first_imgIs it hard to find time to run errands between schoolwork, sports and clubs? Problem solved: erraNDs-4-U, a new student-run delivery service, will do the shopping for you. Senior Shea Streeter and junior Angelise Hadley began the business with just $30 as a project for their introduction to entrepreneurship class. “Everyone here is so busy that it’s often a huge ordeal to have to get off campus for little day-to-day items, especially for the people who don’t have cars. When given the task to start a business, I thought that we’d be able to reach a huge portion of the student population and would hopefully be able to make their lives a little easier,” Hadley said. Streeter said they began the project because it is often inconvenient for students who live on campus to get toiletries and other essential items. “Every year I’ve been at Notre Dame it’s been a struggle to try to get off campus to go shopping for the things I need. I know that there are lots of other students who have the same difficulty, so I started erraNDs-4-U with Angelise in order to give students a convenient alternative to taking a taxi or going without necessities like shampoo for days,” Streeter said. Drivers shop at both Super Target and Super Wal-Mart and service fees are $5 for one to five items, $7 for six to 10 items and $10 for more than 10 items. They make deliveries on Tuesdays and Fridays. Students also have the option to ride along to the store for a $5 fee. Seats are on a first-come-first-served basis. To place an order, students can either send an e-mail to or fill out an order form through a Facebook page at Hadley said feedback about the new service has been positive thus far. “People who we’ve told about the business or advertised to have all said that it is a great idea and a much-needed service,” Hadley said. Currently, services are provided solely to students living on campus at Notre Dame. “Right now, we are putting our focus on the Notre Dame dorms. However, that’s not to say that we won’t expand to Saint Mary’s College and off-campus students in the future,” Hadley said. Just in its beginning stage, Streeter and Hadley are the sole errand-runners, but they said the business has great potential to expand. “We hope to be able to reach as many students as possible and maybe expand to have more students working for us as drivers and deliverers,” Hadley said.last_img read more

first_imgWatch us LIVE at – Chautauqua County Executive PJ Wendel is scheduled to hold a press conference update on the evolving COVID-19 pandemic and its local effects today.Wendel will be joined by Christine Schuyler, Chautauqua County Director of Health and Human Services, at 3 p.m. in the county legislative chambers.The press conference will be lived streamed on WNYNewsNow’s Facebook page with full coverage to follow on our website and mobile app. Share:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email this to a friend (Opens in new window)last_img

first_imgWithout an understanding of basic financial concepts, how do you expect to manage your money wisely? The answer is getting educated. Financial literacy is everything because it is one of the greatest challenges people have today. With student loan debt, predatory lenders and a lack of savings for emergency situations, today is the day to change your financial future. Here are 5 kick ass strategies and a bonus 5 financial tools to make a difference today!:AskIf there is something you do not know about money, ask. If there is a bill you cannot pay, ask. People are afraid to have conversations about their finances but should understand resources are out there and most companies have tools or solutions to get you back on track. Help the next generation by getting out there and obtaining the financial literacy tools you need. Honestly, how well do you understand money and finances? Resolve to get educated!There are many ways to get the education you need, and without spending money! Check with your local city/county government to see if there are financial education classes available. Many credit unions offer free seminars on a variety of financial literacy topics. Visit your local branch today.Know The DifferenceThe biggest difference between a bank and a credit union is that banks are for-profit organizations and credit unions are not-for-profit. Additionally, banks and credit unions should not be confused with check cashers and other predatory lenders. Know your options.Do some research on the different types of financial institutions and organizations. You will find those ads that promise “fast, easy loans” are hoping to trap you in a web that could take years trying to get out. Educate yourself on interest rates and learn what the fine print really says.Just because a short-term lender constantly advertises on TV or the radio does not mean it is the best option. Many credit unions have developed alternatives to payday lenders that help their members by establishing a savings account and educating on financial literacy.Know You Have A CHOICEThis is the most important aspect of financial literacy. Have the tools, know the difference and then choose appropriately. There is an old saying that rings true today: “A fool and his money are soon parted”. Being educated will lead you to financial success.Talk To Someone – Kids, Partner, Financial InstitutionImportant financial topics should be shared, not be a well-kept secret. If you are a parent, talk to your kids about money. If there is something you are not sure about, talk to your partner/spouse. There might be an issue you can work together to find a solution. If one partner controls the finances, both people should be aware of what