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citizenrecord · 2 years

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Short Biography of Steve Jobs

Steven Paul Jobs was born on February 24, 1955 in San Francisco, California. His unwed biological parents, Joanne Schieble and Abdulfattah Jandali, put him up for adoption. Steve was adopted by Paul and Clara Jobs, a lower-middle-class couple, who moved to the suburban city of Mountain View a couple of years later.

The Santa Clara county, south of the Bay Area, became known as Silicon Valley in the early 1950s after the sprouting of myriads of semi-conductor companies in the area. As a result, young Steve Jobs grew up in a neighborhood filled with engineers working on electronics and other gizmos in their garages on weekends. This shaped his interest in the field as he grew up. At age 13, he met one the most important persons in his life: 18-year-old Stephen Wozniak, an electronics whiz-kid —and an incorrigible prankster, much like Steve himself.

Five years later, when Steve Jobs reached college age, he told his parents he wanted to enroll in Reed College — an expensive liberal arts college up in Oregon. Even though the tuition fees were astronomical for the poor couple, they had promised their son's biological parents he would get a college education, so they relented. Steve spent only one semester at Reed, then dropped out, as he was more interested in eastern philosophy, fruitarian diets, and LSD than in the classes he took. He moved to a hippie commune in Oregon where his main activity was cultivating apples.

A few months later, Steve returned to California to look for a job. He was hired at the young video game maker Atari, and used his wages to make a trip to India with one of his college friends, Dan Kottke, in order to 'seek enlightenment'. He came back a little disillusioned and started to take more interest in his friend Woz's new activities.

Woz, whose interest in electronics had grown stronger, was regularly attending meetings of a group of early computer hobbyists called the Homebrew Computer Club. They were the real pioneers of personal computing, a collection of radio jammers, computer professionals and enlightened amateurs who gathered to show off their latest prowess in building their own personal computer or writing software. The club started to gain popularity after the Altair 8800 personal computer kit came out in 1975.

The knowledge that Woz gathered at the Homebrew meetings, as well as his exceptional talent, allowed him to build his own computer board — simply because he wanted a personal computer for himself. Steve Jobs took interest, and he quickly understood that his friend's brilliant invention could be sold to software hobbyists, who wanted to write software without the hassle of assembling a computer kit. Jobs convinced Wozniak to start a company for that purpose: Apple Computer was born on April 1, 1976.

Although Markkula was a bit too optimistic (it actually took 7 years for Apple to make it), he was right that the company would become an overnight success. Because of its beautiful package, ease of use, and nifty features, the Apple II crushed most of its competition, and its sales made the Apple founders millionaires. The biggest surge in sales came after the introduction of VisiCalc, the first commercially successful spreadsheet program: hundreds of thousands of Americans, whether they be accountants, small business owners, or just obsessed with money, bought Apple IIs to make calculations at home.

Steve Jobs was a big believer in the Lisa computer initially. It was he who came up with the name. Indeed, in 1978, his ex-girlfriend from high school Chrisann Brennan gave birth to a little girl, who she named Lisa. Steve denied paternity, although it was obvious to everyone who knew him that he was the father, given the on-and-off relationship he still had with Chrisann at the time. Jobs refused to give any money to Chrisann, despite the millions he had accumulated at Apple. While in denial, he came up with the name "LISA" for the new computer Apple was building...

The following year, a tour of the computer research lab Xerox PARC made a huge impression on him. The scientists who worked there had invented a number of breakthrough technologies that would mark the industry for the coming decades, including the graphical user interface (GUI) and the mouse, Ethernet, laser printing and object oriented programming. Jobs became obsessed with the GUI which was a lot easier to use than the command-line interfaces of the day. Instead of learning a computer language, you only had to point at pictures to use it. He insisted the Lisa should have a GUI and a mouse, too. Read More On...

#Steve Jobs #apple #biography

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efile-expert · 2 years

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globaltalentexchange · 2 years

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LEVERAGING TALENT FROM GLOBAL TECH HUBS

In the technology-driven world today, it’s no surprise that several tech hubs have emerged in countries spread across the globe. These places are ideal, given their vibrant and dynamic lifestyle and thriving work environment.

The exposure and experience gained in these areas can now be leveraged by India as organizations hire talent to fill leadership or niche-skill roles because of the absence of adequate and appropriate local talent.

Read on!

1. San Francisco, USA Silicon Valley encapsulates the tech world in the entire Bay Area – comprising San Jose, Menlo Park, Palo Alto, Mountain View, Cupertino, Santa Clara, Redwood City, and Sunnyvale. It is the home and ‘mecca’ of tech innovation, with some of the largest and most influential companies based here- eBay, Nauto, PayPal, MySQL, Facebook, WhatsApp, Momentus, Apple, Eightfold, Amazon, Alphabet, and many more. Given the concentration of the ‘biggies’, it’s noteworthy that the Bay Area is also a highly beneficial place for small, mid-sized companies, and start-ups.

2. Hong Kong Hong Kong is home to the Hong Kong Science Park, which is famously known as a centre for innovation. 600 technology companies and about 13000 tech professionals live and work in this bustling metropolis.

3. Tokyo Japan has earned the reputation of being the most dynamic and effective manufacturer of industrial robots, given that its production accounts for more than half of the global robotic supply. With this as a precedent, Tokyo is now quickly spiralling upwards as the place for other tech industries and start-ups.

