Mobile carriers have long persuaded many of us to upgrade our smartphones every two years, offering two-year contracts linked to free or low-cost phone upgrades to keep the two-year upgrade cycle going. That feeling of ponying up just a couple hundred dollars (or less) for the newest, fanciest phone available, has helped perpetuate the rise of the de facto two-year phone upgrade. Case in point: AT&T and Verizon marketed a “free” iPhone 12 last year for customers who buy unlimited plans and commit to a multi-year deal.

The 444 municipalities in Ontario, Canada’s most populous province, would face a combined revenue shortfall of about C$2.4 billion ($1.9 billion) due to the pandemic, Ontario’s Financial Accountability Office said website in December.

“Underwriters only have a certain amount of premium dollars,” said David Richards, chief executive of specialty insurance brokerage EQUA Specialty Risk Partners Corporation. “If they’re historically losing money on municipal insurance … then capacity shrinks. As a result, they focus on where they can make money.”

Smartphone innovation has stagnated, and this is not a knock against the consumer electronics companies or the tech giants that design them. Maybe we’ve reached peak smartphone, and this is as far as it needs to go. It could well be part of the reason why the race to upgrade your phones is slowing.

Let’s also take a moment to consider the question: What makes the S21 an attractive buy? Chances are, a great camera, fast performance, battery longevity and a crisp display with narrow bezels are at the top of your list. But the truth is 2019′s Galaxy S10 boasts all those features. Heck, even the Galaxy S7 from five years ago did. My point is yearly changes have become too incremental to compel most people to upgrade with urgency, especially given the backdrop of rising smartphone prices.

While Apple is committed to a net zero supply chain by 2030, it’s tough to argue that there’s a better alternative to lower carbon consumption than less consumption. After all, Apple says the iPhone 12′s end-to-end supply chain emits 70 kilograms of carbon to the atmosphere. If even 1 million people waited that extra year, we could save 70,000,000 kilograms of carbon from going into the air in a year. Imagine if it was 10 million or 100 million. It’s something to think about before making that upgrade. 

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Dortmund ‘baulk at Malen fee’

Holland star Donyell Malen was another player who caught the eye at Euro 2020 and has been strongly linked with a £26m move to Borussia Dortmund.

“She held on for one last victory, managing to fight off the virus, but had expended all of her energy in the process,” Branson wrote in a blog post citing her as a major inspiration and force behind his career. “She took glider lessons disguised as a boy, enlisted in the WRENS (Women’s Royal Naval Service) during World War II … she was inventive, fearless, relentless — an entrepreneur before the word existed.”

The centre-back, who was signed as cover for the injured Virgil van Dijk and Joe Gomez earlier this year along with Ozan Kabak, is reportedly determined to make it at Anfield and will reject any move to Celtic and Bournemouth this summer.

Although J&S is not unique to municipal policies, the perception of governments as deep-pocketed has driven outsized payouts, said Pete Karageorgos, consumer and industry relations director at the Insurance Bureau of Canada.

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Branson called it the “experience of a lifetime” in a staticky radio transmission from Unity as it began to glide back to Earth. The craft then returned for a picture-perfect landing near the same spot VMS Eve launched from almost exactly an hour earlier. “Welcome to the dawn of a new space age,” the 70-year-old Branson said later from the tarmac of Spaceport America. 

Dortmund ‘struggling to pay £26m fee needed to sign Donyell Malen’

The 22-year-old forward’s move from PSV Eindhoven to Borussia Dortmund is in doubt as the German club are struggling to pay the funds required to sign him, according to reports.

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