5 surprising sources of debt

first_img 37SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Unemployment, medical bills, a shopping addiction – these may all be obvious causes of debt, but they certainly aren’t the only ways people end up in the red.Other forms of debt are more insidious. They arrive looking like a big break or a money-saving option. But instead of getting you out of your financial hole, they actually dig you in deeper.Don’t let these five hidden sources of debt say “Gotcha!”Your New JobThe problem: Your new job is supposed to be your ticket out of paycheck-to-paycheck living, but a big boost in income is often accompanied by a big boost in spending.“When people get a new job, it looks like a limitless amount of money so they splurge on a new car or a buy a lot of clothes,” says Joe Heider, founder of Cirrus Wealth Management in Cleveland. continue reading »last_img read more

Companies receive HHS orders for novel flu vaccine

first_imgMay 26, 2009 (CIDRAP News) –Two vaccine companies, Sanofi Pasteur and GlaxoSmithKline, recently announced they received their first orders from the US government for a vaccine and adjuvant to protect the country against the novel H1N1 virus.Sanofi, in a statement released yesterday, said the initial order it received from the Department of Health and Human Services (HHS) covers the production of bulk vaccine and related activities and is worth $190 million. On May 22, Glaxo said in a press release that HHS ordered vaccine antigen and the company’s proprietary adjuvant system, AS03. Adjuvants are compounds that enhance a vaccine’s immune response, offering the possibility of stretching antigen supplies.The announcements from the two companies follow a May 22 announcement from HHS that secretary Kathleen Sebelius was directing about $1 billion in existing funds toward clinical studies and commercial production of bulk vaccine antigen and adjuvant.Federal officials have announced plans to support the development of a novel H1N1 vaccine, but have taken pains to explain that the decision to use it would be made separately.The Centers for Disease Control and Prevention (CDC) has said it hopes to wrap up work on a seed strain to send to vaccine makers within the next few weeks. Once companies receive the seed strain, they can develop pilot lots to begin safety, efficacy, and dosage testing.The federal government’s placement of the orders falls under existing contracts that the Biomedical Advanced Research and Development Authority (BARDA) established with the companies in 2004 as part of the nation’s pandemic influenza strategy.Sanofi said it hopes to begin work on a pilot lot in June after the US Food and Drug Administration approves its working seed. The company said clinical trials could begin as early as August, but a timeline for final formulation, filling, and distribution has not been set.Wayne Pisano, Sanofi’s president and chief executive officer, said in the press release that though a number of complex steps need to be taken before a vaccine is available, the company’s experience in developing the prepandemic H5N1 avian influenza vaccine will be helpful. “We look forward to further demonstrating our experience and expertise in vaccine development as we prepare for this new threat from AH1N1,” he said.Production of the new H1N1vaccine for HHS will take place at the company’s recently licensed new production facility in Swiftwater, Pa. As soon as the company finishes production of seasonal influenza vaccine at its second Swiftwater facility, it can produce the novel H1N1 vaccine at both plants. The two plants, when operating at full capacity, can make about 150 million doses of seasonal flu vaccine.Meanwhile, Glaxo said it expects to fill HHS’ adjuvant order within the next few months and hopes to produce the first antigen doses 4 to 6 months after receiving the novel H1N1seed strain. The company said its proprietary adjuvant, already approved as a component of the H5N1 vaccine in Europe and some Asian countries, is the subject of 15 additional clinical trials, including one involving a seasonal flu vaccine.Both Sanofi and Glaxo said they are in ongoing discussions with other countries about producing novel flu vaccine for national stockpiles.See also:May 25 Sanofipress releaseMay 22 Glaxopress releaseMay 22 HHS press releaseMay 6 CIDRAP News story “FDA approves new vaccine facility”last_img read more

