Break the bank on Black Friday? Here’s how to get back on track

first_imgEven if you didn’t storm the shelves at 3am on Black Friday, there’s a good chance you may have overspent during the holiday weekend. If you’re fretting about your finances, there are a few things you can do to remedy your wallet before Christmas. Follow these tips for reversing the damage and getting back on financial track.Make some returnsIt may be tough to do but it’s time you take a hard look at the purchases you made. Did you buy gifts for others or splurge on yourself? If you intentionally made purchases for your loved ones you will probably be safe holding on to those items, as chances are you were budgeting for them. But, if you spontaneously spent on things you may not need just because they were on sale, consider returning those extras to put more money back in the bank.Save what you bought for the futureJust because you bought your child ten toys on Black Friday (or Cyber Monday) doesn’t mean they all have to end up under the tree this Christmas. If you decide to keep them all, hold on to a few for future holidays. That way when it is time to celebrate Timmy’s birthday, you’ll have already spent money on his gifts and won’t be out even more cash down the road.Cut costs elsewhereIf you overspent and are feeling stressed, you may have to make some sacrifices until you can get your money back to where it was. That means for the rest of the year, it’s time to scale back on the extras. Simplify your life and remember what’s of real value during this special season. Instead of eating meals at restaurants, save money and spend quality time together by cooking at home as a family. Forget spending a ton at the movie theater when you’re off work for the holidays and opt instead to enjoy Christmas classics (the Griswolds, anyone?) from the comfort of your couch. 33SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Wendy Moody Wendy Moody is a Senior Editor with CUInsight.com. Wendy works with the editorial team to help edit the content including current news, press releases, jobs and events. She keeps … Web: www.cuinsight.com Detailslast_img read more

How to protect your members from phishing scams during tax season

first_imgMost people do not look forward to tax season. However, groups of financial fraudsters can’t wait for it to get started. This is the time of year when scam artists will try to take advantage of taxpayers’ stress and concerns – especially the elderly, who may not have technical experience – by pretending to be the IRS and deceiving them into unknowingly providing their personal and financial information.Detecting and Preventing Phishing ScamsMany taxpayers become anxious about possible errors on their returns, which could make them susceptible to calls and emails from tax scammers. Credit unions can help prevent their members from falling victim to phishing scams by educating them about the warning signs.The IRS will not initiate contact with a taxpayer by email, nor will they send a message via text or on social media. Any requests for financial and account information, passwords or similar information for credit cards via these channels should be ignored, deleted or reported to the IRS. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

Battle of the brands

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Hong Kong security law is not ‘doom and gloom,’ city leader says

first_imgHong Kong’s national security law imposed by Beijing last week was not “doom and gloom” for the city, its leader Carrie Lam said on Tuesday, adding it was untrue to say she was not privy to any of its details before they were announced.The sweeping legislation punishes what China describes broadly as secession, subversion, terrorism and collusion with foreign forces, with up to life in prison.It came into force at the same time it was made public just before midnight last Tuesday, with police arresting about 10 people for related offences the next day. Speaking at her regular weekly news conference, Lam said she knew some details of the legislation before it was made public, but she had not seen the complete draft. She said the law would restore Hong Kong’s status as one of the safest cities in the world after sometimes violent pro-democracy protests last year.”Compared with the national security laws of other countries, it is a rather mild law. Its scope is not as broad as that in other countries and even China,” Lam said, without naming the countries.The legislation has been criticised by nations such as Britain and the United States, and rights groups, for undermining freedoms guaranteed under the “one country, two systems” agreed as part of the former British colony’s return to Chinese rule in 1997, and for giving mainland security agencies an enforcement presence in Hong Kong for the first time.Its final power of interpretation lies with authorities in mainland China, where human rights groups have reported arbitrary detentions and disappearances. China has been clamping down on dissent and tightening censorship. Both Hong Kong and Chinese government officials have said the law was vital to plug gaping holes in national security defenses, exposed by the city’s failure to pass such laws by itself as required under its mini-constitution, the Basic Law.Lam said cases involving the new mainland agency in Hong Kong will be “rare” and that national security was a “red line” that should not be crossed.If reporters in Hong Kong could guarantee they would not breach the new law, she could guarantee they would be allowed to report freely in the city, Lam said.Late on Monday, Hong Kong released additional details of the law, saying security forces had overriding authority to enter and search properties for evidence and stop people from leaving the city.Topics :last_img read more

