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Financial education is more than a month

first_imgSummer is over and fall is upon us. Now is the perfect opportunity to look back at the successes of April’s financial literacy programs and make sure those successes continue throughout the rest of the year. Financial education matters more than four weeks a year.As the financial landscape is changing, making financial decisions is getting much more strenuous for consumers. Recent trends have put more financial burden on the shoulders of consumers, and there are ways you can learn how to deal with these changes.We could all use financial advice from time to time, and your credit union has the opportunity to be there for its members.When members have questions, it is imperative that credit unions be there to empower them by providing the relevant education. It is not enough to simply offer a program on budgeting, saving and investing and assume the knowledge will linger until the participant needs it. An ideal program would be made available at any time, whenever members need it.Remember that improving financial literacy will have a profound impact on credit union members and their ability to be prepared for whatever the future may hold for them. Providing these types of programs and services offers the added benefit of nurturing your existing relationship with a member and ensuring you have a place in their financial future. 238SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

DepEd-Aklan gets new schools division superintendent

first_imgDr. Miguel Mac D. Aposin. DEPED ILOILO The province’s new schools division superintendentstarted his public school teaching in 1988 as Teacher I in Hipona (Puentevedra)National High School. In 2007, he was the principal of Tuburan National HighSchool (Maayon, Capiz) and Florentina Batoampo Degala National High School(Roxas, Capiz) in 2008. Dr. Miguel Mac D. Aposin, who waspreviously assigned in Iloilo Division, took over the post of Dr. SalvadorOnating Ochavo, Jr.  With the new assignment in Aklan, Aposinwill supervise the school districts in Buruanga, Malay, Nabas, Ibajay East, IbajayWest, Tangalan, Makato, Numancia, Lezo, Malinao, Madalag, Kalibo I, Kalibo II,Banga, Libacao, Balete, Batan, Altavas, and New Washington. Aposin of Pontevedra, Capiz formallyassumed his new post on Tuesday. KALIBO, Aklan – The Department ofEducation (DepEd) Division of Aklan has a new schools division superintendent. He graduated his Bachelor of Science inMathematics in Filamer Christian University (formerly Filamer Christian College)in 1987 and his Master of Education specializing in Administration andSupervision at West Visayas State University (1999) and Doctor of Education inEducational Management at Capiz State University (2006). Aposin was also designated asofficer-in-charge-Assistant Schools Division Superintendent DepEd Capizand principal of Malonoy National High School (Dao, Capiz) in 2009. Hewas the Schools Division Superintendent of DepEd Capiz for threeyears until he was assigned in DepEd Iloilo on July 2018. (With a report from Akean Forum/PN)last_img read more

$6 Million Breeders’ Cup Classic (Grade I) Three-Year-Olds & Up 1 1/4 Miles Saturday, Nov. 5

