25 ways to improve your finances in 2016

first_imgA new year often inspires new habits, including financial ones. If you want to put yourself on a path to build wealth throughout the year, then consider these 25 steps, all of which are designed to help you rein in spending and work toward greater financial security. They include both offensive moves, like saving more, as well as defensive ones, like protecting yourself from identity thieves.1. Set your goals early and share them.Sharing financial goals with friends – and even strangers through social media – can help you articulate just what those goals are and also hold you accountable. Indeed, research on goal-setting suggests that making public statements about goals helps people commit to them, whether they be money or health related. As 2016 kicks off, consider sharing your goals on Facebook, Twitter or a social goal-setting site like Linkagoal.If you’re stuck, flipping through images can help inspire and focus goal-setting, says Ellen Rogin, a financial services professional and co-author of “Picture Your Prosperity: Smart Money Moves to Turn Your Vision into Reality.” She encourages people to flip through motivational images such as beaches and sailboats when planning their retirement. This exercise is especially useful for partners to make sure they’re on the same page. continue reading » 61SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

RAiG launches social responsibility audit

first_img Lord Goldsmith to lead Howard League’s ‘deeper research’ on crime and problem gambling links June 1, 2020 Share Submit Related Articles RAiG members back radical overhaul of UK gambling’s affiliate landscape June 30, 2020 Restructured GVC sidelines Oddschecker affiliate services  July 8, 2020 Share StumbleUpon Sarah Ramanauskas – Gambling Integrity Responsible Affiliates in Gambling (RAiG) has published the details of its social responsibility audit, which will provide assurance that RAiG members are compliant with relevant UK regulatory requirements.The audit, which will be repeated on an annual basis, will place significant focus upon the improvement of consumer safeguards within the gaming industry, as well as facilitating the implementation of good practice measures. Sarah Ramanauskas, a Senior Partner at Gambling Integrity, who conducted the audits, commented: “The companies involved could not have been more cooperative or committed to the process, and I am pleased that they all passed. “We look forward to working with RAiG in the future, in the belief that the annual social responsibility audits will not only provide assurances about compliance but also provide a platform for sharing best practice and enhancing standards of consumer protection.” The association has emphasised that undertaking the audit and addressing any failings that have been identified will become a condition of RAiG membership, which will be repeated on an annual basis. Commenting on the audit, RAIG’s chairman, Clive Hawkswood, added:  “As with all of RAiG’s work it will evolve over time but setting up the audit process and getting it piloted by our founding members marks a huge step forward. “I very much see it as a benefit of membership rather than something that members or prospective members should be concerned about. As transparency has become something of a watchword for RAiG it was also important that we put this paper into the public arena. “We now feel much more comfortable about encouraging other affiliates to join RAiG simply because we can be open about what is required.  With the pilot successfully completed and with the audit arrangements now in place, we can concentrate on improving standards within the affiliate sector so that it plays its part, and is seen as doing so, in creating a safer gambling environment for consumers. “Against this background, we are now actively encouraging other affiliates to apply for membership and expect to make further announcements on that front very shortly.”The paper published by the RAiG has addressed areas such as the purpose of the audit; frequency; cost; the framework; practical arrangements; the auditor’s report; and the review process. Supporting the audit, the RAiG has outlined a number of other key areas which it will consider rolling out in the future, including the limitation of marketing material to customers vulnerable to gambling-related harm; staff training; the provision of safer gambling information; improvements to co-ordination with gambling operators and the transparency of relationships between affiliates and operators.last_img read more

Emina Hadžiahmetović at the Tournament in Luxemburg

first_imgThe best B&H table tennis player Emina Hadžiahmetović will play at the ITTF tournament in Luxemburg, which is rated for the world senior ranking list.“Emina will play the first match today. She is in a great shape and the participation at this tournament which will be played in the next 3 days will be a good start for her before the world championship in Japan”, said Amela Haždiahmetović- Mujezinović, the sister and the coach of our best table tennis player.Emina Hadžiahmetović is a member of Sarajevo Spina that last weekend continued to dominate in B&H with victories against Banja Luka and Prijedor and again won the champion trophy in the competition of table tennis.(Source: Fena)last_img read more

