Morgan Stanley Bolsters Tools for Retirement Plan Advisors - Financial Advisor IQ

The Corporate Retirement Portal eliminates the need for advisors to log in to multiple recordkeeping systems to piece together a picture of their retirement plan client base.
September 9, 2022
Morgan Stanley on Wednesday announced a new platform that it says will streamline advisors’ management of workplace retirement plans.
The new Corporate Retirement Portal within the firm’s Morgan Stanley at Work unit will replace third-party tools advisors previously used to manage retirement accounts. The system, which was built in-house, lets advisors see information about the plans they advise without having to hop from recordkeeper to recordkeeper to piece together a full picture, the firm says.
“Implementing our Corporate Retirement Portal on the Plan Advisor’s desktop will help further drive efficiencies, help recordkeepers scale their business and enhance the plan sponsor and participant experience on our retirement platform,” Anthony Bunnell, head of retirement for Morgan Stanley at Work, said in a statement announcing the new system.
By pulling information previously stored in separate programs into one place, communication between advisors and plan sponsors will be simpler and more efficient, the firm said. The portal also complies with recent U.S. Department of Labor cybersecurity guidelines regarding data encryption and secure data transfer, the firm adds.
Morgan Stanley has touted workplace plans as a major source of overall growth. During a February 2021 presentation at the Credit Suisse Financial Services Forum, Morgan Stanley’s current executive vice president and chief operating officer, Jonathan Pruzan, estimated that 50% of workplan participants open companion brokerage accounts at the firm. He added that the firm expected that share to increase to 90% within the ensuing 18 to 20 months.
The Corporate Retirement Portal’s implementation closely follows another enhancement of the Morgan Stanley at Work platform: the firm’s June acquisition of deferred compensation plan provider American Financial Systems. In an announcement accompanying the acquisition, Jed Finn, head of corporate and institutional solutions and chief operating officer of Morgan Stanley Wealth Management, called workplace plans “a key story to watch over the next five years in the wealth management industry.” Finn termed the workplace market “the single most important source of wealth creation.”

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Meet Iowa auditor candidates running in midterm elections 2022 - Des Moines Register

Two candidates are competing to represent Iowa as state auditor, acting as the taxpayer's watchdog by providing audits of the financial operations of Iowa's state and local governments.
Incumbent Democrat Rob Sand is running against Republican Todd Halbur, a small business owner and licensed Realtor.
To help voters, the Des Moines Register sent questions to all federal, statewide and Des Moines area legislative candidates running for political office this year. Their answers have been lightly edited for length and clarity.
More:A guide to voter rights in Iowa. What you need to know before you cast a ballot
Early voting begins Oct. 19 for the Nov. 8 election.
Age: 55
Party: Republican
Where did you grow up? Carroll
Current town of residence: Clive
Education: Bachelor's degree in business, University of Iowa
Occupation: Small business owner of a school supply distribution company and licensed Realtor
Political experience and civic activities: From 2008-13 my wife and I founded and operated a nonprofit, Teacher Tools 4 Tomorrow, that provided teachers in lower-income schools throughout Iowa with classroom supplies. Several volunteer hours at school activities, school sports and church activities.
More:Where Brenna Bird & Tom Miller stand on key issues in Iowa attorney general race
Age: 40
Party: Democrat
Where did you grow up? Decorah
Current town of residence: Des Moines
Education: Decorah High School, Brown University, University of Iowa Law School
Occupation: State auditor
Political experience and civic activities: Iowa Auditor since January 2019
Halbur: Our government does not have any money. It just has all our money that it collects and spends. The primary role of the auditor’s office is to make sure our government is accountable to the taxpayers of Iowa. Our government needs to be accountable to taxpayers on what it collects and spends according to the code of law. I believe Iowa needs an auditor with the financial background and qualifications that I have as a prior banker and CFO of a State of Iowa Agency.
