Financial advice for new parents

first_imgAs prepared as you’d like to be for a new arrival, nothing can absolutely ready you for this enormous change to your life. Don’t let financial stress overshadow the excitement of welcoming a new little one to your family. Below is helpful financial advice for new parents to consider before busy days with baby and those inevitable sleepless nights.Have a good understanding of your health insurance to anticipate upcoming costs: There’s nothing worse than being hit with a giant hospital bill without any warning. It is difficult to know exactly how much you will be charged, as some experiences are more involved (and are longer) than others, but having a solid grasp on your plan and what is covered will help you stress less about finances after baby arrives.Add practical items to your gift registry: It’s easy to fall into the trap of adding unnecessary baby gear to your wish list (such as cute outfits or expensive accessories). But it’s important to remember to ask for things you will actually need a lot of, like diapers, for instance. Baby store gift cards are also a smart option. Of course you will want other fun baby gifts, but be mindful of their cost; gift-givers will be more likely to purchase items that are reasonably priced, and you may actually get more from your family and friends if what you’re requesting is at a lower cost.Consider childcare options in advance: It may be hard to imagine leaving your little one and heading back to work, but for many, it is a must. Before childbirth, have a plan in place for how you will handle this transition. Childcare can be extremely costly and in some cases can cost as much as a rent or mortgage payment. Couples who cannot afford this option often choose to have one parent stay home with the child. In this instance, you will become a one-income household. Deciding what to do in advance will help you work out what is best not only for your baby, but for your wallet.Familiarize yourself with your company maternity/paternity leave policy: After your child is born, you will want to enjoy these first few months without unexpected financial challenges. Before his or her birth, make sure you fully understand your parental leave policies. Most companies have similar plans in place (typically around six weeks), but it’s important you and your partner evaluate your options prior to when the leave period starts. That way you can have a better plan ahead of schedule, which your employer will greatly appreciate as well. 75SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Wendy Moody Wendy Moody is a Senior Editor with Wendy works with the editorial team to help edit the content including current news, press releases, jobs and events. She keeps … Web: Detailslast_img read more

Police increase sobriety checkpoints over Superbowl weekend, make three arrests

first_img(WBNG) — The New York State Police Department says three people were arrested and charged with DWI’s across the Southern Tier during Super Bowl weekend. State Police say they had increased sobriety checkpoints and patrols during the weekend to crack down on impaired driving. According to the state police department, STOP DWI efforts have led to fewer drinking and driving related deaths. Those arrested over the weekend were charged with misdemeanors. The arrests were separate incidents.last_img read more

Binghamton CSD to hold webinar on reopening plans

first_imgBINGHAMTON (WBNG) — The Binghamton School District will hold a webinar Tuesday about its reopening plan. The webinar will be held at 6 p.m. via Zoom. You can join the meeting by clicking here. Participants will be able to ask questions and share ideas in the webinar.last_img

The Zagreb Institute of Economics has published a new analysis of tourism indicators in Croatia

