It’s January 2020. I don’t know about you guys, but I remember Y2K like it was yesterday. I’m still not exactly sure how we got to 2020 so fast, but alas, here we are. Now that we begin to look forward to everything that is to come in 2020, we all probably start to think about our finances. Our W2s will be here anytime now, so thinking about money is inevitable. You should always be prepared for the beginning of anything, so to get us ready for 2020, here are three money moves we should make ASAP…Take a look at your creditWith apps and computers just an arm’s length away, it’s pretty easy to stay connected to our finances. If you’ve never paid close attention to your credit score, it’s probably time. When you’re young and don’t own anything, it can be really easy to not care too much about your credit and it’s high or low existence. But if you’re ready to buy a house or you’ve just flat out neglected your finances, keeping the pulse of your credit score can be very important. With cybersecurity such an issue these days, knowing your credit score is a great way to know if you’ve taken a financial hit from any sort of fraud or data breach. If you’re not aware, you’re entitled to a free credit report from each credit reporting agency every year, so don’t let the fear of having to pay for one stop you. If you want to make it super easy, check out a site like Credit Karma. I don’t get paid to mention them, but I’ve been using their app for years and they truly make it super easy to keep an eye on your credit.Focus on savingEven if you did a bang-up job of saving money in 2019, I’d be more than willing to bet that you don’t have as much saved as you’d like to right now. Fortunately, it’s the beginning of the year and there are many ways to reach your savings goals by December. One way is to automate your savings. I’m not sure of the last time I heard about someone having to take their paycheck to their local branch and deposit it, so I’m sure you probably have direct deposit. It’s really easy to add another account to your direct deposit, so pick a percentage you’d like to save and redirect those funds to your savings account. Simple. Another way to save is to bulk up your retirement savings. Hopefully your work is awesome and participates in your retirement contributions, and if that contribution is a match of what you’re putting in, be smart, take that free money and max out those contributions. You won’t regret the lower net pay when you’re older and looking at your last few months in the workplace. The last way to save is to go on a spending fast. I don’t know your spending habits, but I guarantee that 100% of your spending doesn’t fall in the “need” category. Take a look at how you’re spending your money and cut out some of the “wants”. Also, be realistic and don’t waste money. If you’re not going to the gym, don’t pay for the membership.Expect the unexpectedIf your emergency fund isn’t in shape, get to work on it. If you’ve got debt that has been lingering for far too long, don’t let it stick around for another year. And if your budget has some holes in it, plug them. You may do a good job of keeping track of your monthly bills, but how about those annual ones that you can sometimes forget about? You know about the monthly fee you pay to your gym, but how about that yearly maintenance fee that can sneak up on you? And if you have to pay hundreds of dollars in vehicle property taxes each year, how often do you forget about paying that until the month it’s due? This year, when those “surprise” bills come up, make a list so you won’t forget about them going forward. 281SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details
Increasingly active Međimurje wine scene through Association of winemakers and winemakers of Međimurje Hortus Croatia has already introduced the young pushchair, thus continuing the successful branding of the pushchair as a registered trademark. In cooperation with the County of Međimurje and the Faculty of Agriculture in Zagreb, young Međimurje forces have been conducting clone selection since 2011 with the aim of obtaining 3-4 clones to further protect autochthony, and is one of the few domestic varieties whose wine rests in a unique bottle, specially designed for this indigenous variety. Sommeliers, owners and managers of restaurants, bars, hotels, F&B managers, distributors and other wine experts, as well as lovers of a great drink, will do so on Thursday, January 31 in the Crystal Hall of the Westin Hotel in Zagreb from 13 pm to 19 pm. hours and is free) to be able to taste the wines of more than sixty winemakers from three wine regions for the first time. Primarily, there will be Graševina, Pošip and Pušipel from the 16 harvest on the tables Vlado Krauthaker, president of the association Graševina Croatica expects “really a lot, especially when it comes to wine quality.” The Croatian wine scene is getting richer and better, which we will no doubt be able to see for ourselves En Primeuru 2019 and to taste the wines of sixty-five winemakers from Slavonia and the Danube region, Dalmatia and Međimurje for the first time. Project “Clone selection cv. Graševina ”commissioned by the Municipality of Kutjevo and the Association of Producers was recognized by the competent institutions