‘Money’ management

first_imgBy Sharon DowdyUniversity of GeorgiaIn the current economy, families are tightening their financial belts and cutting back on unnecessary spending. To help understand this budget shift, 4-H’ers in Spalding County spent a few hours as adults — financially speaking, that is.As part of a financial simulation, more than 300 sixth-, seventh- and eight-graders were assigned jobs, salaries, families and college degrees. A few were high school dropouts. Some had spouses and children. Some had neither, said Spalding County 4-H agent Cherry Hovatter, who organized the lesson.Debit and credit“Each student was given a debit card, a credit card with a $5,000 credit limit and a $1,500 cash advance option,” she said. Students were asked to balance their budgets while buying a home, a car, clothing and food and paying taxes. Those with children had to pay for daycare. They could choose to further their education, too, or take a part-time job.The students were penalized for not making credit card payments and rewarded with salary increases for returning to school.Real-life experiencesAs an added challenge, students drew “It’s Life” cards. The cards either rewarded an unexpected tax refund or lottery winning or delivered an unexpected expense like car repairs or a medical bill.“One student learned quickly that his salary wasn’t going to last a month after he bought a $1,100 vacation at the entertainment booth,” said Spalding County 4-H program assistant Wendy Sauley-Simmons. “He did that before buying a home or a car.” A number of students realized they couldn’t drive a Hummer and buy food and clothing, too. “And I was surprised that no one tried to haggle with the car dealer over price,” Sauley-Simmons said. “They all seem to now realize how expensive raising children can be,” she said. Some students pooled their resources and shared homes. Others saved on daycare by having their stay-at-home spouse watch the children. “It truly mimics real-life situations,” Anderson said. “We have always taught kids that if you do the right things, you’ll get the rewards. Now, a hard-working parent can still lose their job when a company closes down.” State 4-H Leader Bo Ryles agrees.“It’s important that we prepare youth to make wise financial decisions in the future,” he said. “But, it’s our hope that their experience in this simulation will enable them to positively influence their families now.” Despite his efforts, he had $50 left at month’s end. Some of the students’ comments from the survey included: • “If this is how life is going to be, I never want to grow up.” • “Work hard, and make good choices.”• “Don’t have kids. Because without kids, you can go on vacation.” The students learned that buying generic clothes and food saves money. “Some still demanded brand-name clothes and name-brand food,” she said. Raising children costs money At the end of the simulation, Hovatter surveyed the students and discovered half have experienced changes at home due to the recession. “The next time my parents say they don’t have enough money for what I want, I’ll understand and know they really mean it,” she said. McLean completed the simulation last year. This time, she worked two part-time jobs and had $2,600 left at the end of the month. Seventh-grader Gracie McLean learned to buy what she needs and not what she wants. The simulation is an effective teaching tool, said Cynthia Anderson, director of middle-grades curriculum for the Griffin-Spalding County School System. Wants vs. needs After the simulation, seventh-grader Ron Kelley decided to stay in school and live at home as long as possible. “It gave me a taste of what it’s going to be like to be an adult and have to budget money,” he said. “I bought a used car and took on a second job. I wanted to go back to school, but the part-time job kept me busy five nights.” last_img read more

Financial sector’s work on SAFE Banking Act shows together, everyone achieves more

first_imgThe U.S. House of Representatives took an historic vote on legislation to make it easier and safer for cannabis businesses – and the businesses that serve them – to engage in the mainstream financial services sector.Just a few years ago, if someone said this legislation would get a hearing in Congress much less a vote in the House of Representatives, I might have given you a funny look.  But the story of how this bill advanced through the House represents some of the best practices of financial services lawmaking.Reps. Ed Perlmutter (D-Colo.), Denny Heck (D-Wash.), Steve Stivers (R-Ohio) and Warren Davidson (R-Ohio) proved to be tenacious sponsors who were open to making the changes necessary to drive a large, bipartisan vote. Their efforts were supported by a unified financial services sectors led by credit unions, banks and their associations working together to help Congress and their industries understand that the cannabis banking legislation wasn’t about making cannabis legal, but rather about making sure that legal cannabis business can bank safely. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

