jermain defoe is in newcastle’s wwe, rustling some geordies pic.twitter.com/blpmZyI7mR— follow @leehoare3 (@leehoare1) April 9, 2015 1 Jermain Defoe booed by Newcastle fans at a WWE event Days after Jermain Defoe scored a spectacular winner for Sunderland against their Geordie rivals, the striker was unveiled by the WWE as a special guest timekeeper at a live event at Newcastle’s Metro Radio Arena.Understandably the crowd decided against rolling out the red carper and Deofe was roundly booed by the thousands inside.His superb volley earned Sunderland their fifth successive victory against Newcastle and pulled them further from the relegation zone.Watch Defoe enter the arena below.
In this month’s column with Pascal Curran, financial advisor and founder of advicefirst.ie, looks at why pensions should be a young person’s game. Are You Too Young for A Pension?! Before you continue reading, know that the answer – is very likely, no! Ask anyone you know, friends or family in their 50’s and they will say “If only I started saving when I was young.” And so, as a young learner, it’s key to learn from their hindsight. So, should young people worry about pensions?The short answer is – No.Instead of worrying (we’re not a fan!) which solves nothing and causes bad health anyway, they should plan. Pensions are mostly thought of as a savings plan for older people but in reality, this should be jump started earlier in life to ensure simplicity for when you are older. However, because so much of the language that is used to describe and explain pensions is confusing this turns-off the very people that really do need to learn about pensions, how they work – and how they can offer real benefits. Why they matterPensions really do matter to each of us. This is more so because of a raft of changes that have taken place over the last two decades.To begin with, the medical experts predict that we will all live longer.Whether it is as a result of taking better care of our bodies, advances in medical research or innovations in pharmaceuticals, people are living longer (yay!)And, this points to a longer time frame of life post-employment. A longer window which should be spent, worry-free and enjoyed. So, how young is too young for a pensionAre You Too Young for A Pension?Starting out in your first job can be pretty daunting. Your salary sounded like a sweet deal when you signed up, but now each month you’re left feeling as though you’re scraping for change as your income disappears on tax, rent, bills, credit card repayments… And that’s before you add in all those extras, like that gym membership you keep promising yourself you’ll use and the smashed avocado on toast you ordered for brunch last Saturday, washed down with two skinny lattes (!!)With a bank statement already flooded with direct debits, the idea of losing even more money each month to the vague and far-off concept of a pension can seem particularly unappealing at this early stage of your career. Why worry about something that’s decades away? Surely, it’s an unnecessary cost compared with your more immediate plans, such as taking a trip around the world, or buying a property, or getting married, to suggest but a few. It’s saving not spending But contributing to your pension is not just another way to burn through your pay cheque every month. In fact, by paying into a pension, you’re saving your money to use at a later date. And, if you’re paying into your workplace pension scheme, your employer will also usually add in some money, which is in addition to your salary. Money kept in a pension scheme is invested with the aim of helping it to grow over the years to fund your retirement. So, for most people, joining a pension scheme is a great idea. But…Are you too young? There is simply no such thing as being too young to contribute to your pension – it’s a case of the sooner, the better. The longer you spend contributing to your pension, the more money you will have saved by the time you have retired. If you start saving at a younger age, you can also contribute a steady amount each month and avoid desperately scrabbling around for as much money as possible in your forties, when you realise your retirement is looming. Of course, when you first start out on the career ladder you may not be able to afford to contribute much to your pension – but a little each month will go a long way, and you can build up your contributions as your career progresses. There are plenty of helpful pension calculators available online that can help you decide how much money you should tuck away each month, so that you can live comfortably when you retire.For a practical example of this, visit our blog section (www.advicefirst.ie)More time to take risksIf you start to make pension contributions while you’re young, you can take advantage of the lengthy time frame by choosing riskier investments, such as shares, as they will have more time to ride out stock market highs and lows, and could potentially make you more money in the long run. As you approach your retirement, you can switch to safer investments, such as government bonds, and continue saving at a steady pace. Some pension schemes will even do this for you automatically. A financial adviser can explain different pension schemes and different investments to you.If you are lucky enough to receive money from any relatives (for example, a savings account set up by your grandparents), you should consider the idea of putting all or some of this money towards a pension fund. You will reap the benefits, and the money will be stored away until your retirement (guaranteeing you aren’t tempted