In the first nine months, airports recorded a drop in passenger numbers of 80%

first_imgOsijek Airport in September it had 949 passengers, which is 79,77% less than in September last year (4.691). From January to the end of September this year, 5.749 passengers passed through Osijek Airport, while in the same period last year there were 42.271 passengers. Data from January to the end of September this year show that 1.945.895 passengers passed through the mentioned airports, while in the same period last year over 9,5 million passengers (9.765.797) were recorded. U Split Airport in September there were 75.881 passengers, which is 83.86% less than the same month last year (470.102). From January to the end of September, 631.774 passengers passed through this airport, while in the same period last year, 2.967.530 were recorded. “The impact of the global pandemic is obvious, all Croatian airports have a drastic drop in the number of passengers compared to previous years, which was expected, the same statistics are recorded by airports across Europe and the world. It is likely that no Croatian airport will record a jubilee, millionth passenger this year”Conclude the authors of the analysis. Photo: Pexels.com Through seven airports in September only 214.122 thousand passengers passed, while in the same month last year more than 1,5 million passengers were recorded, according to the analysis of the number of passengers from 7 airports in Croatia, made by the portal Croatian Avition. At the largest Croatian airport, Zagreb Airport, 65.963 passengers were recorded in September, which is 81.16% less than in the same month last year (350.138). Zadar Airport in September it had 14.433 passengers, which is 87.61% less than in September last year (116.494). In the period from January to the end of September, 114.856 passengers passed through Zadar Airport, while in the same period last year, 711.273 passengers were recorded. Pula, Rijeka, Zadar and Osijek Zagreb, Split and Dubrovnik U Pula Airport in September there were 11.339 passengers, which is 90.80% less than the same month last year (123.354). From January to the end of September, 77.196 passengers passed through this airport, while in the same period last year, 731.805 were recorded. In the first 9 months, Croatian airports recorded a drop in the number of passengers of 80,07% compared to the same period last year. Through Rijeka Airport 4.605 ​​passengers passed in September, which is 85.09% less than in the same month last year (30.879). From January to the end of September, 25.050 passengers passed through Rijeka Airport, while in the same period last year, 181.461 passengers were recorded. From January to the end of September, 785.321 passengers passed through this airport, while in the same period last year, 2.626.511 were recorded. U Dubrovnik Airport in September there were 40.952 passengers, which is 89.91% less than in September last year (405.924). From January to the end of September, 306.949 passengers passed through Dubrovnik Airport, while in the same period last year, 2.504.946 passengers were recorded.last_img read more

Liverpool, Man Utd and Arsenal in transfer battle to sign Borussia Dortmund star Jacob Bruun Larsen

first_img Metro Sport ReporterSaturday 29 Jun 2019 10:18 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link529Shares Larsen made his debut for Denmark earlier in the year (Picture: Getty)But the Red Devils are set to secure several more new players as they bid to improve following a dismal 2018-19 campaign under first Jose Mourinho and then Ole Gunnar Solskjaer.Arsenal are also keeping tabs on Larsen, who Sven Mislintat reportedly identified as a possible target before leaving the Emirates earlier in the year.The Gunners are still waiting to complete their first summer signing and could look to sign Larsen if their pursuit of Wilfried Zaha fails.The Ivory Coast international is keen to join the Gunners, who he supported growing up, but Palace are reluctant to lost another star player following Wan-Bissaka’s move to Old Trafford.More: FootballBruno Fernandes responds to Man Utd bust-up rumours with Ole Gunnar SolskjaerNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira moves Comment Liverpool, Man Utd and Arsenal in transfer battle to sign Borussia Dortmund star Jacob Bruun Larsen A number of Premier League clubs are interested in signing Jacob Bruun Larsen from Borussia Dortmund (Picture: Getty)Premier League rivals Liverpool, Manchester United and Arsenal have all expressed interest in signing Borussia Dortmund starlet Jacob Bruun Larsen, reports say.Denmark winger Larsen enjoyed a breakthrough season in 2018-19, making 24 appearances in all competitions to help Dortmund challenge for the Bundesliga title and progress to the knockout stages of the Champions League.The 20-year-old initially made his debut for the German club in 2017 but was sent out on loan to Stuttgart the following year, before impressing throughout the most recent campaign.Larsen’s performances have not gone unnoticed and The Sun say English rivals Liverpool, Manchester United and Arsenal are all keeping tabs on the Danish star.AdvertisementAdvertisementADVERTISEMENTMore: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityThe winger, who made his international debut in March, did his hopes of securing a high-profile summer move no harm in the ongoing European Under-21 Championship.Liverpool are not expected to seal any marquee signings this summer following a season in which they won the Champions League and finished second in the Premier League.But Jurgen Klopp is open to bolstering his squad with some new arrivals and still has close connections with Larsen’s club Dortmund, who he managed before joining the Reds.Manchester United have enjoyed a busy start to the summer window, signing Daniel James from Swansea City and Aaron Wan-Bissaka from Crystal Palace. Advertisement Advertisementlast_img read more

