7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Paula PantBudgeting strikes fear (or annoyance, or disgust) into the hearts of many people, because we tend to see budgeting as something that is tedious, is complicated and keeps us from having any form. But budgeting doesn’t have to be a dirty word. Here are four ways to make budgeting as easy and painless as possible.1. Automate ItTo make room for savings in your budget, pay yourself first. Set up automatic deductions from your checking to your savings account each pay period so you’re not tempted to spend money you’ve earmarked for your emergency fund or retirement goals.To avoid late fees and having to keep track of numerous due dates, set up automatic payments for as many bills as you can. The amount due will be deducted straight from your bank account when it’s due, and you won’t need to worry about mailing anything out by a certain date.Remove the potential for human error as much as possible, and you’ll find budgeting is already a lot easier. continue reading »
Happy Monday and Star Wars Day! I hope everyone is still using the force to get through this pandemic and remain optimistic.As we enter the month of May, there is still a lot of uncertainty about how long people will remain in their homes and rely on online-only products. Since many credit unions are offering limited on-site services, there is heavy reliance on online, mobile app, drive-thru, and telephone services. However, as state governors begin to allow travel and businesses to reopen, credit unions have asked the NAFCU Compliance team about their obligations to open branches.As a starting point, neither the Federal Credit Union Act nor any federal regulation dictate the hours of operation required to be observed by a credit union. It may be helpful (and empowering!) to point out that credit unions have already been in charge of the schedule and branch openings for in-person services. This means that credit unions may consider opening branches on a limited basis. For example, some credit unions have decided to allow members to enter the branch on an appointment only schedule, and then add increasingly more available appointment options as the staff become more comfortable seeing members. Another option may consist of scheduling time slots for different groups of people so only a small group of people come at a time. For example, some credit unions have implemented a seniors-only time slot.Credit unions have also asked about what public communication or notice is required when changing branch hours. Again, this is largely an operational and member service concern, rather than a regulatory one. As with the policies around changing branch hours, notice to members may be addressed in the credit union’s branch operation policy. Even if it is not, credit unions are not prohibited from providing notice as a service to their members. Many credit unions are already sending emails and posting coronavirus-related notices on their websites and inside offices and may continue sharing information about changes to branch hours. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
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NZ Herald 22 March 2014The Salvation Army says it was unaware it would be taking over as the lead agency for gambling addiction services after the Ministry of Health controversially cut funding to the Problem Gambling Foundation.The foundation’s failure to win a tender after 20 years as the main provider prompted claims by Opposition parties that it was being punished for publicly criticising the National Government’s pokies-for-convention centre deal with SkyCity casino.Associate Health Minister Peter Dunne strongly rejected that claim, saying that the funding decision was the result of a robust, independent review which had looked to improve the sector’s value for money.The Salvation Army – which also publicly opposed the National-SkyCity deal – would take over as the main provider for addiction services because it was believed to be able to make nearly $5 million in funding go further.National manager of addictions Captain Gerry Walker said he had not yet been shown a contract and “did not know what the situation is”.http://www.nzherald.co.nz/nz/news/article.cfm?c_id=1&objectid=11224123
Head Coach of Asante Kotoko, Mas-Ud Dramani says he has made his mark on the local scene and therefore has redirected his focus on the CAF Champions League.The coming season will be coach Mas-Ud Dramani’s fourth season with the Porcupine Warriors which he has already recorded three league titles and an a FA Cup trophy but had a poor run when it came to the CAF Champions League.The FA Cup award winning coach admits his performance in continental competitions have not been fruitful but believes his target with Kotoko this season is to win the CAF Champions league. Kotoko is currently based in Tamale for their pre season camping with 35players including their new signings. They drew 1-1 with Tamale select side last Monday as part of preparations ahead of the Ghana League start and will be playing some local friendlies before they change their camping base to Techiman. Meanwhile, the Ghana Premier League is said to kick start on September 21
