McCaffrey and Allen Enter The Record Books After Panthers’ Acrobatic Victory Over The Texans

0

Yesterday Christian McCaffrey, Kyle Allen, and the Carolina Defense led the Panthers to their second win of the season against the Texans.

Our defense was unrelenting against against a normally explosive offense, holding the Texans to just 264 total yards, star QB Deshaun Watson to just 160 passing yards, and WR DeAndre Hopkins to just 5 catches for 41 yards.

In spite of several sacks and fumbles, the offense still managed to score 4 times (1 touchdown and 3 field goals).

Perhaps two of the most impressive plays of the game on offense were Allen’s ninja duck against JJ Watt…

and McCaffrey’s juggle-catch on 3rd and 6 to just barely give the Panthers a needed 1st down;

Yesterday’s game also put both McCaffrey and Allen in the record books;

Here is a full recap of yesterday’s win against the Texans (skip to minute 8 to see what might be the greatest catch in the history of the NFL);

What did you think about yesterday’s victory over the Texans?

Oprah Winfrey Just Donated Over $1.15 Million To Charlotte Students

0

This past weekend, Oprah Winfrey shocked a Charlotte crowd when she announced a $1.15 million donation toward local scholarships in the United Negro College Fund.

The OWN network owner made the surprise announcement Saturday afternoon during her speech at Charlotte’s 17th annual Maya Angelou Women Who Lead Luncheon.

While she was speaking the running tally of the fundraiser was hovering just over $1.15 million. She suddenly made the shocking announcement that she would be matching the total of everything that was raised that day.

United Negro College Fund officials in Charlotte were hoping the event would raise at least $500,000 for local scholarships – with the surprise matching gift, that goal was more than quadrupled.

Oprah will be returning to Charlotte this coming January for a massive public event at the Spectrum Center.

Different Types of Funeral Plans and Their Shortcomings

0

Planning for your own funeral is never an easy decision. However, as is with most things in life, one must be practical and have the right measures in place. Today, we’re going to go over some of the different finance options you have when it comes to paying for your funeral. We will go over different policies, insurances, and trusts that you can opt for to ensure that all expenses for your funeral are covered.

Regardless of what path you choose, you should know that experts discourage the usage of the payment methods given under this article. We’ll be discussing the reasons for this negative opinion as well!

REVOCABLE TRUST

Under a revocable trust, you are under a legal obligation, by way of contract, to pay for your funeral’s projected cost in installments. A funeral director will have to be appointed as a trustee of the trust and will be responsible for making deposits of your installments into an interest-bearing account. Upon your death, the funds are withdrawn by the funeral director and are used to pay for your funeral.

WHOLE-LIFE POLICY

Just like any other policy, the subscriber will be paying regular periodic premiums. A beneficiary is named under the policy who shall receive the payout from the policy. The beneficiary is restricted to use the funds in accordance with the policy and solely for funeral expenses. Depending on the policy, the remaining amount could either transfer over to the estate and or be kept by the beneficiary. Depending on the state you live in, you may just have to nominate a funeral home director as the beneficiary rather than a family member or friend.

BURIAL INSURANCE

Under this policy, all costs of your funeral are covered and the beneficiary is allowed to use the death benefit however they choose. The restrictions that are found in whole-life policies are not found under burial insurance policies.

CRITICISM

There are many reasons why experts are skeptical and sometimes outright against such payment plans. The first reason is that the funeral home nominated under these policies and trusts could go out of business, effectively rendering these plans useless. Another reason is that the funeral home may lose its reputation over the years and, upon your death, your family may want to arrange your funeral at a more respectful place. However, they would be stuck as the terms of the policy or trust will have to be followed.

Economists have also stated that the pay-out from these trusts and policies are not significant when compared against the amount of premium one pays. Also, sometimes a certain time period has to lapse before the entitlement to the fund triggers. You could die a year after subscribing to a policy only to find out that you would be eligible for a payout after the five-year mark.

Also, if you happen to not make your family aware of any such arrangement, they could just end up paying out of pocket at another funeral home without knowing that there is money stored away for that very purpose.

Regardless of how one may feel about these options, ti is important to have some plan in place. If you consult an expert you could also find a policy that addresses all of the above criticisms. You could opt for a professional consultation service like NGLIC Funeral Preplanning to find out about any such plans.

