12 ways you can save money without sacrificing your lifestyle

first_img 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Saving or spending is an eternal economic dilemma. People are constantly torn between the satisfaction of present gratification and the promise of future prosperity. At a first glance, it seems almost impossible to simultaneously achieve both, due to the dynamics of limited income, volatile prices, and personal needs.There are many instances where people spend their money quickly, for limited gains, and find themselves unable to save for the future. Conversely, other people sacrifice their preferred lifestyle in order to save money for a future goal which they deem important, but miss a lot of opportunities to enjoy the present. Both approaches are prone to bring regret, dissatisfaction, and unhappiness in the long run. So what can we do?Ideally, there should be a fine balance between saving and spending. This can be easily achieved with some self-discipline and common sense. To help you out, we will list twelve simple ways to save money without sacrificing your lifestyle.1. Control the Urge for Instant GratificationThe desire for instant gratification is almost inescapable, as it’s programmed in our natural behavior. We naturally prefer the now rather than the later, especially when it comes to things we need on a regular basis, like clothes, food, and household equipment. This also applies to leisure activities, which we would almost certainly prefer to do now, even if we’re short on cash. continue reading »last_img read more

NAFCU calls on CUs to share stories, urge end of shutdown

first_imgAs the partial government shutdown enters its second month, NAFCU has launched a new grassroots campaign that allows credit unions to directly contact their representatives and senators. NAFCU is encouraging credit unions to share how their institution is supporting members affected by the shutdown, and to also urge an end to it.“NAFCU realizes that the impact of this shutdown is being felt by many credit unions and their members in a number of ways,” wrote Brad Thaler, NAFCU’s vice president of legislative affairs, in a message to member credit unions Tuesday. “We share the sentiment with many of you that it is time to end the shutdown. I write today to ask you to share that message with your elected officials.”Thaler also highlighted credit unions’ efforts to help members since the shutdown began.“The Administration and Members of Congress have been taking notice of the good work credit unions are doing too, with many officials citing credit unions as an important option for assistance to those impacted by the shutdown,” Thaler said. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

Title, Continental Tickets Down to the Last Game

first_imgNPFL PLAYOFFBy Fisayo DairoIt is the final MatchDay of the 2018/19 Nigeria Professional Football League (NPFL) Championship Playoff this Wednesday at the Agege Stadium and there are still all to play for five of the six clubs with the giant trophy and two continental slots up for grabs. The four previous match days of high intensity and top level competition have left seven-time league champions Enyimba as the only team to have sealed a continental place for next season while FC Ifeanyiubah are the only team mathematically out of the running having turned out the “whipping boys” with no points from four games.A total of thirty-six goals have been scored in twelve matches, an impressive average of three goals per game, but in spite of a low scoring Match Day 4 (by the lofty standards of this season’s playoffs), it does not look like the teams are tired of banging in the good, great goals.Enyimba overtook Kano Pillars at the summit of the log after an expected, but comprehensive 3-1 win over FC Ifeanyiubah on Monday night. All the People’s Elephant now need to seal a return to CAF Champions League football for the first time in four seasons is to avoid losing by not more than a one-goal margin against Akwa United who desperately need a win.Enyimba’s nine points have guaranteed them a top three spot regardless of Wednesday’s result but Usman Abd’Allah’s men do have their sights on the trophy they last won in 2015. Akwa United who remain unbeaten in their first four games will however pose a capable threat to their aspirations.Akwa United head coach Rafael Everton is expected to recall former Enyimba star Mfon Udoh – who came on as substitute in their last two games – to the starting line up and the Brazilian acknowledges that it will be a difficult game on Wednesday.“We will continue to believe. We came here to work and we will continue to believe that we will win the league. It is (going to be) a difficult game, it is a derby but we’ve not lost in all the games we have played so we will start planning to win the last game,” Everton told www.npfl.ng.Kano Pillars are the only remaining unbeaten side in this Playoffs and they require just a point from their last game against calculator-wearied Lobi Stars to seal a return to the continent since 2015. Pillars were denied by a late minute penalty against Rangers on Monday which made them relinquish their top spot to Enyimba.Pillars will continue to rely on forwards Nyima Nwagua and Ebuka David Odenigbo against a Lobi Stars side who can still finish third with a win should both Rangers and Akwa United lose their games.Another side with their destiny not directly in their hands is current Cup winners Rangers International. Gbenga Ogunbote’s wards are expected to have a straight forward win on paper over FC Ifeanyiubah but that may not be sufficient for them if Lobi Stars do not do them the favour of beating Pillars.Rangers have five points, three less than Pillars but will have to win by at least a 3-goal margin against the 2016 Federation Cup winners and pray that Pillars lose, or Akwa United fail to win if they intend to make it a back-to-back appearance in the CAF Confederation Cup.The Agege Township Stadium remains the stage for the final day of hostilities and while landing the topmost prize of the NPFL 2018/19 season will be tops on the wish list of Enyimba, Kano Pillars and Akwa United, an eventual place on the continent should be good reward for the latter duo.Surely, a day of celebration, ecstasy, what ifs, if only and had we known is in the offing with tears of joy and sorrow expected to flow over onto the Agege waters.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

