By Leigh Guth with Molly C. HerndonPalms get itchy this time of year with folks anticipating their tax refund. All too quickly the refund is here and gone again, spent as quickly as it came. It is important to remember, especially this time of year, that a tax refund is not “free money” – rather it is the return of earned income. PFMs, this year, help others develop a plan for saving the bulk of their refund. For example, by taking a small amount – perhaps 20% – to use that for a fun purchase or a vacation. But, by saving the remaining 80% of the refund, taxpayers can begin improve their family’s financial situation. Here are some considerations to share with your clients:Look at your financial health and consider the year ahead. What debts are you paying off? Do you have a high interest credit card or loan? Check out PowerPay.org to see how much money you would save in interest by paying a lump sum toward your debt. Power Pay will show you which loan you should target and how much quicker you will pay off your debt by using your refund as a debt payment.What crisis could come along? Do you have six months’ worth of living expenses saved for an emergency? What if you were to lose your job? What if you need to repair your car, replace your washing machine, or have a major medical expense? Could you pay for those things without resorting to your credit card? A tax refund is a great way to start an emergency fund that would help handle any of these events.What big events are planned this year?Is there a wedding, summer trip or a graduation in the future? Use your tax refund to open a savings account for this purpose. With a lump sum to start you on your way, adding a small monthly amount can make saving for a special occasion a cinch.Are you saving for your retirement or your child’s education? This tax refund could make a great impact toward any savings goal and can have a positive effect on your taxes for next year.As discussed in a recent post, by using direct deposit for your tax refund, you are already taking a step toward success! Directly deposited refunds arrive faster than a mailed check. By using an IRS Form 8888, you can assign your refund to up to three different bank accounts. So, you could send 20% of your tax refund amount to a checking account reserved for discretionary purchases, then, send the remaining amount to a retirement account or savings account. You can also use this form to purchase up to $5,000 of U.S. savings bonds to add to your retirement or education savings. Now, you are already on your way to improving your financial health in 2012!
A Public Interest Litigation (PIL) petition was filed in the Patna High Court on Thursday against two Minister sons of RJD chief Lalu Prasad Yadav, allegedly for concealing details of their assets in affidavits submitted to the Election Commission during the 2015 Assembly elections. The petitioner sought annulment of the election of State deputy Chief Minister Tejaswi Yadav and Health Minister Tej Pratap Yadav.“Both the Ministers did not disclose their assets in poll affidavits filed to the Election Commission in 2015…I have requested the court to declare their election as null and void,” the petitioner Manibhushan Pratap Sengar told journalists in Patna. The petitioner has also sought a CBI inquiry into the matter.On Thursday, Mr. Modi wrote a letter to Chief Minister Nitish Kumar urging him to sack Tej Pratap Yadav and file a First Information Report (FIR) against him for concealing asset details in his poll affidavit.
The Directorate of Revenue Intelligence conducted searches at national shooter Prashant Bishnoi’s house in Meerut on Saturday night. Leopard and black buck skins, 140 weapons, 50,000 cartridges and ₹1 crore in cash were among the items seized. Mr. Bishnoi is the son of Devendra Kumar, a former Army Colonel. A senior DRI official the search was in connection with a case of disproportionate assets. Police have detained four people for questioning. Antlers, bones, ivory, stuffed deer, sambhar and blackbuck and about 117 kilograms of meat, believed to be that of neelgai, were also seized from the house at Civil Lines here in the western U.P. town. The meat will be sent to labs in Dehradun for testing. No arms licenceThe DRI officials took more than 17 hours to finish the search operation, conducted jointly with the State wildlife and forest department officials and the police. Initially the officials were told by Prashant’s family that the cartridges were given to him by the government for practice. But they were unable to produce the licence. Sanjeev Kumar, a forest department official who was part of the search team, said Mr. Kumar was suspected of running a wildlife poaching racket with his son. “Foreign rifles and pistols were recovered. Licences of arms were not found. The team asked the retired Colonel about his son’s whereabouts, but he has not revealed much, he told the media. Search on for PrashantAs the searches were being conducted, Devendra Kumar told the media that he knew nothing about the alleged activities of his son as he stayed in Bareilly, where he ran a college. “He should be punished if he is engaged in illegal activities,” he told the media.No arrests have been made as yet. Police have been deployed outside Prashant’s house in Meerut. Several teams have been formed to look for the shooter, who is allegedly absconding.
