Personal Finance Self-Assessment Tools

first_imgBy Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduOne of the most powerful ways to motivate people (including yourself!) to improve money management practices is to complete a personalized analysis of financial strengths and weaknesses. Fortunately, there are many free and easy-to-use online tools that provide financial self-assessments. Below is a description of online quizzes that provide useful information about what people are doing right and/or suggested action steps for improvement.The first six online quizzes were developed by Rutgers Cooperative Extension. In addition to providing users with personalized self-assessments about their personal finances, they also collect data for ongoing research about the financial practices of U.S. consumers.Financial Fitness Quiz– Consisting of 20 questions, the quiz prompts people to assess their frequency of performance of recommended financial practices. Quiz items include questions about emergency savings, retirement savings, financial goal-setting, financial record-keeping, budgeting, debt ratios, and comparison shopping.Identity Theft Risk Assessment Quiz– Also consisting of 20 questions, the quiz prompts people to assess their frequency of performance of recommended risk-reduction practices. Quiz items include questions about checking credit reports, shredding documents with sensitive data, and securing incoming and outgoing mail.Investment Risk Tolerance Quiz– A well-tested research instrument that was published in an academic journal, this 13-question quiz prompts people to answer a series of questions about their propensity to take risks and their investment practices. Quiz items include a number of hypothetical scenarios with alternative choices.Personal Health and Finance Quiz– Consisting of 10 questions about health practices and 10 about financial practices, this 20-question quiz prompts people to simultaneously assess both aspects of their lives. Quiz items include questions about food consumption, physical activity, saving and investing, budgeting, and debt ratios.Personal Resiliency Resources Assessment Quiz– Consisting of 20 questions, this quiz prompts people to assess available resources that can help them cope with financially stressful situations. Quiz items include three categories of resiliency resources: financial (e.g., emergency funds and insurance), social/community, and personal.Wise Credit Management Quiz- Consisting of 20 questions, this quiz prompts people to assess their frequency of performance of recommended credit and debt management practices. Quiz items include questions about debt ratios, credit report and credit score reviews, debt repayment practices, and avoidance of high-cost predatory loans.The following three online quizzes provide additional self-assessments about financial management practices:Financial Capability Scale– This eight-question quiz was developed by the Center for Financial Security at the University of Wisconsin-Madison. Quiz items include questions about budgeting, confidence in achieving financial goals, emergency funds, automatic savings, household cash flow, and financial goal-setting.Financial Health Quiz (How Healthy Are Your Finances?)- This quiz from CNN Money prompts users for information about key areas of personal finance and provides feedback and a letter grade. The seven topic areas are retirement savings, housing payment, debt, emergency savings, diversification, company stock, and life insurance.Personal Finance Wellness Scale™- This eight-question quiz was developed by the Personal Finance Employee Education Fund (PFEEF). Potential users must submit an online request to use it. Quiz items include questions about respondents’ financial stress level, emergency fund adequacy, and perceptions about living “paycheck to paycheck.”last_img read more

2nd ODI: Babar Azam, Shadab Khan lift Pakistan to 32-run victory

first_imgBabar Azam hit a second successive century and Shadab Khan gave a strong all-round performance as Pakistan beat Sri Lanka by 32 runs in the second one-day international on Monday.Azam scored 101 off 133 balls a day after celebrating his 23rd birthday, while Shadab dug in to score 52 not out to lift Pakistan’s total to 219-9. They featured in a 109-run stand after Pakistan was 101-6 against seamers Lahiru Gamage (4-57) and Thisara Perera (2-34).Captain Upul Tharanga became the first Sri Lankan to carry his bat in an ODI with an unbeaten 112 off 144 balls including 14 fours, but his team was bowled out for 187 in 48 overs.”Our batting collapsed but the way they (Azam and Shadab) batted after that on a difficult pitch was brilliant,” said Pakistan captain Sarfraz Ahmed, who won the toss.”The pitch kept getting slower and slower, so batting wasn’t easy … if we trust the youngsters, they give us good performances.”Shadab also outfoxed the batsmen with his legspin to finish with 3-47 as, yet again, the Sri Lanka top order failed to fire as it did in the first game of five, which it lost 83 runs on Friday.Azam and Shadab batted resolutely and rotated the strike with singles and twos much to the frustration of Sri Lanka. Neither attempted expansive shots.Azam raised his century with only six boundaries before he missed Gamage’s low full toss in the last over and was caught at long on.In the run chase, Tharanga struggled to get partnerships going and survived two early catching chances when Shadab and Azam dropped sitters.advertisementThe Sri Lanka captain also successfully overturned a caught behind decision against him on 29, and Pakistan missed an opportunity to have him lbw on 46. Shadab didn’t go for the video review when replays showed the ball would have crashed on to the stumps.But Sri Lanka always lagged behind despite Tharanga’s chancy stay at the crease. It slipped to 93-7, losing five wickets in seven overs. Shadab claimed three of those wickets.Tharanga added 76 runs with Jeffrey Vandersay (22) but never looked to threaten Pakistan’s total before Vandersay holed out in the deep and the last two batsmen were run out.”When you’re 90 for 7, it’s a tough task,” Tharanga said. “It was good to carry the bat, but disappointed with the result.”Sri Lanka has lost 18 of its 23 ODIs in 2017, including 5-0 defeats against South Africa and India.last_img read more

