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Become a CFP® Professional and Be Part of a Growing and Diverse Profession

(NewsUSA) - Today, October 4, marks World Financial Planning Day, a time to recognize the value of financial planning. Did you know that financial planning is not just a valuable resource for consumers? It’s also a great career choice offering competitive salaries and flexibility.

But it's not just the financial rewards and personal freedom that make this profession attractive. In today's job market, people seek more than just a paycheck; they look for an industry committed to diversity and inclusion. That's precisely what you'll find when you become a CERTIFIED FINANCIAL PLANNERprofessional. You'll be part of a profession dedicated to creating inclusive environments for people from diverse backgrounds, while also offering ample opportunities for professional growth.

The financial planning profession is rapidly expanding. Many financial planners are approaching retirement just as the demand for personalized financial guidance is increasing. The U.S. Labor Department reports that jobs in financial planning are expected to grow faster than average, at a rate of 15% through 2031. Even better, U.S. News & World Report ranked financial advisor as the sixth Best Business Job in 2023.

Recruiting a Diverse Workforce

In response to this projected growth, CFP Board is actively working to strengthen the financial planning talent pipeline, focusing on attracting women and racially and ethnically diverse candidates to pursue CFP® certification. CFP® professionals serve an increasingly diverse client base, and they should reflect the broadest spectrum of talent and experience. CFP Board Center for Financial Planning has launched several initiatives to support growth of the talent pipeline and foster diversity and inclusion, including scholarships and the annual Diversity Summit.

These initiatives helped lead to the most diverse class of new CFP® professionals in history last year, with nearly 30% being women and nearly 15% coming from racially and ethnically diverse backgrounds. In addition, more than half of all new certificants are under 35 years old. These statistics highlight an inclusive profession that welcomes and empowers your success with the necessary resources.

Obtaining your CFP® certification means joining a profession that actively pursues inclusivity, offering a wide range of career opportunities and financially rewarding positions. Begin your journey toward success today.

BRINGING SATELLITE COMMUNICATIONS DOWN TO EARTH: A LOOK INSIDE THE CONNECTIVITY ECOSYSTEM

(NewsUSA) - Satellite technology has evolved significantly since the launch of the world’s first satellite on October 4, 1957. Since then, satellites have become a prominent topic of discussion in the news, with launches occurring weekly in the hopes of advancing communication methods for future generations. Satellites have numerous capabilities, including providing new pathways for consumers and businesses and opening the door for emerging technologies such as direct-to-device functionality.

Today, satellites have countless use cases, providing individuals with anything from GPS navigation in their cars and internet connectivity at home, to providing military personnel communication options on the battlefield and first responders the ability to communicate with essential services amidst an emergency or natural disaster. Satellites are crucial for staying connected, as they provide individuals beyond the reach of cable and fiber connectivity with necessary communication and fill the void of technologies that are exiting the market such as 3G and digital subscriber lines (DSL).

When considering the satellite industry holistically, three main satellite types provide the common connections and services the world is most familiar with:

Geostationary Orbit

Sitting 22,000 miles in the sky, satellites in geostationary orbit (GEO) are the workhorses of the connectivity ecosystem. GEO satellites rotate at the same speed as the Earth, staying over the same location and beaming coverage over entire continents. This makes them extremely efficient and able to deliver more bandwidth at a lower cost– making them perfectly suited for common consumer internet uses like surfing the web, sharing large files, watching videos or connecting multiple devices. Most recently, Hughes, the leading provider and inventor of satellite internet, launched JUPITER™ 3, the largest commercial communications satellite ever built. This satellite is uniquely engineered to meet customers’ needs and can target capacity where it’s needed most, such as rural regions of the Americas. This provides customers with more data and higher speeds so they can stay connected to the applications and services they depend on every day.

Medium Earth Orbit                                                                                                                                    

Satellites in Medium Earth Orbit (MEO) sit 3,000 to 12,000 miles above the Earth and specialize in covering areas far from the equator. MEO satellites are often used to power global navigation and other satellite systems. Newer MEO satellites can deliver more bandwidth and support some lower latency applications.

