Wednesday, February 8, 2017

'This Is Working',,,,,How is Portugal War on drugs looks like after 12 years

This is a publication that talk about how Portugal's take on war on drugs... unlike the one that's happening right now in Philippines, where the "small time" drug users were targeted and killed in broad day light! But the 'big fish' are becoming 'untouchable' and is protected under the law...

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Portugal, 12 Years after Decriminalizing Drugs



Twelve years ago, Portugal eliminated criminal penalties for drug users. Since then, those caught with small amounts of marijuana, cocaine or heroin go unindicted and possession is a misdemeanor on par with illegal parking. Experts are pleased with the results.

Before he got involved in the global war on drugs, João Goulão was a family physician with his own practice in Faro, on Portugal's Algarve coast. Arriving in his small office in Lisbon, the 58-year-old tosses his jacket aside, leaving his shirt collar crooked. He looks a little tired from the many trips he's taken lately -- the world wants to know exactly how the experiment in Portugal is going. Goulão is no longer able to accept all the invitations he receives. He adds his latest piece of mail to the mountain of papers on his desk.
From this office, where the air conditioning stopped working this morning, Goulão keeps watch over one of the world's largest experiments in drug policy.
One gram of heroin, two grams of cocaine, 25 grams of marijuana leaves or five grams of hashish: These are the drug quantities one can legally purchase and possess in Portugal, carrying them through the streets of Lisbon in a pants pocket, say, without fear of repercussion. MDMA -- the active ingredient in ecstasy -- and amphetamines -- including speed and meth -- can also be possessed in amounts up to one gram. That's roughly enough of each of these drugs to last 10 days.
These are the amounts listed in a table appended to Portugal's Law 30/2000. Goulão participated in creating this law, which has put his country at the forefront of experimental approaches to drug control. Portugal paved a new path when it decided to decriminalize drugs of all kinds.
"We figured perhaps this way we would be better able get things under control," Goulão explains. "Criminalization certainly wasn't working all that well."

Much the Same as a Parking Violation

As part of its war on drugs, Portugal has stopped prosecuting users. The substances listed in the Law 30/2000 table are still illegal in Portugal -- "Otherwise we would have gotten into trouble with the UN," Goulão explains -- but using these drugs is nothing more than a misdemeanor, much the same as a parking violation.
Why set the limits on these drugs at 10 days' worth of use, though?
"Well, it's a limit, which by its nature is arbitrary," Goulão says. Now the head of Portugal's national anti-drug program and an important figure in Portuguese health policy, he still talks like an easygoing family doctor. Arrayed on Goulão's windowsill are photographs, including one of him with Richard Branson, the British billionaire and hot air balloon operator. Another shows Goulão with the king of Spain. Both these men have received personal briefings on Portugal's new drug program from Goulão.
"At the point when we designed the law, we had hardly any data to draw on," Goulão relates. "We weren't the least bit certain this would work."
The question at stake: How can a government keep its citizens from taking dangerous drugs? One way is to crack down on those who provide the drugs -- the cartels, the middle men and the street dealers. Another approach is to focus on the customers -- arresting them, trying them and imprisoning them. Legal prosecution -- as both a control mechanism and a deterrent -- is the chosen approach for most governments.

Giving Up on the Idea of a Drug-Free World

"It's important that we prevent people from buying drugs, and taking drugs, using every method at our disposal," says Manuel Pinto Coelho, 64, the last great opponent of Goulão's experiment. Pinto Coelho wants his country to return to normalcy, in the form of the tough war on drugs that much of the rest of the world conducts.
Pinto Coelho is a doctor too. He has run rehab centers and written books about addiction. Now he's at odds with former colleagues and with "the system," as he says.
His greatest concern is that his country has given up on the idea of a drug-free world. How, Pinto Coelho asks, is it possible to keep young people away from drugs, when everyone knows exactly how many pills can legally be carried around? He still believes deterrents are the best form of prevention and that cold turkey withdrawal is the best treatment method. He is also fighting the extensive methadone program Portugal began as part of its drug policy reform, which now provides tens of thousands of heroin addicts with this substitute drug.
These days, Pinto Coelho earns his living running diet clinics, but he spends his evenings writing letters and drafting presentations on his country's "absurd drug experiment." He travels to symposiums to warn the rest of the world of its dangers. At home in Portugal, his critical perspective has made him an outsider, but he says he's been well received abroad. As if offering proof, he shows a fact sheet issued by the United States Office of National Drug Control Policy, a brief and skeptically worded report on the Portuguese experiment.