Arsenal equal unwanted record after disappointing Crystal Palace draw

first_img Metro Sport ReporterSaturday 11 Jan 2020 2:41 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link716Shares Advertisement Aubameyang scored but was sent off (Picture: Copa/Getty)It was the fifth time this season Arsenal had failed to win a Premier League game when leading at half-time, matching their previous highest total in the 2010/11 campaign.AdvertisementAdvertisementADVERTISEMENTThey have drawn four and lost one of those games, but it points to an ongoing issue of holding onto a lead once they get in front.Palace centre-half Gary Cahill, however, was frustrated that his side didn’t get all three points.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal‘It was frustrating,’ he told BT Sport. ‘When they went down to ten, we pushed a bit more.‘Frustrating not to get the win. But then again first half they were very good, we found it tough to deal with their passing and movement.‘But when we got to grips with it, I thought we certainly deserved a point.’Will Arsenal finish in the top-four?Yes0%No0%Share your resultsShare your resultsTweet your resultsMORE: Pierre-Emerick Aubameyang to miss Arsenal’s clash against Chelsea after red card in Crystal Palace draw Comment Arsenal equal unwanted record after disappointing Crystal Palace draw Advertisement A frustrating day for Arteta (Picture: Getty)Arsenal dropped points from a winning position yet again this season in their 1-1 draw with Crystal Palace, equalling an unwanted Premier League record for the club in the process.Pierre-Emerick Aubameyang had put the Gunners in front, sweeping home after a neat move from Mikel Arteta’s side, who led 1-0 at the break at Selhurst Park.Jordan Ayew levelled things up after half-time, with his heavily deflected shot cannoning off David Luiz beyond Bernd Leno, before Aubameyang was sent off for a heavy challenge on Max Meyer.last_img read more

T Brother’s Liquor And Wine – What You “T” Is What…

first_imgSubmitted by T Brother’s Liquor and WineBrothers Andy (left) and Mike Thielen own T Brother’s Liquor and Wine on Fifth and Plum Street in Downtown Olympia.There is no denying that we have more options when it comes to getting our spirits since June 1, 2012 when initiative 1183, privatizing the sale and distribution of liquor in Washington State, went into effect. And there is no arguing that we are paying more for the convenience with the new liquor fees. But why is it so hard to figure out exactly what we are paying at the register most of the time?We’ve all walked by the rows of alcohol on display at the grocery stores and we’ve seen the sale signs that say $9.99 for a half gallon of vodka, whiskey or the likes. But, have you taken the time to look at your receipt to see what you really paid for that $9.99 bottle of booze. If you answered yes, you know you paid $18.64 for it after the 20.5% liquor tax and the $6.60 liter tax is applied.  What if you decided on a higher end half gallon of gin? Say a list price of $49.00. After taxes and fees you will pay $65.65. Wow! If you are a savvy shopper maybe you’ve already looked at the fine print on the sticker listing the taxes and you’ve done the math. But, if you’re like a lot of people, you didn’t even notice the fine print listing the fees and taxes, nor could you make sense of any of it. You also probably bought all your other groceries and didn’t realize you paid an additional $8.65 in taxes and fees for the inexpensive bottle and over $16.00 for the high end stuff.The fact of the matter is, it’s not easy to know just how much you paid for your liquor these days, nor is it conveniently priced, most places.  “There has been a lot of frustration out there and we’ve heard it,” says Andy Thielen, co-owner of T-Brothers Liquor Lodge. “We’ve tried hard to make sure that our customers know what they are getting when they shop with us. What you see posted on the tag in our store is exactly what you pay at the register. All liquor fees are already included in the sticker price on display. If the tag says $19.99, you can bet that’s what your receipt will say. People don’t like to be deceived.” Then with a grin, Thielen says, “At T Brothers, what you T is what you get.”When asked if he thought it was a deceiving practice to hide the sales tax, Thielen said, “We tried it the big box store way for a week and our customers spoke up at the register. They asked us to list-price it on the shelf the way it will ring up at the register and we did.  So, don’t take my word for it. The voters who passed initiative 1183 don’t like being surprised at the register and have told us that it’s not right to list it any other way.”So why is the pricing so obscure? Why is it that the bigger stores don’t just list the price with the taxes and fees included? According to one patron we spoke with outside Safeway, “It is obviously not in the stores best interest to list the higher price because it would deter people from spending more money. But, it makes it hard to comparison shop when every store lists their prices differently. It would be a lot easier if the law would require every store to list their prices with the fees included.”Andy Thielen added a wine cellar after listening to many customer requests. The downtown Olympia store stocks more than 1,000 varieties of wine.Obviously, it’s our nature as consumers to shop for a deal, so it makes sense that stores would want their customers to believe they’re getting the best deal in town, if stores can bury these fees at the register, they are going to. It’s really going to come down to consumers understanding that the price they see displayed is often only a small part of the equation. Armed with this knowledge they can determine who really has the best deal in town.So buyers of liquor beware.  It’s up to you to do the math and know exactly what you are paying for your spirits, with fees included. Then you can truly comparison shop and recognize a “good deal” when you see it.“We are competitively priced at T-Brother’s,” states Thielen. “But, I talk to people all the time who don’t realize they are paying more at other stores than just the display price. Therefore they don’t realize they are rarely getting a better deal. It’s very frustrating, but we’ve made a decision to give our customers the straight skinny when it comes to the added fees.  As a local business owner, I have to look people in the eye and when I do, I want them to know that we aren’t trying to pull one over on them. We will continue to provide a much broader selection, a more knowledgeable staff, and display the price of liquor with all taxes and fees included.  We think that many consumers value this approach and appreciate that from there local liquor store.”If you want more selection and a fair price that doesn’t change at the register. You might want to purchase your groceries at the grocery store and then pop on down to Plum and Fifth in downtown Olympia to see what your local liquor store can do for you. But go ahead and leave the calculator at home, you won’t need it. The local guys have made it easy for you!T Brothers is owned and operated by lifetime Olympia residents Andy and Mike Thielen. Facebook9Tweet0Pin0last_img read more

