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Most Americans have less than $1,000 in savings

first_img 54SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Americans are living right on the edge — at least when it comes to financial planning.Approximately 62% of Americans have less than $1,000 in their savings accounts and 21% don’t even have a savings account, according to a new survey of more than 5,000 adults conducted this month by Google Consumer Survey for personal finance website GOBankingRates.com. “It’s worrisome that such a large percentage of Americans have so little set aside in a savings account,” says Cameron Huddleston, a personal finance analyst for the site. “They likely don’t have cash reserves to cover an emergency and will have to rely on credit, friends and family, or even their retirement accounts to cover unexpected expenses.”This is supported by a similar survey of 1,000 adults carried out earlier this year by personal finance site Bankrate.com, which also found that 62% of Americans have no emergency savings for things such as a $1,000 emergency room visit or a $500 car repair. Faced with an emergency, they say they would raise the money by reducing spending elsewhere (26%), borrowing from family and/or friends (16%) or using credit cards (12%). And among those who had savings prior to 2008, 57% said they’d used some or all of their savings in the Great Recession, according to a U.S. Federal Reserve survey of over 4,000 adults released last year. continue reading »last_img read more

Buzz Bingo appoints ‘customer engagement pro’ Jamie Queen as commercial lead

first_img Buzz Bingo (formerly Gala Leisure) has confirmed the appointment of Jamie Queen, former Thomas Cook Group Marketing Director to the newly created role of Chief Commercial Officer (CCO).Queen will be tasked with leading a rebranded Buzz Bingo’s commercial operations and enterprise, focusing on enhancing brand development and customer interactions.The executive will join Buzz Bingo’s leadership team this June, reporting directly to Chief Executive Chris Matthews, who commented on the appointment:-“Jamie impressed us with his passion for understanding what drives customer behaviour, his interest in disruptive innovation and his ability to harness the latest technology. He has an excellent track record in managing businesses across digital and retail platforms”“At a time when Buzz is going through rapid change and exciting development, we are extremely positive about what Jamie will bring to both the executive management team and the organisation as a whole.”Buzz Bingo is the new identity of UK legacy bingo operator Gala Leisure, a former subsidiary of Gala Coral UK, which was sold to private equity firm Caledonia Investments in 2015 for £250 million.During 2018, Buzz Bingo would undertake a £40 million ‘makeover’, improving its 100 UK bingo clubs, with the operator seeking to attract new audiences.Furthermore, Buzz Bingo would relaunch its online gambling services, utilising Playtech Plc provisions as lead omni-channel systems provider.Queen commented on joining Buzz Bingo leadership – “Buzz Bingo is a great brand with an interesting story to tell. With its strong credentials in offering first-rate entertainment across the UK, it’s very well-positioned to capitalise on the growing trend for consumers to seek out interesting and authentic experiences. At the same time, with its new digital platform showing strong growth, I’m excited about how the omni-channel brand evolves.” Share Submit Share Veikkaus Finland confirms Regina Sippel as inbound CFO August 30, 2019 Related Articles Affiliate leaders confirmed for CasinoBeats Malta 2020 February 21, 2020 StumbleUpon Buzz Bingo to close 26 UK venues placing 570 jobs at risk  July 15, 2020last_img read more

49ers Matt Breida gives injury update, and it’s not rosy

first_imgYOU GOT WHAT IT TAKES?Pick against our pros all season long and win!***SANTA CLARA — Matt Breida, who leads the NFL in rushing yards and yards per carry, sounded a cautious Friday note when asked about his chances of recovering from a right-knee injury in time to face the Los Angeles Chargers.“It’s going to be a game-time decision. I have to feel comfortable,” the 49ers running back said in advance of Sunday’s game. “I’m not at 100 percent right now.”Breida said he wants to play but …last_img