is happening.It may not be 1950, but even today you will hear about a husband passing away and the wife having no idea how to manage the household finances. Of course, the same is true the other way around. This is not about gender, it is about being good, financially successful partners together.A recent study found 72% of parents are reluctant to talk to their kids about money. If this is you, resolve to change for the better!Set Goals And PlanLook at finances as you would your family or career; take it seriously. Set goals to save. Be proactive about your financial future. Although money does not buy happiness; it sure does make life a heck of a lot easier. It allows you to do the things you want to do or build the business you want to build. You do not have to be money hungry, but understand your finances and manage it accordingly.Another great adage by Ben Franklin from the 1700s: “By failing to prepare, you are preparing to fail”. Have a savings plan, create financial goals for yourself and your family.Kick Ass Bonus: 5 Tools To Improve Your Financial Success! Save 15% to 20% of every paycheck. Do this until you build a reserve that will last you three to six months. Ten years ago, this advice would have been a maximum three-month reserve. But with the recent recession taught us it can take much longer to find a job in a crisis situation. Be prepared. Track your expenses. This is the most important part of creating a budget. Get a notebook and keep a log. Or put in an Excel file if you prefer. So often people do not know how much they spend, and therefore how much money they have available for discretionary expenses. Limit debt to 35% of your income. This way you will be able to save a little while you handle your expenses. Use the 30-day rule. Try to limit your spontaneous purchasing. Rather than just deciding to buy a new TV, wait 30 days to make sure it is something you really want (and need).Evaluate your bills – and don’t be lazy! Be engaged. Ask questions of your financial institution. Call your cable company and ask to reevaluate your bill before canceling. Most institutions would rather help you than lose you as a customer. 104SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Dr. Brandi Stankovic Dr. Brandi Stankovic is an organizational change expert, motivational speaker, professor, artist and mommy who inspires firms globally with her models of leadership, engagement, and award-winning education. She is the … Web: Detailslast_img read more

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York Carl Paladino (Photo credit: Hannonjd Director of New Media, Paladino For The People)Upstate New York Republican Carl Paladino, a former gubernatorial candidate, ignited a firestorm of criticism Friday for “racist” and “reprehensible” remarks including his wish that President Obama “catch mad cow disease” and “dies” and First Lady Michelle Obama “return to being a male and let loose in the outback of Zimbabwe.”The racially insensitive comments from Paladino, who supported President-elect Donald Trump during the presidential campaign, came in response to four questions posed by Artvoice, a Buffalo alt-weekly, for an article related to the new year titled, “What do we want for 2017?”In response to the paper’s first question—“What would you like most to happen in 2017?”—Paladino said: “Obama catches mad cow disease after being caught having relations with a Herford. He dies before his trial and is buried in a cow pasture next to Valerie Jarret, who died weeks prior, after being convicted of sedition and treason, when a Jihady cell mate mistook her for being a nice person and decapitated her.”Asked who’d he’d like to “go away” next year, Paladino responded, “Michele Obama.”“I’d like her to return to being a male and let loose in the outback of Zimbabwe where she lives comfortably in a cave with Maxie, the gorilla,” he added.The comments garnered swift condemnation from Gov. Andrew Cuomo, his former 2010 gubernatorial race rival.“Carl Paladino, a Republican Party official from Western New York, made racist, ugly and reprehensible remarks about President Obama and the First Lady Michelle Obama,” Cuomo said in a statement.“Paladino has a long history of racist and incendiary comments,” he added. “While most New Yorkers know Mr. Paladino is not to be taken seriously, as his erratic behavior defies any rational analysis and he has no credibility, his words are still jarring. His remarks do not reflect the sentiments or opinions of any real New Yorker and he has embarrassed the good people of the state with his latest hate-filled rage.”Paladino’s comments also drew a rebuke from the president-elect’s transition team, calling the remarks “absolutely reprehensible.”The county executive of Erie County said Paladino should resign from his position on the Buffalo School Board, as did hundreds of people who signed an online petition calling for Paladino’s resignation.“Carl Paladino has proven himself time again with disgusting comments to be a racist,” stated the petition, which had more than 2,100 signatories just hours after it was created.Paladino released an unapologetic statement in which he criticized President Obama for diminishing the military’s might and questioning First Lady Michelle Obama’s patriotism.“And yes,” he closed, “it’s about a little deprecating humor which Americans lost for a long time. Merry Christmas and tough luck if you don’t like my answer.”last_img read more