to delve into it from time to time). This might not seem like the most creative and fun way to use this money, but if you don’t need it for anything in particular at the moment, then your retirement is an excellent investment.How to get startedIf you want to find out more about pensions, we can give you information about your options.As soon as you can afford it, it could be a very positive move to start contributing to your pension. Just consider it as another small cost you need to budget for each month. Even swapping your daily barista-made cappuccino for a home-brewed blend could give you enough of a budget to start. After all, €3 a day is €21 a week, or €84 a month. And contributing just €84 a month to your pension fund early in your working life could set you up for a more secure future.Each month Pascal will provide financial advice on the most frequently asked topics – here on Donegal Daily and is looking forward to further breaking down the barriers around financial advice in his renowned experienced and jargon-free way! If you would like to book a no obligations consultation with Pascal, click here or simply call +353 74 910 39 38 to talk to us today. Follow us on Facebook & Instagram Advice First Financial Services Ltd trading as Advice First Financial is regulated by the Central Bank of Ireland.Pensions: Should young people worry about them? – with Pascal from Advice First was last modified: July 5th, 2019 by Pascal CurranShare 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:advice firstmoneyPascal CurranpensionsSaving
Scientists could do themselves a favor by getting off the materialist merry-go-round and contemplating their Creator’s purpose for their lives.Numerous articles in the past decade have bemoaned the worrisome increases in scientific fraud, malpractice, and sloppiness (e.g., 23 Sept 2017). Is there a fountainhead of integrity that can help? Can secular scientists get it from Darwinian theory? (12 March 2009).Religiously engaged adolescents demonstrate habits that help them get better grades, Stanford scholar finds (Stanford News). Stanford University researchers, not particularly friendly to “religious” outlooks, found some desirable traits in “religiously engaged adolescents.” These are students that not only believe in God, but consider their faith a key factor in their lives. Carrie Spector writes,The findings indicate that religious communities socialize adolescents to cultivate two habits highly valued in public schools: conscientiousness and cooperation. Religious engagement may influence grades more than researchers realize.“The United States is a highly religious country, and religion is a powerful social force,” said the study’s author, Ilana Horwitz, a doctoral candidate at the GSE. “If we, as education scholars, are trying to understand adolescents in America, we should pay attention to this very important part of their life.”One must realize that secular researchers often lump many disparate groups into the word “religious” even though the differences may be far more profound than the similarities. Students being trained to hate Jews and become soldiers in violent jihad at a madrassah may have vastly different values than Christians. “Religiosity” becomes a vacuous designation when the content of belief is ignored. Indeed, it could be argued that secularists are ‘religious’ in terms of having reliance on a worldview that determines their reason for being and attitudes about life. In fact, everyone exercises faith (search on “people of faith” in the Darwin Dictionary).With the researchers’ nondescript word “religious” in mind, it’s instructive that they used a term Jesus Christ used for those who are ‘religiously engaged’ — abiders. Jesus instructed his disciples to “abide” in him like a branch connects to a vine (John 15): drawing its nutrition and life from the source. Only in this way can a branch fulfill its purpose to bear much fruit. Can we read between the lines of the report to see that the researchers are primarily considering abiders in the Judeo-Christian forms of faith – i.e., those who get their values from the Bible?Horwitz assigned each respondent to one of five common “types” of religiosity using a classification system developed by sociologists Melinda Lundquist Denton and Lisa Pearce. At one end of the spectrum were abiders— those who attend religious services, pray on a regular basis, feel close to God, and emphasize the role of faith in their daily lives. On the other end of the spectrum were avoiders— those believe that a God exists but avoid religious involvement and broader issues of the relevance of religion for their life.Abiders, Horwitz found, earned significantly better grades on average than the avoiders. Abiders had an average GPA of 3.22, compared with 2.93 among avoiders.