By Michael RupuredUniversity of GeorgiaThe single most important way to protect your credit rating is topay your bills on time. If you pay on time, you avoid late fees,service interruptions and finance charges. More important, youcan dramatically reduce the cost of future loans.For some people, the problem isn’t that they don’t have themoney. More often the problem is simple forgetfulness. Thesolution is to get organized and set up a system. Set prioritiesMake your first priority your secured debts. These are loanswhere failure to make a payment leads to repossession orforeclosure, such as a home, automobile or furniture loan. Your second priority should be your “service” credit, such asrent, electric, natural gas, water and telephone bills. Payingthese bills late often results in disconnection and heftyreconnect fees, late fees and other costs. Lower-priority debts are “unsecured” loans, such as credit carddebt, medical bills and signature loans. Paying these late mayresult in late fees and added finance charges. But it won’tlikely result in disconnection, repossession or termination ofservices.Once you decide which bill(s) to let go for now, contact thecreditor before the due date. The biggest mistake people make iswaiting for creditors to call them. By then, creditors alreadyhave concerns about your ability to pay. When you call them before the due date, though, they’re much morelikely to see you as someone who’s serious about your financialobligations.Tell them you have a problem and what you’re able to do. Let themknow how much you can send and when you can send it. Most of thetime, they’re going to be willing to work with you to help youkeep your account current.Never tell the creditor something just to get them off the phone.The caller makes notes on your account of whatever you promise todo.Finally, follow through on what you said you were going to do. Ifcircumstances change and you can’t fulfill your obligations,notify the creditor right away. Failure to keep your word couldhamper your ability to negotiate terms in the future.Paying bills on time may seem like an ordeal. But a good systemfor keeping track helps simplify the task. And the payoff isworth any effort you invest. You’ve gotta have a systemYour system may simply be a legal pad, a loose-leaf notebook or alarge calendar. The type of system isn’t as important as whetherit works for you. Any system begins with a list of all regularbills, the amount you pay each month and the due date.When you don’t have enough money to pay all your bills on time,it’s important to make wise decisions.First, assess your situation. Figure out how much you can affordto pay and when you’ll be able to pay it. It might help to list your bills in order from the most to theleast important. For each of your bills, you need to know whathappens when you pay. If you must pay late, pay the accounts withthe greatest penalties first.
When you’re tasked with managing others, things won’t always go as planned, and that’s okay. What’s important is that you learn to understand what you can’t control and adapt accordingly. Although they may be hard at first to recognize, there are certain truths leaders must accept in order to become more skilled and confident in their position.You won’t always be likedIt can be incredibly hard to accept the fact that some members of your team may not like you. Most of us care a lot about how others perceive us so when an employee doesn’t care for you, it can be challenging. The fact is that you are their superior so although your relationship may not be ideal, it’s critical they respect you no matter their feelings on your management style.You’re not perfectMost leaders are promoted to positions of prominence because of their strong work ethic and previous successes. Despite your accomplishments, it’s important to remember that there will be hard times and you will make mistakes. When hiccups occur remember not to be too hard on yourself because each misstep is an opportunity to learn and grow into a better leader.You will have to make hard decisionsThe fact is that when you’re the boss, you will have to make tough calls along the way. Whether it’s siding with the more unpopular opinion or laying off an employee, it won’t always be a pleasant cake walk. But remember you’re in a leadership position because you are capable of making these tough decisions. So, keep your head up and trust your instincts. 58SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,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 Details
“Headlines have popularized the worries about the ability to buy and deliver physical gold and spreads have blown out,” RBC Capital Markets said in a note. “These concerns are, in many ways, justified, but more so if we begin to see more complete shutdowns throughout the supply chain.”Key players in the global market are working together to facilitate physical delivery, albeit while many dealers of bars and coins are reportedly out of stock, the RBC analysts said. While these concerns are likely adding to exaggerated price moves, gold-positive conditions are not over, they said.Spot gold was 0.2% lower at $1,627.88 an ounce at 10:58 a.m. in Singapore, headed for a weekly gain of 8.6%. The Bloomberg Dollar Spot Index fell 3.4% this week.The spread between London and New York prices has narrowed considerably. The disparity was about $22 an ounce on Friday, compared with more than $60 earlier in the week.Other main precious metals also jumped this week: silver rose 16%, platinum climbed 21%, and palladium surged 41%. Supply concerns are growing for the two platinum group metals as mines shut down in South Africa during a lockdown. Topics : Gold headed for the biggest weekly advance since 2008, rallying along with risk assets including equities, as investors weighed up the impact of massive monetary and fiscal stimulus for virus-hit economies and disruptions in the physical bullion market that have roiled trading.The store of wealth is in demand as the outbreak spreads and investors seek havens from the damage, which has led to the flood of support from central banks and governments. The rush for bullion has come when supply channels are being strangled, with some refineries shutting down and flights halted. That’s limiting sellers’ capacity to meet commitments to deliver the metal.The disruptions led to uncertainty if there was enough gold available in New York to deliver against contracts on the Comex, exploding the spread between futures and spot prices in London. But peak tightness may have eased as investors roll April contracts to June, which saw open interest jump to 345,689 futures, from 151,828 on March 9, according to initial data compiled by Bloomberg.