first_imgThe new promotional sport CNTB is great, it uses our famous athletes as ambassadors of Croatian tourism, uses the latest trends in drone shooting, sends emotional messages, shows our diversity. Great video in line with the latest trends.This is how the message would have sounded 10 years ago, but through the prism of today, my personal position is that the video is “average”, mosaic, ie nothing special, and we have seen hundreds, thousands of such videos in the past 10 years. It is certainly not in line with the expectations and demand of today’s market, and the great competition and noise in communication.First of all, it is certainly commendable how the CNTB finally included our athletes as ambassadors of Croatian tourism. It is a pity that it took so long for our athletes to finally get involved in the promotion of Croatia, even though they have been doing it with their sporting successes since day one and they have certainly indebted us. One only needs to remember 1998 and the success of our footballers who branded our famous dice all over the world. Not just footballers but all other athletes all these years. These cubes are synonymous with Croatia even today, while on the other hand we have somehow forgotten them, wandering and looking for something “new”, and we already have cubes that are unique and by which we are recognized. Having such a strong brand is a rarity, and the power of the same is reflected enough when we mention the slogans: “What happens in Vegas stays in Vegas” as well as “I Love NY”. Why change it when we are recognized by it, unique and everyone knows about us, we just need to refine it and add new added value.But let’s get back to the topic.Enthusiastic about the new video primarily comes from the fact that we finally used our athletes as ambassadors of Croatian tourism and it is certainly positive. But is that enough? Is that consistent enough with the times we live in? Are our expectations too low?We must not forget that this is about branding Croatia, and I can’t help but get the impression that we did a bad job again. We have to be argumentative and positively critical. The work of the CNTB is always monitored under special eyes and we tend to publicly criticize or praise their work, but this is not criticism for the sake of criticism, because again, this is an extremely important segment – branding Croatia and the image we send to the world.Personally, I think that this video should have been just one of the “10” videos as an extension of the main video and communication. As well as to make a special platform, ie a communication strategy with our sports ambassadors, and not just one promotional video. However, as stated, the video will be shortened and more short videos will be made, in accordance with the target market. But that is certainly not enough, because one video certainly does not make a difference and must be part of the whole communication story and strategy. The video is classic and mosaic, without any idea and absolutely nothing special. There are no emotions and experiences as a motive for coming nor any story that will set us apart from others. Today, the noise in communication is terribly big, and in order to stand out, we have to be unique, have a special story and be different from others. Especially when we are “small” and when we do not have large budgets for promotion like some other tourist destinations. There is a lack of emotion and some stories, that “drive” and the need to share it on social networks, especially from the perspective of foreign tourists who are the target group of the video.Watch the promotional video once again and through the prism of today’s time and business of the 21st century? Is that enough?There is a lot of criticism on social networks, and most often there is only one woman in the video (Zrinka Cvitešić), how some other famous athletes should have been included, such as Kostelići, Mirko Filipović, Goran Ivanišević, etc.… how bad English is, how there is a lack of shots from other regions, how classic it is, how many shots are taken by a drone, etc.…I certainly agree with the above arguments, these are all very important details. Details that make a difference. I have a feeling that everything was done by force and in a short time. And the fact that only two or three months have passed unofficially for the realization of the entire video, from the idea to the premiere, speaks for itself.Three months is certainly too little, frivolous and unprofessional, especially because it is about branding Croatia. Such projects are prepared for months, if not years, paying attention to every second of the video, word, shot, etc.… A great example is the Great campaign from the UK. A campaign that brands the whole of the UK through various segments such as education, tourism, culture and the economy. However, in Croatia, unfortunately, we do not yet have an office or a body in charge of branding Croatia, as well as synergy and awareness of branding the state at that level, both horizontally and vertically.Someone would have to get fired for the music in the promotional video Personally, I think that the background music is too slow and that the music has to be more dynamic, but I am not a music expert, but that is my personal impression. But one fact bothered me a lot and because of that gaffe someone should get fired, at least he would get fired in the private sector. So, 700.000 kuna was spent on making the video, while the music cost $ 49 and is available on this link to buy.It is not news that music is bought through such sites and is often used by marketing agencies, nor is the price questionable, but the tragedy is that music was used to promote our country that someone has used before and that we can now buy and use for another occasion. Imagine that the same music is used for an advertisement for detergent or toothpaste – the point is clear. To make matters worse, the same background music is already in use in Croatia, for the needs of a promotional video for a political parties. If you are already buying music from such portals, then you are buying a license that no one can use it anymore and it is inadmissible that the music has already been used by someone, who knows for what purposes. We are talking about branding Croatia! That is unacceptable!They could now analyze the whole video in detail and they should, ie they should in the CNTB, but I leave that to some others, experts in every field, which we certainly have in Croatia. Indeed, professionals who have achieved worldwide success and recognition, from marketing agencies, experts in digital marketing, design, photography, branding, etc.