Sand: The state auditor is the taxpayer’s watchdog. I ran in 2018 to “wake up the watchdog," and we’ve done that. In my first term, we identified more than $25 million in misspent funds, a record. We created a government efficiency program, Public Innovations & Efficiencies (PIE), that saves so much taxpayer money the state of Mississippi copied it already. In my second term, I would continue and expand our aggressive approach, find ways to make bank accounts with public dollars more readily visible and continue advocating for no more mere probation for those who steal tax dollars.
More:What Iowa ag secretary candidates Mike Naig & John Norwood say about eminent domain, ethanol
Halbur: I would work closely with the Legislature and governor’s office to ensure that the laws they pass and put into code are enforced according to the rule of law. I would ensure our government is fiscally responsible with our tax dollars according to the state and federal laws, rules and regulations.
Sand: I’ve called new legislators from both parties after their election wins to make sure they have my contact information and have reached out to the governor’s office on numerous occasions. We will continue to follow our office’s standard procedures for advance notice before reports are issued. I will continue to recommend ideas to the Legislature to save and protect tax dollars. But I will always put my job duty of investigating and informing the public of waste, fraud and abuse ahead of those relationships, because I’m here to serve the public, not the insiders.
More:See where Iowa candidates stand on key issues in the 2022 midterm elections
Halbur: 1. Save taxpayer money by eliminating fraud, waste and abuse.
2. Cities with a population of less than 2,000 people and budgets under $1 million dollars for example are only audited every eight years. We need to increase these exams to every 2 years at least to ensure better government accountability to all taxpayers of Iowa in our small cities.
3. Make and save money for the taxpayers by streamlining and creating efficiencies in government. For example, the state of Iowa needs to get out of the taxpayer-funded monopoly booze business. The state of Iowa liquor wholesale business needs to be put into the hands of private distributors like all the private beer wholesalers in Iowa.
Sand: I hold Transparency Tuesdays at 7:45 p.m. Tuesdays on Facebook Live where people can ask questions of me. We will continue to demand transparency from state government as well. For example, we took the University of Iowa to the Supreme Court and won, to force it to turn over documents. What I will never do is violate our office’s legal confidentiality requirements or cave under the weight of political requests or even lawsuits trying to chip away, in any way, at our obligation to protect whistleblowers. I have rejected such requests from both Republican and Democratic entities.
More:Where are the fiercest races for the Iowa Legislature? Most lie in the Des Moines suburbs
Halbur: I have already been a taxpayer watchdog for all Iowans. I uncovered illegal business activity at the Iowa Alcoholic Beverages Division while being their CFO. Over the last 10-plus years the Iowa Alcoholic Beverages Division has collected from Iowans more than $50 million dollars in illegal excess profits from what is allowed by state law. My priority to protect Iowa taxpayers from this continued illegal business activity would be to have a full third-party independent special investigation audit of the agency.
Sand: 1. Continue our aggressive approach to identify misspent funds. I hired law enforcement officers and have brought my background as Iowa’s main public corruption prosecutor to our work. A northeast Iowa Republican told me he’s never seen bureaucrats more nervous about what the state auditor thinks. Good.
2. Grow the PIE program. This efficiency program saw a 55% increase in participation. I want to continue to collect and spread ideas from Iowans that save taxpayer dollars.
3. Focus on truth, not partisanship, by continuing to defend the opposite party and criticize my own when appropriate, including outside my job duties.
More:What Iowa secretary of state candidates Paul Pate & Joel Miller say about voting, elections
Halbur: The office is called the taxpayer watchdog, but I want to be a voice for all taxpayers, not just a watchdog for a certain political office. I don’t view it as a political office. I see it as a place of destination for a qualified financial candidate to do the auditing job who has a financial agenda, not a political agenda. As a political outsider, I will be a fresh voice with common sense ideas for 21st-century finance and a fighter for all Iowa taxpayers.
Sand: I appointed a Republican, an independent and a Democrat to my senior leadership team. I’ve repeatedly promoted people in the office who made campaign contributions to my opponent in 2018, while this year informing staff they are not allowed to contribute to me. Our obligation is to truth, integrity and accountability. As a result, we have criticized the governor, but we’ve also defended her — like our audit of COVID-19 data. This balance assures Iowans we work for them, no matter who they are and no matter who they complain about.

