QPR boss Harry Redknapp says his players must be ready to face an intimidating atmosphere when they play Leeds United at Elland Road this weekend.Both teams are unbeaten in the Championship so far this season and Redknapp believes Leeds will challenge for promotion under manager Brian McDermott.“It’ll be a tough game. You don’t get an easy game at Leeds,” said Redknapp.“It’s a passionate, fantastic crowd – great support. It’s one of the great clubs in English football.“You look at the support and the club over the years that Leeds have been. They still have great support home and away and it’s an intimidating place to go.“They’ve got a good manager in Brian McDermott and a good team. I’m sure they’ll be there or thereabouts.“With that crowd behind them, no-one will go to Elland Road and get an easy game that’s for sure. They’ll be right up there.“They’re talking about getting maybe 30,000 tomorrow. It’ll be a great atmosphere and we’ll have to be at our best to get a result there.”See also:QPR star passed fit for Leeds 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 Follow West London Sport on TwitterFind us on Facebook
Now the … CLICK HERE if you are having a problem viewing the photos on a mobile deviceOnce upon a time, the American League baseball franchise based in the nation’s capital was so bad, so hopeless, so unwaveringly incompetent that in 1904 sportswriter Charley Dryden was moved to compose a searing motto that was decades ahead of its time.“Washington: First in war, first in peace and last in the American League.”They say it was the first incidence of trolling in professional sports.
By Molly C. HerndonThe Military Families Learning Network’s personal finance FAQ Coordinator, Dr. Barbara O’Neill, and Dr. Jing Xiao’s recent article “Financial Behaviors Before and After the Financial Crisis: Evidence from an Online Survey” was recently published and shared by AFCPE. In this article, they analyze the results of the Financial Fitness Quiz to measure change among participant’s behavior regarding financial actions and decisions.The study focused on behavior before and after the recent global financial crisis. Their review included the finding that more than half of working adults experienced a reduction in pay or hours. These negative impacts were exacerbated by an increase in the rate of foreclosures, job loss, and general slow economic growth. The Financial Fitness Quiz sought to determine if this “new normal” (p.33) created more positive financial behaviors, such as increasing savings and reducing debt.Before analyzing the results of their quiz, O’Neill and Xiao conducted a review of the literature. A Pew Research Center study between January 2008 and June 2010 found 62% of Americans had reduced their spending since December 2007 and 48% reported being in worse financial shape than before the recession (p.34). As an indicator of the times, the 2009 Financial Capability Study conducted by the FINRA Investor Education Foundation found nearly half of respondents reported a difficulty paying bills and the majority of respondents did not have savings set aside for predictable life events (p.34). In fact, half of the respondents said their savings would only allow them to meet financial obligations for one month if they were to lose their job (p.34).Their analysis contained results from the Fourth Annual Savings Assessment, sponsored by America Saves and the American Savings Education Council in 2011. This study found the number of households taking action to increase their savings rose from 55% in 2010 to 57% in 2011, and those saving for retirement rose from 49% to 54%. The study also found households with savings plans were also more likely to spend less than their income (p.34).O’Neill and Xiao utilized the Transtheoretical Model of Change which outlines five steps of change, as a framework for the analysis of the quiz results. The authors sought evidence that the financial crisis of the late 2000s served as a “consciousness-raising” event that sparked positive change in many households (p.36). As a result of this heightened awareness, households began learning more about financial topics and taking action to protect their own financial well-being.Data from the Financial Fitness Quiz were analyzed. The Financial Fitness Quiz is an online assessment that used a 6-year data set of 10,661 respondents, beginning in January 2005, before the economic downturn, and December 31, 2010, when unemployment was at 9.8%. The quiz is made up of 20 items to which respondents were asked to select a number from a 5-point Likert-type scale that best described their frequency of performance of these financial actions (p.36).ResultsThe five items that were performed with greater frequency:Having a checking account which with to pay billsHaving enough money to pay mortgage/rent and other household expensesHaving adequate insurance to cover big unexpected expensesKeeping organized financial recordsAvoiding impulse purchasesThe five items that scored the lowest for frequency of performance:Having a written budgetKnowing one’s federal marginal tax bracketHaving a least three months expenses set aside for emergenciesHaving written financial goals with a date and a dollar costHaving a current willAdditionally, the total quiz scores were slightly higher in the post-crisis sample than the pre-crisis sample, indicating an overall increase in the preferred financial management practices. Even so, both quiz scores averaged less than 70%. However, the findings did suggest that budgeting, spending and savings behaviors were executed more frequently after the financial crisis (p.42).While it is clear the financial crisis served as a “wake up call” for many to increase savings and increase the frequency of other positive financial behaviors, but according to survey results, it did not serve as an impetus for change for all survey respondents. Or, more hopefully, there will be long-term impacts among these respondents. It would be interesting to see, if, in a few more years, more positive financial behavior changes emerge among this population.The Financial Fitness Quiz can be taken by any individual wishing to asses their financial literacy. The grade received may serve as a benchmark for individuals wishing to track their improving results over time to see if their increase of knowledge and change in behavior has had a positive impact on their score when taken again at a later date.To read O’Neill and Xiao’s article in full, please visit: http://afcpe.org/assets/pdf/v23_j3.pdfReference:O’Neill, B. & Xiao, J.J. (2012). Financial Behaviors Before and After the Financial Crisis: Evidence from an Online Survey. Association for Financial Counseling and Planning Education, 23(1), 33-46.The financial crisis – How has it changed behavior? by Molly C. Herndon is licensed under a Creative Commons Attribution 3.0 Unported License.Based on a work at /.
