West Indies legend Brian Lara has called on the top sides in world cricket to “to ensure that the integrity of the game is upheld”. Delivering the MCC Spirit of Cricket Cowdrey lecture at Lord’s, Lara said that the leading sides of the world have a responsibility to “show the way and lead the way” in which the game is played.”The highest-ranked team in the world has the responsibility to ensure that the integrity of the game is upheld every single time they play,” ESPNcricinfo quoted Lara as saying.”And that the spirit of cricket is with them every time they enter the field,” he added.The 48-year-old felt that there were occasions in the 1980s and early 1990s when the tactics employed by the West Indies sides resulted in them “playing the game in a way it should never, ever be played.”The legendary cricketer further said that despite West Indies dominating in that period of the game and being accustomed to victory after victory, he was “not very proud of” that time.He raised the notorious 1980 series against New Zealand when Colin Croft shoulder-barged an umpire and Michael Holding kicked over the stumps in frustration. Along with this, he also raised the two series against Pakistan in 1988 and England in 1990 when he suggested West Indies employed a certain amount of gamesmanship to win at any cost.”I grew up at a time when West Indies dominated the world. For 15 years from 1980, the West Indies never lost a Test series. And just before that, Colin Croft decided he was going to take a piece out of Fred Goodall’s shoulder and ran into him during a Test Match,” he said.advertisement”Michael Holding decided he was no longer a cricketer, he was a footballer and he kicked a stump. I’m sure the occurrences during that period had a big effect on cricket,” he added.The former left-handed batsman admitted of being “embarrassed” when a series of umpiring decisions helped West Indies defeat Pakistan in 1988.He also referred to events in the 1990 series against England and suggested that seeing his heroes behave in such a manner was “one of the saddest moments in the world”.”As a West Indian, I was truly embarrassed. As a young cricketer who looked up to a lot of the individuals in the team, it was one of the saddest moments in the world,” he said.”For me, I felt the West Indies being the best team in the world needed to play cricket in a different way,” he added.
This quarter, 360i launched the #FuelGood Project – an employee-initiated program designed to get our agency more physically active while supporting some of our favorite charities.The program was inspired in part by the explosion of fitness monitoring technologies – Nike+ FuelBands, Fitbits, Jawbones, etc. – that turn physical activity into digital data. These and other wearables are tailor-made for social platforms, as friends can monitor each other’s data and compete with one another to be more active.For the #FuelGood pilot, we leveraged the digital and social core of Nike+ FuelBands to transform data into donations to the Harlem Children’s Zone, a fantastic organization that we’ve been honored to partner with for more than three years.To start the initiative, we purchased and distributed FuelBands among pilot program testers including 360i New York’s soccer team (360i FC). Employees were encouraged to use their wearables during times when they were planning on being active – e.g. playing in a game or running a 5K. The devices were each synced with a company account, where points were aggregated across all devices.Each point the 360i community earned contributed to care packages of school supplies, snacks and dorm essentials for Harlem Children’s Zone graduates who are now college freshmen.As the program builds out in 2014, the agency is accepting proposals outlining employees’ fitness goals (e.g. “run a marathon”) and chosen charities. One team each quarter will be selected to join together to earn points that equate to donations from 360i to the charity of their choice. And the more active we are as an agency, the higher our collective point total will be on the lobby scoreboards that monitor our progress.A core group of advocates for #FuelGood within the 360i community has proved vital in drumming up interest. Since the program launched, more than 60 employees have joined the cause, earning over 2 million #FuelGood points amounting to several rounds of charitable donations.For marketers looking to pair social good with traditional marketing efforts, here are some takeaways from the pilot launch of #FuelGood:If used creatively, technology has the power to bridge seemingly disparate goals (i.e. personal fitness, or in this case employee wellness and social good), creating mutual benefit and building community.A good, strategic partnership is key and should be one that is rooted in both a truth of the organization and the people they wish to engage. Not only were our digitally-minded employees really into the idea of utilizing wearables, but we were also able to nurture this passion while simultaneously strengthening a long-standing partnership with HCZ.Keep the barriers low and the payoff high. Provide people with a tool, mechanism or experience that empowers them to make a difference – without demanding significant behavior change. We know 360i employees are active, so our goal was to incentivize even more physical activity rather than initiate a new behavior altogether.Don’t under-estimate the value of a tangible and visual representation of digital efforts (like our prominent scoreboard). The closer a digital experience is to its real world payoff, the better.Cultivating a small but vocal group of advocates can be crucial to any initiative’s success. The social sharing and engagement that #FuelGood generated on Instagram and Tumblr led to greater buzz around the office and sustained participation. In fact, 360i FC has never had so many players and spectators for their highly competitive 7 vs. 7 co-ed soccer matches as they did this season– and has never done so well (they went on to win the league championship).#FuelGood represents the kind of win-win situation that the merger of technology and social media makes possible, with digital actions translating into tangible, real world benefits. We look forward to watching the program grow in 2014 and beyond.Lucas Shanks, Creative at 360i, contributed to this report.
The average person may see anywhere between 4,000 and 10,000 ads in a single day. From binge-watching your favorite shows to checking the pile of coupons in your mailbox, advertisers have inundated our lives. Most of the ads we see… Full Story,Dressing up for Halloween is one of the best parts of the holiday, especially if you’re a creative person. But buying a Halloween costume can get expensive, with many costing more than $50 a pop. And unless you plan to… Full Story,You may not find it on an official calendar anywhere, but Friendsgiving is a newer holiday that has gained popularity in recent years. Much like Thanksgiving, Friendsgiving is a time to gather around the table with loved ones in the… Full Story,My birthday is on Halloween, so every year I get super excited. I plan what my costume will be, decide how I want to celebrate and text all my friends to let them know. Last year, I was finally able… Full Story,Not much of a football fan? Don’t know what all the cheesehead hat-wearing and face paint-smearing is all about? Skip hanging out at the local sports bar or sitting in the stands at a game, and put on your entrepreneurial… Full Story,Living paycheck to paycheck can feel like an endless scramble. Rent is due on the first but your paycheck won’t clear until the second. On top of everything, you need to pay for groceries, a bus ticket, and utilities before… Full Story,Decision fatigue is the decline in energy and focus you experience after making too many decisions. This mental drain causes your brain to abandon your willpower in order to seek more immediate rewards, which leads to poor decision making and… Full Story,If you ask a random person on the street what they do, chances are they have a lot of slashes and hyphens in their job titles. In this day and age, if you don’t have multiple sources of income… Full Story,Do you consider yourself a financially responsible young adult? Personally, I like to think that my finances are mostly in order. Rent, student loans, car payments—everything big is blocked off nicely. If the math works out right, I have a… Full Story,In the financial world, nothing evokes feelings of terror quite like the word “bankruptcy”. It’s become synonymous with a complete and utter collapse of one’s finances – a black hole that’s almost impossible to climb out of. When you declare… Full Story
