Lonk Link: November 2020

Monday, November 30, 2020

Ravens-Steelers rescheduled again, this time to Wednesday - pressherald.com

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Lamar Jackson is among the Ravens players on the reserve/COVID-19 list, forcing their game against the Steelers to be rescheduled for a third time. The game was originally scheduled for Thanksgiving, then was moved to Sunday, then to Tuesday and now to Wednesday. Nick Wass/Associated Press

The Baltimore Ravens’ struggle to contain an extended outbreak of the coronavirus forced their rescheduled game Tuesday night against the unbeaten Pittsburgh Steelers to be moved back to Wednesday afternoon.

It’s the third fix to a matchup originally slated to be played Thanksgiving night. The game will remain on NBC, but at 3:40 p.m.

Also, the Steelers’ home game in Week 13 against Washington has been moved from Sunday to Dec. 7 at 5 p.m. The Ravens home game against Dallas will be on Tuesday, Dec. 8 at 8:05 p.m. on Fox and NFL Network. It was originally set for Thursday night, then moved to Dec. 7.

The Ravens-Steelers game was moved back one more day for medical reasons, but now Baltimore gets some time for workouts. The NFL has permitted the Ravens to return to their facility on Monday night under doctors’ supervision, which is similar to what happened when the Tennessee Titans had a coronavirus outbreak earlier this season. The Titans got three days of workouts in that scenario.

The NFL announced the most recent switches Monday after the Ravens placed starters Matthew Judon, Willie Snead and Mark Andrews on the reserve/COVID-19 list.

Although Baltimore also had four players return from that list, the team will still be severely short-handed when this game is finally played. But it will get back running backs Mark Ingram and J.K. Dobbins from the COVID-19 list; they tested positive on Nov. 23

The addition of Judon, a standout linebacker, and Andrews, the leading receiver on the team, brings to seven the number of 2019 Pro Bowl players that Baltimore has placed on the COVID-19 list over the past week. But Ingram will be eligible to play at Pittsburgh, leaving 12 active players and one practice squad member on the list – including 2019 league MVP quarterback Lamar Jackson.

Cornerback Terrell Bonds, who’s on injured reserve, was also added to the expansive list Monday.

There was a bit of other good news for Baltimore, which activated linebacker Jayson Ferguson, offensive lineman D.J. Fluker and defensive tackle Broderick Washington from the COVID-19 list. Defensive back Iman Marshall was also activated, although he’s been on IR since tearing his right ACL in August.

The contest pitting two longtime rivals was originally scheduled for Thanksgiving night before a rash of coronavirus cases among the Ravens forced the game to be postponed to Sunday. As Baltimore continued to stack up positive tests, the game was moved back to Tuesday night.

Now, perhaps, they’ll finally meet on Wednesday in Pittsburgh.

The Ravens (6-4) will face the Steelers without several of their top playmakers, including Jackson, Andrews, and defensive linemen Calais Campbell and Brandon Williams.

The loss of Andrews and Snead will further hinder backup quarterback Robert Griffin III, who will be taking snaps from a third-string center after Patrick Mekari and Matt Skura were placed on the COVID-19 list on Wednesday.

Andrews is a Type-1 diabetic, which makes COVID-19 potentially more dangerous. His loss should have an impact in that he leads Baltimore in receptions (38), yards receiving (454) and touchdown catches (6).

Andrews, Judon, Jackson, Ingram, Campbell, fullback Patrick Ricard and long snapper Morgan Cox were all selected to the Pro Bowl last season.

Judon owns Baltimore’s franchise tag. He is tied for the team lead with four sacks and has 34 tackles.

Snead has 17 catches for 230 yards and two touchdowns over the past four games.

The NFL’s last Wednesday game was the 2012 season opener between the Giants and the Cowboys, which was moved from a Thursday night because of a conflict with the Democratic National Convention, which was scheduled to have President Barack Obama speak on Thursday night.

“We understand that every team is going through something like this,” Steelers defensive end Cam Heyward said. “Not to this extent, but we have to be ready for any situation. I think (coach Mike Tomlin) has laid out the plan. It’s up for us to follow it and it’s up for us to bounce back with it.”

Added Steelers tackle Zach Banner, who was injured in the season opener: “I’m gonna be healthy by the time we play this game.”

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Cyber Monday Is Winding Down; Time For Giving Tuesday - CBS Dallas / Fort Worth

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FORT WORTH (CBSDFW.COM) – After shopping from Black Friday to Cyber Monday, now it’s time to think about giving.

Giving Tuesday is Tuesday, Dec. 1 and North Texas nonprofits that serve the area’s most vulnerable children need support now more than ever.

About 34,000 kids in Texas are in the foster care system and the pandemic seems to be making the shortage of foster families even worse.

“I think now what we’re seeing, as you know we’re kind of months and months into this, is people who are already kind of unsure and unknown of the future – are they willing to become licensed caregivers?” said Kathleen Ender, a program trainer for National Angels.

The nonprofit pairs volunteers with foster families to gift them a monthly “Love Box” and be a part of their support system.

Ender says the foster families who are currently taking care of children need more help.

“DFW Angels has seen an uptick of families needing to be matched and served and supported,” she said.

The organization is kicking off a three-day virtual Give-A-Thon Tuesday.

“When you can’t gather, that’s a huge loss of projected revenue, and there’s a huge need to be able to make up for that,” said Ender.

Other nonprofits are also finding safe ways for people to give back.

“We have a tall order, and that’s why it looks like Santa’s workshop here in our office,” said Tori Mannes, president and CEO of ChildCareGroup (CGC).

