Tag: 魔都桑拿论坛

  • These 3 steps will help you get out of debt this…

    first_img TAGSBudgetCost CuttingDebt Previous articleFive Tips to Cut your Grocery Bill in HalfNext articleNorth Shore Reclaimed Water Treatment Facility to Open Soon Denise Connell RELATED ARTICLESMORE FROM AUTHOR You have entered an incorrect email address! Please enter your email address here Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Providing for a family. Getting an education. Striving for the American dream. Sarah Thomas of Bono, AR, was like so many others, trying to better her life. She got a master’s in nursing in order to give herself and her son a bright future, but soon after found herself overwhelmed by loans.“I pursued an education and ended up with a ton of credit card debt,” says Thomas. “The American dream gone wrong.”She’s not alone. The average U.S. household with debt carries $15,355 in credit card debt and $129,579 in total, according to nerdwallet.com. And the Federal Reserve’s interest rate hike this month means that you will be paying even more interest on your debt; that 0.25 percent rate increase equates to $2 billion in extra fees for Americans next year. For people like Thomas, the weight of paying off high-interest loans can be overwhelming.Thomas was able to consolidate her high-interest debt and take control of her finances. If you want to take control of your financial future and eliminate debt, these simple yet highly-effective strategies can make a big difference.Step 1: Build a solid budgetUse an online budgeting tool like Mint.com to organize your spending. Even if you aren’t able to stick to the budget you set every month, it’s important to know where your dollars are going so you can take action accordingly.Step 2: Consider cost-cutting measuresCan you switch to a cheaper phone plan? Could you cut cable? What about buying generic brands? These are important questions you can ask as you audit your expenses and take appropriate measures to trim unnecessary spending.Step 3: Research debt consolidation optionsMarketplace lending, also called peer-to-peer lending, is an alternative to traditional loans through which borrowers get access to low, fixed rates (insulated from further rate increases by the Fed) with no hidden fees or prepayment penalties. The industry is growing rapidly, with one of the leading platforms, Prosper, surpassing $5 billion in loans this year.For many, a debt consolidation loan helps simplify things. Instead of having multiple bills with varying high interest rates, you can take out a loan to pay off all your debt, and then simply repay the one loan at a lower fixed interest rate. For many people, having one payment versus many makes it much easier to feel like they are in control of their finances.An added benefit is that rates are often lower than with a credit card. According to a WiseBread.com article, it’s important to begin the peer-to-peer lending process by getting a rate quote. Then you can do the math to determine how much money you can save consolidating your debt and paying it off at an accelerated pace.Thomas decided to consolidate her debt through Prosper. She went to www.prosper.com and selected the loan’s amount and purpose. “It’s been the easiest, most streamlined process that I have ever had,” says Thomas. “I am so thankful that we now have an attainable way to pay off debt. That way we can be proud of our hard work rather than forever burdened by it.”To learn more, check out Prosper’s blog. LEAVE A REPLY Cancel reply Please enter your comment! Save my name, email, and website in this browser for the next time I comment. Please enter your name here Florida gas prices jump 12 cents; most expensive since 2014 Share on Facebook Tweet on Twitterlast_img read more