Panthers, Hurricanes, Roval 400: The Best of North Carolina Sports on the Way

0

North Carolina is a proud sporting state that boasts several major and minor league sports teams, and hosts some of the biggest sporting events on the calendar. From now and over the next 12 months, one major event and two of the state’s major league teams have a shot at bringing some memorable occasions home.

Following a season of fun, success, and sticking it to the doubters, the Carolina Hurricanes – sorry, the “Bunch of Jerks” – have a shot at building on their breakout season and bringing the Stanley Cup Playoffs back to Raleigh. At the end of September, the first elimination round of the 2019 NASCAR Monster Energy Cup Series playoffs comes to Charlotte, which is bound to bring an adrenaline rush to those attending. Then, there’s also the Carolina Panthers who, despite early season struggles, could sneak through and steal the NFC South.

Canes for the playoffs again?

One of the single greatest storylines of last season was the Carolina Hurricanes embracing Don Cherry’s label of them as a “Bunch of Jerks” and turning it into inspiration to bind the team and the fans. From the mighty defensive efforts to the Storm Surge, last year was a great year to be a Canes fan. The team has seen its share of turn around this offseason, with surprise hero Curtis McElhinney, as well as Calvin de Haan, Gregg McKegg, and Micheal Ferland leaving the team.

However, the Canes have brought in Erik Haula, Ryan Dzingel, James Reimer, Gustav Forsling, and Brian Gibbons to bolster the lines, and the team has a plethora of talent to bring into the NHL with the Charlotte Checkers claiming the Calder Cup last season. Last season, the team rode their momentum to the Conference Finals after qualifying through a wild card place. As noted by NHL betting tips experts Ghost Insights, if the young team continues to build, they could claim a place in the divisional places. After all, they were only one point off of the fading Pittsburgh Penguins last season.

Here comes NASCAR!

The 2019 Bank of America Roval 400 at Charlotte is one of the most exciting events on the motorsports calendar this year. Kicking off NASCAR’s playoff elimination rounds, this is the second-ever Monster Energy Cup Series race at the Roval layout.

Last season, an epic collision during the very last lap proved to be decisive with the leaders being taken out to shake up the order. This year, Martin Truex Jr. is favored to take the weekend having come so close to winning the inaugural Charlotte Roval race. He also leads in the points and wins column, boasting six victories through 2019 already.

Panthers might just pull it off

The Carolina Panthers have endured a tough start to the 2019 NFL season. Cam Newton has clearly been injured under center, finally succumbing to his foot injury, and the defense hasn’t been as sharp as it could have been at times. Their saving grace? Run CMC. Christian McCaffery looks primed to have another grand season, and given the Arizona Cardinals didn’t follow in the footsteps of the Tampa Bay Buccaneers by snuffing out the talented back, it’s safe to say that some defenses will give him the inch needed to burn them down.

Until Newton returns, it’ll be up to the likes of McCaffrey, Luke Kuechly, D.J. Moore, Greg Olsen, and Eric Reid to flex their star power and add to their first win of the season in Week 3. The iron is hot, so now is the time to strike, as the NFC South is in flux. The New Orleans Saints are without Drew Brees until around mid-season, the Tampa Bay Buccaneers are as inconsistent as ever, and the Atlanta Falcons’ seemingly scary offense can’t get going. Divisional rivals will continue to slip up, so if they can kick on from their first win, the Panthers might just slip into a playoff place.

There’s a lot to be excited about as North Carolinan sports fans, with NASCAR coming to Charlotte, the Hurricanes looking to break into the upper-echelons of the NHL, and Panthers in for a very exciting campaign.

Guerilla Poets Empowering Charlotte Communities Through The Arts

0

EncoreEvery fourth Saturday, Guerilla Poets host their monthly Encore: Open Mic series at The Last Word bookstore in north Charlotte. While open mics are common around Charlotte, Encore uses the arts to empower people to unite for change.

This diverse open-mic encourages people of all ages and backgrounds to come together and express themselves. Performers can share an international potluck of cultural dishes before show time, and free painting supplies are provided so everyone can get creative.