Virat Kohli becomes costliest player in Indian Premier League history

first_imgVirat Kohli has now become the costliest player in the history of the Indian Premier League after he was retained by Royal Challengers Bangalore for the 2018 edition of the Twenty20 league starting April 5.Royal Challengers Bangalore will now pay Kohli Rs 17 crore for his services making him the most costliest player. Kohli pipped Yuvraj Singh, who had fetched Rs 16 crore from Delhi Daredevils in 2015. RCB also retained AB de Villiers and Sarfaraz Khan.Chennai Super Kings retained MS Dhoni and defending champions Mumbai Indian retained Rohit Sharma. Both these players will get Rs 15 crore each while David Warner (Sunrisers Hyderabad) and Steve Smith (Rajasthan Royals) have been retained at Rs 12 crore each.Ben Stokes hit the jackpot when he was sold to Rising Pune Supergiant for a whopping Rs 14.50 crore in the player auction last year in February held in Bengaluru.The Delhi dasher has been on a record-breaking spree since the start of 2016. 18 international centuries, close to 5500 international runs speak volumes about his personality.No other player in the history of the IPL has scored more runs or hundreds in a single season as Kohli did in 2016. The Royal Challengers Bangalore skipper hammered a record 973 runs in 16 matches at an average of 81.08.He scored four hundreds in the tournament which is the most by any batsman in a single season. RCB though, couldn’t overcome the final hurdle and lost to David Warner’s Sunrisers Hyderabad in the summit clash.He, however, had a nightmarish season in 2017. He finished with 308 runs from 10 games at an average of 30.80 with four half-centuries to his name.advertisementThe 29-year-old also had to miss the first four matches with a shoulder injury that he picked up during the third Test against Australia in Ranchi last year.INTERNATIONAL RECORDSHe also became the only batsman to hit double hundreds in four successive Test series during the one-off match against Bangladesh in 2017. After a lean patch in Test cricket against Australia, Kohli hammered 610 rus in the three-Test series against Sri Lanka at home.Kohli was the leading run-scorer in ODIs in 2017 with 1460 runs in 26 matches at an average of 76.84 with 6 hundreds and 7 fifties.In the course of a dominant year for India, Kohli also went past Ricky Ponting and is now second in the list of century scorers in ODIs. He now has 32 hundreds and many experts feel he would be able to get close to Sachin Tendulkar’s 49 tons in the format.Kohli now has the most double centuries as a Test captain (6). He joined Sachin Tendulkar and Virender Sehwag at the top of the list for most double centuries by an Indian in Test cricket.IPL 2018 AUCTIONThe mega auction will be held in Bengaluru on January 27 and 28.The salary cap was raised for the 11th edition of the lucrative IPL. For the coming season, it’s fixed at Rs 80 crore and will increase to Rs 82 and 85 crore respectively in 2019 and 2020.The minimum spend has been fixed at 75 per cent of the salary cap for each season.The player retention price guideline for salary cap charged has also been set as Rs 33 crore (for 3 players pre auction), Rs 21 crore (for 2 players pre auction) and Rs 12.5 crore (for 1 player retained pre-auction).For those franchises who have retained one or two players, they get three RTM cards, if they have kept three, then they get two RTM cards.Each squad can consist of a maximum number of 25 players (up to 8 overseas players) and a minimum of 18.Here is the full list of retained players:Chennai Super Kings — MS Dhoni, Suresh Raina, Ravindra JadejaSunrisers Hyderabad — David Warner, Bhuvneshwar KumarKings XI Punjab — Axar PatelKolkata Knight Riders — Sunil Narine, Andre RussellRoyal Challengers Bangalore — Virat Kohli, AB de Villiers, Sarfaraz KhanRajasthan Royals — Steve SmithMumbai Indians — Rohit Sharma, Hardik Pandya, Jasprit BumrahDelhi Daredevils — Rishabh Pant, Shreyas Iyer, Chris MorrisTable of players retained by each franchiselast_img read more

Mike Gundy – Paper Stacker

first_imgObviously that’s the key here, that Gundy has proven over nearly half a decade that he does in fact know how to steer a national program with a vault of money in the right direction. His comments after the Fiesta Bowl were intriguing though, almost as if he didn’t know whether everybody else is ready for this:If we’re going to compete with Oklahoma and Texas and Nebraska and LSU and Alabama and Stanford and all these teams, then we need to do the same things that they’re doing. We’ve been fortunate. We’ve competed at a very high level the last two years but we’ve done it a little bit short-handed. We’re not going to always be able to do it short-handed. We have to have the same opportunities as everybody else.Am I slightly perturbed that a coach for the team that hadn’t beaten OU in nearly a decade and just now won its first Big 12 title is being compensated with the likes of Urban Meyer and Les Miles? Maybe, but folks that’s the world we live in today, and I can promise you Mike Gundy has been at the helm of a program that has brought in a handsome profit margin that is significantly his annual compensation in these last few years.When you look at how much they brought in vs. how much they spend, that fact is kind of undeniable.Which is exactly why the head ball coach just had his pockets lined with gold and orange doubloons and diamond-encrusted mini-Petes. I’m just not sure it need to be $3.7M worth. Where exactly was he going to go?I’m not saying he shouldn’t have been paid, he should have, and well. I’m just saying that if there’s anything the last three years worth of basketball debacle have taught us is that programs, I mean real programs are built slowly and with care and precision. A $1.6M leap in salary in one year is neither careful nor precise.And the problem for Gundy is that I’m not sure he knows what he’s going to do for an encore.If you’re looking for the comments section, it has moved to our forum, The Chamber. You can go there to comment and holler about these articles, specifically in these threads. You can register for a free account right here and will need one to comment.If you’re wondering why we decided to do this, we wrote about that here. Thank you and cheers! Photo Attribution: KT KingThe king of Oklahoma State’s audacious, and might I add lavish, football kingdom is coming off his second straight uber-successful campaign and is now about to partake in all the spoils and loot that come with being on top.It’s tasty, isn’t it Mike?Both the Oklahoman and the Tulsa World are reporting that Gundy’s new eight year contract will be cashed in for upwards of $3.7M a year. That’s a long way from the $700,000 he was making when he first took over in Stillwater.In fact, he’s now (most likely) the 7th highest paid coach in the country, behind only the following people:Mack Brown – $5.1MNick Saban – $4.7MBob Stoops – $4.1MUrban Meyer – $4MLes Miles – $3.9MKirk Ferentz – $3.8MMike Gundy – $3.7M (allegedly)I can’t believe Miles will be under $4M for much longer after the season he’s had this year. In fact, I would bet all of my paychecks until football starts again that Miles is making more than 4 mil a year when LSU takes the field for the first time in September.The black cloud hanging over all of this is that in college sports so often monetary compensation out-eseclates on-the-field success. And on-the-field success is so incredibly difficult to maintain, even for the preeminent powers that be (have you been on orangebloods.com in the last two seasons?)Don’t get me wrong, I was right there with everyone, pitchfork in hand, demanding that Holder hand over the money Gundy had rightfully earned a month ago.But now that he’s been rewarded, you kind of have to take a step back and say “wow, what does a program coached by the 7th best coach in the country look like and is OSU ready to be there every year?”Kirk Ferentz got his bump to $3.8 after leading Iowa to the 2010 Orange Bowl and since then has gone 15-11. Is his seat getting hot? No, because as we’ve learned with a certain basketball coach in Stillwater, a long, expensive contract guarantees you more than money. It guarantees you the opportunity to develop a long-term success, something Travis Ford hasn’t proved he’s interested in and something Mike Gundy has already done.last_img read more