4. Shanghai

China’s Silicon Valley or Zhangjiang Hi-Tech Park is located in Shanghai, to assist businesses to consistently innovate. More than 1000 start-ups have set base here, with most of them operating within the realms of EdTech and Gaming. The ‘valley’ also has more than 400 Research and Development centers. China accounts for more than a quarter of the global revenue in gaming, making it the largest mobile gaming market in the world.

5. London

London is striving to become the main tech nucleus and is now regarded as the world’s third most significant and pivotal innovation center. The introduction of a start-up visa program in 2019 has contributed exponentially to the growth of London as a tech hub.

6. Tel Aviv

Tel Aviv has the highest number of start-ups per capita globally. The city boasts of more than 100 research and development and innovation centers belonging to foreign countries: Facebook, Google, Amazon, and Barclays included. More than 40% of the start-ups belong to the Artificial Intelligence sector, with more than 25% of the city’s workforce employed in this sector. The Tnufa Initiative is focused on assisting budding entrepreneurs to develop unique ideas and concepts, which can attract grants of up to 85% of the approved expenditure. It also enables foreign companies to set up a base and accelerate their business ideas, without debt.

7. New York

New York has made crucial technological advancements, which are led by sectors such as EdTech, AI, Big Data Analytics, and Cybersecurity. There are more than 9000 start-ups and over 100 incubators. Within tech, 886 companies received approximately US$16.2 billion in VC funding in the year 2020. Given the rapid rise of tech in the city, it has emerged as one of the biggest tech hubs across the USA.

8. Beijing

Replete with resources for innovation, the capital of China plays host to 1000 scientific research institutes, 90 universities, and the Zhongguancun Hub – a hub that has 9000 tech companies such as Baidu and Sina Corporation – both behemoths in their realms and both listed on NASDAQ. China has 70 unicorns – valued at over US$1 billion each – and almost half of these unicorns are situated in the Zhongguancun Hub.

9. Singapore

This Southeast Asian country is the hub of innovative strategies across businesses and is brimming with highly talented and skilled workers. The government supports businesses through low taxes, a plethora of investment opportunities, and an ecosystem that attracts the best talent. The city has a robust IT infrastructure – often regarded as the best globally. Even during the pandemic, in 2020, Singapore was able to attract US$17.2 billion in fixed asset investments. The Singapore government invested US$19 billion across enterprises as part of its Innovation, Research, and Enterprise program.

10. Ho Chi Minh As per the World Economic Forum, Ho Chi Minh City is among the top ten cities to have incorporated technology to accelerate growth and change. It has also been classified as a city with high potential to become one of the top tech cities in the world. This is attributed to low costs, huge amounts from foreign direct investment (FDI), and a growing consumer market.

Why India Should Leverage Talent from Global Tech Hubs The tech talent in India is amongst the most sought-after talent across the world. Additionally, cost arbitrage in talent sourcing also works to the country’s advantage. Globally, countries are aggressively hiring tech talent, placing a lot of pressure on the Indian hiring system. The attrition rate is high within this realm (24%), with talent moving fast and towards companies that offer better salaries and perks. The talent war is very real and very fierce! With over 4.6 million employed in the tech sector, this sector accounts for about 8% of the country’s GDP, which has exacerbated the demand for digital services. A report by NASSCOM reveals that there are only about 100 persons for every 200 open jobs in the digital space. Given this frenzied race to acquire talent, it would make sense for India to look for tech talent outside of the country. Hiring in the tech sector is unlikely to slow down or stop any time soon, and hence, companies need to put up their top game if they wish to attract the best talent. Inability or unwillingness to train and upskill their staff, and look at talent from other locations, will severely compound the problem of a talent crunch. Opening up doors and being flexible with their hiring options will help tech companies to quickly scale up. It also enables mid-size companies and startups in India to use the expertise of international hires and crack into the global markets with ease. With GTX, your organization can access and hire talent that has lived and worked in the most prominent tech hubs of the world, and emerge victorious in the ongoing war for skill and talent. Also Read: Accelerate Business Growth With Global Hiring

#globalrecruitment #digitaltransformation #digitalindia #globalhiring #internationalrecruitment #nri

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hoganleslie93 · 4 years

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property insurance settlement taxable

BEST ANSWER: Try this site where you can compare quotes from different companies :bestinsureonline.xyz

property insurance settlement taxable

property insurance settlement taxable as an employer can be in many situations. When a policy is purchased for an employer-employee, coverage is generally considered an employee-employee benefit. The tax benefit is based on the employment income the employer receives. In the simplest case, a tax-deferred employee’s death would be taxable as a company owner. If the business makes profits or losses under the policy through the employee’s contributions, they may gain a tax deduction. In these circumstances it is important to realize that the amount of the deductible would be based on the actual loss of the employee if he or she were to take a job elsewhere. In the most simple scenario, an employer would own a non-employer policy (e.g., one owned by the business) at a fair market value of an employee’s portion of the business. This non-employer policy is not insured by the Federal Employee Retirement Income Guaranty Association (ERGI). This is because of the limited value. property insurance settlement taxable to the extent of the premium payment. As shown in the table below, an individual would not necessarily file a claim for a single out-of-pocket benefit; however a group of individuals that own more than one business would have to pay a larger share of a total. In this scenario, it’s advantageous for employers to collect the insurance premiums from two to four employees. The table below shows several scenarios in which employers can collect the insurance premiums from five to seven employees of any one employer. Another alternative for collecting insurance premiums from other employees is for each employee to use in their own way the same insurance company that collects them through their payroll. An employer can use their own employee as the insurance company s insurance until it has a better plan that benefits them the most in the group. This process is simpler for smaller businesses and more profitable for the employer. In some business organizations, a small business owner typically has a very low income – and therefore doesn t get paid by it on a monthly. property insurance settlement taxable. The following table shows the average monthly expenses, by insurance company, for basic liability, collision, comprehensive (other than collision), and uninsured motorists insurance settlement. A basic liability insurance policy may be a great idea, especially if you live in a large city like Los Angeles, Riverside, San Diego, San Francisco, Sacramento, Fresno, Santa Clara, San Diego, Santa Maria, or Ventura County. As you can tell from the table, there are very low rates. In Los Angeles, California, the cheapest rates are in Tucson (about $1), Santa Barbara County (about $6), San Bernardino County (about $5), Fresno County (about $5), San Bernardino County (about $5), San Bernardino County (about $6), and California Central Station. If you live near the coast and are looking for inexpensive liability car insurance the cheapest Texas insurance companies to buy are Farmers, State Farm, and GEICO. In the table, we highlighted the top Texas company with lowest monthly insurance.