Low Earth Orbit

Satellites in Low Earth Orbit (LEO) are closest to the Earth out of all three, with some only 300 miles above the ground. LEO satellite constellations can provide global coverage across oceans, mountains, and even the North and South Poles. Due to their close position to the Earth, it takes LEO satellites less time to send a signal back and forth to a user on the ground. This reduces the signal delay called latency and makes LEO satellites useful for supporting applications such as financial transactions, online video games and virtual private networks.

Every type of connectivity has relative advantages – and no one form of connectivity is going to be the single best solution for all use cases. For people who live outside the reach of cable, and where a wireless signal is too weak for a fixed service, you can now complement a satellite connection with a wireless signal to deliver the best of both – high speed and low latency. For example, Hughes recently launched HughesNet Fusion® plans, which combine satellite and wireless technologies to deliver a high-speed, low-latency, reliable and more responsive internet experience.

Meeting the growing demand for connectivity will take every kind of transport – across LEO, MEO and GEO as well as terrestrial options here on Earth. As satellites continue to stand strong as the backbone of the world’s connectivity ecosystem, smart enabling technologies will be key in integrating these tools to connect people in ways never thought possible.  

Reconociendo la resiliencia hispana: El transcurso de una paciente con estenosis aórtica y lecciones vitales para recordar

(NewsUSA) - Conozca a Julia García, una mujer de 74 años, amada esposa y cariñosa abuela de varios nietos. Su vida ha estado profundamente marcada por su inquebrantable dedicación y afecto al trabajo con niños. Sin embargo, la vida de Julia dio un giro inesperado cuando empezó a experimentar síntomas preocupantes. Le costaba caminar, la fatiga era constante, levantar objetos pesados se convirtió en un reto y los mareos se hicieron demasiado familiares.

JuliaPreocupada por estos síntomas, Julia no tardó en buscar atención médica. A pesar de las múltiples consultas que la llevaron a puntos muertos y a varios diagnósticos erróneos, su perseverancia dio sus frutos cuando finalmente fue remitida a un cardiólogo. Tras un examen exhaustivo, el cardiólogo hizo un descubrimiento importante: la válvula aórtica de Julia, la principal válvula que controla el flujo de sangre que sale del corazón y suministra sangre oxigenada al sistema circulatorio, estaba gravemente dañada y casi cerrada. Esta valvulopatía cardiaca tan común se denomina estenosis aórtica y puede ser mortal si no se trata.

"Cuando empecé a sentir todos estos síntomas fue cuando me di cuenta de que no podía hacer las cosas que más me gustaban", dice Julia. "Estaba dispuesta a ir a donde fuera para recibir el tratamiento que necesitaba para volver a sentirme sana".

Tras evaluar sus opciones de tratamiento con su médico, Jorge A. Álvarez MD, Julia optó por someterse a una sustitución valvular aórtica transcatéter (TAVR), un procedimiento mínimamente invasivo para sustituir su válvula aórtica. El TAVR es menos invasivo que la cirugía a corazón abierto y suele durar menos de una hora.

"Tras consultar con Julia, llegamos a la conclusión de que el TAVR sería lo más adecuado para ella", afirma el Dr. Álvarez. "Confío en que, con el tiempo, podrá resumir todas las actividades que le gustan".

La estenosis aórtica es una de las cardiopatías valvulares más frecuentes y sigue aumentando con la edad.1 La estenosis aórtica grave sintomática puede ser mortal si no se trata. En Estados Unidos, las minorías raciales están infrarrepresentadas entre los pacientes sometidos a TAVR, y las estadísticas muestran que sólo el 3,4% de los hispanos se someten a esta intervención.2 La historia de Julia es un ejemplo inspirador de persistencia y defensa de sus derechos. Con el apoyo inquebrantable de su familia y de su equipo cardiológico, logró obtener el diagnóstico y el tratamiento correctos, lo que es especialmente digno de mención en un momento en el que los grupos raciales y étnicos minoritarios siguen estando infrarrepresentados entre los pacientes que se someten a TAVR.2 Su experiencia revela la importancia de concienciar sobre la estenosis aórtica y de garantizar un acceso equitativo a los procedimientos que salvan vidas para todas las comunidades.