…It is certainly positive that this step was made and our athletes were finally involved in the promotion of Croatia, but the general impression is that in accordance with today’s trends and market needs, the video is mosaic, classic and the performance should have been much much better. Lots more emotions and experiences because we have something to brag about and be proud of. It is precisely our greatest value that is our diversity and authenticity. We must not be satisfied with the average, nowadays you have to be faster, different and more innovative or Blue Cow as Seth Godin would say. The competition is not sleeping, on the contrary, it is fighting hard to be better than us, and we are just giving it even more space.Tourism is made up of emotions, experiences and stories, and we are still unfortunately average.last_img read more

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first_imgThe Mass is attended by only a few close aides instead of several dozen guests, as was the case before the outbreak.”[We pray] for the political parties of various countries, so that in this time of pandemic, they together seek the good of the country and not the good of their own party,” he said.The leader of the world’s 1.3 billion Roman Catholics did not name any countries or politicians.Francis, who has been saying Masses and holding general audiences without public participation, has been drawing attention to the effects of the crisis on society’s most vulnerable sectors, particularly the homeless and migrants.On Sunday he called for an all-embracing vision of the world after the Covid-19 crisis, saying moving on without global solidarity or excluding some from the recovery would result in “an even worse virus”.  Pope Francis urged politicians on Monday to put aside partisan differences in order to deal with the coronavirus crisis in a united way.Francis’ private morning Mass has been transmitted live on television for the past six week since the outbreak took hold in Italy. Each day he chooses a theme or intention, such as thanking those who provide medical and other essential services.”We pray today for men and women who have a political vocation,” he said at the start of the Mass, adding that “politics is a high form of charity”. Topics :last_img read more

first_imgSpringfield Central in Queensland is set to become a playground paradise with the announcement of a new “super-size” world-class facility within a $6 billion mixed-use residential development.An elevated adventure landscape will be constructed in the early stages of Springfield Land Corporation’s City Centre North project, adding a new play dimension to the precinct’s popular Orion Lagoon and Robelle Domain.An artist’s impression of the adventure landscape.The project’s vision has been planned and designed by consultants Woods Bagot and Urbis, who looked at international examples in Asia and Europe for inspiration for the world-class ­facility.Urbis national director James Tuma says a lot of research went into the background of what makes a city great.“Part of it was great public spaces, and access to parkland and great shopping and those sorts of things,” he says.“One of the dimensions we thought that could be really great to differentiate this from other places, was a strong emphasis on children’s play, and access to nature and adventure.”It’s expected the playground will be a hit among kids.Tuma says while the playground has an international flavour, the team wants to “ground it in something that is locally relevant”.More from newsMould, age, not enough to stop 17 bidders fighting for this home3 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor9 hours ago“We did some work with a German group, and we came up with an extremely exciting, and extremely large, cable net structure that goes over the top of the creek. Children can climb through this elevated adventure landscape and then use slippery slides and tree trunks and all sorts of things to climb up and down either side,” he says.“So you get this totally immersive, supersized children’s play experience.”The playground is set to be an early piece of the $6 billion City Centre North project, which will have about 10,000 apartments, commercial and retail developed over 15 years close to the Springfield Central train station.This article was originally published on Quest.last_img read more