Jakarta proposes plan to create bicycle lane on inner-city toll road

first_img“It will be a two-way lane. We’re awaiting the ministry’s permission.”The bicycle lane would come with its own set of traffic barriers and diversion so as to prevent cyclists from veering onto the main toll road, which is designed for motor vehicles, he said.“The western portion of the toll road, from Kebon Nanas to Plumpang [in North Jakarta], will remain [off-limits], so that cyclists may only loop around within a designated area,” Syafrin said.Furthermore, he said the toll-road bike lane would only be open on Sundays from 6 to 9 a.m.The administration has previously sought to open more bike lanes to support cyclists and curb air pollution in the capital city.The need for alternative cycling routes has become more urgent in recent months to prevent Jakarta residents from crowding a single area, such as the Hotel Indonesia traffic circle on Jl. Thamrin in Central Jakarta on Car Free Day, amid COVID-19 concerns. (rfa)Topics : The Jakarta administration has proposed a plan to open a bicycle lane along a portion of the inner-city toll road in a bid to provide the public with an alternative cycling route amid the COVID-19 pandemic.Jakarta Transportation Agency head Syafrin Liputo said his office had coordinated with the Public Works and Housing Ministry to convert the shoulder of a toll road that stretches from Kebon Nanas in East Jakarta to Tanjung Priok in North Jakarta into a bike-only lane.“By our initial estimation, [the lane] will span 10 to 12 kilometers,” Syafrin said at City Hall on Wednesday.last_img read more

Governor Wolf to Announce Details of New Manufacturing Initiative

first_img SHARE Email Facebook Twitter October 26, 2017 Economy,  Jobs That Pay,  Press Release,  Workforce Development Harrisburg, PA – Tomorrow, Governor Tom Wolf will announce new job-creating investments in manufacturing and workforce development through the launch of his new Manufacturing PA initiative.“We need to support our students and trainees by making sure they have the best possible training programs and we need to support our businesses, so they can innovate, grow and thrive,” said Governor Wolf. “My Manufacturing PA initiative is where these two goals meet.”In response to the specific needs expressed by Pennsylvania’s manufacturers, Governor Wolf established three new programs, each of which will provide support for Pennsylvania’s manufacturing community in different ways:The Pennsylvania Manufacturing Training-to-Career Grant program will help companies identify and train a skilled workforce while creating a workplace culture that enables the workforce to advance and the company to grow.The Pennsylvania Manufacturing Innovation Program will leverage the internationally acclaimed science and engineering talent and discovery capacity of Pennsylvania’s institutions of higher education to help ensure that the commonwealth remains an international leader in manufacturing.Pennsylvania’s Industrial Resource Centers will expand their outreach to include small and medium-sized businesses, and will continue to provide technical, strategic, and market-based assistance to Pennsylvania’s manufacturing sector.The programs will take advantage of the expertise of the Department of Community and Economic Development’s strategic partners including the National Institutes of Standards and Technology Manufacturing Extension Partnership funded Industrial Resource Centers, Pennsylvania’s colleges, universities, technical schools, and non-profit organizations.The governor will be joined by state and local leaders, and members of the workforce development, education, and manufacturing communities tomorrow at the National Museum of Industrial History, where he will provide details on the components of Manufacturing PA.center_img Governor Wolf to Announce Details of New Manufacturing Initiativelast_img read more

Stabbing lands man in hospital

first_imgAccording to police investigators,Devinagracia allegedly taunted Pedregosa while they were having a drinkingsession on Dec. 21.    Bacolod City – A man was stabbed in Barangay 3-Poblacion, E.B. Magalona,Negros Occidental. The 31-year-old Jonel Devinagracia ofManapla, Negros Occidental was recuperating at the Teresita Jalandoni DistrictHospital in Silay City, Negros Occidental, a police report showed. Pedregosa was detained in the E.B.Magalona municipal police station’s lockup facility, facing charges./PNcenter_img The 44-year-old Edmundo Pedregosa ofBarangay Tabigue, E.B. Magalona was tagged suspect, the report added. This prompted Pedregosa to stabDevinagracia using a broken beer bottle, police said. last_img

Modric: Bale is perfect for Real

first_imgLuka Modric believes that Gareth Bale would “fit perfectly” into the Real Madrid team as speculation continues about the Welshman’s future. Modric played with Bale at Tottenham before moving to Real last summer and thinks the player would fit seamlessly into the team. The Croatian told Marca: “Since Madrid is the team of the galaxy, Bale would fit perfectly, we could really use him. “He would give the team another dimension. His shot, his strength, his speed, his offensive power. “He is the type of player who will help us take a step forward.” He added: “It is a complicated issue for me because I was with Tottenham. I can tell you we’re friends and he is an exceptional player. I guarantee it. “And whether the club is Real Madrid, Tottenham or another, they can only win if they sign a player like that. “If it is Real Madrid, it’s better for us.” Bale has been linked with a move away from Tottenham for some time with Real and Manchester United just two destinations that have been mooted. Reports linking the 23-year-old with a move to the Bernabeu have been relentless with former France international Zinedine Zidane describing him as one of the top three players in the world last month. center_img Press Associationlast_img read more

Adegoke Beats Samuel to Clinch Rainoil Tennis Trophy

first_imgSarah Adegoke yesterday defeated Blessing Samuel 6-3, 6-3 to win the women’s singles title of the Rainoil Tennis Open at the Lagos Country Club, Ikeja.The top seed raced to a 4-0 lead in the opening set breaking Samuel in the second and fourth game. Although Abuja-based Samuel got two breaks to close the score to 5-3, Adegoke was hitting more winners which helped her to close the set 6-3.Samuel triumphed on their last meeting at the Dala Hard court in Kano in November but there was no stopping Adegoke, who started the year with the Top 8 Masters’ title as she broke three times in the second set which also ended 6-3. “I was nervous because I know Blessing has improved a lot. She is a very good player but somehow she did not play to her standard today,” said Adegoke who went home with N350,000 for her efforts in the 10-day tennis tourney.Ranoil CEO, Gabriel Ogbechie, has however pledged more support for the development of Nigerian tennis.“The tournament will help our players get more familiar with clay court because they are used to hard surface and to be the beat one has to master all the surfaces. We are going to continue this way to ensure we bring out the best in our youths,” Ogbechie said.The Rainoil boss assured tennis fans that the tournament would be an annual event.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