While travel brings new adventures and an exuberant happiness you thought was only possible on television sitcoms, it can also be ruined quite easily by falling for a travel scam. It’s human nature to think that we are smart enough to avoid getting ripped off. But, the truth is, it happens to the best of us. Including me!From being overcharged in taxi cabs to connecting to fraudulent wifi networks, travel scams exist in one form or another all over the world. But fear not, if you educate yourself on them before you take off you can avoid even the most complex ones.Here are some of the most common travel scams around the world, how to spot them, and most importantly how to avoid them.Fake ATMThis scam involves taking a real ATM – usually on a main busy street or square – and simply adds a fake magnetic card skimmer on top of the real skimmer. When you insert your card the scammer’s skimmer records all your cards information and also records the pin you punch in. You take out money as usual – since the ATM works normal – and later on (days or weeks later) your bank account is missing hundreds or thousands of dollars.Avoid it: Guys, this one is so incredibly common – especially in big cities in Europe like Amsterdam, Dubrovnik, and Lisbon. To avoid this, every single time I take money out of an ATM I wiggle the plastic card insert. I even do this in the states and especially New York City – this scam is so common. If the skimmer is fake it will pop off pretty easily. I have taken two off myself and seen multiple people take them off while waiting in line. By the way, if you do find a fake skimmer you should immediately go inside the main bank branch and report it.Taxi Cab ScamsAll around the world taxi cabs are notorious for attempting to rip you off. The most common thing to look out for is the old “my meter is broken” trick. But, you can also find cab drivers explaining we don’t use them here, we don’t use them after a certain hour, or just ignoring the meter (and you) altogether and pretending they don’t understand you. If you do point it out, they assure you their prices is better and more fair, banking on the fact that you are a tourist who doesn’t know what a good price is.Avoid it: It’s a good rule of thumb to always demand they use the meter before they move the car even an inch. If they refuse to turn it on, get out of the cab and find a new one. The good news is Uber is popping up everywhere – making this scam a thing of the past. I recently used Uber in Colombia and it made my trip so much easier.Closed Hostel/Hotel ScamThis scam is run by taxi drivers as well, and is targeted at travelers arriving late at night. You get in a cab, tell them the name and address of your hotel/hostel, and they exclaim something along the lines of: “it just closed down, I went there last night with another guest and it was closed. Don’t worry I know a good place nearby.” The driver is assuming you don’t have Wifi to fact check them and they then insist on upon arrival at their great place you are charged way more than you want.Avoid it: This one seems rare but is actually very common. I’ve had it attempted on me multiple times. To avoid it I always double check my accommodations the second I land using airport wifi. I also always book through Hotels.com or a similar booking engine because they would inform me immediately if the hotel closed down.Free Rosary/Bracelet/Flower ScamThis scam is run in big cities in their main squares and tends to target females. It also comes in many different forms. A kind stranger – often dressed up in Buddhist robes – will attach a free bracelet to your wrist or hand you a flower or possibly a sprig of rosemary. Once you have it securely in your hands, they ask for money and cause a scene when you don’t give it to them.Avoid it: Remember when you travel, nothing is ever free. Don’t ever let anyone put anything on your body without being extremely wary of the situation.Injured or Children BeggarsThis scam plays on your emotions. A child, often looking extremely disheveled will approach you asking for money. It’s extremely hard to say no because it’s a child. But, please keep in mind, these children are not keeping the money you give them. They are being used by gangs to collect money.Avoid it: I admit this one is hard for me. To avoid it, I try and carry small snacks in my backpack and will give those to the children instead.Let Me Take Your Picture ScamIf you walk around with a huge camera on your neck, beware of this common scam. A kind stranger will ask you if you want a picture of yourself. Once you walk away to pose the stranger runs off with your expensive camera (or phone).Avoid it: Never hand your phone or camera over to someone – even if you really want a picture. If you want a photo, look for other tourists (I usually look for a family), and ask if they wouldn’t mind taking a picture of you and in return, you’ll take a family photo for them.Fake WiFi HubsThis scam involves unsecured, open WiFi networks in big tourist areas. Once you connect to their WiFi they can see everything you are doing and are hoping you log into a bank account or divulge any other private information they could possibly steal.Avoid it: When I travel I only connect to password protected WiFi provided by hotels and restaurants. You can also avoid this by switching to an international plan that includes data.Rental Damage ScamThis scam is common in South East Asia, particularly when renting motorbikes. But, do be aware, I’ve also seen it happen when renting a scooter, car, or even jet ski. When you return your rental, the employee points out a huge scratch (or dent, or chip) and says this wasn’t there when they rented it to you. They then charge you a ton of money to repair it.Avoid it: Whenever you rent anything I can’t stress this enough: Always, always, always take your own photos of the rentals scratches and dents. Also, make sure to receive a copy of the scratches and dent report before you leave. I use another, I’ll admit, borderline obnoxious tactic to avoid this scam. During the initial pickup, I will point out, photograph myself, and make sure they mark down every single tiny scratch. I do this hoping it will deter them from scamming me.The Animal ScamA stranger walks up to you and quickly puts an animal on your shoulder. This actually happened to me in Morocco with a sad looking monkey in chains. Before you know what’s happened they have encouraged your travel partner to take some pictures of you and the animal and are now asking for money in return.Avoid it: First, I’ll say this, please don’t take pictures with animals on the street. These animals often live in horrible conditions and brutal training has made them nice enough to pose with humans. If you do take a picture with animals, negotiate the price before you begin.Wrong Change ScamThis isn’t a scam persay, but it is something you will see often and can cost you a ton of money. When you go to buy something (food, a train ticket, water from a vendor) they will give you the wrong change back. They hope that since you are a tourist and maybe not familiar with the local money, you don’t even notice. Usually, it is only off by a couple of coins, but it depends what country you are in. Really watch out for this in places like Japan or Colombia where their currency is extremely different from ours. For example, while in Japan I was supposed to be given a 5,000 yen note in change and instead received a 500 note back. Had I not noticed (I did) the 4500 yen difference is a loss of $42 US dollars!!Avoid it: Always be hyper-vigilant when paying in cash. Before you buy anything try to work out the change you should receive back. Don’t be afraid to take your time counting your change and double checking you received the correct note value.High Bar Tab ScamThis scam is most common in touristy bar areas like Phuket Thailand and is run primarily on young men travelers. You’ll be at a bar, having a crazy night out, and beautiful women are paying you or your group a lot of attention – too much attention. They tell you about their favorite bar and you follow them there where you buy them them drinks without looking at the prices. By the end of the night, you have a huge bill in front of you and they are nowhere to be found. The girls are typically scammers working with the bar. They receive commision for every overpriced drink they sell.Also note, this scam can be taken a step further with getting you drunk and ushering you off to a hotel room or their local apartment. You pass out and wake up to your phone and wallet stolen and oftentimes a huge room bill.Avoid it: I know it’s every man’s dream to be on the receiving end of attention from beautiful women while in a foreign country. But, you need to be extremely wary if this attention is overly aggressive. Especially if this sort of attention isn’t a normal occurrence for you back home.You look lost let me help scamUnfortunately, some countries are full of people just