Just doing his job

first_imgLos Angeles County Fire Department Capt. Gary Bronner said Lyons, 29, is alive because of Sandoval’s help. “Even to the bigger point, he probably would have died if we hadn’t gotten to him before the next minute – that’s how close it was,” Bronner said. Sandoval, 39, went inside the apartment after Glendora police Officer Mike Skibar went in but could not see more than three feet inside because of “intense” smoke and exited the building, Schmidt said. Bronner said Sandoval put on his breathing apparatus, and Glendora fire engineer Ed Vasquez gave him a 300-foot hose line for safety. “I was feeling around and I felt his left foot,” Sandoval said. “I grabbed both feet and dragged him out.” GLENDORA – Firefighter/paramedic Fred Sandoval estimates he took three minutes to save Bryce Lyons’ life. He also insists any one of his fire crew members could have rescued the Glendora man – who was certain to die from smoke inhalation – inside of a fire-filled apartment building. But May 7, Sandoval was the one who went inside the apartment at about 6:40 p.m. in the 500 block of Parker Drive. “Anyone of them would have done it – it was just Fred’s turn to go in,” said John Schmidt, emergency services manager for Glendora. Fireman Dominic Viramontes and firefighter/paramedic Pat Dunham from Engine 32 in Azusa helped pull him away, Sandoval said. Sean Cusack and George Gonzalez from Sandoval’s Engine 151 helped to resuscitate Lyons, Sandoval said. The cause of the fire is under investigation. Sandoval has worked for the Los Angeles County Fire Department since 1990 as a fire suppression aide, and was hired as a firefighter in 1992. He was also an ambulance driver. He has been at his current Glendora station for 11 years. Bronner said it was a team effort in saving Lyons. “I have an excellent crew,” he said. “It doesn’t surprise me my crew made the right decision to make a difference.” Schmidt believes Sandoval made the difference. “If Fred was on the hero list, I’d vote for him.” [email protected] (909) 483-9378160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

FIRE CREWS TACKLE ANOTHER GORSE BLAZE

first_imgFIRE crews and local people have tackled another gorse blaze on Saturday.The fire broke out around 6pm near Creeslough.It was later brought under control. Fire officers and council officials have warned again about the dangers of fires during the current hot spell.FIRE CREWS TACKLE ANOTHER GORSE BLAZE was last modified: June 8th, 2013 by BrendaShare 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:FIRE CREWS TACKLE ANOTHER GORSE BLAZElast_img read more

Africa calls for ‘climate-smart’ agriculture

first_img8 December 2011Climate-smart agriculture offers a “triple win” for food security, adaptation, and mitigation, South African President Jacob Zuma and former UN Secretary-General Kofi Annan said on the sidelines of COP 17 in Durban on Wednesday.Zuma and Annan were addressed a side-event for early action on climate-smart agriculture, an initiative driven by the African Union and the New Partnership for Africa’s Development (Nepad).Huge potential in agricultureClimate-smart agriculture is being touted for all of Africa to deal with climate change impacts that have been taking a toll on food production and security.“Climate-smart agriculture seeks to enhance agricultural productivity by improving on resilience,” Zuma said, adding: “Farmers should be at the centre of this transformation of the agriculture sector.”Research shows that agriculture has a huge potential to cost-effectively reduce greenhouse gases through changes in agricultural technologies and management practices, particularly in developed countries.Climate-smart agriculture includes proven practical techniques including mulching, intercropping, conservation agriculture, crop rotation, integrated crop-livestock management, agro-forestry, improved grazing and improved water management.With nine-billion people expected to inhabit the world by 2050, food production in Africa alone must be tripled, according to experts.“Climate changes create risks and uncertainty with potentially serious downsides. Without strong adaptation measures, climate change could reduce food crop production by 10 to 20% by the 2050s, with more severe losses in Africa,” Zuma said.Collaborative effort requiredAnnan, who is chairman of the Alliance for a Green Revolution in Africa, said Africa had to grow food to meet its own needs and also be able to export any surplus. He said this would require a collaborative effort from farmers, businesses, government and scientists.“We need the creativity, leadership, resources, expertise and solidarity of every organisation and individual if we are to find solutions to this common challenge,” Annan said.“We all have a part to play as well in ensuring our leaders do not shy away from the hard decisions necessary to ensure the world we pass on to future generations is a stable, secure and healthy one.”Zuma also took the opportunity to ask governments to consider promoting organic farming systems.“Organic agriculture has a smaller footprint on the natural resource base and the health of agricultural workers than conventional agriculture … food security, poverty and climate change are closely linked and should not be considered separately,” Zuma said.Boosting agricultural production“As climate change increases its impact on agriculture, we strongly support African leaders in their efforts to boost action that will help feed Africa and the world,” said World Bank MD Sri Mulyani Indrawati.“This is about working together … we need strong, continuous and collective action to boost agricultural production and productivity and to improve distribution networks, so people have food security,” Indrawati said.Zuma and Annan both said there had to be a link between climate change, food security and poverty.“We need to engage on emerging issues including finance and technological support and approaches such as climate-smart agriculture that are geared towards addressing food security, adaptation and mitigation,” Zuma said.He added that investments in agriculture development and incentives provided to local farmers had to be complemented by macro-economic policies to ensure sustainability.Source: BuaNewslast_img read more