The Freedom that Overwhelmed the Country

When João Goulão wants to explain why it is Portugal in particular that came up with the idea to stop prosecuting drug users, he starts with the country's Carnation Revolution.
In 1974, Portugal broke free from nearly 50 years of military dictatorship, a political shift symbolized by the carnations soldiers stuck in the muzzles of their rifles."Suddenly, the drugs were there," Goulão says, as Portuguese returning from the country's overseas colonies brought marijuana with them. Goulão, too, says he smoked pot back then. He was in his early twenties and "drugs promised us freedom."
But it was a freedom that soon overwhelmed the country. When Goulão established his doctor's practice in Faro, he soon found himself approached by parents whose children were no longer just smoking joints, but had moved on to heroin. Sometimes the children came to him as well, and Goulão had no idea how to treat them. When the first state-run rehab clinic opened in Lisbon, Goulão attended a training course there.
At that point, he says, the heroin epidemic was just beginning.
In the 1980s, cheap heroin from Afghanistan and Pakistan began flooding Europe. Portugal was not the only country affected, but Goulão says his nation was hit particularly hard, because people here had little idea how to handle drugs. "We were naïve," he says.
The number of people taking illegal drugs in Portugal was low compared with other countries, but of those who did consume drugs, an unusually high number of them fell into the category that specialists in this field refer to as "problem drug users."
From the pile of papers on his desk, Goulão unearths a copy of a speech he recently gave in Paris. Flipping through it, he finds the figure he's looking for: 100,000. This is the number of severely drug-addicted people in Portugal at the height of the epidemic, in the mid-1990s. Portugal's total population at the time was just under 10 million. The number of drug addicts who became infected with HIV was also considerably higher than in most other countries.
A drug slum formed in Lisbon, at the edge of a neighborhood known as Casal Ventoso. Here junkies slept in shacks or in the garbage, in extremely poor conditions. "They shot up on the street, and they died on the street," Goulão says. Anyone in Portugal could observe this phenomenon -- on TV, in newspaper pictures or even from the nearby highway.

'Drug Users Aren't Criminals, They're Sick'

These were the conditions in the country at the point when the Portuguese government convened an anti-drug commission composed of 11 experts, including Goulão. Most of the members of the commission were not politicians.
"Drug users aren't criminals, they're sick," Goulão says. Not everyone agrees -- Pinto Coelho, for example. But the anti-drug commission quickly agreed on this position, which formed the basis for Portugal's experiment in dealing with drug users without dealing in deterrents. Goulão repeats that statement often, as do members of his staff within the anti-drug program, as well as doctors at state-run drug clinics. More surprising is that a Lisbon police commissioner, whose officers spend their days searching for drugs, says it too.
The logical extension of this statement is that people who are not criminals should not be treated as criminals. They should not be arrested, put on trial or thrown in jail. The punishment for drug possession in Portugal prior to decriminalization was up to a year in prison.
The Portuguese experiment has been in action since Law 30/2000 went into effect nearly 12 years ago, and Goulão's staff is currently calculating how much money the country's judicial system has saved, in its courts and prisons, now that it no longer has to process individuals the police catch with a few grams of drugs.
"The police still search people for drugs," Goulão points out. Hashish, cocaine, ecstasy -- Portuguese police still seize and destroy all these substances.
Before doing so, though, they first weigh the drugs and consult the official table with the list of 10-day limits. Anyone possessing drugs in excess of these amounts is treated as a dealer and charged in court. Anyone with less than the limit is told to report to a body known as a "warning commission on drug addiction" within the next 72 hours.

