Going green can do more than preserve the environment, says a University of Georgia financial expert. It can save you a lot of money, too.“Making a few changes in what you buy and how you use energy and water can add up to substantial savings,” said Joan Koonce, a financial expert with UGA Cooperative Extension. The savings can top $9,000 a year. If that money is then invested at a 12-percent interest return over 25 years, it could theoretically be turned into a million dollars, she said.According to the book “Go Green, Live Rich” by David Bach, a few common areas where you can save by adopting greener habits include:TransportationDriving a small, fuel-efficient or bio-diesel car can save $800 a year. You can save almost as much by keeping a vehicle properly maintained. Living without a car can save $8,500 a year and making one less trip a week can save $215 annually. HomeAdding insulation and repairing leaks can save $500 a year. Changing a thermostat a few degrees can add $114 in savings a year. Unplug appliances and save $94. Turn off the water when brushing your teeth or take shorter showers to save $72. Replace old appliances with Energy Star ones to save $50 per appliance. Planted trees and shrubs around the house can save $177 a year on heating and cooling costs. ShoppingBuy in bulk at the store and save $800 a year, or eat less meat to save $312. If you make your own cleaning products, you could save $580 annually. Purchasing one less bottled water a day can add up to $500 in savings in a year. Another way to save is to grow your own produce. Packing lunch instead of eating out can save $2,250 a year.InvestingOnce you save some “green” money, consider investing it in a green company. Green investing is investing in socially responsible or socially conscious companies that try to improve, or not damage, the environment through their operations, Koonce said. Do your homework before investing, whether it is in a green company, a mutual fund or exchange-traded fund. And don’t invest your entire portfolio in just one area. Diversification is still important.“Not everyone can make all of these lifestyles changes, but we can all make a few changes and save some money and the environment,” Koonce said. A list of socially responsible investments can be found at www.socialfunds.com.
7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The most notorious hack of 2015 might have involved the would-be-philanderers at ashleymadison.com.Less salacious, but far more concerning, is the database breach at health insurer Anthem, where almost 80 million individual records were stored. And the big insurer was not the only target.Add to the list organizations that should have known better, like the federal government’s HR department and, with no irony, cybersecurity consultancy Hacking Team.If these organizations, with massive resources and top talent, can fall, what’s a credit union to do?In 2015, Filene surveyed 148 credit union CEOs about their plans and concerns around payments. Apple Pay was new to the scene and the banking world was abuzz with possibilities. continue reading »
Topics : The Indian embassy in Beijing did not immediately respond to an e-mailed request for comment.Modi was among a handful of foreign leaders with a Weibo account. Others include Boris Johnson of the United Kingdom, Justin Trudeau of Canada, and Nicolás Maduro of Venezuela.Notably, Modi revealed the birth dates of both Chinese President Xi Jinping and Premier Li Keqiang by wishing them “Happy Birthday” on Weibo. The discussion of senior leaders’ private lives is extremely rare in China and the exact birth dates of most of them are not revealed publicly.In contrast, Chinese leaders are rarely active on social media. Foreign social media platforms such as Facebook and Twitter are blocked in China. Sina Weibo, China’s answer to Twitter, said it has deleted Indian Prime Minister Narendra Modi’s account at the request of the Indian embassy, as tensions between the two countries continue to simmer over a border skirmish.Since posting on Sina Weibo the first time in 2015 during a visit to China, Modi has been an infrequent user of the Chinese social media platform. He had more than 200,000 followers and 100 posts before the account was shut.Sina Weibo announced the closure of the account late on Wednesday and the removal comes a few days after India banned dozens of Chinese apps, including Sina Weibo and ByteDance’s TikTok, following the border clash between the two nations.