Greek dry bulk owner EuroDry has signed a memorandum of agreement to purchase a Panamax drybulk carrier built in 2004 in Japan.The 75,845 dwt M/V Star of Nippon, to be renamed M/V Starlight, is expected to be delivered to the company by the end of November 2018.The acquisition will be financed with funds at hand and debt which is in the process of arranging, EuroDry said.“We are very pleased to commence the process of growing EuroDry Ltd by acquiring M/V Star of Nippon, a vessel that will complement perfectly the rest of our Japanese built panamaxes and our three newbuilt vessels, an ultramax and two kamsarmaxes. “We believe that the drybulk market will provide significant opportunities for positive returns over the next several years and we have been working to position EuroDry to take full advantage of them for the benefit of our shareholders,”Aristides Pittas, Chairman and CEO of EuroDry Ltd., commented.EuroDry was spun-off from Euroseas Ltd on May 30, with the objective of consolidating Euroseas’ drybulk fleet into a separate listed public company.The latest purchase will bring EuroDry’s fleet to 7 ships, including four Panamaxes, two Kamsarmaxes and one Ultramax.
HealthInternationalLifestylePrint Processed meat linked to cancer; red meat is risky too — WHO by: Associated Press – October 26, 2015 Uncooked pork (file photo)PARIS (AP) — It’s official: Ham, sausage and other processed meats can lead to colon, stomach and other cancers — and red meat is probably cancer-causing too.While doctors have long warned against eating too much meat, the World Health Organization’s cancer agency gave the most definitive response yet Monday about its relation to cancer — and put processed meats in the same danger category as cigarettes or asbestos.A group of 22 scientists from the WHO’s International Agency for Research on Cancer in Lyon, France evaluated more than 800 studies from several continents about meat and cancer.Based on that evaluation, they classified processed meat as “carcinogenic to humans” and red meat as “probably carcinogenic.”Meat industry groups protest the classification. The North American Meat Institute argued in a statement that “cancer is a complex disease not caused by single foods” and stressed the importance of lifestyle and environmental factors.Doctors have warned that a diet loaded with red meat is linked to cancers, including those of the colon and pancreas. The American Cancer Society has long urged people to reduce consumption of red meat and processed meat.The researchers defined processed meat as anything transformed to improve its flavour or preserve it – including salting, curing or smoking.They noted that red meat contains important nutrients but said it was associated with some cancers in several studies. Their report said grilling, pan-frying or other high-temperature methods of cooking red meat produce the highest amounts of chemicals suspected to cause cancer. Share Share Sharing is caring! Share 158 Views no discussions Tweet
As of Thursday, the DA 6 has received2,578 letters of intent from farmer cooperatives and associations. Remelyn Recoter, regional executivedirector of DA 6, said in a press conference the first year of the RTLimplementation has done good to the consumers. Recoter said more than half of thenumber has already been accredited and can avail of the benefits under the RTL. Citing studies, Recoter said the RTL hascaused a 10 percent rice price drop. On the other hand, the Philippine Centerfor Postharvest Development and Mechanization (PhilMech), another implementingagency, will start distributing farm machinery this March. ILOILO City – After a year of the implementation of the Rice TarifficationLaw (RTL) on Thursday, the Department of Agriculture in Western Visayas (DA-6)said farmers in the region will further gain from its benefits this year. For the