The Second Time Brings Consequences

In Lisbon, for example, the local drug addiction commission is housed on the first floor of an unremarkable office building. The idea is that no one should feel uncomfortable about being seen here. A 19-year-old in a white polo shirt waits in one room. Police caught him over the weekend with about a gram of hashish. A social worker has already questioned him for half an hour and learned that he attended vocational training at an agricultural school, lives with his parents and smokes pot now and then. This was the first time he was caught in possession of drugs.
"Social user, no risk factors present," the social worker notes.
Next, a psychologist and a lawyer speak to the young man. They want to know if he's aware of the dangers of cannabis.
"Yeah, yeah, from school," he says. "We had a class on prevention."
As long as he isn't caught again within the next three months, his case will be closed. "We won't inform anyone that you were here and this won't go on your record," the lawyer explains. "But if it happens a second time, there are serious consequences."
But later, asked to explain these consequences in more detail, nothing comes to her mind that sounds particularly serious. A couple days of community service, perhaps. The commission can also impose fines, but the lawyer says it doesn't like to do so for teenagers. The fines are likewise not intended for people the commission determines to be addicts -- they're already paying to maintain their habit. "Our most important duty is to invite people to participate in rehab," she explains. Lisbon police send around 1,500 people to the commission each year, which averages out to less than five a day. Seventy percent of these cases concern marijuana. Those who fail to turn up receive a couple of reminders, but coercion is not an intended part of this system.

Decriminalization, Not Legalization

Warnings, reminders and invitations to rehab -- it seems Portugal's war on drugs is a gentle one. "Humanistic and pragmatic" is how João Goulão describes the new program. It is based on decriminalization, which should not be confused with legalization. Portugal considered that path too, but ultimately decided not to take things quite that far.
When Portugal's parliament was debating the proposed Law 30/2000, representatives of right-wing parties declared that planes would start arriving in the country daily, full of people looking for an easy opportunity to pump themselves full of drugs. Our entire country will become a drug-ridden slum, these parties said. The left-wing parties in parliament held a majority, though.
Goulão sits in his office and pages through charts, tables and graphs that are just some of the great quantity of data his team has collected over the years.
The data show, among other things, that the number of adults in Portugal who have at some point taken illegal drugs is rising. At the same time, though, the number of teenagers who have at some point taken illegal drugs is falling. The number of drug addicts who have undergone rehab has also increased dramatically, while the number of drug addicts who have become infected with HIV has fallen significantly. What, though, do these numbers mean? With what exactly can they be compared? There isn't a great deal of data from before the experiment began. And, for example, the number of adults who have tried illegal drugs at some point in their lives is increasing in most other countries throughout Europe as well.

Running Out of Money

"We haven't found some miracle cure," Goulão says. Still, taking stock after nearly 12 years, his conclusion is, "Decriminalization hasn't made the problem worse."
At the moment, Goulão's greatest concern is the Portuguese government's austerity policies in the wake of the euro crisis. Decriminalization is pointless, he says, without being accompanied by prevention programs, drug clinics and social work conducted directly on the streets. Before the euro crisis, Portugal spent €75 million ($98 million) annually on its anti-drug programs. So far, Goulão has only seen a couple million cut from his programs, but if the crisis in the country grows worse, at some point there may no longer be enough money.
It is simply by chance that the European Monitoring Center for Drugs and Drug Addiction (EMCDDA) has its headquarters in Lisbon. Frank Zobel works here, analyzing various approaches to combating drugs, and he says he can observe "the greatest innovation in this field" right outside his office door.
No drug policy, Zobel says, can genuinely prevent people from taking drugs -- at least, he is not familiar with any model that works this way. As for Portugal, Zobel says, "This is working. Drug consumption has not increased severely. There is no mass chaos. For me as an evaluator, that's a very good outcome."