Winter manure application reminders

first_imgShare Facebook Twitter Google + LinkedIn Pinterest The Ohio Department of Agriculture Division of Soil and Water Conservation would like to remind producers and nutrient applicators of laws and restrictions on manure application.Signed into law by Governor John R. Kasich in July 2015, Ohio Senate Bill 1 clarifies and enhances the restrictions on manure application within the Western Lake Erie Basin (WLEB).Application restrictions in the WLEB include:• On snow-covered or frozen soil;• When the top two inches of the soil are saturated from precipitation;• When the local weather forecast for the application area contains greater than a 50% chance of precipitation exceeding one-half inch in a 24-hour period.• Applicators are responsible for checking and keeping forecast information before application.• Any source of weather prediction is acceptable.Restrictions do not apply if:• The manure is injected into the ground;• Manure is incorporated with 24 hours of surface application, using a tillage tool operated at a minimum of 3-4 inches deep;• The manure is applied onto a growing crop;• The chief of the Division of Soil and Water Conservation has provided written consent for an emergency application. Contact the division in case of an emergency.Producers in the Grand Lake St. Marys watershed are also reminded of the manure application ban that starts on Dec. 15. Producers and manure applicators shall not apply manure between Dec. 15 and March 1. Producers are also banned from surface applying manure on frozen ground or ground covered with more than one inch of snow outside of the Dec. 15 and March 1 dates.Producers in other areas of the state are reminded to use best management practices when applying manure and follow USDA NRCS Field Office Technical Guide Standard 590.For more information about manure application, producers and applicators can contact the ODA Division of Soil and Water Conservation at 614-265-6610 or [email protected]last_img read more

Field Day with Jordan Hoewischer: Dr. Kevin King, USDA Agricultural Research Service

first_imgShare Facebook Twitter Google + LinkedIn Pinterest  Leave a CommentIn the latest episode of Field Day with Jordan Hoewischer, Ohio Farm Bureau’s Director of Water Quality and Research talks with Dr. Kevin King from USDA Agricultural Research Service.Hoewischer and his guest discuss King’s edge-of-field monitoring program which serves as the backbone of scientific information for most nutrient and soil management decisions in the Midwest.Field Day with Jordan Hoewischer is an ongoing series of conversations with experts and leaders who are helping to shape and secure the future of Ohio’s ag industry for generations to come.Following are some highlights from this episode. Complete transcript.Q: What’s happening on farm fields? (The research) is kind of the missing link between how decisions are being made from a number of different facets. So how is that information used? What’s the end game with all this information?A: Our ultimate goal when we first started this was to identify practices that offer an ability to reduce nutrient loading to surface water bodies or polluted water bodies. So that was the primary goal and I think that still is the primary goal.Q: What has been the general results of cover crops on some of the fields that you’ve been looking at?A: When we look at cover crops, we see the nitrogen losses coming out of the tile that drains the nitrate, nitrogen is significantly reduced. With phosphorus, we don’t see any benefit whatsoever immediately. Now where I think we do get some benefit which is secondary, would be with the increase in water storage capacity. So it’s not a direct uptake by the plant itself, but secondarily we’re not losing as much water and therefore not as many nutrients.Q: What’s the easiest thing a farmer can change to reduce nutrients coming off their farm?A: Soil testing. I would highly encourage producers to sample at least on a five-acre type of grid and apply accordingly. It’s one thing to take the soil sample; it’s another to look at that soil sample and base your application on that soil sample.  Leave a Commentlast_img read more