“Being religious helps adolescents in middle and high school because they are rewarded for being obedient and respectful and for having self-control,” Horwitz said.If these positive behaviors carry on to other spheres of life, it’s clear that scientific institutions would benefit from members who show respect, self-control, diligent study, cooperation, and conscientiousness. Are scientists not students themselves, needing to call on these values to understand nature and get better grades on the test of reproducibility?Promiscuous America—smart, secular and somewhat less happy (Medical Xpress). For contrast, let’s examine the kind of people lacking those qualities. It takes no self-control to be promiscuous, and little respect, although non-violent “cooperation” might be a requirement. But even criminals know how to cooperate, as the phrase “partners in crime” indicates. This article says that young men are currently engaging in less sex outside marriage than before (the old word was “fornication”), while women are becoming more “adventurous.” But adventurism outside the purpose of sex in family life is not making them happy. Results from a survey of 30,000 respondents indicated that “younger Americans are having sex with fewer people than their boomer or gen X elders.”Promiscuous America is urban, adulterous, secular, politically progressive and more educated, Wolfinger found. Indeed, Americans with postgraduate degrees are the most likely to be promiscuous.He also found that the most promiscuous people report being less happy, which he attributes to marital status. Promiscuous survey respondents are less likely to be married and more likely to be divorced.…“The happiness story changes when promiscuous Americans get married,” Wolfinger said.Are evolutionary scientists among the unhappy fornicators? There are no statistics about that in the article. However, it seems likely, given liberal attitudes about family values (e.g., 24 March 2018), that those who embrace Darwinian evolution would also tend to be “urban, adulterous, secular, politically progressive and more educated.” Being more educated is not necessarily virtuous. It depends on the content of the education. “Mere education is not enough,” old preacher and college president Bob Jones (1883-1968) used to say. “You cannot put a man in the penitentiary for forgery until you first teach him to write.” The film A Beautiful Mind showed John Forbes Nash as a grad student treating sex with a cheapness that bordered on contempt. He dispensed with any attempt to woo a woman on campus, telling her outright he wanted to have sex with her. Why was she shocked? Would that attitude not be a logical outcome of an evolutionary worldview that views humans as evolved primates with no obligation to a Creator, out to fulfill their urges? His only happiness, as portrayed in the film, came when he conjured up as much self-control as he could. That seems a very anti-Darwinian strategy.The Source of VirtueSix-year-olds can cooperate to protect common assets (Nature). Evolutionists have to believe that all the virtues listed above among the “abiders” have their roots in natural selection. They certainly ascribe “cooperation” in animals as small as bacteria to unguided Darwinian processes. Christians and Jews, by contrast, believe all humans have a conscience and are created in the image of God, even if that image was corrupted by sin. This article shows that primary children are observed to solve the puzzle of the “tragedy of the commons” by learning to work together. Which view of human nature explains this? Why would the material “selfish genes” of Darwinist Richard Dawkins make children cooperate? Evolutionists can explain such behaviors after the fact, but not from their foundational belief that selfishness is the highest good.Secular scientists can’t cook up their own self-control, diligence, cooperation, conscientiousness or integrity. They have to borrow those goods from the Christian smorgasbord. Tell them they can’t get away with that any longer without paying the price. “Enter by the narrow gate. For the gate is wide and the way is easy that leads to destruction, and those who enter by it are many,” Jesus warned. “For the gate is narrow and the way is hard that leads to life, and those who find it are few” (Matthew 7:13-14).(Visited 268 times, 1 visits today)FacebookTwitterPinterestSave分享0
14 January 2008South African winemaker Stormhoek has gained international recognition in the wine industry for its innovative marketing strategy, which makes use of a blog that attracts over a million hits a day. It currently supplies wine to the domestic market as well as to the US, UK, Norway and Sweden.Addressed delegates at a Wesgro exporters meeting in November, Stormhoek co-owner Graham Knox explained how his company had gained a competitive edge in the international wine market. Wesgro is the official trade and investment promotion agency for the Western Cape province.According to a Wesgro statement, Knox told the delegates that the company, which was launched in 2003, had decided to sell their wines wherever there were trade opportunities and where they could get distribution. More importantly, the company decided to market itself using the internet rather than traditional advertising mediums such as television and magazines.Knox told them that blogging has an enormous potential reach and remarkably low cost, while allowing for interaction between a company and its customers.To attract people to the blog, Stormhoek got a prominent blogger to publish a piece, offered people a free bottle of wine if they commented on the blog, and also published a premier UK liquor store’s discount voucher on their blog. In 10 days the store had 4-million redemptions, almost all of which were downloaded from the Stormhoek website, doubling their turnover.Continuous interactionKnox says that blogging is a powerful marketing tool, particularly for small business owners who don’t have the time to learn web-based languages or the money to hire a web designer or developer.He adds that blogging offers an inexpensive alternative to get a company’s name out on the internet quickly, and more importantly, that a blog is immediate, allowing for a company to continually interact with its clients and cater to their needs, helping to create a sense of loyalty among them.Stormhoeks’ blogging campaign has been recognised by its peers in the South African marketing community, with sales having grown over fourfold since April 2005, when the first Stormhoek blog was posted on the internet.In addition to their blog, Stormhoek also has a group on social networking site Facebook, a video channel on YouTube and an RSS feed that enable readers to keep up to date with the latest news on the blog.For its innovative approach to marketing its wines, Stormhoek was included in the American Marketing Association’s World Marketing Top 50 Brand Awards in 2006. Some other winners in this category include Nike, Apple, Microsoft, McDonald’s and Toyota.Stormhoek also won the 2007 Grand Prix for best Brand Marketing Campaign in South Africa, at the Sunday Times Marketing Excellence Awards ceremony.SAinfo reporter Want to use this article in your publication or on your website?See: Using SAinfo material