The organization provides early childhood programs for nearly 1,000 of the most vulnerable kids in Dallas. They want to make sure each of them receives at least one Christmas gift this year.

“Sometimes they’re the only gifts that we know these children will get,” Mannes said.

This year, there are three different virtual and/or socially distant ways volunteers can join to help:

Stocking Stuffing Elves:

CCG is looking for volunteers to help stock holiday stockings this year. Each stocking needs the following (new items only, please): child-sized toothbrush, children’s toothpaste, Play-Doh, crayons, jump rope, bubbles, and a child’s reusable water bottle (unisex). Please indicate the number of stockings you will provide. Drop off at 1420 W Mockingbird Lane, Suite 430, Dallas, TX 75247, or email zbernabe@ccgroup.org to schedule a pick-up.

Lunch Break Wrapping Party:

Help ChildCareGroup wrap 1,000 presents over lunch on December 4 at Dallas Bethlehem Center. The gifts will be wrapped for the children and families CCG serves. Volunteers are encouraged to bring wrapping paper and bows — even open rolls they want to get rid of, but CCG will have necessary materials on-site as well. Volunteers must register to attend as social distancing guidelines will be followed, including wrapping outside if the weather permits, and everyone will be masked up. Volunteers can register here.

Purchase a gift off the Amazon and Target Wish Lists:

ChildCareGroup has created wish lists online of items that can be purchased for a child. Donors can go here to click on the registry links and the gifts will be sent straight to ChildCareGroup.

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Cyber Monday Is Winding Down; Time For Giving Tuesday - CBS Dallas / Fort Worth
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NFL's Steelers-Ravens game postponed a third time due to Covid-19 - CNBC

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Pittsburgh Steelers quarterback Ben Roethlisberger (7) drops back to pass against the rush of Baltimore Ravens linebacker L.J. Fort (58) during the Pittsburgh Steelers game versus the Baltimore Ravens on November 1, 2020 at M&T Bank Stadium in Baltimore, MD.

Mark Goldman | Icon Sportswire | Getty Images

For a third time, the National Football League will postpone its Week 12 matchup between the Baltimore Ravens and Pittsburgh Steelers due to Covid-19.

The league received new Covid-19 testing results Monday, prompting a postponement to Wednesday, according to person familiar with the matter who asked to remain anonymous because they can't comment publicly on league matters. According to ESPN, one member of the Ravens did test positive for Covid-19 in the most recent testing.

On Monday, the league canceled Baltimore's practice session before the team departed for Pittsburgh. The Ravens and Steelers were scheduled to play on Thanksgiving Day, but the game was moved to Sunday. After the NFL identified additional positives from the Ravens, the league moved the game to Tuesday.

The Ravens revealed positive Covid-19 tests for over 20 members. It's become the biggest outbreak on an NFL team since the Tennessee Titans' episode, which prompted a Week 4 postponement against the Steelers. The Titans were fined $350,000 for violating protocols that led to the outbreak.

As of Nov. 17, the NFL said 95 players and roughly 175 other personnel have tested positive for Covid-19. The NFL has already rescheduled more than a dozen games due to positive cases and intensified its safety protocols. But despite the league's stricter rules, more postponements could be on the horizon.

The NFL is expecting to have its most recent testing results back this week, and the fear is an increase in positive cases due to the holiday could put Week 13 games at risk of being postponed too.

Derrick Henry #22 of the Tennessee Titans dives with the ball into the end zone for a touchdown in the third quarter of the game against the Minnesota Vikings at U.S. Bank Stadium on September 27, 2020 in Minneapolis, Minnesota.

Stephen Maturen | Getty Images

Time for a bubble?

The NFL is at a critical point in its season as rescheduling windows are shortening with more games to complete before playoffs start in January. On a conference call with reporters on Nov. 10, NFL commissioner Roger Goodell also reiterated the league's plans to host its 2021 Super Bowl on time.

The championship game is scheduled for Feb. 7 in Tampa Bay, and the NFL is planning to allow fans in the stadium at 20% capacity.

There have been discussions about moving to a bubble, but league officials raised mental health concerns when discussing the matter publicly.

"That's a significant stress point, and I think we have to acknowledge that is just as much of a health and safety consideration as this Covid-19 infection," said NFL chief medical officer, Dr. Allen Sills last month.

But with time running out, the NFL moving playoff-eligible teams to multiple bubble environments could be on the table, especially with more outbreaks. The move would emulate Major League Baseball, which relocated a portion of its postseason and its World Series to Texas following in-market games for its 2020 season.

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NFL's Steelers-Ravens game postponed a third time due to Covid-19 - CNBC
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NFL postpones Ravens-Steelers game for third time, with matchup now set for Wednesday - USA TODAY

It’s Time for a Woman to Run the Defense Department - The New York Times

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President-elect Joe Biden has begun to announce his intended cabinet nominees, and it’s an impressive and diverse group: his picks include an experienced African-American diplomat for ambassador to the United Nations; the first Latino nominated as homeland security secretary; and the first woman tapped to serve as director of national intelligence.

Mr. Biden has remained silent, however, about whom he might select as secretary of defense. For years, the betting has been on Michèle Flournoy, an under secretary of defense for policy in the Obama administration who is widely viewed as one of the nation’s top defense policy experts. But although Ms. Flournoy — for whom I worked from 2009 to 2011 — is reported to still be a leading contender, along with a number of other well-regarded women, there has recently been speculation that Mr. Biden may instead choose one of several men also said to be on his short list.

