Category: xxmnrvbigecz

  • Conquer Credit Cards.

    first_imgIf you and your credit cards went a little overboard in thespirit of holiday giving, now is the time to buckle down and payoff those debts before the interest has you feeling like the Grinch.Stop Using Credit Cards”If you want to get out of debt, the first thing you haveto do is stop using credit,” said Michael Rupured, an ExtensionService financial management specialist with the University ofGeorgia College of Family and Consumer Sciences.”If you must,” he said, “keep one card for traveland emergencies. But leave the card at home in a safe place untilyou need it.”Cut up all your other credit cards, he said. And close outthe accounts.Make a List and Check Your RatesNext, make a list of all your debts, excluding your mortgage.For each debt, write down how much you owe, the Annual PercentageRate (APR) and the minimum payment. Using this list, determinethe total you owe, how much you pay in interest each month andhow much goes for debt payments.”If you’re behind or have a hard time making minimum payments,you may need help,” Rupured said. “Nonprofit creditcounseling agencies can help you develop a debt repayment planthat fits your budget.” Check under “credit counselors”in the yellow pages of your phone book.If you can afford minimum payments, you can get out of debtwithout professional help.Pay More to One Debt First”Make the minimum payment on all but one of your debts,”Rupured said. “Then put any extra dollars you can come upwith toward that one debt you excluded. Focus on the debt withthe highest APR to save the most on interest.”Continue applying the same amount to debt payments every monthuntil all the debts are paid.”As you pay one credit card or other debt off, add thatamount to your payment for another creditor,” he said. “Ifyou have seven debts with a combined monthly minimum payment of$725, continue to pay $725 until you have repaid all seven debts.”Rupured says increasing your monthly debt payment by $25 canknock several months off your debt repayment time.Use Extra Money Wisely”Put tax refunds, bonuses, gifts or prizes toward yourdebts to pay them off even faster,” he said. “With fewerbills to pay, you’ll have more money, write fewer checks and evensave on postage!”For more help, ask your county Extension office about informationon the PowerPay Credit Payment Worksheet. Once you complete thePowerPay information form, you’ll get several printouts showinga repayment schedule, how long it will take to pay off your debtsand how much you will pay in interest.last_img read more

  • Rocky Point Woman Hit, Killed by Minivan

    first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 49-year-old woman was fatally hit by a minivan in her hometown of Rocky Point on Saturday night.Suffolk County police said Garrett Schneider 21, of Miller Place, was driving a Chrysler Voyager northbound on Hallock Landing Road when his vehicle struck Theresa Swedberg, who had walked into his lane of travel at 6:13 p.m.The victim was taken to John T. Mather Memorial Hospital in Port Jefferson, where she was pronounced dead. The driver was not injured.Seventh Squad detectives impounded the vehicle, are continuing the investigation and ask anyone with information about this crash to call them at 631-852-8752.last_img read more

  • Sage advice from the business titans of “Shark Tank”

    first_img“Shark Tank”, the Emmy award-winning reality television series, returns this weekend with its ninth season. For those not familiar with the hit show, it showcases aspiring entrepreneurial contestants who pitch their business ideas to millionaire (or billionaire in some cases) “shark” investors. Many of us that watch the program may not dream of starting million-dollar business ventures, but we can gain much from the business advice shared by its enormously successful “shark” panel.Great ideas capture attention, but expertise is everythingContestants approach the panel with their initial business pitch, hoping to make a great first impression. Those that stand out immediately grab their audience’s attention and leave them wanting more. While this is an extraordinary first step in standing out from the crowd, smart businesspeople understand that the idea is not enough. In order to prove they are worth investing in, they must demonstrate their knowledge in what exactly it will take to see their venture to fruition.Egos are second to customer satisfactionProfessional businesspeople who have seen success have obviously showcased the moxie and strength needed for getting ahead. But, many also possess too-high opinions of themselves and their endeavors. When an arrogant contestant approaches the “sharks,” it is often instantly apparent that their ego is an issue and the customer comes second. While it’s important they be confident in themselves and their work, demonstrating a real interest in and true understanding of their target market is essential to establishing loyalty and trust.A plan for business growth is invaluableHaving a great idea and earning the interest of potential investors is noteworthy, but to actually sustain their support and the resources needed it’s essential to have a strong business plan in place. To really get others behind their work, professionals must constantly be looking to the next level. Even if the “sharks” are initially fascinated by a potential business idea, if they are not provided with a solid framework for every aspect of the company’s business model (often including, manufacturing, distribution, and pricing), their interest diminishes almost immediately. This is a lesson to professionals to keep looking ahead and to always map out exactly what it will take to meet their objectives. 20SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Wendy Moody Wendy Moody is a Senior Editor with CUInsight.com. Wendy works with the editorial team to help edit the content including current news, press releases, jobs and events. She keeps … Web: www.cuinsight.com Detailslast_img read more