first year of the RTLimplementation, the Landbank of the Philippines has also assisted farmers inrice production. Fennie Lyn Pantin, regional focal personof PhilRice, however, said the distribution of seeds to farmer cooperatives andassociations was done in the third week of October last year. “Some of thefarmers have already planted when the seeds arrived,” she said. The Philippine Rice Research Institute(PhilRice), one of the implementing agencies of the RTL, has already kicked offits distribution of seeds. “We are requesting our farmers to givechance to our law because there had been clamors to amend the law. We arehoping this 2020, the 2019 (budget) and the 2020 will be implemented,” shesaid. Giovanni Baoy, Land Bank of thePhilippines Capiz Lending Center head, said that the bank has so far released P17.6million to 194 farmers for palay production. “For the mechanization, the intention isto decrease the cost of production because the biggest expense in rice farmingis labor that is about more or less 30 to 40 percent,” Recoter said. Thirty-eight farmers’ cooperatives andassociations will benefit from the mechanization, which include farm equipmentlike four-wheel tractor, hand tractor, floating tiller, combine harvester,among others. Recoter said the certified seeds thatwill be distributed to the farmers will increase one metric ton of harvest perhectare. “The budget is P42, 000 per hectare forhybrid and PHP37, 000 per hectare of inbred,” Baoy said. (PNA)
Brandon Beckendorf won the MN 93 IMCA Modified feature, Dean Cornelius paced the B&B Racing Chassis IMCA Stock Car main and Matthew Looft collected the Unhinged Pizza IMCA Northern SportMod checkers. Justin Dose was first across the line in the Coors Light IMCA Sport Compact feature to win ahead of Alex Dostal and pick up his first trophy of the year. Brad Becker as the Saturday night IMCA Sunoco Hobby Stock winner at Arlington Raceway. (Photo by Sarah Moriarty) ARLINGTON, Minn. (Aug. 17) – Brad Becker has tried weekly to unseat Eckblad Trucking IMCA Hobby Stock foe Cory Probst in victory lane and finally got the job done Saturday at Arlington Raceway. Jeremy Schultz led the entire Alpha Media IMCA RaceSaver Sprint Car feature flag to flag to win his first race of the year. Becker started seventh and took the lead from Scott Koep on the fourth lap in the flag-to-flag race. Koep maintained second throughout the race with Luke Trebelhorn third and Probst following in fourth.
Columbus, IN—YES Cinema in Columbus is offering a special opportunity for individuals living with Autism and other sensory issues to enjoy seeing a film in safe and accepting surroundings. To enhance the viewing experience, theatre lights will be slightly dimmed and the sound volume turned down. Also, audience members can get up, walk around, and talk. Also, since some have strict dietary needs, some gluten-free and casein-free snacks will be available for purchase.This will take place this Saturday and the featured movie is the new Sonic the Hedgehog movie at 10 am. All tickets are $4.00.
A club spokesman said: “Tensions were understandably running high in the dressing room after Cardiff’s late equaliser, but the incident has been sensationalised in the media. “What happened is not uncommon in a dressing room and shows that the players care. “The players involved have apologised. The club has drawn a line under the matter and is now fully focussing on Saturday’s important game at Norwich.” Tempers flared after Saturday’s 3-3 draw with the Bluebirds at the Hawthorns after Mats Daehli snatched a last-gasp equaliser for the visitors. However, the Baggies have insisted the incident was nothing out of the ordinary and has been dealt with. West Brom have played down claims of a dressing room bust-up in the wake of their dramatic Barclays Premier League draw with Cardiff. Press Association