That would be shortsighted. If Mr. Biden nominates a respected and highly qualified woman as his secretary of defense, he would send an important and long overdue message — that the Defense Department’s old norms and biases were a disservice not only to women working in national security, but to the country.

The Defense Department has long been viewed as singularly inhospitable to women. National security leaders (nearly always male) have for years argued that there just weren’t enough qualified female candidates to fill senior positions in the Defense Department — an excuse that might once have had some validity, but rings hollow today. Over the last two decades, an impressive new generation of female defense experts has emerged.

There are now scores of talented women who have spent years mastering everything from military strategy to budgeting, logistics and acquisitions. In September, the Leadership Council for Women in National Security — which I co-founded and whose advisers include such luminaries as former Secretary of State Madeleine Albright and retired Adm. Michelle Howard, the Navy’s first female African-American four-star — provided the Biden transition team with the names of at least four qualified women for every Senate-confirmed national security position.

If it took decades for a sizable pool of highly qualified women to emerge as potential senior Pentagon leaders, that’s no accident. For most of our nation’s history, overtly discriminatory legislation and Defense Department rules severely limited women’s ability to rise.

In recent years, even as other foreign policy agencies opened their senior ranks to women, the doors at the Pentagon remained largely closed. At the end of the Obama administration, for instance, women made up 41 percent of senior State Department officials, but just 22 percent of senior Defense Department civilian officials, according to a 2018 analysis conducted by New America.

In the uniformed military, gender equality has proved even more elusive than racial equality. Racial discrimination in the military was barred by a 1948 executive order, and the first African-American four-star general was appointed in 1975. In 1989, the first African-American chairman of the Joint Chiefs of Staff was appointed.

But in the very same year the military was ordered to integrate racially, Congress also passed legislation mandating that women make up no more than 2 percent of military personnel — a cap that was lifted only in the 1970s. Even today, women constitute only 16.5 percent of the active duty force, and the first female four-star general wasn’t appointed until 2008.

Until 2015, women were also barred from serving in combat roles. This made it difficult for women to gain senior military positions, which go mostly to those with distinguished combat records. And since nearly half of all Defense Department civilian employees are military veterans who get preferential hiring, the same discriminatory policies that kept most uniformed women out of senior jobs also made it tougher for civilian women to be hired and promoted on an equal basis.

These laws and policies weren’t just unfair to women, they also diminished the country’s ability to develop smart, effective national security policies. Studies suggest that organizations with gender-diverse leadership teams outperform organizations with male-dominated leadership, and that diverse organizations are less prone to “groupthink.”

On average, women appear to have more collaborative leadership styles than men, and they’re also less likely than men to fall prey to judgment errors induced by overconfidence. Wouldn’t it be wiser to have more collaboration, less groupthink and less recklessness in our military policy?

The United States faces national security problems ranging from the pandemic to climate change, refugee crises and the rise of near-peer competitors such as China. These complex and interconnected issues require fresh approaches, not a reversion to old modes of thinking about defense policy.

If Mr. Biden chooses a woman as his secretary of defense, it will pack a uniquely powerful symbolic punch — signaling both his repudiation of the Defense Department’s history of sex-based discrimination and his intent to build the kind of diverse, innovative national security leadership team the nation so urgently needs.

Rosa Brooks, a professor at Georgetown Law and a co-founder of the Leadership Council for Women in National Security, is the author of “How Everything Became War and the Military Became Everything” and the forthcoming “Tangled Up in Blue: Policing the American City.”

The Times is committed to publishing a diversity of letters to the editor. We’d like to hear what you think about this or any of our articles. Here are some tips. And here’s our email: letters@nytimes.com.

Follow The New York Times Opinion section on Facebook, Twitter (@NYTopinion) and Instagram.

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What Is Short Selling? - Lifehacker

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Short selling a stock is akin to placing a simple bet that a company’s stock price will go down, and as such it’s often demonized as profiting off of failure. However, academics and investors believe that short selling improves market efficiency by making it easier to trade stocks and by ensuring that a company’s failure risk is reflected in its stock price. Here’s a look at how short selling works, and why you should tread carefully if you’re considering trying it.

What is short selling?

Short selling, or shorting, is when you borrow a given company’s stocks using a margin account through a brokerage, then immediately sell them in the hope that the stock price will drop. Later, when that happens, you buy the stocks back at a cheaper price. The stocks are then returned to the original shareholder, who receives a fee. Your profit is made on the difference in the price decline. USA Today has a good example of how this works:

Let’s say Company XYZ stock is trading for $100 and I short 100 shares, so I borrow the shares and receive $10,000 from the sale. If a couple of weeks later, the stock is trading for $90 per share, I can repurchase the stock for $9,000, return the 100 shares to my broker, and keep the $1,000 difference as profit.

If that sounds like getting money for nothing, keep in mind that brokerages charge fees and will charge ongoing interest, just as you’d see with a short term loan. However, a margin account can be kept open for as long as a customer can handle the costs of maintaining the account. And of course, the stock price has to drop, too, and there are no guarantees that will happen.

What are the benefits of short selling?

Shorting opens up investment opportunities in a bear market, allowing for money to be made not just when a stock goes up, but also when it goes down.
Institutional investors can use short selling as a hedge (which is essentially a form of insurance) against future bear markets.
Shorting can reward investors who are good at identifying or uncovering faulty or fraudulent business practices (as an example, the protagonists of the film The Big Short worked as short sellers during the financial crisis).

G/O Media may get a commission

What are the risks of short selling?

