’s communist era. “(The bishops) endured suffering and gave their lives to oppose an illiberal ideological system that oppressed the fundamental rights of the human person,” Francis said.
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