trying to make a buck. This scam preys on tourists who look lost. A kind stranger gives you directions and then takes it a step further and offers to walk you to your destination. Along the way, they point out historical sights and give you a nice compact history lesson. Once you arrive at your original destination they demand a large sum of money for the “tour” and make a scene if you don’t agree.Avoid it: When traveling, even if you’re lost, walk confidently! If you do need help finding your way it’s best to go into a local store or coffee shop and ask someone working for directions. If someone on the street does help you, insist that you can walk yourself there.The Menu ScamWhile looking for somewhere to eat you find a place near the main street that is a third cheaper than everything around you. Awesome, right? You order, eat, and when you receive your bill the price is double or triple what you initially read. When you complain, they hand you a menu and the prices aren’t the same as the first menu you saw – they are much higher now.This actually happened to me in Morocco. Thankfully, I had been taking pictures of all the menus for blogging purposes. When they gave me the new menu to check my bill with I had a picture of my original menu with the original prices.Avoid it: Remember, if it’s too good to be true it probably is. You can also avoid this by taking pictures of menus before you order.Final ThoughtsWhile there are many travel scams out there, please don’t let this lengthy list deter you from traveling! The more you educate yourself on scams the easier they are to spot. And no scam is worth missing out on seeing the world.Coming UpBeing a full-time travel writer, I am constantly looking for the next awesome travel deal, and I’ve gotten pretty good at it. Join me next time for a look on exactly how I find these insane travel deals.Be sure to follow on Mint and follow me on Instagram so you don’t miss an article.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedThe 4 Biggest Budget Surprises for New College GradsMay 24, 2018In “Budgeting”How to Think About Your Credit Cards When Traveling AbroadMarch 21, 2019In “Credit Info”Using Rebuilding Credit Cards to Rebuild Your Credit ScoreApril 20, 2018In “Credit Info” Post navigation
Teenagers tend to have few financial obligations. They may need to work a part-time job to earn spending money, but generally, no one is expecting them to put food on the table or manage important assets. It’s usually understood that high schoolers don’t yet have the life experience or maturity for those kinds of responsibilities.And yet, we allow them to take out tens and even hundreds of thousands in student loan debt before they turn 18. That’s a financial obligation on par with buying a home, entrusted to kids who can’t even rent a car. Unfortunately, it’s a reality for most young people looking to get a degree.That’s why every student needs to be prepared for the harsh reality of borrowing so much money. The more prepared you are to pay back those loans as soon as possible, the less likely you’ll be struggling financially in your adult years. A strong repayment approach can mean the difference between a debt-free life in your 20s and a lingering debt burden in your 30s – and thousands in owed interest.If you’re about to take out student loans or already have them, here’s what you need to know.Know What Kind of Loans You HaveStudent loans often get lumped into one group, but they can vary widely. The two main types are private loans and federal loans. Like their namesake, federal loans are offered by the federal government. A private loan is a loan offered by a private bank or credit union. Most students have federal loans or a mix of both federal and private.Federal loans are considered a better option than private loans because they have more repayment and forgiveness options. They also tend to have lower interest rates.Private loans often require a cosigner, someone who will take on the responsibility of paying off the loan if you default or can’t make payments. Most students have their parents act as the cosigner.Write down what kind of loan you have, the account number, the interest rate and the amount you originally borrowed.Know How Much You’re BorrowingMany students sign up for student loans assuming they’ll be able to pay them off easily after graduation. Most don’t realize how much they’re borrowing until they’ve graduated and the loan comes due.The best thing you can do for your future self is to look at how much you’ve borrowed so far, how much you’re taking out currently and how much you’ll need for the duration of your time in school.In 2012, Indiana University started sending out letters to current students explaining how much they owed and how much they would have to pay each month after graduating. Those letters proved to be very effective, reducing how much students borrowed by more than 10%. Three years later, the Indiana General Assembly passed a bill mandating that all state schools release similar letters to their students.Knowing how much you’ve borrowed will make you more aware of your financial reality, and motivate you to find alternate ways of paying for school. You may try to take more classes per semester and graduate early or apply for more scholarships and grants. Even working a few hours a week in the student library or behind the front desk at your dorm can make a significant difference.Most students borrow the maximum amount they’re allowed, but that’s not always necessary. Do a projection of how much your expenses will be this semester, including rent, groceries, transportation, utilities, parking, books and other fees. If you end up needing less than you anticipated, tell your loan provider that you’d like to take out less. If you need the same, then stick with that amount.Looking at your loans on a semester-by-semester basis can help you borrow more or less depending on your circumstances. Create a budget each semester and stick to it, so you can be confident in the amount you’ve chosen to borrow.Know Your Interest RateEvery loan has its own interest rate which depends on the kind of loan, when you borrowed and other factors. Interest rates for federal student loans are determined by the government, but private lenders are allowed to charge as much as they want. Currently, federal interest rates for undergraduate loans are 5.05% and graduate degree loans are 6.6%. In 2017, the average variable interest rate for a private student loan was 7.81% and the fixed-rate average was 9.66%.Know You Can Pay Back Your Loans EarlyIf you have federal loans, you can start repaying them while still in college. If you borrow too much or find a lucrative part-time job, you can use some of your income to pay back your loans. Doing that now will mean lower payments after you graduate.If you have private student loans that don’t allow early payments, you can still save money in a savings account and put that toward your loans once they become eligible for repayment.Know If Your Parents Took Out Student Loans for YouIt’s not uncommon for parents to take out loans either from the federal government or a private lender. Some parents do so without telling their kids, because they want to help fund their education. Even if your parents don’t expect repayment, it’s always good to have an idea of how much they’ve sacrificed to get you there.Other parents take out student loans and expect their children to repay them, as well as any individual bonds they borrowed. As a student you won’t have access to your parents’ loan information, so you have to ask them for the specifics. If you know you’ll eventually be on the hook for any debt your parents took out, you need as much information about the loans as possible.Ask Your Parents if Any of Their Financial Information Will ChangeHow much grant and scholarship money you’re eligible for is often dependent on your financial need. Your parents’ income is the single most important factor in determining that eligibility.If your parents’ income doesn’t fluctuate, you’ll generally receive the same amount every year. If your parents get divorced or your single parent remarries, then your FAFSA could look quite different for the coming year. When my friend’s dad lost his job, she immediately qualified for more need-based grants the following semester.Know When Your Loans are DueEven if you’re a freshman in college, it’s important to know when your student loans will come due. Federal loans give you a six-month grace period after graduation, so you don’t have to start repayment until the fall if you graduate in the spring. Private loans have their own system determining when the first payment is due, which varies from lender to lender.If you’re a senior in college and plan to graduate this year, it’s not a bad idea to look up when your first