Short selling is extremely risky, as you’re betting on a future outcome that is hard to predict. A company might be overvalued, but that doesn’t mean it won’t stay overvalued for a very long time. As well, unforeseen events or players can suddenly make what look like safe bets much more risky (consider Bill Ackman’s failed short selling of Herbalife, as an example).
The potential losses are unlimited, since there’s no upper limit to how high a stock’s price can climb (remember, these stocks have already been borrowed and sold, and they’ll still have to be returned at some point).
The gains made from short selling are paid out up front, without the benefit of compound interest over time.
Interest and fees can add up while you wait for the stock to drop, which might never happen (generally speaking, stock prices tend to trend up over time).

Requirements for a margin account

To short a stock, you need open a margin account through a brokerage. When you open a margin account, your brokerage extends a line of credit you can use to buy securities, in addition to your own minimum deposit. Requirements for opening an account may vary, but there are regulatory minimums, per Forbes:

Before you can begin trading on margin, you must meet the minimum margin requirement. The Financial Industry Regulatory Authority requires you deposit in your margin account the lesser of $2,000 in cash or 100% of the purchase price of the stocks you intend to buy on margin.

After you’ve purchased securities on margin, you must maintain a certain balance in your margin account. Called maintenance margin or maintenance requirement, it calls for at least 25% of the assets in your margin account to be owned outright by you. If your account falls below this threshold, due to withdrawals or declines in the value of your investments, you may receive a margin call [which can result in the brokerage liquidating your account]

In addition to these requirements, you’ll be looking at monthly interest rates between 4-8%. Of course, the longer you hold on to a short position, the more it costs you. While the chance of reward is great, the risks of short selling shouldn’t be taken lightly.

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Bitcoin hits an all-time high of just under $20,000 - CNN

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It's been a wild year for bitcoin, which has soared more than 175% since the end of 2019. Prices plunged below $4,000 in March as markets around the globe plummeted due to the Covid-19 economic crisis.

But bitcoin has rallied sharply in the past few months as the dollar has weakened. Crucially, the cryptocurrency has also skyrocketed into the mainstream.

Payments giants Square (SQ) and PayPal (PYPL) both now allow their customers to buy and sell bitcoin. Money management giant Fidelity is launching a bitcoin fund for wealthy investors. Bitcoin futures contracts are even trading on the Chicago Mercantile Exchange.

Prominent investment managers Paul Tudor Jones, Stanley Druckenmiller and Mike Novogratz are bullish on bitcoin as well.

In other words, the days of bitcoin being considered just a fringe investment are over. The cryptocurrency has gone legit.

"This rally is driven by smart and institutional money and not built solely on retail over-speculation," said Guy Hirsch, managing director for the US at eToro, brokerage and trading firm, in an e-mail to CNN Business. "So many more individuals and asset managers are now buying in."

The amount of bitcoin currently in circulation is now worth more than $365 billion.

Bitcoin also got a recent boost after a top strategist at BlackRock (BLK), the world's largest asset management firm, suggested that bitcoin could one day replace gold as a safe-haven currency of choice.

The epic rise in bitcoin has also fueled even more dramatic spikes in smaller cryptocurrencies such as ethereum, XRP, litecoin and Stellar as of late. That may continue.

"Bitcoin hitting a new all-time high...will likely spur a tidal wave of retail investment that pushes bitcoin much higher in short order," said Denis Vinokourov, head of research at digital assets prime broker Bequant, in an e-mail to CNN Business.

"However, it is unlikely that this inflow will be limited to bitcoin only," he added. "The ease of access to other assets is much more straightforward than what it was during the last bull run."

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Bitcoin hits an all-time high of just under $20,000 - CNN
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The 8 Best Short Term Rental Insurance of 2020 - Investopedia

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What Is Short Term Rental Insurance?

If you rent your home to guests for occasional, seasonal, or short terms of a few days to a week at a time, you’re a prime candidate for short term rental insurance. In fact, if you don’t have this specific type of coverage, you are exposing yourself to a number of risks.

Short term rental coverage is not for landlords who rent their properties to tenants with leases.

Short term rental policies reduce your liability for things like damage caused to your property while a guest is renting it for a few days, physical property such as jewelry or artwork stolen by a guest, and even digital theft by a guest who steals your identity and gains access to your accounts. The other key component to short term rental insurance is that it protects you against the income you would lose if your property is not rentable, such as if it is under repair.

Who Should Get Short Term Rental Insurance?

If you rent your home for short stays on Airbnb, Vrbo, or other platforms, short term rental insurance is made for you. But it’s not about the platform. You may rent your cabin on the lake for eight summer weeks through referrals or newspaper ads. That fits, too.

Short term rental insurance gives you the additional coverage you need over and above your homeowner’s and dwelling policies to handle the new risks that hosting short term guests brings to your life.

If you are a landlord with permanent tenants, short term rental policies are not for you. You’ll need landlord insurance.

Fortunately, there is a growing list of options for the many conditions you need protection from when it comes to renting your property to short-stay guests.

Do Homeowners or Landlords Insurance Cover Short Term Rentals?

Short term rental coverage fills in the gaps between a homeowner’s policy and a landlord policy.

A good short term rental policy will cover the loss of your income if your property cannot be rented due to damages, and the resulting repairs needed to make it occupancy-ready.

You’ll want to talk to your agent to see if you need dwelling coverage. Dwelling coverage is standard with homeowner’s insurance and landlord policies. It is often not covered for short term rentals. How you personally use the property that you rent out to short term guests will determine whether you’ll want this additional coverage.

