Former cricketers Sachin Tendulkar and Sourav Ganguly are among the owners of eight franchises of a new Indian soccer league set to kick off later this year. Related Items
Former cricketers Sachin Tendulkar and Sourav Ganguly are among the owners of eight franchises of a new Indian soccer league set to kick off later this year. Related Items
A worried 10-year-old schoolgirl sent a $20 (£12) bill to the governor of the country’s central bank offering to help the economy. Related Items
When the news spread this week that Britain would send back to India its best “chess prospect in a generation,” more than a few people were astonished. But on Friday, British authorities appeared to change their minds, saying they may allow the 9-year-old chess prodigy, Shreyas Roya, and his family to stay in the country after all.“Shreyas’s jumping and dancing,” the boy’s father, Jitendra Singh, said in an email. “Tears came out from my wife’s eyes.”The family’s future in Britain had seemed bleak. The five-year visa that Singh, an information technology projects manager, had been granted to work for Tata Consultancy Services in Britain could not be extended once it expired in September.Britain’s Home Office said there could be no exception. “There is no route within the immigration rules which would allow the family to remain in the U.K.,” a spokesman for the Home Office said Thursday.But on Friday, Singh said, “We got good news.” Singh said the Home Office had informed him he would be allowed to apply for a new visa based on his son’s exceptional talent.It was not clear why the Home Office, which did not respond to requests for comment Friday, changed course. But according to The Times of London, the government decided to waive its requirement that a new application had to occur from outside the country, and said that the application would be sponsored by Tata.Immigration law in Britain allows for visas to be granted to those with “exceptional talent” or in certain areas of “sport.” Dominic Lawson, the president of the English Chess Federation, described Shreyas as “England’s best junior chess prospect in a generation,” but he noted that chess mastery apparently did not qualify as an exceptional talent in a sport.The case drew the attention of British members of Parliament, two of whom, along with Lawson, appealed to Sajid Javid, the British home secretary, to intervene. Lawson said Friday in an email that he welcomed the reversal by the Home Office.“We at the ECF are delighted that our efforts to persuade the government to recognize Shreyas Royal’s exceptional talents have borne fruit,” he wrote. “We are also grateful to Sajid Javid for personally taking charge of re-examining the original decision of the immigration department.”Shreyas Royal, 9, who has been hailed as Britain’s greatest chess prospect in a generation, and his father, Jitendra Singh. After being told that the family would have to return to India when Singh’s work visa expired, the British Home Office granted them an exception on Aug. 10, 2018.Shreyas arrived in London from India with his family when he was 3 years old. He learned chess in south London, drawing accolades when he competed for England in international tournaments, earning the title of Candidate Master. He is ranked fourth in the world for his age group.Shreyas, who is competing in the British Chess Championships, has said his dream is to become world champion before the age of 18.Singh told The Times of London that he believed the home secretary stepped in to find a solution to his son’s case.If granted, the new visa would allow Singh to stay for an additional five years and open the way for him and his family to settle in Britain permanently.© New York Times 2018 Related Items
Yulia Aslamova first visited India in 2012 for a 4-month internship with a travel agency in Jaipur. “I landed in Delhi only to find out that the person who was supposed to meet me at the airport didn’t hear his alarm and, therefore, wouldn’t be able to pick me up. I was scared to do things alone. I will never forget what I went through to find the bus stop to go to Jaipur, take care of my luggage and then find the place where I was supposed to stay,” the 28-year-old PR consultant tells Little India.Born in Siberia and brought up in St. Petersburg in Russia, Aslamova eventually moved to Bengaluru in 2014 as a representative of Russian companies that wanted to do business in India. She talks about her stint in Jaipur, life in Bengaluru and more:Unexplored CountryAt the time, India was an unexplored country for Russians. We were only familiar with Goa. When I moved to Jaipur, I was amazed to see people wearing traditional clothes (women in saris, etc.) on a daily basis, unlike Russians. I have traveled to other countries as well but I don’t think I have ever seen people follow their traditions and culture so closely. People here could be working until late in the night but will still get up early to do puja in the morning. I think this is what makes India different from the rest of the world. Life in JaipurI interned as a PR consultant in Jaipur. I helped the company connect and collaborate with travel agencies in Russia. When I moved there, I thought I would meet a lot of Indians but because it was an international internship, I met people from different countries but none from India. At the time, there were no supermarkets in Jaipur. It was very difficult for me to find non-vegetarian food. Jaipur is mostly vegetarian whereas 95 percent of Russia is non-vegetarian. Also, I came during the winter and it was extremely cold even inside the house. I remember telling my mother that if I die here, it would be because of the cold. In Russia, we have central heating systems inside our homes, where the temperature does not go below 25° Celsius. In Jaipur, the houses are made of marble, which makes you feel colder during the winter season. My friends would laugh at me saying, “Out of all the things you can complain about, you choose the cold weather.”Another thing that really got to me was the unnecessary attention I got because I was white and blonde. I would go to office and while on my way, 3-4 people would ask me for pictures almost every day. I was okay with it for the first month but then it really affected me. The city has some beautiful forts and historical monuments. I don’t think you can find painted elephants anywhere in the world. But it is not easy for a foreigner to live in Jaipur as it’s very traditional and orthodox. Living in BengaluruI moved back to India in 2014 for work. The Russian companies I was working with wanted someone with experience to represent them here and were okay with me staying anywhere in India. So, I did a bit of research and decided on Bengaluru because I had visited the city previously and loved the weather.Bengaluru is just like any other normal cosmopolitan city. It is a very alive, vibrant, modern and fast. It’s easy to talk to people and make friends here. It is the best city to live in for those wanting to get into the startup industry. Also, nobody cared about how I looked. Nor did anyone ask me for pictures! In Jaipur, I followed the culture and wore kurtas, etc. In Bengaluru, I didn’t feel the need to do that. Finding non-vegetarian food is also not a problem at all. The traffic is crazy. There are not many places to walk here as compared to Russia. Both Lalbagh and Cubbon Park are far from my place and if there’s traffic, it takes double the time to reach. When I talk to my brother and tell him that I have to go really far from the house – about 10 km, he feels that it’s nothing because in Russia, travelling 1,000 km is not really a big deal.