first_imgWar Story – Loooch Racing Stables et al.’s War Story left Barn 69 at approximately 8a.m. with exercise rider Nelson Collazo atop and trainer Mario Serey, Jr., looking on and proceeded to jog 1 ¼ around the Santa Anita main track. The 4-year-old gelding makes his fourth start of the season in the Breeders’ Cup Classic, while starting from post seven of 10 at morning line odds of 30-1.“He felt good today,” Collazo said. “He was very happy to be out there after walking for a few days. He went well over the track.”“He looked good,” Serey added. “I was happy with him.” Frosted – Godolphin Racing’s 4yo gray colt had a routine morning at Santa Anita Tuesday, galloping about 1 1/4 miles under exercise rider Rob Massey.Trainer Kiaran McLaughlin traveled from New York on Monday and arrived in time to attend the post position draw. He was pleased that the son of Tapit will start from post 2.“We’re happy. We’ll save some ground,” he said. “There weren’t any bad posts. We’re OK. We’re just happy to be in the race.”McLaughlin said the colt will school in the gate sometime this week.Godolphin Racing officials considered running Frosted – a dynamic, record-setting winner of the Met Mile in June – in the Las Vegas Dirt Mile, but settled on the 10f Classic in which he will face California Chrome. McLaughlin said that tactically the Classic was a better fit.“The Dirt Mile is a short run into the first turn. There usually are 12 horses and you can get in traffic trouble,” Mclaughlin said. “There is going to be a lot of space and gaps in the mile and aquarter race. The speed will go and there will be gaps. We should be able to work out a good trip. It is the best, we want to be the best and we want to beat the best. It makes sense to be in the Breeders’ Cup Classic.”Keen Ice – Donegal Racing’s Keen Ice arrived from New York Tuesday along with several other Todd Pletcher-trained Breeders’ Cup entrants.The 4yo son of Curlin finished third as the beaten favorite in a one-turn mile optional claiming allowance at Belmont Park Oct. 7. He closed from seventh in his first start for Pletcher and his prep for Saturday’s Classic.“I actually thought he ran really well. The track that day was really speed-favoring. That’s not his style. I thought he really finished up well. Maybe you had to be there in person to appreciate how strong he galloped out,” Pletcher said. “He’s had three really good breezes since then, so it served its purpose. It’s a super tough race, but I do think he’s doing really well and the mile and a quarter is his forte. Hopefully, we get a good honest pace to run at and he shows up and runs good.”Keen Ice, who is rated at 12-1 in the morning line for the 1 1/4m Classic, will be ridden by Javier Castellano. Melatonin – Santa Anita Handicap and Gold Cup at Santa Anita winner Melatonin jogged once around the track and schooled in the paddock Tuesday morning under exercise rider Martin De Rubin for trainer Dave Hofmans.Joe Talamo, who is 4-for-5 aboard the gelded son of Kodiak Koenig, will be in the irons again Saturday.“We’d been riding Joe on Home Run Kitten and some other horses and thought Joe would be a good fit for him,” Hofmans said. Hofmans took over the training for Melatonin in August 2015 at Del Mar following a private purchase“The first time Joe rode him he said he wants more distance,” Hofmans said. “I didn’t agree for a while but Joe was right. He lets the horse dictate what he wants to do. For whatever reason, he’s a good fit.” War Story – Loooch Racing Stables et al.’s War Story left Barn 69 at approximately 8a.m. with exercise rider Nelson Collazo atop and trainer Mario Serey, Jr., looking on and proceeded to jog 1 ¼ around the Santa Anita main track. The 4-year-old gelding makes his fourth start of the season in the Breeders’ Cup Classic, while starting from post seven of 10 at morning line odds of 30-1.“He felt good today,” Collazo said. “He was very happy to be out there after walking for a few days. He went well over the track.”“He looked good,” Serey added. “I was happy with him.” Frosted – Godolphin Racing’s 4yo gray colt had a routine morning at Santa Anita Tuesday, galloping about 1 1/4 miles under exercise rider Rob Massey.Trainer Kiaran McLaughlin traveled from New York on Monday and arrived in time to attend the post position draw. He was pleased that the son of Tapit will start from post 2.“We’re happy. We’ll save some ground,” he said. “There weren’t any bad posts. We’re OK. We’re just happy to be in the race.”McLaughlin said the colt will school in the gate sometime this week.Godolphin Racing officials considered running Frosted – a dynamic, record-setting winner of the Met Mile in June – in the Las Vegas Dirt Mile, but settled on the 10f Classic in which he will face California Chrome. McLaughlin said that tactically the Classic was a better fit.“The Dirt Mile is a short run into the first turn. There usually are 12 horses and you can get in traffic trouble,” Mclaughlin said. “There is going to be a lot of space and gaps in the mile and aquarter race. The speed will go and there will be gaps. We should be able to work out a good trip. It is the best, we want to be the best and we want to beat the best. It makes sense to be in the Breeders’ Cup Classic.”Keen Ice – Donegal Racing’s Keen Ice arrived from New York Tuesday along with several other Todd Pletcher-trained Breeders’ Cup entrants.The 4yo son of Curlin finished third as the beaten favorite in a one-turn mile optional claiming allowance at Belmont Park Oct. 7. He closed from seventh in his first start for Pletcher and his prep for Saturday’s Classic.