How We Chose the Best Short Term Rental Insurance

We dug through the details on 16 short term rental insurance carriers to find the best for these eight categories. We made sure they had solid ratings from AM Best and comparatively few consumer complaints registered with the NAIC to get a handle on their reputation in the market.

We also wanted to see if they had options to customize their short term rental coverage, or if it was served to you in a one-size-fits-all package. We preferred options and customizations to better fit different circumstances.

Online quoting and account management with the option to talk to a live agent always won out over just one or the other. People like to interact with their insurance company in different ways, and we recognized the carriers that understand that.

All of our winners except one write policies in all 50 states, and price ranges were competitive. A few companies stood out on price thanks to their ability to craft policies that charge you only for the days you actually have the property rented.

Lastly, we called out notable exclusions and inclusions in case those particular items were applicable to your situation.

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First-time voters in greater Rochester reflect on 2020 election experience - Democrat & Chronicle

Time is running out for Brexit trade deal, EU and Britain warn - Reuters

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By Gabriela Baczynska, Elizabeth Piper

BRUSSELS/LONDON (Reuters) - Britain and the European Union warned each other on Monday that time was running out to reach a Brexit trade deal, with big differences still to be bridged on state aid, enforcement and fishing.

The United Kingdom leaves the EU’s orbit on Dec. 31, when a transition period of informal membership ends following its formal departure last January, and the sides are trying to secure a deal to govern nearly $1 trillion in annual trade.

Prime Minister Boris Johnson, who is also tackling Europe’s worst official death toll from COVID-19, says a deal would be preferable but that Britain, which joined the EU in 1973, would flourish without one.

Talks in London over the weekend were “quite difficult” and “massive divergences” remained on the most thorny elements of fisheries, economic fair play and settling disputes, an EU source said.

“We are running out of time here,” Irish Foreign Minister Simon Coveney said.

Echoing his remarks, German Chancellor Angela Merkel said some EU member states were losing patience.

“We hope that the negotiations will have a good end,” she said. “We don’t need a deal at any price and we have made this clear... A deal is in everyone’s interest.”

Johnson’s spokesman said there had been some progress but “there still remains divergence on issues (such as) fisheries and the level playing field.”

“We want to try and reach a free trade agreement as soon as possible but we’ve been clear we won’t change our negotiating position,” the spokesman said.

A trade deal would not only safeguard trade but also buttress peace in British-ruled Northern Ireland, though some disruption is almost certain at the busiest EU-UK border points.

Failure to secure a deal would snarl borders, spook financial markets and disrupt delicate supply chains that stretch across Europe and beyond -- just as the world grapples with the vast economic cost of the COVID-19 outbreak.

FISH

British Foreign Secretary Dominic Raab said it was a significant week for Brexit. Talks between EU chief negotiator Michel Barnier and British chief negotiator David Frost continued on Monday.

FILE PHOTO: A British Union Jack flag flutters outside the European Parliament in Brussels, Belgium January 30, 2020. REUTERS/Francois Lenoir/File Photo

Asked whether there was reason for optimism, Barnier told reporters: “There are reasons for determination.”

Coveney told Ireland’s Newstalk Radio that a failure to agree on fishing rights could wreck a deal.

“If there isn’t an agreement on this, the whole thing could fall on the back of it and that’s the worry,” he said.

Fishing alone contributed just 0.03% of British economic output in 2019, but it is an emotive subject as many Brexit supporters see it as a symbol of the regained sovereignty they hope leaving the EU will bring. Combined with fish and shellfish processing, the sector makes up 0.1% of UK GDP.

Britain wants “zonal attachment” to agree a total allowable catch for the United Kingdom’s waters - a step that would give it a much larger quota share than if the fish maths were worked out on the EU’s proposals.

Reporting by Guy Faulconbridge, Kate Holton and Elizabeth Piper in London; Conor Humphries in Dublin and Gabriela Baczynska and John Chalmers in Brussels; editing by William Maclean, Larry King and Timothy Heritage

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Time is running out for Brexit trade deal, EU and Britain warn - Reuters
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Time is running out for Brexit trade deal, EU and Britain say - Reuters

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By Gabriela Baczynska, Elizabeth Piper

“We are running out of time here,” Irish Foreign Minister Simon Coveney said.

Echoing his remarks, German Chancellor Angela Merkel said some EU member states were losing patience.

“We hope that the negotiations will have a good end,” she said. “We don’t need a deal at any price and we have made this clear... A deal is in everyone’s interest.”

Johnson’s spokesman said there had been some progress but “there still remains divergence on issues (such as) fisheries and the level playing field.”

“We want to try and reach a free trade agreement as soon as possible but we’ve been clear we won’t change our negotiating position,” the spokesman said.

A trade deal would not only safeguard trade but also buttress peace in British-ruled Northern Ireland, though some disruption is almost certain at the busiest EU-UK border points.

FISH

British Foreign Secretary Dominic Raab said it was a significant week for Brexit. Talks between EU chief negotiator Michel Barnier and British chief negotiator David Frost continued on Monday.

FILE PHOTO: A British Union Jack flag flutters outside the European Parliament in Brussels, Belgium January 30, 2020. REUTERS/Francois Lenoir/File Photo

Asked whether there was reason for optimism, Barnier told reporters: “There are reasons for determination.”

Coveney told Ireland’s Newstalk Radio that a failure to agree on fishing rights could wreck a deal.

“If there isn’t an agreement on this, the whole thing could fall on the back of it and that’s the worry,” he said.