‘I Have to Reach Home’It was a challenge to drive here initially. Every time I got behind the wheel, I thought I would lose all my hair due to stress. I will never forget the first time I drove alone in the city.Yulia AslamovaI decided to participate in a marathon, which was scheduled to begin at 6 am. My husband refused to get up so early in the morning and drive me to the location. He asked me to go all by myself as I already had a license. So I left at 4:30 am and reached the location. There’s no traffic so early in the morning. I was already extremely nervous about driving alone. Unfortunately, the marathon got delayed by an hour. All I was thinking was that it would take me 30 minutes to run 5 km and by that time traffic would be at its peak. How would I drive back home? I ran so fast that I won the marathon. I did not even feel tired as my only concern was to finish the marathon and drive back home before peak traffic began. When I finished the marathon, they asked me to wait till the end as I was supposed to get a prize for being the first woman to win it. I just said, “No, no I can’t wait. I am really sorry. This was amazing but I have to reach home.” The organizers were shocked as I didn’t even get myself clicked and just rushed home. I came home told my husband I won. He asked about my medal and started laughing when I told him that I couldn’t collect it because I had to drive back home before rush hour began.The Art of NegotiationI learnt the art of negotiating with shopkeepers while interning in Jaipur. I realized that the quoted price is never final and that I must bargain for a cheaper deal. In Russia, I found it creepy to ask for a discount. Here, I realized that it was abnormal to not ask for one. It’s part of the culture here. Now, I’ve become a pro and can bargain better than my husband.Yulia Aslamova with her husband Anil LundI also learnt the importance of saving money. We have a lot of government support in Russia, therefore, we do not think much about having a financial back-up plan. But, here, it is necessary to have one in place. Happy and ContentI realized that happiness does not depend on my income, rather it comes from within me. I learnt to go with the flow, be flexible and not try to control everything. India taught me to have full faith in God and the Universe and take life as it goes. Don’t be so focused on achieving success that you forget to enjoy the moment. Staying here has made me a more chilled out and stress-resistant person now. India is my second home. I found my life partner here. My daughter was born here. I’m absolutely content with my life here. The interview has been condensed and edited.Expat Voice is regular column on expats in India. Email us at email@example.com to nominate yourself or another expat for the column. Related ItemsBengaluruJaipurRussia
Laila Rouass, the Indian-origin British actress, hid in a restaurant freezer during the terror attack at Barcelona in Spain on Thursday and tweeted live updates. The 46-year-old actress narrated the horror as she heard gunshots fired around her.The former Holby City actress, who began her career in the showbiz as a Channel V anchor in India in the early 1990s, was visiting the city on a holiday with her 10-year-old daughter Inez Khan. Rouass is married to snooker star Ronnie O’Sullivan.“Gunshots just heard”“In the middle of the attack. Hiding in a restaurant freezer. Happened so fast. Praying for the safety of everyone here,” she posted on Twitter just after the attack began. Her next tweet said, “Gunshots just heard. Armed police running down the street looking for someone.”In the middle of the attack. Hiding in a restaurant freezer. Happened so fast. Praying for the safety of everyone here x— Laila Rouass (@lailarouass) August 17, 2017She later thanked the staff of the restaurant where she took shelter.Thank you to the staff at the restaurant for staying calm and keeping us safe. I love you Barcelona.— Laila Rouass (@lailarouass) August 17, 2017Photo Credit: TwitterBorn to a Moroccan father and Indian mother, Rouass also appeared in Footballers’ Wives from 2004 to 2006. She was also a contestant on Strictly Come Dancing, and stood fourth in 2009. She got married to O’Sullivan in 2012.The attack on the tourist street of Las Ramblas led to 13 deaths and injuries to many after a man drove a van into a crowd of people. Among the victims were people from over 34 countries, including France, Germany, Pakistan and the Philippines. This was the first of the two attacks that the country faced, the second one taking place in Cambrils on Friday, when a car ploughed through a crowd, killing a woman and injuring several. Police shot dead five terrorists.Spain’s Interior Minister Juan Ignacio Zoido said the country will maintain Level-4 security alert level, one step below the maximum level that signals an imminent attack. The government would enhance security at tourist destinations and popular locations, he added. “We are going to redirect our efforts and will adapt these to every place or area that needs special protection,” he told the media. Related ItemsBarcelona terror attackCambrils terror attackLaila RouassLaila Rouass BarcelonaLaila Rouass Spain attackLas Ramblas terror attackLittle IndiaSpain terror attack
Indian American billionaire and entrepreneur Vinod Khosla gained one legal victory as San Mateo county judge Steven Dylina found that there was no evidence that his Martin’s Beach property’s previous owners had granted a right of access to the public by displaying billboards and inviting visitors. The Superior Court of San Mateo county judge announced his ruling on Nov. 3 after conducting a nonjury trial in a suit filed by a group called Friends of Martin’s Beach, SFGate reported. No written decision has been issued by Dylina yet.Earlier, in another case involving the nonprofit Surfrider Foundation, California Supreme Court on Oct. 25 denied a hearing for Khosla’s appeal against a lower court’s order to open the Martin’s Beach near his property at Half Moon Bay, California, to the public. Khosla, the founder of Sun Microsystems and venture capital firm Khosla Ventures, can file his case with the U.S. Supreme Court within 90 days.Khosla faces two lawsuits, one each by the Surfrider Foundation, and the Friends of Martin’s Beach. The latter sued Khosla for violating Article 10, Section 4 of the California Constitution regarding public access to navigable water.The property surrounds Martin’s Beach road, which is the only access to the beach. According to California law, the beach should be accessible to the public and the previous owners of the property allowed entry to tourists in exchange for a parking fee. Khosla bought the 90-acre property in 2008 for $32.5 million, following which a gate was built and access to the beach was cut off.California State Lands Commission made an offer to purchase an easement from Khosla in October 2015 but he did not accept it. Instead, he wanted a trade for another beach in California. In September 2016, Khosla sued California Coastal Commission, California State Lands Commission, San Mateo County Planning and Building Department, and individuals associated with these bodies for harassing and coercing him.Khosla’s lawyers told the court in August 2017 that any interference by the state with his “right to exclude the public from private property” would amount to an unconstitutional confiscation of his land, and that he deserves to be compensated under the U.S. Supreme Court property-rights rulings.On Aug. 9, the California Court of Appeal for the First Appellate District ruled that the trial court’s judgment in Surfrider’s favor is affirmed, and awarded costs on appeal. “This is not simply a win for surfers in San Mateo County,” said Surfrider’s Legal Director Angela Howe. “This is a win for all of the beach-going public that wish to enjoy California’s beautiful 1,100-mile coastline.”“I think this man is so embarrassed by his conduct that somebody must have said to him, ‘Open the gate and let the courts figure it out down the line’,” Joseph Cotchett, the lead attorney for the Surfrider Foundation, said, the San Francisco Chronicle reported.Currently, the gates to Martins Beach are open, and surfers, picnickers and fishermen have access to the area. Related ItemsMartins BeachSun MicrosystemsVinod Khosla
