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5 ways to simplify your finances in 2015

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Sophia BeraMost people have a tendency to believe that simple things can’t be the best way to achieve big goals. The simple way can sometimes feel too easy and leave us thinking, “what did I miss?”But with personal finances, simple often really is better. Very simple advice will get you to financial success –- if you follow it consistently. That’s the part that trips up many — sticking with the simple stuff long enough to let it work for you.Because the new year often means new resolutions and goals, I wanted to share my thoughts on simplifying your finances in the new year:1. Get OrganizedMany of us have a ton of financial paperwork lying around without a clear system. If you like paper, have folders for tax documents, bank accounts, retirement accounts and insurance documents. If you’re anti-paper (like me), then start gathering, scanning and shredding. Use an online filing system. continue reading »last_img read more

From outbreak to surrender: World War Two in the Pacific

first_imgTopics : Dec. 7, 1941: Japanese forces attack Pearl Harbor with torpedo planes, bombers and fighter planes, pounding the US fleet moored there in the hope of destroying US military power in the Pacific. Around 2,300 Americans die and 1,200 are injured, 21 vessels sunk or damaged and hundreds of aircraft destroyed.The United States declares war the following day and three days later, Germany declares war on the United States.Shortly before the Pearl Harbor attack, Japanese troops land on the east coast of west Malaya, and capture large swathes of territory in their push southward to Singapore.Jan. 15, 1942: Five weeks after the attack on Pearl Harbour, a Japanese land column, moving from Thailand, strikes across the frontier into present-day southern Myanmar. British forces fight back but Japan’s superior jungle tactics see Myanmar fall at the end of May. This month marks 75 years since the end of World War Two in the Pacific.Japan invaded and occupied parts of Asia before and during the war in the name of its emperor, Hirohito, and aligned itself with Germany and Italy in 1940 to become one of the so-called Axis powers.Here are some key events of World War Two in the Pacific:center_img Feb. 15, 1942: Lieutenant General Arthur Percival, commander of the British Commonwealth forces, surrenders to Japanese Lieutenant-General Tomoyuki Yamashita in Singapore after a swift, humiliating battle. Singapore is then occupied by the Japanese until 1945.April 1942: US and Filipino prisoners of war are forced to march about 100km (62 miles) under brutal conditions after the three-month Battle of Bataan in the Philippines. Many died from physical abuse, dysentery and other diseases.Death marches also occurred in Sandakan on Borneo island. Both were later judged as war crimes.Aug. 1942: In the Pacific, Japanese and US troops fight from island to island. Guadalcanal, in the Solomon Islands in the Pacific Ocean, was the scene of six months of fighting. Along with the Battle of Midway, this was one of the first major offensives and decisive victories for the Allies in the Pacific.Oct. 1944: On the verge of losing the Philippines to US forces, Japan conducts its first kamikaze attack off the island of Leyte, deliberately crashing planes into Allied targets. Roughly 4,000 kamikaze pilots died and 34 US ships were sunk as a result of the attacks in the last few months of the war.Feb. 1945: More than 30,000 US Marines battle 21,000 Japanese on the island of Iwo Jima, the first native Japanese soil to be invaded during the Allied advance. Nearly all the Japanese defenders died in the 36-day battle, along with nearly 7,000 US Marines.Aug. 6, 1945: The US B-29 Superfortress Enola Gay carrying 12 crew members drops an atomic bomb nicknamed “Little Boy” on Hiroshima in Japan’s main island of Honshu.The death toll from the blast was estimated at about 140,000 people by the end of the year, out of a total of 350,000 who lived there at the time. Three days later, the United States drops an atomic bomb nicknamed “Fat Man” on Nagasaki.Aug. 15, 1945: Emperor Hirohito announces Japan’s decision to surrender in his first speech broadcast by radio, bringing World War Two to an end.Sept. 2, 1945: A Japanese delegation headed by Foreign Minister Mamoru Shigemitsu board the battleship USS Missouri to sign the surrender document, along with US General Douglas MacArthur as Supreme Allied Commander. last_img read more