Tweet 7 Views no discussions Share Share Sharing is caring! Share NewsRegional Caribbean, Latin American leaders meet in Venezuela by: – December 2, 2011 Venezuelan President Hugo Chavez will host the two-day summit that begins in the capital today and is being attended by representatives of the bloc’s 33 member states.CARACAS, Venezuela, Friday December 2, 2011 – Regional leaders are attending the third major summit of the Latin American and Caribbean grouping – CELAC – that will discuss energy independence and a common energy policy among other issues.Venezuelan President Hugo Chavez will host the two-day summit that begins in the capital today and is being attended by representatives of the bloc’s 33 member states.The leaders will also hold talks on the world economic crisis, as well as independence from the World Bank and the International Monetary Fund.Officials are hoping to formally establish the bloc tomorrow with the signing of the Caracas Declaration.The United States and Canada have been excluded from the grouping, which some believe to be a possible alternative to the Organization of American States (OAS).Venezuelan Foreign Minister Nicolas Maduro insists that CELAC does not seek to replace arrangements such as PetroCaribe, the Caribbean Community (CARICOM), and the Bolivarian Alliance for the Peoples of Our America (ALBA).Instead, he said it would act as “the mother organization that gathers them together and allows for the diversity of organisms and proposals and ways of thinking can be developed and consolidated”.Ecuadorian President Rafael Correa said he intends to propose the creation of a Human Rights Commission to serve as an alternative to the OAS’s Inter-American Human Rights Commission.Caribbean 360 News
The treaty caps the nuclear warheads of the US and Russia – the two Cold War-era superpowers. The system used to conduct last week’s test is the same one that Space Command raised concerns about earlier this year, when it maneuvered near a US government satellite. US Space Command “has evidence” that Moscow “conducted a non-destructive test of a space-based anti-satellite weapon” on July 15, it said in a statement. It is the latest example of Russian satellites behaving in a manner “inconsistent with their stated mission,” the US Space Command said. Planet Earth. NASA “Clearly this is unacceptable,” tweeted US nuclear disarmament negotiator Marshall Billingslea, adding that it would be a “major issue” discussed next week in Vienna, where he is in talks on a successor to the New START treaty. THE United States accused Russia on Thursday of test-firing an anti-satellite weapon in space, warning that the threat against Washington’s systems was “real, serious and increasing.” The statement also came as China launched a rover to Mars on Thursday, a journey coinciding with a similar US mission as the powers take their rivalry into deep space. (AFP)
Marjorie L. Bedel, age 87 of Oldenburg, died Saturday, November 25, 2017 at St. Andrew’s Health Campus. Born May 2, 1930 in Franklin County Indiana, she is the daughter of Louise (Nee: Pulskamp) and Theodore Tebbe. She married Thomas M. Bedel July 30, 1947 at Holy Family Church in Oldenburg and he preceded her in death on January 12, 1995. She worked 17 years for the Srs. of St. Francis Convent in the housekeeping department.Marge liked working in her garden and always kept a meticulous yard. Other interests included working crossword puzzles, word search puzzles, countless hours of playing solitaire and the long winter months were spent putting together jigsaw puzzles and the harder the better. She was a long time member of the church bereavement committee as well as a Girl Scout leader.Family was important to her and she dearly loved spending time with her grandchildren and great grandchildren. Kids, both big and small, would help themselves to the candy bowl which was always filled with M&M’s. An excellent baker, her family spoke about her delicious treats and that she always had cookies, a pie or a cake on the counter. Apparently the cookies were a little harder to come by. Marge would make them ahead and freeze them, only to find out they would disappear from the freezer. Her kids just smiled and shrugged.Marge is survived by daughters Ginny (Paul) Selkirk of Oldenburg, Bev Unger of Westport, Indiana; sons Steve (Jean) Bedel of Oldenburg, Randy (Shonda) Bedel of Oldenburg; brother Loren Tebbe of Greensburg; 10 grandchildren and 15 great grandchildren. In addition to her husband and parents, she is also preceded in death by son Thomas G. Bedel and brothers Cyril, Orville, Herschel, Wilmer and Gerald Tebbe.Visitation is Thursday, November 30th, from 9 – 11 a.m. at the Weigel Funeral Home. Funeral services follow at 11:30 a.m. at Holy Family Church with Rev. Carl Langenderfer O.F.M. and Rev. Humbert Moster O.F.M. officiating. Burial will follow in the church cemetery. The family requests memorials to the Holy Family Capital Improvement Fund or Margaret Mary Health Foundation Hospice.