Wellington-Augusta wrestling match will have live twitter

first_imgSumner Newscow will have a live twitter feed tonight at the Wellington-Augusta wrestling match starting at 6 p.m. Just log onto twitter.com and follow “Cueballnewscow.” To get a twitter account just log in and get a password. If the wrestling match is over in a timely enough manner, we’ll drive down to Mulvane and give you updates of the Wellington-Garden Plain girls game later.last_img

Join Stream Team For Tree Planting Along Allen Creek On November…

first_imgSubmitted by Stream TeamStream Team invites volunteers to plant native trees and shrubs along Allen Creek on Saturday, November 3, from 10 a.m. to 12 p.m. in the Scott Lake area of Olympia.  Volunteers will plant native trees and shrubs to help stabilize the bank and create habitat for wildlife.The planting occurs rain or shine. Volunteers should wear sturdy shoes or boots and dress appropriately for the weather. Stream Team will provide gloves, tools and refreshments.  Youth under the age of 13 must be accompanied by an adult.Allen Creek is a fish bearing stream.  Trees protect the health of streams and fish by providing shade, food and habitat and by reducing stormwater runoff and streambank erosion.  The planting site is located downstream of the Scott Lake Community Center. For directions, please contact Ann Marie Pearce at 360-754-3355 ext. 6857 or visit Stream Team’s website at www.streamteam.info.Stream Team is a volunteer-based program that helps protect and enhance local streams, creeks, rivers and other water resources in Thurston County. The program is sponsored by the storm and surface water utilities of Thurston County, Tumwater, Lacey and Olympia. Facebook0Tweet0Pin0last_img read more

Mater Dei Prep Graduates 76

first_imgMater Dei Prep in Middletown graduated 76 seniors on June 4. The commencement took place at Mary Mother of God Church in Middletown. The valedictorian was Taralynn Zecchio and the salutatorian was Gabriella Rosko. An alumnus of Mater Dei, Joseph Oxley, was the guest speaker at graduation. Above, new graduates, from left, Alexis Travers, Glenn Slocum, Erin Shaw and Michael Farrell celebrate their commencement.last_img

Owls add 19 recruits on National Signing Day

first_imgZietek played overseas in Germany and is rated as a three-star recruit by 247sports. Zietek verbally committed to Temple June 16 and is the fourth Owls’ offensive lineman from out of the country.  Kobe Wilson: Trask attended Evans High School in Evans, Georgia and is rated as a three-star recruit by 247sports. Trask verbally committed to Temple on July 4. Clary attended Woodrow Wilson High School in Camden, NJ and is rated as a two-star recruit by 247sports. Clary verbally committed to Temple on Feb. 23 and was recruited by Brown.  Defensive Back:  Defensive End:  D.J. Woodbury:  Hawkins attended The Haverford School in Havertown, PA and is listed as a two-star recruit, according to Rivals. Hawkins verbally committed to Temple on Dec. 15 and recorded two interceptions this season.  Defensive Tackle:  Blair is a three-star recruit according to 247sports and attended Haverford High School in Havertown, Pennsylvania. Blair verbally committed to Temple on Dec. 13. He recorded 26 carries for 258 yards against Upper Darby High School on Nov. 28, according to MaxPreps.  Muheem McCargo:  Linebacker: Nick Bagashvili:  Woodbury attended Burlington City High School in Burlington, NJ and is rated as a two-star recruit by Rivals. Woodbury verbally committed to Temple on June 25 and was recruited by Brown. Matthew Duncan:  Chevez Trask:  Offensive Line:  Here is a breakdown by position of the players who committed to Temple.  Miles Zietek:  Garrett Williams:  Odom attended Kingsway High School in Swedesboro, NJ and is listed as a two-star recruit by 247sports. Odom verbally committed to the Owls on April 6 and was also recruited by Brown University.  Ware is transferring from Copiah-Lincoln Community College in Starkville, MS and is listed as a zero-star recruit by 247sports. Ware plays safety and was recruited by safeties coach Melvin Rice. Ware verbally committed to Temple on Dec. 12.  Morris attended Wendell Phillips Academy High School in Chicago, Illinois and is rated as a three-star recruit by 247sports. Morris verbally committed to Temple on June 10 and was recruited by Rice.  Athlete:  Bryce Thoman: center_img Davis attended Geneva High School in Geneva, Ohio and is rated as a three-star recruit by 247sports. Davis verbally committed to Temple on June 27 and was also recruited by Tripodi.  Zae Baines:  Bagashvili attended Tottenville High School in Staten Island, New York and is rated as a three-star recruit by 247sports. Bagashvili verbally committed to Temple on Dec. 17 over Rutgers.  Jalen Ware:  Quarterback:  Daiyaan Hawkins:  James Della Pesca:  McCargo attended Woodrow Wilson High School in Camden, New Jersey and is listed as a three-star recruit by 247sports. McCargo verbally committed to Temple on Aug. 1 and was recruited by former coach Fran Brown who joined Rutgers University’s staff on Dec. 7.  Temple University football announced its 2020 recruiting class on Wednesday. The team will welcome 19 new players to the program this upcoming season. This is coach Rod Carey’s first recruiting class since joining the Owls.  Williams attended King’s Fork High School in Suffolk, VA and is listed as a two-star recruit, according to 247sports. Williams verbally committed to Temple on Aug. 3 and played safety.  Darian Varner:  Wilson attended Parkview High School in Lilburn, GA and is ranked as a three-star recruit by 247sports. Wilson received an offer from the University of Georgia and originally committed to Memphis but decided to sign with Temple on Dec. 18.  Thoman attended Central Dauphin High School in Harrisburg, PA and is rated as a three-star recruit by 247sports. Thoman verbally committed to Temple on June 29 and was recruited by offensive line coach Joe Tripodi and quarterbacks coach Craig Harmon.  Sam Davis:  Alex Odom:  Della Pesca attended Pascack Valley High School in Hillsdale, NJ and is rated as a three-star recruit by 247sports. Della Pesca verbally committed to Temple on May 30 and also played tight end.  Baines attended North Cross School in Roanoke, VA and is rated as a three-star recruit by 247sports. Baines verbally committed to Temple on Sept. 8 and was recruited by wide receivers coach and passing game coordinator Thad Ward.  Duncan attended Ashley Ridge High School in Summerville, South Carolina and is rated as a three-star recruit by 247sports. Duncan verbally committed to Temple on April 17 and recorded 1,172 passing yards and four touchdowns in his senior season.  Wide Receiver:  Dyshier Clary:  Trey Blair:  Demerick Morris:  Varner attended Maury High School in Norfolk, Virginia and is rated as a three-star recruit by 247sports. Varner verbally committed to Temple on July 19 and was recruited by defensive line coach Walter Stewart. last_img read more