Encore is one of many free events organized by Guerilla Poets. Founded in December 2012, Guerilla Poets is a collection of artists dedicated to helping the community. The group offers free art programs across North Carolina, and even operates a United Kingdom branch.

Guerilla Poets founder Shane Manier said besides Encore, the group host two other open-mics. Free the Mic in South Charlotte gives poetry workshops before performances, and One Mic Stand in Kannapolis accepts donations for local charities.

Although only Encore is considered family friendly, Manier says performers strive to be considerate.

“If there’s any kids at any of our open mics we try to watch our language and things like that,” she said. “But, we do encourage strong themes, because the whole idea is to give people a platform to get free.”

Manier said events like open mics are usually where they recruit members. It was one open mic at a Lincolnton, NC café, which inspired her to create the group.

While reading her poem, “Sitting beside the fence with death and a pack of cigarettes,” an old man coming in for food noticed her. After she finished, the man threw his arms around Manier and tearfully thanked her for saving his life.

“He was like, ‘I was going to go home and kill myself, and I didn’t know you guys were doing this,’” she said. “‘I came in here and heard that, and I just want you to know that it really touched me, and I’m not going to now.’”

Seeing how poetry could affect people, Manier said she wanted to help others through the arts. After calling out on Facebook, she formed Guerilla Poets with four members. Like all members, she took a code name which reflected her work. She chose the alias Riot.

Originally a flash poetry mob, the group gradually shifted to community volunteering. Last year, they became a 501c art charity, and now have partnerships with organizations like Charlotte Art League and Arts & Science Council.

Most Guerilla Poets services revolve around youth outreach. Manier said one of their biggest projects is Vibrations, a monthly art exhibit at Charlotte Art League. It features artwork from at-risk teens in their workshops with the Mecklenburg County Juvenile Detention Program, TYM, Inc., Time Out Youth and Crisis Assistance Ministries. All art sale proceeds go directly to artists.

Guerilla Poets

She says the event shows teens what they’re going through is temporary, and the city is willing to support them. Working with teenagers is something Manier wanted to do ever since her own rough teen years.

Due to her father’s work, she was raised traveling. Growing up on the road exposed her to things most kids couldn’t relate to. She saw how corrupt the world was, and began to struggle after her fathers’ sudden death. Unfortunately, she never received the right kind of help.

From an early age, she used writing and drawing to talk about her experiences. However; she didn’t truly become involved until realizing how the arts could touch people.

Guerilla Poets members often share their talents with youths. This summer, they gave free art workshops at West Boulevard Library, through Arts & Science Council’s Culture Blocks program. These all-ages classes took place the first Saturday of the month, and will resume in November.

Tarik Kiley says his workshop, History of Hip-Hop Thought, covers hip-hop’s development from the early ‘70s to mid-2000s. From Gil Scott-Heron to Migos. Kiley, who goes by Mixed Thoughts, has been involved since the beginning, and has a long musical history.

Originally from Baltimore, he learned Afro-Cuban music in high school, and began producing beats for friends. At 18, he moved to Charlotte. Unable to start a band, he started writing his own raps. He met Manier and another original member while freestyling at open mics.

“I went to an event in NoDa were she and he were performing. I was so impressed,” said Kiley. “Shane was so humble, she was so open to other people’s ideas that I asked her if I could join.”

The group was a perfect place for Kiley, who has years of volunteer experience working with charities like Hands on Charlotte. His community networking connected them to Culture Blocks.

Kiley wants to expand their music outreach and teach more. He created his workshop after substitute teaching at Charlotte-Mecklenburg Schools, and seeing rapping students ignorant of its history. By better understanding hip-hop, he hopes students will improve their craft.

Darwan Pursoo says he’s learned a lot from the students in Kiley’s workshop. Teaching is new to Pursoo, who said before Guerilla Poets, all he focused on was promoting his music.

A life-long rapper, he first got hooked listening to mid ‘90s acts like Bone Thugs and Harmony and Tupac. He started rapping during middle school in Huntington, West Virginia, and began releasing music once he came to Charlotte three years ago.

New to Charlotte, and looking for friends with similar interest, he attended a Guerilla Poets open mic. That’s where he met Manier. The two bonded, and she told him about the group. Within a few months, he ended up joining.