of the Graševina clone and included in the variety list in Croatia, which created the conditions for its reproduction in order to expand the quality potential of the queen of Croatian wines and New, younger generations of Dalmatian winemakers have raised the bar in every part of business and thinking about winemaking and through Association of Dalmatian Wine they continued to develop the improvement of vineyards and wineries experiencing their renaissance. En Primeur 2018, photo: PR Light Communications In true wine! In cooperation with the Faculty of Agriculture in Zagreb, 13 clone selection projects were launched (simplified: breeding procedure with the aim of improving the characteristics of the variety): škrlet, graševina, kraljevina, pušipel, Krk žlahtina and eight Dalmatian varieties: Korčula Greek, Pošip, Plavac Mali, Plavina, Debit, Maraština, Vugava and Babić). At this year’s En Primeur, there will be special talk about Graševina, whose clone selection began in 2004, and Pušipela (Šipon, Moslavac). En Primeur it is a unique event of tasting young wines of the last vintage and red wines of older years and exclusive wines that will only be offered to the market. These are the first wine tastings, so that the professional public and all wine lovers can recognize the potential of the wines that are yet to come on offer. In the circles of wine experts, the event was recognized as the center of the premiere tasting of the previous year’s harvest.
Metro Sport ReporterFriday 17 May 2019 9:19 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link3.8kShares Arsenal manager Unai Emery told to sell Mesut Ozil and Shkodran Mustafi and sign four defenders Unai Emery has been told to sell two Arsenal players (Picture: Getty)Arsenal manager Unai Emery has been urged to sell Mesut Ozil and Shkodran Mustafi this summer and bolster his squad with four new defenders.Ozil reiterated his commitment to the Gunners last month by saying he is ‘very happy’ at the Emirates and determined to stay at the club for at least the next two years.But the German continues to be linked with a departure, with Arsenal keen to cut their wage bill as they target a number of signings.Fellow Germany international Mustafi could also leave north London this summer after enduring another poor season at Arsenal.ADVERTISEMENTMore: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityGunners hero Charlie Nicholas believes Emery should sell both Ozil and Mustafi and says the Spanish manager needs to sign four new defenders during the summer transfer window.AdvertisementAdvertisementEmery’s side conceded 51 goals throughout the Premier League campaign, with their defensive vulnerability ultimately costing them a top-four spot.‘We need a whole new backline,’ Nicholas told Sky Sports. ‘I am disappointed that Petr Cech is retiring. I would have encouraged them to give him another year.‘Bernd Leno has got mistakes in him and would have benefited from Cech giving him a helping hand. Advertisement Charlie Nicholas believes the Gunners should offload Shkodran Mustafi (Picture: Getty)‘We are looking for four defenders, so on top of the crazy situation of letting Aaron Ramsey go for nothing, it is not great. They need two centre-backs and two full-backs.‘Hector Bellerin will come back and play right-back, as Ainsley Maitland-Niles could be pushed on potentially. Sokratis and Sead Kolasinac are good to have as squad players.‘Nacho Monreal and Laurent Koscielny are getting on a bit now. Shkodran Mustafi must be released in my opinion.‘Konstantinos Mavropanos and Rob Holding are still to come back when they are fit.’More: FootballBruno Fernandes responds to Man Utd bust-up rumours with Ole Gunnar SolskjaerNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesNicholas added: ‘It comes down to who we can get rid of. If Emery doesn’t want Mesut Ozil then get rid.‘Ozil is on £200,000 a week, but where will he move to? If he won’t play then Ozil won’t stay. He has got too big of a personality to stay and be on the bench.‘If Arsenal can get him out with a transfer fee then I would. I would give the youngsters a couple more games next year and bring Reiss Nelson back, while looking at a big midfielder too.’Arsenal face Chelsea in the Europa League final at the end of the month. Victory over the Blues would see the Gunners return to the Champions League next season.MORE: Arsenal stepping up move for Gremio centre-back Walter Kannemann Advertisement
The body of a pensioner was on Tuesday discovered by his son, hanging in his Cove and John, East Coast Demerara (ECD) home in an apparent suicide.Seventy-four-year-old Kemraj Ramadar of Lot 3 South, Cove and John, was last seen alive on Monday.According to reports, the man who suffers from stroke-like illnesses lived alone. He was reportedly last seen when he visited his doctor.Guyana Times understands that the dead man’s son, 54-year-old Negnadeo Ramadar, however reported that he visited his father on Monday afternoon and returned on Tuesday morning where he found his father hanging in the patio.His body was discovered in a standing position with a yellow rope around his neck.Checks made showed no signs of foul play, however blood was found on the man’s cabinet.The Police are investigating the matter.