India-born wrestler Jinder Mahal won the United States Champion at WrestleMania 2018 on April 8, becoming the first Indian to win at “The Grandest Stage of Them All.”The Indo-Canadian wrestler, whose real name is Yuvraj Singh Dhesi, last won the WWE Championship on Aug. 20, 2017, retaining his title of champion by defeating another rising star Shinsuke Nakamura at WWE pay-per-view SummerSlam 2017 at the Barclays Center in Brooklyn, New York.On April 8 this year, he took on champion Randy Orton, Bobby Roode, and Rusev in a fatal-four-way clash to win the title of the United States Champion. Mahal, also known as the Modern Day Maharaja, lost his WWE title to AJ Styles four months ago.In the latest match, Rusev was the favorite for winning the match and the title, but a mistake from him threw his efforts down the drain. Sunil Singh of the Singh brothers, who are his aides, also played an important part in Mahal’s victory.EXCLUSIVE: 70,000+ witnessed the continuation of the #MaharajaEra when @JinderMahal WON the #USTitle at #WrestleMania 34! @SinghBrosWWE #AndNew pic.twitter.com/YlDHtfDz6N— WWE (@WWE) April 9, 2018Mahal used his final move called “Khalaas” — meaning finished in Hindi — to defeat Rusev, according to the Indian Express. Mahal went down for cover and Rusev couldn’t recover from that move by the Punjabi wrestler, who is the nephew of yesteryear’s famed wrestler Gama Singh.Mahal’s first tweet after winning the championship was to antagonize his on-screen rival, Rusev.First order of action as #USChampion; Rusev Day has been cancelled.— The Maharaja (@JinderMahal) April 9, 2018“First order of action as #USChampion; Rusev Day has been canceled,” he tweeted.In 2016, Mahal returned to the arena with a better body and storyline. He wore his Indian origins on his sleeve and used his identity as a person of color to incite the crowd. His storyline was talked about as a part of a ploy by the World Wrestling Entertainment (WWE) to make inroads into the Indian market. Prior to that, during his initial days, Mahal was used only as enhancement talent with brother-in-law, the Great Khali, who has been inactive since 2014.After his comeback, Mahal has worn a turban, told the crowd in the United States how clueless they are, got Bhangra performers on the stage as well as a woman who sang the Indian national anthem. He also started talking about the greatness of immigrants around the same time U.S. President Donald Trump started implementing his anti-immigrant policies, according to the New York Times.Meanwhile, Indian female wrestler Kavita Devi made her WWE main roster debut at WrestleMania 34 Women’s Battle Royal on April 8. Devi is a gold medal-winning powerlifter and the first Indian woman to sign with WWE. Related ItemsJinder Mahalwrestlingwwe
The highest number of invitations for Canada’s Express Entry program were received by Indians in 2017, figures released by the Canadian government show.Express Entry is Canada’s flagship application management system for key economic immigration programs. The number of invitations issued to Indians in 2017 was 36,310, a huge jump from 11,037 invitations issued in 2016. The total number of invitations issued for the program was 86,022, of which Indians received 42 percent, the Express Entry Year-end Report 2017 revealed.China was ranked second with 7,466 invitations, while Nigeria acquired the third spot with 5,130 invitations issued. In 2016, India got 33 per cent of 33,782 invitations issued.Express Entry facilitates a direct employer role in the immigration process. Employers may connect with foreign nationals through recruitment techniques like a job bank, private job boards, recruiters, or job fairs. Express Entry manages three programs — Federal Skilled Worker Program, Canadian Experience Class, and Federal Skilled Trades Program — that fall under the Federal High Skilled category.The report showed that 109,497 applications were received for permanent residency under the Express Entry program in 2017. As many as 86,022 invitations were sent and a total of 65,401 permanent residents and their families were admitted into Canada.“As of January 3, 2018, there were 71,087 active candidates in the Express Entry pool. Improvements made to Express Entry in November 2016 appear to have significant impact on the occupation mix of candidates that received an invitation,” the report added.People from different fields received invitations in 2017. The highest number of invitations, totaling to 5,214, were sent to information systems analysts and consultants.Software engineers were the second on this list, with 4,782 invitations in 2017, while computer programmers and interactive media developers received 3,479 invitations, and financial auditors and accountants got 2,386 invitations, the report added.People involved in occupations such as advertising, marketing and public relations got 1,497 invitations while retail sales supervisors received 988 invitations.“Preliminary admissions data show that in 2017, Canada admitted more than 286,600 permanent residents, which is within the approved levels range of 280,000 to 320,000 for all immigration categories (Economic, Family, Refugees and Protected Persons, and Humanitarian and Other),” the report said.The report pointed out that the majority of applicants came from overseas, as compared to 2016, when a much higher percentage comprised applicants who were already in Canada on a temporary visa. “Total invitations issued to candidates residing in Canada dropped from 64% to 49% between 2016 and 2017. As more candidates living abroad were invited, and their applications ultimately approved,” the report added.The Canadian government recently made significant changes in visa procedures to reduce the processing time for student visa applications, and to give more eligible students the opportunity to study at post-secondary institutions in the country through the Student Direct Stream (SDS). Related ItemsCanadaExpress Entry