Good things to know about WEF Africa host Rwanda

first_img11 May 2016Kigali, Rwanda hosts the 26th World Economic Forum on Africa from 11 to 13 May 2016. The country is in the midst of an economic and social renaissance following over two decades of turmoil and uncertainty, building itself into one of Africa’s prominent emerging nations.Here is a list of things about Rwanda and its people you might not know to help you understand how the country has grown in the last twenty years.Gorillas and tourismDespite initial concerns from environmentalists, Rwanda has shown that one of its most popular tourist attractions, the mountain gorilla and other primate species are fully protected and treated with respect from locals and tourists.While prices to visit gorilla sanctuaries are considered steep, even for tourists, the majority of funds is put back into conservation projects which concentrates on increasing the numbers of endangered species. It also contributes to improving the lives of communities serving the sanctuaries. Conservation education is a high priority for the country resulting in a significant drop in gorilla poaching over the last ten years.In addition to gorillas, Rwanda boasts a rich biodiversity that includes protected rain forest and mountain areas containing a variety of primate species, plant types, mammal and reptile wildlife. It is all protected and promoted over and above global conservation standards.Bisoke Volcanoe, at the Volcanoes NP – Rwanda-, home of mountain gorillas @SavingGorillas @CASHP_GWU @GWMcFarlinLab pic.twitter.com/wGnHypT0Un— Jordi Galbany (@jordigalbany) September 30, 2015Coffee and economicsRwanda is the most densely populated country in Africa, with 80% of the population involved in agriculture, primarily subsistence farming. The country’s chief export is award-winning coffee and tea. Starbucks Coffee is one of the largest importers of Rwandan coffee products, emphasising support for smaller coffee growers.The country is heavily invested in microfinancing, economically developing small enterprise and encouraging entrepreneurship, particularly in rural areas. The focus of these cover a wide range of industries, including construction, transport, trade and services, production and processing of agricultural products.According to the World Bank, between 2001 and 2015, Rwanda posted an average annual growth of real GDP of 8%. This was driven mainly by the higher productivity in the agricultural and industrial sectors. The World Bank’s annual Doing Business 2016 survey selected Rwanda as the second easiest country in Sub-Saharan Africa to do business with.In the post-genocide period, Rwanda received 100% foreign aid. In 2011, that number decreased to 40%.According to the most recent McKinsey 7 Company’s report, Lions on the Move: The Progress and Potential of African Economies, Rwanda is ranked 6th on the continent.Three award-winning coffees from Rwanda showcase diverse flavors https://t.co/tVQLjDkeOq @SBUXRoastery @1912Pike pic.twitter.com/wHVye9Jihw— Starbucks_Eagan_Mall (@Starbucks_20688) April 22, 2016No plastic bagsLittering and dumping in Kigali is illegal so it has unofficially become one of the cleanest cities in the world. On the last Saturday of the month citizens between 18 to 65 years old gather for compulsory community service called umuganda meaning “coming together in common purpose to achieve an outcome” – to clean up litter.In 2008, the country implemented a nationwide ban on plastic bags, including removing bags brought in by tourists.Rwanda banned plastic bags years ago when other countries impose taxes on plastic bags.If they can do it so can we. pic.twitter.com/lVS4Sd40rq— Faye Peters (@fayepeters) March 31, 2016Building new generations, building a futureAccording to stats from the World Health Organisation and the country’s ministry of health, Rwanda has seen a dramatic drop in infant mortality rates over the last ten years, dropping from 152 to 76 deaths per thousand.Participation in secondary schooling has doubled since 2006, and the enrolment rate in primary education has far exceeded the set Millennium Development Goal (MDC) target of 91%.Approximately 90.6% of Rwandans are enrolled in a community-based national health insurance system called Mutuelle de Sante. Begun in 1999, the system is arranged according to household allowance so people pay what they can afford. The system is installed in all hospitals and rural clinics. Life expectancy has doubled since the late 1990s to 63 years, according to the World Bank.The country has invested in world-class road infrastructure, including a safe, reliable transport system serving as a link between its cities and rural areas.Rwanda is a leading African digital nation, with free Wi-Fi available to all on public buses, in hospitals, taxi parks, commercial buildings and restaurants, and 95% of the population have 4G access.Rwanda is ranked as the fifth safest country in the world, according to the Gallup Global Law and Order 2015 Report, after Singapore, Hong Kong, Norway and Spain.The Rwandan parliament includes the highest percentage of female ministers in the world -63.8%.According to the 2015 Ibrahim index of African Governance, Rwanda has displayed consistent overall governance improvements since 2000. It is ranked number one in Africa for Gender Equality and one of the top five most improved countries since 2000.Gallup Global Report 2015 ranks #Rwanda as the safest place to walk at night in #Africa & 5th globally. #WEFAfrica pic.twitter.com/GbKZJtMG7T— Government of Rwanda (@RwandaGov) April 25, 2016Source: AFKInsiderlast_img read more