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Time is running out for Brexit trade deal, EU and Britain say - Reuters
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Time is running out for Brexit trade deal, Britain and EU say - Reuters

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By Gabriela Baczynska, Elizabeth Piper

BRUSSELS/LONDON (Reuters) - Britain and the European Union cautioned each other on Monday that time was running out to reach a Brexit trade deal, with big differences still to be bridged on state aid, enforcement and fishing.

Talks in London over the weekend were “quite difficult” and “massive divergences” remain on the most thorny elements of fisheries, economic fair play and settling disputes, an EU source said.

Johnson’s spokesman said there had been some progress but “there still remains divergence on issues (such as) fisheries and the level playing field.”

“We want to try and reach a free trade agreement as soon as possible but we’ve been clear we won’t change our negotiating position,” the spokesman said.

After breaking multiple deadlines, the negotiators are stuck mainly on fishing, state aid and how to resolve any future disputes.

A trade deal would not only safeguard trade but also buttress peace in British-ruled Northern Ireland, though some disruption is almost certain at the busiest EU-UK border points.

FISH

British Foreign Secretary Dominic Raab said it was a significant week for Brexit. Talks between EU chief negotiator Michel Barnier and British chief negotiator David Frost continued on Monday.

Asked whether there was reason for optimism, Barnier told reporters: “There are reasons for determination.”

“We are running out of time here,” said Irish Foreign Minister Simon Coveney, whose country is in the EU. “The truth of Brexit is now being exposed in terms of the challenges of it.”

FILE PHOTO: A British Union Jack flag flutters outside the European Parliament in Brussels, Belgium January 30, 2020. REUTERS/Francois Lenoir/File Photo

Coveney said a deal could be done if there was give and take on both sides but told Ireland’s Newstalk Radio that a failure to agree on fishing rights could wreck a deal.

“If there isn’t an agreement on this, the whole thing could fall on the back of it and that’s the worry,” he said.

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It was time to write off Vikings once and for all on Sunday — until it wasn't - Minneapolis Star Tribune

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Is Kirk Cousins the guy who sabotaged the Vikings’ season, or the one who saved it?

Is the Vikings defense made of terry cloth or Teflon?

Is Chad Beebe a special teams pariah for muffing a key punt, or a receiving savior for catching the winning touchdown pass?

Are the Vikings a good team digging out of a hole, or a bad team that’s in too deep?

If anyone claims to know the answer, you should hide your credit cards and car keys because it is as much of a lie as someone touting a no-strings-attached timeshare.

Midway through the fourth quarter of their game against Carolina at U.S. Bank Stadium on Sunday, the Vikings trailed by 11 points, had given up touchdowns on consecutive plays to the same Panthers rookie, had produced zero sacks or 20-yard gains, and were about to fall into a tie in the standings with a Detroit Lions team that just fired its general manager and coach.

Although forensic scientists are checking to be sure, it seems that the Vikings rallied for a 28-27 victory, the winning points coming on Cousins’ 10-yard touchdown pass to Beebe with 46 seconds remaining, less than two minutes after Beebe’s misplay on a punt threatened to end the Vikings’ playoff hopes.

Logic is not invited to this party, and predictability just left with a designated driver. Any conclusions drawn during the game were rendered meaningless by its end.

Cousins was about to steer his team to a second straight embarrassing home loss against a losing team … before he completed six of seven passes for 75 yards and the winning touchdown in a 65-second drive with only one timeout available.

Carolina quarterback Teddy Bridgewater, the former Viking, was about to complete a triumphant return … until he missed an open receiver in the end zone for what would have been a clinching touchdown.

Beebe was about to become a meme, a GIF, a trending hashtag redolent of bad special teams play … until he finished the game with seven catches for 63 yards and that touchdown.

The Vikings defense was about to become the group that couldn’t sack Bridgewater … until its stand after Beebe’s muffed punt forced Carolina to settle for a field goal.

Vikings coach Mike Zimmer was about to be the guy who lost a key timeout with a silly challenge … until the Vikings’ inability to use that timeout during their winning drive left the Panthers with so little time they had to try a last-second 54-yard field goal that missed.

The Vikings were about to become the team that lost consecutive home games to Dallas and Carolina to fall to an incomprehensible 1-5 at U.S. Bank Stadium … until they became the team that, with a win next Sunday against the horrid Jacksonville Jaguars, could take a 6-6 record to Tampa to play the suddenly slumping Buccaneers.

Pete Rozelle’s grand dream of parity is alive in today’s NFL, its inherent unpredictability enhanced by the risks of playing football in a pandemic.

If the Vikings had lost on Sunday, they would be stuck in the muck with the NFC’s worst teams, but if they had beaten Dallas the previous week, they would be 6-5 and might be in line for the playoffs if they did little else but beat bad teams and avoid a COVID outbreak.

NFL playoff picture

As it is, they’re a confounding group veering through a confounding season, trying to stay somewhat healthy and competitive, just to see how the movie ends.

“Each week is week to week,’’ Zimmer said.

That could be a cliché. It could be profound. He may have misspoken, or he may be printing up T-shirts bearing that phrase that will sell in the millions.

The Vikings are disappointing contenders, or overachieving underachievers, or just another team trying to remember to wear their masks and make the next play because you don’t know which games are going to be postponed until Tuesday or 2022, or if the team you’re chasing is going to be placed in a large actual latex bubble.

Each week is week to week, because it ain’t over ’til it’s over.

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Small business confidence drops to all-time low after Biden election - CNBC

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A survey of small business owners across the U.S. finds confidence dropping to an all-time low after Biden's election victory with fears that taxes will go up and regulations become more onerous.

