Fairy Godmothers: Every account holder should have one

first_imgCinderella, dressed in brown,Paid her taxes to the town‘Oops, I haven’t enough money!What’ll my overdraft limit be?”In a system using matrix-based, or “dynamic,” overdraft limits, Cinderella is left in the dark as to just how much she is able to overdraft. Will it be $200? $500? $1,000? It all depends on what the credit union deems she can afford to pay back, and that amount can change frequently. A fairy Godmother would come in handy right about then, transforming Cinderella’s cloud of confusion into confident, financially-conscious decision making.This is no fairy tale, though; overdraft limit variability can happen to anyone whose financial institution relies on this type of undisclosed program. continue reading » 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Students and politicians discuss state of the union

first_imgAs the celebratory hype surrounding the president’s second inauguration gradually quieted down, a panel of experts — two former state legislators and two politically active students — gathered Wednesday in the Ronald Tutor Campus Center Forum to speculate how President Barack Obama will address major policy issues in his final term.Moderated by Dan Schnur, director of the Jesse M. Unruh Institute of Politics, and Rachel Bracker, managing editor of the Daily Trojan, the panel considered some of the key issues that proved decisive in the November election.USC College Republicans member Greg Sefain and USC College Democrats member Ethan “E.J.” Levin provided insights from a student perspective. Former California State Senator Tony Strickland and former California State Assemblyman Anthony Portantino pulled from their own experiences in politics when addressing the president’s second term.Talk of job creation took a back seat as gun control and environmental issues  dominated the conversation, with all panelists noting that the president might be more willing to assume progressive positions on these hot-button issues now that he no longer faces reelection.“I think that Obama’s goal is to transform the powers of the presidency,” Strickland said. “Many of the issues that will be central to this administration are issues that Obama rarely even touched on in his first term.”Sefain noted how the immediacy and relevance of gun control legislation will likely take a prime spot on the presidential to-do list, a rather unexpected priority considering how little attention the issue received in previous elections.“Obama must be mindful of his game plan,” Sefain said. “He will likely capitalize early on the gun argument because he knows that right now it is in the minds of all Americans.”Levin remained optimistic that the beginning of a second term might encourage bipartisan negotiations.“I think a lot of Democrats wanted to see more from Obama in his first term,” Levin said. “If he can harness discontent for current gun laws, he may be able to get Congress on the side of progressive legislation.”Strickland did not seem as confident in the president’s ability to overcome the hyper-partisan divide that plagues Washington. Rather, he anticipates that the president will exercise strong executive powers in his second term, bypassing Congress entirely when it comes to some of the most contentious issues.“I think Obama knows that certain agenda items are not going to get through Congress,” Strickland said. “He will probably resort to executive orders in tackling the gun problem. With regards to climate change, I think he will expand the powers of the EPA.”Strickland’s thoughts were echoed by Portantino, who agreed that the president would likely run into opposition on certain contested issues.“I’m not sure that Obama will be able to find common ground for issues like gun control and gay rights,” Portantino said.Panelists, however, also remained wary of the political implications of executive action on some of the nation’s most divisive topics. Some panelists believed that, though the president no longer faces the pressures of re-election, policies that are perceived as too liberal might make for an uphill battle for Democratic presidential contenders in 2016 and might lead to a sweeping Republican victory in the midterm, as was largely the case in 2010.“In two years, we will face another election, and if the president burns too many bridges in an effort to implement his policies, he could see a major defeat for his party in Congress,” Sefain said.The panelists also addressed the future of the Republican Party in national politics. Though many commentators have written off 2012 as the beginning of the end for the GOP, panelists remained confident that the party could see a rebound depending on the president’s performance over the next four years.“Pendulums swing,” Strickland said. “And they always swing.”The topics discussed in the panel discussion might foreshadow what Obama discuss in his State of the Union Address. The president will deliver this address before Congress on Tuesday, Feb. 12. A viewing of the speech will be held in the lobby of the Annenberg School of Communication and Journalism, followed by a panel discussion.last_img read more

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Essien and 11 others arrive for Zambia match

first_imgGhana’s preparations for Friday’s 2014 FIFA World Cup qualifying against Zambia will commence this afternoon after players arrived over the weekend.Kwesi Appiah’s team will hold their first training session at the Accra Sports Stadium, Monday afternoon.Twelve players – captain Asamoah Gyan, Albert Adomah, Rashid Sumaila, Mahatma Otoo, Kwadwo Asamoah, Jonathan Mensah, Razak Braimah, Awal Mohammed, Fatau Dauda, Chrsitian Atsu, Michael Essien and Mubarak Wakaso – have arrived in the Black Stars team hotel.There will be more player arrivals later in the evening.The Black Stars are in first place and one point better than Zambia on the Group D table ahead of their final meeting at the Baba Yara Stadium in Kumasi.Winners of the second round stage will advance to the final round where ten sides will be paired off for the final stage during October and November with the winners of the five home-and-away ties qualifying for Brazil 2014.last_img read more

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Archery Guyana coach returns from training camp and coaching seminar in Colombia

first_imgWorld Archery Guyana Head Coach, Nicholas Hing recently returned from an archery training camp and coaching seminar funded by Pan Am Sports, and coordinated by World Archery Americas with the collaboration of the Colombian Olympic Committee in Medellin, Colombia.The camp and seminar, which followed on the heels of the World Archery Americas General Assembly and the conclusion of the Pan American and Parapan Championships, was conducted by top level experts in various fields of the sport, and attended by a total of 32 archers and 39 coaches from 22 countries, among whom were Olympic silver medalist Aída Román of Mexico, Central American and Pan American champion Alejandra Valencia of Mexico and men’s compound champion Roberto Hernandez of El Salvador.USAA Coach Phil Graves (left) and US OlympicRecurve Team Coach Kisik Lee (right) withArchery Guyana’s Head Coach Nicholas HingThe intensive program, with sessions beginning from 8:00 am and concluding at 10:00 pm and with practical sessions at the archery range, was coordinated by USAA coach Phil Graves.Speaking on the importance of biomechanics of the shot cycle, and the prevention of physical and mental injury, was world-renowned head coach of the US recurve team Kisik Lee. Also speaking were Level 4 Coach, Philip Graves, Dr. Alison Pope-Rhodius and Professor Fernando López of the Department of Psychology at JFK University who spoke on the mental aspect and mental training in archery. Equipment expert Don Rabska, Vice President of Easton Foundations spoke on bow tuning and set-up, WAA Secretary-General Sergio Font spoke on the rules of archery, and physical trainer Felipe Marin’s presentation was on designing and controlling physical training schedules for archery.From all of this, a high performance archery program can be developed from the bottom (grass roots programs -Junior development in schools/clubs) leading to schools and national competitions, and work upwards to win World Championships in preparation for the Olympics.There was special mention of Guyana as a developing nation on the archery stage in the Americas, as we hope to soon be competing regionally in the Caribbean’s development with sister nations; Trinidad & Tobago, Barbados, the British and US Virgin Islands, The Bahamas, etc.The next important event in the Americas, are the Youth Olympic Games in Buenos Aires, Argentina in October.The training camp and seminar was a boost for Guyana’s archery development program for which Hing is grateful to have been selected to attend, and is thankful to his part-sponsors; New GPC Inc and Guyana Times Inc.last_img read more

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