Tribute To Overlooked Red Bank Legend Opens This Fall

first_imgBy Chris Rotolo |RED BANK – Near the edge of town sits a pile of bricks that are coated in 150 years of dirt, grime and the sands of time.These bricks were once strewn about a decrepit and dilapidated construction yard on Drs. James Parker Blvd., a historically significant site that was overlooked and forgotten, much like the man who owned a home there, T. Thomas Fortune.Thanks to the vision of the T. Thomas Fortune Foundation and the efforts of local developer Roger Mumford, some of those bricks have been gathered up and placed at the base of the restored T. Thomas Fortune House, the future location of a cultural center named in the historical figure’s honor.“I enjoy using my platform to work on creative projects and when I came across this site and learned of the group of people who wished to restore it, as well as their goals for the cultural center, I thought I could help make it a win-win-win situation for all parties involved, including Red Bank,” Mumford said.“It’s an interesting project because the goals of the cultural center are fundamentally consistent with my own belief system,” Mumford said. “I think there is a tremendous amount of disharmony in this country and I would rather propose a solution and become involved, rather than sit by the side.”Mumford’s choice to act aligns with the sensibilities of T. Thomas Fortune and his work is revitalizing the legend of a significant local figure and a minimized – if not completely missing – link in the history of the Civil Rights Movement.“His history is absolutely overshadowed, because he is really the bridge to the modern-day Civil Rights Movement that we know was led by Martin Luther King,” said Gilda Rogers, T. Thomas Fortune Foundation vice president.On Feb. 24, Rogers helped lead a Foundation-presented event at the Long Branch Public Library titled, “Reading Fortune: A Voice for the Ages.” There group members and local religious leaders read selections of Fortune’s poetry, personal letters and newspaper articles that revealed the true historical significance of the Red Bank resident who was born a slave, but died a revered journalist, political activist and thinker.T. Thomas Fortune Foundation Vice President Gilda Rogers addresses the audience at the Long Branch Public Library on Feb. 24 during the foundation’s “Reading Fortune: A Voice For the Ages” event. Photo by Chris Rotolo“He was a visionary political organizer and really helped open doors for future Civil Rights leaders,” Rogers explained. “He organized people to bring forth the national Afro-American Council, which was the predecessor to the NAACP. He was doing things that, when you pivot to the Civil Rights Movement, they just picked up where he left off.”A similar event was held at the library in Red Bank on Feb. 21.Born in 1856 in Jackson County, Florida, Fortune would eventually work as a local news reporter, before attending Howard University and relocating to New York City in 1879. Over the next two decades he would become editor and owner of the “New York Age,” the nation’s leading black newspaper.While living in Red Bank in 1898, Fortune helped found the National Afro-American Council, which featured such prominent members as Booker T. Washington, famed journalist W. E. B. Du Bois – whose first writing job came from Fortune – and Ida B. Wells, another revered southern journalist whose Memphis printing press and publishing offices were destroyed in 1892 by a mob opposed to her anti-lynching articles.But Rogers believes Fortune’s longest-lasting contribution to the Civil Rights Movement and modern society was his love for all people. According to her, it’s that sentiment that will be at the heart of the cultural center.“He was very radical and ahead of his time in the way that he thought, fought and spoke with an obvious love for his own race. But he really had a love for all and fought for all people; not just black people, but anyone who was dealing with any sort of injustice,” Rogers said.“That’s why I’m so excited for the opening of the cultural center. Because it will be a place that opens its doors to everyone and educates anyone who wants to learn about T. Thomas Fortune and the energy he brought to Red Bank at a very important time in our history.”The T. Thomas Fortune Cultural Center is expected to open this fall.This article first appeared in the March 1-8, 2018 print edition of The Two River Times.last_img read more