first_imgQuality, short and efficient analysis by the author Ivana Rašić from the Institute of Economics Zagreb, which gives a good overview of tourism indicators. Definitely a recommendation to read the “easy” reading for the upcoming weekend, in order to analyze all the indicators and where we are and where we are going. Source: EIZ In addition to the analysis of the basic indicators of the tourism sector for Croatia, an interesting comparison was made with the indicators for the European Union, as well as at the global level. In addition, the analysis provides an overview of the financial indicators of the leading companies in the tourism sector in Croatia and the expected trends in the current and next year, respectively. Thus, according to Eurostat data for 2018, the most popular tourist destination for foreign tourists was Spain with 301 million overnight stays of foreign tourists in tourist accommodation facilities, which is 18,7 percent of the total number of overnight stays of non-residents in the EU-28. Side dish: EIZ SECTORAL ANALYSIS: Tourism Viewed by EU member states, the share of direct gross value added in the gross value added of the economy is the highest in Croatia (10,9 percent). It is followed by Portugal with a share of 6,7 percent, Spain with 6,6 percent and Italy with a share of 6 percent. This share in other countries for which data are available ranges from 2 percent in Poland to 5,8 percent in Hungary. The Institute of Economics Zagreb (EIZ) regularly publishes sector analyzes, ie a publication that monitors the situation and trends in various sectors, including tourism. On the other hand, the lowest tourist attendance is recorded in Luxembourg and Latvia. With 83,1 million overnight stays of foreign tourists (a share of 5,2 percent) in 2018, Croatia is still in a very good eighth place in the ranking of EU countries. Spain is followed by the United Kingdom with 217,2 million overnight stays, followed by Italy with 216,5 million overnight stays and France with 140,7 million overnight stays. These countries account for more than half (54,5 percent) of the total number of overnight stays by foreign tourists in the European Union. last_img read more

Euthanasia cases double in Belgium in just five years

first_imgMailOnline 5 February 2016The number of people to die by euthanasia in Belgium has more than doubled in just five years, new figures have shown.More than 2,000 people died last year under the country’s euthanasia laws, which cover children as well as adults, and which allow people to be killed without giving consent.The rapid increase in the euthanasia total mirrors the rate of euthanasia in neighbouring Holland, where mercy killing laws were brought in in 2002, a year before those in Belgium.The figures provoked fresh warnings in Britain over the risks of any shift of the law here in the same direction.Anti-euthanasia campaigner and former government adviser on terrorism Lord Carlile said: ‘I am shocked by these figures in Belgium. They show a poorly compliant ethical regime which ought to be examined.‘There is a real danger that elderly vulnerable people in particular are having their rights violated.’The newly-released figures show that, from less than 300 in 2003, the year the country’s euthanasia law was introduced, numbers of those who died by euthanasia in Belgium reached 2,021 last year.The level was higher than 2,000 for the first time and more than double the 954 recorded in 2010.The real total of euthanasia deaths may be higher still.READ MORE: up with family issues in NZ. Receive our weekly emails direct to your Inbox.last_img read more

Fire hits Molo building, leaves P50-K damage

first_imgILOILO City – Properties worth anestimated P50,000 went up in smoke after fire hit a three-storey building in BarangayWest Timawa, Molo district. No persons got injured or died in theblaze. The second floor of the building thatserves as a boardinghouse was partially damaged.   The Bureau of Fire Protection hasyet to determine the cause of the fire as of this writing./PN The blaze broke out around 6:56 a.m. on Wednesday,according to fire investigators. It originated from the ground floor of St.Jude Tadeos building occupied by coffee and milk tea shops. last_img read more

Video: Fans reveals the exact moment that ‘broke’ David De Gea

first_imgDavid de Gea’s performance in the FA Cup semi-final against Chelsea has resulted in fans looking for the exact moment that ‘broke’ him. The Manchester United goalkeeper was once regarded as one of the world’s best but mistakes have begun to creep into his game, with this evening’s 3-1 defeat highlighting his fall from grace. His sharp decline has everyone asking the same question… What happened? Well, Cristiano Ronaldo happened. Read Also: Solskjaer takes blame for team selection in Chelsea defeat Bruno Fernandes scored a consolation from the penalty spot five minutes from time. Chelsea will now take on Arsenal in the final on August 1. FacebookTwitterWhatsAppEmail分享 De Gea’s misery began against Chelsea when Olivier Giroud put Frank Lampard’s side ahead just before half time. His flick caught de Gea off guard which fizzed away from his grasp. The second half then begun with Mason Mount’s low drive spilling out of his hands to double Chelsea’s lead. De Gea kept United in the game with string of saves before Harry Maguire’s own goal ended all hopes of a comeback. Portuguese superstar Ronaldo put three past Spain at the World Cup back in 2018, with de Gea between the sticks. While a player of Ronaldo’s quality scoring a hat-trick past you is nothing to be ashamed off, it was the manner of the goals that worried fans. His second was straight at the 29-year-old who spilled it into the net on the world stage. Loading…last_img read more

