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SALT LAKE CITY It kind of reads like a breakup letter to Utah’s beer drinkers.

Anheuser Busch, a part of the world’s largest brewery, has put Utah beer wholesalers on notice that in 2018, there may be fewer brands on store shelves as it stops making 3.2 beer. That’s because Oklahoma, Colorado and Kansas who represent more than 60% of the total 3.2 beer drinkers in America are all moving to sales of heavier brews in 2018 and 2019.

“Once the changes take effect, Utah will be the largest consumer of 3.2% ABW beer, and 3.2% ABW beer will make up only 0.5% of the entire beer sales in the United States,” the Dec. 1 letter, obtained by FOX 13, states.

“Given this reality, we are beginning a process to evaluate our 3.2% ABW beer portfolio, including considering package reductions up to 40% of those currently offered to Utah consumers. This would mean a decline from 113 packages to less than 70, and going from a range of 20 brands to 12.”3.2 beer changes may be coming to Utah, lawmakers hint

Put another way, Anheuser Busch said,
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the reduction in projects means that Utah consumers would be offered less than 6% of the packages sold to the rest of the nation. The letter does not state which brands, from Budweiser and Michelob to Shock Top, it could potentially drop.

“MillerCoors is telling me basically the same thing that Anheuser Busch has been stating,” Jim Olsen, the president of the Utah Beer Wholesalers Association, told FOX 13. “They’re looking at it and there will be some reductions in the number of products they produce.”

The Utah State Legislature has been looking at moving higher point beers out of state run liquor stores and into grocery and convenience stores. It would require a change to the legal definition of “beer.” Utah’s Department of Alcoholic Beverage Control has told lawmakers it could not handle the increased customer volume as people flock to state stores for heavier brews. “But that’s entirely up to the legislature if they want to give more leeway for heavy beer to be sold in grocery and convenience stores in Utah. I just don’t know what they’re going to do.”

Olsen said he doesn’t believe Utah beer manufacturers could handle the drop in sales from big names like Budweiser, Coors and Miller.

3.2 beer for sale in a Salt Lake City grocery store. (Photo by Ben Winslow, FOX 13 News)

“When you’re talking 32 million gallons of beer sold in Utah, the craft brewers just don’t have the capacity or physical facilities to produce that kind of volume,” he said.

But Sen. Stevenson said there is some fatigue on Utah’s Capitol Hill to engage in another debate over alcohol policy. Last year, the state legislature passed a massive liquor bill that did, among other things, tear down “Zion Curtains” that prevented you from seeing drinks made in restaurants.

Sen. Stevenson said they have a little time to address it (Oklahoma’s law change takes effect October 2018), but he acknowledged the legislature would hear from angry beer drinkers if their favorite brands vanished from store shelves.

“That’s very possible it may not be handled this year,” Sen. Stevenson told FOX 13. “And yet,
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I’m not sure it makes a lot of sense to push this until we have a let’s call it a ‘violent market reaction’ to not having products on the shelf.”

mulberry bags john lewis Burying the Myth of Survivorship Bias

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If not the coffin, we have at least a few nails toward dispelling the conventional wisdom about survivorship bias in hedge fund indexes. Our empirical research will demonstrate that hedge funds more often stop reporting returns following periods of positive performance, not when they are likely dying off.

What is survivorship bias? Survivorship bias is the distortion of an index that results from not including certain members in the average. If the funds with poor results dissolve, the remaining positive funds cause the average to overstate the industry average. This issue has been assessed and quantified numerous times across many stock and mutual fund indexes. Since some of these indexes do not include members that have failed, the index is distorted by the exclusion of negative events.

As mutual funds are registered securities, active funds must report their results. Funds with good performance continue to existnd as registered securities must report so the average always includes positive members. Therefore, the exclusion of deceased funds skews the average by excluding those members that had poor results. This creates a bias toward the results of surviving funds. The resulting overstatement of performance is known as survivorship bias.