MANDELLA’S WILD AT HEART MUCH BEST IN GRADE III, $200,000 BUENA VISTA STAKES AS SHE WINS BY 3 ½ LENGTHS UNDER PRAT; INDIAN CHARLIE MARE GETS MILE ON FAST MAIN TRACK IN 1:36.48

first_imgSWITCH FROM TURF TO DIRT RESULTS IN SIX SCRATCHES, GRADED STATUS TO BE DETERMINED ARCADIA, Calif. (Feb. 18, 2017)–Originally categorized as a Grade II and scheduled for a mile on turf, Saturday’s Grade III, $200,000 Buena Vista Stakes was shifted to the main track due to heavy rains on Friday, resulting in six late scratches, but Richard Mandella’s Wild At Heart was undeterred, as she streaked to a 3 ½ length win under Flavien Prat while getting a flat mile on a fast track in 1:36.48.A close third moving into the far turn, Wild At Heart pounced on pacesetters Hillhouse High and Lily Pod three furlongs from home, shook loose of the latter straightening for home and won as much best while notching her first added money victory.The 3-2 favorite in a field of five older fillies and mares, Wild At Heart, a 5-year-old Kentucky-bred mare by Indian Charlie, paid $5.00, $3.00 and $2.60.“After the scratches, the race got a bit easier,” said Mandella, who was also instrumental in Prat’s development as one of America’s bright young riding stars.  “We were anxious to see what she could do on the turf, but I’ll take what happened here today…You know I’m partial to Flavien.  To me, he looked great when he was 18 years old (now 24).  I think he does make a difference.  I think he’s one of the best that we’ve seen in a long time.”Owned by Ramona S. Bass, LLC, Wild At Heart, who was a well beaten fourth here in the Grade II La Canada Stakes on Jan. 14, got her third win from 11 starts and with the winner’s check of $120,000, she increased her earnings to $331,305.“The pace was fast, but that’s the way it set up today,” said Prat, who is also Santa Anita’s leading rider through 31 days with 35 wins.  “She won pretty easy though.  She was much better today than last time out.”Ridden by Martin Garcia, Lily Pod sat a close second most of the trip and maintained that position late, finishing 6 ¼ lengths in front of Hillhouse High.  Off at 7-2, Lily Pod paid $4.00 and $3.00.Hillhouse High, who had no answer for the winner around the far turn, held third by a nose over Jeremy’s Legacy.  Ridden by Santiago Gonzalez, Hillhouse High was off at 5-1 and paid $3.20 to show.Fractions on the race were 22.97, 45.89, 1:10.22 and 1:23.00.Note: The American Graded Stakes Committee will review the result of the Buena Vista in the next week and will determine whether it will remain a Grade III or be restored to its original Grade II status.last_img read more