Visitors put themselves to work cleaning kennels at the centre, bathing the dogs and puppies, and spending time with the staff responsible for the day-to-day running of the animal shelter. (Images: Mathiba Molefe)Volunteers converged on the Ark Animal Centre in northern Johannesburg on Sunday, 8 May, to join a Going the Extra Mile (GEM) initiative to get the tails of dogs wagging again.The visitors put themselves to work cleaning kennels at the centre, bathing the dogs and puppies, and spending time with the staff responsible for the day-to-day running of the animal shelter.Play Your Part, a Brand South Africa programme to promote active citizenship, has partnered with GEM in its events to uplift disadvantaged communities and improve the standards of living for all – animals included. GEM’s work is coordinated through an app that rewards people for doing good.Tracy Otto, the founder and manager of the Ark Animal Centre, said “I think spaces like GEM are fantastic because they’re actually building awareness. For us to get word of our work out there is difficult, but now there’s another outlet which is GEM.“It’s motivating people that wouldn’t normally come here for two or three hours. They see what we’re doing and they realise that there is a need and a way for them to help.”There were smiles all round as visitors got to share in some of the positive energy going around at the Ark Animal Center.ARK ANIMAL CENTREOtto said the main aim of the home is to rescue, rehabilitate and rehome puppies that had been abandoned or brought there by owners unable to care for them.“At the moment I’d say we’ve got about 80 puppies here. Two weeks ago we had about 140, so we’ve managed to home quite a lot since then.“It’s very hard to work here sometimes because you see a lot of things that you don’t want to see,” she said. So what makes it worthwhile? “It’s the end result: when you see a puppy that has come here from a terrible place and it leaves with the best family – and it’s healthy and happy. That’s what drives us, and you can’t walk away from that.”“When you see a puppy that has come here from a terrible place and it leaves with the best family – and it’s healthy and happy. That’s what drives us, and you can’t walk away from that.” Tracy Otto, founder and manager of the Ark Animal Center.GOING THE EXTRA MILEThe GEM social development drive aims to get the public to help NGOs. It also fosters a sense of community and makes a positive difference to people’s lives.GEM offers incentives for volunteers through its app. They earn “gems” for every good deed, which can be redeemed for airtime, prepaid electricity and even movie tickets.Volunteers also have the option of donating their gems to the cause of their choice, helping in the day-to-day running of organisations like the Ark Animal Centre.Lisa Wilkinson, one of the volunteers who heard about the Ark Animal Centre through GEM, said she first joined GEM’s activations when she helped raise money for Gift of the Givers during relief efforts after the 2014 xenophobic attacks.“From then on I’ve tried to do a GEM event every weekend that I am available,” she said. “I try and do as much work with GEM as possible because it’s an amazing initiative.”Kimberly Japp, another GEM volunteer at the animal shelter, said even the rewards could do good. “The best part is that you can donate your GEMs to the project that you’re working for, so it doesn’t have to go to you, it can go to them.”Kimberly Japp, another GEM volunteer at the animal shelter, said even the rewards could do good. “The best part is that you can donate your GEMs to the project that you’re working for, so it doesn’t have to go to you, it can go to them.”GET INVOLVED WITH GEMEncouraging active citizenship among South Africa’s people is one of Play Your Part’s key objectives. By partnering with GEM and other social initiatives, the campaign looks to increase its reach and drive more citizens to take action and offer their time, energy and resources to help wherever they can.For more information on how to get involved in your community and to keep track of the activities in and around your area, visit the GEM website or download the application from the Apple App store or the Google Play Store.Encouraging active citizenship among South Africa’s people is one of Play Your Part’s key objectives. By partnering with GEM and other social initiatives, the campaign looks to increase its reach and drive more citizens to take action.PLAY YOUR PARTAre you playing your part to help improve the lives of those around you or the environment? Do you know of anyone who has gone out of their way to help improve South Africa and its people?If so, submit your story or video to our website and let us know what you are doing to improve the country for all.