Boston Globe | Boston Globe | Getty Images

Small business confidence has fallen to an all-time low after the election of former Vice President Joseph Biden, according to the Q4 CNBC|SurveyMonkey Small Business Survey.

With a confidence index reading of 48, Main Street's outlook is now below where it was during the second quarter of this year (49), when lockdowns across the nation were increasing amid the first wave of Covid-19. That Q2 number had been the all-time low previous to the just-completed survey, conducted Nov. 10 to Nov. 17 among more than 2,200 small business owners nationally, using the SurveyMonkey platform.

Since CNBC began conducting the survey in 2017, the confidence index reached as high as 62, and had never dipped below the mark of 50 until 2020. While another surge in coronavirus cases continues to hit Main Streets across the nation, and a lack of progress on stimulus talks in Washington, D.C. exacerbates the issues faced by small business owners, key questions in the confidence index relate to the Main Street outlook on taxes and regulation, and the responses from small business owners are skewed heavily by their political leanings — the small business demographic overall has a conservative skew. According to SurveyMonkey, approximately 60% of small business owners identify as Republicans.

The Q4 CNBC|SurveyMonkey Small Business Survey reveals the weight of political partisanship after the presidential election on the small business outlook.

CNBC|SurveyMonkey Small Business Survey, Q4 2020

Fifty-three percent of small business owners said they expect tax policy to have a negative impact on their business in the next 12 months, while 49% said government regulation will have a negative impact. By party affiliation, the divide is stark. Among Republicans, 75% said tax policy will be a negative and 72% said regulations will be a negative. Those numbers drop to 15% (taxes) and 11% (regulations) among Democrats. These are the highest percentages recorded for the "negative impact" response in the four years of the survey.

Politics and small business

"The immediate shift in forward-looking sentiment that small business owners reported following the election reveals how deeply politics has become embedded in the public's assessment of the economy, and in particular how divided the country is," said Laura Wronski, research science manager at SurveyMonkey. "We've seen evidence of that every quarter, with Republican small business owners consistently reporting a higher degree of confidence than Democrats, but the election of Joe Biden is the first opportunity we've had to see whether that would flip if presidential power changed parties — and it did dramatically."

Among Republican respondents, the small business confidence index score fell from 57 in the third quarter to 42; among Democrats, confidence jumped from 46 to 58. The lowest previous confidence reading from Republican business owners was in Q2 2020, at 54.

We've seen evidence of that every quarter, with Republican small business owners consistently reporting a higher degree of confidence than Democrats, but the election of Joe Biden is the first opportunity we've had to see whether that would flip if presidential power changed parties — and it did dramatically.

Laura Wronski, SurveyMonkey research science manager

Overall, the survey finds 34% of small business owners saying Joe Biden will be good for small business, while 55% say he will be bad for small business. By party, 89% of Republican small business owners say Biden will be bad for business, while 86% of Democrats say he will be good for Main Street.

Wronski noted that part of the small business confidence being measured every quarter is owners' assessments of what things will look like a year from now based on policy changes made at the federal level, and those questions are subject to a lot of uncertainty in any immediate post-election period, before the new administration takes power and before their policy agenda is fully fleshed out.

"We don't yet know how Biden will work with Republican leaders to carry out his agenda, and we don't even know what his specific policy proposals will be yet, so we're really in wait-and-see mode, and that lack of certainty is always a tricky situation for small business owners to operate in," she said.

Divided government can be good for Main Street

With the Senate races in Georgia still to be decided in January — and control of the Senate up for grabs — it remains to be seen how much political capital the Democratic Party will have even with the White House won. The stock market has continued to rally based on a belief that divided government is good for corporations, and will limit a President Biden's ability to repeal Trump tax cuts. Small business experts and owners say there is reason to believe Main Street also will perform well under a divided federal government.

"If we do indeed end up with a Republican-controlled Senate, many feel that this is a win-win scenario," said Tony Nitti, a federal tax partner at RubinBrown, who works with many entrepreneurs. "Clients viewed the election as a bit of a 'Sophie's Choice': they preferred the stability and potential pandemic response of a Biden presidency, but wanted the tax regime of a Trump second term. With these results, there's a bit of a 'best of both worlds' feel," Nitti said, explaining that a Biden administration may address the pandemic in a more thoughtful and resolute manner, and that the Republican controlled Senate will keep any significant tax increases in check.

"In a divided government scenario, and the way things are shaping up in the House, it will be very difficult to raise taxes, and especially so on small businesses," said Karen Kerrigan, president and CEO of trade group Small Business & Entrepreneurship Council. "The House margins will be so tight with respect to majority control."

Kerrigan noted that during much of the Obama presidency, the environment was one of divided government and it was one in which capital access increased for small businesses. "The Great Recession created opportunities for bipartisan collaboration, and one of those areas impacted was access to capital and the need to boost new business creation given the fact that more firms were closing than starting. The Obama Administration took an early interest and lead in making investment crowdfunding legal, along with other key elements of the Jumpstart our Businesses Act (JOBS Act), which has had a positive impact on capital markets to this day," she said.

Kerrigan said small business owners are busy people, and unlike Wall Street, they do not necessarily follow the nuances of divided government. "During the campaign, they read or heard about Biden policies that could impact their business, from taxes to workplace regulation and more, and remain concerned about possible new costs on top of their current challenges. It is not surprising that their confidence in the immediate aftermath of the election has dropped," she added.