Set of Six: What we learned at National Youth Championships

first_imgBy BEN HARRIS1. Modern technology is wonderful:In July, promising touch football player Cody Gray was involved in a terrible ski accident and as a result, she is now a quadriplegic. She was to captain the South Australia Heat in the girls’ division on the Sunshine Coast. Although she was in Adelaide, she was able to watch the Heat go around through the wonders of technology. Gray was watching the Heat’s matches on Facetime. As Touch Football South Australia’s Tim Wyld said: “Modern technology allows us to get her up on Facetime and almost be in the sub box and she was barking instructions to the girls from Adelaide.”2. The emergence of the New South Wales Touch Association Development Squad:In 2012, NSW Touch introduced their Development Teams into the National Youth Championships. The boys finished 13th and 10th in 2012 and 2013 respectively, and the girls came eighth and seventh in each of those years. In 2014 both teams made the quarter-finals for the first time. The highlight would have been the boys’ 6-all draw with New South Wales Combined High Schools on day one.3. Developing states are getting there:It is always tough coming up against sides from New South Wales and Queensland considering how strong those states are at touch football. But the other states are closing the gap, and fast. Victoria finished second in their pool in the girls’ division, South Australia missed out on the quarter-finals on for and against, and Western Tigers came third in their group in the boys’ division. Sure other states were on the wrong end of some lopsided score lines, but with time, they too will be pushing for finals spots.4. The four-referee system:For the first time in National Youth Championships history there were four referees officiating selected games in a trial that could change the way the game of touch is refereed forever. The concept was to reduce fatigue among the referees, which ultimately could reduce the number of errors referees can make. From all reports it was a success and only time will tell if the innovation will become a regular occurrence at tournaments.5. Quality players on show:It’s no surprise but touch football produces some stellar athletes. The skills on show this week were second to none, and no doubt we will be seeing a few of the players from this year’s tournament representing their state or country in the future. Shannon Rose in particular – playing in her third National Youth Championships, she became the first player to score 50 touchdowns in the tournament’s history.6. NYC is a fantastic tournament:Touch football is in safe hands. The sport just keeps going from strength to strength and much has got to do with the superb efforts by players, coaches, managers, referees, administrators and spectators. Although some regions were not represented at this year’s event, it did not take away the spirit and value of the tournament.There are plenty of ways to keep up-to-date with all of the latest results, news and information from the 2014 National Youth Championships (NYC). The Touch Football Australia and NYC websites will be updated regularly throughout the event with all of the latest information and can be found by clicking on the links below: www.nyc.mytouchfooty.com www.touchfootball.com.au All of Touch Football Australia’s social media pages will be regularly updated throughout the NYC event, so be sure to ‘like’ and ‘follow’ us by clicking on the links below. Facebook – www.facebook.com/touchfootballaustralia Twitter – www.twitter.com/touchfootyaus (be sure to use the hashtag #nationalyouthchamps) Instagram – www.instagram.com/touchfootballaustralia (be sure to use the hashtag #nationalyouthchamps) The TFA YouTube channel will also have highlights and game live streamed throughout the event. Please click on the link below to be taken to the channel, and be sure to become a subscriber to the channel – www.youtube.com/touchfootballausRelated LinksNYC’s set of sixlast_img read more