“I actually thought he ran really well. The track that day was really speed-favoring. That’s not his style. I thought he really finished up well. Maybe you had to be there in person to appreciate how strong he galloped out,” Pletcher said. “He’s had three really good breezes since then, so it served its purpose. It’s a super tough race, but I do think he’s doing really well and the mile and a quarter is his forte. Hopefully, we get a good honest pace to run at and he shows up and runs good.”Keen Ice, who is rated at 12-1 in the morning line for the 1 1/4m Classic, will be ridden by Javier Castellano. California Chrome – 2014 Horse of the Year California Chrome, the even-money favorite versus nine rivals to capture the weekend’s richest prize, the $6 million Classic, had a strong 1 ¾ m gallop Tuesday morning. The 5 yo chestnut returned to his barn via the paddock under regular exercise rider Dihigi Gladney.“Whenever he schools (in the paddock), he knows it’s getting closer to race time and he starts getting aggressive,” Gladney said.Added assistant trainer Alan Sherman, “He’s happy and feeling strong. Wednesday morning we’ll take him to the gate before his gallop.” Melatonin – Santa Anita Handicap and Gold Cup at Santa Anita winner Melatonin jogged once around the track and schooled in the paddock Tuesday morning under exercise rider Martin De Rubin for trainer Dave Hofmans.Joe Talamo, who is 4-for-5 aboard the gelded son of Kodiak Koenig, will be in the irons again Saturday.“We’d been riding Joe on Home Run Kitten and some other horses and thought Joe would be a good fit for him,” Hofmans said. Hofmans took over the training for Melatonin in August 2015 at Del Mar following a private purchase“The first time Joe rode him he said he wants more distance,” Hofmans said. “I didn’t agree for a while but Joe was right. He lets the horse dictate what he wants to do. For whatever reason, he’s a good fit.” Arrogate/Hoppertunity – Hall of Fame trainer Bob Baffert’s representatives in the $6 million Breeders’ Cup Classic, had easy mornings on Tuesday.Travers Stakes winner Arrogate walked in the barn area a day after a half-mile work. Jockey Club Gold Cup winner Hoppertunity jogged around the main track.Arrogate drew the outside, No. 10, post and was the 5-2 second choice on the morning line behind even-money champion California Chrome.“We don’t know how good he is, but he’ll have to be super to beat ‘Chrome’,” Baffert said. “He’s stayed healthy since the Travers and he’s maturing. The only time we’ve really set him down to run was in the Travers. We never set him down in the mornings.“But he’ll have to be really good to beat Chrome. Now I know how the other guys felt last year when I had American Pharoah.”Hoppertunity (Post 9, 15-1) will be ridden by John Velazquez, who was aboard for the first time in the Jockey Club Gold Cup victory.“(Flavien) Prat was supposed to ride him, but it was hard to take (Velazquez) off after he won on him,” Baffert said. “Prat picked up the mount on Effinex, a very good horse. You never know how things are going to work out.” Effinex/Shaman Ghost – Trainer Jimmy Jerkens pair of Classic horses had easy days Tuesday. Effinex, the 2015 Classic runner-up, stayed in the barn one day after his final half-mile work.“He came out the work good,” Jerkens said. “He just walked this morning.”Shaman Ghost, the Woodward winner, stood in the gate, jogged once around the wrong way and then visited the paddock. Win the Space – Win the Space went to the main track at 7:45 a.m. and galloped nearly 1 1/2 miles with regular exercise rider Amelia Green.“Very happy with the way he is coming up to the race,” trainer George Papaprodromou said. “He’s acting good.”Tuesday, Nov. 1, 2016 Contact Notes Team (859) 250-0358 Win the Space – Win the Space went to the main track at 7:45 a.m. and galloped nearly 1 1/2 miles with regular exercise rider Amelia Green.“Very happy with the way he is coming up to the race,” trainer George Papaprodromou said. “He’s acting good.”Arrogate/Hoppertunity – Hall of Fame trainer Bob Baffert’s representatives in the $6 million Breeders’ Cup Classic, had easy mornings on Tuesday.Travers Stakes winner Arrogate walked in the barn area a day after a half-mile work. Jockey Club Gold Cup winner Hoppertunity jogged around the main track.Arrogate drew the outside, No. 10, post and was the 5-2 second choice on the morning line behind even-money champion California Chrome.“We don’t know how good he is, but he’ll have to be super to beat ‘Chrome’,” Baffert said. “He’s stayed healthy since the Travers and he’s maturing. The only time we’ve really set him down to run was in the Travers. We never set him down in the mornings.“But he’ll have to be really good to beat Chrome. Now I know how the other guys felt last year when I had American Pharoah.”Hoppertunity (Post 9, 15-1) will be ridden by John Velazquez, who was aboard for the first time in the Jockey Club Gold Cup victory.“(Flavien) Prat was supposed to ride him, but it was hard to take (Velazquez) off after he won on him,” Baffert said. “Prat picked up the mount on Effinex, a very good horse. You never know how things are going to work out.” California Chrome – 2014 Horse of the Year California Chrome, the even-money favorite versus nine rivals to capture the weekend’s richest prize, the $6 million Classic, had a strong 1 ¾ m gallop Tuesday morning. The 5 yo chestnut returned to his barn via the paddock under regular exercise rider Dihigi Gladney.“Whenever he schools (in the paddock), he knows it’s getting closer to race time and he starts getting aggressive,” Gladney said.Added assistant trainer Alan Sherman, “He’s happy and feeling strong. Wednesday morning we’ll take him to the gate before his gallop.” Effinex/Shaman Ghost – Trainer Jimmy Jerkens pair of Classic horses had easy days Tuesday. Effinex, the 2015 Classic runner-up, stayed in the barn one day after his final half-mile work.“He came out the work good,” Jerkens said. “He just walked this morning.”Shaman Ghost, the Woodward winner, stood in the gate, jogged once around the wrong way and then visited the paddock.last_img read more