¿Qué es la estenosis aórtica?

La estenosis aórtica grave impide que las valvas de la válvula aórtica se abran y cierren correctamente. Esto hace que el corazón tenga que trabajar más para bombear sangre al resto del cuerpo. Una válvula enferma afecta a su salud y limita sus actividades cotidianas.

Los síntomas de la estenosis aórtica grave son, entre otros

  • Dolor en el pecho
  • Mareos
  • Fatiga
  • Dificultad para respirar
  • Latidos irregulares

¿Quién está en riesgo?

La estenosis aórtica afecta predominantemente a la población de edad avanzada debido a la cicatrización y a la acumulación de calcio en la cúspide (aleta o pliegue) de la válvula.1

¿Qué es el TAVR?

El TAVR es un procedimiento mínimamente invasivo para sustituir la válvula aórtica en pacientes con estenosis aórtica grave. El TAVR es menos invasivo que la cirugía a corazón abierto, y la intervención suele durar alrededor de una hora. Su equipo cardiológico determinará si debe recibir un sedante suave o anestesia general.

¿Cuáles son los beneficios de la TAVR?

Tras la intervención, muchos pacientes de TAVR informan de beneficios como:

  • Tener más energía
  • Respirar con normalidad
  • Sentir menos dolor
  • Sentir menos síntomas
  • Sentirse menos ansioso
  • La mayoría de los pacientes se pueden cuidar mejor de sí mismos y regresar a sus actividades cotidianas.

¿Cuáles son los riesgos del TAVR?

Los riesgos de la TAVR pueden incluir, pero no limitarse a muerte, ataques de apoplejía, daños en las arterias, hemorragias y necesidad de un marcapasos permanente.

Si usted o un ser querido tienen preguntas sobre el TAVR u otros dispositivos cardíacos implantados, visite www.medtronic.com/TAVR.

Autistic Air-Crash Investigator, Unexpected Heroine, Sets Tone for Lauded Political Technothrillers

(NewsUSA) - Buchman authorHe’s written more than 70 books and is drawing heavy praise for his recurring female protagonist, an autistic who made herself into a genius air-crash investigator. In Miranda Chase, author M.L. Buchman has given readers a most compelling lead character in his fast-growing series of political technothrillers.

Publishers Weekly compares Buchman’s work to that of the iconic Tom Clancy, stating Clancy’s fans will “clamor for more.” Fresh Fiction says, “He has catapulted his way to the top tier of my favorite authors.” Adds Kirkus Reviews, “I knew the books would be good, but I didn’t realize how good.”

And as for Miranda Chase, author Ernest Dempsey calls her “one of the most addicting, compelling, fascinating characters in any genre.”

In OSPREY, Buchman’s 13th and most recent book in the Miranda Chase series, Russia teeters on the brink of collapse, spoiling for a battle to end all wars. All it needs? One thin excuse.

A close fly-by of an American CMV-22 Osprey tiltrotor goes desperately wrong over the North Sea. Will the tipping point for World War III break the moment a favored daughter of the Oligarchy goes down in flames?

When the NSA’s secret military base at Menwith Hill in the UK needs specialized expertise, they call in Miranda Chase. She and her elite team of air-crash investigators must avert a crisis like none before – a crisis that unravels her past, batters at her autism, and threatens to crush her team in the ultimate grinder of East vs. West.

Miranda understands military planes, but not people. And the conspiracies that threaten her team? She doesn’t understand them at all. Yet, she’s the woman fighting the battles no one else can win.

Buchman 1Buchman 2OSPREY follows the recent release of Buchman’s NIGHTWATCH, another Miranda Chase political technothriller in which a Chinese freighter is attacked and a sabotaged passenger jet crashes in Quebec. And high overhead, an E-4B Nightwatch, America’s fortress-in-the-sky, sees all. With nations shifting to high alert, Miranda lands once more in the midst of the fray.

Where does Buchman get his ideas? “I look at the world around me and ask a few basic questions. What scares me? What do I wish I could understand better? What do I wish I could change? There are a thousand things around us that need fixing, that need care. Every one of them contains story.”