After Tommy John surgery Adam Niemeyer playing key role for Ohio State

Redshirt freshman right-hander Adam Niemeyer (43) delivers a pitch against Louisville on April 14. OSU won, 2-0.Credit: Ryan Cooper / Sports EditorAdam Niemeyer was making the second appearance of his collegiate career last season when he knew something was wrong.“I threw a curveball and I just knew it wasn’t good when I threw that pitch. I tried to throw again in another game, but it just kept getting worse and worse, so I got an MRI and found out that I had to have surgery,” the Ohio State redshirt freshman right-hander said.The procedure that Niemeyer had to undergo was ulnar collateral reconstruction surgery, commonly known as Tommy John surgery. It is an operation where a damaged ligament in the medial elbow is replaced with a tendon from elsewhere in the body, and it is becoming almost commonplace for pitchers.Last season, more than 25 major league pitchers required the operation. This year, over 10 have already gone under the knife.For Niemeyer, the elbow problems began during his junior year of high school. After a summer to rest it, however, he felt no discomfort — that is until a game at Oregon on March 7, 2014, when the pain returned.He made one more appearance six days later against Siena after the fateful one in Oregon. In that outing, he gave up four unearned runs. After that night, he was shut down before undergoing the procedure on April 9, 2014.“It was pretty disappointing, just because I was coming off my best outing of the year, really felt like I was contributing to the team, and then hearing that news was just really devastating,” Niemeyer said.Jason Good, the athletic trainer for the OSU baseball team, was tasked with bringing Niemeyer back to full strength.“It’s a pretty long process, as you can imagine,” Good said. “Prior to the ‘80s, you were done, but now we’ve kind of developed a rehab progression where we start off with just range of motion, just moving the joints to get them going, to strengthening the shoulder, elbow, wrist flexors, and now really we’re starting to get even further, to where we’re working from the ground up, and almost rebuilding an athlete.”Good said the timetable to return is set at 12 months from the date of surgery, with a couple of months on either side depending on the success of the rehab.For Niemeyer, it was on the quicker side, as he made his return to the diamond with a scoreless inning against Pittsburgh on Feb. 15 — just over 10 months after the surgery.“I could tell he was down a little bit, because I knew he wanted to be out there with us, especially after a good outing against Oregon, and then he finds out he can’t pitch the rest of the year,” sophomore outfielder Ronnie Dawson, who was roommates with Niemeyer last year, said. “But he handled it really well. He wanted to get the surgery right away, start the rehab and now he’s back here.”Niemeyer said the support of fellow Tommy John recipients — junior infielder Jacob Bosiokovic and sophomore right-hander Yianni Pavlopoulos — a select group they call “The Zipper Club,” helped him cope with his rehab and recovery.But more than anything, it was the Minster, Ohio, product’s hunger to return to the mound and help his team toward its goal of making the NCAA tournament that drove him.“It’s good to go out there and contribute to the team, help the team win,” Niemeyer said. “That was the hardest part last year, just watching from the sidelines, not really being able to go out there and help the guys.”After six appearances out of the bullpen to start the season, OSU coach Greg Beals handed Niemeyer the ball for his first collegiate start — a start that just so happened to come against a team that was ranked No. 4 in the nation at the time in Louisville on April 14.Niemeyer responded masterfully, tossing five shutout innings and only allowing two hits to guide OSU’s 2-0 upset victory.He then made another start a week later, a 6-3 victory over Morehead State, before returning to the bullpen to toss three scoreless innings of relief against Illinois last weekend.Good said he was not surprised to see the right-hander come back with a vengeance based on his work to get back following the surgery.“Adam’s doing really well. He was a good foundation,” Good said. “He’s kind of the model of, ‘All right, if you have somebody who’s going to get hurt, this is the foundation that you want to work with,’ because he has a good structure, he works hard and he’s driven to want to be back.”While Good said that it usually takes about two years for a pitcher to feel like they did before the surgery, Niemeyer, just over a year removed from the operation, said he feels he is already at that point.“I think I am (100 percent). I feel pretty good,” Niemeyer said. “I still have things I have to work on. I think my control is what I have to focus on to get that back to where it was, but arm-wise, I feel pretty good.”Niemeyer and the Buckeyes are set to close out their home schedule with a three-game series against Maryland from May 8-10. First pitch is set for 6:35 p.m., 3:05 p.m. and 1:05 p.m. for Friday, Saturday and Sunday, respectively. read more