There are several critical elements contributing to survivorship bias in stock

market indexes. Foremost, the loss of a member is due to below average performance (thus distorting the average upward); ongoing positive performers can and don stop reporting their results. Second, reporting is mandatory, thus the index represents the universe of stock or mutual funds alternatives. We have no dispute that survivorship bias is alive and well in stock and mutual fund indexes. However, this issue has also been expropriated from the public realm and misapplied to the private world of hedge funds and their indexes.

oth studies indicate that survivorship bias in hedge fund indexesmay actually cause an understatement of returns available from hedge fund investing./p>

These distorting elements do not exist in the world of hedge funds. There may be other issues clouding the picture, but not survivorship bias. On the other side of the looking glass, hedge funds cease to report results for two reasons: strong performance leading to a losingof the fund to new investors and poor performance losuresleading to new careers for the partners. As well, unlike their publicly registered counterparts,
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hedge funds report voluntarily to one or more industry databases that compile indexes from those funds that choose to be included. As a result, hedge fund indexes represent only a general proxy for the industry rather than a comprehensive measure of it.

Most hedge fund databases generally exist to provide funds and investors access to each other. Hedge funds that are closed to new investors have less incentive to provide return information. As a result, hedge fund indexes are not comprehensive. In addition, funds that do report may later choose to stop reporting not only due to poor performance, but also due to strong performance. This creates a distribution of events that could either overstate or understate the industry averages and leads to a key question: arethere more poor performers leaving than strong performers bowing out?

Why do we even raise this question when, of course, everyone knows that hedge funds are risky investments and are constantly lowing up only to bury their investorscapital balances. Not so fast.

In two separate studies, we have attempted to quantify the impact of survivorship bias among hedge fund indexes. Both studies produced similar results. In the first, we assessed a series of sixty funds that had ceased to report results to a recognized hedge fund database. The returns from each fund were reviewed for their performance during the prior three months and twelve months. Funds with negative performance were marked as possible losures,whereas those with positive results were considered losingsto new investors. We found that almost two thirds of funds that ceased to report had positive results preceding the end of their reporting.

The second and more comprehensive study included 462 hedge funds that had stopped reporting over a number of years. The funds were assessed for their performance over the three, six, and twelve month periods prior to their last report. For the entire group, the results were substantially similar to the first study: only about one third of funds had poor returns through the point of voluntarily ceasing to report.

Both studies indicate that survivorship bias in hedge funds is skewed heavily toward losings(to new investors) rather than losures(going out of business). Given the lack of reporting requirements and the potential for both positive and negative drivers within the hedge fund industry, survivorship bias may actually cause an understatement of returns available from hedge fund investing.

Neither of our studies purports to qualify for the financial journals. Wee seeking to provide balance to what has been a onesided case. The studies represent empirical and anecdotal evidence that compellingly dispels the tenet of survivorship bias. Though the results of our studies are not conclusive, they clearly indicate that further work is needed to quantify the survivorship bias in hedge fund indexesnd the amount by which their returns actually may be understated.
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Police say a white GMC Yukon was traveling north on Grandview Road, through a series of curves when it lost control and went off the right side of the roadway.Police say a white GMC Yukon was traveling north on Grandview Road, through a series of curves when it lost control and went off the right side of the roadway. The vehicle glanced off a wooden utility pole and then hit a tree and burst into flames.The driver died at the scene and was the only person in the vehicle.Officers say the driver did not appear to be wearing a seatbelt.Most Popular StoriesMost Popular StoriesMore>>Victims hospitalized following double shooting in RaytownVictims hospitalized following double shooting in RaytownUpdated: Friday, March 9 2018 1:01 AM EST2018 03 09 06:01:56 GMTTwo people were injured in a shooting Thursday night in Raytown. in the 9800 block of 81st Street. Police arrived on scene and discovered a male on the street suffering from a gun shot wound. A second man was found inside the home. They were transported to a local hospital. Their conditions are unknown at this time. If you have information about this case,
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contact the TIPS Hotline at 816 474 TIPS. in the 9800 block of 81st Street. Police arrived on scene and discovered a male on the street suffering from a gun shot wound. A second man was found inside the home. They were transported to a local hospital. Their conditions are unknown at this time. If you have information about this case, contact the TIPS Hotline at 816 474 TIPS.The couple was forced to move out of their home due to health concerns, but tragedy struck when they were placed in two separate facilities.11 year old girl dies suddenly in her sleep11 year old girl dies suddenly in her sleepUpdated: Thursday, March 8 2018 6:12 AM EST2018 03 08 11:12:56 GMTA local family is mourning the loss of an 11 year old girl who died unexpectedly just a few days ago. Janiyah Taylor passed away Monday morning in her sleep.A local family is mourning the loss of an 11 year old girl who died unexpectedly just a few days ago. Janiyah Taylor passed away Monday morning in her sleep.Missing Lenexa woman found dead in TopekaMissing Lenexa woman found dead in TopekaUpdated: Thursday,
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March 8 2018 6:09 PM EST2018 03 08 23:09:20 GMTLenexa police issued a Silver Alert for 75 year old Georgia R. Miner. She has not had contact with relatives or friends since March 2.