EPL: City set to compound Newcastle woes

first_imgRelatedPosts Aguero could be out of action until November, Guardiola says David Silva recovers from COVID-19 Man City top players test positive for coronavirus Newcastle vs. Man CityVenue: St. James’s ParkKick off: 1:30PMManchester City’s pursuit of Premier League leaders Liverpool will continue this afternoon when they make the trip to Newcastle United.Pep Guardiola’s side are currently third in the table – nine points off the summit – while Newcastle are down in 14th spot having suffered a 2-0 loss away to Aston Villa in the Monday Night Football.There was no room for error against Chelsea last weekend as City entered the match 12 points behind Liverpool, who had recorded a 2-1 victory away to Crystal Palace earlier in the afternoon.N’Golo Kante handed the Blues a one-goal advantage at the Etihad Stadium, but Kevin De Bruyne levelled the scores before Riyad Mahrez scored a vital second goal. The victory move Guardiola’s side back to within nine points, which still stands heading into this weekend’s matches.A record of nine wins, one draw and three defeats has brought the Citizens 28 points, leaving them one point behind second-placed Leicester. Liverpool have 37 points from their 13 matches, and the Reds will fancy their chances of overcoming Brighton & Hove Albion later today.City’s task is actually quite simple: just keep winning.There is simply no room for error due to Liverpool’s stunning form, and it might well be that Guardiola puts his focus on the Champions League if the club are unable to close the gap in the league heading into the final few months.The English champions were in Champions League action on Tuesday night, drawing 1-1 with Shakhtar Donetsk at the Etihad Stadium.The point was enough for City to secure their passage into the round of 16 as group winners, but it was far from a convincing performance.In all competitions, City have won just one of their last four matches.That said, their only defeat since the start of October came at Liverpool, and there is an argument that the reigning champions were much the better side for long periods of the clash at Anfield.The Citizens have lost two of their last four Premier League away matches, though, including a 3-2 defeat at Norwich City in the middle of September.There is no question that the team are struggling defensively due to the departure of Vincent Kompany and injury for the brilliant Aymeric Laporte.In terms of what is ahead for Guardiola’s side, they will open the month of December with a trip to Burnley, before the small matter of the Manchester derby at home to Manchester United on December 7.They will then take on Arsenal, Leicester and Wolverhampton Wanderers before hosting Sheffield United on December 29, which will bring an end to their 2019.Meanwhile, four wins, three draws and six defeats – that is how Newcastle have performed in the league this season.A total of 15 points has left them in 14th spot in the table, five points clear of the relegation zone.The Magpies actually entered Monday’s clash with Villa off the back of successive wins over West Ham United and Bournemouth but could not make it three in a row as they suffered a two-goal loss at Villa Park. Jonjo Shelvey was handed the captain’s armband in the absence of Jamaal Lascelles, but the Englishman could not inspire his team from the middle of the park.Miguel Almiron’s struggles continued, meanwhile, meaning that the Paraguay international has still not registered a goal or an assist since arriving from the MLS during the January transfer window.Allan Saint-Maximin is also yet to score this season, but the attacker has excited the fans with his performances.While the loss at Villa was disappointing, there is no question that Newcastle have shown signs of improvement in recent months.Indeed, since being thumped 5-0 at Leicester City at the end of September, they have beaten Manchester United, West Ham and Bournemouth, in addition to sharing the points in a 1-1 draw with Wolverhampton Wanderers.The Magpies also only just lost at Chelsea last month but now face a City side that just cannot afford to drop points due to Liverpool’s form.Bruce’s team will then head into a very interesting set of fixtures against Sheffield United, Southampton, Burnley and Crystal Palace, before travelling to Old Trafford on Boxing Day to take on Ole Gunnar Solskjaer’s Manchester United.Newcastle did run out 2-1 winners in the corresponding match last season, although that was their first Premier League victory over the Citizens since 2005, with the Manchester side dominating this fixture in recent years.There is no question that the supporters will be demanding a response this weekend, and the Magpies have only lost one of their six league matches at St James’ Park this season, which came on the opening weekend to Arsenal. Newcastle possible XI: Dubravka, Yedlin, Fernandez, Clark, Dummett, Willems, Almiron, S Longstaff, Shelvey, Saint-Maximin, Joelinton.Man City possible XI: Ederson, Cancelo, Fernandinho, Stones, Mendy, Gundogan, Rodri, De Bruyne, Sterling, Jesus, Bernardo.Tags: EPLManchester CityNewcastlelast_img read more

