Are you smarter about credit than a typical 20-year-old?

first_imgIt’s tempting to write off college students as a financially inept bunch barreling towards a debt sinkhole and with personal bankruptcy on the horizon. Yet the vast majority pay their bills on time and most never spend more than they have, among other positive money behaviors, new research shows.Student loan giant Sallie Mae with research firm Ipsos interviewed college students in December and found that 77% pay their bills in a timely way while 60% always spend within their means and 55% manage to save money every month. Many students want to do even better: 83% say they would like to learn more about specific aspects of money management.These findings soften the common narrative of Millennials—the most educated generation in history—running up debts and living largely oblivious to the damage. That narrative is not without some justification. In surveys, Millennials can’t answer three basic money questions and college freshman get a D in financial literacy. They’ve also racked up $1.4 trillion in student loans. But at least some seem to be paying attention. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Arsenal considering move for £7m-rated FC Basel defender Eray Comert

first_imgComert made 31 appearances for Basel last season (Picture: Getty)Everton were linked with a move for Comert back in January but a deal failed to materialise and Arsenal could look to capitalise by offering him a chance to play in the Premier League.AdvertisementAdvertisementEmery is keen to add a central defender to his ranks and Arsenal are reportedly closing in on the capture of William Saliba from Saint-Etienne in a deal worth €25m.However, the highly-rated 18-year-old may end up staying at Saint-Etienne next season on loan from the Gunners to further his development, meaning Emery could sign another defender.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityArsenal are operating under tight financial restrictions this summer following their failure to finish in the top-four and Comert’s £7m price tag makes him a realistic transfer target.Although he is yet to be capped by Switzerland at senior level, Comert has captained the U21 side and scored twice in six matches.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal Eray Comert established himself as a first-team regular at FC Basel last season (Picture: Getty)Unai Emery is weighing up a move for FC Basel defender Eray Comert as he bids to bolster Arsenal’s defensive options ahead of the new season.According to the Daily Mail, Arsenal are preparing a £7m bid for the 21-year-old and will send representatives to Switzerland for talks with Basel over his availability on Saturday.Comert rose through the youth ranks at Basel before establishing himself as a first-team regular in the 2018-19 season, making 31 appearances for the club in all competitions.A Switzerland U21 international, Comert has also spent time on loan at Basel’s Swiss Super League rivals Lugano and FC Sion over the past few seasons.ADVERTISEMENT Comment Advertisement Arsenal considering move for £7m-rated FC Basel defender Eray Comert Metro Sport ReporterWednesday 26 Jun 2019 1:48 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link338Shares Advertisementlast_img read more

Paul ‘Diddler’ Dillon laid to rest as mourners hear how content he was in family and life

