21SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details As you are juggle finding just the right gifts and planning the perfect holiday get together, there is one more item that should be on your to-do list…your finances.According to ConsumerReports.org, this is the best month to take inventory of your finances and make moves to ensure you are financially stronger heading into 2019.Here are just a few things to check off your list before year-end.Do a budget check: Take a few minutes to see where you stand. Did you meet your goals? If you fell short somewhere, what happened? Is it time for a different strategy or more relevant goals to meet future needs? Let’s face it, life can often get in the way of the best laid plans. Now is the time to evaluate where you are now and what your needs are moving forward. Making adjustments is not a sign of “failing” or that “budgeting doesn’t work”. Making a course correction is just a normal part of life. We adapt and move forward.Check your benefits: Review your 401(k), flexible spending accounts, health savings accounts etc. Flexible spending accounts are “use it or lose it”. Make sure the money you’ve already paid for health care coverage, is not being left on the table. That’s your money. Find out deadlines, file those receipts and get reimbursed. If you have extra money to put toward retirement and haven’t reached the maximum 401(k) contribution of $18,500 for the year, the deadline to do so is Dec. 31. If your employer offers a company match, that’s free money. Don’t forget about your HSAs. A family can contribute up to $6,900 and an individual can contribute up to $3,450 for 2018. Unlike FSAs, unused HSA funds rollover and can be used at anytime for eligible medical expenses. Maximize it while you can.Schedule those medical appointments: According to Consumer Reports, November is the slowest month for doctors. It’s a good time to get those check-ups and procedures you’ve been putting off. Another bonus is that this late in the year, if you haven’t already met your deductible, you are likely close to doing so. Time it right and that can be a savings of at least a few hundred dollars.Give to those less fortunate: It’s not only the perfect season to spread good cheer, but that charitable donation could double as a tax deduction. Don’t forget to save your receipts.Get a jump on tax season: Take a few moments to gather all relevant receipts for tax time and store in one place. Hopefully you’ve been doing this all along but if not, don’t worry there’s still time. Thinking about the year and starting now will ensure nothing slips through the cracks.
He added the ministry was drafting a regulation stipulating technical instructions to be obeyed by Indonesian congregations when participating in the ritual. The regulation would, among other provisions, prevent the elderly from taking part in the pilgrimage given that they are more susceptible to succumbing to disease.The policy would also regulate cost and determine whether people with congenital diseases or comorbidities would be allowed to visit.Read also: Indonesia prepares 3 scenarios for haj amid pandemicNoer said whether Saudi Arabia would include Indonesia on the list of countries allowed to send umrah pilgrims would depend on coronavirus cases in the country. “We hope that when umrah is allowed again at 100 percent [capacity], Indonesia is in a position in which the number of COVID-19 cases is decreasing,” he said, urging people to be patient.Saudi Arabia will allow pilgrims residing inside the country to go on the pilgrimage starting Oct. 4, following a seven-month pause due to coronavirus concerns, Reuters reported. The Middle Eastern country would also allow visitors from specific countries deemed safe starting Nov. 1.Saudi Arabian authorities recorded that 19 million people participated in umrah last year. Official data show that the haj and umrah earn the kingdom about US$12 billion a year.As of Tuesday, Saudi Arabia has confirmed 330,798 COVID-19 cases and 4,542 deaths, as cases in the Gulf region topped 800,000. (syk)Topics : The Religious Affairs Ministry is preparing health protocols and a regulation for Indonesians going on umrah (minor haj) to Saudi Arabia as the Middle Eastern country plans to reopen to international worshippers.Noer Alya Fitra, an official from the ministry overseeing haj registration, said the ministry was working with the Health Ministry while waiting for more information from Saudi Arabia.“We will [adjust] the health protocols with the guideline issued by the Saudi Arabian government,” Noer said on Wednesday as quoted by kompas.com.
Amundi, the French asset manager, has confirmed it is interested in taking over Pioneer Investments from its parent, the Italian banking and financial services group UniCredit.Amundi issued a statement following what it termed “rumours” in Italian newspaper Il Messaggero about the submission of a non-binding offer for the purchase of Pioneer by Amundi.The French asset manager said: “Amundi confirms its interest in Pioneer, consistent with the growth strategy presented at the time of its IPO.”However, it also said it denied the Pioneer valuation levels attributed to it. Reports have put the valuation at €4bn.“Amundi re-iterates that its acquisition policy adheres to strict financial criteria – in particular, a return on investment greater than 10% over a three-year horizon,” the firm said.UniCredit is selling assets to bolster its capital.The Italian group has said it would unveil the result of its group-wide strategic review at a London Capital Markets Day on 13 December.Other parties interested in buying Pioneer, according to news reports, are Poste Italiane, Australian group Macquarie and the UK’s Aberdeen Asset Management.At the end of July, UniCredit said it had ended talks with Spain’s Santander banking group about plans for a merger between Pioneer Investments and Santander Asset Management, even though an agreement was signed last November.It said a listing of Pioneer was possible.