Mourinho: Klopp won’t get the Blues

first_imgChelsea boss Jose Mourinho would welcome Jurgen Klopp to the Barclays Premier League – after being assured he is not coming to take his job. “But he has had great success in Europe and the top clubs, I’m certain, will be looking at him because that is what they want – people who have had Champions League experience and who have done well in that competition. “That seems to be a pre-requisite before they even start discussing who might come and go.” However, West Ham manager Sam Allardyce admitted the arrival of big-name coaches in the Premier League simply increases the challenge for home-grown bosses. He said: “It’s like being a player – we have the best league in the world and the biggest brand in the world, so that attracts the biggest coaches and the biggest players. “We have to live with that, we have to be so good. Not only as a player today, but also as a manager and a coach, you have to embrace that challenge. We are faced with that challenge and have to meet it head on. “I’m not surprised if there is a lot of interest around him, if that is what he said, but he has not had quite as good a season [at Dortmund] as a couple of seasons ago, so perhaps that is why he is jumping ship and going somewhere else, as he sees he cannot go any further where he is, where he has done a fantastic job.” Meanwhile, Klopp’s compatriot and Arsenal defender Per Mertesacker admitted surprise at his decision to leave Dortmund, but backed him to be a success in England. Mertesacker said: “I’ve got some nice experiences in the Premier League and of course it would be nice if a German coach would take the challenge of working in the Premier League. “It’s not so good for Dortmund that he is leaving, but I still wish him all the best and hopefully one day he will manage abroad. I think his passion would fit and to see him in England would be very interesting. “Everyone has their philosophy and I think Jurgen Klopp has proved that he’s top-level and can teach a lot.” Mourinho admits he has no idea where Klopp will end up – but knows it will not be at Stamford Bridge. He said: “He’s a very good coach, but I have no idea if he comes to the Premier League. He’s a very good coach, he’s a good friend, I like him very much. “If he comes, welcome. But I don’t want to get into that story, ‘where is he going?’ “The only thing I know is that he told me he’s not coming to Chelsea, for sure – and he told me that personally, so, I’m calm.” Stoke boss Mark Hughes forecast that Klopp’s pedigree in European competition would work in his favour for clubs looking to compete on the biggest stage. He said: “A lot of foreign coaches want to come to the Premier League – it is very attractive to them. He is a big character and personality it seems. “I don’t know the guy personally as I haven’t met him, but he has had a good record apart from this year, where he has had a real struggle. “Maybe that suggests the way he works works for a certain period. But he has had to obviously handle the loss of key players in his time, because that is what happens in Germany invariably – Bayern Munich come and take your better players, strengthening themselves and weakening you as an opponent – so he has had to manage through that. The 47-year-old German has been tipped to make the move to England next season after confirming earlier this week that he will leave current club Borussia Dortmund after seven years at the end of the season. That news has sparked a frenzy of speculation over possible destinations with Manchester City having already indicated he is not in their sights with pressure mounting on Manuel Pellegrini. Press Associationlast_img read more

