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5 tools to get your budget in order

5 tools to get your budget in order

first_img 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr It’s time to confront your past spending — and make good on your vows to get your money organized. Budget is not a dirty word. And it’s important to remember that it is a verb as well as a noun — it doesn’t happen without your active participation!Here are a few ways to get started on yours. Notwithstanding the terrific computer programs and apps described below, you might want to start with traditional paper and pencil.1. “The Budget Kit: The Common Cents Money Management Workbook” by Judy Lawrence (Kaplan, $19.99). Yes, I’m starting with a paperback budgeting book (also available on Kindle), now in its sixth edition, and one that I have consistently recommended over the past 20 years. (In fact, I was both surprised and delighted to see my earlier endorsement on the front cover of the new edition!) For some people, there is no substitute for seeing money issues in black and white. This is not just a fill-in-the-blanks book to track your spending. It adds helpful advice and resources (including online references) to guide you through the process, whether you live on a regular paycheck or have variable income and ongoing expenses. continue reading »last_img read more

Broome County parks planning safety tactics for anticipated 4th of July crowds

Broome County parks planning safety tactics for anticipated 4th of July crowds

first_img(WBNG) — With Independence Day falling on a Saturday this year, more people are expected to hit the local parks for some fun this weekend. With the expected crowds and camp sites already sold out for the weekend, Woidt says they are taking extra measures to ensure everyone is safe without having to worry too much during the holiday. Broome County Parks and Recreation department says it has seen a higher volume of people visit the parks during the pandemic to get some fresh air. However, with the 4th of July holiday fast approaching, officials are expecting a lot more people this year. In addition, Woidt says staff will be out and about to make sure people are social distancing, but will not be overbearing. “Right now, no one’s traveling, there’s a lot of restrictions now where you can’t travel from the governor’s office, so we’re anticipating a lot of people just from the local Broome County area, just enjoying what we do have to offer,” said Broome County Parks and Rec Youth Services Director, Liz Woidt. “We’re sanitizing the boats and the life jackets between each [use] and we worked with the health department and we opened the playgrounds,” said Woidt. “We worked with Rebecca Kaufman to see that there were not high-risk of transmissions through playgrounds and touch points like that, so the playgrounds are open.” Beaches and playgrounds are open within the Broome County parks and will be monitored by lifeguards and other park officials. To learn more about the parks and protocol, visit here.last_img read more

Otsego Co. Department of Health updates on virus, links many cases to bar

Otsego Co. Department of Health updates on virus, links many cases to bar

first_imgToday, the DOH reported 15 newly confirmed cases in the county, bringing the total number of confirmed cases to 1,157. Of those cases, 77 currently are active. The department of health says the bar, the Copper Fox, has been linked to many reported positive cases of the virus. The health department has also acknowledged that the majority of positive COVID cases in the county have been traced back to SUNY Oneonta and Hartwick College. center_img OTSEGO COUNTY (WBNG) — The Otsego County Department of Health is investigating 22 cases of the coronavirus which have been linked to a bar in Oneonta. More information on Otsego County’s COVID numbers can be found by clicking here.last_img