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Smart Kitchen Appliances Market Peak Countries in the World 2022 Key Dynamics, Recent and Future Demand, Trends, Share, Valuation Industry Size, Revenue Expectation to 2028 - Digital Journal

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Smart Kitchen Appliances Market 2022-2028 including Market Overview, Business Revenue, Introduction, Gross advantage Final Report will add the study of the impact of COVID-19 on this industry.
Smart Kitchen Appliances Market Analysis Consist data of 2022-2028:
“Smart Kitchen Appliances market size is estimated to be worth USD 3328.5 million in 2022 and is forecast to a readjusted size of USD 20060 million by 2028 with a CAGR of 34.9% during the review period.”
Smart Kitchen Appliances Market Effect Factor Analysis.
Who Are Smart Kitchen Appliances Market Key Manufacturers?
What Overview Smart Kitchen Appliances Market Says?
What Is Smart Kitchen Appliances Market Competition
Smart Kitchen Appliances Market Manufacturing Cost Analysis
To Know How Covid-19 Pandemic and Russia Ukraine War Will Impact This Market- REQUEST SAMPLE
What are Industry Insights?
The Global Smart Kitchen Appliances market is expected to rise at a considerable rate during the forecast period, between 2022 and 2028. In 2021, the market is rising at a steady rate and with the expanding adoption of strategies by key players, the market is expected to rise over the projected horizon.
The Major players covered in the Smart Kitchen Appliances market report are:
and more…
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Smart kitchen appliances refers to the introduction of microprocessors and computer technology to the production of electrical equipment, the formation of intelligent kitchen, electrical products with active monitoring of their own failure and active control and active adjustment and other intelligent functions.
Market Analysis and Insights: Global Smart Kitchen Appliances Market
Due to the COVID-19 pandemic, the global Smart Kitchen Appliances market size is estimated to be worth USD 3328.5 million in 2022 and is forecast to a readjusted size of USD 20060 million by 2028 with a CAGR of 34.9% during the review period. Fully considering the economic change by this health crisis, Smart Refrigerator accounting for % of the Smart Kitchen Appliances global market in 2021, is projected to value USD million by 2028, growing at a revised % CAGR in the post-COVID-19 period. While Commercial Use segment is altered to an % CAGR throughout this forecast period.
The Global Smart Kitchen Appliances industry is concentrate. The top five producers are Whirlpool Corporation, AB Electrolux, BSH Appliance, Haier Group and Samsung Electronics. Totally account for about 65% of the revenue market. Regionally, North America is the biggest production area of Smart Kitchen Appliances. North America occupied about 32% of the production market. Other countries have a small amount of production. Geographically, United States was the largest consumption market in the world, which took about 37% of the global consumption value.
Global Smart Kitchen Appliances Scope and Segment
Smart Kitchen Appliances market is segmented by Type and by Application. Players, stakeholders, and other participants in the global Smart Kitchen Appliances market will be able to gain the upper hand as they use the report as a powerful resource. The segmental analysis focuses on sales, revenue and forecast by Type and by Application for the period 2017-2028.
Moreover, it helps new businesses perform a positive assessment of their business plans because it covers a range of topics market participants must be aware of to remain competitive.
Smart Kitchen Appliances Market Report identifies various key players in the market and sheds light on their strategies and collaborations to combat competition. The comprehensive report provides a two-dimensional picture of the market. By knowing the global revenue of manufacturers, the global price of manufacturers, and the production by manufacturers during the forecast period of 2022 to 2028, the reader can identify the footprints of manufacturers in the Smart Kitchen Appliances industry.
Smart Kitchen Appliances Market – Competitive and Segmentation Analysis:
As well as providing an overview of successful marketing strategies, market contributions, and recent developments of leading companies, the report also offers a dashboard overview of leading companies’ past and present performance. Several methodologies and analyses are used in the research report to provide in-depth and accurate information about the Smart Kitchen Appliances Market.