Pursoo, aka Nitewing, said Guerilla Poets made him perform with the mentality of giving back. He’s taught at juvenile teens workshops, and read poetry to the elderly. He says volunteering taught him about different cultures throughout Charlotte.

“There’s a huge difference, I’d say, between knowing about stuff like LBGT community, and then going to a session where you actually hear them do poetry, and you hear their issues directly from them,” he said.

gp-2

Other members say being in the group has changed them. Daniel Gurley said helping children, and seeing their innocence and potential reminded him of his own humanity.

Gurley, or Versifier, learned about the group through Manier. When not volunteering, he plays guitar and m.c.’s at open mics. He wasn’t always comfortable sharing his skills. At first, he felt anxious about interacting with the community, but learned to use his strengths to help others.

He hopes they will help more with homeless supportive housing, and start a garden program. As a country boy raised to garden by his father, Gurley says he knows it would benefit city kids.

“I mean, the city’s like concrete, and hard. Metallic,” he said. “I think if a lot of, especially youth, if the youth can see nature more often they would be able to reconnect, or connect with something bigger than themselves.”

Currently, the group is in the process of restarting Save the Humans, a self-sustainable farmland project. Manier says they try to tailor programs where the need is, and believes two problems with the arts, and community should be addressed.

She says there is a staleness in the arts and a renaissance must occur. Artist must thrive together creatively, instead of competing against each other.

In neighborhoods like west Charlotte, she said people must see the need for groups like Guerilla Poets. She says all the negativity in the world and in the media makes people feel unable to change things. Through art, she wants to inspire them to think differently.

Guerilla Poets

“If you show somebody that they’re not powerless then that goes away,” she said. “Everyone really, deep down, they do care. It’s just, they’re frustrated, and they feel powerless. And once you show them that they’re not, their entire life starts to change.”

She said Guerilla Poet has been amazing, and is surprised with its growth. One reason for that, she says, is its passionate members. The UK branch started when a famous punk band associated with ex-member Joshua Bartley, codename Agent Orange, shouted them out in a podcast. British poets soon began contacting the group, asking how they could do something similar.

Having Guerilla Poets in her life showed Manier that people from different ages, different cultures and different beliefs can come together to do good.

“Everybody does incredible work together, create such incredible things together,” she said. “It really makes me believe in the whole, people can co-exist. As long as you strip off this other manipulation and these other things, and it’s really beautiful.”

For more information on Guerilla Poets events, visit their Facebook page; https://www.facebook.com/guerilla.poets.founders/, or go to their website; http://guerillapoets2012.wixsite.com/guerillapoets to contact them.

NC Senate Wants High Schools to Make Personal Finance Classes Mandatory

0

States across the country are pushing to have personal finance added to the mandatory curriculum for high school students. Pennsylvania lawmakers have made the push this week, but North Carolina lawmakers made the push in mid-summer.

The NC state Senate voted 42-3 on a bill that would require high school students across the state to complete a personal finance class to be able to graduate.

The class would cover the true cost of credit, car loans, mortgages, credit scores and college loans. Lawmakers across the country want to better prepare students for their financial future by helping students better manage their money. 

“Individuals often cause significant damages to their financial lives in their younger years. The damage can be extensive,” explains Scott Langdon of Money Task Force.

Mandatory personal finance would help students avoid the personal loan trap that 35% of millennials mark as their biggest financial milestone. Student loan debt has soared, and many of these students will end their college education with over $40,000 in debt to repay. 

Senator Jay Chaudhuri championed the finance class and pushed for it to be a standalone class. The amendment was rejected by backers.

Teachers have come out against the bill, with social studies teachers lodging the most complaints. Social studies teachers claim that personal finance is already taught in civics class and claim that the issue is deeper than understanding finances. One teacher claims that systematic issues, such as lack of living wages and benefits, are the real issue and not lack of personal finance knowledge.

Nationwide, nineteen states have pushed for financial literacy in schools, up from 13 in 2011. These schools require that their students pass a personal finance class to obtain their high school diploma.

NC teachers are concerned that the addition of a personal finance class will push out classes on U.S. history to make room for a new personal finance class. Students are required to pass four social studies classes to graduate: Civics and Economics, World History, American History 1 and American History 2.