first_img‘THERE was just something about Diddler’.The words of Barry Dillon, as he read a eulogy at the Funeral Mass of his brother Paul ‘Diddler’ Dillon this afternoon rang true for the huge crowd of mourners.The skies darkened over Newtowncunningham, with the sun peeking its rays through, as hundreds turned out to say a final farewell to the east Donegal village’s best-known son. The 45-year-old father-of-three from Ballybegley passed away on Thursday evening after a brave battle with Motor Neurone Disease.He had fought the debilitating illness with such courage and had bore his soul during an interview in the summer when he told of how he was learning ‘to do things differently.”He was the athlete, the butcher, the GAA coach, the anything and everything to those who knew him.“Many said that he was one in a million however we feel that there was no one quite like Diddler,” Barry said. “He got on with everybody no matter what their age.  He was the life and soul of any social gathering.“If Love could have save Paul, he would have lived for ever.”Staff from Kernan’s Eurospar, where Paul worked, formed a guard of honour, while members of Lifford-Strabane, Inishowen, Letterkenny and Foyle Valley athletic clubs did likewise on the approach to the Church. Paul’s remains were carried through a guard of honour formed by Naomh Colmcille GAA club on the way into the Church.Paul “Didler” Dillon. (North West Newspix)A butcher in Kernan’s, Paul was the bubbly figure whose infectious smile and sometimes mischievous persona made him a popular figure with the scores of customers and the staff with whom he shared a bond that went far beyond the counter.Predeceased last October by his mother, Deirdre, a little under a year ago, Paul is survived by wife Emma, his daughters Lilly-Ella, Heidi and Daisy, his father Tommy, his brothers Gerard, Barry and Raymond, his sisters Caroline and Ciara. Barry remembered in the eulogy: “Diddler was so content with his family and loved his life. He didn’t want for anything else, in his eyes he had it all.”Hundreds – 1,200 in fact – had lined the same streets of the village just over seven months ago.The ‘Dash for Diddler’ drew unprecedented crowds in February to raise funds ad part of a fundraising drive undertaken by a local committee spearheaded by Councillor Paul Canning.Back then, the beads of sweat dripped down the reddened cheeks after the run through the quick course. Paul Dillon after completing a Waterside Half Marathon.Today, many of the same people wiped their cheeks again, this time clearing the tears that trickled at the thought of a much-loved man taken much too soon and much too young.Paul was an athlete with Lifford-Strabane AC who ran all distances from 5k locally to marathons.His last race was the North-West 10k in May, 2018.Earlier today, he was remembered by participants at the Donegal East Half Marathon with Lifford-Strabane AC members running the course a little earlier than the scheduled time in order to be on time to pay their respects.Just four weeks ago today, a team of 15 of his friends and family took turns to push Paul, who had used a wheelchair in recent months, around the 13.1-mile course of the Waterside Half Marathon – a venture that helped raise in excess of €8,000.Paul Dillon was a familiar face at the front of the field at athletics events across the North West.Today, some of them carried their brother, friend and colleague to his final place of rest as You’ll Never Walk Alone – the anthem of his beloved Liverpool – rang out.The Church of All Saints was packed to overflowing and the throngs of people who gathered outside was an illustration of the impact, imprint and legacy Paul Dillon has left behind him.Truly, there was ‘just something about Diddler’.Paul ‘Diddler’ Dillon laid to rest as mourners hear how content he was in family and life was last modified: October 1st, 2019 by Chris McNultyShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:diddlerFr Ciaran HarkinMNDMotor Neurone DiseaseNewtowncunninghampaul ‘diddler’ dillonPaul Dillonlast_img read more

Monday’s QPR quiz

first_imgTest your knowledge by seeing how many of these five QPR-related questions you can answer correctly.[wp-simple-survey-102] 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 Follow West London Sport on TwitterFind us on Facebooklast_img read more

Athletics outslug Rangers in Khris Davis multi-homer game

first_imgARLINGTON — The A’s beat the Rangers, 14-9, on Friday at Globe Life Park. They lead the Tampa Bay Rays in the wild card by one game, temporarily.Chris Bassitt’s stuff wasn’t hitting it’s typically sweet notes and spots. He allowed a season-high six runs on two three-run home runs by Danny Santana and Sin-Soo Choo. Sheldon Neuse, in for Matt Chapman at third, made an error on a potential double play that busied the bases for Santana’s home run.But the A’s offense had an answer for it all. …last_img read more

Watch for Falling Ants

first_imgDid you know some ants are gliders?  When Stephen Yanoviak (U. of Texas) was studying insects in the rain forest canopy in Peru, he was struck by the fact that ants kept landing on his arm.  This launched his team’s investigation into gliding ants.  They took video cameras into the jungle and documented their unique mode of locomotion.  They found that the bugs could rotate around and change direction in midair, even when falling like a rock.  Most of the time (about 85%) the ants landed back on the tree trunk, able to crawl back up to home.  They published their work on “directed aerial descent” in Nature,1 unsure whether the ants were escaping predators or just having fun.    “This is the first study to document the mechanics and ecological relevance of this form of locomotion in the Earth’s most diverse lineage, the insects,” they wrote.  A press release on UC Berkeley News tells more about the study, with photographs of the ants and interviews with the research team.  How the ants turn around in midair and control their landings is still unknown, but like many insects, they have sticky feet that enable them to cling to many surfaces.  “It’s an amazing discovery,” said Robert Dudley of the team.  So ants join certain species of squirrels, lizards, frogs and even some snakes (and humans) as gliding champions – this time, in the ultralight class.1Yanoviak, Dudley and Kaspari, “Directed aerial descent in canopy ants,” Nature 433, 624 – 626 (10 February 2005); doi:10.1038/nature03254.It seems unlikely that ants would lose their wings through evolution, then re-evolve this behavior as a poor substitute.  Surely the power of natural selection would have favored wings evolving again to let the ants fly back home rather than forcing them to walk straight up against gravity.  Why select lucky mutations for controlled descent when wings were so easy to evolve?  It must have been a piece of cake if they showed up in reptiles, mammals, birds and insects.  Didn’t these ants have Haeckel’s recapitulation memory for how to evolve wings all over again?  After all, walking sticks did, we are told (see 05/28/2003 entry).  “Ah,” young disciples,” Exalted Master Charlie gently scolds, “One must not presume on the path Mother Nature will take.  A bumbling tinkerer is She.”  So in her toyshop, she apparently forgot how to produce rubber-band airplanes, and decided to make miniature Buzz Lightyears, who mastered the art of “falling with style.”(Visited 8 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