  • Unemployment climbs to 6.4 percent

    first_imgMontpelier — The Vermont Department of Labor announced today that the seasonally adjusted unemployment rate for December 2008 was 6.4 percent, up seven-tenths of a point from the revised November rate and up 2.5 points from a year ago. The nation s job market deteriorated sharply in the fourth quarter and especially in December, said Patricia Moulton Powden, Commissioner of the Vermont Department of Labor. New estimation procedures indicate that Vermont s job market followed those national trends.The preliminary estimates of nonfarm jobs for December, and the revisions to the estimates for November, reflect substantive changes made in estimation procedures. These new procedures are designed to bring the aggregate monthly change in jobs for individual states into closer alignment with the change in national job counts reflected in the estimates produced and published by the Bureau of Labor Statistics. As a result of these changes, the November and December 2008 estimates are not totally comparable to previous months’ data. This will be resolved with the release of revised (benchmarked) numbers for 2007 and 2008 that will be published in March of 2009. For details of these changes, please contact Andy Condon at the Vermont Department of Labor at 802-828-4153 or [email protected](link sends e-mail).Job GrowthBefore seasonal adjustment, Total Non-Farm (TNF) jobs increased by 1,700 or 0.6% from November to December. An increase is typically expected as we move into the height of the holiday season and the beginning of the winter recreation season. However, the observed job increase was smaller than expected resulting in an annual loss of -6,000 jobs or -1.9%. The largest monthly seasonal increase was observed in Leisure & Hospitality, (4,250 or 14.3%). This was enough to keep annual job growth in the sector slightly positive. Large and unexpected monthly loses were seen in Construction (-1,250 or -8.2%), Retail Trade (-350 or -0.9%) and Other Services, (-450 or -4.6%).When seasonally adjusted, December job levels declined by -2,400 or -0.8% over November and by -5,800 or -1.9% from December of 2007. Only Leisure and Hospitality showed a seasonally adjusted increase in jobs over the month, (+500 or 1.5%).Employment GrowthVermont s unemployment rate grew to 6.4 percent in December as a result of a sharp increase in the number of unemployed (+2,500 to 22,700) and a corresponding decrease in employed Vermonters (-2,500 to 334,200). Vermont s observed December seasonally adjusted employment, unemployment levels and unemployment rate were statistically significant. For comparison purposes, the US seasonally adjusted unemployment rate for December was 7.2 percent, up four-tenths of a point from November 2008. Unemployment rates for Vermont s 17 labor market areas ranged from 3.3% percent in Hartford to 9.8% percent in Newport. Local labor market area unemployment rates are not seasonally adjusted. For comparison, the December unadjusted unemployment rate for Vermont was 6.0 percent, up six-tenths of a point from November 2008 and up 2.3 points from a year ago.last_img read more

  • UKGC alerts industry stakeholders of new money laundering & financial regulations

    first_img Winning Post: Swedish regulator pushes back on ‘Storebror’ approach to deposit limits August 24, 2020 Share StumbleUpon UKGC hails ‘delivered efficiencies’ of its revamped licence maintenance service  August 20, 2020 Related Articles UKGC launches fourth National Lottery licence competition August 28, 2020 Submit Share The UK Gambling Commission has alerted industry stakeholders to new regulations implemented on money laundering and financial transfers by the UK Government.This week the UK Government published the “The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017”, with new EU-wide regulations set to come into effect from 26 June.The new publication is set to replace the previous ‘Money Laundering 2007’ regulations, following the consultation from the EU 4th Money Laundering Directive.The UKGC has warned all gambling operators (digital and land-based) to review the document and to understand new requirements that need to be implemented by stakeholders at an industry level.Issuing a note, the UKGC states that operators must fulfill, the following duties and benchmarksOperators still have other duties to prevent money laundering under the Gambling Act, Proceeds of Crime Act, and the LCCPthere is a clear need to further raise standards across the industrythe government has warned it has the power to include other sectors within the new Money Laundering Regulations at a later date if those sectors are assessed as being higher risk.Richard Watson, UKGC Programme Director commented on the update: “We welcome the new Regulations, which supports our licensing objective of keeping gambling crime free.“We are currently in the process of revising our anti-money laundering guidance to reflect the new Regulations – operators are reminded they need to take their anti-money laundering responsibilities seriously and implement the necessary changes.”last_img read more