Through the first four games of these NBA Finals, Toronto’s defense has … TORONTO — The Splash Brothers can’t do it alone.Not down 3-1. Not against this Raptors team.So as the Warriors head into Game 5 looking to win the first of three consecutive games necessary to claim the title, the big question amongst many is “who will be the third member of a Big Three?”Because if the Warriors don’t get that third scorer to show himself in Game 5, there won’t be a third-straight title.
The books team at the Sunday Times has put together a list of the top South African books that they believe give readers insight into the country’s transition into a free and democratic nation.Here we highlight the past 20 years of winners of the Sunday Times Alan Paton Award, South Africa’s premier literary award. Named for Alan Paton, author of Cry, The Beloved Country, the prize is given to books deemed to be outstanding works of non-fiction.Interested in South African novels? See Read your way through 20 years of democracy, which highlights 20 years of the best fiction writing.Highlights from 20 years of nonfiction1994Return to Paradise by Breyten Breytenbach (Human & Rousseau)South Africa heads toward majority rule, yet Breytenbach is far from optimistic about its future. He sees a civil war raging and the land awash in blood. A New York Times notable book of the year. Awarded the SundayTimes/Alan Paton Prize.1995Long Walk to Freedom by Nelson Mandela (Little, Brown)The riveting memoirs of South Africa’s first democratically elected president, Long Walk to Freedom recreates the drama of the experiences that helped shape Nelson Mandela’s destiny.1996The Calling of Katie Makanya by Margaret McCord (New Africa Books)A moving, illuminating memoir that chronicles the life of an extraordinary woman who was born in 1873 in colonial South Africa and lived through the early years of apartheid to her death in 1955.1997The Seed is Mine by Charles van Onselen (Jonathan Ball)After years of interviews with Kas Maine and his neighbors, employers, friends, and family – a triumph of collaborative courage and dedication – Charles van Onselen has re-created the life of a man who struggled to maintain his family in a world dedicated to enriching whites and impoverishing blacks.1998Africa: A Biography of Continent by John Reader (Penguin)A one-volume history of Africa that starts in geological pre-history and the formation of the continent, spanning centuries, and ending with decolonisation and African nationalism. This massive book is the result of four years research, most of it in Africa.1999Bram Fischer: Afrikaner Revolutionary by Stephen Clingman (Jacana)In 1964 Bram Fischer led the defence of Nelson Mandela in the Rivonia Trial. Two years later, Fischer was himself sentenced to life imprisonment in South Africa for his political activities against the policies of apartheid. This meticulous and finely crafted biography follows a fascinating journey of conscience and personal transformation.2000Mandela: the Authorised Biography by Anthony Sampson (HarperCollins)Anthony Sampson first met Nelson Mandela in the 1950s – and was given complete access to all his personal papers, to the man himself, as well as to his friends and political associates, to write the full story of one of the world’s greatest leaders.2001A Mouthful of Glass by Henk van Woerden (Jonathan Ball)A short, tough story of the man who killed Hendrick Verwoed, the racist prime minister of South Africa, in 1966. Born in Mozambique of a Greek father and African mother, Demitrios Tsafendas was a man lost between the races, maddened by not knowing who or what he was.2002The Dressing Station by Jonathan Kaplan (Pan Macmillan)Surgeon Jonathan Kaplan has flown around the world on medical assignments, but as this debut book suggests, he never feels more engaged with life than when among the dying.2003Midlands by Johnny Steinberg (Jonathan Ball)In the spring of 1999, in the beautiful hills of the Kwa-Zulu-Natal midlands, a young white farmer is shot dead on the dirt road running from his father’s farmhouse to his irrigation fields. The murder is the work of assassins rather than robbers; a single shot behind the ear, nothing but his gun stolen, no forensic evidence like spent cartridges or fingerprints left at the scene. Journalist Jonny Steinberg travels to the midlands to investigate.2004A Human Being Died that Night by Pumla Gobodo-Madikizela (New Africa