US honour for South African scientist

first_img19 May 2014South African Bob Scholes, a systems ecologist well known for his contributions in the fields of global change, ecology and earth observation, has been elected as a foreign associate of the US National Academy of Sciences, an honour bestowed on the world’s best scientists as chosen by their peers.With this achievement, Scholes – a researcher with the Council for Scientific and Industrial Research (CSIR) – joins the ranks of a small number of elite South African scientists, among them the late Phillip Tobias, a renowned paleoanthropologist best known for his work at South African hominid fossil sites.According to Thompson ISI, who maintain databases on scientific publications worldwide, Scholes is among the top 1% of environmental scientists worldwide based on citation frequency, publishing widely in his chosen fields. He has a particular interest in the savannas of Africa and has over 30 years of field experience in many parts of Africa and the rest of the world.The National Academy of Sciences is an independent, non-profit society, established by an Act of the US Congress in 1863. Regarded as one of the top scientific academies in the world, it now has 2 214 members and 444 foreign associates. Foreign associates are non-voting members of the Academy.Its task is to provide independent, objective advice to the US government on matters related to science, engineering and medicine. Nearly 500 of its members have won Nobel Prizes.Only 21 foreign associates are elected annually, and there is no membership application process. Only Academy members may submit formal nominations of their peers. This is then followed by an extensive vetting process that results in a final ballot at the Academy’s annual meetings in April every year.According to the Academy, members are elected in recognition of their distinguished and continuing achievements in original research. Election to the Academy is regarded as one of the highest honours that a scientist can receive.“I am blown away and I am humbled,” Scholes said in a statement issued by the CSIR last week. “It puts me in the company of internationally respected colleagues. It is a huge honour, both for myself and for South Africa. I hope to spread the benefits by helping the South African Academy of Science, of which I am also a member, to reach its full potential,” he added.Science and Technology Minister Derek Hanekom congratulated Scholes on his election, saying it was a great honour for South Africa “because it recognises the excellent work of South African researchers and scientists and their contribution to the global body of knowledge and addressing some of the global environmental challenges.“Scholes’ elevation and appointment to this prestigious position will serve to inspire other South African researchers to reach the same level, and encourage young and aspiring scientists to work harder and learners to consider careers in science.”A National Research Foundation A-rated scientist, Scholes is a Fellow of the CSIR, Fellow of the Royal Society of South Africa, member of the South African Academy, and honorary professor at the University of the Witwatersrand.According to the CSIR, Scholes has been a leader in several high-profile studies, including the Assessment of Elephant Management and the Commission on Sustainable Agriculture and Climate Change. He has also led research campaigns such as Safari 2000 and the Southern African Millennium Assessment.He has been a member of the steering committee of several global earth observation bodies, as well as several International Council of Scientific Unions (ICSU) research programmes. He served as coordinating or lead author for the Intergovernmental Panel on Climate Change during the 3rd, 4th and 5th assessments, and was co-chair of the Conditions Working Group of the Millennium Ecosystem Assessment.SAinfo reporterlast_img read more