Marburg outbreak jumps to 200 cases

Marburg outbreak jumps to 200 cases

first_imgApr 8, 2005 (CIDRAP News) – The toll in Angola’s epidemic of Marburg hemorrhagic fever has continued to climb sharply, reaching 174 deaths out of 200 cases, according to the latest reports. The WHO recommended yesterday that Angola’s four immediate neighbors—Congo, the Democratic Republic of the Congo, Namibia, and Zambia—go on alert because of the outbreak, the AFP story said. Apr 7 WHO statementhttp://www.who.int/csr/don/2005_04_07/en/ The outbreak has reached into seven of Angola’s 18 provinces, but it has attained epidemic proportions only in northern Uige province, the origin and epicenter of the outbreak, an Agence France-Presse (AFP) report said. WHO officials in Geneva today put the death toll at 174 and warned that it will take a determined effort to stop the disease, several news services reported. “The situation in Angola is not under control yet,” Dr. Mike Ryan, director of WHO’s alert and response operations, was quoted as saying. “This is still a crisis, and a health crisis at the national level, and requires a profound commitment from national authorities and the international community.” A network of five international labs is providing support “for situations in which exceptionally precise diagnostic results are important because of the implications for control measures,” the agency said. Those labs are in the United States (Centers for Disease Control and Prevention in Atlanta); Winnipeg, Man., Canada; Hamburg, Germany; Marburg, Germany; and Sandringham, South Africa. Ryan said international and local health agencies will need to work hard for the next 4 to 6 weeks to stop the epidemic, AFP reported. Another WHO official, Anarfi Asamoa-Baah, told AFP in Angola yesterday that the outbreak is “going to get worse before it gets better.” Yesterday’s WHO statement said a portable field laboratory is operating in Uige and a second one should soon be operating in Luanda, the capital, to provide rapid diagnostic tests.center_img Scientists from the international labs are sharing test results and information on techniques in a virtual network and during weekly teleconferences, the WHO said. In a statement released late yesterday, the WHO said the outbreak had increased to 200 cases with 173 deaths as of Apr 6, an increase of 19 cases and 17 deaths since the day before. Epidemiologists have been puzzled as to why about 75% of those infected by the deadly virus, at least until very recently, have been children under age 5. Pierre Formenty, a WHO expert on hemorrhagic fevers, said investigators suspect that the hospital in Uige might have contributed to spreading the virus among children, according to a Reuters report today. “There is a possibility . . . that the hospital served to infect children who came to be treated there,” Formenty was quoted as saying. “It is not confirmed, but it is a hypothesis.” See also: Ryan said it is essential for health workers to gain the trust and cooperation of Angolans so that they will heed warnings not to touch sick people or the bodies of victims, according to the AFP story. He said local people appear to have lost confidence in the medical system, which is weak in the aftermath of 27 years of civil war.last_img read more

Requests for loan restructuring on the rise as COVID-19 hits P2P borrowers

Requests for loan restructuring on the rise as COVID-19 hits P2P borrowers

first_imgTopics : AFPI spokesman Tumbur Pardede said some association members may agree to ease loan repayment rules, but it would be applied selectively and differently depending on the condition of each borrower.As such, only borrowers whose businesses are negatively affected by the pandemic and those who have lenders’ permission would be allowed to restructure their loans, he said, adding that not all SMEs had suffered because many of them offer good businesses as they provide for hospitals or sell their goods in e-commerce.AFPI also reported that P2P lenders had experienced an average 5 percent decline in loan disbursements in April from March this year.