Allegations of attempt to sexually exploit a Class VIII girl have been levelled against the headmaster of a residential school in Kandhamal district of Odisha.According to Kandhamal District Child Protection Officer (DCPO) Rashmita Karan, the father of the victim filed an FIR on Monday against the headmaster of the residential school managed by the Scheduled Castes (SC) and Scheduled Tribes (ST) Development Department of the Odisha government. No one had been arrested till Monday evening.Victim to be counselledMs. Karan said apart from the police investigation, a parallel inquiry would also be taken up by her department. The victim would also be properly counselled so that she does not stop her education because of the incident.As per the complaint filed by the victim’s father, she escaped a sexual harassment attempt at the hands of the headmaster on April 22. Around 2.30 p.m. on that day, the headmaster had called the girl home and engaged her in some domestic work. Later he attempted to sexually exploit her, the father alleged.But the girl escaped from his clutches and ran out of the house through the backdoor. She did not return to her hostel room but reached the Daringbadi bus stand. There she was located by a relative who took her to her village.
“Don’t force us to take coercive action against you,” the Supreme Court on Friday told the Rajasthan government, which sought time for completing the ground-truthing exercise of illegal mining in Aravalli areas. The exercise is conducted to ascertain the empirical evidence at the actual site.It restrained mining from the Modha Pahad area of Jhunjhunu district in Rajasthan and directed the authorities to forthwith stop all the excavations going on.A Bench of Justices Arun Mishra and Deepak Gupta asked the Rajasthan government to furnish all the relevant details of operational leases for mining and names of persons responsible for the destruction of environment by February 15.“Don’t force us to take any coercive action against you. You have not completed the work as directed by the court. Earlier, you have said that the ground-truthing exercise will be completed within three months. There is lethargy on part of concerned authorities. This work needs to be completed by March 4 otherwise we will pull up the Chief Secretary for sheer contempt,” the Bench told the Rajasthan Chief Secretary who was present in the courtroom.Seeks compliance report The top court is dealing with a matter related to alleged illegal mining activities in the Aravalli range.The court asked senior advocate C.S. Vaidyanathan, appearing for the State government, to file compliance report by March 13 and listed the matter for further hearing on March 21.Mr. Vaidyanathan said that due to Assembly elections recently in the State, the work was not completed and now Lok Sabha polls were also approaching.“We want each and every detail of mining. When were the leases granted and by what time these leases are expiring. Which leases are operational and which are closed,” the Bench said.Mr. Vaidyanathan said 24 leases were granted in the area and out of them five were closed for violation of norms and 13 were operational.‘Illegal activities’ The Bench, after perusing the status report, said that the leases which are operational have also been found to be violating the environmental norms. “Under the guise of mining, illegal activities are taking place and encroachments are made,” it said.