TMC routed in North Bengal

first_imgDarjeeling: The TMC was routed in North Bengal with all the districts switching colour to saffron on Thursday.Though the Election Commission has not officially announced the winners, the trend clearly indicates BJP’s victory. All the eight constituencies of North Bengal have fallen in the BJP kitty. In Darjeeling, counting had taken place in Kalimpong, Siliguri and Darjeeling. From the morning, the BJP had given the lead with TMC trailing. This trend continued till the end of counting. Except the Chopra Assembly segments, the BJP won in all other Assembly segments in Darjeeling Lok Sabha constituency. The Left Front and the Congress also could not make a dent. Also Read – City bids adieu to Goddess DurgaIn Uttar Dinajpur, BJP candidate Debashree Chowdhury is all set to emerge victorious. The margin is expected to be more than 60,000. Though Mohammad Salim of the CPI(M) had visited the counting centre once, Deepa Dasmunshi of the Congress remained inconspicuous. Kanaia Lal Agarwal fielded by the TMC failed to check the saffron advance. Chowdhury thanked the voters stating that she was confident of her victory. “People voted for a strong and stable government,” added Chowdhury. Agarwal asked the TMC supporters not to be dejected and to start working for a victory in 2021 Assembly election. Also Read – Centuries-old Durga Pujas continue to be hit among revellersJohn Barla has bagged the Alipurduar seat. At the time of filing of the copy, Dasarath Tirkey of the TMC was trailing by more than one and a half lakh votes. As the day advanced, the margin widened. “People have voted for peace. Peace and prosperity will return to the tea belt,” said Barla. In Cooch Behar, BJP candidate Nisith Pramanik is all set to emerge victorious, defeating TMC candidate Paresh Adhikari by more than 55,000 votes. In Jalpaiguri, BJP candidate Jayanta Rai is winning in the seat. Bijayendra Barman of TMC was trailing behind by around 1 lakh 38,000 votes. Though Barman was initialing winning, in the later rounds Rai overtook him. This trend continued and the margin widened. Balurghat was also bagged by the BJP. Sukanta Majumdar of the BJP has won the seat by a margin of around 35,000 votes defeating TMC candidate Arpita Ghosh. After 10 rounds, Ghosh had come out of the counting centre. She had blame organisational weakness and lapses for the defeat. Malda, the Congress bastion, has also changed colours. Both the family members of Congressman Late Gani Khan Choudhury could not check the saffron advance. In Dakshin Malda, the contest was between the BJP and Congress. Till reports last came in, Sreerupa Mitra Chaudhury of the BJP was leading with Abu Hasem Khan Choudhury trailing by around 19000 votes. In the Uttar Malda constituency, TMC candidate Mausam Benazir Noor trailed behind BJP candidate Khagen Murmu by more than 18000 votes. “The Muslim voted for the TMC to escape from the BJP. The Hindus voted for the BJP to escape from the TMC. In the midst of this polarisation, the Left Front and Congress have lost all relevance in Bengal politics,” explained Congress leader Adhir Ranjan Chowdhury.last_img read more

Im not ready for politics Sonu Nigam

first_imgNew Delhi: Popular singer Sonu Nigam has often shared his honest opinion on various socio-political issues, but politics is one area that he is not ready to enter right now. He has been outspoken about many topics like playing the national anthem in public places, the #MeToo movement and azaan loudspeakers. He has also shown interest in many social causes. In the past, he had extended his support to the transgender community, held a charity concert to raise funds to educate tribal children, did a Unicef charity project, worked towards eliminating malnutrition in India and much more. Also Read – ‘Will be acting till I die’ Asked if politics was on his mind, Sonu told IANS via email without mentioning the the name of any political party: “I am not ready for politics right now. I politely declined the offer which I got.” The singer has congratulated Prime Minister Narendra Modi after his landslide victory in the Lok Sabha elections. Apart from welcoming him back, he had also sung the verse “Shyam Ke Rogan Rele” for a web series on Modi. Was there an extra pressure on him as the project was based on the Prime Minister? Also Read – ‘Always looking for that one great love’ “No pressure at all. It’s a song like any other song and I give equal importance to all the songs. This was no different,” said the “Kal ho naa ho” hitmaker. Gigs have been keeping him tied up as well. Last month, he went on his 18th US tour. He felt that a lot has changed over time. “With time, you change as a person, a performer, the technology changes, the taste of the audience changes, the preference etc. But one simple thing you have to keep in mind, especially in places like the US and Canada, there is a lot of attention given to the sincerity of the performer,” said Sonu. “In any other country, including India, one can still get away with somewhat average singing packaged with great production. But in America, one has to keep doing his or her best in order to attract the crowds, especially for the 18th time in 24 years. “It helps me give my best and it’s a heart-warming experience to know that I have been doing something good for the past two-and-a-half decades,” added the National Award winner. As an artiste, he has always maintained that he doesn’t work towards a particular thing or task. “In the case of collaborations, my last song ‘Hall of fame’ with Jason Goldstein and MC Yogi released a couple of months ago and there are other talks going on as well. There is a wonderful singer from Poland…probably some collaboration with her too but it’s too early to talk about. This year, I’m mostly busy with concerts,” he said. As for the Indian music industry, he doesn’t believe that “we are lacking in anything. The American music industry is great and so is Indian music industry. Probably, the only thing that I would have appreciated in India would be that radio stations play independent music and not just film music”. He said playback singing is majorly done in India and Pakistan, which he thinks is “great because this is the uniqueness and flavour of the countries. But we must take into account the non-film music and I hope in the years to come, our radio stations understand the value of independent music and we hear it more often on mainstream radio,” he added.last_img read more