The current market dossier provides market growth potential, opportunities, drivers, industry-specific challenges and risks market share along with the growth rate of the global Smart Kitchen Appliances market. The report also covers monetary and exchange fluctuations, import-export trade, and global market
status in a smooth-tongued pattern. The SWOT analysis, compiled by industry experts, Industry Concentration Ratio and the latest developments for the global Smart Kitchen Appliances market share are covered in a statistical way in the form of tables and figures including graphs and charts for easy understanding.
Get a Sample Copy of the Smart Kitchen Appliances Market Report 2022
Research Methodology:
Research report world follows a primary and secondary methodology that involves data based on top-down, bottom-up approaches, and validation of the estimated numbers through research. The information used to estimate market size, share, and forecast of various segments-sub segments at the global, country level, regional level is derived from the unique sources and the right stakeholders.
Smart Kitchen Appliances Market Growth rate or CAGR exhibited by a market certain forecast period is calculate on the basic types, application, company profile and their impact on the market. Secondary Research Information is collected from a number of publicly available as well as paid databases. Public sources involve publications by different associations and governments, annual reports and statements of companies, white papers and research publications by recognized industry experts and renowned academia, etc. Paid data sources include third-party authentic industry databases.
On the basis of product typethis report displays the production, revenue, price, market share and growth rate of each type, primarily split into:
On the basis of the end users/applicationsthis report focuses on the status and outlook for major applications/end users, consumption (sales), market share and growth rate for each application, including:
Inquire more and share questions if any before the purchase on this report at- https://www.marketgrowthreports.com/enquiry/pre-order-enquiry/19935838
Target Audience of Smart Kitchen Appliances Market:
Smart Kitchen Appliances Market – Regional Analysis:
Geographically, this report is segmented into several key regions, with sales, revenue, market share and growth Rate of Smart Kitchen Appliances in these regions, from 2015 to 2027, covering
Some of the key questions answered in this report:
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Our research analysts will help you to get customized details for your report, which can be modified in terms of a specific region, application or any statistical details. In addition, we are always willing to comply with the study, which triangulated with your own data to make the market research more comprehensive in your perspective.
With tables and figures helping analyse worldwide Global Smart Kitchen Appliances market trends, this research provides key statistics on the state of the industry and is a valuable source of guidance and direction for companies and individuals interested in the market.
Detailed TOC of Global Smart Kitchen Appliances Market Research Report 2022
1 Scope of the Report
1.1 Market Introduction
1.2 Years Considered
1.3 Research Objectives
1.4 Market Research Methodology
1.5 Research Process and Data Source
1.6 Economic Indicators
1.7 Currency Considered
2 Executive Summary
2.1 World Market Overview
2.1.1 Global Smart Kitchen Appliances Annual Sales 2017-2028
2.1.2 World Current and Future Analysis for Smart Kitchen Appliances by Geographic Region, 2017, 2022 and2028
2.1.3 World Current and Future Analysis for Smart Kitchen Appliances by Country/Region, 2017, 2022 and2028
2.2 Smart Kitchen Appliances Segment by Type
2.3 Smart Kitchen Appliances Sales by Type
2.3.1 Global Smart Kitchen Appliances Sales Market Share by Type (2017-2022)
2.3.2 Global Smart Kitchen Appliances Revenue and Market Share by Type (2017-2022)
2.3.3 Global Smart Kitchen Appliances Sale Price by Type (2017-2022)
2.4 Smart Kitchen Appliances Segment by Applications