Translated from the German by Ella Ornstein

Friday, January 20, 2017

Mark Zuckerberg sues 100s of Hawaiians

Mark Zuckerberg


Mark Zuckerberg

Mark Zuckerberg fired back at "misleading stories" about the 700 acres of Hawaiian property he paid $100 million for in a post on his Facebook page Thursday.
The Facebook CEO has filed quiet title actions in court against a few hundred Hawaiians who have partial legal-ownership claims to parcels of land sprinkled throughout his vacation estate on the island of Kauai.
The families who have been sued collectively inherited 14 parcels of land through the Kuleana Act, a Hawaiian law established in 1850 that for the first time gave natives the right to own the land that they lived on.
In his Facebook post, Zuckerberg said the lawsuits were simply a way to find the various owners, some of whom are descendants that have ownerships rights to 1/4% or 1% of a property and don't even know it. 
The so-called quiet title suits are designed to "find all these partial owners so we can pay them their fair share," Zuckerberg said.
"For most of these folks, they will now receive money for something they never even knew they had," he said. "No one will be forced off the land."
"We are working with a professor of native Hawaiian studies and long time member of this community, who is participating in this quiet title process with us," he continued. "It is important to us that we respect Hawaiian history and traditions."
Zuckerberg, his wife Priscilla Chan, and their daughter Max last vacationed on their Kauai property in December.
You can read Zuckerberg's full post from Thursday below:

ori


Story originally appeared on Yahoo

The U.S. Army on Thursday awarded Sig Sauer a contract worth $580 million on P320 handgun


Sig Sauer P320


The U.S. Army on Thursday awarded Sig Sauer a contract worth $580 million to make the next service pistol based on the company's P320 handgun.
Sig Sauer beat out Glock Inc., FN America and Beretta USA, the maker of the current M9 9mm service pistol, in the competition for the Modular Handgun System, or MHS, program.
"We are both humbled and proud that the P320 was selected by the U.S. Army as its weapon of choice," Ron Cohen, chief executive officer of Sig Sauer, said in a statement to Military.com here at SHOT Show, the world's largest gun show, taking place this week in the city.
"Securing this contract is a testimony to Sig Sauer employees, their commitment to innovation, quality and manufacturing the most reliable firearms in the world," Cohen added.
The Army launched its long-awaited XM17 MHS competition in late August 2015 to replace its Cold War-era M9 9mm pistol.
"By maximizing full and open competition across our industry partners, we have optimized private sector advancements in handguns, ammunition and magazines, and the end result will ensure a decidedly superior weapon system for our warfighters," Army Acquisition Executive Steffanie Easter said said in a press release.
One of the major goals of the effort was to adopt a pistol chambered for a more potent round than the current 9mm. The U.S. military replaced the .45 caliber 1911 pistol with the M9 in 1985 and began using the 9mm NATO round at that time.
In their statements, Army and Sig officials didn't specify what caliber the new Sig Sauer pistol will be.
Sig touts the P320 model product as "modular" and "adaptable," with interchangeable grips, multiple sizes and calibers that can be converted between 9mm, .357SIG and .40SGW. "From calibers, to pistol size, to the grip fit best suited for the shooter, the P320 is the most adaptable pistol available today," the company says in promotional materials.
Two sources confirmed to Military.com that Sig submitted to the Army .40-caliber and 9mm pistols for consideration. One source said the Army ultimately selected the 9mm version.
Shortly after the contract announcement, Sig officials celebrated here at  the show. Staff at the Sig Sauer booth set out champagne flutes for a celebratory toast.
The Army in December down-selected to two finalists for the competition: Sig and Glock, which had submitted its Glock 17 and Glock 19 models for consideration. Given the size of the contract, Glock is widely expected to protest the decision.
Brandie Collins, communications manager for Glock, said she had not been briefed on the contract award but wished the winners well.
Army officials informed Beretta USA and FN America at the show that they had been dropped from the competition in the recent down-select decision, according to a service source who is not authorized to speak to the press. But confusion reigned as reporters informed company officials of the Army's announcement.
The decision formally ends the Beretta's 30-year hold on the Army's sidearm market.
Gabrielle de Plano, vice president of Beretta Defense Technologies marketing and operations, said staff were still reading through the contract announcement to fully understand it.
"It's going to have to be a no comment from us for now," he said.
Beretta has fought hard to remain to remain the Army's pistol maker. In December 2014, Beretta USA submitted its modernized M9A3 as a possible alternative to the Army's Modular Handgun System program.
But the Army rejected the improved M9A3, which featured new sights, a rail for mounting lights and accessories, better ergonomics and improved reliability. The company, however, wasn't finished yet. It developed a new striker-fired pistol, the APX, and entered it into the competition.
Kristina DeMilt, public relations for FN, said officials at the show hadn't been informed of the award and were not immediately prepared to comment.
The Army began working with the small arms industry on Modular Handgun System in early 2013, but the joint effort has been in the works for more than five years. It could result in the Defense Department buying nearly 500,000 new pistols.
Current plans call for the Army to purchase more than 280,000 handguns, according to Program Executive Office Soldier officials. The Army also plans to buy approximately 7,000 sub-compact versions of the handgun.
The other military services participating in the program may order an additional 212,000 systems above the Army quantity.
"As MHS moves forward into operational testing, the due diligence taken by all of the stakeholders will ensure a program that remains on-budget and on-schedule," Easter said.
Lawmakers may be eager to hear such an assessment.
During last week's confirmation hearing for retired Marine Gen. James Mattis to become defense secretary in the Trump administration, Republican Sens. Joni Ernst of Iowa and Thom Tillis of North Carolina took turns criticizing what they described as an overly bureaucratic effort, with technical requirements totaling several hundred pages.
This article originally appeared on Military.com