Serial killer accused of six murders arrested in Burdwan

first_imgKolkata: An alleged serial killer, who is accused of killing six women in Burdwan by strangulating them to death using an iron chain, was arrested after he was nabbed by civic volunteers on Sunday afternoon.The accused identified as Kamruzzaman Sarkar, a resident of Murshidabad lived at Samudragarh in Burdwan for the past 15 years. He has a wife, two sons and a daughter. A source said he confessed to crime. Though the police did not confirm but it was alleged the women he killed were also sexually abused. Also Read – City bids adieu to Goddess DurgaA source informed that after murdering these women he had sexual intercourse with them and he inserted an iron rod into their vaginas rupturing their private parts. According to police sources, in the past six months, in several areas of Burdwan, women were getting attacked by an unknown person. In every case, the victim lived alone or she was alone at the time of attack. After several women died, pressure on the police kept on mounting as they couldn’t find a single clue to trace the killer. The killer attacked these women from behind and strangled them using an iron chain. The pattern of killing came to light after an elderly woman identified as Sadhana Chatterjee was murdered at Dhatrigram in Kalna. Cops found an iron chain, which was used to kill Chatterjee. But no other evidence was found at that time. The panic over the serial killer kept on growing as several women were being attacked every month. Also Read – Centuries-old Durga Pujas continue to be hit among revellersAccording to the police, 12 women were attacked out of them only six survived. The victims said that a well-dressed middle-aged man approached them posing as some official. Once, he approached a woman to check the electricity meter of her home and in another case, he said he was conducting some survey. The case got further complicated after the accused, due to due to fear of arrest, started hitting the victim’s head using an iron to ensure that she died. Earlier, he killed women by strangulation but later he started hitting on the women’s head using an iron rod after strangling them to death. Senior police officials said portrait parleys were made by every victim who survived. After getting an idea of the physical appearance of the accused, cops managed to get hold of a CCTV camera footage where he was spotted riding a red bike wearing a red helmet. From the footage cops concluded that in each case, the accused did a recce before attacking the victims. Sarkar’s picture where he was riding the bike and his portrait parley were shown to the civic volunteers and village police personnel. On Sunday afternoon, a few civic volunteers were on naka-checking duty at Kakuria village under jurisdiction of Bulbulitala outpost in Kalna. They intercepted a red coloured bike and found all the documents of the biker were in place so he was allowed go. Suddenly, another red coloured bike was seen coming towards the naka checking point. Anirban Ghosh, one of the civic volunteers, asked the biker to stop his vehicle. Seeing the police, the biker tried to escape but fell down after losing balance. Sarkar was identified when civic volunteers forced him to take his helmet off. Kalna police station and senior police officials were immediately informed. “So far we came to know that 12 women were attacked, out of them only six survived. We are trying to find out if he murdered more people. He was produced before the Burdwan Court and has been remanded to 12 days police custody,” said Bhaskar Mukherjee, Superintendent of Police, East Burdwan.last_img read more

Additional exclusion list to draft NRC to be published on Jun 26

first_imgGuwahati: An additional exclusion list to the draft NRC will be published on June 26 containing the names of those who figured in the draft published on July 30, 2018 but were subsequently found ineligible for inclusion.According to an official release on Friday, the list will also include those found ineligible during hearings held for disposal of claims and objections. The persons, who will be excluded, will be informed individually through Letters of Information (LoI) to be delivered at their residential addresses and such persons will have the opportunity to file their claims at the designated NRC Seva Kendras (NSKs) within July 11. Also Read – Cong may promise farm loan waiver in HaryanaTheir claims will be disposed thereafter before publication of the final National Register of Citizens on July 31, the release added. The exclusion list will be published at designated NRC Seva Kendra, at the office of the Deputy Commissioner/SDO (Civil/Circle Officer) where the additional list for the village/wards will be available in a consolidated manner. It will be also available online. Those persons whose draft status will change to exclusion in the additional list will be highlighted there as ‘excluded in additional list’. Also Read – Modi formed OBC commission which earlier govts didn’t do: ShahThose persons already included in Draft NRC published on July 30, 2018 and not getting affected by additional list will continue to be displayed as before. The draft published on July 30 last included the names of 2.9 crore people out of total applications of 3.29 crore, while 40 lakh people have been left out in the draft. In the first draft published on December 31 night contained 1.9 crore names. The NRC in Assam is being updated under the monitoring of the Supreme Court and the final list is scheduled to be released on July 31.last_img read more