mulberry lily bags Bursaries Help Selkirk College Students Focus on Post

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The challenges post secondary students face as they work toward a desired education are varied and relative. Some hurdles are greater than others, but those who embark on a journey at Selkirk College have the option of seeking financial relief through bursaries that help ease the strain.

When she enroled in the Education Assistant Community Support Worker Program (EACSW) on the Castlegar Campus, Angela Erickson took out a second mortgage on her home. She put her desire to make a difference in the lives of children before her own financial comfort. But the struggle was not easy.

Angela Erickson is student in the Selkirk College Education Assistant Community Support Worker Program. Erickson is one of 130 Selkirk College students who will receive a bursary this year to assist in the financial pressures of post secondary.

Just before Christmas, Erickson received a letter from Selkirk College informing her of two successful bursary applications that will provide $2,500 towards her education.

“It sent me over the moon when I received a letter from Selkirk College about the bursary,” says the 34 year old. “If it wasn’t for these bursaries, I’m not sure what we would have done.”

Public School Not a Positive Experience

Raised in Castlegar, Erickson’s experience with public school was extremely difficult. Born with a cleft lip and palate, she was badly bullied to the point that she stopped going to school in Grade 6.

“Even now, when I see a school bus I cringe and my stomach turns,” she says. “We all come from something and my childhood wasn’t all bad. It wasn’t always great and it wasn’t always easy, but it has made me the person I am today. Because of what I have gone through, I always try to put myself in somebody else’s shoes and I don’t want any other child to go through it.”

Angela Erickson and her sons Torsten (8) and Brendan (15) who she credits for being the inspiration for her post secondary journey.

Included in Erickson’s intimate understanding of overcoming massive obstacles are her two children, Brendan (15) and Torsten (8). When her oldest son was four months old, he sustained a brain injury and she was told by health professionals that the road ahead was going to be rough.

“We were originally told he would never walk, run or talk,” Erickson says. “Now he walks, talks and runs. He has cognitive impairments, but he is here and he’s thriving. He’s a good kid.”

Providing care and support for her children her youngest also has a cleft lip and palate is more than a full time job. Prior to enroling in the EACSW Program, Erickson’s packed schedule also included six years working as a care aide at Mountain Lake Seniors Community in Nelson to ensure the bills were paid.

The Right Support at Selkirk College

Looking for a career that fit her desire to help children, Erickson took on even more when she decided to complete her high school diploma. With the required high school diploma in hand and acceptance into Selkirk College assured, Erickson says she was overwhelmed by the task ahead. Nervous about being a mature student and balancing her home life, she was quickly put at ease by her classmates and support from Selkirk College staff like EASCW veteran instructor Jane Green.

“I have never met a woman like Jane in my life,” Erickson says with a smile. “She can make change because she is so positive. She is just an incredible person and there needs to be more people like her in the world. It’s made me realize that as an educational assistant or support worker, you can make a difference in a person’s life every day.”

Green shares the same admiration for her student.

