2016년 1월 13일 수요일

Barack Obama: Guns Are Our Shared Responsibility


The Opinion Pages | OP-ED CONTRIBUTOR

Barack Obama: Guns Are Our Shared Responsibility

By BARACK OBAMAJAN. 7, 2016
Photo

CreditAlex Nabaum 
THE epidemic of gun violence in our country is a crisis. Gun deaths and injuries constitute one of the greatest threats to public health and to the safety of the American people. Every year, more than 30,000 Americans have their lives cut short by guns. Suicides. Domestic violence. Gang shootouts. Accidents. Hundreds of thousands of Americans have lost brothers and sisters, or buried their own children. We’re the only advanced nation on earth that sees this kind of mass violence with this frequency.
A national crisis like this demands a national response. Reducing gun violence will be hard. It’s clear that common-sense gun reform won’t happen during this Congress. It won’t happen during my presidency. Still, there are steps we can take now to save lives. And all of us — at every level of government, in the private sector and as citizens — have to do our part.
We all have a responsibility.
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  • Editorial: End the Gun Epidemic in AmericaDEC. 4, 2015

On Tuesday, I announced new steps I am taking within my legal authority to protect the American people and keep guns out of the hands of criminals and dangerous people. They include making sure that anybody engaged in the business of selling firearms conducts background checks, expanding access to mental health treatment and improving gun safety technology. These actions won’t prevent every act of violence, or save every life — but if even one life is spared, they will be well worth the effort.
Even as I continue to take every action possible as president, I will also take every action I can as a citizen. I will not campaign for, vote for or support any candidate, even in my own party, who does not support common-sense gun reform. And if the 90 percent of Americans who do support common-sense gun reforms join me, we will elect the leadership we deserve.
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  • Obama Pleads for Stricter Gun Laws and Faces Tough QuestioningJAN. 7, 2016

All of us have a role to play — including gun owners. We need the vast majority of responsible gun owners who grieve with us after every mass shooting, who support common-sense gun safety and who feel that their views are not being properly represented, to stand with us and demand that leaders heed the voices of the people they are supposed to represent.
The gun industry also needs to do its part. And that starts with manufacturers.
As Americans, we hold consumer goods to high standards to keep our families and communities safe. Cars have to meet safety and emissions requirements. Food has to be clean and safe. We will not end the cycle of gun violence until we demand that the gun industry take simple actions to make its products safer as well. If a child can’t open a bottle of aspirin, we should also make sure she can’t pull the trigger of a gun.
Yet today, the gun industry is almost entirely unaccountable. Thanks to the gun lobby’s decades of efforts, Congress has blocked our consumer products safety experts from being able to require that firearms have even the most basic safety measures. They’ve made it harder for the government’s public health experts to conduct research on gun violence. They’ve guaranteed that manufacturers enjoy virtual immunity from lawsuits, which means that they can sell lethal products and rarely face consequences. As parents, we wouldn’t put up with this if we were talking about faulty car seats. Why should we tolerate it for products — guns — that kill so many children each year?
At a time when manufacturers are enjoying soaring profits, they should invest in research to make guns smarter and safer, like developing microstamping for ammunition, which can help trace bullets found at crime scenes to specific guns. And like all industries, gun manufacturers owe it to their customers to be better corporate citizens by selling weapons only to responsible actors.
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RECENT COMMENTS

Rebecca

January 10, 2016
President Obama crafts this letter beautifully so that he not only brings up his topic of interest, but also creates a strong connection...

Mary

January 10, 2016
I believe that automatic weapons are, at best, a toy that thrills gun enthusiasts at the gun range. The majority of gun deaths are not at...

TheHowWhy

January 10, 2016
I am a 65 year old Blackman born in the south carolina so I understand what it means to hunt for food and sport. However, while living in...
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Ultimately, this is about all of us. We are not asked to perform the heroism of 15-year-old Zaevion Dobson from Tennessee, who was killed before Christmas while shielding his friends from gunfire. We are not asked to display the grace of the countless victims’ families who have dedicated themselves to ending this senseless violence. But we must find the courage and the will to mobilize, organize and do what a strong, sensible country does in response to a crisis like this one.
All of us need to demand leaders brave enough to stand up to the gun lobby’s lies. All of us need to stand up and protect our fellow citizens. All of us need to demand that governors, mayors and our representatives in Congress do their part.
Change will be hard. It won’t happen overnight. But securing a woman’s right to vote didn’t happen overnight. The liberation of African-Americans didn’t happen overnight. Advancing the rights of lesbian, gay, bisexual and transgender Americans has taken decades’ worth of work.
Those moments represent American democracy, and the American people, at our best. Meeting this crisis of gun violence will require the same relentless focus, over many years, at every level. If we can meet this moment with that same audacity, we will achieve the change we seek. And we will leave a stronger, safer country to our children.
Barack Obama is president of the United States.
A version of this op-ed appears in print on January 8, 2016, on page A23 of the New York edition with the headline: Our Shared Responsibility. Today's Paper|Subscribe 

2016년 1월 12일 화요일

Money calendar offers financial tips


Money calendar offers financial tips


Gardeners rely on seasonal tips to perfect their lawns and borders throughout the year - but what advice is on offer for consumers to ensure their finances bloom in 2016?
The BBC News website asked the independent Money Advice Service to deliver a calendar of month-by-month tips to plant some ideas for those trying to keep their personal finances in order.