After winning out in a classic encounter for the right to bring up the tail of the playoff field, GlobalPort is bracing for a series against what its coach said is the best team in the PBA Commissioner’s Cup.Terrence Romeo drained a tough triple with 8.1 seconds left that helped key the Batang Pier’s 107-106 nipping of Alaska at Mall of Asia Arena on Sunday night for the last quarterfinal slot as GlobalPort gears up for the series of its life against top-ranked Barangay Ginebra.ADVERTISEMENT Pagasa: Storm intensifies as it nears PAR BSP survey: PH banks see bright horizon amid dark global recession clouds LATEST STORIES “We surprised a lot of people,” GlobalPort coach Franz Pumaren said after the gripping win that saw the best of Terrence Romeo at the clutch. ”Justin Harper finished with 32 points and Romeo capped a 26-point night with that dagger triple over Kevin Racal’s pressure defense for 106-104, a sequence of greatness that Pumaren later said typified how thick-faced Romeo is.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSMalditas save PH from shutout“You have to give credit to the guy (Romeo), he was willing to take that shot. In short, makapal talaga ang mukha niya,” Pumaren said in jest of Romeo, who made three of his six triples inside the last five minutes. “It takes a great player willing to take that shot.”Corey Jefferson fired 32 points and had 16 rebounds in Alaska’s eighth straight loss, which ruined Calvin Abueva’s career-high 31 points on top of 13 rebounds. Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: 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 City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games “Ginebra is really peaking at the right time,” Pumaren said of his opponent at 7 p.m. on Tuesday, the first of two games the Batang Pier need to win to march on to the Final Four. “It will be a tough series for us, we’re playing the best team [in the conference] that’s on a streak.”The loss meant that Alaska will be missing the playoffs for the first time under Alex Compton’s watch that dates back to the last eight conferences, where the Aces finished runner-up four times. It will also be the first time that Alaska failed to make it past the eliminations in 14 conferences.Sports Related Videospowered by AdSparcRead Next Palace: Duterte to hear out security execs on alleged China control of NGCP BREAKING: Cop killed, 11 hurt in Misamis Oriental grenade blast Every 18 seconds someone is diagnosed with HIV Cayetano dares Lacson, Drilon to take lie-detector test: Wala akong kinita sa SEA Games BREAKING: Cop killed, 11 hurt in Misamis Oriental grenade blast View comments MOST READ Venus Williams loses in 4th round at French Open Don’t miss out on the latest news and information. Lacson: SEA Games fund put in foundation like ‘Napoles case’
Car-jacking, armed robberies, TCI Police hands full with new gun crimes Related Items:#magneticmedianews, #SeeSomethingSaySomething Facebook Twitter Google+LinkedInPinterestWhatsApp New Gun Crimes unit under construction, says TCI Police Commissioner Facebook Twitter Google+LinkedInPinterestWhatsAppTurks and Caicos, July 25, 2017 – Providenciales – Illegal landing of a suspected Haitian boat yet again in NW Provo last night and yet again anything and everyone aboard the vessel got in without apprehension. There are no details at this hour including how many people, if this was another speed boat drop off or the precise time of the landing.What is clear is that greater UK support is required to aide the TCI in this huge, multi-pronged fight. OPBAT, which includes Royal Bahamas Defense Force, US Coast Guard and DEA is useful but the waters of the Atlantic Ocean surrounding the TCI, The Bahamas, Cuba, Hispaniola and the Florida coast is a massive area to police. There have been significant interceptions over Spring and Summer 2017.Crimestoppers TCI continues to pitch messages to discourage these risky voyages in Haiti and in country and the prevelance of these human smuggling operations are beginning to blemish the reputation of Turks and Caicos.The TCI awaits the findings of a UK assessment of National Security needs; the assessment was conducted earlier this year by the United Kingdom which is constitutionally responsible for Natl Security and Foreign Affairs.#seesomethingsaysomething#MagneticMediaNews Recommended for you Editorial: Stop Likin’ Man!
Related Items: Facebook Twitter Google+LinkedInPinterestWhatsApp Facebook Twitter Google+LinkedInPinterestWhatsApp#Bahamas, November 23, 2017 – Nassau – Her Excellency Dame Marguerite Pindling, Governor General, welcomed to Government House 45 long-serving members of Golden Gates World Outreach Ministries, who was ‘there from the beginning’ — celebrating the church’s 45th Anniversary with their courtesy call on Tuesday, November 21, 2017.(BIS Photo/Letisha Henderson)
NASA, ESA, and A. Simon (NASA Goddard)Several space experts have previously predicted that the earth will face a doomsday scenario when a gigantic space rock hits the planet with full fury. Studies conducted by NASA reveal that there are hundreds of near-earth objects (NEO) lurking in the solar system, and catastrophe will be triggered if one such object hits the earth. Just a few days ago, one such event happened in the solar system, and luckily, the meteoroid impact fell on Jupiter, not earth.An amateur astronomer named Ethan Chappel, captured the visuals of the impact using an ordinary telescope, and the visuals have already gone viral on the online space. It should be noted that the meteoroid that hit Jupiter was so big, and it was the reason why the bright light of the impact became visible on the earth.After spotting the meteoroid crash, Ethan Chappel compiled the images taken to a gif and uploaded it on Twitter where it went viral. The meteoroid impact happened in the southern equatorial belt of Jupiter, and the bright flash only lasted for some moments.Imaged Jupiter tonight. Looks awfully like an impact flash in the SEB. Happened on 2019-08-07 at 4:07 UTC. pic.twitter.com/KSis9RZrgP— Chappel Astro (@ChappelAstro) August 7, 2019Experts believe that discoveries like these could help humans to know more about wandering space rocks in the solar system and the way in which their collisions affect the planets.In the meantime, NASA, the United States space agency is busy developing a planetary defense system to protect the earth from doomsday scenarios that might arise due to asteroid and meteor hits. The planetary defense weapon aims to deflect the collision trajectory of space bodies using a large spacecraft so that they will zip past the earth without a devastating collision.However, some experts believe that NASA’s planetary defense weapon will not work on large asteroids, and they believe that the only way to protect the earth is by nuking the approaching rogue space body.