Lucy Lawless Slams New Zealand Government Move To Criminalize Protests At Sea

first_imgLucy Lawless has joined a range of well-known New Zealand groups and individuals in slamming the government’s controversial move to criminalize aspects of peaceful protests at sea.In a joint statement, Greenpeace, Rt Hon Geoffrey Palmer QC, Peter Williams QC, WWF, Forest and Bird, Dame Anne Salmond, Rikirangi Gage of Te Whānau-ā-Apanui, Sir Ngatata Love, the New Zealand Council of Trade Unions, George Armstrong (founder of the Peace Squadron), Amnesty International NZ, Lucy Lawless and many others, say that Simon Bridges’ “new law is a sledgehammer designed to attack peaceful protest” and is “being bundled through Parliament without proper scrutiny despite its significant constitutional, democratic and human rights implications.”The amendments to the Crown Minerals Bill, announced by Simon Bridges on Easter Sunday, “breach international law, and attack our democratic freedoms” say the group.New legal advice, also released today, “finds that the proposed amendments to the Crown Minerals (Permitting and Crown Land) Bill would breach international law in a number of respects.”The Crown Minerals Bill, due to be debated in Parliament today, will create new offences against protest activity in the seas around New Zealand, up to 200 miles from shore.Greenpeace Executive Director Bunny McDiarmid called the law, “an affront to New Zealand democracy, and to our long held right and proud tradition of peaceful protest at sea.”“This would affect the very same people who took their boats to seas to confront nuclear ships in our harbors and sailed against French nuclear testing in the Pacific.“The moratoriums on commercial whaling and drift-netting are further historical achievements that were only possible because of the right to sea-borne protest.“The most risky activity in the deep-sea for our economy and way of life is not peaceful protest, it’s deep-sea oil drilling. You’d have to be some kind of knucklehead not to realize that,” said McDiarmid.The new laws are being proposed after the departure of Brazilian oil giant Petrobras. A flotilla of protest vessels including several yachts and Te Whanau a Apanui fishing vessel the San Pietro confronted seismic testing by Petrobras off the East Cape in 2010.The proposals include penalties up to $50,000 for an individual, up to 12 months imprisonment and up to $100,000 for a body corporate, and enable the Navy or a police officer to nominate assistants who can stop and detain a ship entering an exclusion zone, remove a person from an exclusion zone. All these parties carry next to no criminal or civil liabilities for anything that happens as a result.Source:Greenpeacelast_img read more

Attijariwafa bank First Moroccan Company in the Arab World Forbes

Rabat- The ranking of the 500 largest companies in the Arab world in 2015 included 12 Moroccan companies with Attijariwafa bank occupying the 1st place.Attijariwafa bank was designated first Moroccan company in the Arab world, according to the ranking of the 500 largest companies in the Arab world in 2015, conducted by the Middle East edition of Forbes magazine.The ranking, was released last week at a ceremony organized by the magazine in Dubai. According to the MAP, in a statement made by the bank, the ranking was based on the revenue, net profits, assets, and market valuation of the 1,245 most successful publicly traded companies in the Arab world. Attijariwafa bank is also the only Moroccan company among the top 50 largest companies in the Arab world occupying the 23th place in this ranking.Attijariwafa bank was named best bank in Morocco by Global Finance Magazine. read more

Apple unveils smartwatch mobile payment system in biggest expansion since death of

by Michael Liedtke And Anick Jesdanun, The Associated Press Posted Sep 8, 2014 10:17 pm MDT Apple unveils smartwatch, mobile payment system in biggest expansion since death of Steve Jobs CUPERTINO, Calif. – Apple unveiled its long-anticipated smartwatch Tuesday, introducing a device that transplants the features of an iPhone onto a smaller screen that’s never more than an arm’s length away.Dubbed the Apple Watch, the gadget marks the technology trend-setter’s attempt to usher in an era of wearable computing and lift its sales with another revolutionary product.The watch’s debut also heralds a turning point in Tim Cook’s three-year reign as Apple CEO. Although the company has thrived under Cook’s leadership, it had only released upgrades to the iPhone, iPad and other products hatched before his predecessor, Steve Jobs, died in October 2011. The lack of totally new devices raised questions about whether Apple had run out of ideas without the visionary Jobs.Now Apple is betting on a gadget that seems like something James Bond might wear. The Apple Watch’s top-of-the-line edition comes in a casing made of 18-karat gold, with an array of elegant bands available for most models. The watch can serve as a walkie-talkie, a drawing pad, pulse monitor, calorie counter and activity tracker.“It is amazing what you can do from your wrist,” Cook said.Apple is a late arrival to the still-nascent market for wearable technology. Several other companies already sell smartwatches that have been greeted with widespread indifference.But Apple has a reputation for igniting dormant markets. Other music players, smartphones and tablet computers were first to market, but the devices did not enthrall consumers until Apple imbued them with its magic touch.The smartwatch “might not only be a game changer for Apple, but for the entire industry,” says FBR Capital Markets analyst Daniel Ives. “A lot of major technology players around the globe are taking notes on what Apple is trying to do here.”Investors appeared lukewarm about the unveiling. Apple’s stock dipped 37 cents to close at $97.99, but the shares had been surging for months ahead of Tuesday’s show. The stock has gained 22 per cent so far this year and hit an all-time high earlier this month.It will take months to gauge the popularity of the Apple Watch. The $349 device won’t go on sale until early next year.Cook hailed it as the most “personal device we have ever created.”The watch is “the first product we have seen with Tim’s fingerprints all over it,” said Creative Strategies analyst Tim Bajarin, who has been following Apple through most of its 38-year history.The watch will tie into a new payment system designed to enable people to store all their credit card information in a digital locker so merchandise can be bought with a tap on a sensor at a checkout stand or a press of the button.The watch must be used with one of the iPhone models released in the past two years — the 5, 5S, 5C or the latest versions scheduled to go on sale Sept. 19 in the U.S. and nine other countries.Here’s a closer look at what Apple has in store:___LARGER iPHONESThe iPhone 6 will feature a 4.7-inch screen, up from the 4-inch screen on the models released in each of the previous two years. The iPhone 6 Plus will have a 5.5-inch screen and other improvements, including longer battery life, that will cost an additional $100.App developers will have new tools to rearrange their content to take advantage of that larger screen.The new phones are not as big as Samsung’s latest flagship phones — 5.1 inches for the Galaxy S5 and 5.7 inches for the Note 4 — but they will be large enough to neutralize a key advantage Samsung and other Android manufacturers have had.The iPhone 6 will also have a barometer to estimate how much users climb stairs, not just how far they walk or run.Apple is improving a slow-motion video feature by allowing even slower shots on the iPhone 6. The camera will be able to take 240 frames per second, double the rate of last year’s iPhone 5s. Normally, video is at 60 frames per second.Starting prices for the new iPhones will be comparable to those in the past — $199 with a two-year contract for the iPhone 6 with 16 gigabytes of storage.However, the step-up models will have double the memory as before — $299 for 64 gigabytes and $399 for 128 gigabytes. The iPhone 6 Plus phones will cost $100 more at each configuration.___MOBILE PAYMENTSApple is calling its new payment system Apple Pay.Consumers will be able to use their phone cameras to capture a photo of their cards. Apple will verify it behind the scenes and add it to the phone’s Passbook account so people can make payments at a retailer. Apple announced several merchants that will accept this system, including Macy’s, Whole Foods, Walgreens and Disney stores. American Express, Visa and MasterCard all are co-operating with Apple, too, as well as most major banks.For security, the card number is stored only on the device. Each time you pay, a one-time card number is created to make the transaction.___SMARTWATCHCook says Apple had to invent a new interface for the watch because simply shrinking a phone would not work. Much of the interaction will be through the dial on the watch, which Apple calls the digital crown. It’s used to zoom in and out of a map, for instance.Apple worked with app developers to create new functionality. Users will be able to unlock room doors at some Starwood hotels or remind themselves where they parked with a BMW app.The new watch will come in a variety of styles, with a choice of two sizes.___NEW SOFTWAREThough much of the attention has been on new gadgets, the software powering those gadgets is getting its annual refresh. Apple considers iOS 8 to be its biggest update since the introduction of the app store in 2008.Existing iPhone and iPad users will be eligible for the free upgrade, too.Among other things, iOS 8 will let devices work better in sync. For instance, it will be possible to start a message on an iPhone and finish it on an iPad. With an upcoming Mac upgrade called Yosemite, it will be possible to continue working on that same message on a Mac computer. These handoff features will extend to the Apple Watch.The new software will be available to existing users on Sept. 17. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email read more