January

As the Christmas trees and decorations come down, it is time to tackle the money hangover.
Work out how much you have spent on your overdraft, credit card and loans over the festive period. Use a budget planner or this January toolkit to work out how much you could afford to start paying back each month.
If you are struggling with your finances, it is important to seek free debt advice as soon as possible. For example, missing three utility bill payments in the last three months could be a sign that help is needed.

February

Consider cooking and eating in instead of going to a restaurant on Valentine's Day. They are plenty of options for fun and free activities on a date night.
Keep an eye out for offers and vouchers online so you can make sure you are getting a good deal.

March

Give your finances a spring clean by shopping around for the best deal on domestic energy. It may be that you can get a better offer elsewhere.
Review your subscriptions, such as magazines and TV bundles, and see if there are any that you no longer want.
See if you can cut back on any non-essentials, for a quick cash injection.

April

Having some funds set aside can help to pay for big purchases, or give you peace of mind in case any unexpected costs arise.
So, work out how much you could save each month. Don't aim too high - just saving a little each month can make all the difference.
Shop around for the best savings account. It is easy to switch, and you might get a better deal from a different bank.

May

If you are hoping to go on holiday this summer - whether in the UK or abroad - then May is about the time to consider how much this is going to cost.
Use a budget planner to see how much you could be setting aside each week or month to pay for this.
When it comes to booking, hunt around for deals. Don't book the first flights you find, do your research and shop around.

June


Halfway through the year means it is time to start planning for Christmas.
Think about how much you spent on Christmas last year and work out how much you plan to spend this year.
Avoid financial worry by beginning to set aside a little each month to make sure you can comfortably pay for each present and party.

July


Research what activities are going on in your area over the summer. Is there anything fun and cheap or, even better, free?
Instead of buying refreshing smoothies and juices while out and about, consider making your own at home and taking them with you to save a few pennies.
Invite people round to yours for a drink and nibbles, instead of going to the pub.

August

It is tempting to spend more money in the summer months, with the warmer weather and longer days.
Review how much you have spent over the summer so far to see whether you are spending more or less than you had budgeted for.
If you have been thrifty and spent less than you had anticipated, make sure to pop the extra funds you have got into savings.

September

This month always shows a peak in new car sales, as the second round of new number plates are released. Do you own a car? How much does it cost you to run?
If you travel by train, think about how you buy your tickets - do you get daily, weekly, monthly or annual tickets? Which option is the best value, and is it cheaper if you buy them in advance or online?

October


If you are a smoker, consider taking part in Stoptober. Cutting back on cigarettes can save you a surprising amount of money.
If you are not a smoker, think about whether you have any regular spends or naughty habits that you could cut back on.

November


If you are organising a Secret Santa in the office for Christmas, set a low price limit, such as £2 or £5, so you don't have to fork out for something special for someone you do not really know.
If your plan to set money aside for Christmas has not quite gone to plan, there are ways to find some quick extra cash (see March).

December


Although the year is not quite finished, now is a good time to start planning for 2017.
If you are keen to ditch those debts once and for all, make sure one of your new year's resolutions is to seek some advice.
Think about securing your financial future, possibly through building up a savings pot or taking out an insurance product, such as income protection or critical illness cover.

Investors told 'sell everything' in dire financial warning


Investors told 'sell everything' in dire financial warning

Lehman Brothers’ former headquarters in New York. Photo: Gino Domenico/Bloomberg
Investors have been advised to "sell everything except high quality bonds" by one of the world's biggest banks in a dire warning about financial risks in the year ahead.
In a bleak note to clients yesterday, researchers at the parent company of Ulster Bank said their "cataclysmic" view of the world in 2016 resembles 2008, when the collapse of US bank Lehman Brothers precipitated the global financial crash.
Global economic growth, trade and credit are all slowing and investors should sell almost everything, Royal Bank of Scotland said.
In a note circulated to clients, the bank's economists forecast that international markets could slump by up to 20pc this year and oil could fall as low as $16 per barrel.
And it said the world has far too much debt to be able to grow.
The views go beyond those of most mainstream commentators, but come after markets endured the worst start to the year since records began.
Donal O'Mahoney, chief strategist at Davy in Dublin, said yesterday that volatility on financial markets will be a major feature of the year ahead - but said it was because cheap money from central banks that propped up financial assets like bonds and shares after the crash is finally being switched to the so-called real economy. What's potentially good for the global economy will hit financial markets, he said.
The view from RBS was dramatically more negative.
"Sell everything except high-quality bonds," the UK bank warned.
"This is about return of capital, not return on capital.
"What counts is that the world is slowing, trade is slowing, credit is slowing, we are in a currency war, global disinflation is turning to global deflation as China finally realises what it needs to do (devalue soon, and sharp) and the US then, against all this countervailing pressure, stokes the fire by hiking rates."
China is now seeing capital flight, as cash is pulled out of the country, RBS said.
The negative assessment came after Morgan Stanley said oil prices could slide to $20.
RBS issued a bleak warning on the global economy in November and said yesterday that its outlook has been borne out over the last six weeks.
"That is the problem. It is not lost on me when something goes from a forecast, to an actual outcome. The downside is crystallising. Watch out. Sell (mostly) everything".
Irish Independent