World Cup: Road to the final

first_img0Shares0000Griezmann scored the first penalty to be awarded by VAR in World Cup history against Australia © AFP/File / Kirill KUDRYAVTSEVMOSCOW, Russian Federation, Jul 14 – France play Croatia in the World Cup final at Moscow’s Luzhniki Stadium on Sunday. Here is each team’s path to the showpiece match.France Group stageFrance had a helping hand from the video assistant referee (VAR) in their World Cup opener and a dash of good fortune when Paul Pogba’s effort deflected off Australia’s Aziz Behich and into the net to seal a 2-1 win. A low-key 1-0 victory against Peru put them in a prime position to qualify and a 0-0 draw against Denmark ensured they topped their group.Last 16A 4-3 win against Lionel Messi’s Argentina was one of the standout matches of the tournament. Goals from Angel Di Maria and Gabriel Mercado cancelled out an early Antoine Griezmann penalty before Benjamin Pavard struck a wonderful equaliser and teenager Kylian Mbappe scored twice. A late Sergio Aguero goal was not enough to save Argentina.Quarter-finalFrance had far too much quality for a Uruguay side missing in-form forward Edinson Cavani, winning 2-0. Defender Raphael Varane headed France ahead towards the end of the first half and Griezmann scored thanks to a terrible error by goalkeeper Fernando Muslera.Semi-finalFrance knew they had a tough job on their hands to contain a Belgium side boasting Eden Hazard, Kevin De Bruyne and Romelu Lukaku but for the second consecutive match they kept a clean sheet. Samuel Umtiti scored the winner in the second half from Griezmann’s corner to take the team through to their third World Cup final as 1-0 winners.CroatiaGroup stageLuka Modric scored a magnificent goal as Croatia crushed Argentina 3-0 © AFP/File / Martin BERNETTICroatia were one of only three teams in Russia to win all three of their group matches, beating Nigeria 2-0 in their opener and Iceland 2-1 in their final game. But their standout performance came in their second match, when they swept aside two-time winners Argentina 3-0 to make a huge statement of intent.Last 16Goalkeeper Danijel Subasic was the hero, saving three penalties in the shootout as Croatia squeezed past Denmark. Earlier, they had conceded a goal in the opening minute but hit back quickly to equalise through Mario Mandzukic. Luka Modric missed a penalty shortly before the end of extra-time but Croatia survived.Quarter-finalCroatia looked like they would have too much quality for a solid but limited Russia side but were again taken to extra-time and penalties. Goals from Andrej Kramaric and Domagoj Vida cancelled out a Denis Cheryshev opener but Croatia watched in agony as Mario Fernandes snatched a late equaliser. Ivan Rakitic struck the decisive penalty to send his side through to the semi-finals.Semi-finalCroatia were again forced to dig deep against England. Zlatko Dalic’s side looked in deep trouble after conceding a early goal in Moscow but regrouped to equalise midway through the second half. Despite dominating the second period they were unable to force a winner until deep into extra-time, when Mandzukic struck to break English hearts and win the match 2-1.0Shares0000(Visited 1 times, 1 visits today)last_img read more

Fishing the North Coast: Record low returns for fall Klamath kings

first_imgStill reeling from four years of drought and less than ideal ocean and river conditions, it’s no surprise that the number of returning Fall Chinook to the Klamath Basin in 2016 were the lowest on record.According to the CDFW, the 2016 preliminary postseason river run size estimate for Klamath River Fall Chinook was 27,353 adults compared to the preseason-predicted river run size of 54,000. Only 15,818 adults escaped to natural spawning areas, which was well below the 40,700 adults needed for …last_img read more