“But we predict that there will be a rise in loan applications as needs are also increasing during Ramadan,” Tumbur said.P2P lending platform Investree chief risk officer Amalia Safitri said 15 percent of its borrowers had been affected by the pandemic, such as those in the café, restaurant and retail business.However, only 1 percent of the vulnerable sectors have asked for loan payment delays while 2 to 3 percent have only requested a loan restructuring.“The challenge is contacting each lender individually because one portfolio can be funded by hundreds of people,” she told the press, adding that in April or May, the company was expecting more requests for loan restructuring because many of its corporate clients needed to pay Idul Fitri bonuses (THR) to their employees.Amalia went on to say that the loan delays and interest cuts would increase Investree’s non-performing loan (NPL) rate by about 2 percent by the end of the year.Another P2P lending fintech, Crowdo, reported that between 2 or 3 percent of its portfolio funding had been affected by the pandemic, but it also recorded a rise in loan applications from borrowers in the consumer goods and retail sectors.The company’s chief operating offer, Nur Vitriani, said Crowdo was also contacting its lenders as well as doing reassessments on its borrowers before allowing them to get a facility to extend loan repayment periods. She said borrowers who had missed payments before March were not eligible for the loan restructuring facilities.Meanwhile, sharia-based P2P lenders have been hit by the pandemic as Saudi Arabia halted all umrah (minor haj) and haj in March, according to Sharia P2P lender Amaana CEO Lutfi Ardiansyah.“However, debt restructuring does not apply to sharia lending. We simply reduce the profit shares for lenders depending on how the borrowers’ business is doing,” he said.Amid the growing trend of loan restructuring , micro P2P lending Tokomodal reported it had received more loan applications since the outbreak and none of its borrowers had asked for leeway in loan payments.Tokomodal gives short-term loans, in days or weeks, to micro- and small shops such as warungs.“Warungs sell daily needs such as staple foods and cleaning products and ever since the outbreak, people are shopping at warungs more than they do at shopping malls,” he said. “That is why we have yet seen any restructuration requests [from them].” Like conventional lenders, peer-to-peer (P2P) lending platforms have also received a rising number of loan restructuring applications, as the emergency measures implemented by the government have also affected their clients.According to a recent survey by the Indonesian Fintech Lenders Association (AFPI), about half of the association’s members have received loan restructuring applications from their clients. But the association said it had yet to receive information about the exact number of P2P lenders who have eased loan repayment rules.The requests came after the Financial Service Authority (OJK) issued a regulation on countercyclical measures in early April to help borrowers, especially small and medium enterprises (SME), affected by the COVID-19.center_img “Fintech P2P lenders are platforms that facilitate lenders and borrowers. We are different from banks because we do not provide loans, so the restructuration process will be different,” said AFPI chairman Sunu Widyatmoko during a press conference on Monday.Financial Services Authority (OJK) fintech director Hendrikus Passagi told The Jakarta Post that fintech lending platforms adhere to OJK Regulation (POJK) 77 and existing regulations such as the Criminal Code (KUHP), especially those related to contract agreements.Therefore, he said there was no need to formulate any new regulations regarding loan restructuring in fintech lending during the pandemic.“It is not unusual for borrowers to request for payment deferrals as long as they provide a valid reason. Such mechanisms should always be available in the contract between lenders and borrowers,” he said. last_img read more