Man wrapped in over 1000 grams of ganja heading to Mahdia

Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)RelatedBus driver charged for 62 pounds of ganja found in spare wheelsJune 21, 2019In “Court”Man busted with 2kg ganja in bucket – at NAFebruary 28, 2016In “Crime”Businessman busted with 403 grams of marijuana, remanded to prisonJuly 8, 2013In “Crime” Police discovered 1100 grams of marijuana strapped to the man’s bodyMarvin Daniels of Levi Dam Angoy’s Avenue New Amsterdam, Berbice, a 29-year-old unemployed male, was on Thursday afternoon arrested after Police officers discovered 1100 grams of marijuana strapped to his body after they stopped and searched passengers who were in a public minibus destined for Mahdia, Region Eight (Potaro-Siparuni).The drugs were found strapped to Daniels’ bodyThe discovery was made around 17:45hrs when ranks on duty at the Mabura Police Outpost (Check Point) conducted searches on passengers of a route 72 minibus, bearing licence plates BTT 9966.Officers conducted a search on Daniels after he was reportedly seen acting in a suspicious manner and discovered that he had four black plastic bags with leaves, seeds and stems suspected to be cannabis, strapped to both of his legs.This publication was informed that Daniels admitted ownership of the drugs. The suspected cannabis was weighed in his presence and amounted to 1100 grams.He was then placed into custody and is being processed for court. (Michael Younge) read more

Windows 7 and Mac OS X running on Googles Cr48

first_imgLast month, those who signed up for Google’s small Chrome OS pilot program got an early Christmas present when they received a Cr-48. The Cr-48 is a machine specifically manufactured for Google to allow the company to put laptops powered by the Chrome OS into the hands of users to solicit feedback before a more formal push to consumers. The laptop gets its name from the fact that Cr-48 is an isotope of the element chromium which has an obvious connection to the Chrome OS.Being that Google has received 60,000 of these Cr-48’s, potentially all for the pilot, it was a statistical probability that a few of these laptops would land in the hands of geeks who weren’t happy to just keep Chrome OS running on it. Soon after members of the pilot began receiving the Cr-48 someone figured out how to put Ubuntu on it. Now that a few more days have passed we hear reports that someone has figured out how to load Windows 7 and Mac OS X on it as well.While it sounds like loading Ubuntu on your Cr-48 has very little chance of bricking the computer, loading Windows 7 or Mac OS X is much more invasive. Both operating systems will require you to flash the Cr-48 with a stock version of the BIOS. That’s not a procedure for the faint of heart since if done unsuccessfully you’ll be left with a brick. The procedure to load Windows can be found at Something Awful while a demo of the Cr-48 booting Mac OS X can be found below.Read more at Engadget and be sure to check out our hands-on review of the Cr-48.last_img read more

HPs Everybody On Ad During Grammys Not a Hit

first_imgSunday night during the Grammys, HP introduced the world to its riff of Lou Reed’s “Walk on the Wild Side” in it’s new ad. Needless to say, it’s not going to be a hit.HP decided to take the classic song of rebellion and replace the lyrics about cross dressing and sexing and drugging up with lyrics about tweeting, skyping, printing, and fragging. Not surprisingly, the ad didn’t receive many praising comments for the song choice on the HP computers YouTube page. Examples: “worst commercial of all time?” “Way to bastardize an amazing song. Way to turn me off of your products even more.” and “Wow, i actually cringed at this.”Honestly, the ad itself is actually kind of good, but what were they thinking choosing to butcher the lyrics to that song? Plus, they probably had to hand over a pretty heavy chunk of change for the right to it. Way to go, HP. Looks like “Everybody On” turned “Everybody off.” Check out the ad after the jump!last_img read more

