THE STORY BEHIND THE STORY(VII)What has Happened to American Education?

Dorothy Philbin | CNBNews Contributor 

Back “in the day” (1960s) the United States had the best educational system in the world.  Even if we allow for personal/country pride we were definitely in the top five.  Where are we today?  It depends on the survey one reads.  We are somewhere between 13th., behind Slovenia, and 36th waaay behind Bulgaria.  How many American students can find either country on a map?

What happened?  Is it just Gloucester City or the country as a whole?  The answer to the second question is easy.  No, it is not just Gloucester City.  It is the country as a whole.  We are spending an unbelievable amount of money for our kids to rank between 13th and 36th.

The biggest excuse I heard when getting my Masters in Education at St. Joseph’s University was that the Russians sent a satellite (Sputnik – 1958) into space before the United States.  That was more than 50 years in the past and Sputnik self-destructed after three months.  America followed with Telstar (including a song) in 1962 and we were successful.  Instead of using this as a classroom lesson of taking your time and doing a project correctly, the educational geniuses decided to reinvent the wheel.  How many of us with gray hair remember “new math?”  My class was the last of the “old math” students.  After that parents could no longer help their kids with homework.  Parents knew that 7×5=35 but they couldn’t explain the philosophy behind the new way of doing things.

As young as I was (7th grade) I didn’t understand.  After World War II both America and Russia made offers to the German scientists that they couldn’t refuse.   It was really the German scientists who built Sputnik  and Telstar – not the Americans or Russians.  No one thought to ask the Germans how they learned.  Despite the evil done by some Germans, the average student learned well.

I taught English as a Second Language (ESL) in Philadelphia and I always asked my students about schools in their native countries.  In China the names of the students who didn’t do “well enough” were published on a board and they were embarrassed in front of their classmates.  No one would have thought that was funny, especially when the student got home.  In most West African countries education was a privilege, not a right.  If a student got two questions wrong on a test he was beat two times at school.  Then you went home!  In Cambodia (legally Kampuchia) failure is not acceptable, neither is “getting by.”  Only success is acceptable. 

When I looked at the list of countries which educated its students better than the United States, I found several which were legally bilingual:  Singapore (3 languages,) Canada (2,) Belgium (3,) Ireland (2,) Switzerland (3,) and Israel (2.)  No other country coddles its students the way America does.  Every other country prepares its students for a world which is tough and not fair.   

THE STORY BEHIND THE STORY:We Worry About “Mom and Pop” Stores Surviving (VI)

By Dorothy Philbin | CNBNews Contributor

Store Closings in 2022

Maybe there is hope for mom and pop stores if they can just hold on long enough.

We’ve been doing a lot of talking and worrying, with cause, about “mom and pop” stores and if they can survive by the time the pandemic ends.  During this time, however, we haven’t been looking at big box stores and those which have been in operations for more than a century.  There is always “good news/bad news” in issues such as this.  The good news/bad news is that if major mall stores close, the mom and pop stores pick up the slack – if they can survive that long.

Some chain stores are closing completely, others are just changing their mode of operations.  Is there a street corner in any city without a Starbucks?   There will be more in the next year or two.  The coffee store will be closing about 400 full-service stores but will be opening about 700 drive-throughs.  You will soon be able to buy a $4 cup of coffee without getting out of your car.  That expensive coffee made a 21.6% profit for the company.

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How to Choose a Cryptocurrency Trade Bot

One of the most important factors in choosing a cryptocurrency trade bot is how secure it is. There are many different options for choosing a trustworthy crypto trading bot, but you should look for one that has a track record of security and reliability. Fortunately, there are a lot of free tools and resources available online to help you find the best cryptocurrency trade robot.

Now, professionals choose 3commas trading bot and there are reasons for this.