bill is due. You don’t want to graduate May 15 and find out you owe $500 on June 1. Knowing when that first payment will hit can save you months of worry, and help you create a repayment plan in anticipation.Know That Student Loan Debt is Real MoneyWhen you first take out student loans, it’s easy to feel like the amount you borrow is just a number. You won’t be forced to deal with it for years, so that $50,000 total doesn’t actually feel like $50,000 dollars. For a teen used to making minimum wage at a coffee shop, that amount is hard to wrap your head around.But make no mistake, that money is very real – and you will have to pay it back eventually. Acknowledging the reality of your situation can help inform the decisions you make about applying for grants and scholarships, working a side job and managing expenses throughout the year.Talk to a friend or family member who graduated college with student debt and ask them about their experience. They may be able to shed some light on the reality of living with debt after graduation.Where to Find HelpThe financial aid office at your university can help you suss out where your loans are coming from, how much you’ve borrowed and how to contact your lenders. Once you know who your lenders are, you can reach out to them for more specific information.You can find a list of the loans you’ve taken out by checking your credit report, which you can do via AnnualCreditReport.com. There are three credit bureaus that publish credit histories, so you’ll want to check all three if it’s your first time looking at your report.Some lenders may fail to report student loans on your credit, so don’t rely on that exclusively. However, if your credit report shows student loans or other loans that don’t look familiar, contact that lender. It’s possible for lenders to report student loans to the wrong person if you have a similar name or social security number.If you know you’ve taken out student loans and don’t see them on your credit report, that doesn’t absolve you of the debt. Mistakes made by the lender will still affect you, so be vigilant. Post navigation The views and opinions expressed in this content are those of the author and do not necessarily reflect the opinion or view of Intuit Inc, Mint or any affiliated organization. This blog post does not constitute, and should not be considered a substitute for legal or financial advice. Each financial situation is different, the advice provided is intended to be general. Please contact your financial or legal advisors for information specific to your situation.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedHow to Help Your Kid with FAFSA, Student Loans, and More!May 23, 2019In “Family Finances”8 Ways to Navigate the Student Loan WatersJanuary 10, 2017In “Financial IQ”What You Need To Know About Student Credit CardsAugust 14, 2018In “Credit Info”
Post navigation Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Related18 Budgeting Tips to Make Money Management EasyFebruary 6, 2019In “Budgeting”How to Free Yourself from Financial StressJuly 3, 2019In “Financial Goals”How to Make a Budget Using the 50/20/30 Budgeting RuleJuly 20, 2016In “Saving” Starting your journey toward financial fitness can be overwhelming. If you take a gander at the Center for Financial Services and Innovation (CFSI)’s eight key indicators of financial health, which include spending less than your income, having sufficient living expenses in liquid savings, and planning ahead for expenses, it’s hard to know where to start.Just like how becoming physically fit requires continual effort, discipline and a shift in habits, the effort required in one’s journey to financial health is a ton of work. When it comes to spending less than your income, where does one begin? I say kick off your savings plan with the easy and big wins. Easy wins include changes that require very little effort, but can net major savings over time. Big wins include slashing costs on the three top spending categories: housing, transportation, and food. For instance, setting up a separate savings account for a specific goal, and auto-saving the amount each week. Another easy win is finding ways to reduce your utility bills and subscriptions. Here’s why it’s best to focus on the easy and big wins: You Get a Psychological Lift from the Get-Go If you’re pushing a huge boulder up the mountain, you’ll want to enjoy a win early in the game. Other shifts to improve your money situation, such as forming better spending and saving habits, take a lot more work and willpower. Saving $10 a week on gas by taking the commuter bus instead of driving to work a few times a week will net you $40 a month or $480 a year. Nixing a few digital subscriptions to online publications you no longer read could put $25 a month in your pocket, which tallies up to $300 a year. I use auto-saving for most of my goals, and I love checking my balances and seeing the number climb at a steady pace. You Lighten Your Cognitive Load A study by the Common Cents Lab on why people might struggle to save and manage money throughout each pay period reveals that a greater cognitive load posed a barrier. Needing to check your balance every day, and weighing all your spending options against each other can take a mental toll. Let’s say you’re deciding on whether you should fork over a few bucks for a cup of coffee and a pastry at a coffee shop on your way to work. Financially speaking, it might only cost you a few bucks. But even the smallest transactions can send you spiraling down the rabbit hole of mental money math. If you’re trying to make the money sitting in your bank account last until the next payday, or save a bit of it, a litany of considerations might be running through your head. You might need to gauge what bills you need to cover in the next week. What other unexpected costs might creep up? Can you ultimately afford spending this, or should you practice restraint so you can save some of that paycheck? All those questions require a ton of mental effort. If you make the effort in saving with either big or easy wins, or do something simple like automate your savings, you’ll have less decision-making to do. You won’t have to wrestle with the constant stream of questions. Instead, you can feel okay spending that money, because you’re already doing other things to save. Pointers on Scoring Easy Wins Automation is your friend. Get acquainted early on. If there’s one thing you can do today that will help you in the long run, it’s automating your savings. Set this up on a money management app, or through your bank.As for cutting the costs on your recurring bills and recurring subscriptions, look for subscriptions you no longer use or have little value to you. For the ones you do still use, can you negotiate for a discounted rate, or find a less-expensive alternative? What about swapping the membership to the luxury gym for a cheaper one at another gym? When looking for easy wins, be careful not to cut back so drastically that you feel deprived. If you do, you could suffer a bit of backlash—rebelling by overspending, or just plain feeling miserable. Tips on Making Big Wins As you might imagine, there’s only so much time you want to invest if you want to put into making your big wins. Saving on your grocery bill might come a little easier than major changes to your housing or means of transport. As for what to focus on within the big wins, I say keep it fun. Are you a natural bargain hunter? Seek coupons and sales on your groceries. If you want to net significant savings and are willing to make more drastic cuts in your housing or transportation, look at the cons and pros. For instance, what are the trade-offs of getting a roomie or AirBnbing one of the rooms in your home, or in making the switch to a one-car household? Is the money you’ll potentially save worth the trade-offs? Build Momentum As the journey to having a positive relationship with your money and developing strong financial fitness is long and hard, netting wins early on will keep the momentum building. Results are what keep us going. There’s no point in going to the trouble of cutting coupons, auto-saving each week and brown bagging it to work if you don’t see the money piling up in your bank account. And in turn, the freedom to spend that money on something meaningful or intentional. But you can’t flex until you have financial muscles. I recently spent a fair amount of money on some pricey high-end cookware. It’s something thrifty me wouldn’t typically buy. But I could feel good about spending that money because I had been auto-saving toward a splurge fund. In turn, I could give myself full permission and freedom to make that larger-than-usual purchase. Not only will your wallet thank you, but you’ll also enjoy a clearer headspace and feel good about your daily money decisions.