Books)Eugene de Kock, commanding officer of apartheid death squads, is currently serving 212 years in prison for crimes against humanity. He was denied amnesty, while many of his former comrades walk free. Gobodo-Madikizela visited Pretoria’s maximum security prison to meet the man many know as Prime Evil. What followed was a journey into what it means to be human.2005The Number by Johnny Steinberg (Jonathan Ball)On 9 June 2003, a 43-year-old coloured man named Magadien Wentzel walked out of Pollsmoor Prison in Cape Town. Behind him lay a lifelong career in the 28s, South Africa’s oldest and most reviled prison gang. In front of him lay the prospect of a law- abiding future – and life in a household of eight adults and six children, none of whom had a job. Jonny Steinberg met Wentzel in prison at the end of 2002. By the time Wentzel was released, he and Steinberg had spent more than 50 hours talking. The Number is an account of their conversations and of Steinberg’s journeys to the places and people of Wentzel’s past.2006Aids Safari by Adam Levin (Jonathan Ball)With searing honesty, tender prose and outrageous humour, Adam Levin takes us through the daily trials of living with AIDS, travelling from promiscuity and denial, through the terrors of imminent mortality to face the realities of his disease. Joint winner in 2006 of the Sunday Times Alan Paton Award with Witness to Aids by Edwin Cameron (Tafelberg).2007Portrait with Keys by Ivan Vladislavic (Umuzi)Through precisely crafted snapshots, Ivan Vladislavic observes the unpredictable, day- to-day transformation of his embattled city, Johannesburg. A dazzling portrait of a city – and an utterly true picture of the new South Africa.2008Thabo Mbeki: The Dream Deferred by Mark Gevisser (HarperCollins)Mark Gevisser’s profound psycho-political examination of Thabo Mbeki, South Africa’s second president. A brilliant but deeply flawed leader, Mbeki attempted to forge an identity for himself as the symbol of modern Africa in the long shadow of Nelson Mandela.2009In A Different Time by Peter Harris (Umuzi)Set in a South Africa gripped by unrest and political tension, when the ANC was in exile and repression at its height. It tells the story of four young South Africans – assassins who reported directly to Chris Hani – who embark on a mission that lands them on Death Row. This true account reveals the lengths people are prepared to go to to fight for what they believe, and the acts people will commit to preserve the status quo.2010The Strange Alchemy of Life and Law by Albie Sachs (Oxford University Press) From a young age, Albie Sachs played a prominent part in the struggle for justice in South Africa. As a result, he was detained in solitary confinement, tortured by sleep deprivation, and eventually blown up by a car bomb that cost him his right arm and the sight of an eye. His experiences provoked an outpouring of creative thought on the role of law as a protector of human dignity in the modern world, and a lifelong commitment to seeing a new era of justice established in South Africa.2011The Unlikely Secret Agent by Ronnie Kasrils (Jacana)This remarkable story of a young woman’s courage and daring at a time of increasing repression in apartheid South Africa is told here for the first time with great verve and elan by Eleanor Kasrils’s husband, “Red” Ronnie, who eventually became South Africa’s Minister of Intelligence Services in 2004.2012Stones Against the Mirror by Hugh Lewin (Umuzi)A brave and moving memoir which is both a family history and a story of friendship and betrayal between people caught up in the wrenching forces of South Africa’s struggle for freedom.2013Endings and Beginnings by Redi Tlhabi (Jacana)Redi Tlhabi makes the painful journey back to her death-marred childhood in Orlando, Soweto in the 1980s. A township under siege, Redi’s father is murdered – and the perpetrators never found. And then Redi meets Mabegzo: handsome, charming and smooth – and a rumoured gangster, murderer and rapist.Originally published by BooksLive. A selection republished here with kind permission.For the full list of both fiction and non-fiction titles – with short descriptions – visit the BooksLive blog at bookslive.co.za/blogTo download BooksLive‘s colourful infographic made up of the covers of the selected “notable reads” and prize winners as a high-res PDF, click here. To download a high-res image in jpg format, click here.