The personal finance requirement would prevent the State Board of Education from requiring more than four classes to be required for social studies. The two required courses under the law would be civics and personal finance, meaning that either American History 2 or World History would be removed from the curriculum.

North Carolina is only one of two states in the country which has multiple American History classes.

A Guide To The Must-Have Outdoor Garden Power Tools

0

Garden Power Tools Guide: The Best Gardening Equipment You Should Have In Your Shed

Everyone should have the satisfaction of growing a productive and lovely garden. Especially if there are garden power tools that can help and make your life easier. 

Like most people with green thumbs, you probably want to do your gardening quietly and not burn fuel. However, you can cultivate and grow better if you will not deprive yourself with these useful machines. You can also avoid hiring outside companies to perform lawn duties, even if they are the top of their field like thelocaltreeexperts.com.

Additionally, you can easily and quickly clean your garden and keep it tidy by utilizing the best power garden tools available such as the Kärcher Home & Garden gas-powered pressure. With that in mind, here are some of the garden equipment you should consider getting today to make your gardening life simpler and more manageable. 

Lawn Mower

It will be a lot easier for you to achieve a healthy and well-maintained lawn by having the proper lawn mower. You can find one suitable for all yard size. These machines come in the following types:

  • Electric Mower. This lawnmower will work well if you have a smaller lawn up to 50 square meters. It’s easy to maintain and start, as long as you know the proximity of your outdoor power outlets.
  • Petrol Mower. Opt for this type if you have a larger lawn. It’s more powerful than an electric lawnmower and can last you a long time with regular upkeep. For those seeking reliable options, exploring trusted brands is a great start. You can find top-quality models and expert advice at a Kubota dealer Denver, ensuring you get the right mower for your lawn’s needs.
  • Battery-Powered Mower. This mower is a great choice for your small yard as well. It comes with a rechargeable battery, making it more convenient to use.

You can maintain your small garden adequately with a good old push mower. However, a motorized mower presents many benefits, including:

  • You can achieve a much finer finish with a cylinder mower which has more blades that can easily cut grass.
  • Ride-on lawnmowers are even handier if you have a massive lawn or not physically fit.
  • A rotary mower can handle tough stuff along the way.
  • It’ll be a breeze to mow sloping lawns.

Hedge Trimmer

Trimming, shaping, and maintaining your hedges and plants is a time-consuming and straining process. Thankfully, a hedge trimmer can make the difficult job effortless, and you’ll also have full control of shaping the cut. 

A hedge trimmer can trim, cut, prune, and maintain a wide range of plants, trees, hedges, and shrubs in your garden. The result is a beautiful, high-quality finish. 

Nevertheless, make sure to work with safety in mind as it’s a cutting tool. Aside from protecting your eyes and ears, you should also wear gloves to keep your fingers guarded against the blades. Additionally, if your hedge trimmer is corded, it is recommended to work with its cord placed over your shoulder. The last thing you want is to cut the cord accidentally. 

Line Trimmer

A line trimmer can save you so much time when cutting grass in areas of your yard that are hard to reach. This garden power tool is lightweight and compact. It’s also versatile which you can use for creating precise edges and tidying them up. Moreover, there are powerful trimmers available which you can use to cut tall grasses before you mow them.

It’s available in the following models:

  • Petrol Line Trimmer
  • Corded Line Trimmer
  • Battery-Powered Line Trimmer

Storing a hedge trimmer is easy. You can hang it up from the wall or roof. Use telescopic shafts or featuring split to pack it away more quickly.

Pressure Washer

A pressure washer can clean all unwanted grime, filth, and dirt in your garden quickly and with little effort on your part. It is very useful, especially at handling tight areas outdoors.

Regularly cleaning your backyard is crucial to stop any algae and dirt build-up. You can forget about all the manual scrubbing and hard work that comes with getting rid of all filthy things covering your yard with the help of a power washer. Not only will it clean your garden paths and entire patio, but it’ll also look more appealing and prevent them from getting slippery.