New global disease-control rules take effect

first_imgJun 15, 2007 (CIDRAP News) – The revised International Health Regulations, substantially updated for the first time since 1969, take effect today, aiming to help protect the world from a host of emerging diseases and health threats such as pandemic influenza and bioterrorism.The revised rules, approved by World Health Organization (WHO) member countries at the World Health Assembly in May 2005, spell out the commitments and responsibilities of countries and the WHO for limiting the global impact of epidemics and other public health emergencies, according to a press release yesterday from the WHO.WHO Director-General Margaret Chan said SARS (severe acute respiratory syndrome) was a wake-up call concerning the world’s vulnerability to the quick spread of new diseases.”Today, the greatest threat to international public health security would be an influenza pandemic,” Chan said in the WHO statement. “The threat of a pandemic has not receded, but implementation of the IHR will help the world to be better prepared for the possibility of a pandemic.”The new rules say that smallpox, polio, SARS, and new human influenza strains must be reported immediately to the WHO. In addition, the rules call for reporting several other diseases, including cholera, pneumonic plague, yellow fever, and viral hemorrhagic fevers (such as Ebola and Marburg), if they cause a serious public health impact or pose a risk of international spread. Under the old rules, only cholera, plague, and yellow fever had to be reported.The revised IHR also require countries to report natural, accidental, or deliberate use of biological or chemical agents or radionuclear material.To encourage more openness about health threats and to speed the international response, the new rules require member countries to:Notify international officials of a public health emergency within 24 hours of assessmentDesignate a national IHR focal point to stay in constant communication with the WHODevelop and maintain core public health capacities for monitoring and responding to emerging threats, including those related to chemicals, radiologics, and foodReport health measures, such as border screening and quarantine, implemented in response to disease outbreaks, with a focus on measures that could impair international trade or travelThe WHO will assist countries that have difficulty complying with the new rules, said David Heymann, WHO assistant director-general for communicable diseases. “This is our responsibility and we expect that the entire international community is committed to the same goal of improving international public health security,” he stated.For the first time, the IHR set forth human rights provisions for international travelers who need medical interventions to prevent the global spread of disease.Because of the evolving threat of a flu pandemic, countries that attended the 2006 World Health Assembly voted for early invocation of some IHR provisions that address avian influenza. The IHR call on countries to provide WHO collaborating centers, in a timely manner, with information and biological materials related to highly pathogenic avian influenza and other novel flu strains.US approach to the rulesIn December 2006, US Department of Health and Human Services (HHS) Secretary Mike Leavitt announced that the United States had formally accepted the revised IHR and would immediately implement the new rules, rather than waiting for them to take effect in June 2007, according to an HHS press release.The measures described in the IHR are voluntary. HHS said countries that adopt the IHR can submit reservations and understandings about the implementation of the regulations.The United States accepted the IHR with the reservation that it would implement them according to US federalism principles, HHS said. Also, the government submitted three understandings, which emphasize that (1) natural, accidental, or deliberate releases of chemical, biological, or radiological materials are notifiable under the IHR; (2) countries that accept the IHR are obligated to report, whenever possible, potential public health events that occur outside their borders; and (3) the IHR don’t create a private right to legal action against the federal government.In January HHS convened a working group of all government agencies affected by the new IHR, according to Katrin Kohl, deputy director of the Centers for Disease Control and Prevention’s (CDC’s) Division of Global Migration and Quarantine. She told CIDRAP News that the agency has held biweekly conference calls to ensure that all departments were making good progress on compliance.Start dates for the IHR vary by country, and some are delayed somewhat because of the reservations they had when they accepted the new rules, according to Kohl. For the United States, the IHR take effect on Jul 17. “Almost everything is in place,” she said. “In the United States, we’re fortunate to have a robust public health system.”Kohl said the HHS secretary’s operations center has been designated as the US focal point for communicating with the WHO. “That office also has the capacity to reach out to all US agencies,” she said.See also:Jun 14 WHO press releasehttp://www.who.int/mediacentre/news/releases/2007/pr31/en/index.htmlFull text of regulations (60 pages)http://www.who.int/csr/ihr/WHA58-en.pdfBaker MG, Fidler DP. Global public health surveillance under new International Health Regulations. Emerg Infect Dis 2007 Jul;12(7):1058-65 [Full text]Dec 13, 2006, HHS news releasehttp://archive.hhs.gov/news/press/2006pres/20061213.htmlMay 24, 2005, CIDRAP News story “WHO updates rules to prevent spread of disease”last_img read more