Martin tops opening night Sprint Nationals qualifier

Martin tops opening night Sprint Nationals qualifier

first_imgJason Martin was the Friday qualifying feature winner at Eagle Raceway, on opening night of the IMCA RaceSaver Sprint Nationals. (Photo by Joe Orth)By Greg SoukupEAGLE, Neb. (Sept. 1) – Jason Martin continued his Eagle Raceway tear on opening night of the IMCA RaceSaver Sprint Nationals.The winner of the last two regular season features at Eagle, Martin topped the Friday qualifying feature, earning $700 and the pole position in Sunday’s $2,500 to win main event.“I think our chances Sunday are as good as any. You’ve got to lose it a few times in order to win it, I guess, so I think we’re as good as we can be right now,” said Martin, who ran third in last year’s Sprint Nationals main after winning the Jake Ita Memorial feature.Chasing Martin across the stripe and lining up behind him on the inside row Sunday were 2015 champion John Carney II, two-time and defending champion Jack Dover, Toby Chapman, Matt Richards, Mike Bos­ton, Tyler Drueke, Stu Snyder and Kevin Ramey qualified for the big dance.Martin was the leader after a lap one restart and stayed in front as challengers shuffled behind him. The final caution of the contest waved with eight laps to go; Dover and Carney swapped second when Dover snagged the spot with five to go, only to see Carney retake the position on the next lap. The final change in the top four came on the last circuit as Chapman got past Richards for fourth.One hundred and eleven Sprint teams saw action in Friday’s rain-delayed show. Qualifying for Saturday’s $1,000 Jake Ita Memorial event were Drueke, Dover, Doug Lovegrove, Jason Howell, Ramey, Luke Cranston, Ken Duke Jr., John Ricketts, Martin, Andy Shouse, Claud Estes, Kaleb Johnston, Carney, Chap­man, Jake Bubak, Dusty Ballenger, Justin Fifield, Ethan Barrow, Adam Gullion and Clint Benson.Dillon Richards was the Mach-1 Sport Compact feature winner.Saturday’s Sprint Nationals program kicks off with 5 p.m. hot laps and racing at 6 p.m. Sprints will be try­ing to lock into one of the nine spots on the outside of Sunday’s main event grid. Also on the card will be Karl Chevrolet Northern SportMods.There will be a pit party following the last race with entertainment by V-Twin Band. Eagle Raceway’s Melon Bar will be open until at least 1 a.m. and replays of the evening’s program will be shown on at the tailgate trailer.Front gates open at 4:30. Adult grandstand admission is $15, youth ages 6-12 are $5 and children five and under are free. Pits open at 3 p.m. with pit passes priced at $25.Sprint Nationals is broadcast by IMCATV.Feature ResultsSprint Cars – 1. Jason Martin, Lincoln; 2. John Carney II, Lubbock, Texas; 3. Jack Dover, Springfield; 4. Toby Chapman, Panama; 5. Matt Richards, Lincoln; 6. Mike Boston, Lincoln; 7. Tyler Drueke, Eagle; 8. Stu Snyder, Waverly; 9. Kevin Ramey, Fort Worth, Texas; 10. Junior Jenkins, Greenville, Texas; 11. Dusty Ballenger, Harrisburg, S.D.; 12. Chase Weiler, Lincoln; 13. Jeff Day Jr., Greenville, Texas; 14. Koby Wal­ters, Liberal, Kan.; 15. Chase Parson, Abilene, Texas; 16. Blake Dacus, Fletcher, Okla.; 17. Jason Danley, Lincoln; 18. Ken Duke Jr., Selinsgrove, Pa.; 19. Ryan Hall, Midlothian, Texas; 20. Shon Pointer, Grand Island.Sport Compacts – 1. Dillon Richards, Beatrice; 2. Bryan Vannausdle, Nebraska City; 3. Shawn Hein, Beatrice; 4. Tim Horsham, Raymond; 5. Steven Rol, Hastings; 6. Jared Jackson, Crete; 7. R.J. Maas, Wil­ber; 8. Steffen Oaks, Lincoln; 9. Justin Callender, Lincoln; 10. Tommy Etherton, Lincoln; 11. Josh Young, Beatrice; 12. Kyle Owen, Nebraska City; 13. Tyler Masek, Raymond; 14. Kyle Grobeck, Omaha; 15.Drew Grobeck, Omaha; 16. Kasha Hall, Lincoln; 17. Joe Baker; 18. Danny Morris, Bellevue; 19. Brian Haller, Lincoln; 20. Lance Rains, Omaha.last_img read more

