Submitted by Nancy J. LaPointe for Navigate FinancialNancy J. LaPointeThe credit card commercials promote activities showing families racking up the debt with loved ones and claim that these moments are “priceless”. They do have one thing correct; time with our loved ones is priceless. Debt on the other hand has a tremendous price. Emotionally, and in turn physically, individuals and families are negatively affected by their debt load. At least a few times a month I sit down with someone who feels ashamed, sick, and frustrated — all related to their credit card debt load. Society and individuals are not attuned to seeing credit cards as instruments of debt, what is seen is the entitlement, the instant gratification of card use.Using credit cards as a convenience, is just that, easy. It is easy to use and also easy to abuse. A credit card with a $5,000, $15,000, $40,000, even $500 limit does not mean you have those dollars available, it is not your money. It means the credit card companies are willing to let you go into debt to them for that dollar amount. You get to use their money and in turn you owe them what you borrowed, plus interest. You’re in debt to them and they make it so easy.Credit card use needs to be thoughtful, with intention, and there must be a firm plan to cover that expense. Credit cards should be an item of convenience for you, not a revenue source for the credit card company. Running up debt, whether it be credit card, personal loans, etc, immediately, and over time, hinder your ability to accumulate wealth and to have options in your life.Debt, at select times, can help you leverage other’s money for your needs by increasing your opportunity for additional funds, or if abused, can prevent the loss of revenue producing opportunities. Too often, debt is just a ball and chain that gets heavier over time. There are ways to break the pattern and take control of the situation, but repeating the same activity will not help. Make the decision to not become a revenue source for your credit card companies. Facebook5Tweet0Pin0 Nancy J. LaPointe, MBA, CFP®, ChFC®, CLU®, CASL®, may be reached at Navigate Financial, located at 4520 Intelco Loop SE, Suite 1D, Lacey, WA 98503. Tel (360) 628-8175 Cell (360) 402-3200 Fax (360) 236-0317 Nancy@navigatefinancialNW.com or via the website at www.navigatefinancialNW.com*Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.
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The event will run from the November 13 to December 3 and will feature 16 of the world’s best football teams.The Local Organising Committee (LOC) has already started the 16 Teams in 16 Weeks awareness campaign.The communications driven awareness campaign is aimed at building awareness of all 16 teams competing in the FIFA U-20 Women’s World Cup Papua New Guinea 2016.As hosts of the competition, Papua New Guinea has automatically qualified for the tournament.The teams:Group A: PNG, Brazil, Sweden and Korea DPR.Group B: Spain, Canada, Japan and Nigeria.Group C will be France, USA, Ghana and New Zealand.Group D: Germany, Venezuela, Mexico and Korea Republic.
Opposition Leader Bharrat Jagdeo met with a number of rice farmers at a special meeting at the Affiance Cricket Ground on Thursday.At the meeting, farmers complained bitterly about the delay in payments by the millers. The payments they claimed take more than a year to reach them. The Opposition Leader told the gathering that the People’s Progressive Party/Civic (PPP/C) Government had laws in place so that rice farmers could receive their payments within a specified time, but also blamed the farmers for not signing an agreement with the millers.“You can’t take them to court, because you have nothing binding the millers,” Jagdeo stated.Farmers explained that they met with Guyana Rice Development Board (GRDB)Opposition Leader Bharrat Jagdeo speaking with rice farmers on ThursdayGeneral Manager Nizam Hassan to discuss the payment arrangements of the Panama market deal and were told that if the GRDB paid farmers before the eight-month arrangement and Panama knew this, it would delay the payments further.The Opposition Leader in response said he never heard of such nonsense and condemned the GRDB for not being honest with the farmers about the Panama market deal.The farmers also raised the issues of the blast and bug infestations, but, more importantly, the destruction of thousands of acres of rice. Farmers had no other choice but to burn the fields to control the infestation.Government, they said, is of no help to them and as such, they had reasons to picket Agriculture Minister Noel Holder at the Land of Plenty pump station openingSome of the rice farmers sharing their concerns with the Opposition Leaderbefore they could have gotten his attention.But the Minister said that he could not intervene because the rice industry was privately owned; however, he advised that the Rice Producers Association write him on the issue. Farmers are, however, appealing to the Opposition Leader to meet with the commercial banks and negotiate the rescheduling of their loans to provide some relief. Jagdeo blasted Government for neglecting rice farmers and accused it of focusing all its attention on oil. “Oil will not be forever, so we have to invest oil revenues into the other sectors to make them stable and vibrant,” the PPP General Secretary noted.He promised to raise the farmers’ concerns at his next press conference and at the 2019 Budget debate in Parliament.In ending the meeting, he is of the belief that the Government can help, but it has no plan and no vision, labelling the Ministers as the most corrupt in the Region.