The garden power tool has two basic types:

  • Electric Pressure Washer. You’ll find this type in most homes. It’s ideal for smaller cleaning projects. It’s more affordable, portable, quieter, and requires less upkeep. You can also store them inside your home with the need to winterize it. However, it is not as powerful as the gas-powered type at 1,300 to 1,700 PSI.
  • Gas Pressure Washer. This cleaning machine packs more power and will usually put out a PSI ranging from 2,000 to 2,800. Hence, tt’s recommended for larger jobs. If you’re planning to get one of these cleaning tools, make sure to read this unbiased reviews of the best gas pressure washers for garden first.

Understanding the basics of power washers before making any purchase is important to ensure you’ll end up with the right one for your needs and budget.

Blower Vac Or Electric Leaf Blower

If you have a large garden, fall may be your least favorite season. Just thinking of all the leaves you have to clean is enough to tire you. For this reason, a leaf blower or blower vac is a must for your home. It’s a great alternative for the physically demanding broom or garden rake. 

The handy outdoor power tool comes in heavy-duty gas-powered, corded, and cordless models. It’s also available in the following types:

  • Backpack Blower. This blower vac is a great choice for your spacious backyard.
  • Handheld Blower. This type is a popular option for most homeowners as it’s portable and convenient to use.

Edger

An edger can help you create clean, crisp lines between your garden and other areas such as driveways and walkways. This outdoor power tool is particularly helpful at achieving that lovely manicured look if you have a large lawn or if the grass in your garden is spreading aggressively.

You have three models of edger to choose:

  • Cordless Edger
  • Electric Edger
  • Battery-Powered Edger

Cordless is more recommended since it creates fewer vibrations than the electric type. On the other hand, the battery-powered one will work best if your garden is small and simple.

Is the future of gaming purely online?

0

The number of people playing games online has sky-rocketed in recent years.

 As accessing games through the vast array of smartphones, desktops and consoles available on the market is now easier than ever, more and more people around the globe are signing up to play on the web. 

In the UK, the value of the online gaming market is growing exponentially, figures have risen from £4.3 billion in 2016 to over £5.7 billion in 2019. While in India, the gaming market is expected to be worth over £1.1 billion before 2021.

The US online gaming market has seen similar successes and has a value of around $20 billion dollars. 

Clearly, the worldwide gaming industry is hugely profitable and is only getting bigger and more valuable. There are many game options available, from casino and arcade games, to massively multiplayer online games (MMOG) and first person shooter games. With so many options, there is almost guaranteed to be something for everybody to enjoy.

But how does online gaming compare with offline gaming and which types of games are the most popular? Let’s take a look:

Online vs. Offline gaming

Online gaming offers more flexibility and connectivity then games played offline. Online games can often be played across multiple platforms, for example someone may log in to a game at home on their PC and then continue playing on their mobile or tablet during the commute to work. This flexibility is a key reason for why online games are surpassing offline in popularity, with busy modern lifestyles multi-channel functionality is a big bonus. 

Being able to connect with actual people rather than competing against the computer can add real excitement to the game. Playing online is also a great way to socialise with friends without having the hassle of leaving the house.

With this in mind it is no surprise that the online gaming market is growing so rapidly.

But what types are online games do players most enjoy?

Online casinos and online bingo

The world of online gaming is vast. For those looking for games of skill or chance, online casinos offer an energetic and exciting environment with the possibility of winning prizes and real money. 

Online gambling has a 39% share of the UK gambling industry as a whole and a revenue of over £5.4 billion per year. One game that has done particularly well in this industry in recent years is online bingo. Over 28% of those age 25 to 34 enjoy playing bingo online, followed by 26% of 35 to 44 year olds. 

In recent years fans of bingo have been spoilt for choice, with a huge range of bingo sites and games to choose from. After bingo became available online, the number of players has increased significantly over the last decade and has allowed operators to create new offerings and attract new audiences.

Using affiliate sites is now popular amongst many online players as they enable them to find the best offers, bonuses and jackpots. These sites also offer rewards in the form of loyalty points and reward programmes.

Action and adventures in MMOGs and shooter games

MMOGs and shooter games are also games that are often played online.These games aim to provide a truly immersive experience for players, taking them away from reality and creating a new exciting world for them to enjoy. 

Massively Multiplayer Online Games allow a large number of users to play simultaneously on the internet, with game players being able to experience the game in a shared world. Players are often in competition alongside or against one another, and sometimes they are able to have meaningful interactions with other players. 