Inside music star’s $30m ‘Iron Man’ pad The pair have now bought a home in Lota, a coastal post-war suburb in Brisbane’s east. They snapped the cottage up just 10 days into its marketing. Set on 605sqm, the 1950s home with timber floors has three bedrooms. It has a renovated kitchen and bathroom. The couple have quickly started on the nursery.More from newsParks and wildlife the new lust-haves post coronavirus11 hours agoNoosa’s best beachfront penthouse is about to hit the market11 hours ago It sold after just 10 days on the market.Naturally, Rankin took to Instagram to update her 327,000 followers on the recent purchase.“And here we are, sitting out the front of our very own Queenslander cottage, with our little baby girl on the way,” Rankin captioned.The property is Rankin’s first house purchase. Lota’s median price for three-bedroom homes is $530,000, based on 21 houses sold over the past year. Married At First Sight star Davina Rankin with Jaxon Manuel. Picture: Nigel HallettThe former Married At First Sight villain Davina Rankin and her partner Jaxon Manuel have secured a family home together.It is in suburban Brisbane, secured at $542,000 just ahead of the birth of their first child. MORE: Cherry-Evans offloads former Curl Curl home Stylish interiors.The Instagram model was on the MAFS 2018 season when she cheated on her Maroubra-based tradie ‘‘husband’’ Ryan Gallagher hooking up instead with the Bondi-based entrepreneur Dean Wells. Following the show she moved on, and began dating Manuel, co-owner of the cafe chain Pineapple Express Cafe, early last year. Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 0:29Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:29 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenWays to get into the property market for less00:29
Cost-saving measures In light of recent developments in the oil market, oil and gas company EnQuest has decided not to re-start production at the Heather and Thistle/Deveron fields located offshore the UK. Thistle platform. Source: RMTEnQuest was in October 2019 forced to evacuate workers from its Thistle platform following an inspection relating to a support element on a redundant subsea storage tank. During the same month, a small fire broke out on the Heather platform and two workers were injured. Production at Heather had been shut down for maintenance prior to the incident.EnQuest said in November 2019 that single compressor operations had impacted production at Heather.Production has been shut down at both platforms ever since. EnQuest previously planned to restore production at both platforms in the first half of 2020.In an update on Thursday EnQuest said it had reviewed each of its assets and related spending plans in light of the current lower oil price environment.EnQuest’s updated working assumption is not to re-start production at the Heather and Thistle/Deveron fields. Total combined production from these fields in 2019 was c.6,000 Boepd. At the same time, the company is implementing a material operating cost and capital expenditure reduction program. This action will significantly lower EnQuest’s cost base, with group free cash flow breakeven targeted at c.$38/Boe in 2020 and $35/Boe in 2021, the company explained.For 2020, the company is targeting base operating expenditure savings of c.$150 million, which would lower operating costs by c.30% to c.$375 million.In 2021, the group is targeting unit operating expenditures of c.$15/Boe. These savings are driven primarily by cost savings at Heather and Thistle/Deveron, but also through the removal of non-critical and discretionary operating expenditures and support costs.The company’s 2020 cash capital expenditure is also expected to be reduced by c.$80 million to c.$150 million. The majority of the group’s 2020 program relates to the recently concluded drilling program at Magnus and the two-well program now underway at Kraken, with approximately $50 million of 2020 cash capital expenditure relating to the phasing of cash payments into 2020.The group’s 2021 capital expenditure program is expected to reduce further, although production is also likely to be impacted as a result.The group retains significant liquidity with cash and available facilities of $268.2 million at February 28, 2019.EnQuest Chief Executive, Amjad Bseisu, said: “Over the last few years, EnQuest has made significant progress in strengthening the business with our three world-class assets in Kraken, Magnus and PM8/Seligi, and a materially reduced debt position.“Given the prevailing low oil price environment, we are taking decisive action to reduce operating and capital expenditure in 2020 and beyond, with a view to targeting cash flow breakeven of c.$35/Boe in 2021. While these actions have reduced our production expectations, free cash flow has improved and with no senior credit facility amortizations due in 2020 and long-dated bond maturities, we are positioning ourselves to manage through the current low oil price environment.”It is also worth mentioning that offshore accommodation specialist, Prosafe, has recently been awarded a contract to provide accommodation in support of the redundant subsea tank removal and safe re-habitation of the Thistle Alpha platform in the UK North Sea.Offshore Energy Today StaffSpotted a typo? Have something more to add to the story? Maybe a nice photo? Contact our editorial team via email. Also, if you’re interested in showcasing your company, product, or technology on Offshore Energy Today, please contact us via our advertising form where you can also see our media kit.