  • Deputy completes 300-mile bike tour for police memorial

    first_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREBasketball roundup: Sierra Canyon, Birmingham set to face off in tournament quarterfinals “It was awesome,” he said. “It is a very great cause.” Rosales, 39, joined a cross-country riding team of mostly Los Angeles area law enforcement officers Tuesday in New Jersey. The cross-country team had already been riding since April 15 and journeyed through 11 states in 23 days, Gottschalk said. Riders who began the tour in New Jersey came from agencies including the Los Angeles Police Department, Los Angeles World Airport Police, Riverside Police Department and the California Highway Patrol. Each rider raised at least $1,500 to go toward maintenance of the National Law Enforcement Officers Memorial, which honors all law enforcement officers who have been killed in the line of duty since 1794. Funds will also go toward the construction of the National Law Enforcement Officers Museum, Gottschalk said. A Los Angeles County sheriff’s deputy from Rancho Cucamonga completed a nearly 300-mile bicycle tour on Friday with hundreds of other officers to raise money for a police memorial and museum. For Deputy Joseph Rosales, a trainer assigned to the Emergency Vehicle Operations Center at the Fairplex in Pomona, it was his first time participating in the Police Unity Tour. “He never faltered, he kept good spirits the entire ride — even when it rained,” said Los Angeles police Sgt. Steve Gottschalk, who has participated in the tour five years. Rosales, a 15-year veteran with the Sheriff’s Department, reunited with his family at the end of the tour in Washington, D.C. The group rode from Florham Park to Ground Zero in New York City and back to New Jersey the first day, a 60-mile trek, Gottschalk said. The route included a trip through the Holland Tunnel. On Wednesday, riders traveled to Wilmington, Del., flanked by a group of 16 motorcycle officers. Thursday’s 94-mile trip was from Delaware to Annapolis, Md., and the tour concluded Friday with a 42-mile trek to Washington, D.C., Gottschalk said. The group, which had grown to about 700 riders by the last day, arrived at 2 p.m. at the nation’s capital. Riders presented a $1 million check to Craig Floyd, chairman of the National Law Enforcement Officers Memorial. Melissa Pinion-Whitt can be reached by e-mail at [email protected] or by phone at (909) 483-9378.160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

  • Case filed against Dhananjay Munde over government land purchase in Beed

    first_imgThe Beed police on Friday lodged a case of cheating and forgery against Nationalist Congress Party (NCP) leader Dhananjay Munde and 14 other persons in connection with the ‘illicit’ purchase of a plot of land allegedly belonging to the government in Beed district.An FIR under Sections 420 (cheating), 465 (forgery), 468 (forgery for the purpose of cheating), 464 (false document) and 471 (using as genuine a forged document) of the Indian Penal Code (IPC) was lodged against Mr. Munde and the others at the Bardapur police station.The police action follows a June 11 order of the Aurangabad Bench of the Bombay High Court, directing an FIR to be registered against Mr. Munde, who is Leader of Opposition (LoP) in the Maharashtra Legislative Council (MLC), within four days of the court order.Mr. Munde has already moved the Supreme Court against the High Court order.The court had passed the directive on a petition filed by Rajabhau Phad, who had accused the NCP leader of illegally purchasing land for his Jagmitra sugar factory in Beed district.According to Mr. Phad’s petition, the disputed plot of land at Pus village in Beed’s Ambejogai tehsil belonged to the State government and was given to the Belkhandi Math in Beed as a ‘gift’ to its chief priest or mahant, Ranit Giri.In 2012, Mr. Munde had purchased the 17-acre plot from Mr. Giri’s heirs by applying for non-agricultural status of the land.The petitioner had challenged the purchase, stating that as the land originally belonged to the government, it could not be sold to anybody.Stressing that the land for the Jagmitra Sugar Mills was purchased “in strict accordance to rules,” Mr. Munde has refuted the allegations against him, stating that “misleading information” was presented against him in the court.He has alleged that Mr. Phad’s complaint against him smacked of “political vendetta.”The NCP leader said that Mr. Phad, who is the son-in-law of scam-tainted businessman Ratnakar Gutte, was attempting to frame him as he had exposed the farm loan fraud allegedly committed by Mr. Gutte, a prominent sugar baron from the Marathwada region considered to be close to the ruling Bharatiya Janata Party.Mr. Munde’s lawyers have said that there was no mention of the land belonging to the government at the time of the purchase in 2012.This is not the first time the NCP leader has found himself in a soup over shadowy dealings.In October 2013, the Beed District Central Co-operative Bank had lodged a complaint pertaining to fraudulent behaviour against Mr. Munde and 15 others at the Parli police station in Beed.The BDCC had alleged Mr. Munde, as chairman and director of the Parli-based Jagmitra Co-operative Cotton Ginning and Pressing Mill, had taken loans from the bank amounting to ₹11.79 crore between 2003 and 2011 and had failed to repay them. Despite the lodging of an FIR and the filing of a charge sheet against the NCP leader, a local court had stayed Mr. Munde’s arrest.last_img read more