Downes takes over as AFC Wimbledon manager

first_imgWally Downes has been appointed AFC Wimbledon manager.The 57-year-old from Hammersmith made more than 200 appearances for Wimbledon as a player during the ‘Crazy Gang’ era of the 1980s.He has replaced Neal Ardley, who left the League One club last month and has since taken over as Notts County manager.Downes previously had a two-year spell as manager of Brentford, having worked as assistant boss under Steve Coppell at Griffin Park as well as at Crystal Palace and Reading.A lifelong QPR fan, Downes more recently had a spell on the coaching staff at Loftus Road during Harry Redknapp’s time as manager.He has also held coaching positions at Southampton, West Ham and Indian side Jamshedpur.“I am very proud to be appointed as manager of a club I love dearly,” Downes said.“I am now looking forward to working flat out to help to keep the club in League One.” Follow West London Sport on TwitterFind us on Facebookby Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksRecommended for youAspireAbove.comRemember Pauley Perrette? Try Not To Smile When You See Her NowAspireAbove.comUndoLifestly.com25 Celebs You Didn’t Realize Are Gay – No. 8 Will Surprise WomenLifestly.comUndoUsed Cars | Search AdsUsed Cars in Tuen Mun Might Be Cheaper Than You ThinkUsed Cars | Search AdsUndoCelebsland.com9 Celebrity Before-And-After Plastic Surgery DisastersCelebsland.comUndoActive Feel11 Warning Body Signs You Shouldn’t IgnoreActive FeelUndoWomenArticle.comThe Top 10 Cheapest Countries To Buy a HomeWomenArticle.comUndoJobs in the UK | Search AdsFinding a Job in the UK Might Be Easier Than You ThinkJobs in the UK | Search AdsUndoOrganic WelcomeThe 7 Worst Foods For Your Brain That Might Shock YouOrganic WelcomeUndolast_img read more

Five Davidson Fans In Speedos Fail To Deter Dayton Player At The Free Throw Line

first_imgDavidson fans distract Dayton shooter with speedos.College basketball fans, particularly student fans, have long looked for different ways to distract visiting teams during games. Some of the more creative methods have been displayed when opponents go to the line to attempt free throws, and such was the case with some fans at Davidson during last night’s game against Dayton. With 7:16 remaining in the game, and Davidson leading 66-49, Dayton shooting guard Jordan Sibert stepped up to attempt a pair of foul shots. It was then that TV cameras caught five Davidson fans, clad only in black speedos, dancing and gyrating in an attempt to throw off Sibert’s concentration.The tactic failed, as Sibert nailed both shots. Still, the Wildcats knocked off the 22nd-ranked Flyers, 77-60, and this quintet of fans left an indelible image on the minds of anyone who saw their stunt.last_img read more