“Angela is tireless and fearless, even in the face of many hurdles,” Green says. “Her passion and commitment to her family and to her studies are an inspiration for her colleagues in the class, and for us all. I think she’ll be a powerful force for change in the days ahead.”

Graduates of the EASCW Program work with children and adults living with disabilities, their families, teachers and other support professionals in schools and community care. Once Erickson completes the certificate program, she looks forward to starting a career in a field that requires many of the tools she already possesses.

“What gives me the motivation to keep navigating through the challenges of school is my oldest son, because he has taught me so much,” she says. “What I have gained from Brendan is something much more than any textbook could ever teach me. It hasn’t been an easy road, but I hope in the future I’m able to make the road for somebody else at least a little bit easier to navigate.”

Bursaries are needs based student financial awards. Selkirk College will provide $120,000 in bursaries this year to help students in all programs reach their desired goals. Erickson and other bursary recipients will join donors at the annual Selkirk College Bursary Tea which takes place on February 3 at Mary Hall on Nelson’s Tenth Street Campus.
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EMPORIA, Va. Nearly two months after her burned body was found in a Tennessee field, investigators tracked down one of the people believed responsible for the murder ofAmy LeeAnn Murphy. The Tennessee Bureau of Investigation arrestedKellum Williams, 34, Monday after a tip led them to Emporia, Virginia. Marshal Desmond Proctor said. Marshal Service fugitive task force investigators based in Richmond, Virginia,
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with the assistance of the Greensville County Sheriff’s Office, located this fugitive. Williams was arrested without incident in an apartment in Emporia and transported to a local detention facility. was wanted for first degree murder, abuse of a corpse and violation of community corrections in Tennessee. He was considered one of that state Top 10 Most Wanted Fugitives.

Williams is one of five suspects charged in connection with Murphy murder. The other suspects were previously captured. Murphy burning body was found February 1 in Robertson County, Tennessee. Murphy, a mother of three, was the aunt of Sandra Murphy, one of the suspects arrested in connection with her death,
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according to a report in The Leaf Chronicle.

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Grade 8: Julianna Amsden, Krysta Berard, Aubrey Brown, Emily DeGree, Kyle Drovdal, Makinly Grosche, Brooklyn Hanson, Isabella Johnson, Madison Lauf, Abbigail MacClennan, Caleb Rist, MacKenzie Rist, Jack Schaefer, Grace Schloesser, Kyra Schwartz, Jakob Van Berkom.

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Plum coloured lips slightly parted, the model rests her cheek on her hand as she fixes the camera with an insouciant stare. Her piercing green eyes, alabaster skin and pillowy pout are the mirror image of her mother’s; that enviable bone structure inherited from her father.

Though Iris Law, daughter of former model Sadie Frost and actor Jude Law, clearly possesses the confidence of someone twice her age, she is, in fact, only 16.

Brooklyn has gained most attention for appearing not in front of the camera, but behind it, when he shot Burberry’s ‘This Is Brit’ fragrance campaign last year

Indeed, Burberry has proven the perfect springboard for many a star, including Cara Delevingne scouted in 2012, at 24 she now has a net worth of 14.5 million.

Signing celebrity children is no one off coup; rather, fashion analysts say employing teenagers with famous parents masks a covert bid to capture the under 18s market.

‘Burberry’s children’s range only goes up to age 14, so using older teens in ads will make its adult range more appealing to aspiring teens,’ explains Charlotte Pearce, an analyst at Verdict Retail. ‘In using these young, glossy teenagers with well known mums and dads, it is portraying an aspirational, lifestyle family brand that will draw in parents, as well as their children.

‘It’s also capitalising on the “mini me” trend, which continues to be popular in the luxury clothing market, whereby parents dress their children in lookalike versions of their own designer clothes.’

Burberry, worth an estimated 5.75 billion, can certainly afford to pay its young models more than pocket money (Romeo Beckham, middle son of Victoria and David, reportedly earned 45,000 for a day’s work) and, in return, it gets a hefty boost to its own sales.

Since Christopher Bailey took the helm in 2014, profits have risen by 8 per cent a surge that coincides with the brand’s use of famous teens in its campaigns.