Midfielder Leroy Fer hopes an impressive debut season for Norwich could help to earn a place in Holland’s World Cup squad. Speaking to Dutch newspaper Algemeen Dagblad, Fer said: “It is far too early to talk about the World Cup, but playing in Brazil against the best players of the world is a once-in-a-lifetime chance. “I will do everything to be part of that, but I can only do it in one way – give everything at Norwich and take all chances I get for the Oranje with both hands.” Fer, whose last senior call-up came as a substitute against Turkey in September 2009, continued: “It is really fantastic that I am here again. “The first months at Norwich City gave me a good feeling, and the experience here in England is fantastic. Fortunately I could adapt quickly. I now also want to show that I have developed myself with Holland.” Fer produced an impressive display in Norwich’s 3-1 defeat by Chelsea on Sunday at Carrow Road, in a match where the home side fought back in the second half only to be undone on the break as the Blues struck twice in the final five minutes. Norwich’s club-record signing Ricky van Wolfswinkel may not have been on the scoresheet, but worked hard as the lone striker, and it was his knockdown which set up Anthony Pilkington for the equaliser. Van Wolfswinkel – who like Fer has been in and around the Dutch set-up – has yet to add a killer touch in front of goal, with his debut strike against Everton on the opening day his only scoring contribution since an £8.5million summer move from Sporting Lisbon. However, Canaries manager Hughton, whose side are in the bottom three following four defeats from the opening seven Barclays Premier League games, is in no doubt that statistic will soon be chalked off. “Nobody can fault his work-rate. Would he be disappointed he hasn’t got the goals he would have liked? Yes, he’s a striker that’s used to scoring goals and sometimes it takes time,” Hughton said on BBC Radio Norfolk. “First and foremost you want to make sure he is doing a good job for the team, which he is, and I am quite sure that if he continues in that vein the goals will come.” The 23-year-old – nicknamed ‘the bouncer’ for his combative approach – has been called for international duty by Louis van Gaal following injuries to Jonathan de Guzman and Stijn Schaars. Fer – signed by Norwich from FC Twente – intends to make the most of the opportunity as Holland prepare for their last two World Cup qualifiers against Hungary and Turkey, already safely through to Brazil as runaway winners of Group D. Press Association
New Delhi: India’s women T20I skipper Harmanpreet Kaur and vice-captain Smriti Mandhana on Monday reportedly wrote to the Board of Control for Cricket in India (BCCI), urging it to let Ramesh Powar continue as the head coach of the team, days after the cricket board rolled out an advertisement to hire his replacement as his term ended on November 30. In an e-mail to the BCCI, Harmanpreet and Mandhana said Powar brought a positive impact to the team after his appointment as the interim head coach in July, and that he should continue till the 2020 World Cup.“I am writing to bring it under your notice that how tremendously our team has gone under positive changes in the past few months and has set a benchmark in the world top teams. Our defeat in the semi-finals was very disheartening and it brings us all to feel more miserable to see how the controversies has stained our image and questioned the entire cricket fraternity, Hindustan Times quoted Harmanpreet as writing in her letter.Also Read | Ramesh Powar gets no extension, BCCI invites applications for coach of women’s cricket team“Sir Ramesh Powar not only improved us as players but did motivate us to set targets and challenge our own limits. He has changed the faced of Indian women’s cricket team both technically and strategically. He has inculcated in us the sense of winning,” she added.She also explained that Powar alone wasn’t behind Mithali Raj’s omission from the playing XI in the semi-final of the World T20.“The decision was entirely based on the cricketing logics and observations from the past. Keeping in mind the need of the hour, me, Smriti, selector Sudha Shah and the coach together in the presence of our manager felt that we should go ahead with the winning combination,” Harmanpreet wrote.“Cutting the conversation short, I, as the T20 captain and ODI vice-captain is appealing before you to allow Powar to further continue as our team coach. There are hardly 15 months for the next T20 World Cup and a month to go for the New Zealand tour. The way he has transformed us as a team, I feel no reason to replace him,” the captain further in the letter.Powar was involved in an ugly face-off with Mithali after India’s star player was benched for the semi-final of the ICC Women’s World T20 against England which India lost by eight wickets. Several officials in the Indian cricket board were not happy with the way how Powar dealt with the dropping of Mithali and that he acted on a ‘phone call’ from an influential board member to drop India’s leading run-getter.Also Read | Don’t let Virat Kohli be a bully: Ricky Ponting’s advice to Australia The situation involving Powar and Mithali flared up when Powar admitted that his professional relationship with Mithali was strained as he always found her aloof and difficult to handle. Earlier on Tuesday, Mithali slammed Committee of Administrators’ member Diana Edulji and Powar. Mithali said while Powar humiliated her during the ICC Women’s World T20, Edulji used her position against her.Afterwards, the 35-year-old cricketer tweeted, ‘’I’m