Jatiya Oikya Front. File PhotoThe Bangladesh Nationalist party on Saturday decided to join the 11th parliamentary polls and it would request the election commission to defer elections by a month, according to BNP leaders.Party policymakers said they have decided to participate in the election following a series of meetings.BNP standing committee members held a meeting, and the party also held a meeting with its 20-party alliance partners at BNP chairperson’s Gulshan office on Saturday. The Jatiya Oikya Front including BNP also held another meeting at the same venue.After the meeting, BNP secretary general Mirza Fakhrul Islam Alamgir said Gano Forum president and Oikya Front leader Kamal Hossain will announce their decision through a press conference at the National Press Club today, Sunday.An Oikya Front leader said Kamal is likely to set some conditions, including the deferment of its schedule by one month, reports UNB.The leader said Kamal may also announce a foot-march programme towards the election commission for 13 November to force it to accept the demand.Besides, the Oikya Front will send a letter to the EC on Sunday for deferring the election schedule and the alliance leaders seek time to meet the chief election commissioner on Monday.A top leader of the 20-party alliance said BNP has given its registered alliance partners a green signal to send letters to the election commission on Sunday informing it that they want to join the election in alliance and use BNP’s election symbol.At the BNP’s standing committee meeting, Mirza Abbas and Gayeshwar Chandra Roy questioned the justification of the party’s decision on joining the election and locked into an altercation with Moudud Ahmed over it at their meeting, party insiders said.However, other leaders convinced Abbas and Gayeshwar and decided to join the election in alliance.The party also formed a coordination committee, led by its standing committee member Khandaker Mosharraf Hossain, to settle the seat-sharing issue with its two alliance partners.However, the party leaders said they may wage a movement by boycotting the polls halfway through if a level-playing field is not ensured.BNP wants to join the election as it is a pro-election party, UNB quoted Mirza Fakhrul Islam Alamgir as saying.”But our chairperson Khaleda Zia is still in jail. Our leaders and activists are being harassed and arrested even after the announcement of the election schedule as the government is trying to hold another lopsided election.”He said the EC has announced the election schedule unilaterally ignoring political parties’ opinions. “A credible election is not possible without a level-playing field. So, we first want to see a proper election atmosphere for a neutral election.”BNP insiders said the party will try to hold an informal meeting with the prime minister to release Khaleda Zia from jail and stop the arrest and harassment of their party leaders and activists.Besides, they will keep in touch with diplomats to mount pressure on the government to hold an acceptable election.The party leaders are likely to brief diplomats very soon about the outcome of the talks and the country’s latest political situation.At their meeting, a 20-party leader said all the partners, except BJP, Islami Oikya Jote and Democratic League, gave their positive opinions about joining the election.The Jamaat representative who was present at the meeting said they want to participate in the election independently, not in alliance.He, however, took two days to inform the party’s final decision in this regard.After the meeting, Oli Ahmed, president of LDP, one of the components of the 20-party alliance, said, “We discussed the election issue and the country’s overall situation. We didn’t take the final decision yet whether we’ll participate in the election or boycott it.”“Our alliance’s main partner BNP will make the decision public after discussion with Jatiya Oikyafront within a day or two.”Oli said their alliance is now giving its main focus on the release of their leader Khaleda Zia. “She’ll have to be freed to ensure an election atmosphere.”Accusing the government of arresting the leaders and activists of the 20-party alliance, he said a level-playing field is yet to be created.Replying to a question, Oli said the registered political parties under the 20-party will write letters to the election commission on Sunday informing it that they may contest the polls either with their own election symbols or with BNP’s if they decide to participate in the election.After the meeting of the 20-party, top leaders of the Jatiya Oikya Front also sat in a meeting with the BNP senior leaders at the same venue.However, Oikya