Burberry has simultaneously expanded its range to include items that specifically target school age boys and girls.

Shoppers at its flagship Oxford Street store can browse 250 fluffy keyrings, 350 glittery purses and cashmere teddy bears worth 395.

Its 275 baby pink trainers have been lauded in Teen Vogue; the 105 heart shaped suede charms are coveted by schoolgirls up and down the country; and even boys are clamouring for its 195 checked shirts, 165 beanies and 350 trainers.

Meanwhile, the new lipstick has been compared by beauty experts to American reality star Kylie Jenner’s 23.50 lip kit, which caused a stampede among teenagers when it launched last year.

Pink glittery purse, 350 perfect for stashing Mummy and Daddy’s cash.

Heart shaped bag charm, 105 no schoolbag should ever be without one.

Checked leather high top trainers, 350 don’t even think about wearing them outside.

Heart pattern scarf, 395 like the regular scarf, but 45 extra for hearts.

Teddy keyring, 250 (pictured) this is ‘not a toy’, according to the website.

Checked shirt, 199 guaranteed to transform any boy into Brooklyn Beckham.

Brit For Her perfume, 68 a scent said to be ‘inspired by the iconic trench coat’.

Ribbed cashmere beanie, 165 because everybody needs a cashmere hat.

Zebra calfskin teddy, 1,195 made from the skin of New Zealand calves.

Toiletries luxury gift set, 96 features teeny tiny lotions that smell like ‘rain tipped damask’.

The 12 to 25 year old market is a profligate one, with American consumers in this age bracket spending 25 million a year and that’s not including money spent on them by their parents.

A recent study found that ‘pester power’ costs UK parents 2 billion a year 460 a child much of it on clothes and technology.

While designer labels account for 7 per cent of global clothing purchases, among teenagers this doubles to 14 per cent, so it’s no wonder Burberry is keen to cash in. Studies have shown that simply featuring teens in campaigns makes it highly likely young people watching the ads will go on to buy those products.

It’s a tactic already employed by adolescent brands Jack Wills and Abercrombie Fitch, whose campaigns feature glossy haired, smiling youngsters doing wholesome, outdoorsy activities.

Social media means ads are now doubly effective, as coveted bags, clothes and make up are instantly ‘shared’ with their peer group.
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paper mulberry Bulu Marketplace acquired for an undisclosed amount while Bulu Box expands turnkey subscription box solutions

Bulu Marketplace, a division of Lincoln based startup Bulu Box, announced on Thursday that it is being acquired foran undisclosed amount by an international company building its retail portfolio of software services.

acquisition of Bulu Marketplace by an international leader in retail technology is a win for the Bulu Box team, and we think it a win for the region. Anytime we BangTheDrum and can bring attention to the incredible community in Lincoln and in the Midwest, that attention can move the needle for us all, said Bulu Box Co Founder and CEO, Paul Jarrett.

“We built Bulu Marketplace for companies that provided products in subscription boxes to connect with retail buyers and find the right shelves for their products, said Jarrett. In addition, the company began consulting and executing successful private label subscription box services for select partners. A recent profile in NutraIngredients USA identifies Bulu Box as a “Turnkey Subscription Box Solution.”

our company focused on our core strength of building and rebuilding subscription box programs for other businesses, this acquisition was the perfect move,” said Jarrett. “It’s fantastic to watch Bulu Marketplace evolve while Bulu Box continues to pioneer the subscription box industry.”

This announcement comes on the heels of Paul Jarret talk at the first ever I/O Summit in Lincoln, Nebraska on Wednesday, June 21st. During his time on stage, Paul shared lessons learned at Bulu Box with an audience of startups and corporate innovators. One of those lessons learned was to focus on what you do best.

built an amazing product in Bulu Marketplace, but that product isn within the Bulu Box core focus of building subscription box programs. Selling the Bulu Marketplace division gives our team the capacity to continue growing turnkey subscription box solutions for our partners, said Bulu Box Co Founder and CMOStephanie Jarrett.