2.5 Smart Kitchen Appliances Sales by Application
2.5.1 Global Smart Kitchen Appliances Sale Market Share by Application (2017-2022)
2.5.2 Global Smart Kitchen Appliances Revenue and Market Share by Application (2017-2022)
2.5.3 Global Smart Kitchen Appliances Sale Price by Application (2017-2022)
3 Global Smart Kitchen Appliances by Company
3.1 Global Smart Kitchen Appliances Breakdown Data by Company
3.1.1 Global Smart Kitchen Appliances Annual Sales by Company (2020-2022)
3.1.2 Global Smart Kitchen Appliances Sales Market Share by Company (2020-2022)
3.2 Global Smart Kitchen Appliances Annual Revenue by Company (2020-2022)
3.2.1 Global Smart Kitchen Appliances Revenue by Company (2020-2022)
3.2.2 Global Smart Kitchen Appliances Revenue Market Share by Company (2020-2022)
3.3 Global Smart Kitchen Appliances Sale Price by Company
3.4 Key Manufacturers Smart Kitchen Appliances Producing Area Distribution, Sales Area, Product Type
3.4.1 Key Manufacturers Smart Kitchen Appliances Product Location Distribution
3.4.2 Players Smart Kitchen Appliances Products Offered
3.5 Market Concentration Rate Analysis
3.5.1 Competition Landscape Analysis
3.5.2 Concentration Ratio (CR3, CR5 and CR10) and (2020-2022)
3.6 New Products and Potential Entrants
3.7 Mergers and Acquisitions, Expansion
4 World Historic Review for Smart Kitchen Appliances by Geographic Region
4.1 World Historic Smart Kitchen Appliances Market Size by Geographic Region (2017-2022)
4.1.1 Global Smart Kitchen Appliances Annual Sales by Geographic Region (2017-2022)
4.1.2 Global Smart Kitchen Appliances Annual Revenue by Geographic Region
4.2 World Historic Smart Kitchen Appliances Market Size by Country/Region (2017-2022)
4.2.1 Global Smart Kitchen Appliances Annual Sales by Country/Region (2017-2022)
4.2.2 Global Smart Kitchen Appliances Annual Revenue by Country/Region
4.3 Americas Smart Kitchen Appliances Sales Growth
4.4 APAC Smart Kitchen Appliances Sales Growth
4.5 Europe Smart Kitchen Appliances Sales Growth
4.6 Middle East and Africa Smart Kitchen Appliances Sales Growth
Get a Sample Copy of the Smart Kitchen Appliances Market Report 2022
5 Americas
5.1 Americas Smart Kitchen Appliances Sales by Country
5.1.1 Americas Smart Kitchen Appliances Sales by Country (2017-2022)
5.1.2 Americas Smart Kitchen Appliances Revenue by Country (2017-2022)
5.2 Americas Smart Kitchen Appliances Sales by Type
5.3 Americas Smart Kitchen Appliances Sales by Application
5.4 United States
5.5 Canada
5.6 Mexico
5.7 Brazil
6 APAC
6.1 APAC Smart Kitchen Appliances Sales by Region
6.1.1 APAC Smart Kitchen Appliances Sales by Region (2017-2022)
6.1.2 APAC Smart Kitchen Appliances Revenue by Region (2017-2022)
6.2 APAC Smart Kitchen Appliances Sales by Type
6.3 APAC Smart Kitchen Appliances Sales by Application
6.4 China
6.5 Japan
6.6 South Korea
6.7 Southeast Asia
6.8 India
6.9 Australia
6.10 China Taiwan
7 Europe
7.1 Europe Smart Kitchen Appliances by Country
7.1.1 Europe Smart Kitchen Appliances Sales by Country (2017-2022)
7.1.2 Europe Smart Kitchen Appliances Revenue by Country (2017-2022)
7.2 Europe Smart Kitchen Appliances Sales by Type
7.3 Europe Smart Kitchen Appliances Sales by Application
7.4 Germany
7.5 France
7.6 UK
7.7 Italy
7.8 Russia
8 Middle East and Africa
8.1 Middle East and Africa Smart Kitchen Appliances by Country
8.1.1 Middle East and Africa Smart Kitchen Appliances Sales by Country (2017-2022)
8.1.2 Middle East and Africa Smart Kitchen Appliances Revenue by Country (2017-2022)
8.2 Middle East and Africa Smart Kitchen Appliances Sales by Type
8.3 Middle East and Africa Smart Kitchen Appliances Sales by Application
8.4 Egypt
8.5 South Africa
8.6 Israel
8.7 Turkey
8.8 GCC Countries
9 Market Drivers, Challenges and Trends
9.1 Market Drivers and Growth Opportunities
9.2 Market Challenges and Risks
9.3 Industry Trends
10 Manufacturing Cost Structure Analysis
10.1 Raw Material and Suppliers
10.2 Manufacturing Cost Structure Analysis of Smart Kitchen Appliances
10.3 Manufacturing Process Analysis of Smart Kitchen Appliances
10.4 Industry Chain Structure of Smart Kitchen Appliances
11 Marketing, Distributors and Customer
11.1 Sales Channel
11.1.1 Direct Channels
11.1.2 Indirect Channels