Chain Headpiece Vintage 1920s Flapper Great Gatsby Headband Diamante R80 *EXCLUSIVELY SOLD BY STARCROSSED BEAUTY* : Great fit on my head

first_imgAs envisioned arrived on time.Silver Chain Headpiece Vintage 1920s Flapper Great Gatsby Headband Diamante R80 *EXCLUSIVELY SOLD BY STARCROSSED BEAUTY*Beautiful vintage style headband!This headband is stunning and perfect for adding vintage style glamour to your hair. Featuring rhinestones/diamantes in a vintage style design on a silver tone elasticated diamante/rhinestone headband with cascading silver tone chains. Elasticated to fit.The beaded section measures 3cm wide, on a 0.3cm wide headband. This is also available on an metal headband in our shop and also on a hair comb.Many more items like this are available in our shop!We post out every day and also offer expedited shipping for only £1.00, and our prices also include FREE UK DELIVERY. If you live out side of the UK we offer a flat rate shipping cost of £9.99 no matter how many items you buy, this also includes a tracking number.Definitely nice and not too restricted that blocks your head circulation.Attractive, quick postage great selling price.Arrived damaged – however – for a little bit of dress up was an okay merchandise, just not very well created.Silver Chain Headpiece Vintage 1920s Flapper Great Gatsby Headband Diamante R80 *EXCLUSIVELY SOLD BY STARCROSSED BEAUTY* : At the end of the night, took it off, red line across my forehead which doesn’t hurt but funny because didn’t noticed all night that i was wearing it. Can’t wait to wear it again to the next gatsby party.last_img read more

