You know how the saying goes: Bad habits are hard to break. But sometimes it’s even harder to create good habits — especially good money habits.Roughly one in three millennials surveyed by Bank of America and USA Today said their parents did not teach them good financial habits at home. Similarly, only 19 states in the U.S. require schools to offer personal finance courses, according to the Council for Economic Education.With rising student loan debts, millennials are struggling to put money away for retirement — or at all. The key to taking control of your finances, however, is to start young. Here are nine essential money habits you should master by your 30s.1. Create and Stick to a BudgetWithout a budget, you can’t take control of your finances. A proper budget tells you where you want your money to go — not where you’ve already spent it, said P.J. Walsh, a certified financial planner at Walsh Financial Planning. continue reading » 62SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Read More Read More Read More
Oct 21 CIDRAP News story on classification of the 1918 virus as a select agenthttp://www.cidrap.umn.edu/cidrap/content/influenza/panflu/news/oct2105agent.html Nov 11, 2005 (CIDRAP News) The Centers for Disease Control and Prevention (CDC) has no current plans to release the reconstructed version of the virus that caused the 1918 influenza pandemic to other laboratories, the head of the CDC said yesterday, but she did not rule out the possibility. She said the virus currently exists nowhere else than the CDC, which is studying it in the hope of learning more about the biology of influenza and pandemics and helping to develop better vaccines and drugs. An unsigned editorial in Nature this week endorses research on the virus but says that sharing it with other labs would increase the risk of an accidental release. “The 1918 flu virus is hard to contain and is capable of spreading rapidly between people. The researchers who work with the reconstructed virus point out that current flu vaccines and drugs provide good protection from itbut these are in short supply, and the threat of an accidental release is real.” Some critics have said the 1918 virus should never have been recreated because it could cause another pandemic if it escaped, and that releasing it to other labs would compound the risk. At the end of a news conference on flu vaccine supply issues yesterday, CDC Director Dr. Julie Gerberding said, “There was an unfortunate report that appeared in a media outlet today that indicated that CDC was distributing its reconstructed 1918 virus to other parts of the country for scientific investigation. I just want to set the record straight on this. CDC has no plans currently to distribute the reconstructed virus anywhere. We’re working on it here in Atlanta. We have collaborations with investigators to come into our campus and work with the virus here.” Transcript of Nov 10 CDC teleconferencehttp://www.cdc.gov/media/transcripts/t051110.htm A report in Nature this week quoted CDC spokesman Von Roebuck as saying that labs that are registered to work with select agentsdangerous pathogens and toxins subject to special handling rulescould request the virus. No labs had made such a request yet, Roebuck told the magazine. The CDC classified the virus as a select agent Oct 20. The editorial suggests working toward an international agreement governing the distribution and handling of potentially dangerous reconstructed viruses. Governments should ask the World Health Organization to look into this possibility, the writer says. See also: The writer notes that other labs could reconstruct the virus themselves by using the published genomic sequence. That removes the risk associated with mailing the virus, but “still leaves the risk of an escape from labs that work with it.” The Nature report says that scientists at Canada’s National Microbiology Laboratory in Winnipeg plan to work with the 1918 virus but will not request it from the CDC. Frank Plummer, the lab’s scientific director, said the lab would obtain constructs containing the virus’s DNA from the University of Wisconsin in Madison. Using those pieces, the Winnipeg lab will be able to recreate the virus in a few days, Plummer told the magazine. “We have to balance that with our overarching moral and scientific imperatives to make sure that virus is handled with the absolute best possible biocontainment and biosafety procedures,” Gerberding said. “We know we can do that at CDC and we probably will be able to assure that other investigators can do likewise, but until such time as we recognize the scientific merit and the adequacy of the biosafety containment procedures, that virus is not going anywhere and it’s not leaving the CDC without my express approval.” CDC scientists reconstructed the virus after a group at the Armed Forces Institute of Pathology (AFIP) succeeded in sequencing its genome. The AFIP group had recovered fragments of the virus from preserved tissue samples from victims of the 1918 pandemic, which made the sequencing possible. The pandemic killed up to 100 million people worldwide. Last month the CDC reported that the reassembled virus was highly lethal to mice and grew explosively in lab cultures of human lung cells. The agency handles the virus under enhanced biosafety level 3 conditions and has said that other labs with the same level of security can work with it. BSL-3 is the second highest of the four biosecurity classifications.
His side won through to the EFL Cup final against Southampton, despite surrendering their 17-game unbeaten run in a 2-1 defeat at Hull. Hull’s opening goal came from a controversial penalty in the first-half – while United were denied one for a similar challenge in the second.