  1. 3Commas working from 2017 which gives credibility. During this time, thousands of traders or simply newbies in this business have used their product, which is confirmed by reviews about them.
  2. This bot is suitable for any trader. Whether newbie or experienced trader.
  3. There are ready-made settings and strategies for the bot. This can make your life and work with him very much easier.
  4. The bot allows you to trade 24 hours a day without stopping.
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Review of 4 Best Trading Platforms for Cryptocurrency Trading 

Review and Comparison of The Best Trading Platforms 

The cryptocurrency market is more than just diverse with new tokens appearing every week. In the sea of available investment options, making correct financial decisions is a tall task. This is why automation became so prevalent and widely used by traders interested in crypto. The best crypto trading platform with bots and good portfolio management is hard to determine.

If you are looking into automated crypto trading and want to get involved with the best online trading platform, take a closer look at our selection of TOP 4 platforms offering a variety of instruments and tools for automated trading.

Wunderbit Trading — affordable, efficient, evolving

The ongoing development of the platform does not mean that it is lacking in any aspect of service. The app is well-polished, offers a neatly looking interface, a myriad of useful features, and allows users to utilize several bots. Each bot has its purpose and advantages for specific types of investors. 

Whether you like to stay on one exchange and catch spreads or search for profits by trading between exchanges, you will find a great tool in Wunderbit’s impressive arsenal. Wunderbit Trading offers multiple bots:

  • Crypto trading bot for Tradingview is a special feature that focuses on the creation, backtesting, and implementation of scripts written by users. You can create unlimited bots and apply your strategies automatically!
  • DCA bot analyzes the market situation to give you the best parameters for an entry. You only need to set it up once!
  • GRID bot will place multiple buy and sell orders simultaneously to combat the volatility in the market and improve risk management. It is a great solution for specific cryptocurrencies that experience moments of extreme volatility.
  • Arbitrage trading allows users to trade between exchanges searching for profits where many simply cannot. Different exchanges offer different rates and P2P orders meaning that there can be a difference worth checking out.

The last two features are currently in development but the frequency of updates tells us that they will be rolled out quite soon. In terms of pricing, Wunderbit Trading offers its Premium for $44.95 per month ($33.7 when paid bi-annually).

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The Story Behind The Story: To Vax or Not to Vax (V)

Dorothy Philbin | CNBNews Contributor

Part II

Our federal administration is not making out very well in court but this decision was predictable.  Today Federal District Judge Mathew Schelp overruled the federal rule that all health care workers in facilities which accept Medicare and Medicaid (basically all) must be vaccinated.

A year ago these health care workers were our heroes; this year they are losing their jobs.  The same is true of most first responders.  In many, if not most of these cases the workers aren’t against the vaccine but don’t want the government dictating what chemicals go into their bodies.  Others have medical conditions which may have a negative effect – we just don’t have enough information yet.  Finally, there is that pesky ole document, the United States Constitution which prohibits the government from interfering with religious beliefs.

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THE STORY BEHIND THE STORY (Your Money/Chapter IV)

by Dorothy Philbin | CNBNews Contributor

Have you gotten a letter or e-mail from Public Service Electric & Gas Co offering a new thermostat for free?  Sounds good, doesn’t it?  Maybe not.

Nowhere in PSE&G’s e-mail does it say anything (even in the fine print) about the thermostat being changed remotely.  This is a question that needs to be asked and answered.  In June of this year USA Today1 printed an article about this program being used in Texas.  Customers were “given the opportunity” to sign up for the program.  Shortly thereafter people found their houses much warmer than they set the thermostat.  This was during the summer and one couple found their thermostat had been raised to 78 degrees in the middle of the day.  Some people said this was being done without their consent.

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The Story Behind The Story: What Is Going On in the Kyle Rittenhouse Trial?

by Dorothy Philbin | CNBNews

The other day I wrote about the Kyle Rittenhouse trial in Kenosha, WI. When he was attacked by three ex-convicts. He shot back and killed one of them. A second testified in court that he had pulled a gun first. Mr. Rittenhouse defended himself.