The deadline is fast approaching to nominate a fellow Fort St. John resident for a prestigious award.- Advertisement -Sci-Tech North’s Executive Director, Lori Ackerman, discussed the Community Awards on Moose FM’s Issues and Answers on Wednesday morning. [asset|aid=2686|format=mp3player|formatter=asset_bonus|title=0bd62cb798bf7b6ac9c6dba5d83d7e4c-Ackerman 1_11_Pub.mp3] There are a total of 15 awards up for grabs ranging from ‘Corporate Citizen of the Year’ to ‘Athlete of the Year’.Ackerman says Sci-Tech North is sponsoring the ‘Environmental Benefactor of the Year’ award.Advertisement Nomination forms are available below, and can be dropped off at City Hall by 4:00 p.m. on April 1st.The Community Awards Gala is set for Thursday, April 15 at the Pomeroy Hotel. By Christine Rumleskie
A notorious convicted Donegal sex offender may face further prosecutions, a new TV documentary claims.Michael Ferry, right, being taken into court in Donegal Town in December.Mickey Ferry, who continued to sexually abuse boys despite a previous conviction, is the focus of a forthcoming TG4 special.Gardaí have confirmed to the TG4 programme ‘Micheál Ó Fearraigh: Feall i ndiaidh Fill’, that they have completed a high-level investigation into how the former school caretaker was able to continue to sexually abuse boys on the premises of an Irish-Language summer college based at Ard Scoil Mhuire in Gaoth Dobhair, despite a previous conviction for indecent assault on a boy in 2002. They have also confirmed that a file has now been forwarded to the Director of Public Prosecutions.Justice Minister Alan Shatter, TD ordered the investigation in the wake of Ferry’s conviction in July 2011 for the rape and sexual abuse of four boys on the premises of the summer school, then run by Coláiste Cholmcille.An interim Garda report supplied to the Justice Minister in the months following Ferry’s 2011 conviction claimed that Gardaí had alerted both the school’s directors and the then North Western Health Board (now HSE) about Ferry’s first conviction shortly after it occurred in 2002.However, over two years on from Ferry’s conviction, the Health Service Executive has yet to publish its own internal report into what actions it took after receiving this information from Gardaí. This documentary tells the story of a community still seeking answers for how all of this could have happened, and hears from a number of people in the Donegal Gaeltacht who help to shed light on just who Michael Ferry is.The programme also reveals that this is not the first time the dark spectre of child abuse has been visited upon this tightly-knit community – whilst asking if lessons still have to be learnt to prevent future cases. Some blame the authorities, others the community itself for having suspicions of what was going on yet failing to prevent it.Just before Christmas, Michael Ferry was convicted yet again, this time for indecent assault on a teenage boy in the 1980s, in the same school premises where his previous attacks occurred.He was given a 7 year concurrent sentence at Donegal Circuit Court on the 11th of December.The documentary airs on TG4 at 9.30pm on Sunday next, January 12th. SEX ABUSER FERRY MAY FACE FURTHER PROSECUTIONS, CLAIMS TV DOCUMENTARY was last modified: January 7th, 2014 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:Gaoth DobhairMickey Ferrysex abuseTG4
Patrick McBrearty: In fine form in DunfanaghyKILCAR, St Eunan’s, Glenswilly, Four Masters and Ardara all recorded victories in the big weekend clashes with Malin holding Naomh Conaill and Gaoth Dobhair and Killybegs also sharing the spoils in their clash.At Magheragallon Gaoth Dobhair came from behind thanks to the place kicking of James Carroll who hit to late points to tie the game with Killybegs – 0-08 each in the end.The home side were playing without Kevin Cassidy, who was in New York for the weekend, and ended up minus county star Eamonn McGee, sent off for a second yellow card offence. Kilcar sealed their place in the quarter-final with a two-point win in Dunfanaghy over St Michael’s, 1-16 to 1-14 the final score.Patrick McBrearty was in fine form the visitors, having his side eight points ahead at one stage. Fellow county player Colm McFadden had the chance to score a goal late on to tie the game but saw his shot fly over the bar for a point.St Michael’s now need to beat Glenswilly and rely on Kilcar to beat Bundoran in order to seal their place in the last eight.Holders St Eunan’s were in top form as they travelled to Cloughaneely – and the game as over as a contest by half-time with the Letterkenny side leading by that stage by 1-10 to 0-02. Last year’s final hero Lee McMonagle was in fine form, showing no signs of the injury which had plagued him recently.St Eunan’s left