5-Star DE Recruit CeCe Jefferson Makes Landshark Gesture As He, Hugh Freeze Bob Heads To Lil Jon

first_imgThe Ole Miss Rebels cheerleaders perform before the first quarter against the Oklahoma State Cowboys during the Allstate Sugar Bowl.NEW ORLEANS, LA – JANUARY 01: The Mississippi Rebels cheerleaders perform before the first quarter against the Oklahoma State Cowboys during the Allstate Sugar Bowl at Mercedes-Benz Superdome on January 1, 2016 in New Orleans, Louisiana. (Photo by Chris Graythen/Getty Images)Back in late December, five-star defensive end recruit CeCe Jefferson told reporters that Ole Miss was the leader to land his services this upcoming National Signing Day. Judging by the Instagram video he posted Saturday night, it doesn’t look like much has changed.Jefferson posted a video of himself, four-star linebacker recruit Jeffery Holland and Rebels head coach Hugh Freeze bobbing their heads to a Lil Jon song. He then made the team’s “Landshark” gesture. Freeze followed suit.Turn up coach freeze! With @holland_jeffA video posted by Hi Im Carl (@thatboycece7) on Jan 24, 2015 at 5:59pm PST Jefferson would be a huge get for Ole Miss, which currently has the 17th-ranked class in the country, according to 247 Sports.last_img read more

More HOPE Workers for Westmoreland Vector Control Programme

first_img “With more staff we will be able to cover more communities to identify breeding sites that we had missed before,” he said. Story Highlights Mr. Morris informed JIS News that the mosquito population had increased with the recent heavy rains, and the HOPE programme workers, who begin their rounds today (October 8), will help in the Department’s vector control efforts. Vector Control Officer at the Westmoreland Health Department, Ryan Morris, says the Aedes Aegypti mosquito population in the parish should decrease with the help of the second cohort of 25 Housing, Opportunity, Production and Employment (HOPE) programme vector control workers. Vector Control Officer at the Westmoreland Health Department, Ryan Morris, says the Aedes Aegypti mosquito population in the parish should decrease with the help of the second cohort of 25 Housing, Opportunity, Production and Employment (HOPE) programme vector control workers.Mr. Morris informed JIS News that the mosquito population had increased with the recent heavy rains, and the HOPE programme workers, who begin their rounds today (October 8), will help in the Department’s vector control efforts.“With more staff we will be able to cover more communities to identify breeding sites that we had missed before,” he said.Mr. Morris said he is hoping that participants in the 12-week programme will assist the Department to get the mosquito population down, noting that with the addition of 25 workers, more stringent checks can be done to even more areas in the parish.He also advised that plans are in place to have thorough once-per-week inspections of typical mosquito breeding sites in various Westmoreland communities, to ensure that the population stays down, as well as to ensure that residents are applying the information given to them by vector control workers.The Aedes Aegypti mosquito is responsible for the spread of the dengue, Zika and chikungunya viruses.The second phase of the HOPE programme ends on December 28.last_img read more

The Legend Of Tom Izzo Grows

Last Tuesday, I crunched some numbers on which NCAA men’s tournament coaches exceeded expectations the most since the tourney expanded to 64 teams in 1985, based on their teams’ seeds at the start of the tournament. Perhaps not surprisingly, Michigan State coach Tom Izzo ruled all, with his Spartans winning 14.6 more games than would be expected based on the way they were seeded. And after Izzo won two more games over the weekend to secure the Spartans’ seventh Final Four bid under his watch, we thought we’d update the numbers1With a slight tweak to the SRS adjustment that forces the sum of each tournament’s field-wide expected wins to equal 63. to reflect the latest results.Izzo is still No. 1 of course, with 16.2 wins above expectation now (after adding in his two wins over the weekend, plus Michigan State’s expected future wins according to the FiveThirtyEight tournament predictions), while the coach he beat in the East Regional final, Rick Pitino, ranks second since ’85.Two of Izzo’s fellow Final Four coaches also rank among the top 10. John Calipari of Kentucky (whom the Spartans could face for the national championship in a week) places third. And Mike Krzyzewski, whose Duke Blue Devils will play Michigan State on Saturday, ranks 10th. Wisconsin’s Bo Ryan may seem like the odd man out, but Ryan’s teams have still exceeded expectations — though only by 2.7 wins over his career, which ranks 31st since 1985. read more