The first Congress of family and small hotels was held

first_imgHotel owners, representatives of tourism institutions, scientists and experts from Croatia and the world who monitor the economy and tourism, brand managers, investors and representatives of the banking sector, gathered today at the Westin Hotel in Zagreb for the first Congress of Family and Small Hotels.Through year-round business, they strengthen the destination and prolong the season, attract guests with higher purchasing power with a wealth of content, and in addition to traditional emitting markets, guests from the USA and distant markets are in favor – family and small hotels are one of the key segments of Croatian tourism. should be. “Behind family and small hotels is a good tourist year. We have recorded an increase in traffic, better occupancy in the pre- and post-season and these are trends that make us happy and encouraging. Despite good results in recent years, operating costs have risen. In order to maintain the existing profitability it is saved and rationalized in all ways”, Said Šime Klarić, president of the National Association of Family and Small Hotels, which has about two hundred members.”Family and small hotels have an extremely important role because they promote the autochthonous and authentic, initiate changes and improve the entire hotel industry, and I really believe that investing in them is one of the foundations of sustainable development of Croatian tourism. Tourists are increasingly looking for a holiday tailored to their specific wishes and needs. That is why small and family hotels are gaining in importance because they offer a specific tourist product and are very important for attracting an additional segment of tourists to our country, throughout the year. As most small and family hotels are of a high category, strengthening this segment of the offer is extremely important for strengthening the competitiveness of Croatian tourism.”, Said the Minister of Tourism Gary Cappelli at the first Congress of family and small hotels and those who will become it in the Westin Hotel in Zagreb.Šime Klarić, President of the National Association of Family and Small Hotels / Photo: Tomislav Smoljanović:And the fact that there are over ten thousand small family hotels in Austria and not even 400 in Croatia speaks volumes about the fact that this is a successful and sustainable business model. Although they make up only ten percent of the total hotel capacity – unlike, for example, Austria, Italy and Greece, where  80 percent – family and small hotels have long surpassed the competition in terms of offer, facilities and quality. Today, Croatia has about 400 small family hotels, while Italy has 23, and Greece and Austria have XNUMX each. More than 50 percent of members have four- and five-star hotels, and 40 percent have three-star hotels. As many as 33 percent of the members of the National Association are located in the Split-Dalmatia County, 16 percent in the Primorje-Gorski Kotar County, 13 percent in the Istria County, followed by the Šibenik-Knin County with 11 percent… “In order to maintain quality, competitiveness and ensure growth in the National Association, institutional action should be taken quickly and efficiently in four directions – reducing business costs through deregulation of the legislative framework, establishing systematic promotion and branding especially through the CNTB system, systematic education, ensuring better availability of more favorable financial resources from, among other things, EU funds and refinancing adapted to small hotels with special attention to hotels in underdeveloped destinations at sea and on the continent”, Concluded Klarić. Small family hotels should be one of the main backbones of our tourism. That we need higher category hotels is not in question at all, but our tourism should be based on small family hotels, and not exclusively on large hotel systems. It is sustainable and authentic, encourages local development and employment, they work all year round and are ambassadors of our tourism through a personal and direct approach to each guest.RELATED NEWS:last_img read more

After months of heartache, signs of COVID-19 easing in Brazil

first_imgTopics : However, the rate previously fell below 1 in August, only to rebound a week later, according to Imperial.The government statistics are also volatile. On Tuesday and Wednesday, Brazil registered more than 1,100 deaths each day, and experts say it is too early to say the worst is over.”We are on a downward trend compared to the previous high plateau,” said Roberto Medronho, an infectious diseases expert at the Federal University of Rio de Janeiro. “But, the numbers are still high and we have to remain vigilant so that it doesn’t grow again.”Cautionary tale Brazil’s COVID-19 death toll appears to be easing for the first time since May, data shows, a sign the Latin American country could be descending from a long infection plateau that has seen it suffer the world’s second-worst outbreak after the United States.With nearly 4 million confirmed cases, the virus has killed over 120,000 people in Brazil. But the level of average daily deaths dropped below 900 per day last week – the lowest in three and a half months and below the rate of both the United States and India, according to a Reuters tally.Researchers at Imperial College London also calculate that the transmission rate in Brazil, at which each person infected with the coronavirus infects another person, is now below 1, the level required for new infections to slow.center_img Epidemiologists see Brazil’s example as a warning to some countries, like India, that are now seeing cases surge.”Brazil is a cautionary tale,” said Albert Ko, a professor at the Yale School of Public Health who has decades of experience in Brazil. “The epidemic hit hard and many evidence-based interventions were not implemented or done properly in many places.”Social distancing, held by most public health experts as the key tool for containing the spread of the virus while no vaccine exists, was poorly implemented from the start in Brazil, sustaining the long peak in infections and deaths, experts say.Data suggests that has been weakening too.A Reuters analysis of Google mobility data, which collates cellphone movement, showed that the number of people coming and going from places of work in Brazil went from a 37.8% reduction from pre-pandemic levels in April to down just 16% in August. Movement at transit hubs has also increased substantially, the data showed.”We have to work, because we pay rent and the cost of living is very expensive,” said waitress Patrícia Lima, who returned to her restaurant in Rio de Janeiro this month after three months at home.Aboard the crowded bus she takes to get to work, many people don’t wear masks, she said.Stay-at-home measures have been loosened across almost the entire country amid pressure from President Jair Bolsonaro, who has criticized them as harmful to the economy.Viral photos from the weekend showed packed beaches in Rio de Janeiro. Restaurants and bars are busy in Sao Paulo.For Paulo Lotufo, an epidemiologist at the University of Sao Paulo’s Medical School, the main cause of the long plateau was places such as the south and mid-west failing to maintain lockdown measures.”If they had taken the correct measures, done adequate controls and maintained them for a longer period, they would have avoided an outbreak and Brazil would be in a better situation,” he said. last_img read more