Home & Renters Insurance

Home & Renters Insurance Coverage. This coverage may also cover your damaged car and your injuries when being hit or hit by any third party. This coverage is available in a number of different states. Some states only require the insurance to be on the insured’s policy as they do in a majority of states (where the coverage is included as part of the minimum coverage that the policyholder must carry). So, when a driver hits you who is not only over the collision limit but is also over the property limit, you may be able to add coverage such as Personal Injury Protection as well. As a personal umbrella policy, personal liability applies whether or not any property damage was done by you to the other party or no. Thus, if you are hurt or damaged in an accident that you were the at-fault party, you will be able to go with the umbrella (not the car). Personal umbrella is intended to avoid having to pay some liability claims and is an important coverage. However, if a.

About Insurance.com

About Insurance.com is one of The Zebra’s In-house agencies trying hard to be an independent agency. For over thirty years, we have provided insurance and risk management solutions to meet individual and business needs. As an independent insurance agency, we work for YOU – not the insurance company. We have access to as many companies as we can carry, making it easy for you to find the best price for your auto insurance. And if you’re ready to switch, don’t hesitate to . We look forward to helping you find the best car insurance coverage for the best price. Compare quotes from the top insurance companies and save! Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best... : We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn t influence our content..

Other Insurance

Other Insurance Company. Life insurance, for example, is a form of money. While it is not a substitute for other financial protection in the event of the financial loss of a personal loss, it is a vital element that can be taken into account. Most Americans expect life insurance to be used to safeguard their family’s income and support against long-neglected problems such as the loss of employment. If you want to ensure that your loved ones are financially supported in order to make sure they are financially supported in the event of your death, then it is worthwhile to buy a life insurance policy for your family. One of the ways in which you can save money is by signing up for a policy that allows you to withdraw money at the time of death. Here is how to put together an auto policy that will give you the money that you already have for funeral expenses. There are three ways in which you can get the money from a life insurance policy. If you have an immediate family member who will require.

Life Insurance

Life Insurance 50/100/50 18 - 80 years 50/100/50 $50,000 $10,000,000 Depends on policy .

Auto Insurance

Auto Insurance. Your auto policy is valid until your 21st birthday unless canceled. You are not allowed out of the country if you live in a country you cannot visit or live anywhere else. You are allowed to drive if you can prove that you can prove a driver’s license was reinstated. » MORE: Auto Insurance Coverage Options Purchasing optional coverage is the best option for most people. Safety equipment and safety features, eases the cost (in the same insurance plan) Unlimited (if an accident occurs) Non-owner insurance is only a way for people who don’t own a car to . In most cases, it is a requirement to be covered by motor vehicle insurance in an accident while driving a vehicle. The minimum protection is a policy that covers your vehicle in the event of a claim, such as a hit-and-run injury, a car accident caused by a driver wearing a T-.

Health Insurance

Health Insurance) . I am a licensed sales agent with over 25 years’ experience with this insurance business. He has always provided very high quality care. He helped me to find an insurance quote that was not only in line with what was expected but also would not be overcharged. When it comes to car insurance, Florida is one of the largest states with laws and the right to file an . If you don’t own a car, there is a situation where you can’t legally drive, as you are no longer a resident. While it is a constitutional right, it does not fully protect you from damage to the vehicle, or the human being on the road. The short answer is that you can still legally drive, and the only situation in which you absolutely need to file an Auto Liability Certificate is if you have the state-required level of car insurance coverage. You are not required to file an SR-22 for.

Attorneys for Insurance Settlement Taxes

Attorneys for Insurance Settlement Taxes”, LLC. It is up to a claimant against the insurance company when the insured is injured in a car accident. This decision is an important one. The insurance claims system allows claimants to know when or how much a policy policy will cost and can also set them up to claim the insurance benefits. In addition, if the claimant is in an accident caused by an insured driver, and damages exceed the claimant’s policy amount, the claimant can sue. This “no-fault” system should be able to handle more claims than if it simply was allowed to settle for the claimant’s payout. Even if this system allowed insurance claim recovery, one of the most important considerations about obtaining a settlement is the outcome of the claim and not the claimant’s settlement. There are many reasons why insurance policy claims don’t usually reach settlement, including: Many states require a medical exam, but some benefit from the standard policies. That’s why you must.

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sugarmancompany-blog · 9 months

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Role of a Small Business Accountant in Santa Clara and San Francisco, CA

Running a small business competently takes a lot of dedication and perseverance. Unfortunately, the company owner is likely to be pulled in all directions and end up losing focus. This does not auger well for the business either. Instead, it makes sense to consider hiring an experienced small business accountant in Santa Clara and San Francisco, CA, to look at the financial aspects of the company.