Buchman started his first novel while flying from South Korea to ride across the Australian Outback. All part of an around-the-world bicycle trip (a midlife crisis on wheels) that ultimately launched his writing career. His true loves are military romantic suspense and political technothrillers. He has designed and built houses, flown and jumped out of airplanes, and consulted in IT to the Fortune 100.

For an author who continues to take the political technothriller genre by storm, read M.L. Buchman’s OSPREY and NIGHTWATCH, both available on Amazon and other popular retail outlets wherever books are sold. To learn more, visit www.mlbuchman.com.

La Oficina del Defensor aboga por condiciones seguras y humanas para todos los inmigrantes detenidos

(la Oficina del Defensor de Inmigrantes Detenidos) - La Oficina del Defensor de Inmigrantes Detenidos (OIDO) está aquí para ayudar a la comunidad de inmigrantes detenidos. La OIDO, una oficina independiente del Departamento de Seguridad Nacional (DHS) de EE. UU., se dedica a promover y apoyar condiciones seguras y humanas para las personas detenidas por motivos de inmigración. Como única entidad de supervisión del DHS centrada exclusivamente en la detención de inmigrantes, la OIDO cuenta con personal que visita regularmente las instalaciones para hablar con los detenidos sobre sus inquietudes. La Oficina también realiza inspecciones, ofrece recomendaciones y propone soluciones para mejorar las condiciones de detención de los inmigrantes.

La OIDO cuenta con un equipo de expertos médicos que evalúan los casos individuales y asesoran sobre cuestiones sistémicas y políticas. El equipo está formado por asistentes médicos, enfermeros titulados, psicólogos y farmacéuticos que trabajan junto a los administradores de casos e investigadores de OIDO.

La OIDO adopta un enfoque neutral para observar y analizar los asuntos relacionados con las condiciones de detención de inmigrantes, al tiempo que destaca los problemas de tratamiento de forma oportuna. La OIDO se basa en las inspecciones anunciadas y no anunciadas de un equipo de investigadores dedicados que visitan centros de detención tanto administrados por el gobierno como contratados de forma privada en todo el país. La Oficina también coloca administradores de casos en los centros de detención de todo el país para gestionar quejas que van desde necesidades físicas como el acceso a mantas, cepillos de dientes y mejoras en la calidad de la comida, hasta garantizar que los centros de detención ofrezcan acceso suficiente a personal médico, zonas de videoconferencia y bibliotecas jurídicas.

Cuando se recurre a la OIDO para que ayude con asuntos que requieren atención inmediata y que no han sido resueltos por el Servicio de Aduanas y Protección de Fronteras (CBP) de EE. UU. o el Servicio de Inmigración y Control de Aduanas (ICE), la OIDO puede llamar la atención adicional sobre estos asuntos.  Su trabajo puede dar lugar a una recomendación formal de mejora al Secretario del DHS, Alejandro Mayorkas, y al Congreso.

El año pasado, la OIDO emitió una Alerta al Defensor en relación con la falta crítica de personal médico de un contratista independiente en la frontera suroeste. Los expertos médicos de la OIDO colaboraron con la Oficina del Médico Jefe del CBP y con la Oficina de Servicios de Salud del DHS para abordar las deficiencias de la atención médica en todo el país, lo que se tradujo en índices de dotación de personal que han aumentado un 100% a nivel nacional este año.  Tras una minuciosa investigación, el informe final, Análisis de la OIDO: Contrato de apoyo médico del CBP para la frontera suroeste y Tucson (OIDO Review - CBP Medical Support Contract for Southwest Border and Tucson), se publicó en julio.

Cuando se levantó el Título 42 en mayo, la OIDO movilizó personal a la frontera sur y estuvo presente en muchos emplazamientos de la Patrulla Fronteriza, al tiempo que continuaba con su labor habitual de supervisión en los centros de detención de inmigrantes. “La OIDO está comprometida con garantizar las mejores condiciones posibles para quienes se encuentran en nuestro sistema de detención de inmigrantes”, declaró el Defensor de Inmigrantes Detenidos interino, David Gersten. “Posicionamos a los administradores de casos y a los investigadores de todo el país para que tengan un acceso fácil a las instalaciones del ICE y del CBP, lo que nos permite resolver los problemas de detención de forma proactiva y lo más rápidamente posible”.