Share Facebook Twitter Google + LinkedIn Pinterest Mark Wolfe of Richwood recently joined Wilson National LLC, a real estate and auction group. In his role Mark will focus on development and implementation of marketing options for customer portfolios of agricultural assets. Mark’s past experiences include a successful career in farm equipment sales and agriculture lending. Wolfe will bring a depth of experience and focus on real estate and machinery sales, valuation and marketing. He is a graduate of The Ohio State University with a degree in Ag Business and is a licensed real estate agent. Mark is engaged in Ohio’s agriculture industry by participating in his own farm operation with his wife and three children.Along with Mark Wilson, Mike Weasel and Brandon Wilson, Wilson National LLC welcomes Mark and the opportunity to continue serving the Ohio farm community. You can contract Mark at 740-361-6739 or [email protected]
Sachin Tendulkar scored an unbeaten century, but his team Mumbai Indian ended up losing the match to Kochi by 8 wickets at the Wankhede Stadium in Mumbai on Friday. Score | PhotosChasing 183, Kochi opener Brendon McCullum and captain Mahela Jayawardene put on 128 runs for the first wicket that set the pace of things to come.McCullum and Jayawardene knew that 183 would prove to be tough target and so they started going at the oppostion bowlers right away, keeping the run rate around 9 an over.The two walloped the opposition bowlers. Pacers or spinners, no one was spared even the Sri lankan slinger Lasith Malinga found it difficult to contain them and was hit for runs.Finally, it was Malinga’s famous yorker that did the trick, it entered the bat-pad gate of his Sri lankan team-mate Mahela Jayawrdene and crashed into the middle stump. Jayawardene fell for 56 and Kochi lost him on 128/1.In 17th over Malinga got another reason to cheer when he bowled McCullum on 81 and brought back Mumbai back into the game which was gradually slipping away from their grasp. Kochi were 156/2 at the stage.But Ravindra Jadeja had other plans, he hit two sixes in the 19th over off left-arm spinner Ali Murtaza and Kochi won the match by a good 8-wicket margin.Mumbai inningsMumbai captain and opener Sachin Tendulkar scored a unbeaten ton as Mumbai put on an impressive 182/2 in 20 overs.Mumbai captain Sachin Tendulkar got off to a flyer after he was put to bat by oppostion captain Mahela Jayawardene, who won the toss. And the Master Blaster had South African Davy Jacobs by his side. The two got busy smashing the oppostion bowlers across the park.advertisementBut Raiphi Gomez got the breakthrough in the 9th over when his ball rattled Jacobs stumps when he was on 12 and Mumbai on 61. However, the wicket did little damage to Mumbai as Tendulkar was still in the middle and was clearly on song.Tendulkar and Rayudu, who were instrumental in Mumbai win against Bangalore on Tuesday, once again got on with a fine partnership.In the last over Rayudu got run out, while trying to save Tendulkar, who was batting on 90’s. And on the last ball of the 20th over Tendulkar completed his ton, with West Indian Kieron Pollard by his side. The Master Blaster carried his bat through to score an unbeaten 100 that came off 66 balls and included 12 fours and three over the fence shots.