Job-Site Recycling: PVC

first_imgRecycling in the fieldMore challenging than gathering post-industrial scrap is collecting and processing post-consumer vinyl — the pipe, siding, floor tile, and other materials that have seen the end of their service life, as well as the cut-offs and other scraps generated during construction.Overall, the VI says between 2 billion and 2.5 billion pounds of end-of-life vinyl products are landfilled annually (the EPA’s estimate is slightly higher).While PVC is theoretically pretty simple to recycle, there can be several practical difficulties.One is the additives that are blended with PVC when building products are originally made. Those may include colorants, plasticizers, and heat and UV stabilizers, which are used to make the resin suitable for specific uses. Manufacturers use exact formulations to give PVC certain properties; a good mix for vinyl siding isn’t necessarily the best for vinyl flooring tiles or vinyl window frames. The blend is easy to control when the manufacturer uses virgin materials, but more complicated when the recycled waste stream includes a number of different kinds of PVC products, each made a little differently.Manufacturers have to take the particular chemistry of recycled PVC and weigh it against the requirements for new products. “I wouldn’t say it’s problematic,” Mulvaney says. “I’d say it’s a consideration that has to be taken into account when you’re formulating the new product.”Although it seems counterintuitive in light of how much PVC is produced, inadequate supply is another potential problem for manufacturers who want to use recycled resin.In order to make post-consumer recycling successful, manufacturers need a steady, reliable source of material, and both Mulvaney and Yoder say the material’s durability is one reason the rate of post-consumer recycling has been low.“First of all,” says Mulvaney, “the durable nature of PVC products affects the supply of post-consumer PVC material. PVC pipe goes into the ground conceivably for 100 years. When you side your house, most manufacturers warranty their product for 25 years and up, so the material stays in use for a much longer period than other materials. The post-consumer side of things is, in fact, generally pretty low because of that.”And this from Yoder: “Recycling vinyl siding from homes and commercial establishments has been difficult because of the challenge of obtaining large, consistent supplies of this material … As with any recycled product, recycling only succeeds when there is enough scrap to economically recycle.”Finally, there is the problem of contamination. PVC building products collected in demolition and remodels may contain nails, flashing, wood, and other debris that must be removed before the resin can be reused.The Healthy Building Network, an organization that promotes the use of non-toxic, non-polluting materials, says on its website, “Large-scale post-consumer recycling [is] nearly impossible for most products and interfere[s] with the recycling of other plastics.”“The Association of Post Consumer Plastic Recyclers declared efforts to recycle PVC a failure and labeled it a contaminant in 1998,” the website states.When I called the Association, however, a spokesman said he had never heard of the report, and calls to the Healthy Building Network went unanswered. So the source and context of the claim is unknown. Few building materials have caused more of a ruckus than polyvinyl chloride.PVC is a light, durable and versatile plastic. Formed into a variety of building materials, it requires virtually no maintenance, and it never needs painting. These attributes make it seemingly ideal for door and window frames, pipe, floor tile, wall coverings, siding, and many other products.Its positive attributes aside, a number of health and environmental activists wish it had never been invented. Some are pressing for a total ban on production and the substitution of other building products for those now commonly made from PVC.Whatever side of the divide you land on, there’s no debating the fact that manufacturers turn out a great deal of PVC. More than 19 billion pounds are produced each year in North America, 76% of which goes into construction materials. Siding and soffits alone added up to nearly 2 billion sq. ft. in 2010.Because PVC is a thermoplastic, it can be melted down and reused. The Vinyl Institute, an industry trade group, says more than 1 billion pounds of vinyl were recovered and recycled in North America in 1997. RELATED ARTICLES Looking to EuropeIf post-consumer recycling is still in its infancy in the U.S., Europe seems to have jumped on the problem, first with the industry’s Vinyl 2010 project and now with its successor, VinylPlus.Vinyl 2010 was a 10-year voluntary program that sought to create an infrastructure capable of collecting and recycling more than 250,000 tons of post-consumer PVC a year. Other goals included the “responsible use” of PVC additives, a phase-out of lead-based stabilizers, and development of recycling technologies, such as Vinyloop, that produced high-quality recycled resin.VinylPlus has a number of objectives. Among them: to recycle 800,000 tons of PVC per year by 2020; develop new technologies to handle PVC products that are inherently difficult to recycle; replace lead-based additives in all 27 EU countries by the end of 2015; and to reduce energy consumption by resin producers by 20%. Recycling in the factory“Today’s vinyl production is essentially closed, automated and high tech, and nearly all waste is recycled back into the system,” The Vinyl Institute says.The Vinyl Siding Institute tells a similar story. “Vinyl siding is manufactured using an extremely efficient process with virtually no waste,” says Kelley Yoder, director of communications for the marketing and public relations firm representing the industry.