Lalit Modi’s legal counsel on Thursday slammed top Cricket Board officials for squarely blaming the sacked IPL Commissioner for all IPL-related queries at a meeting with a Parliamentary Committee members by terming their stand as “irresponsible and unsustainable”.”The response to the queries by certain senior BCCI officials are irresponsible and unbecoming of their positions.The stand taken by the BCCI officials that Lalit Modi took them for a ride is too simplistic, sweeping and unsustainable to reason and logic,” said Modi’s counsel Mehmood Abdi in a statement on Thursday.Under fire over allegations of foreign exchange violations in IPL, BCCI’s top officials had blamed sacked commissioner Modi for “mistakes” as they told the Parliamentary Standing Committee on Finance yesterday that they had given approvals at his behest in “good faith”.BCCI president Shashank Manohar, secretary N Srinivasan and IPL chairman Chirayu Amin were quizzed by the Parliamentary Committee for about two-and-a-half hours about the alleged FEMA violations.”All these persons are adult individuals who ought to possess common prudence to be hoodwinked by Lalit Modi. Their conduct puts a question mark on their worthiness to hold such high office,” Abdi said.”The role and powers of office bearers (of BCCI) are well defined and at no point in time Lalit Modi was vested with any power to conduct financial functions. It was BCCI’s secretary and treasurer who had sanctioned the expenditure, settled payments and signed financial instruments like checks etc,” he said. (More) PTI SSR VKV SSCAbdi further added that the statements by the BCCI officials that acts were “mistakes” which were done in “good faith” were self defeating.advertisement”Mistakes do not necessarily entail deliberate intention.Therefore, on the one hand they wish leniency and kid glove treatment for them but brand Lalit Modi as culprit for the mistakes,” he said.Abdi felt the case for an independent disciplinary panel to probe BCCI’s charges against Modi has strengthened following the stand taken yesterday by the Board officials as one of them (Amin) was on BCCI’s disciplinary committee.”The attitude of BCCI officials (who) deposed before the parliamentary committee, one of whom is a member of the disciplinary committee probing charges against Modi, makes our case for an independent panel of inquiry stronger,” he said.”We have lost faith in their fairness as the member goes public levelling blame at Lalit Modi. If he is convinced of the guilt of Modi before inquiry what is left for him to probe into,” Abdi wondered.He also added that his reaction was entirely based on media reports of the parliamentary committee proceedings.Yesterday, the BCCI was asked about the funding pattern of the highly popular IPL and the methods adopted for payment to foreign and Indian players.The Parliamentary Committee also sought details of the expenses incurred on the conduct of the second edition of the Twenty20 tournament in South Africa in 2009.The IPL was held in the African nation in 2009 due to a clash of dates with the general elections in India.- With PTI inputs
Recommended for you Fyre Festival, a huge disaster Related Items:exuma, world travel awards Million dollar marijuana drug bust in Exuma Facebook Twitter Google+LinkedInPinterestWhatsAppProvidenciales, 16 Oct 2015 – Magnetic Media tomorrow heads to Great Exuma in The Caribbean and North America will be staged. Sandals Emerald Bay Resort in Exuma will host our media crew and they will also host the event which is considered the Oscar’s of the Travel Industry. Many Turks and Caicos properties are nominated for a prize. Make sure you are connected to Magnetic Media on Facebook or Twitter or LinkedIn or Instagram or WhatsApp for ‘happening now’ coverage of the gala which takes place on Saturday. Facebook Twitter Google+LinkedInPinterestWhatsApp Sandals Resorts International Honored At Annual World Travel Awards
Related Items: Facebook Twitter Google+LinkedInPinterestWhatsApp Facebook Twitter Google+LinkedInPinterestWhatsApp#Bahamas, October 12, 2017 – Nassau – The Public Financial Management and Performance Monitoring Reform (PFM/PMR) Project Unit within the Ministry of Finance is mandated to improve the government’s capacity to manage and allocate resources and as such will have a tangible effect not just on the public service but also on the lives of every Bahamian.Increasing transparency and coordination between agencies for improved planning, implementation and monitoring will be a major step in ensuring fiscal sustainability for the Bahamian economy. More effective project implementation will mean that Bahamians will see greater value for money from public expenditure.The PFM/PMR Project Unit will host a Public Forum on Thursday, October 12, 2017 at the University of the Bahamas, 6 p.m. to 8 p.m. in the Performing Arts Centre. The public forum will provide the first opportunity for key stakeholders in academia, private sector, civil society, and media to voice their opinions on the project and have their questions answered by the Component Coordinators directly.The forum will reveal historic and revolutionary changes that PFM/PMR will bring. The public is invited for suggestions, feedback, and input, which are valuable during this process of change of the public sector.Press Release: BIS
February 27, 2018 Posted: February 27, 2018 Steve Bosh 00:00 00:00 spaceplay / pause qunload | stop ffullscreenshift + ←→slower / faster ↑↓volume mmute ←→seek . seek to previous 12… 6 seek to 10%, 20% … 60% XColor SettingsAaAaAaAaTextBackgroundOpacity SettingsTextOpaqueSemi-TransparentBackgroundSemi-TransparentOpaqueTransparentFont SettingsSize||TypeSerif MonospaceSerifSans Serif MonospaceSans SerifCasualCursiveSmallCapsResetSave SettingsA decision from the Supreme Court is expected by June on whether requiring workers to pay union fees is unconstitutional.If that happens, it will be a major threat to labor’s membership, financing and political power.KUSI’s Steve Bosh has the story. Supreme Court hearing on union dues Steve Bosh, Categories: Local San Diego News FacebookTwitter