But she expects the confidence gap to narrow, though it will take time, as more conservative business owners are able to absorb and process information about the new political reality and see that the actions taken by a divided government which do not reflect some of the more "intrusive policies" outlined in the Biden agenda.

Ravin Gandhi, founder and CEO of Chicago-based housewares manufacturing company GMM Nonstick Coatings said he is encouraged by the outlook. Infrastructure and a Covid-relief stimulus bill are both bipartisan needs, while taxes will likely remain lower on business, which will be helpful as the economy struggles to recover from the pandemic. He said the fact that Biden "barely beat" Trump, should also limit the left's ability to over-regulate. And for any business that imports or exports — his uses overseas manufacturing — an end to Trump's trade wars is a positive.

Covid lockdowns and small business

Small business owners widely support (83%) a new stimulus package from the federal government, according to the survey — including 76% of Republican respondents and 96% of Democratic respondents. Fifty percent of small business owners said direct payments to individuals should be included in any new stimulus; 42% said mortgage/rent relief; 41% said an extension of the PPP loan program.

But small business confidence decreased from last quarter solely because of the forward-looking factors including taxes and regulation, Wronski noted, not because of a crash in current business conditions, like the confidence index saw earlier this year when coronavirus restrictions were introduced.

"There is not going to be a national shutdown policy," Kerrigan said. "President-elect Biden has a mix of advisors on the Covid-19 issue, with several communicating that our economy can continue to 'stay open' and it can be done safely with the right precautions. In addition, the majority of Democrat governors would also oppose this top-down approach."

Small business owners' assessment of current business conditions was at least stable from Q3 to Q4, and even ticked up slightly on some measures, including more business owners describing conditions as "good" and less describing it as bad. Those expecting greater revenue in the next year — and citing recent revenue and demand increases — were also more numerous in Q4, while the hiring outlook was more or less stable quarter over quarter.

"That's pretty remarkable given how long so many businesses have had to operate while working from home, dealing with decreased demand, implementing new policies and safety procedures, and everything else they've had to handle thanks to the pandemic," Wronski said.

The CNBC|SurveyMonkey Small Business Survey for Q4 2020 was conducted across more than 2,200 small business owners Nov. 10-Nov. 17. The survey is conducted quarterly using SurveyMonkey's online platform and based on its survey methodology. The Small Business Confidence Index is a 100-point score based on responses to eight key questions. A reading of zero indicates no confidence, and a score of 100 indicates perfect confidence. The modeled error estimate for this survey is plus or minus 2.5 percentage points.

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Time is running out for Brexit trade deal, Britain and EU say - Reuters

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By Reuters Staff

LONDON (Reuters) - Britain and the European Union cautioned each other on Monday that time was running out for a Brexit trade deal as negotiators sparred over state aid, enforcement and fishing in a bid to avoid a tumultuous exit in just a month’s time.

FILE PHOTO: A British Union Jack flag flutters outside the European Parliament in Brussels, Belgium January 30, 2020. REUTERS/Francois Lenoir

The United Kingdom finally leaves the EU’s orbit on Dec. 31 when a transition period of informal membership ends, though both sides are rushing to hash out a deal that will govern nearly $1 trillion in trade.

Prime Minister Boris Johnson, who is grappling with Europe’s worst official death toll from COVID-19, says a deal would be preferable but that Britain would flourish without a deal when it goes it alone after 48 years of membership.

“We really are now running out of time. This is the crucial week -- we need to get a breakthrough,” British Environment Secretary George Eustice told Sky, adding that if good progress was made this week then negotiations could be extended.

The EU delivered a similar message.

“We are running out of time here,” said Ireland’s Brexit supremo, Foreign Minister Simon Coveney. “The truth of Brexit is now being exposed in terms of the challenges of it.”

After breaking all the deadlines imposed by both sides, the negotiators are still stuck on three main areas: fishing, state aid and how to resolve any future disputes. They have been stuck on those three issues for weeks.

A trade deal on goods would safeguard nearly $1 trillion in annual trade and buttress peace in British-ruled Northern Ireland, though some disruption is almost certain at the busiest EU-UK border points.

Talks between EU chief negotiator Michel Barnier and British chief negotiator David Frost continued on Sunday. British Foreign Secretary Dominic Raab said it was a significant week for Brexit.

“David Frost had made clear that we’re continuing the negotiations because we still think there is a prospect that we can get an agreement and while there is we should persevere with those,” Eustice said.

FISH

Ireland’s Coveney said this was a key week and that a deal could be done if there was give and take on both sides.

But he told Ireland’s Newstalk Radio that a failure to agree on fishing rights could wreck a deal.

“If there isn’t an agreement on this, the whole thing could fall on the back of it and that’s the worry,” he said.

While fishing alone contributed just 0.03% of British economic output in 2019, it is an emotive subject; many Brexit supporters see it as a symbol of the regained sovereignty they hope leaving the EU will bring. Combined with fish and shellfish processing, the sector makes up 0.1% of UK GDP.

“All we’re asking for ... is there to be annual negotiations based on the science and also for there to be a move towards a fairer, more scientific sharing methodology, which is called zonal attachment, which is broadly where the fish are to be found,” Eustice told BBC radio.

“Under that analysis we currently only have access to about half of the fish in our own waters. That is profoundly unfair on our fishermen -- we’ve been clear throughout that needs to change.”

Reporting by Guy Faulconbridge, Kate Holton and Elizabeth Piper in London; Conor Humphries in Dublin and Gabriela Baczynska and John Chalmers in Brussels; editing by James Davey, William Maclean, Larry King

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FISH

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FISH

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FISH

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