Lancashire fund makes 53 appointments to investment framework

first_imgMercerRussell InvestmentsRussell Investments The Lancashire County Pension Fund (LCPF) has made 53 appointments to its investment consultancy framework as the local government pension scheme (LGPS) gears up for its new partnership.The £5.3bn (€7.4bn) scheme for public sector workers in Northwest England is in the process of creating an “asset-liability partnership” with the £4.8bn London Pensions Fund Authority (LPFA), resulting in the need for investment advisory services.As it begins to shift assets into the collective fund with the LPFA, it has hired consultants to a framework agreement covering public equities, credit, infrastructure, real estate, private equity, governance, risk management and macroeconomic analysis.It hired Allenbridgeepic Investment Advisers, Aon Hewitt, bfinance, CBRE Global Investment Partners, Hymans Robertson, Institutional Investment Advisers, JLT Benefit Solutions, Mercer, Redington, Russell Investments, PwC and Stepstone Group across 53 different arrangements. (see table) JLT Benefits SolutionsPwCRedington Stepstone Group Russell Investments Launching the tender in December, Lancashire County Council said it would review various aspects of the fund’s investments and conduct mini-competition exercises as and when required, appointing the most “economically attractive” consultant.This is the second framework agreement LCPF has set up to manage its “partnership” with LPFA, after announcing the winners for a transition management model last month.The pension fund will use BlackRock Advisors, Citigroup, Goldman Sachs, Legal & General Investment Management, Macquarie Capital, Nomura, Northern Trust and Russell Implementation Services, using a similar mini-competition model when required.The LCPF and LPFA announced the new partnership last year with the view to pooling investments, cutting costs and improving governance. Both funds have internal asset management capabilities that will now merge, alongside liability management strategies and administration.The partnership came as the UK government considered responses to a consultation on whether to create collective investment vehicles (CIVs) for the 89 LGPS funds in England and Wales, potentially forcing all funds to invest only in passive listed assets.Both the LCPF and LPFA suggested increased fund collaboration on governance and liability management was more appropriate than a mandatory shift to passive investing, and a focus solely on investment fees.A government response has been delayed and is now expected after May’s general election, due to friction within government departments.Some LGPS funds with internal asset management capabilities are considering legal action against the UK central government should it force schemes to invest via CIVs. Russell InvestmentsJLT Benefit SolutionsMercerMercer RedingtonStepstone GroupStepstone Group Aon HewittAltius AssociatesAon HewittAon Hewitt MercerInstitutional Investment AdvisersJLT Benefit SolutionsJLT Benefit Solutions Altius AssociatesAon HewittJLT Benefit SolutionsJLT Benefit Solutions Allenbridgeepic Investment AdvisersAllenbridgeepic Investment AdvisersAon HewittAon Hewitt LCPF investment consultancy frameworkPrivate EquityGovernanceRisk ManagementMacroeconomic Analysis Aon HewittHymans RobertsonMercerMercer bfinanceAon Hewittbfinancebfinance Stepstone Group JLT Benefit SolutionsbfinanceInstitutional Investment AdvisersCBRE Global Investment Partners Mercer Allenbridgeepic Investment AdvisersAllenbridgeepic Investment AdvisersAllenbridgeepic Investment AdvisersAllenbridgeepic Investment Advisers bfinanceMercerPwC LCPF investment consultancy frameworkPublic EquityCreditInfrastructureReal Estatelast_img read more

OceanWise Bags Scottish Government Marine Data Deal

first_imgOceanWise has secured a framework agreement to provide GIS marine data to the Scottish Government.OceanWise will be delivering marine mapping data products and services including marine themes vector, marine themes digital elevation model (DEM), raster charts and raster charts eXcluding land (XL) to central government departments and agencies, as well as regional councils, all of whom will benefit from having access to the data for decision support and asset management.The contract has a duration of four years, the company noted.Marine themes vector has been engineered into logical data layers for easy loading and efficient use in desktop and web-based geographic information systems (GIS). The data attributes have been specifically designed to provide the best possible information for analysis.last_img read more

Zebu wrestling showcases Madagascar’s unique culture

first_imgThe love that Central Malagasy have for the local Zebu cattle cannot be overstated. The bovines are a symbol of wealth for communities but they also serve another key cultural function.CCTV’s Maria Galang tells us more about ‘Savika’ in the first installment of our special series onMadagascar. Madagascar Election 2013 Videos Madagascar’s government resignscenter_img Mall in Cairo showcases Syrian culturelast_img

Over 70% of infant deaths in Nigeria linked to preventable or…

first_imgNigeria has started making some small strides in cutting down its infant, maternal mortality rates.Africa’s most populous nation has previously earned itself the unfavorable  distinction for recording  the second highest cases of  infant and maternal deaths in the world.More on that story from CCTV’s Kelechi Emekalamlast_img