deeply saddened & hurt by the aspersions cast on me. My commitment to the game & 20yrs of playing for my country, the hard work, sweat, in vain. Today, my patriotism doubted, my skill set questioned & all the mudslinging- it’s the darkest day of my life. May god give strength’’.According to several reports, Powar had no answer to defend his decision when he was asked why Mithali’s strike rate didn’t come in the way of her selection for the games against Ireland and Pakistan.Mithali’s exclusion took an ugly turn following the team’s loss in the semi-final, with the player’s manager calling Indian women’s cricket team skipper Harmanpreet a “manipulative, lying, immature, undeserving captain” in a series of tweets. Mithali’s manager, Annisha Gupta, spoke to ESPNCricinfo and confirmed that the tweets belonged to her handle and defended her statements. However, Gupta deleted the tweets later after the confirmation.The scenario regarding the women’s cricket team coaching has been dodgy. Tushar Arothe quit following differences with the senior players over training methods in August while the situation involving Powar has decimated the morale of the team and created differences between Mithali and Harmanpreet. For all the Latest Sports News News, Cricket News News, Download News Nation Android and iOS Mobile Apps.
For many student athletes, freshman year is a time spent on adjusting to the collegiate level of play or improving mentally and physically with the hope of contributing in later seasons. For Hanna Grinaker, freshman year has been a chance to do all these things as well as solidify her spot as one of the top runners in the nation. Heading into the last lap of the cross-country season, Grinaker has already been awarded the Big Ten Conference Co-Runner of the Week honors and has been the top UW finisher in three races, but she remains focused on her main goal — helping the cross-country team win the Big Ten and NCAA Championships. “The main goal is just to win the Big Ten Championship,” Grinaker said. “It’s not everyyear that you have the chance to win it and I think this year we have a chance. Helping the team win is my first goal and anything personal is just a bonus.” There are many reasons why Grinaker is excited to participate in the Big Ten and NCAA Championships, but she mentions team goals and the opportunity to run with her teammates as the most important, far above any personal accomplishments.It’s easy to see why Grinaker is excited to be a part of the ninth ranked cross-country team in the nation, the highest ever under third-year head coach Jim Stintzi, when you look at her background. Growing up in the small town of Detroit Lakes, Minn., Grinaker was a three-time high school sectional champion and voted into the All-State team each year, but her team never qualified for any championships. Grinaker received the same coaching as the rest of her high school teammates but also kept in close touch with her aunt Mary Grinaker, aUW alum and former Big Ten champion and current high school coach at nearby Madison Memorial, who provided advice and support and always believed in Hanna’s abilities.While Mary Grinaker’s past accomplishments as a Badger had some pull on Hanna’s decision to come to the UW, Hanna credits the chemistry between her fellow cross-country teammates and the abilities of head coach Jim Stintzi as the main reason she committed to the University of Wisconsin and canceled the rest of her college tours.In joining the Badger women’s cross-country team, Grinaker praises being on the team with all her fellow teammates, but specifically credits the leadership and work ethic of senior runner ‘A Havahla Haynes and captain runners Katrina Rundhaug and Amanda Ganser among others, in helping the Badgers reach their current ninth place ranking. “So far I have worked hard and tried to emulate those girls, but I believe everyone on the team is a leader in their own respect and everyone brings something to the table,” Grinaker said. “Whether they are a vocal leader or lead by example. Katrina definitely is both types of leaders, especially when a race or practice doesn’t go as well; she’s stillhelping us out.”Along with helping her become more accustomed to collegiate running, Grinaker considers her teammates to be her best friends and credits them for helping her quickly find a community on the large UW campus, as well as handle the stress of being a student athlete.Grinaker is currently undecided as to what her major will be, but knows that she wants to pursue a career in running after she is finished at the collegiate level.”After I finish college I want to pursue a career in running or be in the athletic world working in running,” Grinaker said.Whatever she decides to do after college, her newly begun college career has been very promising and if she can remain healthy it appears she will be a fixture as a top cross-country runner for the next several years, but for right now she is only concerned aboutfinishing out this year strong. “I always focus day-by-day or year-by-year. I can’t really say what I’d like to accomplish in my college career but I do want to stay healthy and do the best I can today and this year,” Grinaker said. “If I just keep working hard, keep everything in perspectiveand listen to my body, I think anything is possible and anything could happen as long as I keep listening to my coach.”Along with improving in any way she can, Grinaker did mention that she would like to help the cross-country team win as many championships as possible. If she keeps improving on her already spectacular numbers, she might not have to wait long.