  • How financial marketers can tap the surging mobile ad market

    first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Nine out of ten U.S. adults own a smartphone and 58% own tablets. One out of five Americans are “smartphone only” internet users. Obviously marketing in mobile channels should be part of every financial institution’s advertising strategy.According to a report by eMarketer digital advertising is growing at a rate where its share of ad dollars in the U.S. will surpass traditional media. Near the end of 2018, nearly half of all advertising budgets consisted of two components: mobile advertising (34%) and desktop/laptop advertising (16%). eMarketer projects that by the end of 2020, mobile’s share of U.S. ad dollars will increase at a blistering pace, growing to just about half (49)%, a rise of over 40% in just two years.Marketing for financial services accounted for $1 out of every $8 spent on digital advertising. This compares to the leader — retailing — at 21.9%, but is far ahead of some other industries such as telecommunications, travel, computing and consumer electronics, and media. continue reading »last_img read more

  • Avian flu spreads in Romania; FAO to air role of wild birds

    first_imgMay 25, 2006 (CIDRAP News) – Eleven new outbreaks of avian influenza in birds were reported in Romania today, as the United Nations Food and Agriculture Organization (FAO) prepared for a major conference on the role of wild birds in spreading the virus worldwide.Agence France-Presse (AFP) reported today that the discovery of 11 more outbreaks means 56 outbreaks have been found in Romania since the virus reemerged there 12 days ago. The report did not list the locations of any of the latest outbreaks.Avian flu first turned up in Romania in backyard poultry flocks starting last October. The recent outbreaks have involved some large commercial farms and some poultry in Bucharest, the capital, triggering quarantine orders for some neighborhoods this week.Today’s AFP report quoted Marius Dobrescu of the Bucharest mayor’s office as saying, “Overnight Wednesday 200 people in the fourth district of Bucharest were placed under quarantine, taking the number of isolated inhabitants in the Romanian capital to 400.”On May 22 city officials had imposed a quarantine on more than 13,000 people in the southern fourth district of the city, but the city reopened most of that area the next day.According to AFP, Romania’s health ministry today announced a lifting of the quarantine nationwide. But Dobrescu said the quarantines in Bucharest would not be lifted unless the city received written instructions.Earlier this week, a Romanian intelligence service report blamed turkeys imported from Hungary for spreading the virus. But top Romanian officials have disavowed the report and sharply criticized the intelligence service for it.Meanwhile, China this week reported two outbreaks of avian flu among migratory birds in its northwestern reaches. The agriculture ministry said yesterday that 399 bar-headed geese and ruddy shelducks had died of the virus in Tibet’s Naqu district and in the Guoluo Tibetan Autonomous Prefecture in neighboring Qinghai province, according to an AFP report published yesterday.The ministry said the separate outbreaks were linked by a migration route. The same route also linked two other recent outbreaks in the region, in which 123 birds had died, the story said. Officials said the area is thinly populated and has no poultry farms.Conference to focus on wild birdsThe role of wild birds in spreading H5N1 will be the focus of a major conference scheduled for May 30 and 31 in Rome by the FAO and the World Organization for Animal Health (OIE).About 300 scientists from more than 100 countries will attend the meeting to deal with the controversy over the role of wild birds versus domestic birds, the FAO said in a statement today.The problem at the heart of the controversy, said FAO Chief Veterinary Officer Joseph Domenech, is that no one knows whether wild birds can serve as long-term reservoirs of highly pathogenic avian flu viruses such as H5N1.”Where they are not reservoirs but only victims of contamination from poultry, then prevention has to remain at the domestic bird level,” Domenech said. “But where they are, we have to find out which birds are involved and where they migrate to in order to prevent other wild birds and poultry being infected.”Jan Slingenbergh, senior animal health officer at FAO, said he expects there will be no clear conclusion as to whether wild or domestic birds spread avian flu to new areas. “The answer is it’s a mix,” he said.In most European countries where the virus has appeared, it has been in wild birds, he said. In East Asia, the virus was probably spread by a combination of wild and domestic birds, while in Africa it appears that poultry trade has been mainly responsible, he added.How the virus might reach USIn related news, US wildlife officials are predicting that when H5N1 avian flu comes to the United States, it will most likely arrive aboard wild swans flying across the Bering Strait or exotic birds brought in by smugglers, according to an Associated Press (AP) report published today.H. Dale Hall, director of the US Fish and Wildlife Service, said swans are a good bet because they were the first birds found with the virus in many European countries. But he also said there’s a good chance the virus could ride in on smuggled birds or other wildlife.State and federal agencies in Alaska recently began testing wild birds for the H5N1 virus. The first 1,300 tissue samples from migratory birds in Alaska are due to arrive at a US Geological Survey laboratory in Madison, Wis., for testing later this week, the AP reported. They come from a subsistence hunt by native Alaskans.The story said testing duties will be shared by the Madison lab, which will check the hemagglutinin (H) type, and the US Department of Agriculture lab in Ames, Iowa, which will determine the neuraminidase (N) type.See also:May 25 FAO statement about upcoming conferencehttp://www.fao.org/newsroom/en/news/2006/1000306/index.htmllast_img read more