Here’s some sobering news: A large international study says adults should average no more than one alcoholic drink per day, and that means drinking guidelines in many countries may be far too loose.The study found that people who down more than seven drinks a week can expect to die sooner than those who drink less.‘What this is saying is, if you’re really concerned about your longevity, don’t have more than a drink a day,’ said David Jernigan, a Johns Hopkins University alcohol researcher who was not involved in the study.The authors say the findings are in line with NHS recommendations that women and men drink no more than 14 units (about six glasses) a week. The NHS also advises that if you do drink this much you should spread it over at least three days.However, while the U.S. government currently recommends no more than seven drinks a week for women, the recommendation for men is 14 drinks.Canada and Sweden have guidelines similar to those in the U.S. set by the Department of Agriculture. But some countries have much higher ceilings – Spain and Romania set the upper limit for men at the equivalent of 20 drinks each week, for example.UK guidelines were like the US standards until two years ago, when health officials brought the recommendation for men down to the level for women.The study ‘is a serious wake-up call for many countries,’ Jeremy Pearson from the British Heart Foundation said in a statement. The group partly funded the study, which was published on Thursday in the Lancet.Here’s some sobering news: A large international study says adults should average no more than one alcoholic drink per day, and that means drinking guidelines in many countries may be far too loose.The study found that people who down more than seven drinks a week can expect to die sooner than those who drink less.‘What this is saying is, if you’re really concerned about your longevity, don’t have more than a drink a day,’ said David Jernigan, a Johns Hopkins University alcohol researcher who was not involved in the study.The authors say the findings are in line with NHS recommendations that women and men drink no more than 14 units (about six glasses) a week. The NHS also advises that if you do drink this much you should spread it over at least three days.However, while the U.S. government currently recommends no more than seven drinks a week for women, the recommendation for men is 14 drinks.Canada and Sweden have guidelines similar to those in the U.S. set by the Department of Agriculture. But some countries have much higher ceilings – Spain and Romania set the upper limit for men at the equivalent of 20 drinks each week, for example.UK guidelines were like the US standards until two years ago, when health officials brought the recommendation for men down to the level for women.The study ‘is a serious wake-up call for many countries,’ Jeremy Pearson from the British Heart Foundation said in a statement. The group partly funded the study, which was published on Thursday in the Lancet.Source
This natural antibiotic is beneficial, quick and cheap to make, and it also has no side effects or consequences that usually occur after using some antibiotics.Most of us are aware that antibiotics are powerful drugs that fight bacteria-related infections with harmful side effects. Unfortunately, in today’s society of pill taking, we use too many antibiotics with an increasing danger of antibiotic resistance. The problem is further compounded with antibiotics found in factory foods like, dairy and meat products.Nature has an effective yet a safe answer to bacterial infections through a variety of phytochemicals from different plant parts. These have been used for many centuries in traditional medicine system for a treatment of a variety of conditions.Natural antibiotics act in a unique mechanism – in addition to its bactericidal action. They stimulate the immune system, exhibit anti-inflammatory and anti-septic properties which inhibit the growth of bacteria as well as scavenge them.As scientists look for less destructive solutions to our internal ecosystems, there is significant interest in studying the natural antibiotic properties in certain foods and herbals.Ingredients:1 garlic clove2 tbsp honey2 tbsp ginger powder1/2 tbsp ground chili peppers1/2 tbsp cinnamon3.3 oz (1 dl) fresh lemon juicePreparation:Add crushed garlic, ginger powder, chili powder, and cinnamon to the lemon juice. Mix all the ingredients and add honey last.Let the syrup rest for 3 hours on a room temperature. Keep the syrup in a closed glass container and store it in the fridge.How To Use It:Every morning before eating anything, take 1 tablespoon of the syrup to strengthen your immune system. If you already have a cold, take 1 tablespoon of the syrup, three times a day before eating anything.Why this works:Honey: Honey as a food has natural anti-inflammatory activity, but not all honeys are created equal. Manuka honey from New Zealand contains other actives like methylglyoxal (MG). MG is thought to give manuka honey its antibacterial properties. Manuka is best for treating wounds, however this is medical-grade honey, which is sterilized and packaged as a wound dressing.Garlis: There are plenty of studies that demonstrate the powerful antibacterial effect of garlic. One study showed that natural spices of garlic exhibited potent anti-bacterial effect. According to the researchers of this study garlic showed effect on multi-drug pathogens and can be used for treating drug-resistant microbial diseases.For effective antibiotic effects, garlic needs to be crushed, exposed to air for few minutes and consumed raw. If using a supplement, consume a garlic extract with at least 1.3% alliin at a dose of 600 – 1200 mg per day.Ginger: The active components in ginger gingerols, zingerone and shogaol are linked to its anti-bacterial effects. Additionally it is also a potent anti-inflammatory agent and used in Ayurvedic system of medicine as a pain reliever. Ginger is a fantastic therapeutic food that can be included in daily diet as part of a menu. As little as 2 – 3” of ginger added to a dish shredded, crushed or cooked will take care of the daily needs.With antibiotic resistance on the rise at an alarming rate, it seems wise to turn to natural and healthier alternative for fighting bacterial infections. It is also important to remember that we need to consume organic, natural and antibiotic-free products for improving overall health and make a conscious effort to avoid unnecessary ingestion of antibiotics – which can damage our digestive system and immune function.Source
China’s industrial sector has underpinned its modern economic development. But in March, at the National People’s Congress, Premier Li Keqiang emphasized the need to cut excess production capacity, including carbon-intensive coal and steel production. China is expected to cut steel production by 50 million tons and coal production by 150 million tons this year, while phasing out or halting construction of new coal-fired power plants. Government data show coal production dropped 10 percent in the first seven months of 2017 compared to the same period in 2016.This is part of China’s push to curb industrial energy consumption, which accounts for more than 70 percent of its total energy consumption. Most of that falls in six energy-intensive subsectors: steel, cement, petroleum, chemicals, mineral manufacturing and industries related to power generation. China’s Five Year Plan, which runs through 2020, specifies a 15 percent reduction in energy consumption intensity and an 18 percent drop in carbon dioxide emissions intensity, while boosting forest cover to over 23 percent of total land area. If these targets are met, China will make significant progress towards its commitments under the Paris Agreement to peak carbon dioxide emissions in 2030 or sooner.Increasing Renewable EnergyChina recognizes that cutting energy consumption alone won’t take it as far enough. It also needs to generate more renewable energy. The share of coal in China’s energy mix has dropped nearly 9 percent between 2005 and 2015, while non-fossil power generation has nearly tripled. Its burgeoning solar power sector – installed solar power capacity increased by nearly 82 percent last year to bring the total solar capacity to more than 77 gigawatts, enough to power about 6 million U.S. homes for a year. Strikingly, one way China is expanding its solar capacity is by building solar panels on abandoned coal mines. One such project in Shanxi province covers 160 hectares and can produce enough electricity to power 30,000 homes.It will be important to see if China continues to accelerate investment in renewable energy in the coming year and whether it will tackle the increasing waste of renewable energy that comes from poor coordination and distribution of renewable energy projects.Launching a National Emissions Trading ProgramChina has been moving forward with putting a modest price on carbon. Starting in 2013, China began to pilot emissions trading programs in seven regions. To date, these pilots have traded about 197 million tons of carbon dioxide that is worth about 4.5 billion yuan ($678 million). The volume of carbon dioxide traded is about equivalent to the annual emissions of Colombia. We expect China will begin rolling out a nationwide emissions trading program in the coming year.China has clearly made progress to be a climate leader in recent years. Now, we’ll see if China will enhance its national climate commitment for 2020, which all countries are expected to do under the Paris Agreement. We will also watch to see if Chinese extends beyond its borders, including reconsidering its support of high-carbon energy infrastructure in other countries.Given the void left by the U.S. administration, China has a unique opportunity to step forward on the global stage. The big question is whether China takes on this role and if it steers the world to achieve the vision of the Paris Agreement. This article originally appeared at Devex.As representatives gather for the international climate talks in Bonn, Germany, it’s important to realize just how much the world has been whipsawed in less than two years. In December 2015, the landmark Paris Agreement charted a course to address our changing climate. Then, in June 2017, President Donald Trump announced his intention to pull the United States out of that agreement. Now, many around the world are looking to see who will take up climate leadership. Increasingly, they are looking to China.Signs of China taking meaningful action on climate have long been evident. China’s economy has already entered a “new normal,” featuring more moderate economic growth, a greater focus on the quality of growth, and a move away from heavy manufacturing. This has led to a less carbon-intensive development path. Innovative climate policies and programs have been pivotal in helping flatten China’s carbon dioxide emissions since 2013, after more than a decade of steep rises.China clearly sees climate change as a problem it needs to tackle head-on. It makes sense to examine where China has made progress and look for signals on what to expect in the year ahead. Three areas deserve attention.Cutting Industrial Energy ConsumptionPremier Li Keqiang.