NEW YORK – March 24, 2016 – 360i today announced that it’s been named the only Leader in the March 2016 Forrester Research, Inc. report “The Forrester Wave™: Search Marketing Agencies, Q1 2016.” According to Forrester, “Four-time Leader in this study, New York City-based 360i repeats this time because of its support for user discovery across multiple search, social, mobile, and content platforms.”In this evaluation, 360i’s top scores were in the Corporate Strategy and Vision, Client Satisfaction Organic Visibility, Account Management and Number of Employees criteria. Forrester further states that 360i “owns a host of proprietary tools to automate content monitoring…” and that “domestic marketers…who want to move past traditional paid search and SEO will like this firm’s investment in envelope-pushing staff and innovation.”“We’re incredibly proud to be recognized as a Leader in this report, for the fourth time, as we feel it shows not just excellence, but consistent excellence” said Jared Belsky, president of 360i. “360i is rooted in a heritage of search marketing that we have helped to pioneer, and each year we aim to continue to evolve and reimagine the landscape for our clients.”For the report, Forrester evaluated ten top search vendors, examining past research, user need assessments, and vendor and expert interviews to establish 23 criteria by which it reviewed the agencies. Participating agencies focus on search services, offer a balance of paid search and SEO offerings and focus on delivering solutions to enterprise clients.The recognition comes on the heels of 360i being named to the Advertising Age A-List for the fourth year straight, being honored as MediaPost’s OMMA Agency of the Year three years in a row and to Advertising Age’s Best Place to Work list.
The average person may see anywhere between 4,000 and 10,000 ads in a single day. From binge-watching your favorite shows to checking the pile of coupons in your mailbox, advertisers have inundated our lives. Most of the ads we see… Full Story,Dressing up for Halloween is one of the best parts of the holiday, especially if you’re a creative person. But buying a Halloween costume can get expensive, with many costing more than $50 a pop. And unless you plan to… Full Story,You may not find it on an official calendar anywhere, but Friendsgiving is a newer holiday that has gained popularity in recent years. Much like Thanksgiving, Friendsgiving is a time to gather around the table with loved ones in the… Full Story,My birthday is on Halloween, so every year I get super excited. I plan what my costume will be, decide how I want to celebrate and text all my friends to let them know. Last year, I was finally able… Full Story,Not much of a football fan? Don’t know what all the cheesehead hat-wearing and face paint-smearing is all about? Skip hanging out at the local sports bar or sitting in the stands at a game, and put on your entrepreneurial… Full Story,Living paycheck to paycheck can feel like an endless scramble. Rent is due on the first but your paycheck won’t clear until the second. On top of everything, you need to pay for groceries, a bus ticket, and utilities before… Full Story,Decision fatigue is the decline in energy and focus you experience after making too many decisions. This mental drain causes your brain to abandon your willpower in order to seek more immediate rewards, which leads to poor decision making and… Full Story,If you ask a random person on the street what they do, chances are they have a lot of slashes and hyphens in their job titles. In this day and age, if you don’t have multiple sources of income… Full Story,Do you consider yourself a financially responsible young adult? Personally, I like to think that my finances are mostly in order. Rent, student loans, car payments—everything big is blocked off nicely. If the math works out right, I have a… Full Story,In the financial world, nothing evokes feelings of terror quite like the word “bankruptcy”. It’s become synonymous with a complete and utter collapse of one’s finances – a black hole that’s almost impossible to climb out of. When you declare… Full Story
FH Healthcare Care Cost Estimator (iOS)Tackles: Mystery healthcare costs.The Healthcare Cost Estimator, by the not-for-profit group Fair Health, helps you understand the cost of medical and dental procedures, how insurance works, and how to compare providers.It draws from its database of hundreds of millions of insurance claims to show you prices in specific geographies and how much your insurance might pay.Also check out the handy glossary of healthcare terms and collection of videos and articles about navigating health insurance for the full comparison-shopping experience.Simplee (iOS)Tackles: Stacks of bills everywhere and having to pull out your checkbook to pay them.With Simplee, you have everything you need to track, manage and pay your medical bills from one place online.By linking all your health, vision, dental, and pharmacy plans to your account, you can see your deductible status or HSA balance, view your benefits, and pay any medical bill with a few taps.Simplee also sends you various alerts and insights about your insurance claims, such as notifications about free preventive care or claims that looked like they were billed incorrectly.It’s basically a one-stop-shop for keeping your bills paid on time and in perfect order. Read more about Simplee here.Healthcare Blue Book (iOS, Android)Tackles: Unknown prices for health care services.The Healthcare Blue Book has been around for awhile, helping consumers find the fair market price for anything from an MRI to a heart surgery. Now, the search is available on mobile.See how providers in your area rank as far as the price for specific services and the range of costs out there. You’ll also get tips on saving money and finding quality providers and help with how to negotiate prices.The app is especially great if you’re uninsured.Tomer Shoval is the CEO and Co-Founder of Simplee, a free online personal health care expense management tool. Connect with him on twitter, facebook or email. Post navigation Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Related
So you have debt. As you probably know, you’re suffering in good company. According to the Federal Reserve, total household debt is at a staggering $13.86 trillion — and has been steadily climbing. While you might be one of millions… Full Story,We’ve all heard the expression “less is more,” and the concept of minimalism embraces that fully. While it is not a new concept, the minimalism trend has gained popularity in recent years, especially amongst Millennials in the United States. From… Full Story,Saving more money is one of those big goals that a lot of people have, but get stuck. I know this because we use to be right there too. The year would fly by and we were nowhere near our goal…. Full Story,Have you ever heard of “discretionary income” but felt unsure about exactly what it means? You’re not alone. Many people are aware of what they spend, but not the financial lingo behind it. Discretionary income refers to the remaining funds… Full Story,Mastering the personal finance basics feels pretty good. Getting a firm grasp on your expenses and budgeting like a pro is a reason to celebrate—you’re building the foundation for a solid financial future! This, of course, goes hand in hand… Full Story,While the traditional definition of financial freedom is that you have enough in investments, savings, and passive income that you don’t have to ever work for money again, it can also mean that you reach a point where you don’t… Full Story,Do you ever feel on edge because you’re not sure if you have enough in your bank account to cover your bills and put food on the table? If so, you’re far from alone. A recent study by the United… Full Story,Starting your journey toward financial fitness can be overwhelming. If you take a gander at the Center for Financial Services and Innovation (CFSI)’s eight key indicators of financial health, which include spending less than your income, having sufficient living expenses… Full Story,This Independence Day, as with each 4th of July, I’m reminded of the great leap of faith my parents took more than 37 years ago when they bought one-way tickets to the United States. Their move from their embattled Iran… Full Story,Earlier this month I had a major #fangirl moment. It was a full #fangirl evening, in fact, when I teamed up with New York Times bestselling author and Girlboss founder Sophia Amoroso to share in a very special money event…. Full Story