Ireland’s actions on Apple Tax have a GUBU (grotesque, unbelievable, bizarre and unprecedented) ring to them according to Marian Harkin MEP.This follows the announcement that the State may face the European Court of Justice for not collecting the €13 billion Apple tax bill.Marian Harkin says; “Ireland already has a tough battle to fight over the issue of a common consolidated corporate tax base without being caught with its pants down over the matter of failing to recover the €13bn that the European Commission has ruled is owed to Ireland by Apple. “There are two separate issues here, first the actual ruling on illegal state aid of €13bn to Apple which Ireland is contesting in the European Court of Justice.“However the second is that notwithstanding their appeal, Ireland has an obligation to collect the money and if they choose, place it in an escrow account, but they must do so within four months of the Commission ruling. The ruling was made on August 30th 2016 which means Ireland has exceeded the time limit by over 200%.“We have nobody but ourselves to blame for this embarrassing situation which puts us on the back foot in regard to tax matters. I have no doubt it is a complicated issue but we know the determination of the Commission on this matter and we have shot ourselves in the foot by not acting more promptly.“The fact that we may be fined by the European Court of Justice for not collecting money deemed to be owed to the Irish state by the European Commission has a somewhat GUBU ring to it”, Marian Harkin concluded. A spokesperson for the Department of Finance says that Ireland has never accepted the Commission’s analysis in the Apple State Aid Decision, and says it is “disappointing”, “extremely regrettable”, and “wholly unnecessary” that the Commission has taken action.“We have always been clear that the Government is fully committed to ensuring that recovery of the alleged Apple state aid takes place without delay and has committed significant resources to ensuring this is achieved. Ireland fully respects the rule of law in the European Union.“That is why it is extremely disappointing that the Commission has taken action at this time against Ireland.“Irish officials and experts have been engaged in intensive work to ensure that the State complies with all its recovery obligations as soon as possible, and have been in constant contact with the European Commission and Apple on all aspects of this process for over a year.“It is extremely regrettable that the Commission has taken this action, especially in relation to a case with such a large scale recovery amount. Ireland has made significant progress on this complex issue and is close to the establishment of an escrow fund, in compliance with all relevant Irish constitutional and European Union law. “The work on the establishment of the escrow fund to deal with the unprecedented recovery amount will continue, notwithstanding the fact that Commission has taken this wholly unnecessary step.”MEP: “We’ve shot ourselves in the foot” over handling of Apple tax debacle was last modified: October 4th, 2017 by Elaine McCalligShare 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:apple taxdepartment of financemarian harkinMEP
Update: Post updated to reflect fact Atlus is both developing and publishing Persona 5.Square Enix seems to have got itself into a bit of a fix. The Japanese publisher/developer is well known for releasing massing RPGs, which you can easily lose over a hundred hours playing. What you really don’t want to happen when releasing such a game is for another massive RPG to also release at the same time. Ultimately, gamers end up having to choose one or the other, and that hurts profits.So what has Square Enix done? Scheduled one of its most popular JRPG franchises to release a new game at roughly the same time as another popular JRPG franchise. Those games are Persona 5 and Final Fantasy XV. Right now, Persona 5 is listed by publisher/developer Atlus as releasing in ‘Summer 2016’ where as Final Fantasy XV is just ‘2016.’ But I’m pretty sure FFXV is also not going to be ready until the summer months because Square Enix has posted a 50 question survey for Japanese gamers. Question 47 asks the following:Here’s a question for those considering to purchase both Persona 5 and Final Fantasy XV: If both titles were released at roughly the same time, which one would you prioritize (buying)?Persona 5Final Fantasy XVI’ll buy bothSquare Enix wouldn’t be asking that question unless they have realized there’s going to be a launch clash, or at the very least both games launching within a few weeks of each other. How they react to this will come down to the responses to this question. I’d imagine if the majority of people respond with “I’ll buy both” then no date changes will be made, but it’s going to have to be high (70% or more I’d say).If answer 3 is not the majority of responses, then one of those games is going to have to suffer a launch delay. As Atlus publishes Persona 5 and already has a summer date planned, it’s going to have to be Final Fantasy XV that moves, unless of course Square has a chat with Atlus and they come to some arrangement. After all, neither company benefits from launching so close to the their rival’s game. So the most likely outcome is FFXV will get pushed back to September-October time.H/T to Reddit for Persona 5 image.