The financial challenges are sure to seem daunting to a layperson initially. It thus makes sense to educate oneself about the specific role that such a professional may play. It suffices to know that the professional will manage the business accounts by reminding the entities that owe money to the company. Keeping track of financial records is also the accountant's responsibility, as is the challenge of ensuring business growth.

Some of the advantages that the company owner can expect from hiring a small business accountant include the following:-

· Focus- With the financial aspects being taken care of by a professional, the business owner is free to concentrate on the running of the business. This not only improves the day-to-day operations but enables the business owner to be in charge without being interrupted frequently to deal with matters beyond the entrepreneur's competence.

· Tax Woes- Paying taxes is something that no business entity can avoid. Unfortunately, a small business owner does not have the expertise to deal with it. No worries! The accountant will take over this onus as well. The pro will assist the business owner in ensuring compliance with the tax laws and even point out the areas that may help reduce tax liability. The prospect of being audited by the IRS becomes remote when the returns are filed perfectly each year

· Business Plan- It is advisable to have a seasoned accountant by one’s side to understand the direction the business may take. Having a concrete plan in place helps, too! While the sales & marketing team may provide one with the expected numbers and marketing strategies to employ, the accountant will calculate the initial costs and investments to make at the same time. This will help the business owner to remain operational even during lean periods when there is a negative growth

· Minimizing Risks- Maximizing a small business's profitability is enormously challenging. Moreover, one must take risks to gain the right results. Thankfully, the accountant can provide the company owner with assistance in this regard as well. While the introduction of new products or entering a new market may seem lucrative, it is the account that will guide the company owner ably by providing information about how the additional expenses may affect the profitability as well as the scalability

Hiring a skilled forensic CPA in Sacramento and San Jose, CA, becomes imperative when management suspects wrongdoing within or outside the company. The professional would be able to perform forensic accounting, deal with litigation for financial fraud, and advise the company about the possibility of risks ahead.

#small business accountant in Santa Clara and San Francisco #forensic CPA in Sacramento and San Jose #CA

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olympusintelligence · 5 years

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Part 3 Chapter 9 (Full)

26/11/2018 22:00 ( San Francisco Time) San Francisco International Airport

“Welcome to San Francisco.”

A female Filipino immigration officer welcomed Kyle with a smile, who had queued for a hour and half at the port of entry.

His clear-cut appearance and unyielding eyes are rare to be found among the Asian men in the United States. They attracted her to stare at him for a bit longer. He finally crossed the border after she gave him back his passport.

Many dreamers from around the world hope to build their startups or successful tech careers in Silicon Valley. Fortunately many international hackathons and startup conferences would be held in these months, which helped him create a credible story to get close to his target. At first he thought of notifying Christian that he had arrived in the country, but soon he dropped this idea. It would be better to contact him when he found any substantial evidence.

After the tiring long-haul flight he really just hoped to get some rest at the hotel. He took d Bay Area Rapid Transit (BART) to Millbrae, so that he could get on board a Caltrain to Palo Alto. With just a thin jacket, he embraced cold winds during late night while waiting for the Caltrain. Transportation is inconvenient in California at night, so it ended up taking him four hours to reach the small hotel near Palo Alto train station. Transport to Palo Alto is truly a mess unless one has a private jet or a car. The accommodating hotel staff took note of his severe fatigue when he checked in, so he briskly led him to his room. He fell asleep after he was in.

His sleep last for twelve hours. He is not a deep sleeper, but perhaps due to the accumulated stress and fatigue, he enjoyed a long slumber.

The hotel does not serve lunch, so after freshening himself up, he just headed outside to buy a burger. He was not in the mood to walk along the University Avenue or admire the chic downtown view. He just hoped to return to the hotel to get his props ready. VidChat Hackathon would start on the next day. He did not plan to stay at the hotel for one more day as the site was in East Palo Alto and participants could enjoy free accommodation during the hackathon period.

He met three aspiring tech talents who would also take part in the same hackathon, and they had rented a car, so the next morning he had a free ride to the hotel venue, otherwise he may have had to leave the hotel one day much earlier. These three dreamers were computer science undergrads from Russia, and they considered Palo Alto a place that gathers the geniuses, geeks and big shots in technology. There is a higher chance to get spotted in a hackathon by senior management of large tech corporations, which means they might be able to stay in the US to develop their careers. Even though they may not have any progress in Vid’s hackathon, they would still join hackathons in downtown San Francisco, San Jose and Santa Clara. To keep his motives secret, he only mentioned to them that he just wished to learn more about Silicon Valley’s current development and he was planning to move to California to start a business. Those students just thought he might be a rich investor based on his Asian appearance, so they all showed interest in his potential startup tale.

Students are really gullible, he thought. Certainly he would not create a startup in California. His main objectives are to gather intelligence about the previous bombing in Jakarta and Helen’s location from Andrew and investigate his possible involvement in the terrorist attack, but this tech tycoon must be a real hard nut to crack.

About an hour later, they arrived at a five-star luxury hotel. As Vid’s offices could not accommodate hundreds of participants like the other tech giants did, it rented a large hotel instead, and it generously arranged accommodation for most participants who struggled with it, but the staff of the hotel and Vid had to be busy with the logistics involved.

Kyle did not mingle with the three students any longer. After signing up at the registration counter, he entered the restaurant to enjoy a complimentary buffet breakfast. At the same time, he used his MacBook and iPad to organize the information he had gathered regarding the target. Outsiders may only get the impression that he was just preparing for the hackathon, as other competitors were preoccupied with checking their devices as well.