“The trimmings, shavings, color changes, and rejected parts that result during the manufacturing process are simply ground up and used again to make new siding,” Yoder says. “This contributes to the resource efficiency of manufacturing this product.”“The chemistry of the material lends itself very favorably to [post-industrial] recycling,” Kevin Mulvaney, vice president of marketing and communications for The Vinyl Institute, said in an interview. “And yes, the post-industrial piece of our recycling equation is in fact very strong.”The Vinyl Institute estimates that as little as 1% of post-industrial scrap ends up in landfills. Finding a recycler near youThe U.S. vinyl and recycling industries don’t have anything this ambitious.Neither the Construction Materials Recycling Association nor the Association of Postconsumer Plastic Recyclers has any programs specifically aimed at reusing PVC.However, The Vinyl Institute does provide two sources of information. Its Vinyl Recycling Directory is a searchable data base of companies that accept vinyl for processing. Plug in your state and the type of plastic you want to unload, and the database produces the names of companies that meet the criteria.In addition, there’s a directory of manufacturers that use recycled vinyl to make new products.In the meantime, waste continues to accumulate. If the industry is producing 14 billion pounds of PVC construction materials per year, and recycling and reusing 1 billion pounds, more than 13 billion pounds of PVC construction materials enter the marketplace annually. At some point, these goods will wear out or wind up as demolition debris.Greenpeace, a strident PVC critic, estimates the accumulation of “long-life” PVC goods at roughly 75 million tons in the U.S. and more than 250 million tons worldwide. All of these goods, the environmental group says, will enter society as waste over the next three to four decades. Recycling can workIn a blog earlier this year, GBA technical director Peter Yost wrote about his experience with a vinyl siding recycling project in Michigan in the late 1990s. Installers returned cut-offs to the retailer where they purchased the material. When a 20-ton load had been collected and baled, a plastics broker sold it.Yost said in his blog that Eikenhout Inc., the distributor taking part in the 1998 program, was still accepting siding cut-offs. In fact, Eikenhout is one of several firms mentioned by the Vinyl Siding Institute as PVC recyclers that accept both cut-offs and old vinyl siding from remodeling projects. Manufacturers have partnered with a number of recyclers to use post-consumer PVC products to make new building materials, the VSI says.Among them is CertainTeed, which announced in January 2010 that its CedarBoards vinyl clapboard siding contained 60% recycled material. That included scraps from job sites, vinyl siding distributors, and other post-consumer sources. Charlotte Pipe and Foundry Co. now makes a co-extruded pipe called RePVC whose center layer is 100% recycled material. Virgin PVC is used for inner and outer layers.The industry does not have precise estimates of how widespread the practice is, but it can point to a number of specific initiatives. Some of them date back to the early 1990s. They include:The conversion of 19 million pounds a year of post-consumer vinyl composition tile into new tile at a Mannington facility in New Jersey. The new, premium-grade tile contains 25% recycled content.A recycling effort in Massachusetts that diverted 4 million pounds of vinyl roofing membrane from state landfills.A program by LSI Wallcovering in Louisville, Kentucky, that became the first in North America to collect old wall coverings and recycle them into new product, what the Vinyl Institute calls closing “the recycling loop.”The development of Eco-Grip non-slip vinyl flooring by Allied Companies of Jonesville, S.C., that incorporates recycled, flexible PVC.At least part of the incentive comes from green rating systems, such as LEED for Homes or the National Green Building Standard, which award points for materials containing recycled content.“There’s a great deal of incentive if you look at the green building movement for recycled content being part of a multi-attribute approach to how you look at material selection,” Mulvaney says. “The marketplace has of course created demand, and we see that on the rise.” GBA Encyclopedia: Job-Site RecyclingRecycling Vinyl SidingJob-Site Recycling: Asphalt Roofing ShinglesAsphalt Shingle Recycling LocatorJob-Site Recycling: Gypsum WallboardSaving Energy by RecyclingCarpet RecyclingVideo: Grinding Drywall and WoodVinyl Windows and Vinyl SidingMost of that was in the form of post-industrial scrap, material that never made it into finished goods.Post-consumer PVC is another story. According to the Vinyl Institute, between 50 million and 100 million pounds of post-consumer PVC are recycled annually. Assuming those estimates are correct, post-consumer PVC represents 5% to 10% of the total amount the industry recycles and about one-third of 1% of the annual production of PVC building materials.last_img read more