Road woes continue for men’s basketball falling 84-64

first_imgHaving lost three of their last four games heading into Thursday night’s action against Stanford, the Trojans did not play like a team desperate to regain ground in a tight Pac-12 conference, falling 84-64 to the Cardinal at Maples Pavilion.As has been the case in recent games, the Trojans (19-9, 8-7) fell behind early and — unlike the Colorado game — could not recover.“Stanford played an excellent basketball game,” head coach Andy Enfield said. “They made a lot of shots. In the first half, they shot a high percentage. Some were open, some were contested. Give them credit. They outplayed us and outshot us in the first half.”In an abysmal first half, USC shot just 25.9 percent from the field with Bennie Boatwright, Nikola Jovanovic, Jordan McLaughlin and Julian Jacobs held to just five combined points on 0-for-15 shooting, and the Trojans trailed 43-25 at halftime. The 25 points were the lowest USC has scored in a half all season.Enfield’s change in the starting lineup — swapping Elijah Stewart for Katin Reinhardt — made little difference.“Four of our starters were 0 for 15 at halftime,” Enfield said. “Look, they’ve been playing very good basketball all season. They feel bad; they played hard, but just not well enough tonight. I’ll take the blame for that. I switched the starting lineup up — the starting lineup that I put out there didn’t shoot the ball well, so that’s on me.”Meanwhile, the Cardinal (14-12, 7-8)  shot it at a 43.3 percent clip in the first half and an even better 46.7 mark from 3-point range. Dorian Pickens recorded 22 points in the half alone and Stanford capitalized for 13 points off seven USC turnovers.Pickens finished with a career 25 points, while Rosco Allen had 17. Katin Reinhardt’s 14 points led the Trojans.Stewart noted the Trojans had a game plan for Allen — the 10th leading scorer in the Pac-12 — but instead it was a bench player who did most of the harm.“[Pickens] got off to a hot start, and he didn’t ever cool off,” Stewart said. “That was crazy. We focused in on Allen, but, unfortunately, he wasn’t the one who went off. It was really frustrating. [Pickens] hit everything tonight.”The loss moves the all-time USC-Stanford record  to 125-122, but Stanford has now won the last five matchups. USC has not won at Maples Pavilion since Feb. 14, 2013.“[Stanford] came out and shot the ball really well in the first half,” Reinhardt said. “We couldn’t stop them. They were shooting the crap out of the ball and when a team does that, even though we played very hard, we get beaten. Kudos to them. They played harder than us. That’s how you win games.”It was a slow offensive start for both teams, with the Trojans starting 1-for-6 and committing three early turnovers while the Cardinal opened 2-for-7. But the action picked up after the first timeout, with the two teams combining to make five 3-pointers in the ensuing minutes. Sophomore guard Elijah Stewart hit a tough shot from beyond-the-arc to give the Trojans a 14-11 lead as they connected on five consecutive shots.But Stanford went on an 18-4 run to claim a double-digit advantage. Pickens knocked down three 3-pointers in a row; a fourth triple put the Cardinal up 29-18. The Cardinal continued their onslaught as the Trojans allowed open shots and struggled on the offensive end. USC went scoreless for a nearly five-minute stretch while Stanford continued to dominate and expand its lead to as large as 20 at one point.The second half was more of the same, as the Trojans failed to make any substantial push and the Cardinal maintained their large lead.The Cardinal’s proficiency on offense prevented the Trojans from playing their preferred, up-tempo pace. USC managed just two fast break points in a half-court style game.“In order to play a faster tempo, you have to rebound the ball and push it in transition,” Enfield said. “We did that early for a little bit — I think we had a 3-point lead — we got a shot in the lane and a 3 in transition, but we just weren’t stopping them enough in the first half. They made a lot of jump shots and played very good basketball.”Now sixth in the conference, the Trojans  will travel to Cal to take on the fourth-place Bears on Sunday.last_img read more