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College Grads Make More Money…Depending on the field that graduates enter, incomes can be across the board, but a majority of our Mint users in that age range earn between $25K and $50K annually. …and Spend More Money!The newfound earnings may seem like a lot of money to a recent grad but, when faced with the sticker shock of life outside school, the typical Mint user experiences an accompanying increase in spending on rent, entertainment, and education related expenses – mostly student loan repayment. That bill averages about $300 per month.Most grads continue to use credit cards after graduation. In fact, their card charges increase from $1,200 to $1,900 on average. But most of them don’t pay finance charges, which means these savvy Mint users are the ones who pay their balances by the end of the month. This explains why Mint’s young users have an average credit score of 690, considerably higher than the national average of 630 for the same age group*.Good work, Minters! But while you’re paying off your college debt and adjusting to life on the outside, don’t forget to save for your future. Only 2% of college students have significant long-term savings, and that number only goes up to 7% among college graduates 25 and under. It might seem daunting to set aside those crucial dollars, but that money will grow over time and make your older self thank your younger self.Moving ForwardPeart is in that 7% – he follows the mantra “Save, invest early and often, reap the benefits later.” With a goal to live debt-free and retire in his 20’s (he just turned 26), Lawrence uses Mint to budget and find extra money to sock away for the future. While his income falls in the same range as the majority of recently graduated Mint users, his experience both during school and in the few years since graduation defies many of the statistics, so naturally we asked him all about it.What kind of shift in spending did you experience between college and post-college life? I think it might surprise most people to hear that I spend far less money now than I did in college. Once you start earning an actual income and developing a clearer sense of your relationship to money it becomes much easier to save, and feels more rewarding to do so. While in school I never had much cash, so in a way it had less value and I spent it more freely. You expect to be broke in college, which becomes a self-fulfilling prophecy, and unless you’re careful that can then extend past your college years into your working life. I even had a little saying for it: the closer I am to zero, the less I have to lose.The average college graduate spends about $300 per month on student loan repayment. What’s your bill?$0. My experience paying for college was a mixture of some good fortune, a little bit of privilege, and tons of hard work. I chose a public school in a reasonably cheap city, I received decent grants, I applied for every scholarship available to me every semester (and made sure I had the grades to qualify) and for all but my sophomore year I worked at least part-time to have a source of income. I graduated broke, sure, and maybe missed out on some fun things here and there, but at least I didn’t owe anything. What was the most shocking financial realization you experienced once you left college?That you can save quite a bit of money not doing the stuff everyone seems to think you have to be doing. If you don’t buy fancy clothes, go out for drinks every day, feel the need to keep up with the newest phone every 6 months etc., all of that extra cash starts to add up.What are your thoughts about retirement savings, and what do you practice?I half-seriously tell myself that I want to retire in my 20’s. I don’t mean “retire” in the way most people would think of retirement, I always want to be creating and applying myself to something, but I’d like to have the ability to not work for long periods of time. To be able to wake up one day in the near future and say “I am comfortable not working the rest of the month, time do something creative” and not feel guilty about it. That’s the goal.I set up a Roth IRA almost immediately upon getting sustained income and contribute the full amount each year into basic low-cost index funds. I admire my parents in a lot of ways and don’t question their decisions and what life events influenced them, but while they are both doing fine in retirement age they are doing so without any long-term retirement account holdings. It might be hard to imagine 40 years down the line, but the math regarding investing when you’re young is compelling.How does Mint help you stay on track?I worked for about nine months before I came across Mint, and even though I thought I was being good with my money, you truly have no idea until you see it categorized and laid out in front of you. Those little purchases each day, the subscriptions, the monthly payments, it all adds up fast. You might think you’re saving money, but you’re not. It really does take hard work. Mint makes it easy, and I’ll tell everyone who listens: it’s even made paying bills fun. The first week of each new month is like Christmas. I get paid, I pay off my recurring expenses and then allocate how much I want to save that month before organizing more flexible costs like groceries, entertainment, etc. I follow one maxim above all else: you don’t save what is left after spending, you spend what is left after saving.You can be like LawrenceDoes the idea of watching the savings pile up get you excited? Try setting up a goal with your Mint account and making that progress bar move!We would like to hear your story! Contact us at Editor_Mint@intuit.com with “Mint User Story” in the subject.Kim Tracy Prince is a Los Angeles-based writer who is pretty jealous of Lawrence’s early progress. It took her many years to pay off her student loans. She celebrated by finally framing her diploma.*Source: https://www.creditkarma.com/trends/ageShare this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedWhat Every Student Should Know About Student LoansSeptember 18, 2018In “Student Finances”7 Things College Students Should Know About CreditApril 23, 2017In “Student Finances”Student Loans Explained: WTFinanceAugust 12, 2019In “Financial IQ” Photo Credit: Lawrence Peart“Mint is so crucial to my personal finance I honestly have no idea where I would be without it.” That’s what Austin, TX photography consultant Lawrence Peart says when reflecting about his transition from college student to young pro, financially speaking. His experience so far shows that it is possible to graduate from college without debt, and to adjust to the higher cost of living as a young professional, while also saving money for your future.But Peart stands out from the crowd. We looked at Minters’ numbers to see how college students and recent graduates use their money or handle debt, and found that there’s a big shift in many categories from ages 18 to 25 – incomes increase, spending categories fluctuate, and debt repayment – well, you know how that goes. Student loan payback time for many! Post navigation