MBB : Ohio State’s Thomas relishes reputation as scorer, brings all-around game to Buckeyes’ lineup

first_img Published on March 23, 2012 at 12:00 pm Contact Mark: mcooperj@syr.edu | @mark_cooperjr Facebook Twitter Google+ BOSTON – Deshaun Thomas realized his gift to score the basketball in the fourth grade. It was then when he found he could put the ball in the basket in a variety of ways.So on Friday, in the grand stage of the Elite Eight, one step away from New Orleans, when Thomas was asked about his reputation as a ‘gunner,’ his Ohio State teammates burst out in laughter. Thomas joined them, wide-grinned as he said that he just loves to score.Afterward, as Jared Sullinger continued giggling to his right, Thomas had to wipe his right hand over his mouth to close his smirk.‘They just laugh at it because that’s me,’ Thomas said. ‘But I take great pride in my jumper, my shots.’Thomas’ pride and confidence in his ability to score has exuded itself for the last month. He’s averaged 20.7 points over his last 11 games. And the Ohio State forward has become transcendent in the NCAA Tournament. He scored 31 points and grabbed 12 rebounds in the second round against Loyola (Md.) and 20 first-half points in OSU’s Sweet 16 win over Cincinnati. The sophomore leads all players with 75 points in the tournament thus far, and will look to keep his hot stretch going and extend the Buckeyes’ season as the No. 2 seed squares off with No. 1 Syracuse at 7:05 p.m. in the TD Garden on Saturday.AdvertisementThis is placeholder textThe description of Thomas as a gunner is spot on. He has attempted 12-plus shots in 12 of OSU’s last 13 games. But he’s also developed into a savvy rebounder and dishes out the occasional assist.‘He came in with the mentality of being a scorer, and the one thing in the two years he’s been here, we’ve talked a lot to him about there’s so many other ways that he can affect our team in a positive way,’ Ohio State head coach Thad Matta said.Thomas entered Ohio State with a scorer’s disposition because that’s exactly what he was at Bishop Luers High School in Fort Wayne, Ind. He led the state in scoring in his junior and senior seasons, averaging 30.3 and 31.8 points, respectively. He ranks third all-time among Indiana high school players in career points scored.Thomas said the ball was always in his hands in high school.‘That’s what I do (is score),’ Thomas said. ‘I always joke with Will (Buford), that one assist I have a game will be to him, and it would be a game changer. I love to score. I’m sorry.’Things have come easy to Thomas on the basketball court ever since he discovered his abilities in fourth grade. In middle school, he was taller than everyone, so he continued to score.He recalls a game in middle school in which he put up a triple double – 44 points, 33 rebounds and 11 blocks.Thomas was so successful at Bishop Luers, helping the team to back-to-back state titles, that his number was retired in June of his senior year.But the transition to Ohio State did not come with ease. As a freshman last year, he averaged just 14 minutes per game. He scored 7.5 points per game in such limited minutes, but he needed to build his all-around game.‘He came a long way,’ Sullinger said. ‘People tease him about how many shots he takes, people talk about his shot selection, but if you knew what DeShaun did in high school to the point where the ball was in his hands every time and he could take whatever shot he wanted to take because his high school team allowed it, you would be shocked from where he came from.’Thomas improved this season, but things really began clicking for him down the stretch. It started with the Buckeyes’ loss at Michigan on Feb. 18, when he scored 25 points and finished with 13 rebounds in 40 minutes.His 25 points were nearly half of Ohio State’s 51 total points.Thomas has been in double-digits ever since that came, taking over as the star player on a team with a potential top-10 pick in next year’s NBA Draft (Sullinger) and a preseason All-Big Ten guard (William Buford).‘He hurts you outside and inside,’ Syracuse head coach Jim Boeheim said. ‘He shoots the ball and just makes everything. Every time I watch him play, he makes every open shot he gets. Mid-range, he can go get it on the boards.‘He’s a great player, a really great player.’While Sullinger is a primary focus for Syracuse on Saturday, Thomas has been the player who makes teams pay when the Ohio State big man gets all the attention. He consistently gets six or seven rebounds, and he’s 7-of-15 from beyond the arc in NCAA Tournament play.He’s found his rhythm down the stretch of this season and has been the perfect complement to Buford as an outside shooter.He’s still a scorer and a gunner at heart. But he has made good decisions and taken great shots to put Ohio State in a position to reach the Final Four.‘I’m staying really grounded,’ Thomas said. ‘People are starting to notice now what DeShaun can bring to the table.’mcooperj@syr.educenter_img Commentslast_img read more