Thursday, January 19, 2017

The Fallacy of #CoryLeaks

In The Opinion column of the online 'newspaper' written by Carlos Munda, he made a headline that is sure to make traffic to his particular article tip to his favor. The Headlines as shown below "Declassified CIA Document reveals Cory Aquino's 1989 request for US "airstrikes" against Filipino soldiers." Which is not only unsubstantiated, but if you read further down the line on the document he published from the CIA declassified document, it clearly is the "The Los Angeles Times and the Wahington Post reported last weekend that the Aquino government asked for air strikes but the US officials refused because of political risk in killing Filipinos" Ramos told that the request is "in very general terms" as he puts it in his words.

Further more, he did not include the December 1,1989 document, which is also in that CIA library of declassified information. in which it should also be considered because he is not making a commentary and opinion on the "current events" but on the history that was made already. It is a fallacy to conclude one's action based on a single document alone. I call it irresponsible and biased view of things to favor his agenda. 

In the December 1 document, merely three days before the document he published and commented on, it says 

" The situation in Manila continues to be fluid. Press reporting indicated that rebel helicopter gunships have bombed Constabulary Headquarters at Camp Crame and AFP Headquarters at Camp Aguinaldo, and Cavite Naval Base is reportedly in rebel hands" 

This kind of situation should also be considered on his op-ed section since the report on the document which he refers to is after this event. Further it was said that the Australian, Canadian, Spanish and French governments have all issued strong statements of support. 

If you were the president at that time and almost all your army and navy strong holds are attacked and subjected to the rebel hands, what will you do then? Resign? and surrender it to the rebel? or ask the help of those willing to help you on the matters? Will you stand or just clip your wings? I do believe that the action on that matter by the late President is an action she deemed that time to be the best action she and his (remaining) generals can come up with. 

His kind of op-ed is therefore a biased reporting and not a good sign of being a good reporter on that matter by not diving deeper into the issues discussed. 

The bad side of this is that people mostly just read the headlines that you write  and if is somehow "catchy" and "controversial" and "conspiracy theory" people of the Philippines will love that story especially the facebook page of Ms Mocha Uson blog which has something like 4 Million followers who some of them blindly follow her lead as a "news source" but it is clear on her page that she is indeed not a journalist!

I implore all the journalist to be responsible for the op-ed they publish as to not damage people just for the sake of readership of their post. 

Final words. BE RESPONSIBLE IN YOUR REPORT.