11.2 Smart Kitchen Appliances Distributors
11.3 Smart Kitchen Appliances Customer
12 World Forecast Review for Smart Kitchen Appliances by Geographic Region
12.1 Global Smart Kitchen Appliances Market Size Forecast by Region
12.1.1 Global Smart Kitchen Appliances Forecast by Region (2023-2028)
12.1.2 Global Smart Kitchen Appliances Annual Revenue Forecast by Region (2023-2028)
12.2 Americas Forecast by Country
12.3 APAC Forecast by Region
12.4 Europe Forecast by Country
12.5 Middle East and Africa Forecast by Country
12.6 Global Smart Kitchen Appliances Forecast by Type
12.7 Global Smart Kitchen Appliances Forecast by Application
13 Key Players Analysis
13.1.1 Company Information
13.1.2 Smart Kitchen Appliances Product Offered
13.1.3 Smart Kitchen Appliances Sales, Revenue, Price and Gross Margin (2020-2022)
13.1.4 Main Business Overview
13.1.5 Latest Developments
14 Research Findings and Conclusion
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Hiking for the Young at Heart * - Cleveland Metroparks

The days are hot now so we'll pass through the cooler climate of Deer Lick Cave as we travel the trails. Water and sturdy shoes are recommended. * Also see event listing on Cleveland Metroparks Facebook.
Cleveland Metroparks staff can adapt many programs to be accessible to anyone who would like to participate assuming they meet the essential eligibility criteria. Reasonable accommodation can also be made. Please make a request at the time of registration but no later than 72 business hours prior to the program. Contact us at 440.526.1012 or brecksvillenc@clevelandmetroparks.com or at these telephone numbers.
Let the kids get a little dirty and a little wet while they explore all that Brecksville...
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Come explore the streams, discover the waterfalls, and investigate life within the water. We'll...
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The Tinker’s Creek Gorge is filled with hidden waterfalls, interesting wildlife and the remnants...
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In Praise of Lazy Landscaping – Garden & Gun - Garden & Gun

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Gardens
Five good excuses to spend your Saturday doing something other than yard work
By Elizabeth Florio
August 19, 2022
photo: Virginie Drujon-Kippelen
Got a lawn full of clover? You’re doing it right. Put off mowing? Well done, you. “Less is more” is the mantra of Brandy Hall, the founder of Atlanta’s Shades of Green Permaculture, which builds regenerative landscapes for homes, businesses, farms, and schools. Part of a new guard of landscape designers, Hall is keenly aware of the environmental downsides of conventional practices: gas-powered lawn equipment and synthetic fertilizer that drive climate change; herbicides, pesticides, and fungicides that deplete soil microbes, harm pollinators, and pollute waterways.
But while some sustainability proponents demonize turfgrass and the general ideal of a manicured yard, Hall understands the desire for a patch of well-tended greenspace. “There is something to be said about the visual organization and serenity an open space can invoke,” she says. “How do we do that in a way that’s not causing harm?”
Hall shares five ways to reduce such harm on and around your lawn, and great news, they all involve doing less.

1. Embrace a weedy lawn (it’ll be okay) 
Rare is the plot of land that caters to a single type of grass. (If yours is perfectly flat with uniform sunlight and zero tree roots, you probably don’t live in the South.) Follow Hall’s advice—and the path of least resistance—and cultivate a mixed-species lawn. “If you look to nature, you’ll rarely find a single-species anything, even a stand of trees,” she says. “Diversity is key to a happy ecosystem.”
To preserve a sense of lawn-ness, Hall suggests seeding with fescue (an evergreen perennial grass; she likes Pearl’s Premium) and allowing weeds to fill in gaps. “In an area that’s a little more moist and shady, you might have clover doing well, and in the dry part of the yard maybe it’s the fescue mix, but in both cases you have something green and alive,” she says.