Leaders come unstuck on Tyneside

Leaders come unstuck on Tyneside

first_img Press Association Newcastle striker Papiss Cisse came off the bench to condemn Barclays Premier League leaders Chelsea to a first defeat of the season. The Senegal international struck with his sixth goal of the season four minutes after replacing Remy Cabella, and then added a second 12 minutes from time. Magpies defender Steven Taylor was dismissed for a second bookable offence and substitute Didier Drogba headed Jose Mourinho’s men back into the game with seven minutes remaining to spark a desperate, but ultimately fruitless, late flurry. It was Chelsea’s third successive league defeat on Tyneside and left Mourinho still awaiting his first win in the competition at St James’ Park. Even the returning Diego Costa could not prevent a Newcastle victory as rookie goalkeeper Jak Alnwick, who had replaced the injured Rob Elliot at the break, denied he and then defender Felipe Luis at the end in front of a crowd of 52,019. Chelsea arrived on Tyneside defending a 21-game unbeaten run since the start of the season and t hey began in ominous fashion with Newcastle’s policy of allowing opponents possession in front of them and attempting to hit them on the break resulting in one-way traffic for much of the opening half-hour. With Costa restored to the side after suspension and Oscar, Eden Hazard and Cesc Fabregas buzzing about behind him, they were utterly dominant in the early stages. After Willian had twice shot wide, Fabregas saw a 23rd-minute effort deflected past the post after Taylor had blocked Hazard’s initial attempt, and Elliot had to save from Costa after Magpies midfielder Cheick Tiote had given the ball to Oscar. But Newcastle finally found their feet and might have been ahead with 32 minutes gone when Thibaut Courtois blocked Jack Colback’s shot with a foot. As Moussa Sissoko started to drive the home side forward, the game opened up and Colback had to make a last-ditch challenge on Costa on halfway to deny the Spaniard a run on goal. However, the visitors continued to threaten and Costa went just wide with an acrobatic overhead kick on the stroke of half-time. Pardew was forced to make a change at the break when Elliot, deputising for the injured Tim Krul, failed to reappear and was replaced by 21-year-old Alnwick, making his senior debut for the club. The newcomer’s goal came under immediate threat with Paul Dummett and Taylor clearing low, driven Hazard crosses and Alnwick punching clear a Fabregas free-kick, flooring Costa in the process. Pardew replaced midfielder Remy Cabella with Cisse eight minutes into the second half and the Magpies responded, although they were fortunate that John Obi Mikel powered a header wide from a Fabregas free-kick when he might have done better. Newcastle took full advantage with 57 minutes gone when Gary Cahill failed to cut out Ameobi’s left-wing cross and Cisse slid home from close range, his second goal in five days. Sissoko could have doubled his side’s advantage on the hour, but looped a header over after a Colback corner had been helped on at the near post. Alnwick saved from substitute Andre Schurrle in the 62nd minute, before Mourinho sent on Luis and Drogba for Cesar Azpilicueta and Willian in a bid to inject fresh impetus into his team. Chelsea hammered away at the Newcastle rearguard as it dropped ever deeper and Alnwick was grateful for the assistance of his left post to keep out Hazard’s steered effort with 12 minutes remaining. But their hopes of a comeback were dashed within seconds when the home side broke at pace for Sissoko to set up Cisse, who made no mistake. Chelsea were given fresh hope with nine minutes remaining when Taylor, who had earlier been booked for a foul on Willian, lunged at Schurrle and was cautioned for a second time, and Drogba glanced the resulting free-kick past Alnwick to reduce the deficit. But even with six minutes of stoppage time in which to find an equaliser, they were unable to deny the 10 men victory. last_img read more

Edu becomes a Union man

Edu becomes a Union man

first_imgMaurice Edu has completed a permanent move from Stoke to Major League Soccer side Philadelphia Union. The 28-year-old United States international midfielder spent the recent MLS season on loan to Philadelphia, making 31 appearances. With the guarantee of regular football, Edu has wasted no time in signing a full-time contract with Union. Press Associationcenter_img It brings to an end his nightmare time with Stoke with whom he made a single substitute appearance lasting nine minutes following a move from Rangers in August 2012. last_img read more

Lambert’s goal ends Lambert’s hopes

Lambert’s goal ends Lambert’s hopes

first_img Press Association Sterling should have made it 2-0 eight minutes before the break but blew a golden chance when Lucas’ header put him clean through and he could only chip weakly at Guzan. Villa offered little going forward although the previously anonymous Tom Cleverley fired over after Ashley Westwood’s pass. It was a rare chance and the hosts were fortunate not to be further behind five minutes into the second half. They relied on Guzan as the keeper turned Skrtel’s header onto the post before he parried Henderson’s fierce drive. Carles Gil was handed his debut after signing from Valencia on the hour with Villa struggling for ideas and they almost levelled a minute later when Mignolet parried Benteke’s 10-yard volley. Borini blasted over two minutes later but Liverpool were being pinned back by a revitalised Villa as Baker headed over and then produced an air shot from just six yards. But the hosts were left to rue the misses when Rickie Lambert sealed Liverpool’s victory with 11 minutes left. Sterling received the ball on the edge of the box and he found his team-mate, whose fine touch took him away from Carlos Sanchez before he drilled into the corner. Paul Lambert’s side have won just twice in their last 18 league games and are just three points above the drop zone, while Liverpool sit seventh. Steven Gerrard failed to recover from a hamstring injury with Raheem Sterling back after his planned winter break in Jamaica. Fabian Delph made an immediate return for Villa after suspension, replacing Joe Cole, and Nathan Baker came in for the suspended Ciaran Clark. Any planned protest from Villa fans – boycotting the first eight minutes to signify eight years under chairman Randy Lerner – flopped with few taking part. They missed little, though, aside from Alan Hutton’s fine tackle to thwart the lurking Borini and Benteke heading at Simon Mignolet. Alberto Moreno did beat Brad Guzan – with a fine low shot in the 17th minute – but his celebrations were pulled back after he was correctly ruled offside. Liverpool were comfortable, patient and probing as they waited for a chance – and their persistence was rewarded on 24 minutes when Borini netted his first goal for the club since April 2013. Jordan Henderson was allowed time to cross and, after pulling away from Jores Okore, Borini volleyed in at the far post. Fabio Borini scored his first Liverpool goal in almost two years as they comfortably despatched Aston Villa 2-0 in the Barclays Premier League. Rickie Lambert clinched victory as the Reds extended their unbeaten run to eight games in all competitions. Martin Skrtel also hit the post while Christian Benteke and Nathan Baker missed decent chances for the powderpuff hosts. Villa’s goal misery continued and they have now gone eight hours and 42 minutes without scoring. last_img read more