Andrew Hector and a few directors’ unexpectedly arrived at the same restaurant. It caused an uproar among the participants, so he had to shut down his devices to avoid drawing anyone’s attention to him. Similar to most tech tycoons in Silicon Valley, Andrew seemed casual, friendly and easygoing. Having had a clear undercut styled haircut, he just wore a long-sleeved V-neck white tee, jeans and a pair of Nike sneakers. The directors’ dress style was mainly smart casual. They parted with Andrew and went to have their own breakfast first, while Andrew mingled with the participants with a smiley face under the protection of two bodyguards and his assistant. Some participants requested taking selfies with him and he welcomed it.

This time he would not only attract the eyeballs of his fans and the press. The tech world would soon go abuzz about his company’s new product, the sharp black V10 Spectacles he was currently wearing. They were not only waterproof, but capable of shooting longer videos and livestreaming what the wearer saw onto VidChat. The large screens at the scene were showing a high-resolution footage of what he was seeing, and it was at the same time being livestreamed to his own fans on his official account.

He may be a secretive introvert, but it did not mean he did not know how to pitch and sell his product. Some reporters anticipating the news immediately captured the scene. He was the target of their cameras’ limelights. He did answer some of their questions, but an assistant intervened and asked them to interview him instead after the opening of the hackathon. Then they were directed to the press seats.

Just right after the reporters left him, he noticed Kyle. ‘I hope you like my new Spectacles. A friend of mine has just come to visit me. See you again at the opening,’ he casually said goodbye to his fans and logged out. He then took away his Spectacles and made sure both his smartphone and the spectacles were offline. He came to sit opposite Kyle at his table without regard of the other people turning their eyes to them. ‘Kyle, can’t believe you’re here. How’s it going?’ he just greeted him warmly, as though he saw him as a very good friend.

Lucky me. I was quick enough. Otherwise all people on the spot know I’m here to dig up his dirt. He secretly sighed with relief. As his target had just come into his way, he seized this valuable chance to get into contact with him. ‘I’m doing ok. I’ve just quit my job, and the development in my hometown’s tech scene is too slow, so I am seeking opportunities overseas. That’s why I’m here.’

‘That sounds great. It’s better to leave the sad place for a while, isn’t it?’ Andrew’s dark blue eyes are as tranquil as the quiet ocean, and they seem to wield the power to soothe people’s worries. His voice was quite captivating. ‘As this is your first time to come to Silicon Valley, I should invite you to my home for a meal.’

‘I’m afraid this might disturb you. Would it be better to meet at a restaurant near your office?’

‘Sorry to tell you that it might not be a good idea. We’ve moved most of our offices to Venice. That’s where Zap’s headquarters is. It’s good to be its neighbour and enjoy its prettier seaview.’ The cutthroat competition between VidChat and Zapchat was too well-known in the global tech scene. They struggled hard to persuade companies to place social ads and entertainment content on their platforms. Competing head-to-head for speed in updates on camera functions, their apps’ interface, camera filters, AR effects to attract users and production of the latest VR goggles and other compatible hardware is just their usual business. Not long after Zap Inc.’s IPO, Vid rose as if out of nowhere. The two companies’ founders were below thirty, and they shared bitter rivalry. When Andrew finally moved to Venice, sparks of enmity would surely erupt. ‘Palo Alto’s office is now just the place to organize hackathons here. I ‘ll not work there. After the opening I’ll first return to Venice.’

Venice…..This means LA? If his Palo Alto office is only a place for running their hackathons, then why was it the origin of the virus? Is he trying me to bar me from investigating it there?

Kyle was a bit disappointed with this answer, but as the target was right in front of him, he did not wish to give up. And it seemed God listened to him. ‘But well, I’ll still be here when the hackathon ends. That means we’ll have more time to meet.’ Andrew seemed quite enthusiastic about more contact with Kyle. ‘How about coming over to my house for lunch? Is 12pm on November 30 ok with you? I ‘ll still have to stay in Palo Alto to pack my stuff before moving to Venice, so it’s still ok for me to have a lunch with you and take you around Palo Alto.’

‘It’s very nice of you. Thank you.’ Kyle decided to wait and observe as Andrew appeared to welcome his visit. If he had any intelligence and was even a member of Olympus, he may give away some leads.

‘Andrew, sorry to interrupt. The time for the opening speech will come soon. You still haven’t had anything, ’ Andrew’s assistant had been waiting for them for some time and he finally intervened.

‘Sorry, I have to go. I hope you’ll enjoy the hackathon.’ Before leaving both men shared their contact details and VidChat’s accounts.

Kyle had a hard time as the hackathon progressed, as it requires participants to innovate within a very short time frame. The organizer only revealed the hackathon’s theme during the opening speech: new application of VR/AR. Kyle was paired with three steadfast Indian postgraduates who apparently knew nothing about fatigue. And they decided to create an AR exchange platform based on VidChat’s interface. This really just tested Kyle’s limited coding and hardware engineering knowledge and his ability to stay awake. They just worked on this project non-stop. When the hackathon finally ended, they celebrated and bade farewell to each other at a nearby pub. Even though he disliked alcohol, he still sipped two glasses of tequila before returning to his suite.

He had a shower and got dressed after a sound sleep. After having another big breakfast, he took a cab to Andrew’s home on Palo Alto Hills.

This meeting won’t be that simple. He shouldn’t have been so passionate about inviting a mere acquaintance to his home.