  • Booking.com’s new rules make it easier to cancel bookings due to coronavirus

    first_img– Force majeure / coercive conditions now also apply to guests affected by the travel ban, to people who have recently, in most cases, been in China in the last 14 days or, in some cases, also in Hong Kong, Macau, Singapore, Taiwan and Thailand. These restrictions, which currently apply in over 60 countries, may include entry bans, mandatory quarantine on arrival or suspension of visas on arrival. Namely, as stated on the website booking.com, from February 19, 2020, the rules of coercion or force majeure apply to all guests affected by international travel restrictions imposed on people who have recently been in China, and also in Hong Kong. , Macau, Singapore, Taiwan and Thailand. These restrictions, which currently apply in over 60 countries, may include entry bans, mandatory quarantine on arrival or suspension of visas on arrival. – All reservations made by travelers from countries other than China, Hong Kong and Macau, regardless of the date of booking or check-in date, are subject to the usual mode of operation as mentioned in the General Terms and Conditions of Delivery of the booking.com platform. In these cases, the property is not allowed to cancel the reservation without the permission of the guest. – For each reservation made by travelers from China, Hong Kong and Macau with a check-in date of February 29, 2020, a refund in advance and a waiver of all cancellation charges are expected in situations where guests / passengers have requested cancellation.Booking.com will waive commissions in these cases. Due to the outbreak of coronavirus, Booking.com published rules of coercion or force majeure, which abolished the standard cancellation rules for reservations in the countries most affected by this disease, as well as for travelers coming from those countries. – For all bookings made for real estate in the above countries with the date of registration on or before February 29, 2020, booking.com expects a refund in advance and waives all cancellation costs (fees, charges and / or other amounts) in situations where guests / passengers requested cancellations. Booking.com will waive commissions in these cases. Coercive circumstances extend to:- all reservations with the date of registration until February 29, 2020.- all properties in China, Hong Kong and Macau- all reservations made by travelers from China, Hong Kong and Macau- any guest affected by international travel restrictions related to coronavirus. As a result of official travel advice regarding coronavirus, guests are unlikely to be able to travel or stay in accommodations in China, Hong Kong and Macau. To protect the health of its partners and guests, booking.com has declared forced circumstances. The explanation on the booking.com website states, among other things, the effect of forced circumstances on real estate in China, Hong Kong and Macau.last_img read more