10 Things You Should Never Buy Used.

first_imgby:  Reader’s Digest MagazineIn tough economic times everyone’s looking for bargains. But while it’s a great idea to buy used bookshelves, books, and CDs, there are some things that just shouldn’t be bought at thrift stores. Here are the top ten:Bike or motorcycle helmetsHelmets are meant to protect you from one accident. Sometimes damage isn’t visible, so buy a new helmet to make sure you’re getting all the protection you need.Child car seatsA car seat that has been in an accident may not protect your child in another. Damaged car seats are common; about one in ten have been in an accident, found one survey conducted in England. Brand-new car seats can cost as little as $50, and safety technology improves each year. Don’t risk your child’s life.TiresIf they’ve been in an accident, tires are likely to be unstable and unreliable.Wet suits and swimsuitsDon’t buy used any extremely personal products, especially if they hug your body. Also, constant changes in water pressure wear out wetsuits, making them more likely to tear.MattressesWith bed bugs infesting homes in record numbers, chances are the critters could lurk in any used mattress. You might also end up sleeping with other people’s mold, mites, bacteria, and bodily fluids (yuck!).CribsScores of crib recalls, as well as changing safety standards, make it hard to verify the safety of a used crib.LaptopsLaptops are more likely to be dropped, knocked around and spilled on, simply because they’re out in the world, while a desktop computer sits (mostly) safe at home.Plasma TVsIt’s hard to determine how well TVs, DVD players, and other electronic devices have been cared for by their previous owners. If your plasma screen dies, it can cost thousands of dollars to fix or replace—sometimes almost as much as it would cost to buy a new TV.ShoesUsed shoes have been molded to their previous owner’s feet. Poorly fitting shoes can cause pain and health problems over time.HatsHats are rarely cleaned before they are donated to thrift stores. They may contain remnants of hair products, sweat, or skin infections.Sources:, US News & World Report, HealthLifestyle 10 Things You Should Never Buy Used. by: – May 25, 2011 33 Views   no discussions Share Tweetcenter_img Share Share Sharing is caring!last_img read more

Public Works situation worries PSU boss

first_imgLocalNews Public Works situation worries PSU boss by: – June 21, 2011 Share Share 17 Views   no discussions Tweetcenter_img Share Sharing is caring! General Secretary of the Dominica Public Service Union, Mr. Thomas Letang. Photo credit: facebookGeneral Secretary of the Dominica Public Service Union (DSPU) Thomas Letang says he is concerned about the future of the Public Works Department where a number of Dominicans are employed.PSU officials met with management of public works last week to discuss an ongoing financial crisis there which has resulted in the nonpayment of salaries for two consecutive fortnights.Though the company was able to pay some of its employees after meeting with the PSU last week it is still not known when the other workers will be paid.“If people who get contracts can be influenced to give some work to the Public Works that can help the situation. I expect that after the budget is presented, central government can engage public works to do some jobs. If the debt that is owed to Public Works is settled, that can help resolve the problems,” he said.Letang says if the situation there is not addressed now it could result in the collapse of the company.“The people are disappointed and depressed that they are not being paid…I think management, the union and policy makes should sit down and address the situation,” he said.Dominica Vibes Newslast_img read more

Man City keep vigil on Sevilla defender

first_img Loading… Read Also: Barcelona to offload Portuguese star to fund new arrivals Barcelona have reportedly highlighted the ex-Bordeaux centre back as a long-term replacement for Gerard Pique in Catalonia, with City wanting him to partner fellow Frenchman Aymeric Laporte at the Etihad Stadium. Kounde joined Julen Lopetegui’s side at the start of the 2019-20 season in a €25m deal, with the Europa League champions set to demand €35m in any possible sale from the Estadio Ramon Sanchez Pizjuan before the transfer window closes. FacebookTwitterWhatsAppEmail分享 Pep Guardiola’s Manchester City are reportedly considering a move for Sevilla defender Jules Kounde, as a potential alternative to Napoli star Kalidou Koulibaly. City have been heavily linked with a move for Senegalese international Koulibaly this summer, however, with Napoli holing out for a fee in excess of €70m, Guardiola is now looking elsewhere. Reports from the Daily Mail claim Guardiola has now turned his attention to Kounde as an option, despite interest in the French U21 international from his former club Barcelona. Advertisement Promoted Content18 Beautiful Cities That Are Tourist MagnetsTop 8 Most Fun Sylvester Stallone Movies10 Largest Cities In The World10 Phones That Can Easily Fit In The Smallest Pocket10 Risky Jobs Some Women DoThese TV Characters Left The Show And It Just Got BetterThe Very Last Bitcoin Will Be Mined Around 2140. Read MoreFascinating Ceilings From Different Countries10 Celebrity Dads Who Have A Bad Relationship With Their KidsTop 10 Most Romantic Nations In The WorldInsane 3D Spraying Skills Turn In Incredible Street ArtBest & Worst Celebrity Endorsed Games Ever Madelast_img read more