  • Less Madness More Chalk

    The first two days of March Madness came in like a lion and went out like a lamb. On Thursday, two of the first three games in the men’s tournament featured major upsets, with No. 14 seeds UAB and Georgia State defeating No. 3 seeds Iowa State and Baylor. Those games were enough to ruin more than 99 percent of people’s prefect brackets.Then No. 6 Southern Methodist lost to No. 11 UCLA on a terrible goaltending call. And No. 7 seed VCU lost to No. 10 Ohio State (although Ohio State had been favored according to Vegas odds and the FiveThirtyEight forecast).But that was pretty much it. In fact, the better seed won 23 consecutive games on Thursday evening and Friday until No. 11 Dayton finally beat No. 6 Providence late Friday night. (That game wasn’t much of an upset either: Dayton had a 49 percent chance per the FiveThirtyEight model.) Somehow No. 5 seeds even avoided their historic “curse,” going 4-0. Upset magic dissipated into a cloud of chalk.So where does 2015 rank historically? Is it an upset that there were so few upsets?I came up with a quick way to score upsets in the round of 64 in men’s tournaments since 1985, when the field expanded to 64 teams. Every time the inferior seed wins, it accumulates “upset points” based on the difference in seeding. (See the footnote for more detail.1More technically, upset points are based on the typical power ratings associated with each seed. On average, for instance, No. 4 seeds have a power rating 8 or 9 points better than No. 13 seeds, which means they’d be favored by 8 or 9 points on a neutral court. That translates into the No. 13 seed having a 79 percent chance of being defeated. When the inferior seed wins, its number of upset points is calculated as its probability of losing minus 50 percent. So when a No. 13 seed beats a No. 4, it gets 29 upset points (a 79 percent chance of losing minus 50 percent), for example.) The more unlikely an upset, the more upset points. When a No. 9 seed beats a No. 8, it gets just 2 upset points. But a No. 16 would score 49 upset points for beating a No. 1 (something that’s never happened in the men’s tournament.)This year, underdogs scored 105 upset points in the round of 64:No. 14 UAB got 37 upset points for beating Iowa StateNo. 14 Georgia State got 37 points for beating BaylorNo. 11 UCLA got 12 points for beating SMUNo. 11 Dayton got 12 points for beating ProvidenceNo. 10 Ohio State got 7 points for beating VCUThis total is below average, especially by the standard of recent tournaments. Last year, there were 130 upset points in the round of 64. In 2012 and 2013, there were 195 and 192, respectively, the highest totals since the tournament expanded to 64 teams. However, this year’s tournament hasn’t been an outlier, by any means. The first round of the 2000 tournament featured just 26 upset points, while 2007 had just 30.In theory, we might expect to see upsets increase as parity increases in the men’s game and the differences between the teams becomes smaller. And it might not be so surprising that there have been fewer of them in this year’s tournament, which bucked the trend toward greater parity.But the NCAA has also made one move to reduce the number of upsets: It’s gotten better about seeding the teams correctly. The FiveThirtyEight model had the inferior seed favored in only 3 of the 32 games between Thursday and Friday, as did Las Vegas odds.2In fact, the FiveThirtyEight model and Vegas had the same favorite in all 32 games. So while real upsets like UAB over Iowa State may be increasing, “fake upsets” like Ohio State over VCU are on the wane.Check out FiveThirtyEight’s March Madness predictions. read more

  • Two men attack and rob jewelry vendor in Mission Valley

    first_img SAN DIEGO (KUSI) – Two robbers made off with boxes of jewelry outside the Robbins Brothers jewelry store in Mission Valley late Saturday, and they remained at large Sunday.Soon after 7 p.m., a vendor had just left the store, located on Friars Road east of state Route 163, and was backing his car out of a parking space when a black, four-door sedan pulled up behind him and blocked him in, according to Officer Robert Heims of the San Diego Police Department.Two suspects got out of the black sedan and approached the vendor with guns, demanding boxes of merchandise.One of the driver’s windows was broken during the altercation, and one suspect pistol-whipped the driver, Heims said.The two took an undisclosed amount of jewelry items from the victim’s car and took off to the east on Friars Road. June 17, 2018 KUSI Newsroom, Categories: Local San Diego News FacebookTwitter Two men attack and rob jewelry vendor in Mission Valley KUSI Newsroom Posted: June 17, 2018last_img read more