Walton backstops Leafs to 5-2 win over Castlegar Rebels in Murdoch showdown

first_imgBy Bruce FuhrThe Nelson Daily SportsLast season Castlegar coach Steve Junker had the luxury of knowing he had a netminder that could steal a game on any given night.Friday he saw that same goalie snatch two points from the palm of his hands.Leaf goalie Andrew Walton came back to foil his former mates, stopping 32 of 34 shots en route to backstopping Nelson to a 5-2 Kootenay International Junior Hockey League win before a crowd of 488 at the NDCC Arena.The Leafs, scoring four times on the power play, climbed to within a single point of the Rebels in Murdoch Division standings.“It was a combination of things, (Andrew) had a terrific game . . . he was a wall back there for them,” Junker told The Nelson Daily following the Murdoch Division loss.“And without a doubt our penalty kill wasn’t too good tonight. That’s the other reason why we lost.”Despite firing only four shots at Rebel netminder Jordan Gluck during the first period, it was Nelson that finished the opening 20 minutes with a 2-1 lead. Fact is, at one point of the frame Nelson had only two shots but both were goals as Nick Newman and defenceman J.J. Beitel put the puck past Gluck.But the lackluster start caught up to the Leafs as Anthony Delong, late in the first period, and Kootenay Ice call-up Quinn Klimchuk, 33 seconds into the second, tied the game at 2-2.That’s when Walton time took over.Despite facing 23 shots during the final two periods, Walton, earning first-star accolades, stood tall making gave-saving stops off brother Stuart and the Rebels’ second leading goal scorer, Delong.“Just having (Andrew) in net is a terrific confidence boost for us,” Newman, who finished the game with five points, said when asked about the Leafs No. 1 goalie.“We know no matter what he’s always going to be there to back us up . . . he’s our last line of defence.”After Klimchuk tied the game on the power play, the Leafs special teams went to work.Linden Horswill gave the Leafs the lead for good, combining with Newman and Beitel with the man advantage.Colton Schell pounced on a rebound to roof a shot past Gluck, once again, with the man advantage.In the third Newman put the game away as his shot trickled past Gluck for the fourth special teams goal of the game for the Leafs.“It’s a real big win,” Newman said. “It’s huge because these guys are right ahead of us in the (Murdoch Division) standings.”Nelson now has a few days off to prepare for an early week road trip to Kimberley.For Castlegar, the Rebels get right back at it Saturday when Summerland Steam invades the Community Complex Arena.GAME NOTES: Leaf forward Colton Malmsten didn’t see very much time on the ice Friday. The native of Yellowknife earned a quick trip to the showers after receiving two 10-minute misconducts midway through the game. . . .Nelson’s newest edition, forward Marc Lepine, finished the game with no points. The 18-year-old Edmontonian came to the Leafs from the Golden Rockets Sunday in exchange for defenceman Riley Henderson. Nelson coach Frank Maida made the deal due to an abundance of rearguards and only 12 healthy forwards on the roster. Lepine, at 5’10”, 180 pounds, had two goals in 22 games for the Rockets. . . . Castlegar played its first game without defenceman Joren Johnson. The 17-year-old South Slocan product recently signed with Trail of the B.C. Hockey League. Castlegar coach Steve Junker said Johnson’s departure is a huge loss to the Rebel blueline. . . . Beaver Valley continued its red-hot play, winning its 10th straight game 5-1 over Spokane Braves Friday.sports@thenelsondaily.comlast_img read more

Ouch — did that ever hurt watching Rebels pound Leafs

first_imgOuch, did that ever hurt.Castlegar Rebels waltzed into the NDCC Arena and put a good old fashion 8-2 whipping on the Green and White in Kootenay International Junior Hockey League action Saturday night in the Heritage City.The loss was especially disappointing for a Leaf team that appeared to be turning the corner in the Murdoch Division — registering points in its last five games to climb into second spot in the standings.last_img