  • City Corp plans to flex muscles

    first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

  • Asia stocks set to fall on Fed’s dour outlook

    first_imgAustralian S&P/ASX 200 futures were down 1.08 percent, while Japan’s Nikkei 225 futures fell 1.2 percent. Hong Kong’s Hang Seng index futures were 0.31 percent lower.The S&P 500 and Dow Jones benchmarks both moved between gains and losses after the Fed statement, which was the first projections from the US central bank on the economy since the coronavirus outbreak.An S&P index of bank shares, which tend to benefit from rising rates, fell 5.8 percent in its biggest daily percentage decline since April 15, and the S&P 500 financial index was the biggest drag on the benchmark index.“The broad downgrade in banking stocks came as the market wasn’t sure what the extent of their loan loss provisions would be,” Cox said. Asian stocks were set to fall on Thursday after gloomy economic projections from the US Federal Reserve sent the greenback and most Wall Street shares lower.Fed officials at their policy meeting on Wednesday said US gross domestic product is expected to decline 6.5 percent this year. They also flagged the need to keep the key interest rate near zero through at least 2022.“The Fed is basically saying they’re going to keep the system solvent and at the macro level there’s no room for failures but at the micro level there’d be some businesses that won’t survive,” said Jamie Cox, Managing Partner at Harris Financial Group. The Nasdaq benchmark, however, continued its record-breaking rally for the third consecutive session helped by gains in shares of Microsoft and Apple, with investors viewing technology as a defensive sector with massive growth opportunities, Cox added.On Wall Street, the Dow Jones Industrial Average fell 1.04 percent, the S&P 500 lost 0.53 percent, while the Nasdaq Composite gained 0.67 percent.The dollar fell to a three-month trough against the euro, sterling and Swiss franc after the Fed’s pledge to keep monetary policy loose until the US economy is back on track.The greenback fell about 0.4 percent against a basket of major currencies to 95.882 after earlier sliding to 95.714, a level not seen since mid-March.The euro rose as high as US$1.1422 and sterling reached $1.2812, with the dollar hitting a three-month low of 0.9425 franc versus the Swiss currency.US Treasury yields fell as the Fed promised to maintain monthly bond purchases at “the current pace” of about $80 billion in Treasuries and $40 billion in agency and mortgage-backed securities.Benchmark 10-year Treasury yields fell 9 basis points to 0.744 percent. Two-year yields, which are the most sensitive to rate changes, fell 3 basis points to 0.177 percent.Oil rebounded from earlier losses, even as US data showed crude inventories rose to a record high, reviving worries of a persistent glut due to weak demand.Crude stocks rose by 5.7 million barrels in the week to June 5 to 538.1 million barrels, according to a US Energy Information Administration report. [EIA/S]Brent crude settled up 55 cents to $41.73 a barrel. US West Texas Intermediate (WTI) rose 66 cents to $39.60 after falling more than 2 percent in the session.Topics :last_img read more

  • Mindfulness and meditation can worsen depression and anxiety

    first_imgNewScience 14 August 2020Family First Comment: Still want this served up to classrooms of young children?“They found that about 8 per cent people who try meditation experience an unwanted effect. “People have experienced anything from an increase in anxiety up to panic attacks,” says Farias. They also found instances of psychosis or thoughts of suicide. The figure of 8 per cent may be an underestimate, as many studies of meditation record only serious negative effects or don’t record them at all, says Farias.”Mindfulness and other types of meditation are usually seen as simple stress-relievers – but they can sometimes leave people worse off.About one in 12 people who try meditation experience an unwanted negative effect, usually a worsening in depression or anxiety, or even the onset of these conditions for the first time, according to the first systematic review of the evidence. “For most people it works fine but it has undoubtedly been overhyped and it’s not universally benevolent,” says Miguel Farias at Coventry University in the UK, one of the researchers behind the work.There are many types of meditation, but one of the most popular is mindfulness, in which people pay attention to the present moment, focusing on either their own thoughts and feelings or external sensations. It is recommended by several National Health Service bodies in the UK as a way of reducing depression relapses in people who have experienced the condition several times.Enthusiasm for meditation may partly stem from a growing awareness of the side effects of antidepressant medicines and the difficulties some people report in stopping taking them. There have been some reports of people experiencing worse mental health after starting meditation but it is unclear how often this happens.Farias’s team combed through medical journals and found 55 relevant studies. Once the researchers had excluded those that had deliberately set out to find negative effects, they worked out the prevalence of people who experienced harms within each study and then calculated the average, adjusted for the study size, a common method in this kind of analysis.READ MORE: https://www.newscientist.com/article/2251840-mindfulness-and-meditation-can-worsen-depression-and-anxiety/#ixzz6VjwFkyWilast_img read more

  • NYC 9/11 light tribute to move forward, will be supervised by health workers

    first_imgAfter announcing that the annual light display honoring victims of 9/11 would be canceled this year due to coronavirus concerns, officials now say the memorial is back on .New York health officials will supervise this year’s tribute to ensure workers’ safety amid concerns related to the coronavirus pandemic.“This year it is especially important that we all appreciate and commemorate 9/11, the lives lost and the heroism displayed ‎as New Yorkers are once again called upon to face a common enemy,” Gov. Andrew Cuomo said in a statement.last_img read more