Vestergaard hoping for a fresh start under Hasenhuttl

first_imgSouthampton defender Jannik Vestergaard hopes for a clean start under new manager Ralph HasenhuttlThe Denmark international arrived at St Mary’s in the summer from Borussia Monchengladbach on a four-year contract.However, in what is his first spell of football outside of Germany, Vestergaard has only started seven of Southampton’s 15 Premier League matches.But the arrival of former RB Leipzig boss Hasenhuttl has got Vestergaard hopeful of a fresh start at the south coast.“You want to leave an impression and show the best side of yourself,” said Vestergaard, according to Daily Echo.“It’s a new start for everyone. He comes in with an open mind and everyone will start from zero.“I don’t think this is just for me, I think everyone is now at the same level and needs to show themselves.“This isn’t a good situation at the moment and no one is happy, but it is a good opportunity to start over.”Jose Mourinho is sold on Lampard succeeding at Chelsea Tomás Pavel Ibarra Meda – September 14, 2019 Jose Mourinho wanted to give his two cents on Frank Lampard’s odds as the new Chelsea FC manager, he thinks he will succeed.There really…Competing with the likes of Wesley Hoedt, Jack Stephens and Maya Yoshida for a spot in the centre of Southampton’s defence has proved challenging for Vestergaard.“This is a very competitive league and a very competitive team,” Vestergaard added.“We have a lot of good centre-backs who are fighting for two spots and obviously, everyone wants to play every game.“I’m not happy with that, but I know I still have to show who I really am and what I can give to this team.“I’m really just focusing on myself and getting the best of me on the pitch.”Southampton lost 3-1 to Tottenham at Wembley on Wednesday night and remain 18th in the Premier League with just one win in 15 attempts.Hasenhuttl will make his debut in the Southampton dugout away to Cardiff City on Saturday.last_img read more

German woman goes missing in Kerala probe on

first_imgThiruvananthapuam: A German woman, who had come here in March, has gone missing from here, police said Sunday. The foreigner, in her 30s, is identified as Liza, they said. A senior police source told PTI that they received a complaint in this regard last week and an investigation was on. “Police have received a letter from the German Consulate that she is missing. A probe has begun. She came here in March,” sources said. Also Read – National Herald case: Officer bearers of Congress were cheats, Subramanian Swamy tells court Advertise With Us A case was registered and a probe on and further details cannot be divulged at this moment, the source added. The report of the alleged missing of the German woman has come a year after the brutal killing of a 33-year-old woman tourist from Latviya had rocked the state. The Latvian woman had gone missing under mysterious circumstances from nearby Kovalam on March 14 last year. Her highly decomposed and headless body was recovered from a mangrove forest at nearby Thiruvallam on April 21. Two drug peddlers were arrested in this regard later.last_img read more

Ganguly Miandad toppled Virat Kohli creates multiple records with ton in Trinidad

first_imgTwitter/BCCIIt has sort of become a template now. Virat Kohli walks out to bat, takes his time to assess the situation, scores a century while breaking a plethora of records and India registers a comfortable victory.The ordeal was the same in the second ODI at Port of Spain when the captain won the toss and chose to bat first. Shikhar Dhawan departed early and Kohli joined Rohit out in the middle.After scoring 19 runs, Kohli went past Pakistani legend Javed Miandad to become the highest scorer against West Indies. While Miandad took 64 innings to score 1930 runs against Windies, Kohli got past this record in just 34 innings.It is a stunning feat as this record stood untouched for almost 26 years.Went past Sourav GangulyDuring the innings, he also went past former Indian captain Sourav Ganguly to become India’s 2nd highest-run getter in the ODIs. In his 50-over career, Ganguly scored 11,353 runs in 311 ODIs. Kohli, who is only playing his 238th match in the format, crossed the total during the 32nd over when he smashed Jason Holder for a boundary towards third man.He is now only behind Sachin Tendulkar, who finished his career with 18,426 runs in 463 ODIs. Overall, he is 8th in the list of players with most runs in the ODI format.When he was eventually dismissed for 120, it became the highest ODI score by any captain in West Indies. He went past Brian Lara’s 116, which was scored against Sri Lanka at Bridgetown back in 2003.”Feels good to get a hundred when the team wanted me to get one. Shikhar and Rohit didn’t get a big one. One of the top three has always got the big one. A senior man had to step up and today was my opportunity to step up. It was important to string in a lot of dot balls,” Kohli said at the end of the match. Virat KohliGetty ImagesVirat Kohli scored five consecutive half-centuries during the ICC World Cup but the triple-digit figure was eluding him. Fast bowler Bhuvneshwar Kumar too said at the end of the match that Kohli was desperate to score a century.”From Virat’s expression, you can make out that how badly wanted a hundred. It’s not like he was out of form, it was just that he was getting dismissed in the 70s or 80s in the World Cup. The wicket was not easy, when he came back after getting dismissed, he said the wicket is not that easy,” Kumar told reporters after the second ODI.last_img read more