If your inner Augusta National admirer is struggling to get on board, try rebranding weeds as “friends with benefits.” Hall ticks off the perks of three common Southern lawn intruders: Clover is a nitrogen fixer, which means it extracts nitrogen from the air to the benefit of surrounding plants, while dandelion and broadleaf plantain are “dynamic accumulators” that draw nutrients from deep in the soil and redistribute them. (In folk medicine, dandelion is also a liver tonic, while crushed plantain soothes insect stings; chew up a leaf and put it on the spot for a quick salve—and cookout party trick.)



2. Mow half as often
You already know that overzealous mowing can stress your grass in the heat of a Southern summer. Close-cropped lawns are also generally terrible for the environment. Gas-powered yard equipment accounts for 5 percent of all air pollution in the United States, according to the EPA. When turfgrass is shorter than three inches, Hall notes, about 85 percent of the rain runs off, taxing stormwater systems. (Yet another reason to welcome weeds to bare spots.)
Hall herself only mows once a summer but understands that may be too laissez-faire for some. Her advice: “Let it grow just a little bit. If you mow weekly, switch to biweekly. If you mow biweekly, switch to every three or four weeks. It’s still manicured; it’s not going to flower.”
Then again, if you don’t mind a few flowers in your lawn, the honeybees will thank you. (Small children like them, too.)



3. Keep your leaves 
Of all the landscaping practices Hall finds absurd, bagging leaves—which are full of stored nutrients and minerals—ranks at the top. You know the drill: “Instead of letting them decompose, we use carbon-heavy small-engine blowers to blow them into a big pile, then put them in plastic or plantation-pine-pulp bags and set them on the curb. That then gets hauled to a landfill on a big diesel truck, where it’s just going to turn into methane and cause greenhouse gasses,” she says. “Then you go to the store in spring and buy compost, which is the exact nutrients you hauled off six months ago.” 
Fix the broken loop: Let fallen leaves lie—or rake them to the side, let them decompose, and redistribute them later.



4. Hold off on “deadheading”
Another needless filler of lawn bags, according to Hall, are dead stalks and flowerheads that people tend to prune in the name of tidiness. Never mind the color and texture possibilities of dried vegetation; dead things have utility beyond aesthetics. “If we leave seed heads, that becomes forage for different types of songbirds,” she says. “Standing dead parts of a plant become a habitat in the winter for beneficial insects.”



5. Let it bloom where it’s not planted
People feel compelled to keep plants in the exact spot they were planted, Hall says—“‘Oh, it’s taking over this. It’s popping up over there.’” Perennial plants, in particular, tend to travel, especially those with runners such as black-eyed Susan, mountain mint, and strawberries. She recommends creating structure through plants like compact evergreens and bunching grasses, then letting nature take its course. “The product is plants that are thriving,” she says. And a lot more free time.
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Bayer's agriculture unit, consumer health drive outlook hike - Reuters

The logo of Bayer AG is pictured on the facade of the historical headquarters of the German pharmaceutical and chemical maker in Leverkusen, Germany, April 27, 2020. REUTERS/Wolfgang Rattay
FRANKFURT, Aug 4 (Reuters) - Agriculture and pharmaceuticals company Bayer (BAYGn.DE) on Thursday lifted its 2022 earnings guidance on strong demand from farmers for its seeds and crop chemicals and higher sales of consumer health products.
Bayer is now targeting earnings before interest, taxes, depreciation and amortisation (EBITDA), adjusted for special items, of about 13 billion euros ($13.21 billion), based on June 30 foreign exchange rates, where it had previously predicted about 12 billion euros, it said in a statement.
Bayer, which has been hit by litigation costs over claims that a weedkiller it acquired under its Monsanto takeover causes cancer, said that second-quarter adjusted EBITDA jumped 30% to 3.35 billion euros, above an average analyst estimate of 3.28 billion euros posted on the company's website.