The Supreme Court on Thursday denied a plea for anticipatory bail made by commentator Abhijit Iyer-Mitra, days after his derogatory tweets on Odisha’s Konark temple and Odia culture triggered a storm of protests in the State Assembly and outside.A three-judge Bench, led by Chief Justice of India Ranjan Gogoi, said this was not a case for granting bail. “You are inciting religious feelings. How are you entitled to bail?” the Chief Justice asked counsel for Mr. Mitra.Counsel said his client was facing threats to his life. “If you are facing threats, there is no better place than a jail,” Chief Justice Gogoi responded.Mr. Mitra is accused of deliberately attempting to outrage religious feelings, promoting enmity on the grounds of religion and offences under the Information Technology Act.Mr. Mitra was arrested on September 20 by the Odisha police in the national capital. The Odisha Assembly had adopted a privilege motion on September 20 against the journalist for his alleged derogatory remarks.(With inputs from PTI)
Sports venues to be ready in time for SEA Games PLAY LIST 00:59Sports venues to be ready in time for SEA Games01:33Leo Austria, SMB wary of ‘more experienced’ Hotshots ahead of PBA Finals rematch01:27Filipino athletes get grand send-off ahead of SEA Games01:29Police 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 Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City Williams made 18 shot attempts on Wednesday in the KaTropa’s 90-85 win over Kia, the most he ever took since he became part of the TNT franchise in 2010.READ: TNT halts Kia to climb to third seed FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSLillard, Anthony lead Blazers over ThunderSPORTSMalditas save PH from shutout“It felt awkward today, so something had to be different,” said Williams who finished the game with 23 points, eight rebounds, and 11 made attempts. “It felt good to shoot and be free.”TNT played without center Moala Tautuaa, who was suffering from food poisoning, and Williams took it upon himself to be the offensive focal point in the KaTropa’s frontcourt. MOST READ Slow and steady hope for near-extinct Bangladesh tortoises Typhoon Kammuri accelerates, gains strength en route to PH NEXT BLOCK ASIA 2.0 introduces GURUS AWARDS to recognize and reward industry influencers Read Next John Lloyd Cruz a dashing guest at Vhong Navarro’s wedding LATEST STORIES Globe Business launches leading cloud-enabled and hardware-agnostic conferencing platform in PH With offcourt issues settled, Calvin Abueva unleashes ‘Beast 2.0′ Prior to TNT’s fourth win in seven games, Williams was just averaging 10 field goal attempts, almost half of what he attempted on Wednesday.READ: Kelly Williams rides ‘Angkas’ to beat traffic for TNT game“You know being aggressive is in every player’s mindset,” said Williams, who played his first four years with Sta. Lucia where he won the MVP in 2008. “You want to do the best that you can with the minutes you have.”“I always tell that to the younger guys that they should always take advantage with the time because you never know what can happen if you make the best out of it.”ADVERTISEMENT Kammuri turning to super typhoon less likely but possible — Pagasa 2 ‘newbie’ drug pushers fall in Lucena sting Kelly Williams. PBA IMAGESKelly Williams left Mall of Asia Arena with a cathartic feel knowing full well TNT just climbed three steps to get to the third seed of the PBA Philippine Cup.Yet for the 6-foot-7 forward, knew something else was different.ADVERTISEMENT Brace for potentially devastating typhoon approaching PH – NDRRMC Don’t miss out on the latest news and information. View comments