While much of the debate around Laudato Si tends to focus on climate mitigation, the Encyclical is equally about human dignity, and ensuring that poor and vulnerable communities are equipped against irreversible climate impacts. This would require the Catholic Church, the Vatican Bank and the global faith community, to go beyond the “‘do no harm’ harm” principle and encourage “virtuous” investments in low-emissions and climate-resilient development, which are crucial to achieve the Laudato Si objectives.The Vatican could also make a pledge to one of the international climate funds, which assist developing countries in taking climate action. A financial contribution from the Vatican would be a concrete way to support the Paris Agreement and implement the spirit of Laudato Si.3) Carbon Neutrality in its Operations and PropertiesIf you walk the talk, you should also look at your footprint. The Catholic Church has many opportunities to reduce its carbon impact, considering the large amount of properties it manages, including about 223,000 parishes, 140,000 schools, 1,200 universities, and 1,000 healthcare facilities. Furthermore, it owns a considerable amount of land, estimated to be around 180 million acres. A clear, concrete commitment from the global Catholic Church itself during one of the upcoming climate action convenings, such as committing to a science-based greenhouse gas reduction target, would show how the Church itself translates Laudato Si ambitions into action, and could inspire its faith community, as well as other communities, to be equally ambitious.To effectively measure and mitigate emissions and enforce carbon-neutrality for the large, globally-scattered holdings of the Church won’t be an easy task. It would require the establishment of a GHG emissions inventory, a roadmap for action and close monitoring through tools, reporting and analysis for climate action. But if there was ever a moment to showcase what can (and should) be done in practice to realize the vision and ambition of Laudato Si, it is now.Injustice Is Not InvinciblePope Francis called on citizens’ pressure groups worldwide to promote and practice integral ecology, ensuring them that “injustice is not invincible.” If Pope Francis succeeds in complementing his moral leadership by announcing and implementing a concrete climate action roadmap, it may well inspire and incentivize the creation of these much-needed peoples’ mass movements. As WRI has noted, success will require disruptive political, social and corporate partnerships–movements rather than mere policy shifts, that are motivated by the opportunity for a better future rather than by narrower environmental goals.We are running out of time. There is some hope that grassroots pressure may compel and force leaders to walk the talk too. Earlier this month, Pope Francis invited to Rome a diverse group of scientists, economists, activists, diplomats, youth and indigenous representatives for a conference celebrating the third anniversary of his landmark encyclical letter Laudato Si. In the encyclical, the Pope urged the world to protect global ecosystems while uplifting the poor and vulnerable, sending a wake-up call to the 1.2 billion Catholics worldwide—and many others—to rally for a global movement for climate action.After ambition comes action. With Pope Francis’ moral leadership and the faith community worldwide, the Catholic Church is uniquely positioned to lead a global movement for climate action. Here are three things the Vatican can do to inspire the world and demonstrate its own leadership on climate action.1) Push for Greater Ambition to Limit WarmingTo keep global temperature rise well below 2 degrees and aim to limit it to 1.5 degrees Celsius—the temperature goals identified by the Paris Agreement for the global effort to prevent catastrophic climate change—global emissions need to peak by 2020. Moreover, leading up to and following 2020, the world needs to take transformational action that puts us on a pathway for decarbonization by mid-century, as the upcoming Special Report on 1.5 degrees from the Intergovernmental Panel on Climate Change is expected to show.The next few months—in fact, the next 1,000 days—will hence be critical to deliver the ambitions of the Paris Agreement. Immediate-term action is needed in order to ensure peaking by 2020. Beyond that, a key decision point lies ahead under the Paris process. Not only must countries implement the commitments to cut emissions they made in their ‘nationally determined contributions’, those commitments must be also strengthened by 2020 to put us on the needed trajectory to mid-century. That stronger climate action will also require greater finance and capacity.This requires new leadership, leveraging the momentum of the Global Climate Action Summit (San Francisco, 12-14 September 2018), COP24 (Katowice, Poland, 3-14 December 2018) and the UN Secretary General’s Climate Summit (New York, September 2019).”Reducing greenhouse gases requires honesty, courage and responsibility, above all on the part of those countries which are more powerful and pollute the most,” said Pope Francis, defending the right of everyone—including future generations and today’s vulnerable communities—to live in a world that consists of more than “rubble, deserts andrefuse.” He should continue to speak out on behalf of the voiceless, sending a strong message to the World’s leaders for more ambition.2) Redirecting Financial Flows to Support a Low-Carbon, Resilient TransitionMoney makes the world go around, but we face planetary destruction if financial flows are not redirected away from high emissions activities and towards climate solutions. During a recent meeting with oil executives, Pope Francis expressed that we cannot continue to explore and exploit fossil fuel reserves, but rather should “keep it in the ground.”Walking the talk would also imply following this statement with concrete action. For instance, the Vatican Bank and more Catholic pension funds could follow the Church of England’s example and join the Climate Action 100+ initiative to push high-emitting companies towards low-carbon business models over the next few years. The implied threat of this investor initiative is that if companies don’t show serious progress, members will collectively divest. The Church of England recently made this threat very clear—announcing that they will divest from fossil fuel companies in 2023 if they haven’t yet aligned their businesses with Paris Agreement goals. The Vatican Bank and other Catholic pension funds could do the same.Investments in climate-resilient development, such as sustainable development in Andean communities where glaciers are disappearing, are necessary. Flickr/World Mountain Forum