Examples of MMOGs include World of Warcraft and League of Legends. As a role playing game, World of Warcraft allows players to create avatars which they use to complete quests, explore landscapes and interact with players and characters.

First Person Shooters, such as Call of Duty and Halo, are known for their hauntingly realistic graphics. Players fight in head to head battles or join up with other online players to defeat their enemies. These may be friends or other players that happen to be online at the same time. If you’re on Twitch, you can buy Twitch viewers.

Some First Person Shooter Games can even take place within a Massively Multiplayer Online Game, with Call of Duty Modern Warfare, due for release in October 2019, being one example. This game will allow up to 64 players to connect at one time. 

While most MMOGs are played on PC, shooter games are often played on consoles like the Xbox or Playstation. The market for online console gamers is huge, and growing rapidly. In 2020 there will be an estimated 57 million gamers. This is an increase of almost 10 million since 2015. 

Many consoles serve additional purposes, allowing users to stream movies and television programmes through the internet or watch DVDs. It has been reported that 24% of Xbox one users use the internet on their console to stream movies or TV, as do 20% of Playstation 4 users.

Watching online gaming is also popular around the world

People do not only enjoy playing games, many also spend some of their freetime watching others play games online. 

There are a number of high-profile YouTubers and Twitch stars who have developing careers in gaming and earn a living from streaming their gameplay for others to watch. They are usually able to earn revenue through sponsorship deals and advertising.

On average, audiences around the globe spend 1.8 hours each week watching other people play online games, with the highest time spent by South Koreans (2.64 hours) and the least by Germans (1.38 hours). The UK sits in the middle with around 1.78 hours per week.

The world of online gaming is expanding rapidly around the world. With technological advancements and more game choice, playing online has never been so exciting or convenient. We can expect to see this trend continue and as a result see offline games lose demand. 

https://www.bbc.co.uk/news/newsbeat-47783558

https://yourstory.com/2019/01/2019-year-online-gaming-industry

https://www.statista.com/topics/1551/online-gaming/

https://www.gamblingcommission.gov.uk/news-action-and-statistics/Statistics-and-research/Statistics/Industry-statistics.aspx

https://yougov.co.uk/topics/lifestyle/articles-reports/2018/09/24/full-house-who-driving-online-bingos-growth

https://www.bingoport.co.uk/bingo-sites/a-z-bingo-sites

https://www.techopedia.com/definition/27054/massively-multiplayer-online-game-mmog

https://www.statista.com/topics/1551/online-gaming/

https://www.wepc.com/news/video-game-statistics/

https://www.limelight.com/resources/white-paper/state-of-online-gaming-2018/

What is Fermentation? What are the Types of Fermentation Processes?

0

Fermentation is a naturally effective tool that helps in making the food more nutritious, digestible and tasty. 

The fermentation process is used to produce beer, yogurt, wine, and other several products. 

Fermentation is considered as a metabolic process where an organism is converted into a carbohydrate such as into sugar or starch, or alcohol or an acid. The process is performed by bacteria and microbes that convert carbohydrates into different types of acids. These different types of acids are:

  1. Alcoholic Fermentation
  2. Lactic Acid Fermentation

The study of fermentation is called zymology also known as zymurgy, which studies the biochemical processes and its practical uses.  

In this article, we will discuss the history of fermentation along with its examples, types, and differences. 

History:

By the late 14th century, the alchemists described the process of fermentation. Later, the chemical process of fermentation became a topic of scientific investigation in the mid-1600s. 

The process of fermentation was not described in a modern sense but was still used to make cheese, wine, beer before many people understood it. In the 1850s, Louis Pasteur demonstrated that fermentation is caused by living cells. He was the first zymurgist to study fermentation. However, he failed in his attempts to try fermentation with yeast cells.

Eduard Buechner, a German chemist played his role. He concluded that fluid can be extracted from yeast cells to ferment a sugar solution. His experiment was considered as the beginning of fermentation research and development in biochemistry and earned him a Nobel Prize.  

Types of Fermentation:

 

  • Lactic Acid Fermentation

 

In the process of lactic acid fermentation, the NADH molecule transfers its electrons into pyruvate which generates lactate. Lactate is a deprotonated form of lactic acid. 