@writing-and-snark @requiemesque @ill-write-when-im-dead @adie-dee @thingswaitingtobewritten

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cpsadomaso-blog · 5 years

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husheduphistory · 5 years

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A.P. Giannini: Banking, (Re)building, and the Crafting of California

When the sun sank over San Francisco on April 18th 1906 most people were wondering if light would ever return to their lives. At 5:12 a.m. that morning residents felt a shock shortly before their world came crumbling down. The 1906 San Francisco Earthquake crushed the city with a magnitude of 7.9 that flattened buildings, uprooted roads, and caused uncontrollable fires that raged freely due to broken water mains leaving the fire department with few options to retaliate.

The city would rebuild, but to do so people needed funding. Their first steps to a new life were taken toward the neighborhood of North Beach.

Amadeo Pietro “A.P” Giannini was born on May 6th 1870 in San Jose, California. His father Luigi was an Italian immigrant, lured to the states by the California Gold Rush in 1849 before returning to his home country in order to marry Virginia Demartini. The pair eventually returned to California and in 1872 Luigi bought a farm to grow fruits and vegetables launching his career in produce.

The growing and selling of produce was a family business for Luigi, Virginia, and their two children but they were hit by an unexpected blow when Luigi was shot and killed by one of his employees over a wages dispute. The business continued under the helm of Virginia and her children but in 1880 Virginia married Lorenzo Scatena officially rebranding their family business as L. Scatena & Co.

Amadeo Giannini grew to be successful in the family business and beyond working as a produce broker, commission merchant, and produce dealer for farms in the Santa Clara Valley region. At the age of thirty-one he left the produce industry and became director of the Columbus Savings & Loan, a business his late father-in-law owned an interest in. Banking was a new career for Giannini but he quickly saw underutilized opportunities to serve the booming immigrant population of San Francisco. Banks at the time only catered to big businesses and the wealthy, turning a blind eye to those who did not have a bank and depended on themselves to protect their savings. The other bank directors did not agree with Giannini’s ideas to reach out to the immigrant population and in frustration Giannini left the company. If this bank would not help those who needed it most, he would do it himself.

A.P. Giannini

In the summer of 1904 Giannini and five other Italian businessmen opened the Bank of Italy inside a single-room converted saloon, even hiring a former bartender as a teller. From the beginning Giannini’s practices were drastically unorthodox. Unlike other banks who shunned reaching out to find new clients Giannini did everything possible to reach out to the people who had never had a bank or who had been turned down due to big bank egos. He walked door-to-door and approached people in the street offering savings accounts, loans as low as $25, mortgages, credit, and an opportunity to earn interest on savings. He wanted his bank to be for the hardworking “little fellow”, stating that he judged people not by their wealth, but by their character. Along the way he interacted deeply with the people, explaining in full how banking works, the benefits of his bank, and encouraging people that banking with gold and silver was far safer than keeping their hard-earned money unprotected in their own homes. Among his first clients were immigrants, the poor, farmers, small businesses, women, and minorities. Within the first year deposits reached what would equate to nearly ninety million dollars today.

When the earthquake hit San Francisco on that early April morning Giannini knew his single-room bank was holding the financial lives of too many people to risk any damage. Using a garbage cart from Scatena & Co. he loaded up what would amount to just under two million dollars today, covered it in orange crates, and navigated the streets that were crumbling into chaos and quickly falling prey to not only the natural disaster but also to looters and thieves. Giannini made it back to his home outside the city and until the danger dissipated he hid the entire financial foundation of San Francisco inside his fireplace.

The level of destruction left behind by the earthquake was unimaginable. The city was flattened, torn apart at the seams, and scorched leaving people wondering how they would ever return to anything resembling normal. People lost everything but in order to take a step in any direction they would need their money. The problem was that they could not get to it. The large metal bank vaults were turned into mini infernos from the fires and even though the money inside may have made it through intact, they could not be safely opened without risking the contents inside. The cooling process could take weeks. As a result, almost every large bank in San Francisco was forced to shut down with their futures in limbo. The only banker that has access to his client’s funds was Giannini. Within days after the earthquake Giannini was in the North Beach neighborhood with a plank of wood sitting across two barrels taking deposits and giving out rebuilding loans signed for with a handshake. The Bank of Italy, the bank for the “little fellow”, was open for business.

Aftermath of the San Francisco earthquake.

The San Francisco Earthquake was not the only upheaval that Giannini was able to navigate through due to his unusual business practices, instinct, and absolute faith in the common man. When the financial crisis of the Panic of 1907 hit the country the Bank of Italy patrons were protected. Months before the Panic Giannini had been hearing about possible issues at the New York Stock Exchange and he began campaigning for people to make deposits while working toward increase his gold reserves. When the stock exchange fell nearly 50% in October 1907 the ripple effect hit banks across the country hard but Giannini’s foresight and planning meant that all the assets in his bank were safe. While other banks around the country were forced to place limits on banking or close down, his clients were safe and were able to continue on as usual.

Giannini founded his bank to give opportunities to people and in 1909 the pool of potential clients became infinitely deep when California passed laws allowing the establishment of bank branches. The first branch of the Bank of Italy opened in San Jose, California in October 1909 and within a decade it became the first statewide branch banking system in the United States with twenty-four branches possessing more than ninety-three million dollars in assets. After several years of acquiring and consolidating, in 1928 Giannini merged his bank with Bank of America and other bank branches to create what would become the largest banking institution in the country. On November 3, 1930 the Bank of Italy was officially renamed Bank of America National Trust and Savings Association, today known as simply Bank of America.