One of Ghana’s World Cup venue, Iracema Beach in Fortaleza is set to be the place to be in June and July 2014 when the FIFA World Cup™ comes to town. FIFA Secretary General Jérôme Valcke and Member of the LOC Board Ronaldo joined local music sensations Aviões do Forró, to make a special visit to the site where hundreds of thousands of football fans will celebrate the FIFA Fan Fest.Representatives from the Host City took the time to present their event plan to the delegation as well as media onsite, with FIFA’s Secretary General, Jérôme Valcke impressed with the city’s work:“Fortaleza has a fantastic location for the FIFA Fan Fest. Standing on the beach this morning it was hard to imagine that in less than 6 weeks time, tens of thousands of football fans will be celebrating the FIFA World Cup here. The city of Fortaleza has shown great excitement and support for this project and I’m delighted to be here today to hear more about the plans.”“We are traditionally known as warm and partying people,” said the Municipal Secretary for the FIFA World Cup Patricia Macedo. “We know how to party and how to deliver with competence and the city of Fortaleza would like to display our welcoming tradition to those who visit the FIFA Fan Fest. We are looking forward to receiving an event of such magnitude, and offering a specially-designed space where everyone can watch the matches in a joyful and relaxing setting, gathering fans of all nationalities.”“The city of Fortaleza is a city which is already well-known for its welcoming and hospitable spirit, and this fits very well with the atmosphere of celebration which will be inspired by the FIFA World Cup and all of the activities inherent to it. We are sure we will be great hosts, showcasing the cheerful and supportive nature of our people. We want to demonstrate once again through the FIFA Fan Fest how we love to welcome visitors,” said Mayor of Fortaleza, Roberto Cláudio Rodrigues Bezerra.“The FIFA Fan Fests are a great opportunity to experience the World Cup and to show visitors the Brazilian way of enjoying watching matches in the open, in a unique party atmosphere. The FIFA Fan Fests offer the perfect solution to watch matches with family and friends. I’m certainly planning to watch a few matches there during the event,” explained Ronaldo. The talent on show at the FIFA Fan Fest will not be limited to the football on the big screens. TV Globo and the Host Cities have combined to offer a selection of top quality entertainment, including some of Brazil’s best musical talent. Xand, lead singer from the famous local band Aviões do Forró, revealed the band’s delight at being asked to take part, saying: “It’s a joy to perform at such a huge event, at home in Fortaleza. People attending the FIFA Fan Fest will be provided with the perfect blend of the Northeast: forró and football.”A perfect solution for fans looking to experience the magic of a FIFA World Cupïƒ¤ together in a live setting, FIFA Fan Fests have exploded in popularity since their official introduction at the 2006 FIFA World Cup Germany, with over 24 million football fans having watched matches at FIFA Fan Fest over the last two tournaments.In Brazil, the FIFA Fan Fests will once more offer free admission to secure, iconic locations where both Brazilian and international football fans will be able to come together and FIFA World Cup matches in an entertaining, family-friendly environment. The locations of the FIFA Fan Fests in the other 11 Host Cities of the FIFA World Cup™ can be found here or by clicking the relevant link.
A board member of Hearts of Oak says the Phobians top four finish in the just-ended league can be attributed to new man Can Vanli.After parting ways with Herbert Addo with 21 matchdays played, the Accra giants first put former goalkeepers’ trainer Eddie Ansah in charge only to make an emergency recruitment of the Turkish gaffer when things were not going well.“I think there are some introductions in the team that he (Vanli) has made in terms of ball possession. There are new things he has introduced to the club and we cannot take that away from him,” Frank Nelson says.The Phobians had been dire for most of the season and, in the final six games, were even flirting with the drop.With five league games to end the season, Vanli was brought to complement the efforts of the technical team. Coupled with the club’s win of points from the Disciplinary Committee of the FA, Hearts finished fourth position with 43 points.“The Board will make decisions in that regard. We don’t want to go into next season thinking we cannot win the league or not do better in Africa, I think he can help us,” Nelson told Citi FM. –Follow Joy Sports on Twitter: @Joy997FM