Front chief Dr Kamal Hossain could not to go to the BNP chairperson’s Gulshan office to join the meeting due to his illness.BNP insiders said party chairperson Khaleda Zia and Tarique Rahman also sent out positive messages to join the election in consultation with the two alliance partners.A BNP standing committee member said they want to take part in the election as part of their movement and stage a revolution on the election day applying their all strength to bringing the results in their favour.BNP insiders said the party has almost completed its candidate selection process and election manifesto by the time.The party top leaders in consultation with BNP acting chairman has completed the party selection process, but still it did not finalise the list of seats it will share with its alliance partners.A BNP standing committee member said some party leaders and pro-BNP intellectuals drafted the party’s election manifesto in light of the ‘Vision-2030 which was presented by Khaleda Zia on 10 May 2017.On Thursday evening, chief election commissioner (CEC) KM Nurul Huda in a televised address to the nation announced the schedule for the next general election.As per the schedule, the 11th parliamentary elections will be held on 23 December while the last date for submitting nomination papers is 19 November, the date for scrutinising nomination papers is 22 November and the last date for the withdrawal of nomination papers is 29 November.
Growing a business sometimes requires thinking outside the box. With the advent of new technologies, the business landscape sure looks a lot different than it did just a short time ago. Despite the coming changes, there are tools that have had a great impact on business and hold great promise for the future.If I had to pick the tools that would be most indispensable for businesses and entrepreneurs now and in the future, my list would include: CloudCloud technology is truly changing everything. The most important thing the cloud brings to entrepreneurs and to businesses is enhanced accessibility. People can, will, (and in many instances, already do) access everything they need from anywhere they are through the cloud.Related: Don’t Get Stuck in the Software JamThis technology allows for sharing secure and private information, and it will continue to create new capabilities for more efficient work. While adoption of cloud tech is improving business communication, its proper implementation will increase workplace collaboration in unimaginable ways. For businesses that thrive on their remote workers, cloud-enabled collaboration will become crucial.Recommendations:Google Drive (Productivity): Allows for all of your tools — from documents to spreadsheets to calendar – to be at your fingertips for free or a very low cost.StarLeaf (Collaboration): Simple, secure and highly reliable ad-hoc video solution for point-to-point and multi-user video conferencing.Quickbooks Online (Accounting): Powerful tool for small businesses looking for a single application to handle contacts, billing, banking and so much more.Pipeliner (CRM): Many great cloud customer-relationship management apps are out there but this one has a wonderful visual interface that gives newfound clarity to deal management.MobileWith rapid Internet proliferation and smarter devices becoming not only more affordable but also more widely available, the mobile employee will be as productive as ever, regardless of whether they are in the office or at a coffee shop. Mobile will ensure the ultimate success of flexible work, pushing it to mainstream. Recommendations:GChat (Mobile Real-Time Chat): This platform is an awesome and free way to connect and chat with almost anyone on the web. Not a private platform, but super convenient.Asana and Trello (Productivity and Project Collaboration): Small businesses rarely allows for project teams to be available in one place. Mobile project collaboration is hot and these tools are awesome.DataSmall businesses will be empowered to make data driven decisions from a plethora of data brokers who are selling the power of information, much like brokers used to sell oil or commodities. Want to understand how to grow your business? Just look at the data, and you will be able to make informed decisions that are both simple and affordable. The present strategies of business owners will align and prepare them for the future, but these tools will also take the burden of data mining and management off their shoulders.Related: Learn to Refine Crude Data, a Precious Resource for a StartupRecommendations:Google Analytics (Web Traffic): This free tool is a tremendous way to see where your traffic is coming from