Cowboys newcomer Gerald McCoy out for season with leg injury

first_img Associated Press Television News FOLLOW US SUBSCRIBE TO US WATCH US LIVE COMMENT First Published: 18th August, 2020 09:11 ISTcenter_img LIVE TV Last Updated: 18th August, 2020 09:11 IST Cowboys Newcomer Gerald McCoy Out For Season With Leg Injury Dallas Cowboys defensive tackle Gerald McCoy is out for the season after tearing the quadriceps tendon in his right leg in the first padded practice of training camp Monday Written By Dallas Cowboys defensive tackle Gerald McCoy is out for the season after tearing the quadriceps tendon in his right leg in the first padded practice of training camp Monday.The Cowboys added plenty of depth on the defensive line in the offseason, but the loss of a potential starting tackle is a blow for first-year coach Mike McCarthy and the mostly new defensive staff.Executive vice president of personnel Stephen Jones said McCoy would have surgery soon. Jones said McCoy was working against Antwaun Woods in individual drills when Woods stepped on his foot.McCoy was the first of four significant additions on the defensive line in free agency. He and Dontari Poe were expected to help fill the middle while pass rushers Aldon Smith and Everson Griffen were added to make things a little easier for DeMarcus Lawrence on the outside.The 32-year-old McCoy signed an $18 million, three-year deal with $7 million guaranteed in March.“Unfortunately that’s why you have to have a deep roster,” Jones said. “You never know when things like this are going to happen and it’s certainly disappointing. We’re first and foremost disappointed for Gerald, but also it’s disappointing for us.”Fellow defensive lineman Tyrone Crawford’s second season in 2013 ended in a similar way when he tore an Achilles tendon during individual work early in training camp.“Having a guy like that that you just get to know, just get to make part of the family, it’s always sad to see,” Crawford said. “It’s never fun to have it happen like that because you weren’t even competing at that time.”Trysten Hill, the team’s top draft choice as a second-rounder in 2019, will likely get the first shot to replace McCoy. Jones also mentioned Neville Gallimore, a third-round pick this year.Hill couldn’t really break the rotation for the defensive line during a rough rookie season.“Trysten was young, a young player last year and had some vets in front of him,” Jones said. “It’s time for him to step up. Our current coaching staff feel really good about him.”McCoy spent his first nine seasons with Tampa Bay. The 2013 All-Pro has made six Pro Bowls and has 59 1/2 sacks in 10 seasons. McCoy was in Carolina last year.Image credits: AP last_img read more

Large percentage of working class without union representation

first_imgWhile workers from the traditional sectors have sought representation from trade unions, there is a large bracket of the working class population in Guyana that remains unrepresented.During the centurial anniversary of trade unionism in Guyana, President of the Federation of Independent Trade Unions of Guyana (FITUG), Carvil Duncan, recognised that workers were represented owing to strives by Hubert Nathanial Critchlow.However, he said, no one has sought to have private employees and other groups of employees represented, which uncovers the fact that there is much more to be done.“Why is the security service not organised? Why [are] the private education institutions not organised? Critchlow organised the domestic workers and they are organised. We have all these calling centres which have thousands of persons and they are still not organised. We have a lot of work to do,” Duncan iterated.The FITUG President called on other unions to evolve from the traditional methods of representing workers and work towards a new direction.“We are not living in a world of our own in Guyana. Globalisation came…and it left with us a technologically-developed workforce. What are we doing about that? Throughout the Caribbean, unions have been losing members primarily because they have not been focusing in the right direction. If after 100 years, we should now consider focusing in another direction,” the Trade Unionist added.Reconstitution of Labour MinistryAnother burning issue highlighted was the fact the Labour Ministry was dismantled in 2015 and replaced by a department. Holding weighty importance, calls were mounted by FITUG and the Guyana Agricultural and General Workers Union (GAWU) to have the Ministry reconstituted.Duncan insisted to the Labour Minister, Keith Scott, who was amid the gathering, “There is need to have a Ministry of Labour…People are leaving rapidly and more people intend to leave. What’s to happen is the trade unions who will suffer. Do an analysis of what is happening, do your utmost to ensure that this decline reduces and the Ministry starts operating as a Ministry of Labour and not under no other minister,” Duncan expressed.General Secretary of GAWU Seepaul Narine shared similar sentiments, stating he is of the belief that a Labour Ministry is unwelcomed by Government.“The Ministry which existed up to May 2015 has now been relegated to a department after more than 60 years of existence. It seems to us that the Government is vehemently opposed to a Labour Ministry as could be seen by its disagreement with an Opposition-sponsored motion to re-establish the Labour Ministry”.Adding to these challenges, the GAWU representative stated that collective bargaining is one of the promises which remains unfulfilled by the coalition administration.“Another vexing problem we are facing relates to collective bargaining which has received scant attention from the powers-that-be…We heard this before, and to date such promises remain dashed and our law on collective bargaining continues to be disregarded. Could you imagine reading the newspapers and learning from the President of the Guyana Teachers Union that his union was unaware that negotiations were purportedly taking place between the GTU and the Government,” said Narine.Presently, the Department of Labour is controlled by the Social Protection Ministry, which was created in 2015 after the present administration took office.Remembering CritchlowIn 1919, Hubert Nathaniel Critchlow founded the British Guiana Labour Union (BGLU) which later sparked the recognition of countless others to advocate for better wages and working hours. At the age of 21, the Father of Trade Unionism rallied persons to demand for an eight-hour working period daily after facing exploitation in the workplace.As such, Trade Unionist Lincoln Lewis shared that Guyanese must recognise these contributions which led to NIS and severance payments, collective bargaining.“The Trade Union Movement, more than any other organisation, has done more work in contributing to welding this nation. This is a proud history that we must recognise, proclaim or all to be aware of…Today in 2019, our challenge must be to recognise our common interest,” he asserted.Lewis, who is also the President of the Guyana Trade Unions Congress (GTUC), reminded that Guyana is on the cusp of unparalleled oil wealth, which must be used to provide unemployment benefits.“As they talk about the windfall they will be getting from oil, it may be the right place for them to put some money in the NIS so when people lose their job, they can get unemployment benefits…We are not tasked with the responsibility of dividing the national pie; ours is the duty to advocate for equitable no-partisan division that elevates the standards of the working class”.last_img read more