Los altos directivos de la OIDO también participaron en estas observaciones. Un área de enfoque crítica fue el cuidado de los niños no acompañados y de las familias, junto con las instalaciones adecuadas, la higiene, el acceso y la calidad de los alimentos y el agua, el acceso a los servicios jurídicos y el manejo de los bienes personales.

Las personas detenidas deben sentirse seguras sabiendo que solicitar ayuda a un administrador de casos de la OIDO no afecta a su estatus migratorio. Deben empezar por pedir hablar con un administrador de casos de la OIDO en su centro o hacer que un representante rellene un Formulario de admisión de casos para cualquier asunto relacionado con su bienestar que no haya sido tratado.

En un caso reciente, un detenido solicitó ayuda a un administrador de casos de la OIDO, afirmando que no se le permitía acceder a la documentación relacionada con la inmigración que tenía en su poder cuando llegó por primera vez al centro. El individuo informó a la OIDO de que se habían hecho múltiples peticiones de los documentos, pero estos no habían sido devueltos. Según las Normas de Detención del ICE, los centros de detención de inmigrantes deben permitir a las personas detenidas acceder a su documentación legal personal. Con el apoyo del administrador de casos de la OIDO, que transmitió esta queja al personal del centro, el individuo recibió rápidamente su documentación.

Con la misión de servir como recurso neutral, objetivo y creíble para todos los afectados por la detención de inmigrantes, la OIDO seguirá identificando los procesos que no funcionan como deberían y trabajando para obtener resultados. Se estima que para finales de este año, la OIDO habrá abordado más de 20,000 casos sobre las condiciones de detención.

“Nuestro objetivo es seguir mejorando eficaz y rápidamente las condiciones en todos los centros de detención, al trabajar para mitigar los problemas y mejorar los procesos del ICE y el CBP”, dijo Gersten.

Para obtener más información sobre la OIDO o presentar una queja, visite DHS.gov/OIDO.

 

 

Ombudsman Office Champions Safe and Humane Immigration Detention Conditions for All

(the Office of the Immigration Detention Ombudsman) - The Office of the Immigration Detention Ombudsman (OIDO) is here to help the immigration detention community. OIDO, an independent office within the U.S. Department of Homeland Security (DHS), is dedicated to promoting and supporting safe and humane conditions for people being held in immigration detention. As the only DHS oversight entity solely focused on immigration detention, OIDO has staff who regularly visit facilities to speak with detained individuals about their concerns.  The Office also conducts inspections, provides recommendations, and proposes solutions to improve conditions in immigration detention.

OIDO has a team of medical experts that assess individual cases and advise on systemic and policy issues. The team is composed of physician assistants, registered nurses, psychologists, and pharmacists who work alongside OIDO’s case managers and investigators.

OIDO takes a neutral approach to observing and reviewing matters related to the conditions of immigration detention while calling attention to treatment issues in a timely manner. OIDO relies on announced and unannounced inspections from a team of dedicated investigators who visit both government-operated and privately contracted detention facilities throughout the country. The Office also places case managers within detention facilities across the country to handle complaints that range from physical needs such as access to blankets, toothbrushes, and improvements in food quality, to ensuring detention centers provide sufficient access to medical personnel, video conference areas, and law libraries.

When OIDO is called on to help with issues needing immediate attention that have not been resolved by U.S. Customs and Border Protection (CBP) or Immigration and Customs Enforcement (ICE), OIDO can call additional attention to these matters.  Their work can lead to a formal recommendation for improvement to DHS Secretary Alejandro Mayorkas and Congress.

Last year, OIDO issued an Ombudsman Alert regarding an independent contractor’s critical medical understaffing at the Southwest border. OIDO’s medical experts worked with CBP’s Office of the Chief Medical Officer and DHS’s Office of Health Services to address medical care deficiencies nationwide, resulting in staffing rates that have increased 100 percent nationally this year.  Following a thorough investigation, the final report, OIDO Review -- CBP Medical Support Contract for Southwest Border and Tucson, was issued in July.