Mens Basketball No 8 Ohio State dominated by Penn State 7956 for

Ohio State head coach Chris Holtmann talks to sophomore center Micah Potter (0) during a timeout in the first half of the game against Iowa on Feb. 10 in the Schottenstein Center. Credit: Jack Westerheide | Photo EditorNo. 8 Ohio State just had to win its remaining four games to become outright Big Ten regular-season champions. But going into State College, Pennsylvania, to face off against Penn State, the only conference team that had beaten Ohio State this season, the road was not going to be easy.The Buckeyes left Happy Valley anything but happy after getting mauled by the Nittany Lions 79-56, bringing Ohio State to a tie for first place in the conference with No. 2 Michigan State. Ohio State still holds the tiebreaker for seeding in the Big Ten tournament.The Buckeyes (22-6, 13-2 Big Ten) shot just 39 percent overall and 13 percent from 3-point range, while the Nittany Lions (19-9, 9-6 Big Ten) shot 48 percent from the field, and were commanding from beyond the arc, shooting 45 percent.In the head-to-head matchup between Ohio State redshirt junior forward Keita Bates-Diop and Penn State sophomore guard Tony Carr, the conference’s scoring leaders, Carr finished with the upper hand, scoring 30 points off 9-for-15 shooting, including 50 percent from 3. Bates-Diop had just 10 points and five rebounds.Penn State went on a near-four-minute scoring drought, but went on a 15-3 run with 1:30 left in the first half to go up 40-19. The first half came to an end with a full-court pass that was caught by Carr on the baseline, who made the layup and the subsequent and-1 to give Penn State the 45-21 halftime lead. It was the largest first-half deficit Ohio State has faced all season.Ohio State began to show some life around the middle of the second half. Trailing by 30 points, the Buckeyes went on an 18-4 run to bring the game to 58-42 with 10:37 left to play. The game got off to a rough start for Ohio State. The Buckeyes had four points from freshman center Kaleb Wesson, but he landed awkwardly on his ankle trying to grab a defensive rebound and was forced to leave the game. Wesson returned with 10:50 left in the first half.After the injury, Penn State sprinted to a 12-0 run that included Ohio State head coach Chris Holtmann getting hit for a technical foul for arguing with the referees. Wesson’s four points were the Buckeyes’ only points until junior guard C.J. Jackson made a layup with 13:31 left in the first half. Penn State guard Tony Carr responded immediately with a 3 to bring the Nittany Lion lead to 17-6. read more

Report Rodriguez James expected to be a last minute decision

first_imgColombia coach Jose Pekerman is expected to make a last minute decision as to whether to play James Rodriguez in their all-important second round World Cup clash against England considering his state of health or not.Initial scans have shown that the injury suffered by the Bayern Munich star in their final Group H encounter against Senegal are better than first feared. With the scans showing he suffered no ligaments damage or muscle tear.Pekerman has given his star player every chance of making the tie against England, saying the decision to James would be a last minute one, Mirror claims.James Rodriguez, Real MadridZidane hails ‘quality’ James Rodriguez after Real Madrid’s win Andrew Smyth – September 14, 2019 Zinedine Zidane reserved special praise for James Rodriguez after his starring role in Real Madrid’s 3-2 win over Levante.The former Madrid man did not train together with his teammates in front of the media on Monday, he was seen to be working on his core alone with the hope of getting fit for the second round game on Tuesday evening.James Rodriguez who won the golden boot at the last World Cup in Brazil with six goals came into this tournament with an injury, only playing 90 minutes in the second group game against Poland and coming on as a substitute in the first game against Japan.Should the injury force him out of the tie, Colombia would be looking towards the 25-year-old Juan Quintero, who has impressed so far at this World Cup for their creative spark.last_img read more

Break Out attempt at TCI Detention Center

first_imgFacebook Twitter Google+LinkedInPinterestWhatsApp Related Items:#detaineesattemptescape, #magneticmedianews, #TCIdetentioncenterbreakoutattempt Facebook Twitter Google+LinkedInPinterestWhatsApp#TurksandCaicos, December 6, 2017 – Providenciales – Fast acting, quick thinking security guards at the South Dock Road Detention Center foiled an attempt at escape late Monday night just before 11 o’clock; but they were held in a hostage type situation until Police showed up.Some detainees, including a dozen Dominican poachers and Haitian migrants tried to trick and overpower two guards but failed and, Magnetic Media understands, the Police Tactical Unit was called in to de-escalate the drama.A detainee pretended to be ‘sick’ and when the guards entered the upper floor of the center, they were ‘rushed’ by detainees who tried to bolt out of the open door.   The security men, who are said to be Turks and Caicos Islanders fought the group back and yelled for the lower floor door to be secured; it was and the migrants were unable to break out but the guards were held hostage.Police Tactical swooped in and was able to rescue the guards and restore order.   At the time 11 Dominicans, six Haitians including three women are being held at the Detention Center.#MagneticMediaNews#detaineesattemptescape#TCIdetentioncenterbreakoutattemptlast_img read more