New Delhi: Arguments on whether a temple existed at the disputed site in Ayodhya were presented on Tuesday before the Supreme Court which heard the politically sensitive Ram Janmabhoomi-Babri Masjid case for the fifth day. Senior advocate C S Vaidyanathan, appearing for deity Ram Lalla Virajman, advanced arguments on whether there was an existing temple over which the mosque came up, before a five-judge constitution bench headed by Chief Justice Ranjan Gogoi. Also Read – India gets first tranche of Swiss bank a/c details Three judges of the Allahabad High Court had held that there was a temple at the disputed site, Vaidyanathan told the bench also comprising Justices S A Bobde, D Y Chandrachud, Ashok Bhushan and S A Nazeer. “Justice SU Khan of the high court had said that the mosque was built on the ruins of the temple,” the senior advocate told the bench. Senior advocate K Parasaran, also appearing for deity ‘Ram Lalla Virajman’ told the court that it must do “full and complete justice” in all matters before it. Also Read – Tourists to be allowed in J&K from Thursday The bench had on Friday last asked as to whether anyone from the ‘Raghuvansha’ (descendants of Lord Ram) dynasty still resides in Ayodhya. Fourteen appeals have been filed in the apex court against the 2010 Allahabad High Court judgment, delivered in four civil suits, that the 2.77-acre land in Ayodhya be partitioned equally among the three parties — the Sunni Waqf Board, the Nirmohi Akhara and Ram Lalla. On December 6, 1992, the Babri Masjid, which was constructed at the disputed site in the 16th century by Shia Muslim Mir Baqi, was demolished.
President Ram Nath Kovind presented the Swachh Bharat Award to POWERGRID under PSU Corporate Category for significant CSR contribution under the initiative of Swachh Iconic Places (SIP) and Swachh Bharat Kosh (SKP) at an event organized by Department of Drinking Water & Sanitation, Ministry of Jal Shakti at Vigyan Bhawan. The award was received by K Sreekant, CMD POWERGRIDPower Finance Corporation Limited has been awarded with the ‘Swachh Bharat Award 2019’ for its significant CSR contribution under the initiative of Swachh Bharat Kosh. Gajendra Singh Shekhawat, Minister of Jal Shakti, Ministry of Jal Shakti Department of Water Resources, River Development & Ganga Rejuvenation handed over the award to P K Singh, Director (Commercial) in a function held at Vigyan Bhawan Also Read – Thermal coal import may surpass 200 MT this fiscalFour AAI airports viz. Ahmedabad, Bhubaneswar, Chandigarh and Indore won nine ACI ASQ Awards (in total) for the year 2018 in different categories. I N Murthy, Member (Operations), AAI along with his team consisting of G Chandramouli, RED (Western Region); S P Yadav, RED (Eastern Region); Manoj Gangal, Airport Director, SVPI Ahmedabad Airport; S C Hota, Airport Director, BPI Airport, Bhubaneswar; Suneel Dutt, Airport Director, Chandigarh International Airport and Aryama Sanyal, DABH, Indore Airport received the ACI-ASQ Awards at ACI’s Global Summit & Awards held recently in Bali, Indonesia Also Read – Food grain output seen at 140.57 mt in current fiscal on monsoon boostNLC India Ltd, as part of Swachch Bharat Mission initiated activities to create awareness amongst public about the importance of cleanliness by organising various events like “Seashore cleaning, park cleaning, Street Play, and mass rally in Silver Beach, Cuddalore” recently. Bhoomipooja works at all water bodies was performed in the presence of farmers and general public of respective villagesNSIC signed MoU with Government of Sikkim on September 6, 2019 for the promotion and development of MSME sector in the state of sikkim through NSIC package of services for the growth of MSME sector. The MoU was signed by P Udayakumar, Director(P&M), NSIC; Dr Thomas Chandy ,Additional Chief Secretary ,Government of SikkimBirendra Kumar, Attache, EOI, seen lighting lamp. Abdul Azim, Member COA – EPCH & Raj Anand, India Representative of Maison&Objet are seen with him. The Export Promotion Council for Handicrafts is participating in “Maison&Objet 2019” being held from Sept 6-10, 2019 and has set up a stall in Hall no 5A (Unique & Eclectic Sector) at the venue Paris Nord Villepinte, France