Roger Smith Hotel – thanks!!! I had a great time and will definitely be staying at RSH again (and recommending it to others!)” 6. Be Curious @RSHotel ), the hotel’s new media marketing manager, said in a telephone interview that he will soon be using Twitter to target people who have mentioned “beer” and “NYC” on Twitter. His goal? To invite beer enthusiasts to a . Wallace is planning the same marketing strategy for an upcoming wine-tasting event. @1indienation Adam Wallace ( 5. Aim at User-Generated Content – The hotel has had great success with their , “If you could equip your customers to be excited, passionate carriers of your story, why wouldn’t you try a few things and see what worked?” Photo credit: The Roger Smith Hotel’s music mix honoring the hotel. In her mix she gave a shout-out to the chef at the hotel’s restaurant 3. Show Real Faces discussions. You should also be ” Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack 1. Interact With People ‘s 2,328 (as of today) Twitter followers. She is part of an online community that receives the hotel’s good morning wishes along with updates about upcoming events and special deals. And she gladly responded to this social hospitability, ” YouTube channel Webinar: Twitter for Marketing and PR Want to learn more about using Twitter for Marketing and PR? to their recent guest, Courtenay Bird. brewery dinner – Community conversations constitute a central part of any outreach campaign. Roger Smith has been successful interacting with people on showing the many faces of the Roger Smith community. In Wallace’s words, by “putting a face to it” people understand the hotel environment and provide valuable feedback. Thus, small and independent businesses have the power to compete with bigger corporations. for tips and tricks to drive inbound marketing using Twitter. podcast – “Keep it more about the stories,” advised Wallace. The Roger Smith Hotel, for instance, maintains an entire website, Topics: knocking down the old school walls of customer service @courtenaybird ” 2. Tell Stories wrote Flickr – Don’t be afraid to experiment. That’s how the Roger Smith built its media presence. As Chris Brogan, another Roger Smith guest . Her music message with Latin, jazz, reggae, and dance tunes can inspire anyone who wants to feel the hotel’s vibe. Social Media Glad you got home safe. I hope all was great during your stay! It was all our pleasure!” tweeted and quirky articles about art exhibits, restaurant deals and, naturally, ” and allowing space for more efficient communication with past, current and potential customers. Bird is one of the – User-generated content — reviews, comments, tweets, podcasts — greatly influences customer decisions. For example, Roger Smith Twitter follower, Rachael Depp ( Roger Smith Life ) recently put together a @adwal Originally published Jun 9, 2009 11:54:00 AM, updated October 01 2013 . The social networking tool helps the hotel promote its events and offer special Twitter deals. As a result, the Roger Smith reaches a new audience and drives traffic to its website. RSHotel You can follow this example by actively blogging, uploading video clips, tweeting and participating in campaign 4. Optimize Different Channels , which revolves around sharing stories and engaging the community. “Do not see it as just advertising because it is not. It is an open communication,” explained Wallace. It aims at offering transparency rather than, as Wallace put it, “blasting people with sales.” Facebook Flickr Photostream photo stream), a Roger Smith Life Download the free webinar social media is a hub for photos, articles, video materials, Twitter news and events. It features a photo gallery (as well as a . In other words, it uses a range of content channels to offer a true taste of the hotel’s culture. The Roger Smith, an independent New York City hotel with about 110 employees, uses social media to increase its brand awareness and provide great customer service. Here are six lessons you can learn from the Roger Smith’s success: Twitter
Topics: Half-life is the period of time it takes for a substance undergoing decay to decrease by half, and is especially used when talking about radioactive decay. Free Workbook: How to Plan a Successful Website RedesignMany of you redesigning your website right now may be experiencing a half-life of your own, and one that might even be more dangerous (to marketing folks) than a radioactive substance. This half live is the time that it takes for your own happiness with your website to decline by half. Most marketers and business people get tired of their websites way too fast, and because of this, they redesign their websites way too often.Your personal opinion of your website’s attractiveness has nothing to do with the need for a website redesign. The goal of your website is to get found by more prospects, and convert more of them into leads and sales. The only person you want to impress with your website is your prospect, and they are much more likely to want to find the information they want than to admire a beautiful flash graphic. A more “beautiful” design or a new design may be more confusing to your prospects, and lower your conversion rate.Have you suffered from the Website Redesign Half-Life pitfall? Free Webinar: Website Redesign for 2010 Website Redesign Originally published Jan 12, 2010 3:29:00 PM, updated July 28 2017 Learn how to redesign your website with an internet marketing strategy in mind with Mike Volpe, HubSpot’s VP of Marketing.Download the Webinar Now and learn how to turn your website into an internet marketing machine. Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack
Rishabh Pant’s poor shot selection has caused his downfall more often than not and Virender Sehwag on Monday hoped the keeper-batsman “works to better his game” and justify the team management’s faith.The 21-year-old Pant is being seen as MS Dhoni’s successor across format but of late has been criticised for his shot selection at crucial junctures, more so during the ongoing series against the West Indies.However, Sehwag wants people to show patience with the young left-handed batsman.”Pant is an extremely talented cricketer with huge potential. It will be important that he is groomed well,” Sehwag told PTI.”And now that he has been assured some quality time in the team it is important that he makes the best use of the opportunity and works to better his game and develop as a cricketer,” he added.Sehwag is hopeful that the current Indian team can do well, with the quality of pacers and the bench at its disposal.Asked if this team can win the World Test Championship in 2021, Sehwag said: “Two years is a long time. Yes the team is in good hands. I wish Ravi Shastri all the luck for his second innings and Virat Kohli all the very best.”We have good bench strength, quality fast bowlers and spinning prospects. We need to now settle the team combinations,” Sehwag added.India got off to the best possible start in the World Championship, crushing West Indies by 318 runs in the opening Test of the two-match series.advertisementJasprit Bumrah wreaked havoc with a five-wicket haul, complementing Ajinkya Rahane’s long-awaited 10th Test hundred, as India decimated West Indies inside four days.The win took India to the top of the championship table with 60 points.Sri Lanka are currently second although they have equal number of points. Australia and England are currently third and fourth respectively with 32 points each.Also Read | Ben Stokes can play centre-half for us next week: Newcastle United manager Steve BruceAlso Read | Competition will be tough, says Misbah-ul-Haq after applying for Pakistan head coach jobAlso See:
Ibrahim Zadran and Asghar Afghan hit half-centuries while Rashid Khan played a quick cameo after claiming five wickets in an innings, as Afghanistan took command in the one-off Test against Bangladesh in Chittagong on Saturday.The visitors — playing only their third Test in history — reached 237-8 at stumps on the third day, setting a huge target for Bangladesh by taking an overall lead of 374 runs.Debutant Zadran hit highest 87 off 208 balls for Afghanistan in the second innings while former skipper Afghan made 50 off 108 balls, his second fifty, adding to Bangladesh’s frustration.Rashid added 24 off 22 balls before wicketkeeper-batsman Afsar Zazai’s unbeaten 34 runs extended Afghanistan’s lead.Afghanistan ended Day 3 at 237/8 taking a lead of 374 in the 2nd innings.@IZadran17 top-scored with 87 while Asghar Afghan and @AfsarZazai_78 scored 50 and 34* respectively. @Sah75official took 3 wickets while Nayeem Hasan and Taijul took two each.#AFGvBAN@Farhan_YusEfzai pic.twitter.com/gmgw4J9KFPAfghanistan Cricket Board (@ACBofficials) September 7, 2019Skipper Shakib Al Hasan took three wickets for Bangladesh, including two in the first over of the innings, but Zadran and Afghan shared 108 runs for the fourth wicket to snatch the momentum back for Afghanistan.Shakib trapped Ihsanullah Janat for four in the third ball of the innings and then dismissed first innings centurion Rahmat Shah for a golden duck in the next ball.Afghan, who also made 92 runs in the first innings, joined Zadran after off-spinner Nayeem Hasan removed Hashmatullah Shahidi for 12.Taijul Islam dismissed Afghan, who hit four fours and two sixes in his second fifty of the game, before Nayeem ended Zadran’s brilliant innings featuring six fours and four sixes.advertisementThe spinner also dismissed Mohammad Nabi in the next ball after the all-rounder hit him for a six to revive some hope for Bangladesh. Rashid then took the attack on Nayeem, hitting him for five boundaries in one over before Taijul bowled him finally.The Afghan skipper earlier completed his five-wicket to finish with 5-55 as Afghanistan bowled out Bangladesh for 205 runs in the first innings after the hosts resumed the third day’s play with 194-8.Rashid, who scored 51 runs with the bat making his debut as youngest-ever Test captain, took the final wicket of Nayeem to wrap up Bangladesh’s innings after Nabi gave a breakthrough in the first over of the day.Nabi bowled Taijul without allowing him to add any run to his overnight 14 before finishing with 3-56 runs. Mosaddek Hossain was unbeaten on 48.Also Read | India Red clinch Duleep Trophy after Akshay Wakhare, Abhimanyu Easwaran star in innings winAlso See:
Following Bajrang Punia’s controversial loss in the semi-finals of the World Wrestling Championships, star wrestler Yogeshwar Dutt has questioned the umpiring standards at the ongoing event in Nur-Sultan, Kazakhastan.On Thursday, Punia, World No.1 65 kg freestyle wrestler, lost his semi-final bout against local wrestler Daulet Niyazbekov in a rather controversial manner after securing the quota for 2020 Tokyo Olympics.Punia, who lost on the basis of tie-breaker rules after getting locked at 9-9 with his Niyazbekov via criteria point — a four point move, was seen pleading with the mat chairman to take appropriate action against the home wrestler for several fouls — including hitting on face, pulling costume and delaying tactics.Punia was a victim of multiple fouls as Niyazbekov was warned but to no avail as he trailed 2-9 following a four-point move by Niyazbekov which was reviewed by the Indian grappler.”Anyone who saw the semi-final bout between Bajrang and Niyazbekov can clearly distinguish between right and wrong. Then why didn’t the umpires sitting there saw that? How could such a mistake take place in a big tournament like World Championships? Kazakhastan didn’t play according to the rules,” tweeted Dutt in Hindi on Thursday. v/s () ? ? Yogeshwar Dutt (@DuttYogi) September 19, 2019Former Olympic wrestler and Ultimate Fighting Championship star Ben Askren tweeted: “Daton got screwed! Bajrang got screwed.”Endorsing Dutt’s views, Askren said: “Dutt knows cheating when he sees it.”Apart from Punia, Ravi Kumar Dahiya also lost his semi-final bout 4-6 to Zavur Uguev of Russia in the 57-kg weight category. However, like Punia, he was also able to secure a berth for the Tokyo Olympics.advertisementAlso Read | How Bajrang Punia’s heartbreak in World Championships semi-final unfoldedAlso See:
Egypt’s Liverpool forward Mohamed Salah has been ruled out of their African Cup of Nations qualifiers against Kenya and Comoros with an ankle injury.Egypt released a statement on their official Twitter account on Tuesday confirming Salah will miss the games, along with a picture of the striker with a protective boot on his left ankle.Egypt host Kenya in their opening Group G qualifying match on Thursday and visit Comoros on Monday.Salah has scored six goals for Liverpool this season and was on target in Sunday’s 3-1 win over Manchester City which took his side eight points clear at the top of the Premier League.But the 27-year-old has had niggling injuries since twisting his ankle against Leicester City at the start of October, which forced him to miss the 1-1 draw at Manchester United, the only Premier League game Liverpool have failed to win this season.Salah has been unable to complete 90 minutes in the league since hurting his ankle against Leicester, being substituted against Tottenham Hotspur, Aston Villa and Manchester City.Also Read | ATP Finals: Roger Federer, Novak Djokovic to clash for semi-final berth
What if your underwear could do more than just provide a buffer between you and your seams? What if, simply by stepping into crazy soft boxers, you’re providing clean water to someone in need? If you’ve always wanted your unmentionables to have a philanthropic angle, start shopping at Undies Supply Co.The boxer briefs and socks offered at Undies Supply Co. are, hands down, some of the most comfortable and carefully designed basics you can find. The Lux365 Boxer Briefs are made of micro-modal, a miracle fabric that’s great for the environment (and your pants’ environment). It’s ridiculously soft, stretchy, and 50 percent more breathable than cotton, so your downstairs will keep cool and dry. The waistband resists rolling and fits with a satisfying, but relaxed, snug while the contoured pouch keeps everything happily where it should be. The only thing the boxer briefs lack is branding — you won’t be paying a company for the honor of advertising on your ass. Undies Supply Co. keeps the mystery alive with no visible labels, turning your under things into a potential conversation starter. All this extreme comfort comes at an absurdly reasonable cost: $15. Because Undie Supply Co. offers factory-direct pricing, you’re looking at saving somewhere in the neighborhood of 40 to 60 percent of what other high-end companies are charging.Here’s where it gets really good: For every pair of boxer briefs sold, Undie Supply Co. donates 50 cents to a rotating charity of the month. For the high-tech socks — designed to keep your feet dry, supported, and blister-free — you’re looking at anywhere from 40 cents to 20 cents for each pack of three sold For September, Undies Supply Co. is giving all that money to Charity: Water. We’ve talked about the nonprofit before, but its awesomeness bears repeating, especially given that more people die — around 3.4 million a year — as a result of dirty water than from anything else, even terrorism and war. (So where’s our War on Waterborne Bacteria?) Charity: Water helps by investing 100 percent of public donations to bringing sustainable, clean water to areas in dire need. So far, over 23,000 projects have been funded and over 7 million people have, or are in the process of getting, access to clean water. In October, Undies Supply Co. will be donating to Pencils Of Promise, an international organization that strives to ensure everyone has access to education. You’re a hero to your body for putting on underwear, but now you can be a hero to countless people around the world thanks to Undies Supply Co. With these undies, something basic is truly remarkable. Get Acquainted With the Military-Approved Skincare Brand Bravo Sierra Sip On the Original Stormtrooper Beer While You Wait for the Next Star Wars Movie Editors’ Recommendations Shark House’s Dramatic Angles Have Serious Bite This Black Boathouse Is a Luxurious Retreat on a Small Island in Norway How Full Harvest and Misfits Market Are Saving Ugly Produce
zoom French shipping giant CMA CGM Group took delivery of CMA CGM Litani on December 3rd, 2014 in China.Sailing under the Malta flag, the ship was built by Chinese shipyard New Times Shipbuildings based in Jiangsu Province, Pin collaboration with CIMC Group and the CMA CGM Group experts.The CMA CGM Litani (10,622 TEUs) is the third in a series of 28 vessels from 9400 TEUs to 10 900 TEUs vessels which will be delivered from now to the third quarter of 2016.Last June, the group took over the first vessel of this series: the CMA CGM Danube.CMA CGM will name each vessel of this series after a famous river of the world.Encompassing 300m in length and 48m in width, it was designed to offer maximal loading capacity while meeting the technical constraints necessitated by the Strait of the Bosphorus.The vessel features a capacity of 1458 reefer plugs 40’, which is the largest so far on such a ship.With the Ocean Three agreements, the vessel will be repositioned and operated on the Bosphorus Express, offering a direct service between Asia, Turkey and the Black Sea.Accordingly, it will call Dalian, Tianjin, Kwangyang, Busan, Shanghai, Ningbo, Chiwan, Beirut, Izmit, Istambul Ambarli, Constanza, Odessa, Ilyichevsk, Istambul Ambarli, Piraeus, Port Kelang, and once again Dalian.The vessel is equipped with new bulbous bow shapes improving the hydrodynamics of the vessel at a speed of 16 to18 knots.In addition, the vessel integrates an electronically controlled long stroke engine with an exhaust gas bypass system offering the best in fuel consumption, a twisted leading edge rudder with bulb and a ballast water treatment system.The CMA CGM Litani left the Chinese shipyards on December 6th, CMA CGM said.