Falcarragh with a 2-17 to 1-07 victory under their belts.Rory Kavanagh was in superb form as was Kevin Rafferty and Ross Wherity.Ardara had plenty of support as they beat Glenfin by four points in a bad-tempered clash.Glenfin made a real game of it, but there were some ugly challenges in the match. Indeed it was a penalty ten minutes from the end slotted home by Gareth Concarr which settled matters, after Martin Shovlin was rugby-tackled to the ground. The final score was Ardara 2-11, Glenfin 0-13.Comeback of the day was by Malin, who erased a seven point deficit to draw with Naomh Conaill.Gerard McLaughlin was the hero at Connolly Park, hitting a massive point from a distance – and a goal – to tie the game 1-08 to 0-11.County star Neil Gallagher was forced off at half-time with a knee injury as Glenswilly strolled to victory against Bundoran, winning 3-13 to 0-09. Gallagher had scored a goal in the first half, with Donegal captain Michael Murphy and Cathal Gallagher also finding the net.Four Masters also staged a comeback, pipping MacCumhaills by a point in the end – 0-09 to 0-08 – and they must now go on and beat Glenfin to progress.Elsewhere an injury time point from Daire McDaid earned Termon a 2-09 to 1-12 draw with Dungloe at Burn Road on Saturday evening.09/06/2013Cloughaneely 1-7 vs 2-17 St Eunans MoreCloughaneely 1-7 vs 2-17 St Eunans MoreMalin 1-8 vs 0-11 Naomh Conaill MoreMalin 1-8 vs 0-11 Naomh Conaill More02/06/2013Naomh Conaill 0-15 vs 0-7 Cloughaneely MoreNaomh Conaill 0-15 vs 0-7 Cloughaneely More01/06/2013St Eunans 2-10 vs 1-8 Malin MoreSt Eunans 2-10 vs 1-8 Malin MoreRadio na Gaeltachta SFC group 209/06/2013Four Masters 0-9 vs 0-8 Sean MacCumhaills MoreGleann Fhinne 0-13 vs 2-11 Ardara More02/06/2013Ardara 1-11 vs 1-7 Four Masters More01/06/2013Sean MacCumhaills 2-12 vs 1-5 Gleann Fhinne MoreRadio na Gaeltachta SFC Group 309/06/2013Gaoth Dobhair 0-8 vs 0-8 Killybegs More08/06/2013Termon 2-9 vs 1-12 An Clochán Liath MoreRadio na Gaeltachta SFC Group 409/06/2013St Michaels 1-14 vs 1-16 Kilcar More08/06/2013Glenswilly 3-13 vs 0-9 Realt na Mara G.F.C More02/06/2013Kilcar 0-14 vs 2-7 Glenswilly More01/06/2013Realt na Mara G.F.C 1-7 vs 0-10 St Michaels MoreSenior Res Championship Group 109/06/2013Cloughaneely 0-9 vs 3-8 St Eunans MoreMalin 1-6 vs 5-14 Naomh Conaill More02/06/2013Naomh Conaill 5-10 vs 0-10 Cloughaneely More01/06/2013St Eunans 2-15 vs 0-5 Malin MoreSenior Res Championship Group 209/06/2013Four Masters 1-15 vs 1-7 Sean MacCumhaills More08/06/2013Gleann Fhinne 1-5 vs 1-16 Ardara More02/06/2013Ardara 2-5 vs 0-9 Four Masters More01/06/2013Sean MacCumhaills 1-8 vs 0-8 Gleann Fhinne MoreSenior Res Championship Group 309/06/2013Gaoth Dobhair 3-7 vs 2-13 Killybegs More08/06/2013Termon 0-6 vs 0-10 An Clochán Liath MoreSenior Res Championship Group 409/06/2013St Michaels 0-7 vs 0-5 Kilcar More08/06/2013Glenswilly 2-10 vs 0-6 Realt na Mara G.F.C MoreGAA ROUND-UP: VICTORIES FOR KILCAR, ST EUNAN’S, GLENSWILLY, FOUR MASTERS AND ARDARA was last modified: June 10th, 2013 by BrendaShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:FOUR MASTERS AND ARDARAGAA ROUND-UP: VICTORIES FOR KILCARglenswillySt Eunans
The Newtowncunningham Community Development Initiative LTD ( NCDI) will host their Annual General Meeting on Wednesday 26th March at 8pm in their office at Main Street Newtowncunningham. All are welcome.NCDI has been in existence for almost 12 years and has many achievements for the local & cross border community since it started.The group operates for the benefit of all members of the community regardless of their age, gender, race, religion or political beliefs. NCDI has achieved a considerable amount during its 12 years, a successful youth and lifelong learning programme, cross community & cross border participation, regeneration & environmental improvements.It has also been successful in securing considerable funding investment for the village and encouraged community involvement and participation that has led to increased community activity and expectations.Unfortunately NCDI has had no core costs grant aid funding since 31st October 2013. It recently secured a grant of €11,000 from the Department of Foreign Affairs and are very grateful for this. Events are being planned at present.NCDI had been funded for 30 months through The Community Bridges Programme by The International Fund for Ireland in a joint project with Carnlough Community Association in Co. Antrim & Glebeside Community Association in Ballymoney as part of the Northern Arc Project. Opportunities for applying for grant aid for the project to continue are very limited but NCDI will be making applications in the coming months and remain hopeful that they will secure funding to continue into the future.In these difficult funding times NCDI would like to acknowledge the support of the local Credit Union who has offered them office accommodation rent free from April in their new premises.It is also very important to say a very sincere thank you to the local people who continue to support NCDI in all their work & fundraising.NCDI hope you can make it to the AGM on Wednesday 26th March at 8pm. NEWTOWN COMMUNITY DEVELOPMENT INITIATIVE TO HOST ITS AGM was last modified: March 12th, 2014 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:NEWTOWNCUNNINGHAM COMMUNITY DEVELOPMENT INITIATIVE