Share Facebook Twitter Google + LinkedIn Pinterest The field appears as a checkerboard: thriving green crops beside squares of shriveling beige stalks.This was not a farmer’s bad luck. Instead the field was intentionally sprayed with 13 different weed killers to show their effects on various crops as well as the consequences of herbicides that drift from their intended target.“Would a farmer do this to a field? Absolutely not,” said Harold Watters, an agronomy field specialist with Ohio State University Extension, the outreach arm of the College of Food, Agricultural, and Environmental Sciences (CFAES) at The Ohio State University.“The purpose is to share what can happen when things don’t go as planned.”For farmers, weeds are an increasingly vexing problem as the herbicides that used to kill them no longer work. Just about every year at least one weed in Ohio is shown to survive a herbicide that used to destroy it, Watters said.The increased use of a herbicide often causes the target weed to become resistant to it, in much the same way that increased use of antibiotics has led to some of them no longer being effective against certain bacterial infections.At least seven different types of weeds common in Ohio are resistant to one or more herbicides that previously killed them, said Mark Loux, an OSU Extension weed specialist. Waterhemp, one of the more rapidly spreading weeds in Ohio, is particularly troublesome because of its resistance to so many weed killers including glyphosate, a popular herbicide.Watters and Loux will be among a team of OSU Extension experts who will discuss issues relevant to farmers, including herbicides, cover crops and nutrient management, during the 56th annual Farm Science Review Sept. 18-20 at the Molly Caren Agricultural Center near London.Besides illustrating the effects of various herbicides, the demonstration plots at the Review will show how nutrient levels within a field can differ significantly.“I can look across a field and see waves of differences,” Watters said.One portion of a field might be low in phosphorus, while another section has enough of it, information a farmer needs to ensure that no portion of a field is treated with too much of the key nutrient. Those differences underscore the need for a farmer to apply different rates of fertilizer or manure to different parts of a field growing the same crop to prevent the potential for runoff of those nutrients into an above ground water source, Watters said.
Read More Read More
“I’m just going to do my job, my role as a point guard,” said Pingoy in Filipino Saturday at Mall of Asia Arena. “I’ll just do the little things, and it’s a good thing my teammates made their shots so the credit goes to them.”READ: Adamson blasts FEU, takes solo third FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutPingoy terrorized FEU’s defense with pinpoint passing, most of which went to Jerrick Ahanmisi who had 17 points in the game, nine coming off from beyond the arc.The point guard’s spirited play allowed the Falcons to establish their dominance as early as the first quarter when they took a 21-8 lead. Don’t miss out on the latest news and information. MOST READ Adamson’s lead eventually ballooned to 61-40 by the break.Pingoy added he wanted to repay the trust his coaches gave him when he got the starting point guard job.“My spot in the starting lineup is not a permanent one,” said Pingoy as his team ended the first round at third seed with a 5-2 record. “I still have to work harder in the future because everyone in the lineup deserves a starting spot.”“I’m just happy to be named as a starter and I’ll do everything what the coaches tell me.”ADVERTISEMENT Read Next Typhoon Kammuri accelerates, gains strength en route to PH NU gains finals, outlasts Arellano in grueling comeback win LATEST STORIES BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary Frontrow holds fun run to raise funds for young cancer patients Nonong Araneta re-elected as PFF president Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles00:59Sports venues to be ready in time for SEA Games01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games View comments Fire hits houses in Mandaluyong City Brace for potentially devastating typhoon approaching PH – NDRRMC Photo by TristanAdamson guard Jerie Pingoy had just set the single game assists and steals record in the UAAP Season 80 men’s basketball tournament, but he was quick to defer his success to his teammates’ play.Pingoy orchestrated the Soaring Falcons’ offense in their 95-79 win over Far Eastern University as he finished with 10 points, 10 assists, and three steals with the two latter figures the highest marks in the tournament so far.ADVERTISEMENT Fire hits houses in Mandaluyong City
