Lunch is served at noon weekdays at the Simi Valley Senior Citizens Center, 3900 Avenida Simi. Suggested donation is $5, or $2.25 for those 60 and older. Reservations must be made 48 hours in advance by calling (805) 583-6365. Lunch is served to Moorpark seniors at noon weekdays in the Moorpark Active Adult Center, 799 Moorpark Ave. Suggested donation is $2.25. For information, call (805) 517-6261. All meals are served with bread, dessert and fat-free milk. Here is this week’s menu: Monday: Chicken a la king, broccoli, yellow beans. AD Quality Auto 360p 720p 1080p Top articles1/5READ MORESanta Anita opens winter meet Saturday with loaded card Tuesday: Beef and mushrooms with pearl onions, vegetable blend California, peas. Wednesday: Boneless chicken fricassee, green beans, yellow wax beans. Thursday: Stuffed cabbage rolls, broccoli, vegetable blend California. Friday: Cook’s choice. 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!
PSG are closing in on a deal to land Bayern Munich centre-back Jerome Boateng.The 29-year-old has established himself as one of the world best central defenders during his seven years at Bayern, who he joined from Manchester City in 2011. He also has three German cups and Champions League crown to his name 2 So it came as a surprise when it emerged that the Bundesliga heavyweights would be open to selling Boateng this summer for the right price.Manchester United are desperate to bring in a new centre back before the close of the window, with the likes of Harry Maguire and Yerry Mina on their radar.And Boateng is said to be high on their wish list given his pedigree at the highest level. However, any return to Manchester looks unlikely for the former City man, with PSG now close to agreeing a deal to sign him.It has been reported that Boateng has already agreed personal terms with the Parc des Princes giants after the club’s sporting director Antero Henrique rushed back from Singapore in order to discuss the switch.Now it is just down to the two clubs to agree a fee and Culture PSG have claimed that they are now only £9m apart in their valuations following intense negotiations. 2 Boateng has won six Bundesliga titles in seven seasons GETTY
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
The heart of the SKA, consisting of a phased array which will be able to observe the whole sky, surrounded by a compact arrangement of small dishes. (Image: Jodrell Bank Astrophysics Centre) Small receiving dishes with solid surfaces. (Image: SKA website) The SKA will unlock some of the long-held secrets of the origin of the universe. (Image: NASA archives)Janine ErasmusSouth Africa and Australia are the only two countries left on the shortlist to develop the most sensitive and advanced telescope in the world – the Square Kilometre Array, or SKA. Further studies of the two contending sites are currently underway and a decision on the project, which will cost about R20-billion, is likely to come in 2008.Once the host country has been named, it is expected that construction on the first stage of the telescope will take place between 2011 and 2014. The SKA will be ready for full operation by 2022.South Africa’s preparations are gathering pace. In March 2008 the team took possession of 14 000 ha of land in the Karoo, Northern Cape, for the proposed location of the core of the array. Further developments include the imminent signing into law of the Astronomy Geographic Advantage Bill, which has received final approval from the National Assembly in Parliament. Once passed the bill allows the minister of science and technology to declare a 12.5-million ha portion of the Northern Cape province as a reserve that is radio frequency-free across all wavelengths.By January 2009 it is anticipated that an on-site facility here will be up and running, followed shortly by the installation of power and fibre optic networks. The main control centre, located in Cape Town, will go live in December 2009.Bringing African partners togetherA conference held in Johannesburg in April 2008 saw engineers and scientists from all over Africa coming together to give further impetus to the bid, which will be a scientific boost not only for South Africa but for the entire continent. This follows a conference in Australia earlier in the month, where the preparatory stage of the SKA project, known as PrepSKA, was launched. South Africa presented a report on its bid progress, which was reportedly well received by delegates, among them representatives from international funding agencies as well as government officials, industrialists and scientific professionals.South Africa has also conducted talks with neighbouring countries to bring them in as hosting partners on the SKA project, at the same time giving them the opportunity to initiate relevant science programmes at home. At the recent Johannesburg conference the countries agreed in principle to enter into bilateral programmes relating to SKA with South Africa, including the mutual development of skills and technology.Meanwhile the international scientific community is gearing up to collaborate in the development of the mega-scope, which will consist of