When Title 42 lifted in May, OIDO surged staff to the southern border and was present at many Border Patrol locations, while continuing its regular oversight work at immigration detention facilities. “OIDO is committed to ensuring the best possible conditions for those in our immigration detention system,” said acting Immigration Detention Ombudsman David Gersten. “We position case managers and investigators across the Nation to have easy access to ICE and CBP facilities, enabling us to resolve detention issues proactively and as fast as possible.”

OIDO senior leadership also participated in these observations. One critical focus area was the care of unaccompanied children and families, along with appropriate facilities, hygiene, access to and quality of food and water, access to legal services, and the handling of personal property.

People who are detained should feel confident knowing that requesting assistance from an OIDO case manager doesn’t affect their immigration status. They should start by asking to speak with an OIDO case manager in their facility or having a representative complete a Case Intake Form for any issue related to their well-being that has not been addressed.

In one recent instance, a detained person requested assistance from an OIDO case manager, stating that he was not granted access to immigration-related paperwork that was in his possession when he first arrived at the facility. The individual informed OIDO that multiple requests for the paperwork had been made, but the documents had not been returned. According to ICE’s Detention Standards, immigration detention facilities must allow detained people to access their personal legal material. With the support of the OIDO case manager who relayed this complaint to the facility staff, the individual promptly received his documentation.

With a mission to serve as a neutral, objective, credible resource for everyone impacted by immigration detention, OIDO will continue to identify processes that are not operating as they should and work toward results. OIDO is on track to address over 20,000 cases about detention conditions by the end of the year.

“Our goal is to continue to effectively and swiftly improve conditions in all detention facilities, by working to mitigate problems and enhance processes for ICE and CBP,” Gersten said.

To learn more about OIDO or file a complaint, visit DHS.gov/OIDO.

 

CME Group Gives Last Call for Registration in 20th Annual University Trading Challenge

(NewsUSA) - CME Group, the world’s leading derivatives marketplace, is reminding students that registration in its 20th Annual University Trading Challenge will remain open until Thursday, September 28 at 5 p.m., Central Time.

This year’s University Trading Challenge kicks off on Sunday, October 1 and concludes on Friday, October 27. Undergraduate and graduate students from colleges and universities around the world will be competing on student-lead teams, or in cooperation with a faculty advisor, to see who can best manage a variety of environmental, economic and other marketplace risks to protect their mock investment portfolio.      

"As we celebrate the 20th anniversary of our University Trading Challenge program, we are extremely proud of the role we play in educating up-and-coming professionals on the significant impact risk management can have on the economy, as well as on businesses and individuals globally," said Anita Liskey, Global Head of Brand Marketing and Communications at CME Group. "Through this engaging and competitive trading simulation, thousands of students around the world have been able to compete against each other, while learning about futures markets and the importance of hedging."

During the month-long competition, students will experience the energy, excitement, disappointments and daily challenges of a real-world trading environment on a simulated, professional trading platform provided by CQG. They will also receive education, market-related data and news, including live updates from Dow Jones newsfeeds and The Hightower Report, that will test their abilities to evaluate and react to changing market dynamics in real-time.

Each eligible member of the winning team will receive a $2,000 cash prize*. Additional prizes will be awarded for second through fifth place.

Student participants will also have the opportunity to attend CME Group’s Day of Market Education. This one-day forum will provide them with an exclusive look into CME Group and the derivatives industry.     

More than 500 teams of nearly 2,000 students from 23 countries participated in last year's University Trading Challenge, with the winning team coming from Mexico's Universidad Anahuac UG. 

CME Group is committed to educating the next generation of finance professionals on the significance of global derivatives markets and risk management. In addition to interactive events like the University Trading Challenge, CME Group also partners with other industry organizations to offer broad educational tools, such as Futures Fundamentals, a one-stop educational resource that explains the role of futures markets in everyday life. The goal of the site is to make financial education an engaging experience for anyone, regardless of how well versed they are in the world of finance.

To register and view details on eligibility, rules, regulations and requirements, please visit: https://www.cmegroup.com/events/university-trading-challenge.html.

For social media updates throughout the competition, make sure to follow #TradingChallenge2023.