Three-in-one home up for grabs in Brighton

first_imgThe home at 152 Brighton Tce, Brighton.Mrs Buccini said the family will be sad to leave.“I’m genuinely hoping that another family who wants to live well and entertain a lot will love it,” she said.The property is being marketed by Siobhan Cowell of Jim McKeering Real Estate Sandgate. The home at 152 Brighton Tce, Brighton.Set on 868sq m, the home features pressed metal ceilings, VJ walls and breezeways combined with ducted vacuum and airconditioning, pool and a video security system.More from newsFor under $10m you can buy a luxurious home with a two-lane bowling alley5 Apr 2017Military and railway history come together on bush block24 Apr 2019Mrs Buccini said for her and Paul, their two children and the in-laws, the property has been perfect.“You have upstairs, downstairs and the detached granny flat, so there are actually three separate living areas,” she said.Mrs Buccini said the whole family liked to gather in the lower level living room. The home at 152 Brighton Tce, Brighton.THIS bayside home allowed three generations of one family to live together but still maintain privacy and independence.The property at 152 Brighton Tce, Brighton was a labour of love for Claire Buccini and husband Paul.They bought the early 1900s home after it had been shifted on to the site. Over the years, they’ve created a high-end finish while still respecting its colonial roots.“We’ve been very sympathetic in the work we’ve done to retain the character.” Mrs Buccini said.center_img The home at 152 Brighton Tce, Brighton.“There’s a big table down there that seats 12 people comfortably so when we have everyone together we have Sunday lunches down there,” she said.But when it comes to a few quiet moments for the couple, they like to wile away the hours in a different spot.“On the front deck upstairs because you’ve got nice views and a sunset, or in the mornings you might have breakfast out there — there’s a view of the water. Even upstairs on the back deck is nice as well because you’ve got the view of the trees and the neighbourhood.”last_img read more

Gerrard to Aribo others: let’s fight to the finish!

first_img Aribo was in action for full 90 minutes in the FA cup clash against Hearts which ended in a 1-0 defeat. The Nigerian and his teammates are hoping to bounce back against Hamilton Academical, to further push them up the log. Read AlsoGerrard all set on staying at Rangers Rangers currently occupy the 2nd position on the table with 64 points in 27 matches clear 12 points below table toppers Celtic who are leading with 76 points in 28 matches. With ten matches to the end of the season Gerrard believes increased fighting spirit will be of immense benefit to Rangers. FacebookTwitterWhatsAppEmail分享 Rangers coach Steven Gerrard says putting aside temporary setbacks and forging ahead is the only way to go after the team was sent packing from the FA Cup. While hailing the contribution of Super Eagles ace Joe Aribo and his teammates so far in the season campaign, the former Liverpool and England captain equally expressed disappointment following the team’s knock out from the FA Cup no thanks to a lone goal defeat by Hearts on Saturday He however urged the players to put the disappointment behind and focus on the future even as they file out against Hamilton Academical in the premier league clash on Wednesday. “If you want to survive at this level you have to bounce back pretty quickly from setbacks and the weekend was a low, I am not going to deny that,” he enthused. Steve Gerrard wants team to bounce back against Hamilton Academical on WednesdayAdvertisement Promoted Content10 Awesome TV Series That Got Cancelled Way Too SoonPlaying Games For Hours Can Do This To Your BodyTop 8 Most Fun Sylvester Stallone MoviesWhat Happens To Your Brain When You Play Too Much Video Games?Which Country Is The Most Romantic In The World?10 Risky Jobs Some Women DoThe Very Last Bitcoin Will Be Mined Around 2140. Read MorePretty Awesome Shows That Just Got Canceled7 Universities Where Getting An Education Costs A Hefty PennyBest & Worst Celebrity Endorsed Games Ever MadeCouples Who Celebrated Their Union In A Unique, Unforgettable Way7 Reasons Why You Might Want To Become A Vegetariancenter_img Loading… last_img read more