Citizens created posters and banners to show support.The rally wrapped up around noon with hot dogs, hamburgers and beverages being served. The convoy then travelled out towards Charlie Lake and returned to the main rally site around 11 am. The rally took place where the old visitors’ information used to be built on the corner of 100th St and 96th Ave. The rally featured appearances from MP Bob Zimmer, MLA of Peace River North Dan Davies, the Mayor of Fort St John Lori Ackerman, MLA of Peace River South Mike Bernier and Mayor of Taylor Rob Fraser. Right to left- Rob Fraser, Lori Ackerman, Vivian Krause, Alan Yu, Mike Bernier, Dan Davies, Bob Zimmer.As well, the rally hosted Vivian Krause as the keynote speaker. Her speech focused on her work uncovering the foreign money that is being used to fund protest groups in hopes of stopping Canadian crude from reaching international markets.Krause is a Vancouver-based blogger and researcher who focuses on the source of funding for numerous Canadian environmental charities. She runs her own blog surrounding the topic Fair Question and she also writes for The Financial Post. FORT ST JOHN, B.C. – Horns blared and a convoy of trucks filled the highway this past Saturday to show support for the liquified natural gas export industry in British Columbia.Hosted by the group FSJ for LNG, a two-part rally took place in the Energetic City. First, the event was kicked off by a 110 vehicle convoy in co-operation with the Peace Region Vehicle Enthusiasts near the UFA card lock. The starting line up to the 2018 FSJ for LNG Vehicle Convoy. Photo by Jessica Telizyn
Mohali: Unheralded Ashton Turner took an experienced Indian attack to the cleaners with some unbelievable hitting, helping Australia chase down a record breaking target of 359 runs and level the five-match series here Sunday. It was the highest ever total that Indian team failed to defend in its ODI history, losing the game by four wickets. Playing only his second ODI, Turner hit an unbeaten 84 off 43 balls with five boundaries and as many six sixes to help Australia win in only 47.5 overs. Earlier in the day, Shikhar Dhawan fired India to 358 for nine with a sublime 143 off 115 balls. Also Read – Dhoni, Paes spotted playing football togetherThe partnership of 86 off 39 balls between Turner and Alex Carey became the turning point after Peter Handscomb and Usman Khawaja had set the platform with a 192-run third-wicket stand. The big lad, who has been a designated finisher for Big Bash League side Perth Scorchers, showed his finishing skills against world’s best death bowler Jasprit Bumrah (3/63), hitting him for an effortless ramp shot. The swagger with which he lofted Bhuvneshwar Kumar (1/67) over long-on and deep mid-wicket, earned him a few fans among the home crowd and the poor Indian fielding did help his cause with Kedar Jadhav and Shikhar Dhawan dropping sitters. Also Read – Andy Murray to make Grand Slam return at Australian OpenTurner used his big reach to hit those big sixes down the ground off Kuldeep and Chahal. Khawaja (91 off 99 balls) and Handscomb (117 off 105 ) set the tone as they played Yuzvendra Chahal (1/64 in 10 overs) and Kuldeep Yadav (1/80 in 10 overs) with ease. The duo kept Australia in the hunt taking 73 runs off Vijay Shankar (0/29 in 5 overs) and Kedar Jadhav (0/44)’s combined 10-over spell. Khawaja and Handscomb found the gaps with ease and the dew made it difficult for the Indian spinners with ball looking like a slippery bar of soap. Khawaja was finally done in by a short ball from Bumrah and once Handscomb was dismissed, India were smelling victory but Turner changed it all. Batting first, India looked a completely different side with opening duo putting on 193 runs on arguably the flattest track on offer during the ongoing series. While Dhawan got his 16th hundred in ODIs, vice-captain Rohit (95 off 92 balls) missed out on what could have been a very well-deserved 23rd hundred with Australian bowlers looking like lambs for slaughter. Pat Cummins (5/70 in 10 overs) and Jhye Richardson (3/85 in 9 overs) shared the spoils but were taken to task by the Indian openers for their wayward bowling. Dhawan, who last reached a three-figure mark against Pakistan in an Asia Cup match in September 2018, was in fluent touch from the onset, hitting 18 fours and three sixes. It released the pressure on Rohit, who initially was watchful even as Dhawan went after the bowling. With another opening slot hopeful KL Rahul inducted into the playing XI, the 33-year-old Dhawan finally looked to have been shaken out of his comfort zone and played like only he could. On a ground where it all started with a dream Test debut back in 2013 against the same opposition, the southpaw decided to ease any worries that the team management had with regards to his form going into the World Cup. With left-arm seamer Jason Behrendorff and premier speedster Pat Cummins feeding him on his legs, Dhawan got a flurry of boundaries inside the first six overs. There is a saying about Dhawan that if he gets a cover drive in the initial overs, he is a difficult man to stop. On a track, where the bowlers needed to pitch it further up, the Aussies bowled short and it helped Dhawan to muscle it through the mid-wicket region repeatedly. Glenn Maxwell’s (0/61 in 8 overs) venom-less off-breaks were like cannon fodder for Dhawan, who deposited two half-trackers for maximum. Rohit also gained in confidence as lofted Adam Zampa (1/57 in 10 overs) for a huge six. Finch (/22 in 3 overs) introduced himself but his friendly slow left-arm bowling was treated with contempt by Rohit. He picked up Richardson’s slow bouncers and guided one behind square and pulled one in-front. However, in his bid to reach the three-figure mark with a six, he deposited the third one down deep mid-wicket’s throat with five to get for his hundred. Dhawan continued to attack as he surpassed his previous best of 137 against South Africa at the MCG during the 2015 World Cup. He looked good for a double hundred but was out trying to give Cummins the charge but the platform for a big score was set by then.