Giannini had success and wealth that few people could imagine but for the produce manager turned banking mogul this just meant he could help on a grander scale than ever before. With two barrels and a wooden plank he helped rebuild San Francisco and his further efforts continued to mold the state of California. In 1923 the place now considered the home of Hollywood was still new to the entertainment industry with less than two decades of filmmaking under its belt. It was in this year that Giannini’s banks created a motion picture loan division to help encourage the new industry’s growth. The loans given out by his banks did more that encourage, it helped to ignite the film industry in California with backing going toward hundreds of films. Funding also went to Charlie Chaplin, Douglass Fairbanks, Mary Pickford, and D.W. Griffith in order to solidify the United Artists Corporation which is still operating today. In 1937 Bank of America was approached for another loan, this one for 1.7 million in order to finish production on a groundbreaking film. The film was Snow White and the Seven Dwarfs, the first ever full-length animated feature. Armed with the funding needed to complete the endeavor, Walt Disney was able to finish Snow White and present it to the world on February 4th 1938. Bank of America went on to finance the production of Bambi, Cinderella, Dumbo, Fantasia, Peter Pan, and Pinocchio. Decades later Bank of America also financed the construction of Disneyland and Disney World.

The scene outside the Carthy Circle Theater at the premier of Snow White and the Seven Dwarfs.

Another one of A.P. Giannini’s contributions to California was one that literally brought two parts of the state together. In the 1920s the only way to get from Marin County to San Francisco was to take a ferry across the San Francisco Bay. An engineer named Joseph Strauss saw the imminent problems with only relying on a waterway connection and he developed a plan for a suspension bridge that would stretch across the bay linking Marin and San Francisco. Unfortunately, the Wall Street Crash of 1929 was a very recent memory and many people did not have faith that the extravagant (and expensive) plan would work. Strauss faced multiple lawsuits from skeptics and special interest groups that drained his finances. Strauss approached Giannini, telling him that he was the last hope for the construction of the bridge. Giannini had one question for Strauss, how long would this bridge stand? Strauss’s answer was “Forever!” and it was enough of an answer for Giannini to agree to fund the construction of what he considered to be a crucial addition to the state of California. Construction on the Golden Gate Bridge began in January 1933 and it was completed and opened on May 27th, 1937.

Opening day of the Golden Gate Bridge on May 27th 1937.

The list of causes funded and founded by A.P. Giannini is extensive and includes the foundation of the Giannini Foundation of Agricultural Economics at the University of California, rebuilding Fiat factories lost in Italy during WWII, providing capital to William Hewlett and David Packard to help form Hewlett-Packard, and on his 75th birthday he created and endowed the A. P. Giannini Foundation with a personal gift of nearly $500,000 to support research into the discovery and treatment of human diseases. If he chose to, he could have been a billionaire but that was a title that he avoided at all costs, working without pay and donating yearly bonuses to causes he believed in. Giannini had a distaste for extreme wealth and believed it would only lead to him becoming out of touch and unable to help people. “Money itch is a bad thing,” he once commented, “I never had that trouble.”

When A.P. Giannini died on June 3rd 1949 his estate was worth $500,000, a fraction of what it could have been, and definitely more than he wanted it to be.

A.P. Giannini grew into a force of change in not only his home state, but across the world. He rebuilt cities, sheltered his clients through multiple financial storms, and went on to have a hand in pouring the foundations of numerous parts of daily life today including banking, films, amusement parks, medical research, landmarks, and wine produced in California, just to name a few.

There are few entrepreneurs with his level of success and involvement, let alone in so many fields. From banking on barrels in the earthquake ravaged streets of San Francisco to giving footing to Disney and establishing foundations dedicated to defeating disease, A.P. Giannini became a giant…without ever forgetting the “little fellow.”

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gordonwilliamsweb · 4 years

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California Hospitals Face Surge With Proven Fixes And Some Hail Marys

California’s hospitals thought they were ready for the next big disaster.

They’ve retrofitted their buildings to withstand a major earthquake and whisked patients out of danger during deadly wildfires. They’ve kept patients alive with backup generators amid sweeping power shutoffs and trained their staff to thwart would-be shooters.

But nothing has prepared them for a crisis of the magnitude facing hospitals today.

“We’re in a battle with an unseen enemy, and we have to be fully mobilized in a way that’s never been seen in our careers,” said Dr. Stephen Parodi, an infectious disease expert for Kaiser Permanente in California. (Kaiser Health News, which produces California Healthline, is not affiliated with Kaiser Permanente.)

As California enters the most critical period in the state’s battle against COVID-19, the state’s 416 hospitals — big and small, public and private — are scrambling to build the capacity needed for an onslaught of critically ill patients.

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Hospitals from Los Angeles to San Jose are already seeing a steady increase in patients infected by the virus, and so far, hospital officials say they have enough space to treat them. But they also issued a dire warning: What happens over the next four to six weeks will determine whether the experience of California overall looks more like that of New York, which has seen an explosion of hospitalizations and deaths, or like that of the San Francisco Bay Area, which has so far managed to prevent a major spike in new infections, hospitalizations and death.

Some of their preparations share common themes: Postpone elective surgeries. Make greater use of telemedicine to limit face-to-face contact. Erect tents outside to care for less critical patients. Add beds — hospital by hospital, a few dozen at a time — to spaces like cafeterias, operating rooms and decommissioned wings.

But by necessity — because of shortages of testing, ventilators, personal protective equipment and even doctors and nurses — they’re also trying creative and sometimes untried strategies to bolster their readiness and increase their capacity.