Coaches Corner Monday Night On WRBI

first_imgListen Monday Night (9-23) starting at 6 for Coaches Corner, Southeastern Indiana’s top local sports show, hosted by Hall of Famer Ron Raver at Ison’s Family Pizza.Ron’s guests include Batesville Tennis Coach Mike McKinney, Batesville Girls Soccer Coach Kyle Laker, Oldenburg Academy Football Coach Wes Gillman, and Batesville Football Coach Eric Heppner.Thanks to Cecil and The Crew at Ison’s Family Pizza for hosting Coaches Corner.last_img

With Snow On The Way, Safety Tips Offered

first_imgSoutheast Indiana could potentially be affected by another wave of snow, sleet and freezing rain this weekend. This wintry mix could cause power outages and dangerous road conditions, conditions that many residents have already experienced this winter. The nonprofit Federal Alliance for Safe Homes (FLASH) offers the following tips for residents to prepare for potential power outages and possibly more dangerous roads.Power Outage TipsStock up on a supply of flashlights, batteries and be sure to have a battery-powered radio on hand. Do not use candles as they pose a fire hazard.Fill your car fuel tank at least half-full, gas stations rely on electricity to power their pumps.Keep extra cash on hand since an extended power outage may prevent you from withdrawing money from automatic teller machines or banks.If you have a generator, remember do not run it inside a home or garage. Use gas-powered generators only in well-ventilated areas.Don’t plug emergency generators into electric outlets or hook them directly to your home’s electrical system – as they can feed electricity back into the power lines, putting you and line workers in danger.If you lose power, close doors and seal them with towels to keep the warm air in.Never burn charcoal for heating or cooking indoors. Avoid opening the refrigerator or freezer.Unplug or disconnect any electrical devices that were in use when the power went out. Turn off all lights but one, to alert you when power resumes.Check on elderly neighbors, friends or relatives who may need assistance during the outage.Resist the temptation to call 9-1-1 for information–that’s what your battery-powered radio is for.When power comes back on, it may come back with momentary “surges” or “spikes” that can damage equipment such as computers and motors in appliances like the air conditioner, refrigerator, washer or furnace. Wait a few minutes before turning on major appliances to help eliminate further problems caused by a sharp increase in demand. Car Safety TipsResidents should stay at home and off the roads, but if you have to be on the road for an emergency FLASH recommends the following car safety tips.Take a car emergency kit with you. Be sure to include blankets, food and water, flashlights and batteries and a distress flag.Check your tires for air and wear. Be sure to keep tow and tire chains in your trunk as well.If stranded, run the engine and heater about 10 minutes each hour to keep warm. When the engine is running, open a downwind window slightly for ventilation and periodically clear snow from the exhaust pipe. This will protect you from possible carbon monoxide poisoning.Be careful not to waste battery power. Balance electrical energy needs – the use of lights, heat, and radio – with supply.In extreme cold, use road maps, seat covers, and floor mats for insulation. Huddle with passengers and use your coat for a blanket.last_img read more

Arsenal boss Arteta promises Willian new role

first_img FacebookTwitterWhatsAppEmail分享 Arsenal manager, Mikel Arteta, has reportedly managed to lure Willian to Arsenal with a long-term contract and the promise of a change of position. The Chelsea star waved goodbye to Stamford Bridge this week after seven years with the club with an emotional statement. The 32-year-old was chasing a new three-year contract at the Bridge, but Chelsea would not shift on a two-year deal and the winger decided to move on. The Brazilian is widely expected to pen a deal between £100,000 and £150,000-a-week to join Arsenal, signing a three-year contract. And Arteta, according to the Daily Mirror, plans on using Willian in a central role. It’s not a new position for the player, who played centrally when he arrived at Shakhtar Donetsk from Corinthians in Brazil. That was more than a decade ago, but after five different managers at Chelsea, he looks set to resume his No.10 position.Advertisement Loading…center_img The paper claims Willian has been “somewhat mislabelled in recent years” by Frank Lampard and Co. Lampard was a big admirer of Willian and he featured 47 times this season, but the vast majority of those were out wide. read also:Arsenal will complete deals for Willian, Aubameyang this week However, Willian’s impending move to Arsenal will see him used by Arteta in behind the main striker – a position Willian favours, according to The Metro. “Rather than a wide forward they see him as a midfielder, a creator, while it remains his preference to play in a central role, filling the half-spaces and positions behind opposing midfielders, rather than out wide,” reads the Mirror. He was reportedly in north London on Monday to complete his medical with the Gunners.last_img read more