MANDAN, N.D. – When they give out the next tourism awards in North Dakota, the Kupper Chevrolet Dakota Classic Tour should be a shoo-in.Drivers from 18 states and two Canadian provinces competed over the course of the July 8-13 tour, the biggest geographical representation in its 28-year history.“The exposure we get from IMCA and IMCATV has been very good. It really gets the word out,” said Tour Director John Gartner. “We had quite a few Texas drivers this year. They like being able to race every night for six straight nights.”“Some of our guys go down South and race in the winter so a lot of them were already friends,” he added. “We really enjoy when those drivers come up here.”Hunter Marriott and Elijah Zevenbergen both won three features in repeating as tour champions in the IMCA Modified and IMCA Sunoco Stock Car divisions, respectively.One hundred and twenty-five different Modified drivers competed over the course of the tour, 42 of them at all six events. Twenty-two of the 55 Stock Car drivers in the point standings raced each night.Track records were set on opening night at Jamestown Speedway with 100 Modified and 41 Stock Car entries.When the tour completed its run to Nodak Speedway, Canada’s Estevan Motor Speedway, Williston Basin Speedway, Southwest Speedway and Dacotah Speedway, an average of 85 Modifieds and 36 Stock Cars had competed each night.“The level of competition in this tour is incredible. There were a lot of good cars sitting on trailers when the main events started,” Gartner observed. “There were a lot of good ‘B’ mains, I’ll tell you.”Spencer Wilson, Johnny Scott and Aaron Turnbull each won Modified features while one-time Stock Car feature winners were Aaron Olson, Ricky Thornton Jr. and Joe Flory.Dates for the 2018 tour will be set in December.“We’ve got lots of plans in the works now,” Gartner said. “We appreciate IMCA’s support and believe that next year’s tour will be even bigger and better. We like what we’ve got here. It’s a good series.”Kupper Chevrolet provides point funds of $2,000 for the top 10 Modified and $1,000 for the top 10 Stock Car drivers. Numerous contingency awards will be given by IMCA and local sponsors as well.Top 10 Modified standings – 1. Hunter Marriott, 227; 2. Johnny Scott, 215; 3. Jordan Grabouski, 203; 4. Jason Wolla, 196; 5. Justin O’Brien, 185; 6. Jeff Taylor, 175; 7. Joel Rust, 167; 8. Jesse Hoeft. 165; 9. Ricky Thornton Jr., 157; 10. Billy Kendall, 150.Top 10 Stock Car standings – 1. Elijah Zevenbergen, 233; 2. Dalton Flory, 216; 3. Joe Flory, 203; 4. Kyle Pfeifer, 202; 5. Curt Lund, 184; 6. Jake Nelson, 184; 7. Chad Sterling, 177; 8. Austin Daae, 173; 9. Angel Munoz, 172; 10. Jeremy Swanson, 170.
“I think if it goes much further then it will change the way the game is perceived.” Mackay is preparing the Bluebirds for their maiden Premier League campaign, and is working to further strengthen his squad before the end of the summer transfer window. The Scot has already broken the club’s transfer record twice this summer with the acquisitions of striker Andreas Cornelius and England defender Steven Caulker. But Toulouse’s French international midfielder Etienne Capoue will not be his third big-money signing. Cardiff had a bid of around £9.5million accepted by the Ligue 1 club, and even agreed personal terms with the 25-year-old, but Capoue is set to move to top-flight rivals Tottenham instead. Mackay said: ”We had a bid accepted but it looks as if he has decided, as far as I am aware, to go to Tottenham. It looks like it will go that way.” It will be used for the first time in Sunday’s Community Shield match between Manchester United and Wigan. Given the fine margins that can exist between success and failure or survival and relegation in the top flight, Mackay will be happy to have the system in use when his Bluebirds kick off their Premier League campaign at West Ham next weekend. “It will only come up once every five or 10 games, but when it does it will help make those decisions clearer,” he said. “Three points can make the difference between staying up or going down and if modern technology can help then it should happen. “One of the most important factors of football is scoring goals and it won’t slow the game down that much.” But Mackay does not want to see the introduction of technology in further areas of the game. “I think if you start bringing it in to other parts of the game then it will and it will change the spectacle,” he said. “I don’t think goal-line technology will slow the game down too much and goals are a massive part of football. Malky Mackay has given his backing to the introduction of goal-line technology, but the Cardiff boss does not want to see similar initiatives used in other areas of the game. The Hawkeye system will be used throughout the Barclays Premier League season in an effort to put an end to controversies such as Roy Carroll getting away with dropping the ball into his own goal against Tottenham in 2005, and Reading’s ‘ghost goal’ against Watford in 2008. Hawkeye uses 14 cameras and will send a signal to the referee’s watch and ear-piece indicating that the ball has crossed the line. Press Association