*Eligibility to receive competition prizes is only open to residents in the United States (US), Canada (CA) excluding Quebec, United Kingdom (UK), Germany (DE), Netherlands (NL), Switzerland (CH), Republic of Korea (KR), Taiwan (TW), and Japan (JP).

BookTrib's Bites: From Celebrations of Love to Revenge Stories

(NewsUSA) - We Never Knew of DarknessWe Never Knew of Darkness by Dennis Snyder

In April 1994, Hutu extremists—known as the Interahamwe —assassinated Rwanda's president and embarked on a campaign of ruthless genocide against the minority Tutsi populations. Elijah Mutabazi, a sergeant in the Rwandan army, finds his younger sister, having been gang-raped and slaughtered by teenage killers recruited by the Interahamwe. Elijah spends his every waking hour caring for his father and protecting their village.

 Upon returning to active military duty, Elijah learns that the international community had not come to aid those who survived the genocide, but ensured safe passage for the Interahamwe overlords. Elijah deserts his army post and enters a world of reckless abandon via heroin, psychedelics, and grain alcohol.

 Elijah's singular mission becomes vengeance against an active Interahamwe cell and its maniacal leader, who once served as a captain in the Rwandan Army and had been Elijah's mentor. Purchase at https://bit.ly/3QCVA2Y.

The SacrificeThe Sacrifice by Caroline Steiger

A chilling journey with a captivating storyline and well-developed characters, this novel will keep readers on the edge of their seats from beginning to end.

Spring Break. A rite of passage. A ritual. A must-do until everything turns on its side. A sociopath amid the revelry. The three J's, their ringleader John. Always together and never apart. The witnesses to his crime or accomplices, as he refers to them. "You did nothing to stop me," says John, and his friends are forever linked to him.

A sacrifice made to keep them from prison and their souls forever fractured. The Sacrifice is a psychological thriller spanning three timelines, three murders and souls forever bound by the carnage of their ill-fated spring break to the exotic Cancun in 1989. Purchase at https://bit.ly/44ByYmU.

Finding His Way HomeFinding His Way Home by Katie Mongelli

“A celebration of the most important aspects in our lives (family, love, friendship), which often get placed on back burners as we drive toward what we think we want,” says Elizabeth B. Splaine, author of Steel Butterflies.

Escape to the picturesque town of Pine Lake, where the weight of the world is washed away by the gentle lapping of crystal-clear waters. Zachary Hartmann, a man teetering on the edge of ruin, seeks solace amidst the tranquil embrace of this lakeside haven. Zachary yearns to rediscover himself and untangle the knots of his unraveling existence. However, fate has a different plan when he crosses paths with the captivating Missy Wagner. Her girl-next-door allure and an infectious spirit enchant Zachary, as he finds himself falling under her spell. Purchase at https://bit.ly/3Kq1xN4.

Two RoadsTwo Roads by Randy Wojnarowicz

An unforgettable, heartbreaking love story set in picturesque New England, where a family discovers, as Jean Baptiste Racine forewarned, "There are no secrets that time does not reveal!"

As Ray Shipman slips deeper into Alzheimer’s, he reveals a dark family secret that threatens to destroy the people he spent a lifetime protecting. Ray and his wife Allison face a reality they avoided since the first year of their marriage, forcing them to question whether their 50-year love story was real. Ray’s daughter Dorothy struggles to find the truth of who she really is and whether Ray is the loving father she adores—or a fraud

Two Roads takes readers on an emotional ride, seen through the eyes of three generations—as they grapple with their past, losing Ray, and an unimaginable tragedy no one sees coming. Purchase at https://bit.ly/3qwKAtC.

 

 

 

Where Are Prices Going Oil Price Forecast for Q4 2023

In an updated consensus by 37 economists and analysts, Brent crude is expected to average $86.15 from September through December 2023, a slight decrease from its current trading price of $86.70. This optimism results from the OPEC+ output cuts anticipated to counterbalance China's dwindling economic growth. Significantly, the plummeting global crude inventories hint at a constrained oil market. Experts foresee inventory tightening as the primary determinant of prices in the imminent months.
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