BNP has no way other than street agitation

first_imgLogo of BNPUnhappy with the outcome of the dialogue between its Jatiya Oikay Front and the 14-party ruling alliance, BNP policymakers have made up their mind to launch a ‘non-stop’ street agitation.Together with Oikya Front and partners of the 20-[arty alliance, the main opposition party is set to go for street protest once the schedule for the general elections is announced.Talking to UNB, senior party leaders said they are now almost certain that most of their demands are unlikely to be realised by engaging in further talks with Awami League president, prime minister Sheikh Hasina unless they can exert pressure on the government through a strong and collective showdown on the street.They, however, said a small team of the Jatiya Oikya Front, led by Kamal Hossain, may sit in talks with the prime minister again as their last-ditch effort to find a peaceful solution to the political problem, and realise their major demands for a fair and participatory election.BNP and Oikya Front leaders said they need to participate in the talks further so that the civil society members and diplomats cannot blame them for the failure of the dialogue.They said Kamal Hossain is preparing a new framework on an election-time government dissolving parliament, which he will present before the prime minister in the talks or will send it to her.A BNP standing committee member, whishing anonymity, said they will announce some programmes from their Suhrawardy Udyan rally if the election schedule is announced by the time.He said they will first try to mount pressure on the government by huge showdown with some peaceful programmes like human chain and sit-in, and change their course of action gradually depending on emerging situation and the government’s response.The BNP leader said they will announce the action programmes under the banner of Oikyafront, and the 20-party will simultaneously observe those extending their support.The party has recently held a meeting with its 20-party alliance partners and gave them necessary direction as to how they will act if the election schedule is announced without any understanding with the Oikya Front.A Jamaat-e-Islami leader, seeking anonymity, said they have completed their necessary preparations to wage a strong, but a brief movement.He said they will be there on the streets supporting BNP’s and the 20-praty alliance’s programmes to be declared after the announcement of the election schedule.Two BNP standing committee members said their party’s acting chairman Tarique Rahman phoned some Oikya Front and 20-party leaders, and pro-BNP intellectuals, and most of them suggested him to launch a non-stop peaceful movement.Tarique is also contacting the leaders of BNP’s two Dhaka city units giving them necessary directions to launch a strong movement in the capital and make it a success.Contacted, BNP secretary general Mirza Fakhrul Islam Alamgir said though many things were discussed during the talks, there is no satisfactory outcome. “That’s why we’ve got frustrated over the talks.”Asked whether they will sit with the prime minister again, he said they will decide it after discussions with party and Oikya Front leaders and assessing the government’s attitude.He said the Oikya Front’s movement will continue and they will come up with more programmes in the days to come.Asked if the election schedule is announced before their further talks with the prime minister, Fakhrul said they will intensify their movement and force the government to concede to their demands.BNP standing committee member Gayeshwar Chandra Roy said the results of the talks are almost zero. “Now we’ve no alternative to intensifying our movement to realise our demands.”He said they will give some important messages from Oikya Front’s Tuesday’s rally at Suhrawardy Udyan. “We’ll gradually strengthen our movement to realise our demands “”From our past experience, we can say no problem of the country was resolved through talks.Even, the government didn’t meet the students’ demand for quota reform through talks. They did it only when the students took to the streets. So, we’ve to achieve the success through making sacrifices on the streets,” the BNP leader added.Gayeshwar, who did not join the talks citing his illness, said there is no misunderstanding among the Oikya Front leaders and all are sincerely working from their respective position to ensure a credible election in the country.He said the 20-party alliance partners also may take part in the Oikya Front’s action programmes as they support its seven-point demand.Jukta Front leader and Nagorik Oikya convener Mahmudur Rahman Manna said the dialogue has not been successful as the prime minister indirectly turned down their demands. “She pushed us towards the movement.”He also said the prime minister has made the talks insignificant as she invited her alliance partners also for discussions.Oikya Prokriya leader Sultan Mohammad Mansur Ahmed said their movement will continue till their demands are met. “We’ve no other option now other than settling the political problem on the streets.”last_img read more

Tonia Lee Leads Relaunch of TV25 Baltimore as CharmTV with New Programming

first_imgTonia Lee is a seasoned media executive who holds a multitude of extremely successful ventures in the industry. In her current role, the returned Baltimorean, has taken Baltimore’s TV25 by storm as its new general manager.Lee decided to revamp the public television channel to focus on more than just the average government happenings by re-launching TV25 as CharmTV. As such, the station, which will officially be launched this summer, will seek to tell the true stories of Baltimore and showcase its essence for its viewers. As the visionary behind the station’s re-branding and overhaul of its content offerings, Lee has pulled in new talents including nationally-known producers in addition to new programming.Lee has taken a new approach to public television by re-branding the TV station as a go-to destination for Baltimore citizens to gain access, as well as an inside look into city happenings and government resources in Baltimore.”After arriving at TV25, I made it my mission to identify our core strengths and opportunities as a station, while looking carefully at where the station has been and where it should be going,” said Lee said. “With the new rebrand of the station and fresh content, we are poised for success. Our original productions will appeal to a wide range of viewers and will have the quality and caliber of big network shows that are featured on HGTV, the Travel Channel and Food Network.” Among the new shows to be released are Tasty Travels, Born in Baltimore, My Town, and Out and About. Tasty Travels will focus on Baltimore’s growing food scene, while paying homage to its rich culinary heritage. Born in Baltimore will showcase CEOs and owners of small and large Baltimore-based businesses. Viewers will be invited to take a sneak peek into these companies to hear and see the unique and unusual things that make them successful. My Town will be a show that highlights communities, uncovering the true stories behind Baltimore’s historically-rich neighborhoods. Out and About will uncover every inch of Baltimore, serving-up the latest information about fun and interesting things to see and do in the city.”We are shedding our old look and feel and taking Baltimore by storm with our new brand and shows,” continued Lee. “We are excited about launching this summer and believe that with this new image, vision, talent and leadership, CharmTV will be a sought-after channel that attracts many viewers and new partners who see the value in what we’re all about.”last_img read more

CID busts petroleum product racket 2 held

first_imgKolkata: The West Bengal CID has busted a racket dealing in supply of a low-priced petroleum product from Birpara in Alipurduar district and arrested two persons, a senior officer of the agency said. Acting on a tip-off, a CID team conducted a raid yesterday night at a petrol pump at Birpara in Alipurduar district, while a tanker was unloading an industrial solvent into an underground reservoir, he said.The industrial solvent was procured from Dankuni and supplied to different pumps, according to preliminary investigation, the officer said.During the raid, one tanker with 7,000 litres of the solvent was seized and two persons were arrested in this connection, he added.last_img