Wednesday, January 18, 2017

Quest to save the Calumpang River in Batangas City

The Philippines passed a law Republic Act No. 9275 which is also known as "Philippine Clean Water Act of 2004". This law was signed and approved by former President Gloria Macapagal-Arroyo on March 22, 2004. It states:




The Mandate is clearly to protect bodies of water from pollution and to create a national Sewerage and septage management program as well as Domestic sewage Collection, Treatment and Disposal with the help of LGU, DPWH, DOH and other concerned agencies, shall emply septage or combined sewerage-septage management stystem.

The DOH was tasked to lead, with coordination with other government agencies, to formulate guidelines and standards for the collection, treatment and disposal of sewage including guidelines for the establishment and operation of centralized sewage treatment system.



Local government units shall share the responsibility in the management and improvement of water quality within their territorial jurisdictions.
Each local government unit shall within six (6) months after the establishment of the water quality management area action plan prepare a compliance scheme in, accordance thereof, subject to review and approval of the governing board.
Each local government unit shall, through its Environment and Natural Resources Office (ENRO) established in Republic Act No.7160, have the following powers and functions:
a) Monitoring of water quality;
b) Emergency response;
c) Compliance with the framework of the Water Quality Management Action Plan;
d) To take active participation in all efforts concerning water quality protection and rehabilitation; and
e) To coordinate with other government agencies and civil society and the concerned sectors in the implementation of measures to prevent and control water pollution: Provided, however, That in provinces/cities/municipalities where there are no environment and natural resources officers, the local executive concerned may, with the approval of the Secretary of the DENR designate any of his official and/or chief of office preferably the provincial, city or municipal agriculturist, or any of his employee: Provided, finally, That in case an employee is designated as such, he must have sufficient experience in environmental and natural resources management, conservation and utilization.
That being said, the following problems like the one in the picture below, should be addressed to ENRO and local government should formulate the Sewage Collection, Treatment and Disposal of the said pollutant, which if left unsolved and un attended will eventually flow into the Calumpang river and will further damage the river. 



Courtesy: Sandy Fondevilla (FB post)

Courtesy: Sandy Fondevilla (FB post)
Mayor Beverley of Batangas City should spearhead the initiative of giving the people of Batangas a cleaner River by allocating time and energy to study and further acquire the necessary land and facilities for the implementation of a much more centralized waste water management in the City of Batangas - not only in Poblacion but the whole City which discharges all the effluents and waste into a single river system.

It is just a matter of time before the fate of Pasig River be repeated in the Batangas City itself. 

Let us protect the environment not just by planting trees, but also cleaning up the waste water that we use before discharging it to the river. 

Most of you don't think that the simple bath soap that you use is harmful to river fish if it is left untreated. The more amount the soaps and oils and other human wastes that we discharges to the river directly, the more the environment becomes polluted. 

Let us all help and save the water from pollution. Water and air are the basic human needs - save them. 

#SaveCalumpang

Monday, January 16, 2017

Here's how to combat the "sangla ATM"? and How to Attract people to Open a Bank Account



Based on the BSP, 86% of the population does not have a bank account. BSP cited several reasons why Filipino does not have a bank account: No need for account, bank is too far, can't manage the account, service charge is too high.

The most common collateral for loans, based on the same survey, includes ATM card (40%), land title ( 23%), appliances (12%), car (8%) and crops (6%).

A typical Php 10,000 loan from the locally known as "sangla ATM" or payday loans, will require a payback of $12,000 in 4 months time - which is 20% interest.

It is indeed a lucrative business that attracts more and more people with money to lend. Two men operating their business in this model said that the money they should have earned in a typical work in a company for eight years, they just earn the same amount in less than a year. 

Financial Inclusion
The real challenge, according to Rosabel Guerrero, the director of Department of Economic Statistics at Bangko Sentral ng Pilipinas (BSP) is how the government can include millions of Filipinos in formal banking system in the country.