Let’s Bet Sports rolls out ‘Fantasy Football league’

Let’s Bet Sports rolls out ‘Fantasy Football league’

first_imgLET’S Bet Sports, the sports betting brand of the Guyana Lottery Company, yesterday launched their ‘Fantasy Football League’, catering to fans of the English Premier League. At a simple ceremony held at the company’s Robb Street location, Regional Office, General Manager Tracey Lewis, after exchanging pleasantries with the media and other officials from Let’s Bet Sports, stated that her entity is more than pleased to be once again rolling out an initiative that caters specifically to fans of the sport and more so the premier league, and more so she’s was happy that they are able to ‘give back’ to their supporters since the brand came into the market six months ago.“Fantasy football is a game in which participants assemble an imaginary team of real life footballers and score points based on those players’ actual statistical performance or their perceived contribution on the field of play,” explained Let’s Bet Sports Brand Ambassador Rawle Toney, who was tasked with detailing what exactly is ‘Fantasy Football’ and how football-loving fans can get involved.“Fantasy football has evolved in recent years, from a simple recreational activity into a significant business due to exposure via the internet, and this is where Let’s Bet Sports comes into play,” Toney said, with the initiative “offering our clients something that they can benefit, outside of their customary wagers on various sports”.In explaining the game, Toney added, “The task is simple, or at least it should be. Participants are asked to select 11 players within a price budget; in this case with the Premier League, it’s £100. There is a restriction on three players per club; a typical selection would be to select 1 goalkeeper, 4 defenders, 4 or 3 midfielders and 2 or 3 forwards.”Points are then gained or deducted depending on players’ performances. Points systems vary between games but typically, points are awarded for: Scoring a goal, Making an assist, Keeping a clean sheet, Saving a penalty. Goalkeeper saves three shots or more and if a team wins.Points can be deducted for conceding a goal (goalkeepers and defenders only), Receiving a yellow or red card; Missing a penalty kick; Scoring an own goal; Getting substituted and if your team loses.According to Toney, after you finish signing up on fantasy.premierleague.com, you will have to enter the code: HEA31M to join the Let’s Bet Sports League.The Rules of the league state that participants are only allowed one entry into the League and must be 18 years or older to play.The player with the most points at the end of the match week will win an authentic fan jersey of their favourite Premier League team.The player with the second-most points will win a $500 voucher to either play online, or at any of our lottery/Let’s Bet Sports agents’ countrywide.“Remember, with Let’s Bet Sports, every ticket you purchase goes back into the development of Guyana. At Let’s Bet Sports, since its inception seven months ago, we’ve been supportive of sports in Guyana, doing so through our kind contributions to several associations and teams and with the sponsorship of various events, and now, with this promotion, we’re giving back to the football-loving fans,” Toney stated.last_img read more