Money and Marriage

first_imgBy Carol ChurchWhen two people walk down the aisle with stars in their eyes, we hope that fights and arguments are the farthest thing from their minds. But of course, for all couples, some conflict is inevitable.Did you know that financial issues are one of the top problem areas in marriage? According to research, money is one of the most frequent causes of marital arguments; one study found it to be the #1 source of conflicts for newlyweds. Money troubles may even be the marital problem that predicts divorce most strongly of all.These concerns can be cyclical, too. Lack of money and money problems create stress, which leads to fighting and unhappiness, which may even lead to communication problems that cause more money issues! This issue can get especially bad if couples tend to fight about money in an angry, bitter, and unproductive way.For service members, who face often other challenges, fights about money are another stressor that they definitely don’t need. However, as we all know, money can sometimes be a tough issue in military families, what with unexpected expenses, “up and down” compensation, and lower pay for many.So, what can couples do to manage money proactively and productively so that this issue doesn’t sabotage their happiness? Relationship experts and financial gurus offer some advice that can help.Image via Pixabay.com/CC0Ways to Reduce Money Problems and Financial Conflict Within a MarriageCommunicate about financial habits and beliefs: The financial attitudes, habits, and beliefs that we learn in childhood and further develop in adulthood can have a huge effect on how we manage our finances as adults…but styles definitely vary. (Are you a saver or spender? Do you embrace, tolerate, or fear risk?) To make the money merger a smooth one, couples should start talking about this issue long before wedding bells are ringing. For instance, will all accounts be shared? How much “fun money” does each spouse get? Getting on the “same page” can eliminate a lot of strife. Check out the Money Habitudes program to learn more about these concepts. Be cautious of debt: For most couples, some debt will be inevitable. However, it’s important to draw a distinction between consumer debt, such as credit card balances, car payments, or payday loans, and other types of debt, like mortgages and student loans. Studies find that consumer debt is linked to lower marriage satisfaction, more fights, and more feelings that things are “unfair” in the marriage. What’s more, over time, couples that continue to take on debt may be more likely to split up. To give marriages their best chance, keep consumer debt balances low. Have a plan: Our financial lives proceed more smoothly when we create measurable, achievable goals and a plan to meet them. Couples who make time to set this into motion will benefit from the feeling of accomplishment and teamwork that follows. Don’t forget to discuss your hopes and dreams for your financial future, too. Prioritize savings and build an emergency fund: Wise couples start early in building savings, even when money is tight. Setting early goals of putting a certain percentage of each paycheck away will do wonders in keeping the financial wolf away from the door and preventing the stress and conflict that can tear couples apart when emergency strikes. Programs like America Saves and Military Saves can help.What Do Happy Couples Do?Here’s one last thought. An interesting study looked at about 65 “very happy” married couples and asked them how they managed money in their relationships. While not every couple handled things the same way, there were some interesting patterns. On the whole, these blissful men and women tended to:Avoid debtDeputize one person to be the “money manager”Live a frugal lifestyleEnjoy high levels of trust and communicationFor couples wanting to build a strong, lifelong partnership, trust and healthy communication about money and finances are definitely part of the picture. A big part of accomplishing this is simply being deliberate about money rather than making assumptions or letting things “just happen.” Service members and their families have unique resources available to them to help them manage their financial lives; with assistance, they can create a healthy financial partnership.Save the dates of our 3-part Family Finances Series which begins July 10 with a webinar on Separation & Single Parenting in the Military.References:Dew, J. (2008). Debt change and marital satisfaction change in recently married couples. Family Relations, 57(1), 60-71.Dew, J. (2011). The association between consumer debt and the likelihood of divorce. Journal of Family Economic Issues, 32, 554-564. doi: 10.1007/s10834-011-9274-zDew, J., Britt, S., & Huston, S. (2012). Examining the relationship between financial issues and divorce. Family Relations 61, 628-615. DOI:10.1111/j.1741-3729.2012.00715.xNational Resource Center for Healthy Marriage and Families. (n.d.) Strong families: Tips for healthy financial management.Skogrand, L., Johnson, A.C., Horrocks, A.M. et al. Journal of Family and Economic Issues. (2011) 32: 27. doi:10.1007/s10834-010-9195-2 Learn to budget and live within the family’s means: Gaining a basic grasp of how money goes in and out of the family and learning where to cut may seem basic, but it’s easy to put off or avoid. Apps and money management programs can help make this process easier.last_img read more