Northern Ireland showed England they have little to fear from a Uruguay side lacking Luis Suarez as they battled to an honourable 1-0 defeat in Montevideo. With 78 places separating the teams in the FIFA rankings and Michael O’Neill’s side far from full strength, La Celeste were expected to roll the visitors over with ease en route to the World Cup. Instead, they edged the contest – and pocketed the little known Copa Antel trophy – thanks to a solitary second-half strike from substitute Christian Stuani as Northern Ireland stood firm against their opponents’ weight of possession. Edinson Cavani is a star in his own right at Paris St Germain and Diego Forlan is a proven goalscorer but neither man could replicate the kind of magic Suarez brings to so many occasions. On this evidence, England would fancy themselves to keep both shackled when they meet in Brazil next month. Either might still have scored had Roy Carroll not produced a wonderful double save in the 32nd minute and the veteran keeper played a big part in keeping the score down. But there were impressive showings across the board for O’Neill’s men, with Doncaster’s Luke McCullough among those to emerge with credit on a tough debut assignment. The game settled quickly into a pattern, Uruguay seeing plenty of the ball and rolling it up and down looking for Northern Ireland to lose their shape. It was an offer the visitors were not eager to accept and O’Neill’s men kept tight and marked close. McCullough, thrust in at the age of just 20 and not yet a regular at Doncaster, had a nervy moment early on when he slipped attempting to turn Christian Rodriguez but otherwise heads were calm. Southampton’s Gaston Ramirez, who had blazed over under pressure from Chris Baird in the 13th minute, was first to threaten the stalemate, powering past a couple of green shirts before dragging a low shot wide of the far post. Northern Ireland were hardly set up to counter with numbers and when Niall McGinn did get the chance to make a break he was halted abruptly by Diego Lugano’s sliding tackle. Walter Gargano betrayed a little impatience as the half progressed at the same pace, chancing his arm with a hopeful 30-yarder then going in the referee’s book for a late challenge on Sammy Clingan. Uruguay upped the ante in the 15 minutes before the break but could not make the breakthrough. Sebastian Coates might have done better when he rose highest to meet Forlan’s corner, but it was Carroll who did most to preserve the scoreline. When Oliver Norwood’s loose pass left his side short at the back, Cavani looked certain to score with a placed shot towards the bottom corner. But Carroll’s full-length dive pushed it into the right channel, where Forlan was waiting to pounce. His follow-up was destined to creep inside the post from a tight angle, but Carroll raced back and clawed to safety. It cost the 36-year-old a nasty collision with the woodwork but it was a price well worth paying. He stood firm again when Cavani unfurled an elegant scissor-kick, though an offside flag would have saved Northern Ireland anyway. Carroll almost saw his good work undone on the stroke of half-time when he lost sight of a swerving shot from Forlan, but an instinctive right glove spared his blushes. Uruguay replaced Coates and Forlan with Jose Gimenez and Stuani and it was the latter who grabbed the opener after 62 minutes. There had been warning signs, the busy Corry Evans and Clingan both booked attempting to firefight in the middle of the park. The goal came when Rodriguez skipped towards the byline and cut back towards Cavani. He took a heavy first touch but made amends by finding Stuani at the near post, where he poked home ahead of Baird. The goal settled Uruguay as they began to hold court further up the pitch, though a string of substitutions provided regular breaks in play. Amongst the changes, Dundee United’s Paul Paton and Liverpool’s Ryan McLaughlin became the second and third debutants of the night for Northern Ireland. McLaughlin, a right-back by trade, was deployed in an unusually advanced role and had one half-chance at glory which he skied. Abel Hernandez came closer than most to turning possession into a second goal, glancing just wide from eight yards after a perfectly-timed run, but the margin was a fair one for both sides. Press Association