The company was awarded Silicon Prairie Awards for Best Creation and Designer of the Year in 2014, as well as Startup of the Year in 2017 as voted by the Silicon Prairie Community.

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Federal prosecutors go to court in North Carolina on Monday in an attempt to obtain government ownership of an estimated $7 million in “Liberty Dollars” and silver bullion seized as contraband at a private mint in Coeur d’Alene. government and manufacturing and selling counterfeit coins. Mint and Federal Reserve. attorney who brought the case claims von NotHaus’ activities amounted to a form of domestic terrorism.

But his defense attorney called that poppycock and blasted the Obama administration for bringing the case. Attorney Aaron Michel said von NotHaus did nothing illegal and promised to appeal the jury’s guilty verdicts and oppose the asset forfeiture.

The owners of Sunshine Minting Co. and the private mint in Coeur d’Alene were not charged criminally, nor are they part of the forfeiture action. Secret Service into his nationwide Liberty Dollar operation.

During that time, von NotHaus went from promoting private coinage to promoting marijuana as a religious drug. He started the “Free Marijuana Church” in Honolulu, giving away joints and calling himself a “high priest” who had used pot for 40 years.

In 1998, while living in Hawaii, von NotHaus founded NORFED (the National Organization for the Repeal of the Federal Reserve Act and Internal Revenue Code) and began printing his own currency and minting coins. coinage. Postal Service, von NotHaus boasted a decade ago.

Quickly, von NotHaus and NORFED became icons in anti tax and radical sovereign citizen movements throughout the United States.

Using the Internet and media outlets targeting anti government ranks, von NotHaus and his sales team also sold Liberty Dollars at redemption centers in nearly every state.

“We never refer to the American Liberty as a coin,” von NotHaus told The Spokesman Review in 1999. “The word ‘coin’ is a government controlled term. This is currency that is free from government control.”

In 2004, von NotHaus sold his coins and anti Federal Reserve philosophy at the anti government We the People organization’s first convention. The following year, the FBI and Secret Service opened an investigation of von NotHaus and his operation. Mint issued a statement warning that the NORFED operation was violating federal law.

The Liberty Dollars in $1, $5, $10, $20 and $50 denominations were manufactured under a contract von NotHaus had with Sunshine Minting. His NORFED paper currency, printed elsewhere, was issued with the promise that it was backed by silver bullion in a vault at the Coeur d’Alene mint.

In 2007, FBI agents served federal search warrants at the private mint, located at 750 W. Canfield Ave. in north Coeur d’Alene, and at NORFED’s headquarters in Evansville, Ind., where von NotHaus had moved.

At the Coeur d’Alene mint, federal agents hauled away an estimated 7 tons of Liberty Dollar coins, silver bullion and coinage scraps, along with dies, molds and cast used in the minting operation.

The seizure included 2 tons of freshly minted “Ron Paul” dollars, supporting the candidacy of the Republican congressman from Texas who unsuccessfully sought the 2008 GOP nomination for president.

Search warrants also were served at two Coeur d’Alene accounting firms involved in what a jury has now determined to be a counterfeiting operation.

The criminal indictment brought against von NotHaus only involved coins he manufactured, not the companion paper currency.

Included on the forfeiture list are 8 tons of precious metals, including 168,599 silver Liberty Dollars in various denominations, an additional 1,000 pounds of silver bullion and 3,039 pounds of copper coins.

Initially, the value of silver in the Liberty Dollars was less than their face value, and von NotHaus eagerly took Federal Reserve notes for their purchase. Over the past years, the value of silver has risen from $20 to about $35 an ounce, so the government seized contraband now has a higher value.

With the Liberty Dollars now viewed as contraband by the federal government, their numismatic value to some coin collectors is reportedly skyrocketing.

“They’re sort of treating these Liberty Dollars like they were cocaine you know, illegal,” Michel said. “That’s certain to drive the price up.”

No one is certain how many Liberty Dollars remain in circulation or in the hands of collectors, but it’s believed to be more than the $20 million estimate from a decade ago.
mulberry document holder bullion seized in CdA focus of federal action