Since then the trial has been a tragedy of errors. The prosecutor has made mistake after mistake and the defense attorney has made four requests for a mistrial but it hasn’t happened.

Since the trial started there have been groups of radicals shouting “No Justice, No Peace.” Correspondents report that the judge and jury can hear this. It is a threat. If you don’t find Kyle Rittenhouse guilty you will be sorry. This is jury intimidation and reason number five for a mistrial.

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Cryptocurrency exchange review: The best platform for crypto traders in 2021

More information about the best place to buy crypto

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When choosing a cryptocurrency exchange, the main thing to consider is the characteristics. The features of the service help in determining whether it will ease investors’ and traders’ lives. 

Cryptology is straightforward and offers many benefits to newbies and experienced users.

The top characteristics of the platform

1  A straightforward service.

An easy-to-use platform implies fast operations. Speed is the most crucial thing of trading service. No one will want to get stuck in processes that involve money.

2.  Affordable charges.

What most people in the trading industry fear is incurring high cryptocurrency exchange platform fees. No one wants to lose so much money in paying for entry, rollover, and exit. The Cryptology exchange does not charge much.

3.  Countries that offer the service

Most cryptocurrency exchanges are accessible in a few regions only. There is nothing as frustrating as completing a process only to find the service is not available in your place. 

Cryptology is available worldwide, except in America and Japan.

1.  Leverage 

Leverage can be risky, but through it, most traders earn more.

2. Available pairs

In cryptocurrency, people need to analyze markets. So, there is a need to have an exchange that supports many currencies. Therefore, Cryptology is among the top places to find many pairs.

3. The simplicity of the withdrawal services

It is vital to consider how easy it is to withdraw funds when choosing a famous cryptocurrency exchange. The Cryptology platform features a straightforward and fast process.

The following section describes Cryptology in detail. Please keep reading to learn about its features, signup process, verification, pros, cons, and more.

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THE STORY BEHIND THE STORY (Chapter III):Medicare Coverage Plans

by Dorothy Philbin | CNBNews Contributor

There are only a few days left before those of us who are over 65 or disabled can change Medicare coverage plans.  This is a very difficult decision.  There are many health insurance companies

who will provide coverage, usually better than the government’s, but at a premium.  The government’s plan leaves a lot to be desired.  To start, let’s look at what Medicare does not cover.1

1.  Medical needs incurred outside the United States.  If you plan to travel and you have kept the government’s plan, make sure to buy travel insurance.  Although it can be a big help it doesn’t always solve your problems.  Twice a friend was in Mexico and was hurt.  They went to the hospital and was told that it would cost $8,000 just to have an ER doctor look at her.  Her husband said that they had travel insurance but that didn’t solve the problem.  Until the hospital actually received the $8,000 they put it on my friend’s credit card.  How many people have an $8,000 line of credit on their credit cards?  Investigate the laws where you plan to go.

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PEYTON AND ME at FREEDOM PIER

(SEPTEMBER 2021)Construction completed in 1914. Ships used to dock at Freedom Pier carrying immigrants to the port of Philadelphia. The large building to the east was used a processing center by the Department of Immigration. In 1945 the site was converted into a US Coast Guard Station and the pier was used to dock the buoy tenders “Red Oak” and Lilac and several 40′ patrol boats. In 1988 the Coast Guard moved into a new facility in Philadelphia.

Gloucester City’s Freedom Pier will be 10 years old this coming September. The exact date of the unveiling of the pier was September 17, 2011. Approximately 100 people attended the dedication including State Senator Donald Norcross, Assemblymen Gilbert Whip Wilson, and Angel Fuentes, Sheriff and former City Mayor CHALIE Billingham, Freeholder and former City Councilman Tom Gurick, Councilmen Nick Marchese, Jay Brophy and Dan Spencer, City Historian Dave Munn, School Board President Louisa Lwellyn and St. Mary’s Church Deacon Frank Crosson.

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