more than 3 000 individual dishes with a total receiving area of approximately one million square metres, or one square kilometre. Analysis of all the data pouring in will require powerful computing and super-fast data networks.SKA is expected to help astronomers understand the Dark Ages, the period during the universe’s formation when only gaseous forms existed, before stars and galaxies took shape. The Dark Ages existed from about 300 000 to one billion years after the so-called Big Bang, and it was only towards the end of this period that young galaxies began to form. What happened in between remains a scientific mystery.Current technology struggles to pick up the radio signals emitted during this time because they are so faint. The SKA, with its highly sensitive antennae and receiving area that is one hundred times more extensive than the largest receiving surface in existence at the moment, is designed to answer these scientific questions. By studying the properties of the first luminous objects in the universe SKA will be able to provide hitherto unknown details about them.Project leader Dr Bernie Fanaroff described the SKA as having the capability to provide an image of the universe as it was 14 billion years ago. “SKA is the world’s biggest ICT project,” he said.A southern hemisphere location for SKASouth Africa’s bid is one of four submitted in December 2005. The other three came from Australia, China, and Argentina/Brazil, and were evaluated by the International SKA Steering Committee (ISSC). Physics professor Justin Jonas of Rhodes University is South Africa’s representative on the panel.South Africa came in as a late bidder but, says Science and Technology Minister Mosibudi Mangena, the country has excelled itself in becoming one of the two shortlisted candidates. The location for the central core of the array will be in the Northern Cape province, with outer stations extending away from it in a spiral pattern. “If the SKA is built in South Africa, the face of the Northern Cape will be transformed, and the province will have the opportunity to become a centre of high-tech expertise,” says Mangena.According to SKA South Africa, the country is in a strong position to secure the bid for a number of reasons. It is still cost-effective for overseas companies to invest in South Africa, with its comparatively cheap electricity and affordable labour. There is a strong network of infrastructure such as roads and communication, much of which is already in place.The geographical location is ideal, with a dry climate, ample coverage of the sky and minimal interference from sources such as mobile phones and air traffic.South Africa’s academic resources to support the SKA are excellent, and with other important related sites such as the Southern African Large Telescope at Sutherland in the Karoo, and the HESS gamma ray telescope in Namibia, the region is making a name for itself as a player in the field of astronomy.With the SKA located in South Africa, high-level skills in this field will be needed. The Department of Science and Technology, from as far back as 2006, has made funding available for graduate study specifically centred on the SKA and its component, the Karoo Array Telescope (KAT), affectionately known as MeerKAT. A meerkat is a type of mongoose that belongs to the species Suricata suricatta. The name is Afrikaans and means marsh cat, although they are neither cats nor marsh-dwellers but rather live in dry regions of Southern Africa.South Africa will become a major centre for fundamental physics, astronomy and engineering, says Mangena, attracting the best scientists and engineers in the world. This will contribute more momentum to the development of skills and expertise in the field, giving South Africa the ability to contribute to the global knowledge market.Finding the best locationNot many countries are suited to host the SKA because the core of the array must be located in a suitably remote area so that transmissions from televisions and mobile phones, which fall into the same frequency band, won’t interfere with the reception – 100 km of radio signal-free space all around is the minimum requirement.In addition, the array cannot be situated between 25o N and 25o S. This excludes almost the entire area of the earth between the Tropic of Cancer, which lies at 23° 26′ 21″ N, and the Tropic of Capricorn which lies at 23° 26′ 21″ S. In this region, known as the tropics, the ionosphere – the uppermost part of the atmosphere – is particularly sensitive to variations in the sun’s light and electromagnetic radiation passing through it is more likely to be disrupted. This phenomenon is caused by the equatorial electrojet, a moving band of electric current that flows in an easterly direction around the equatorial region of the ionosphere during the day.The core also needs to be conveniently close to major centres. Finally, the array must be positioned away from the earth’s poles so that it can cover a large enough portion of the sky.The SKA South Africa array will cover most of Southern Africa. The core and its surrounding central sites will extend in a radius of 150 km around it, with