first_imgAmundi – Peter Brackett has been appointed head of global consultant relations for the French asset manager. Brackett joins the firm from American Century Investments, where he helped build the UK institutional business. He also held similar roles at Morgan Stanley Investment Management, and was previously an investment consultant at Aon Hewitt. He will be based in London and will look to develop Amundi’s reputation among consulting firms.IFM Investors – John Carey has been appointed as investment director for European infrastructure debt at the Australian firm’s London office. Carey will be responsible for the origination, analysis and execution of debt investments made in the UK and Europe. He joins from Moody’s, where he was a senior analyst in infrastructure finance. He also has experience with Barclays, in infrastructure finance, and KPMG.GAM – Gary Singleterry and Tom Mansley are set to join the Swiss asset management group after it acquired Singleterry Mansley Asset Management, of which they were principals. Alongside the founders, the entire investment team will also transfer across to GAM. The pair founded their firm in 2002, which has AUM of around $400m (€294m). Its consolidation into GAM is expected to complete later this month. Vervoer, De Eendragt, KPMG, Amundi, IFM Investors, GAMVervoer – The €15.8bn pension fund for private road transport in the Netherlands, has appointed Marjolein Sol as its new CIO, effective 1 August. Sol is to succeed Patrick Groenendijk, who recently started as practice leader at Northern Trust’s Chicago-based fiduciary management team. From 2012 to 2013, Sol was a board member at Mercurius, the pension fund for financial services – including communications watchdog AFM and Euronext – which is currently in the process of liquidation. Before then, she was CIO at Syntrus Achmea Asset Management and senior adviser at insurer Achmea. Vervoer’s new CIO has also been business leader for IC Benelux at consultant Mercer, director of fixed income and equities at the €158bn asset manager PGGM and head of credit derivatives at Rabobank.De Eendragt – Philip Menco has left as director of the €1.5bn life insurer and pensions provider De Eendragt Pensioen. He has been succeeded by Albert Bakker, a former interim manager and senior programme manager at insurer Achmea. Menco is still deciding on his next opportunity, he said. At the same time, André van Vliet has succeeded Tom Nieuwenhuizen as CFO at De Eendragt. Nieuwenhuizen is to fully focus on the company’s clients.KPMG – Julie Patterson is to join the global accountancy and consultancy firm as a director in its European financial services regulatory centre, covering the investment management industry. Patterson is known for her prior position at the Investment Management Association, where she was director of regulatory affairs for investment funds and retail. Patterson spent 15 years at the IMA before deciding to join KPMG, representing fund managers through a raft of new regulatory changes.last_img read more

first_imgHealthLifestyle Cosmetic surgeons call for surgery adverts ban by: – January 23, 2012 Share Sharing is caring! Share The PIP implants were made with low-grade silicone not meant for medical useCosmetic surgery advertising should be banned and annual checks carried out on surgeons, the industry has said.The British Association of Aesthetic Plastic Surgeons (Baaps) wants measures including increased regulation of the “cowboy” market in the UK.Prof Sir Bruce Keogh is leading a government review of the trade after the PIP breast implants scandal.Sir Bruce has said an insurance scheme for the sector, similar to that in the travel industry, could be introduced.‘Marketing gimmicks’The government is also considering the introduction of a breast implant registry to make a record of all cosmetic operations.Baaps said cosmetic surgery as a medical procedure should not be advertised, in the same way that the promotion of prescription medicines is banned.Baaps president Fazel Fatah said: “Over the last decade the Baaps has worked tirelessly to educate the public on the many aggressive marketing gimmicks that not only trivialise surgery but endanger the patient.“We have warned against the unrealistic expectations set by reality ‘makeover’ shows and against crass competition prizes promising ‘mummy makeovers’ and body overhauls.“In no other area of surgery would one encounter Christmas vouchers and two-for-one offers – the pendulum has swung too far, and it is time for change.“Thus we are delighted with the upcoming inquiry and put forward our realistic and achievable proposals for consideration by the government.”‘Patient welfare’The Independent Healthcare Advisory Services represents the cosmetic surgery industry.Its director Sally Taber told the BBC that “this type of advertising has increased to an inapproprate level”. However, she added: “We do not agree that there should be a total ban on cosmetic surgery advertising.“Advertising should be honest and ethical, in everybody’s interests so the patient is aware of what is available.“We have worked hard with Baaps to ensure there isn’t this incentivised advertising.”The faulty implants were made by the now-closed French company Poly Implant Prostheses (PIP) and filled with industrial rather than medical grade silicone.Some 300,000 of the implants were sold around the world, mainly in Europe.About 40,000 women in the UK received PIP implants, with 95% dealt with by private clinics.The government has said implants given on the NHS can be removed and replaced free of charge, and removed but not replaced if it was done privately.Private clinics have varied in their response to whether they will remove the implants for free.NHS medical director Sir Bruce said: “I am working with experts from the plastic surgery field to look at what we can do to make sure people who choose to have cosmetic surgery and other cosmetic procedures are safe.“I will be looking at all aspects of regulation, at the regulation of implants and fillers, at whether the people who carry out cosmetic interventions have the right skills, at whether the clinics look after the care and welfare of their patients.”BBC Newscenter_img 13 Views   no discussions Tweet Sharelast_img read more