DDTV: This short but hilarious video was sent into us by Donegal Daily reader Pauline Moulds.Her father Robert Sweeney was intrigued to find out more about the social fad that is Snapchat. When his daughter Pauline asked him to pull a silly face for a ‘selfie’ his false teeth fell out sparking rapturous laughter.Robert tried to compose himself and also showed great handling skills which prevented his false teeth from falling on the floor.It is not known if he posed for another ‘selfie’ after his epic initial fail! 🙂If you have any funny videos you’d like to share with us – contact us at email@example.com or drop us a message directly on our Facebook page. DDTV: WATCH DONEGAL MAN’S HILARIOUS SNAPCHAT FAIL! was last modified: September 21st, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:DDTVnews
MIH Internet, a wholly owned subsidiary of South African media group Naspers, has made a £946-million (about R13.1-billion) offer to acquire London-listed Tradus, which operates online trading platforms and other related internet service websites in 12 mainly Eastern European countries.The acquisition will be the largest so far by Africa’s largest media company, which has to date been buying minority stakes in media and internet related companies in emerging markets.Tradus, established as QXL Ricardo plc in 1997, operates auction websites in Eastern Europe under various brand names, and in Poland they operate automotive and real estate classified sites, a price comparison site and payment services system.“In its own strategy, Naspers has prioritised the internet sector for expansion. Success has been achieved in the sub-segments offering users communications, social networking and community platforms,” the company said in a statement issued on Tuesday.“In pursuit of this strategy, Naspers today has various internet investments on the African continent, in China, Russia and India. With these investments, the Naspers Group has established a strong presence in the major emerging markets.”Naspers has identified Central and Eastern Europe as attractive emerging markets to invest in, and the acquisition of Tradus will consolidate the group’s position in Poland, where it is currently finalising the acquisition of a controlling stake in Gadu-Gadu, a company that operates an instant messaging service.“We are delighted that the Tradus Board intends unanimously to recommend our offer to its shareholders,” Naspers chief executive Cobus Stofberg said. “The operations of the Naspers Group and Tradus complement each other perfectly and significant advantages can be obtained by aligning Tradus’ businesses with Naspers’ other internet investments in Central and Eastern Europe.”Investing in emerging marketsNaspers’ other investments in emerging countries include a roughly one-third interest Tencent, a leading internet services portal in China that operates an instant messaging client called QQ, and a similar stake in Mail.ru, which is developing into a leading email portal in Russia.In India meanwhile, the company is organically developing an internet business that focuses on the youth community and feature a search engine customised to cater for local users and content.In South Africa, Naspers’ investments include Multichoice, which runs the DSTV satellite subscription service, the Mnet and Supersport television channels, internet service provider Mweb, newspaper and magazine publisher Media24, general consumer portal 24.com, e-retailer Kalahari.net and a 30% stake in local instant messaging service, Mxit Lifestyle, amongst others.“Apart from the investment in Tencent and Kalahari, other Naspers platforms have not yet generated transaction income,” the company states. “Our existing internet services rely on the generation of revenue mainly through advertising and value added communication services.”“The intention is that an investment in the Tradus transaction platform will allow the group to diversify its internet revenue streams to include transaction income.”The deal is subject to several conditions, including obtaining relevant regulatory approvals and approval by the companies’ shareholders.Useful linksNaspersTradusMultichoiceDStvMNetMWebMedia2424.comKalahari.net