It’s a Great Deal

first_imgWhat makes something a “great deal?”It has something to do with price, but it surely is in price alone. You can buy a Nissan Versa for $13,990. It has a 109 hp engine, and a five-speed manual transmission. It comes with an AM/FM radio and a CD player, and it also has air conditioning. It is a great deal. But it’s not likely that you’re going to buy one. Why not? Because it’s not a great deal for you.A 2013 Rolls-Royce Phantom goes for $470,295. It has a 12 cylinder engine. It has optional bespoke, leather trim  bucket seats. You can choose an optional rear seat lounge theater configuration with 12 inch monitors. you can also add a pen set to the glovebox. Or a humidor. It’s a great deal. But it’s not likely you’re going to buy one of these either. Why not? Because not a great deal for you.Too often, great deal means low price. But a great deal is really a combination of the price and outcomes. The Nissan Versa and the Rolls-Royce Phantom will provide transportation. Either one of them will get you from point A to point B, but the experience will be quite different from one to the other. This is as true for the things you buy as it is the things you sell.Your clients will always be able to acquire what you sell at a lower price. But that lower price is no indication by itself that your client got a “great deal.” The question that you need to ask clients who believe low price equals “great deal” is whether or not it is a great deal to give up some of the outcomes they need in order to pay a lower price.Your clients may also be able to easily obtain the outcomes you sell at a much higher price. But making a greater investment than is necessary doesn’t equate to a “great deal.” The question you need to ask clients in this category is whether or not gaining additional outcomes at the same price would be valuable to them.Value is in the eye of the beholder. You need to be a great deal at a price that allows you to profitably serve your clients.last_img read more

Why are Jason Castro and Terrence Romeo special for Gilas?

first_imgLATEST STORIES MOST READ Romeo, meanwhile, broke through internationally in this same tournament under Tab Baldwin in 2015 and averaged 15.2 points in just over 18 minutes per game, a stint that has practically made him a shoo-in in every national team that’s being assembled.Without saying it, Reyes would obviously want to see someone like Castro and Romeo emerge from this crop of Nationals, and if that happens, this could be a promising campaign for Gilas despite the opening day setback.Sports Related Videospowered by AdSparcRead Next Hotel says PH coach apologized for ‘kikiam for breakfast’ claim Lacson: SEA Games fund put in foundation like ‘Napoles case’ FEU Auditorium’s 70th year celebrated with FEU Theater Guild’s ‘The Dreamweavers’ Inspired Valdez delivers for Creamline before leaving for nat’l team duties “We (his current players) have to figure out ways to score against bigger opponents. They would have to figure that out,” Reyes said after a 90-77 loss to Canada on opening day. “The veteran players went through that exact process years ago.”The Canadians had the size and heft advantage in almost every position against Gilas and exploited that to the hilt as the Filipinos struggled all game long in one-on-one match-ups.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSWin or don’t eat: the Philippines’ poverty-driven, world-beating pool starsCastro was with the 2013 team that Reyes coached to the championship here, while Romeo has emerged as an international superstar with his ability to break down defenses and score in dazzling ways.The 6-foot Castro has even gone on to become Asia’s point guard in the last two continental championships, averaging 11.8 points and three assists and 16.7 points in the 2013 and 2015 editions, respectively. Photos by Tristan Tamayo/INQUIRER.netTAIPEI – Ever wondered why Jason Castro and Terrence Romeo have become special, not just as PBA players but as international stars for Gilas Pilipinas?“Jason and Terrence know how to score against bigger opponents,” national team coach Chot Reyes said on Saturday night as he exalted the undersized and young Filipinos playing in the 39th Jones Cup Invitational to be the same.ADVERTISEMENT Church, environmentalists ask DENR to revoke ECC of Quezon province coal plant National Coffee Research Development and Extension Center brews the 2nd National Coffee Education Congress Ethel Booba on hotel’s clarification that ‘kikiam’ is ‘chicken sausage’: ‘Kung di pa pansinin, baka isipin nila ok lang’ Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games Trump strips away truth with hunky topless photo tweet View comments Don’t miss out on the latest news and information. El Nido residents told to vacate beach homeslast_img read more