“It’s not ‘oh, we’ll see what happens’ any more – the people expect now, a good Southampton team on Saturday. “And that’s more pressure, that’s more pressure for everybody.” Koeman brought his former Feyenoord striker Pelle to St Mary’s in one of his early transfer moves on the south coast. The 29-year-old has struck four times in seven league appearances, his acrobatic volley in the 2-1 win over QPR bound to contend for the goal of the season prize. Pelle claimed the winner as Italy edged past Malta 1-0 in midweek, before now landing the player of the month gong. Sunderland head coach Gus Poyet has hailed John O’Shea’s leadership skills after watching him make his own way as a captain rather than adopting the Roy Keane approach. The 33-year-old central defender signed a two-year contract extension on Thursday as the Black Cats tied up the immediate future of a man who has become central to their ongoing project. Poyet was thrilled to have secured the services of a model professional, whose upbringing at Manchester United helped to hone the personality traits which have seen him establish himself as the management’s representative on the pitch. The Uruguayan said: “It’s the whole thing, definitely the influence of Manchester United because he was there playing with top players, and I am sure he took things from different characters. “He cannot imitate – he cannot be his previous captain, Roy Keane – but he can imitate other ones. It’s just to learn and put what you are into the job. “He does it naturally, I can tell you, there are no issues.” O’Shea, who features in Keane’s updated autobiography The Second Half with the Republic of Ireland and Aston Villa assistant manager jokingly claiming he helped to bring Cristiano Ronaldo to Old Trafford by playing like “a clown” against the then Sporting Lisbon youngster in a pre-season friendly, capped a perfect few days by putting pen to paper on Wearside. The contract announcement came less than 48 hours after he marked his 100th cap for Ireland by scoring a late equaliser against world champions Germany in Gelsenkirchen, illustrating the range of qualities Poyet values so highly. Asked if O’Shea is the perfect role model for his younger players, the head coach said: “I’ll tell you what, it’s easy that answer because yes, it’s true. “He’s always there, he’s always on time, he is always fit – or most of the time – he looks after himself, he represents the club well, the players. That’s why he is the captain.” O’Shea’s midweek heroics will be a distant memory on Saturday when he leads the Black Cats out at Southampton looking for follow up a first league victory of the season at home to Stoke with a second at Southampton. Steven Fletcher’s double – his first goals since December 28 last year – helped to secure a 3-1 win over the Potters and end a miserable injury-plagued spell for the Scotland international. Poyet will be without full-back Billy Jones, who suffered a muscle injury last week, and Santiago Vergini, who won his second cap for Argentina in midweek, is likely to deputise. Graziano Pelle has capped the week where he scored on his Italy debut by being named Premier League player of the month too, in a double reward for Saints’ impressive early season form. New boss Koeman has shaken off widespread pre-season jitters to guide Southampton to third in the league, all after a summer clear-out with top stars following manager Mauricio Pochettino out of St Mary’s. The former Holland defender has warned against complacency, admitting top-flight rivals are now “awake” to his side’s threat. “Maybe everybody was a little bit afraid, didn’t expect the way we would play in the beginning,” said Koeman, ahead of Saturday’s home Premier League clash with Sunderland. “But all the changes in the team, we had to bring in a lot of new players, and then the team was working well. “Maybe the people were surprised about that and maybe that’s the reason that I’ve won this prize. “The rest of the teams are now not surprised about our way of playing, they are not surprised about our qualities. “Maybe they are more prepared to play against us than in the beginning. “Maybe Liverpool were surprised in the first match of the season, but after that, everybody knows that still Southampton has a very good team and can beat every team in the Premier League. “So I told my players we must start again this week – all our opponents are awake now, and it’s not easy. Ronald Koeman believes Southampton can no longer trade on the element of surprise after landing September’s Premier League manager of the month award. Press Association