In San Diego, hospitals may use college dormitories as alternative care sites. A large public hospital in Los Angeles is turning to 3D printing to manufacture ventilator parts. And in hard-hit Santa Clara County, with a population of nearly 2 million, public and private hospitals have joined forces to alleviate pressure on local hospitals by caring for patients at the Santa Clara Convention Center.

Yet some hospitals acknowledge that, despite their efforts, they may end up having to park patients in hallways.

“The need in this pandemic is so different and so extraordinary and so big that a hospital’s typical surge plan will be insufficient for what we’re dealing with in this state and across the nation,” said Carmela Coyle, president and CEO of the California Hospital Association.

Across the U.S., more than 213,000 cases of COVID-19 have been confirmed, and at least 4,750 people have died. California accounts for more than 9,400 cases and at least 199 deaths.

Health officials and hospital administrators are singling out April as the most consequential month in California’s effort to combat a steep increase in new infections. State Health and Human Services Secretary Mark Ghaly said Wednesday that the number of hospitalizations is expected to peak in mid-May.

Gov. Gavin Newsom said there were 1,855 COVID-19 cases in hospitals Wednesday, a number that had tripled in six days, and 774 patients in critical care. By mid-May, the number of critical care patients is expected to climb to 27,000, he said.

Newsom said the state needs nearly 70,000 more hospital beds, bringing its overall capacity to more than 140,000 — both inside hospitals and also at alternative care sites like convention centers. The state also needs 10,000 more ventilators than it normally has to aid the crush of patients needing help to breathe, he said, and so far has acquired fewer than half.

Newsom and state health officials worked with the Trump administration to bring a naval hospital ship to the Port of Los Angeles, where it is already treating patients not infected with the novel coronavirus. The state is working with the Army Corps of Engineers to deploy eight mobile field hospitals, including one in Santa Clara County. And it is bringing hospitals back online that were shuttered or slated to close, including one each in Daly City, Los Angeles, Long Beach and Costa Mesa.

The governor is also drafting a plan to make greater use of hotels and motels and nursing homes to house patients, if needed.

But the size of the surge that hits hospitals depends on how well the public follows social distancing and stay-at-home orders, said Newsom and hospital administrators. “This is not just about health care providers caring for the sick,” said Dr. Steve Lockhart, the chief medical officer of Sutter Health, which has 22 hospitals across Northern California.

While hospitals welcomed the state assistance, they’re also undertaking dramatic measures to prepare on their own.

“I’m genuinely very worried, and it scares me that so many people are still out there doing business as usual,” said Chris Van Gorder, CEO of Scripps Health, a system with five major hospitals in San Diego County. “It wouldn’t take a lot to overwhelm us.”

Internal projections show the hospital system could need 8,000 beds by June, he said. It has 1,200.

In addition to taking precautions to protect its health care workers — such as using baby monitors to observe patients without risking infection — it is working with area colleges to use dorm rooms as hospital rooms for patients with mild cases of COVID-19, among other efforts, he said.

“Honestly, I think we should have been better prepared than we are,” Van Gorder said. “But hospitals cannot take on this burden themselves.”

Van Gorder and other hospital administrators say a continued shortage of COVID-19 tests has hampered their response — because they still don’t know exactly which patients have the virus — as has the chronic underfunding of public health infrastructure.

Kaiser Permanente wants to double the capacity of its 36 California hospitals, Parodi said. It is also working with the garment industry to manufacture face masks, and eyeing hotel rooms for less critical patients.

Harbor-UCLA Medical Center, a 425-bed safety-net hospital in Los Angeles, is working to increase its capacity by 200%, said Dr. Anish Mahajan, the hospital’s chief medical officer.

Harbor-UCLA is using 3D printers to produce ventilator piping equipped to serve two patients per machine. And in March it transformed a new emergency wing into an intensive care unit for COVID-19 patients.

“This was a shocking thing to do,” Mahajan said of the unprecedented move to create extra space.

He said some measures are untested, but hospitals across the state are facing extreme pressure to do whatever they can to meet their greatest needs.

In March, Stanford Hospital in the San Francisco Bay Area launched a massive telemedicine overhaul of its emergency department to reduce the number of employees who interact with patients in person. This is the first time the hospital has used telemedicine like this, said Dr. Ryan Ribeira, an emergency physician who spearheaded the project.

Stanford also did some soul-searching, thinking about which of its staff might be at highest risk if they catch COVID-19, and has assigned them to parts of the hospital with no coronavirus patients or areas dedicated to telemedicine. “These are people that we might have otherwise had to drop off the schedule,” Ribeira said.

Nearby, several San Francisco hospitals that were previously competitors have joined forces to create a dedicated COVID-19 floor at Saint Francis Memorial Hospital with four dozen critical care beds.

The city currently has 1,300 beds, including 200 ICU beds. If the number of patients surges as it has in New York, officials anticipate needing 5,000 additional beds.

But the San Francisco Bay Area hasn’t yet seen the expected surge. UCSF Health had 15 inpatients with COVID-19 Tuesday. Zuckerberg San Francisco General Hospital and Trauma Center had 18 inpatients with the disease Wednesday.

While hospital officials are cautiously optimistic that local and state stay-at-home orders have worked to slow the spread of the virus, they are still preparing for what could be a major increase in admissions.

“The next two weeks is when we’re really going to see the surge,” said San Francisco General CEO Susan Ehrlich. “We’re preparing for the worst but hoping for the best.”

This KHN story first published on California Healthline, a service of the California Health Care Foundation.

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stephenmccull · 4 years