Prices of agricultural commodities, such as corn and soy have surged globally after Russia's invasion of Ukraine disrupted farming and grain transport there, prompting farmers elsewhere to use more chemicals and seeds to boost output.
The crop science division, which generated the bulk of Bayer's earnings during the first half of the year, saw adjusted EBITDA surge by more than 70% to 1.75 billion euros in the second quarter, beating a market consensus of 1.56 billion euros.
By contrast, a litigation settlement and write-downs resulted in a net loss of almost 300 million euros for the quarter, where analysts had projected a net profit of about 1.5 billion, hit by special charges of 2.1 billion euros.
That included 694 million euros set aside for an expected settlement with the State of Oregon over waste water contaminated with PCB, a chemical Monsanto produced up until 1977.
Other charges included restructuring measures and write-downs on certain assets due to a strong rise in interest rates.
($1 = 0.9842 euros)
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Scientists show how electronic medical records may be used to learn more about Alzheimer's disease - National Institute on Aging

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Alzheimer's DiseaseClinical ResearchDemography
By searching thousands of electronic medical records, a team of NIA-funded researchers may have discovered key differences in pathology and clinical characteristics between men and women with Alzheimer’s disease, and also between individuals with and without this disease. The study, published in Nature Communications, demonstrates the potential of a “big data” approach involving advanced computer algorithms.
Electronic medical records are generated during visits to health professionals and contain patient clinical data, including details such as age, medical history, medications, and results from labs and diagnostic tests. Before these records are viewed by researchers, all patient data is de-identified — a process that removes any information that could identify a patient. Investigating Alzheimer’s by using data from these records can provide information about the disease’s complexity and identify associations and sex-specific differences in diagnoses, medications, and laboratory test results. The research team — from the University of California, San Francisco (UCSF); Icahn School of Medicine at Mount Sinai, New York; and University of Minnesota Medical School, Minneapolis — used a big data approach known as integrative deep phenotyping to help map out and analyze the electronic medical records of 44,288 people. 
Alzheimer’s is a complex condition that may be linked to several traits, risk factors, and other disorders. However, assessing the validity of these connections has been difficult. For instance, while it is known that twice as many women develop Alzheimer’s as men, attempts to determine exactly why have produced mixed results. In this study, the researchers tapped into the wealth of information provided by electronic medical records. This enabled them to search for connections in a systematic and scientifically unbiased manner.
To do this, the researchers first fed an advanced data-mapping computer algorithm all the diagnosis information from the UCSF electronic medical record data set. The algorithm then displayed patient data as clusters on a graph with similar patients’ data falling closer together. Remarkably, data from people with Alzheimer’s showed a different pattern of clustering than those without the disease. Similar results were seen when they used data from Mount Sinai’s electronic medical records. The results supported and validated the idea that this big data approach could be used to visualize and detect disease connections.
Next, the researchers used a different algorithm to search for connections between co-occurrence of different medical conditions, prescribed medications, and lab tests. Using this approach, they found several differences in data from people with Alzheimer’s. For example, in agreement with previous studies, people with Alzheimer’s were more likely than others to be diagnosed with hypertension, diabetes mellitus, anemia, vascular pathology, osteoporosis, or urinary tract infections. Researchers also found differences between men and women with Alzheimer’s. Namely, men appeared more likely to be diagnosed with neurological, sensory, and behavioral disorders. In contrast, women had more frequent diagnoses of arthritis, bone fractures, atrial fibrillations, and accidents.
Overall, the results support the idea that studying electronic medical records may not only help scientists assess patterns and validity of Alzheimer’s associations but also discover new ones. Ultimately, this may help researchers gain a clearer picture of the forces behind this very complex disease.
This research was supported in part by NIA grants R01AG060393, R01AG057683, RF1AG068325, and RF1AG059319.
These activities relate to NIH’s Alzheimer’s and Related Dementias Research Implementation Milestones:
Reference: Tang AS, et al. Deep phenotyping of Alzheimer’s disease leveraging electronic medical records identifies sex-specific clinical associations. Nature Communications. 2022;13(1):675. doi: 10.1038/s41467-022-28273-0.
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