and where they go once they get to your site.Moz (SEO): Want to understand the keywords, traffic and competition better? This tool will help you optimize and get more from your digital assets.Traackr (Social Influence): Interested in who the individuals and companies are that have the most influence in your industry or area of interest? This tool can help you do that.Twitter Analytics (Native Twitter Data): For companies using Twitter for social marketing, Twitter’s native analytics are a great way to see how your content is performing.SocialWe no longer need to knock on doors or make cold calls to find our prospective customers. We can locate them instantly, see what they are talking about (and what matters to them) and connect and engage with them in real time. Effective messaging and tactics backed by strategy will certainly be necessary. But social will reinvent our go-to-market strategies like nothing ever has before. In fact, social will be the place where your customers will willingly seek you out. There is the potential to create relationships that will yield brand advocates who will help build your brand community, and ultimately, bolster your credibility. From this standpoint, social media tools will no longer be optional. Instead, they’ll be must-haves. Recommendations:Hootsuite and Sprout Social (Feed Management and Scheduling): Looking for a central command center for social-media planning and distribution? Look no further than to these tools to empower your business to be social.Buffer (Scheduling): For companies looking for an easy way to keep their content sharing valuable and regular Buffer allows you to quickly find content and share it at a later time rather than immediately.BundlePost (RSS Automation and Optimization): This lesser known tool is a wonderful way to aggregate RSS data to see the most relevant content and then using simple export tools upload the content to your social management platform.Making these tech tools a part of your core business operations now will unlock potential benefits for the future. How many have you already employed? Related: 18 Effective Social-Media Tools That Will Save You Time December 26, 2014 Free Webinar | Sept. 9: The Entrepreneur’s Playbook for Going Global Opinions expressed by Entrepreneur contributors are their own. 5 min read Register Now »
Posted by Tags: Carnival Corporation, Seabourn, Seabourn Ovation << Previous PostNext Post >> Share Travelweek Group Record second quarter revenues for Carnival Corporation PLC Monday, June 25, 2018 MIAMI — Carnival Corp. says cumulative forward bookings for the next three quarters are in line with the prior year, at higher prices, continuing the cruise company’s record booking streak.Strong operational results coupled with sustained strength in booking trends have mitigated the impact from unfavorable fuel costs and currency fluctuations, says President and CEO Arnold Donald.Based on current booking trends, the company now expects full year 2018 net revenue yields in constant currency to be up approximately 3% compared to the prior year, better than March guidance of up approximately 2.5%.Changes in fuel prices and currency exchange rates are expected to decrease earnings by $0.19 per share compared to March guidance and $0.13 per share compared to the prior year.The company expects full year 2018 adjusted earnings per share to be in the range of $4.15 to $4.25 compared to 2017 adjusted earnings per share of $3.82.More news: Windstar celebrates record-breaking bookings in July“We delivered another strong quarter, again achieving record adjusted earnings on record revenues and exceeding the high end of our guidance range,” said Donald. “Strong operational execution drove a 30% increase in adjusted earnings affirming the strength of our core strategy to create demand that outpaces measured capacity growth through outstanding guest experience efforts coupled with innovative actions to increase consideration for cruising across all global markets.”Carnival Corp.’s Q2 adjusted net income was US$489 million, up from $378 million in Q2 2017. Revenues for the quarter were $4.4 billion, higher than the $3.9 billion in the prior year.Highlights from the second quarter included the delivery of Carnival Cruise Line’s 26th ship, Carnival Horizon, in March 2018. In April 2018 Seabourn took delivery of its fifth all-suite ship, Seabourn Ovation. Carnival is also doing big business in Cuba. As a result of the strong guest response to sailings to Cuba, Carnival received approval for more than 20 additional calls, bringing the total to 40 calls to Cuba in 2019, departing from home ports in Miami, Fort Lauderdale, Tampa and Charleston.