The bacteria in the yogurt carry lactic acid fermentation as well as the red blood cells in the human body. It also occurs in muscles when the tissues require energy and have low oxygen levels. For example, when anaerobic respiration takes time to get normal after a workout.

The lactic acid produced by muscle cells is transported to the liver through the bloodstream. Then lactate is converted back into pyruvate where it’s processed normally for cellular respiration.

 

  • Alcoholic Fermentation

 

In the process of alcoholic fermentation, the NADH molecule also donates its electrons to pyruvate which forms ethanol. This a two-step process. Firstly a carboxyl group is removed from pyruvate to release carbon dioxide, which produces a molecule called acetaldehyde. Secondly, NADH transforms its electrons to acetaldehyde to form ethanol.  

Yeast performs the alcoholic fermentation process which produces ethanol and then alcoholic drinks such as wine, beer, and whiskey. However, it is poisonous and toxic to yeast microorganisms just like humans. 

Difference between Lactic Acid Fermentation and Alcoholic Fermentation:

Both types of fermentation are produced with the help of the NADH molecule and pyruvate. They are considered the types of anaerobic respiration. 

The main difference between these two is that they produce different items and are required for different needs. The lactic acid fermentation produces lactate molecules whereas alcoholic fermentation produces ethyl or ethanol molecules including carbon dioxide. 

Lactic acid fermentation occurs in muscles and tissues whereas alcoholic fermentation, also known as ethanol fermentation is used in food industries. 

Examples of Fermented Products:

We have mentioned the products below that are created by the process of fermentation of any type: 

  1. Bread
  2. Yogurt 
  3. Cheese
  4. Beer
  5. Wine
  6. Soured items such as pepperoni, kimchi, etc. 
  7. Hydrogen gas
  8. Industrial alcohol e.g. biofuels

Bank of America Agrees To Pay $4.2 Million In Back Wages and Interest In Discrimination Case

0

Charlotte-based Bank of America has just agreed to pay $4.2 million in back wages and interest to resolve alleged hiring discrimination violations found at several of the bank’s facilities during routine compliance evaluations by the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP).

OFCCP alleged that the bank discriminated against African Americans, Hispanics and women applying for registered phone representative, client service, mortgage underwriter, telephone sales associate and sales specialist positions.

“This is one of the largest settlements in OFCCP history, and this result will further the goal of equal employment opportunity,” said Office of Federal Contract Compliance Programs Director Craig E. Leen in Washington, DC.

“Federal contractors must comply with equal employment opportunity laws in their hiring and compensation practices,” said Office of Federal Contract Compliance Programs Southeast Regional Director Samuel B. Maiden, in Atlanta, Georgia.

Under the early resolution conciliation agreement, Bank of America will monitor its hiring practices nation-wide. In addition, the bank will take steps to enhance its compliance with Executive Order 11246 and retain a consultant to evaluate policies and procedures related to its hiring processes for a five-year period.

In November 2018, OFCCP launched an effort to resolve supply and service compliance evaluations at the earliest stage possible with corporate-wide compliance and issued a directive establishing Early Resolution Procedures (ERP). These procedures allow OFCCP and contractors with multiple establishments to cooperatively develop corporate-wide compliance with OFCCP’s regulatory requirements and efficiently resolve issues. In turn, contractors are exempt from future evaluations for five years. This conciliation agreement with Bank of America resulted from that ERP directive.

In addition to Executive Order 11246, OFCCP enforces Section 503 of the Rehabilitation Act of 1973 and the Vietnam Era Veterans’ Readjustment Assistance Act of 1974. These laws, as amended, make it illegal for contractors and subcontractors doing business with the federal government to discriminate in employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. In addition, contractors and subcontractors are prohibited from discriminating against applicants or employees because they have inquired about, discussed, or disclosed their compensation or the compensation of others subject to certain limitations. For more information, please call OFCCP’s toll-free helpline at 800-397-6251 or visit https://www.dol.gov/ofccp/.

If you think you may be one of the applicants eligible for back pay or job opportunities from this settlement, or may know someone who is, please visit the OFCCP Class Member Locator at: https://www.dol.gov/ofccp/CML. There you will find information about this and other OFCCP settlements.