The Latest: World ski body postpones presidential election

first_imgThat money will go entirely to the company’s affected workers. Crowder is an ISlide investor and says he felt compelled to give because he knows workers there are in need. Crowder says “to see the potential negative business impact from this outbreak compelled me to help in any way I could.”___Turkish basketball team Fenerbahce says one of its players and three members of the technical and administrative personnel have tested positive for the coronavirus. March 27, 2020 Associated Press Atlético Madrid has followed Barcelona’s lead and announced it will reduce its players’ and coaches’ salaries during the stoppage of competition due to the coronavirus crisis. A day after Barcelona had done the same, Atlético said Friday that it will reduce its payroll temporarily “to ensure the future” of the club. Neither Barcelona nor Atlético are saying how much they would slash salaries. The moves will not impact their players’ contracts.___Top-ranked tennis player Novak Djokovic, his wife and their foundation are donating 1 million euros (about $1.1 million) to help buy ventilators and other medical equipment for hospitals in Serbia. Share This StoryFacebookTwitteremailPrintLinkedinRedditThe Latest on the effects of the coronavirus outbreak on sports around the world:___The International Ski Federation (FIS) has postponed its presidential election at a biennial congress for at least three months due to the coronavirus pandemic. The Latest: World ski body postpones presidential election Djokovic says his foundation’s staff “will be monitoring everything” to get the equipment in place.His wife, Jelena, is the global director of the Novak Djokovic Foundation. She says ventilators needed to help COVID-19 patients range in price from 10,000 to 50,000 euros ($11,000 to $55,000).The 32-year-old Djokovic won the Australian Open in January for his 17th Grand Slam title. Among men, only Roger Federer, with 20, and Rafael Nadal, with 19, have won more.___Jae Crowder of the Miami Heat has donated $15,000 to Boston-based custom slide sandal company ISlide. Evian is one of the five majors on the women’s circuit.The decision was made by the LPGA Tour, the Ladies European Tour and Evian organizers.LPGA Commissioner Mike Whan says “this adjustment makes for easier travel for players and assists us as we look to reschedule previously postponed events.”The women’s British Open is scheduled to be held two weeks after Evian.___ The club says it has not decided by how much the salaries will be lowered.___A Russia-based basketball league with teams in five countries has abandoned its season without declaring a champion because of the coronavirus outbreak.VTB United League CEO Ilona Korstin says it’s not appropriate to continue the season “in the current situation when borders are closed, teams can’t train at basketball arenas and clubs have to allow foreign players to go home.”Korstin says the league will start preparing for the 2020-21 season. Russian club BC Khimki was leading the league with an 18-1 record when it was suspended.___More AP sports: and,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6 Fenerbahce says none of the four have been hospitalized. They were being isolated and monitored at home.The player and three staff members were not named.___The Evian Masters women’s golf tournament has been moved to August because of the coronavirus outbreak.The event originally scheduled for July 23-26 will now be held on Aug. 6-9 at the Evian Resort Golf Club. Hosts for some world championships, including Alpine skiing in 2025, were also due to be voted on at May 17-23 meetings in Thailand.FIS says it hopes to reschedule “in the autumn (fall) of this year,” possibly at a different location.Candidates to succeed 22-year incumbent Gian Franco Kasper as president, and for seats on the FIS ruling council, must be declared 30 days before the rescheduled elections.The three candidates for Alpine worlds in 2025 are: Saalbach, Austria; Garmisch-Partenkirchen, Germany; Crans-Montana, Switzerland.___ ___Spanish soccer club Barcelona says it will reduce the salaries of its players amid the coronavirus pandemic.Barcelona says its executive board has decided to temporarily suspend player contracts. That produces a “proportional reduction of the remuneration provided for in the respective contracts.”The players’ contracts will remain intact during the job suspension.Employers in Spain are allowed to reduce labor costs while guaranteeing that workers will return to their jobs once conditions improve. ___The Diamond League has postponed three more track meets because of the coronavirus outbreak.The events in Stockholm on May 24, Naples and Rome on May 28, and Rabat, Morocco, on May 31 have all been postponed with no new dates set.The first six events of the year have been called off and only the Shanghai meet has been given a new date. The Prefontaine Classic in Eugene, Oregon, on June 7 is now the first scheduled event on the calendar.The Diamond League says “the meeting organizers, the Wanda Diamond League and World Athletics remain committed to delivering a structured extensive season in 2020.” The Russian anti-doping agency is suspending all tests for 10 days in response to measures implemented by the government to fight the coronavirus.The move comes after President Vladimir Putin told Russians except those working in essential sectors to stay home next week.RUSADA deputy CEO Margarita Pahnotskaya tells The Associated Press the testing suspension covers a longer period because of the risk of staff being stranded away from home. Tests stopped Friday and will resume on April 6.Pakhnotskaya says the World Anti-Doping Agency has been notified.She says “we studied all the consequences and agreed we should follow the order. And it was agreed with WADA. I wrote them a letter yesterday.”last_img read more

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