In too many countries, decision-making on climate change rests solely in the hands of a limited set of policymakers and planners. This is a lost opportunity to build awareness, political commitment and accountability for the kind of transformational change needed to get the world on a more sustainable path.New WRI research focuses on a group of countries (Canada, Costa Rica, France, Germany, Ireland, South Africa and others) that have initiated national dialogues or other forms of public engagement on climate change, specifically in the context of long-term planning. Our findings highlight the complexity and challenges of negotiating different and sometimes divergent interests, building trust, and enhancing the access of historically marginalized groups, while devising a national strategy that promotes inclusive economic development on an ambitious, low-carbon trajectory. But the experiences of these countries also give reason for optimism—showing how public input is informing strategies and creating space for critical debates on a national vision for a low-carbon future.Giving the Public a Voice in Crafting Climate ActionUnder the international Paris Agreement on climate change, countries are invited to communicate long-term, low greenhouse gas emission development strategies (known as “long-term strategies”). This is one of the biggest opportunities governments have to involve the public in shaping climate action. Because long-ter strategies lay out a vision for an economic transformation, they offer a timely and important venue for public engagement on climate action.Transformative climate solutions are by necessity wide-ranging and touch all sectors of the economy and diverse geographies. This will invariably create winners and losers across and within societies. And while most studies show economy-wide decarbonization will produce net job growth, the jobs created may require different skills, may be located in different places, and may be created at different times than the jobs lost. Thus, measures like enhanced and targeted social protection programs and job training will be necessary to minimize socioeconomic and community disruption. These programs need to be designed with the input and support of the intended beneficiaries or risk being rejected, misunderstood or underutilized.For instance, when carbon-intensive industries are interwoven into the social identities of communities, their decline may threaten not only incomes, but also a sense of purpose and self. A deliberative, participatory process may help to reestablish a sense of control for workers who face transitions and dislocation.Besides directly affected workers, public interest and consumer groups may want to know how climate solutions could affect their daily lives, including the transportation they take to work, the quality of the air they breathe, their energy prices, and job opportunities in new industries. An inclusive process allows stakeholders to learn about a long-term strategy and contribute their ideas so that they can inform specific plans or policies.Examples from France, Germany and Costa RicaWhen France developed its Low-Carbon National Strategy, the country built upon the stakeholder-driven process it used to develop its 2015 Energy Transition for Green Growth Law. (At that time, France institutionalized a multi-stakeholder “Council for the Energy Transition,” which represented social, environmental and consumer protection NGOs, businesses, trade unions, subnational authorities, and members of the National Assembly and Senate.) This process was supported by a citizen advisory committee, an independent steering committee, and a five-year review process facilitated by the multi-stakeholder council allowing stakeholders to monitor and transparently inform the development of national laws.Surveys of officials from countries that have developed long-term strategies show that the stakeholder engagement process can impact the substance of the strategy. Specifically, in France, it led to greater equity for low-income households, by increasing the strategy’s emphasis on energy efficiency improvements in low-income housing rather than just focusing on low carbon energy sources. However, we know that stakeholder engagement has not always been pursued effectively in every policy context. Look no further than the gilets jaunes (yellow vest) protests: though rooted in anger over the repeal of France’s wealth tax and other measures viewed to benefit elites, the tinder was sparked by a carbon tax on fuel.In some cases, targeted stakeholder dialogues can inform the targets and pathways to achieving long-term strategies. In Germany, for instance, a government-appointed committee comprised of representatives of government, industry, trade unions, environmental NGOs and academia were mandated to agree on a phase-out date for coal. The members of the commission visited several mining districts to take up the issue with those who would be directly impacted. After exchanging views, the committee proposed a just transition policy package to the German government, including a phase-out date of 2038 at the latest, with an option to end by 2035. This exercise was in addition to the original stakeholder engagement process to develop Germany’s Climate Action Plan 2050, which included several approaches like citizen conferences held in five cities and a public online dialogue.In Costa Rica, not only were a wide-range of stakeholders engaged in the process to develop the national decarbonization plan, the plan itself spans a broad range of issues, including sustainable development priorities. It’s one of the first long-term strategies to specifically incorporate cross-cutting issues of human rights, gender and a just transition, all driven by the need to ensure the plan represents and addresses all citizens’ concerns. To manage tense discussions, the Costa Rican government involved a professional moderator during the stakeholder process. One of the most contentious issues to emerge after the launch of the plan was when the state-owned oil refinery announced it would prioritize the use of ethanol, despite a focus on zero-emissions electric mobility. Although integrating ethanol into the fuel mix could reduce emissions in the near-term, a lack of evidence about effectiveness and investment costs resulted in strong opposition. The decision has been postponed for a year to collect further technical feedback. This example highlights the reality that not all dialogues will reach consensus easily, and that adequate time is required to negotiate differences and provide evidence and analysis.Time for National Dialogues on Climate ActionNational dialogues and other forms of public engagement offer an opportunity to hear citizens’ concerns, discuss tradeoffs, and explore policies to ensure social protections and job opportunities. They can also strengthen linkages to other national planning processes and strategic goals around gender equality, climate resilience and poverty reduction. When a strategy reflects this feedback, including how it was considered, it builds trust between civil society and government and strengthens everyone’s commitment to implement and achieve climate goals.Ultimately, the success of a long-term strategy depends on its ability to shape policies and regulations in the near-, medium- and long-term. By building partnership and ownership across diverse constituencies, the process of writing a long-term strategy can help build coalitions of support for implementation over the long-term.As time goes by, political power and budgetary resources may change and shift. Countries should consider the institutional arrangements (rules, structures, processes) that will help ensure the public stays engaged throughout the design, implementation and potential revision of a long-term strategy. WRI’s analysis of the governance arrangements of long-term strategies highlights the diverse approaches countries have taken to involve stakeholders, as well as strengthen the political and legal foundations for realizing their long-term, low-emissions development visions. Involving the public in long-term strategies comes with challenges, but the alternative—excluding those who are affected—is not viable.