Source: ABS-CBN

Opinion

Since getting a bank loan requires a lot paper works which an ordinary Filipino doesn't even posses. Some of the ridiculous bank requirement to open an account is atleast two ID with photo. Most of the citizen just have one ID in their purse - that is Voter's ID of they are voting. 
So where the hell are they going to get another ID with photo? 
An ID issued by government should be sufficient to prove your identity.

Plus there are minimum amount which a person has to maintain in order for him.her to open an account as you can see on the table below.

Peso savings account in BDO

Once you did not met the required Monthly Average Daily Balance (MADB) - which is very high for some citizen since those balance will stay in the bank and cannot be withdrawn unless you have a deposit that will make the average equal to atleast Php 2,000. or else a fee of Php 300 will be deducted automatically to your account. in just about a span of 6 months, all your Php 2,000 will be gone if you left it in the bank untouched. So why do you have to save in the bank in the first place?

There is also this MADB minimum deposit to earn interest. For the said Prime Savers - it amounts to Php 5,000. You need to reach that number before an interest can be paid into your account. 

The simple question for ordinary people is: If they have Php 4,000 in their pocket - are they going to open a savings account knowing that it is a hassle to do so and there is no incentive of doing so since the money won't earn interest?




The only solution to the problem I think is to remove all those ridiculous fee on savings and reduce the "MDAB to earn interest" be the same as the MDAB. 
This should be the line that will determine whether your money is earning or not. If it falls below this line, you cannot earn interest - but will not give you penalty in keeping the account active to save you some hassle of closing the account if it falls below, and then opening another account once they have enough savings to do so. It's a hassle to do that, and most of the time - they won't even come back to open another.


ATM  loaners can be combated by the bank by offering the ATM holders of that particular bank the same service that the "Sangla ATM" operator is offering - only that they have the advantage since the payments passes thru their systems and networks, so they can easily monitor the funds (sweldo) and thus have an upper hand here, combined with a lower interest rate for the loans.


To put it simply... make the bank requirements SIMPLE and making loans to bank SIMPLE.





The Health Benefits of Guava Leaf Tea


The young leaves of the guava plant are used in traditional medicine in tropical countries. These leaves contain a number of beneficial substances, including antioxidants like vitamin C and flavonoids such as quercetin. Drinking a tea made by soaking guava leaves in hot water may be beneficial in treating diarrhea, lowering cholesterol and preventing diabetes.


Guava leaves and Fruits

  
Diarrhea
Guava leaf tea may help to inhibit a variety of diarrhea-causing bacteria. People with diarrhea who drink this type of tea may experience fewer stools, less abdominal pain, less watery stools and a quicker recovery, according to Drugs.com. A study published in the "Revista do Instituto de Medicina Tropical de São Paulo" in 2008 found that guava-leaf extracts inhibited the growth of Staphylococcus aureus bacteria, which is a common cause of diarrhea.

High Cholesterol
Drinking guava leaf tea may cause beneficial changes in your cholesterol and triglyceride levels. Study participants who drank guava leaf tea had lower total cholesterol, low-density lipoprotein levels and triglycerides after eight weeks whether or not they were receiving medical treatment to lower their cholesterol levels, according to an article published in "Nutrition & Metabolism" in February 2010. Their levels of beneficial high-density lipoprotein were not affected. Other trials have shown similar benefits, with study lengths ranging from four weeks to 12 weeks and doses ranging from 0.4 to 1 kilogram per day, according to Drugs.com.

Diabetes
Japan has approved guava leaf tea as one of the Foods for Specified Health Uses to help with the prevention and treatment of diabetes. Compounds in the tea inhibit the absorption of two types of sugars, maltose and sucrose, helping to control blood sugar levels after meals. The article published in "Nutrition & Metabolism" described two studies showing this effect. The first study showed the short-term benefits, as participants who drank guava leaf tea after consuming white rice had decreases in blood sugar that were greater after 30 minutes, 90 minutes and 120 minutes than when the same study participants ate the same amount of white rice followed by drinking hot water. In the second, longer-term study participants with either prediabetes or mild Type 2 diabetes who drank guava leaf tea with every meal for 12 weeks had lower fasting blood-sugar levels than before they started drinking the tea.