More illegal tobacco has been taken off the streets of Nova Scotia following a short-term investigation by Service Nova Scotia’s Compliance and Special Investigations Unit. On Monday, June 11 in Amherst, a 29-year-old man from Johnstown, Ontario, was apprehended and found in possession of 240,000 illegal cigarettes. He was arrested and one vehicle was seized. The estimated provincial tax value of the cigarettes is $66,048 and federal tax value is $50,400. The Cumberland District RCMP assisted Service Nova Scotia with the investigation. The man was released on court documents and is scheduled to appear in Amherst provincial court on Sept. 10 to face charges under the Nova Scotia Revenue Act, Excise Act 2001 and Criminal Code. Since Jan. 1, 2017, Service Nova Scotia’s Compliance and Special Investigations Unit has conducted 25 illegal tobacco seizures, seized over 12,200 cartons of illegal cigarettes, with an estimated provincial tax value of $675,878. Service Nova Scotia, through its Audit and Enforcement Section of the Alcohol, Gaming, Fuel and Tobacco Branch, is responsible for reducing illegal tobacco in Nova Scotia by working with its law enforcement partners, and through education and enforcement. Service Nova Scotia’s interprovincial and interagency co-operation with law enforcement partners is a valued asset, as it assists in the fight against contraband tobacco smuggling. Anyone with information about the sale and manufacturing of illegal tobacco is asked to contact their local police or Crime Stoppers. Calls to Crime Stoppers are not taped or traced. If police make an arrest and lay charges based on a tip, callers qualify for a cash reward between $50.00 and $2,000.
New Delhi: India’s tallest rubbish mountain in New Delhi is on course to rise higher than the Taj Mahal in the next year, becoming a fetid symbol for what the UN considers the world’s most polluted capital. Hawks and other birds of prey hover around the towering Ghazipur landfill on the eastern fringe of New Delhi, stray cows, dogs and rats wander at will over the huge expanse of smoking filth. Taking up the area of more than 40 football pitches, Ghazipur rises by nearly 10 metres a year with no end in sight to its foul-smelling growth. Also Read – Cylinder blast kills mother and daughter in Karawal Nagar According to East Delhi’s superintendent engineer Arun Kumar, it is already more than 65 metres (213 feet) high. At its current rate of growth, it will be taller than the iconic Taj in Agra, some 73 metres high, in 2020. India’s Supreme Court warned last year that red warning lights will soon have to be put on the dump to alert passing jets. It was not meant to be that way, Ghazipur was opened in 1984 and reached its capacity in 2002 when it should have been closed. But the city’s detritus has kept on arriving each day in hundreds of trucks. “About 2,000 tonnes of garbage is dumped at Ghazipur each day,” a Delhi municipal official said on condition of anonymity. In 2018, a section of the hill collapsed in heavy rains killing two people. Dumping was banned after the deaths, but the measure lasted only a few days because authorities could not find an alternative. (With inputs from Hindustan Times)
CHARLOTTE, N.C. – Quarterback Cam Newton said Monday embattled Panthers owner Jerry Richardson should be considered innocent until proven guilty.Richardson is under investigation by the NFL for sexual and racial misconduct in the workplace and announced Sunday that he’s selling the team just hours after a Sports Illustrated report detailed his alleged misconduct.The NFL has not commented on the ongoing investigation.Newton said Richardson met with him and other team captains at Bank of America Stadium Sunday night — hours after Carolina’s 31-24 win over the Green Bay Packers — to inform them he would be putting the team up for sale after the season.The QB says while he disagrees with any type of sexual misconduct, he has immense respect for Richardson based on their 7 1/2-year relationship.“Everything that I heard were allegations and nothing was actually proven,” Newton said. “It’s another person’s words against another person’s words. Needless to say I still think extremely highly of Mr. Richardson. I don’t know none of the sources names that have come out, so I am reaching to find it. But I take sexual assault extremely seriously — and I don’t want to offend anyone — but having a lot of allegations thrown at a person, I don’t think that is really fair.”The Sports Illustrated story cited unnamed sources who said Richardson made sexually suggestive comments to women and on at least one occasion directed a racial slur at an African-American Panthers scout. The report states that the settlements came with non-disclosure requirements to at least four former employees forbidding the parties from discussing the details.“Were there things done? Yeah, there were some things done,” Newton said. “But needless to say just speaking with the captains and forming our own opinion — we are all entitled to our own opinion — and until things are actually become facts, that is when you can start making clear judgments.”Newton compared how allegations are being levied against Richardson to his experience of nearly being suspended from playing in the 2011 SEC championship at Auburn for something he said he didn’t do: requesting money in a pay-for-play deal at Mississippi State prior to joining the Tigers.The NCAA suspended Newton for a day, then overturned that suspension.“I almost got suspended just off an allegation,” Newton said. “It’s still something that somebody said. When I went through my allegations it was all false.”Newton didn’t want Richardson to sell the team, but said it was obvious in their meeting that the 81-year-old owner was not going to change his mind.The quarterback also believes when the team is sold that the new owners should not consider relocating the franchise.“Of course I want it to stay in Charlotte and it should stay in Charlotte,” Newton said. “From the things I’m hearing it should stay in Charlotte. I’m not nervous about it moving.”Newton said if in fact the team is sold he wouldn’t mind seeing rapper Diddy buy the team.“I have always looked to Puff Daddy, Diddy, whatever you want to call him,” Newton said. “For that to even be mentioned, that is cool in itself.”Newton said the team is handling the distractions well as it prepares for Sunday’s game against Tampa Bay. The Panthers (10-4) can wrap up a playoff spot with a victory, but still need to help to catch the New Orleans Saints for the NFC South championship.“I heard an analogy — the calmest part of the tornado is right in the middle,” Newton said.___For more NFL coverage: http://www.pro32.ap.org and http://www.twitter.com/AP_NFL