remote sites situated further than 150 km. Some of these are as far afield as Madagascar, Mauritius, Namibia, Botswana, Zimbabwe and Zambia, with one each in Kenya and Ghana.SKA is underwaySouth Africa has already embarked on the road to SKA with the construction of MeerKAT near Carnarvon in the Northern Cape. MeerKAT is a SKA prototype which cost almost R900-million to develop. Consisting initially of a single dish built at the Hartebeesthoek Radio Astronomy Observatory in Gauteng, the second stage is now in development. This is the KAT-7 with seven 12 m dishes, and the final stage, likely to be commissioned in 2009, will consist of 80 such dishes when completed in 2012.MeerKAT will be developed into the SKA, should South Africa receive the green light for the project. The facility will boast cutting-edge technology which will enable it to explore such unknown factors as dark matter, and the evolution of galaxies.Related storiesAfrican eyes on the universeUseful linksSKA South AfricaSKA telescopeMeerKATHartebeesthoek Radio Astronomy ObservatoryDepartment of Science and TechnologySouth African space portalNational Research Foundation
Wimbledon champion Garbine Muguruza tamed Kirsten Flipkens 7-5, 6-2 to reach the third round of the Rogers Cup on a blockbuster Wednesday at the Canadian hardcourt event with eight of the world’s top 10 in action.Muguruza, the world number four, led the day-long parade of top seeds onto court and needed 85 minutes to dispatch the Belgian qualifier before turning the stadium over to newly-minted Czech world number one Karolina Pliskova who will play her first match as the top-ranked player against Anastasia Pavlyuchenkova.Despite an unthreatening world ranking of 82, Flipkens represented a tricky first test for Muguruza with the Spaniard holding only a slight 3-2 edge in their head-to-head meetings.Both players were making their third appearance at the Canadian event with Flipkens having found more success after advancing to the third round in 2013. Muguruza had managed just one match win in her two previous visits.”It (first set) was tough, Kirsten is such a talented player…I’m very happy that I finally did it,” said Muguruza in a courtside interview. “I tried to reduce the mistakes I made in the first set and I was a little more lucky there, I just wanted it so much.”Muguruza was tested during an uneven opening and served for the first set at 5-4 before double faulting to hand Flipkens a break.The world number four hit back with a break of her own and then held serve to clinch the opening set, despite 30 unforced errors.Muguruza looked much more like the player who dropped only one set on her way to the Wimbledon title after that and collected the early break in the second set to take control of the contest.advertisementAmerican teenager Catherine Bellis continued her brilliant form on the North American hardcourts by taking down eighth seeded Russian Svetlana Kuznetsova 6-4 7-5 to reach the third round.The 18-year-old arrived in Toronto after reaching the semi-finals last week at Stanford.
Categories: Berman News 30May Rep. Berman: Auto insurance reforms to bring Oakland County drivers savings, protections Long-overdue auto insurance reform supported by Rep. Ryan Berman was signed into state law today, guaranteeing lower rates for drivers in Oakland County and across Michigan.The bipartisan reforms – approved earlier by Berman and the Legislature – give drivers more choice on personal injury protection (PIP) coverage, combat fraudulent claims and take steps to rein in medical costs. Berman said depending on the PIP coverage level chosen, motorists could see hundreds of dollars or more in cost savings each year.“During the last five months I’ve heard from countless people about the need to reform our state’s no-fault system,” said Berman, of Commerce Township. “This bipartisan plan guarantees rate reductions for all Michigan drivers and reduces medical costs for auto accident victims.”Michigan has had the most expensive auto insurance in the nation mainly because it was the only state mandating unlimited lifetime health care coverage through car insurance, without any cost containment. The new law will provide drivers more affordable options while allowing those who currently use the unlimited coverage to keep it, and those who want it in the future to continue buying it.Starting in July 2020, many drivers will be able to opt out of personal injury protection altogether, including seniors with retiree health coverage such as Medicare and those with health insurance policies that cover auto accident-related injuries. Others will be able to continue with unlimited coverage or choose PIP limits of $250,000 or $500,000. A $50,000 option will be available for drivers on Medicaid.Other reforms include:A fee schedule to rein in runaway costs that result from medical care providers charging far more to treat auto accident victims than other patients.Non-driving factors, such as ZIP codes, home ownership, and educational level, cannot be used to determine rates.An anti-fraud unit will help crack down on those abusing the system, helping further lower auto insurance rates.