Considerations

Studies showing the benefits of guava leaf tea are still preliminary, and more evidence is needed to verify the beneficial effects found by the few existing studies. However, there are no well-documented adverse effects or drug interactions with guava leaf tea. Pregnant women may want to avoid drinking this type of tea, as there isn't sufficient evidence about its safety at this time.

Is Trump playing the Taiwan card against China?


China Flag map. PRC and ROC Taiwan

China will "take off the gloves" and take strong action if U.S. President-elect Donald Trump continues to provoke Beijing over Taiwan once he assumes office, two leading state-run newspapers said on Monday.
In an interview with the Wall Street Journal published on Friday, Trump said the "One China" policy was up for negotiation. China's foreign ministry, in response, said "One China" was the foundation of China-U.S. ties and was non-negotiable.
Trump broke with decades of precedent last month by taking a congratulatory telephone call from Taiwan President Tsai Ing-wen, angering Beijing which sees Taiwan as part of China.
"If Trump is determined to use this gambit in taking office, a period of fierce, damaging interactions will be unavoidable, as Beijing will have no choice but to take off the gloves," the English-language China Daily said.
The Global Times, an influential state-run tabloid, echoed the China Daily, saying Beijing would take "strong countermeasures" against Trump's attempt to "impair" the "One China" principle.
"The Chinese mainland will be prompted to speed up Taiwan reunification and mercilessly combat those who advocate Taiwan's independence," the paper said in an editorial.

Chinese Foreign Ministry spokeswoman Hua Chunying said the United States was clearly aware of China's position on "One China".


There are reasons to believe that the Trump administration, once sworn in the office this coming friday, 20th January 2017,  will use every card it has to force China to "play by the rules" by not manipulating their currency, a fair trade agreement between two nations, and the escalating tention in South China Sea, in which China is building artificial islands in the cluster within the EEZ (exclusive Economic Zone - 200 nautical miles) of the Philippines. Which the UN Tribunal already ruled in favor of the Philippines.


Taiwan and it's Independence

Taipei, Taiwan - Taipei 101 in the view.

Ms. Tsai had riled China with a historic phone call to Mr. Trump after his election. In an interview with the Wall Street Journal on Friday, Mr. Trump said he wasn’t committed to the 1979 agreement in which the U.S. effectively pledged to not recognize Taiwan as a separate country. ‪


President-Elect Trump’s congratulatory phone call with Tsai Ing-wen was the first time a president-elect, or president, has spoken to a Taiwan leader since 1979. The long gap was the result of the ‘One China Policy." as wsj reports.




              


Taiwan President Tsai Ing-wen said on Sunday her trip to Central American allies and transit stops in the United States had elevated the island's international profile, as China hit back at U.S. President-elect Donald Trump for his remarks on the "one China" policy.
Beijing was also upset that Tsai was allowed to stop over in the United States on the arrival and departure legs of her trip to Central America the past two weekends, which it saw as a potential breach of the "one China" policy.
Under the nearly four-decade old policy, the United States has acknowledged China's position that there is only one China and Taiwan is part of China. It has formal ties with China rather than the island of Taiwan, which China sees as a breakaway province to be reunified with the mainland one day.
"Our first objective (of this trip), was to consolidate our state friendships and allow Taiwan to walk on the international stage," Tsai said at Taiwan's international airport upon arrival on Sunday night.
She said she had bilateral talks with four heads of state in Central America. "We also grasped the opportunity during our short transit time in the United States to visit industries and talk with important people in America," Tsai said.

U.S. officials had said Tsai's transit stops were based on long-standing U.S. practice and Tsai's office had characterized her meetings on U.S. soil as private and unofficial. Reuters.
The PRC considers Taiwan as break-away province that oneday someday will be reunited with the mainland, but most of the people in Taiwan want to see their independence and be recognized as one nation. 

Taiwan, in 8th of August 2001, re-initiate the campaign to enter the United Nations; which the china opposed.

Here, we can see a nation trying it's hard to be recognized in the world as one nation.