Issues and Interventions: New Research

first_imgBy Caitlin Hunter and Heidi Radunovich, PhDMcCoy, T. (2015). Issues & Interventions: New Research.In a special issue of Professional Psychology: Research and Practice, the focus is on presenting relevant information to health and mental health care professionals, first responders, educators, law enforcement officers, and any other professional who might interact with military service members, veterans, or their families [1]. The pages of this issue are teeming with information which can be useful in a variety of contexts. But overall, the research presented can help professionals of all disciplines become acquainted with the unique challenges and issues faced by military personnel, veterans, and their families and friends, as well as the various interventions and programming which is proving useful for others. The following is a synopsis of this special issue, based on an introductory article by Chan (2014).The first section of this special issue focuses on challenges to providing care for military veterans. Topics of interest in this section are: training military service members and their families post-deployment; post-deployment difficulties and barriers to seeking help; common struggles during the transition from military to civilian culture; Moving Forward, an innovative social problem-solving program used by the VA; and veteran-specific jail diversion programs. The focus of the second section is the concept of working with gender-sensitive issues, as well as sexual-gender minority veterans, or veterans who identify as lesbian, gay, bisexual, and transgender (LGBT). This section contains research on barriers to LGBT veterans receiving care at the VA as well as exploring the ways mental health care professionals can engage more male veterans in counseling services for an extended period of time. The third section explores the effects of deployment and reintegration on children and spouses. The information in this section covers: the effect of deployment separation on parenting and children’s emotional, behavioral, and health outcomes; factors which contribute to positive family adjustment during deployment; and coping with attachment stressors. The fourth section rounds off the special issue by discussing the experiences and treatment needs of children, adolescents, and spouses of military personnel. The articles in this section discuss: ways to treat the partners of military personnel who suffer from PTSD; factors that increase resiliency in military families during all stages of the deployment cycle; strategies for building attachment in military families; and reasons why adolescents in military families do not attempt to make use of mental health services. This special issue will be helpful to anyone who works or interacts with military service members, veterans, or their families. This research is likely to be very useful in understanding the best ways to help military families, and the best directions to move in for future research. References[1] Chan, C. S. (2014). Introduction to the special section: Research on psychological issues and interventions for military personnel, veterans, and their families. Professional Psychology: Research and Practice, 45(6), 395. doi: http://dx.doi.org/10.1037/a0038496This post was written by Caitlin Hunter  & Heidi Radunovich, PhD, members of the MFLN Family Development (FD) team which aims to support the development of professionals working with military families. Find out more about the Military Families Learning Network FD concentration on our website, on Facebook, on Twitter, YouTube, and on LinkedIn.last_img read more

Rodrigo strikes as Atletico held by Valencia in La Liga opener

first_imgMadrid, Aug 21 (AFP) Atletico Madrid failed to get their La Liga title bid off to a winning start, as Rodrigo earned Valencia a 1-1 draw at the Mestalla Stadium. Angel Correa gave Diego Simeone’s visitors a 26th-minute lead yesterday, but Rodrigo struck in the second half for the home team and last season’s runners-up Atletico failed to find a winner. There are high hopes at the Wanda Metropolitano that Atletico can muster a serious title challenge, after keeping their key players in the close season and claiming an impressive extra-time win over city rivals Real Madrid in the UEFA Super Cup last week. But they were given a tough test to start the campaign at a strong Valencia outfit who will be playing in the Champions League this season for the first time since 2015 after finishing fourth. “It’s a shame because we wanted to bring the win home and we didn’t manage it,” the 23-year-old Correa, who also scored in Atletico’s opening league game 12 months ago against Girona, told BeIN Sports Spain. “The effort we put in for the Super Cup isn’t an excuse for us, we know how to repeat that kind of effort. There is a long way to go before talking about it (the title), we must continue to work.” Simeone gave a La Liga debut to Thomas Lemar, who joined from Monaco for 72 million euros ($84 million) in July, but the French World Cup winner struggled to make an impression and was hauled off in the 63rd minute.advertisement Atletico moved ahead midway through the first period with a wonderfully-crafted goal. Antoine Griezmann showed great skill to cut inside and slip a defence-splitting reverse pass to Correa, which Argentinian winger collected in his stride before firing low past home goalkeeper Neto. Saul Niguez wasted an excellent chance to make it two shortly after half-time when he shot wide, and in the 56th minute when Rodrigo lashed home right-footed after controlling Daniel Wass’s looping header on his chest. The 27-year-old scored 19 goals for Valencia last season to earn a Spain call-up for the World Cup and his club will need him to continue that form after sending Italian striker Simone Zaza on loan to Torino. Valencia had opportunities to snatch all three points, but the closest they came to a second goal was when former Arsenal centre-back Gabriel’s header hit the post with 23 minutes remaining. “We proved that we’re at a very high level against a great opponent and even if there is still some way to go, that’s what we’ll need this season,” said Rodrigo. Later on Monday, Iker Muniain scored in the third minute of injury time to give Athletic Bilbao a 2-1 win over Leganes at the San Mames, after Jonathan Silva had equalised for the visitors following Peru Nolaskoain’s 27th-minute opener. Reigning champions Barcelona got their title defence off to a strong start with a 3-0 win over Alaves on Saturday, before Gareth Bale scored as Champions League holders Real Madrid beat Getafe 2-0 on Sunday. (AFP) ATKATKlast_img read more