And more qualified leads! We wish you a high conversion! Webinar: Always Be Testing: 10 Tips For Increasing YourLead Conversion Rate A valued call to action We wish you a high conversion! Lyrics We wish you a high conversion! Originally published Dec 21, 2009 10:29:00 AM, updated October 20 2016 Downloadthe free webinar We wish you a high conversion! We wish you a high conversion! Tweet this Merry Marketing Carol! Topics: Video Credits Good prospects you’ll bring for your sales team kin Is a landing page win! Producers: @ repcorand @ shaxxon And more qualified leads! to for tips on testing, measuring, andanalyzing your marketing programs to improve your lead conversionrate. We wish you a high conversion! Conversion Rate Optimization May your 2010 marketing be merry! Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack Learn how to convert website visitorsinto leads with calls to action and landingpages HubSpot Singers: Common Sound What is on every B2B marketer’s Holiday list this year? An increased traffic to conversion rate while maintaining (or improving!) lead quality, of course!
Topics: Originally published Aug 5, 2011 5:05:00 PM, updated July 28 2017 Don’t forget to share this post! AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to Email AppEmail AppShare to LinkedInLinkedInShare to MessengerMessengerShare to SlackSlack SEO Strategy Compete.com regularly ranks the world’s top websites. Checking out the top 10 lists for sites with the most unique visitors in June 2011, I decided to conduct a deeper investigation into just what it is about these sites that makes them tick.Amazon, sitting at number 7, stood out to me immediately. No surprise here. Amazon is constantly exemplified for its web and marketing prowess. It’s the top case study for how and why marketers should use personalization in their marketing — leveraging the wisdom of the crowd to create a more personalized user experience that increases customer conversion dramatically.In fact, this is true for many of the sites on Compete’s top 10 list, which is why it tops my own list of lessons marketers can learn from Amazon’s web strategy … 1. Use the Crowd to Create “Segments of One” Amazon and many of these sites are brilliant at leveraging the wisdom of the crowd to create “segments of 1,” or segmentation that is so granular it focuses on each individual person and their specific online behavior, wants, and needs.The pages I view and emails I get from Amazon are unique to me. They offer suggestions for books, movies, and other products I might like based on my personal purchase history and shopping patterns. Like Netflix, Google, Facebook, YouTube, and so many other high trafficked sites, Amazon uses the wisdom of the crowd to personalize the user experience and dramatically increase conversion . Marketing Takeaway: Take a hint from Amazon and these other top websites and create a more personalized user experience for your target audience. Leverage the information you can gather from your prospects and customers in order to create fine-grained segments and target messaging and offers that specifically cater to those segments’ individual needs. You’ll find that with this method, you will dramatically increase your conversion rates. 2. Create Tons of Content Amazon has 248,000,000 pages stored in Google’s index. Each of these 248,000,000 pages has the opportunity to rank for any number of keywords in search engines . Now that’s quite a bit of on-page SEO juice! Marketing Takeaway: The more pages you have on your website, the more pages your site can be indexed for in search engines. More pages also means more opportunities for your prospects to find you in search engines and more chances to rank for your business’ top keywords. The best way to create tons of website pages is by blogging. Start a business blog , publish frequently, and make sure each post is search engine optimized for your best keywords. The more optimized content you have, the better your chances will be of getting found online. 3. White Space Is Over-Rated To be honest, it looks like someone threw up their Halloween candy all over Amazon’s web pages, but it doesn’t seem to matter. In fact, really none of Compete’s top 10 sites are particularly Apple-esque in design, which many web designers seem to idolize. Most of them have near zero white space and are chock full of stuff. That said, if they are the top 10 most visited websites, it just goes to show that web design isn’t the most important thing. Rather, being effective is what wins. Marketing Takeaway: Stop obsessing about web design and instead focus on making your website effective. Rather than spending your time and money on making your site look pretty, spend it on optimizing your website pages, creating remarkable content that attracts visitors, and optimizing your site and landing pages for lead generation. Your site can be the prettiest website in the world, but if it doesn’t generate leads and customers for your business, what’s the point? What else can you learn from Amazon’s web strategy?
James Anderson became the first player to take 100 wickets at Lord’s during day four of the second Test versus India on Sunday.Anderson took the wicket of Murali Vijay in the second over of India’s second innings to reach the landmark. This was also his 550th Test wicket.Anderson bowled a fuller length ball in the tight off stump corridor and got it to cut back in appreciably. Vijay came forward tentatively and tried to defend it but there was a big gap between his bat and pad. The ball took the inside edge of his bat and carried through to Jonny Bairstow, who took a simple catch to his left. Vijay, who was out for a duck again, got his first in Test cricket.Anderson is overall the second bowler to take 100 wickets at a single venue after Sri Lanka’s Muttiah Muralitharan, who has taken over 100 wickets at three separate venues in Test matches. Muralitharan has taken 166 wickets at the Sinhalese Sports Club Ground in Colombo, 117 wickets at the Asgiriya Stadium in Kandy and 111 wickets at the Galle International Stadium in Galle.What a jaffa! wickets at Lord’s for @jimmy9!Scorecard/Videos: https://t.co/QaHxVc4jQO#ENGvIND pic.twitter.com/F51SU5EzMgEngland Cricket (@englandcricket) August 12, 2018Anderson took 23 Test matches to reach the landmark and has a career-best of 7/42 at the Home of Cricket. He also has also taken six five-wicket hauls at Lord’s. Stuart Broad is just behind Anderson, taking 79 wickets so far from 21 Test matches at Lord’s.advertisementIt took just two overs for Anderson to strike after England decided to declare on 396/7, with a lead of 289 runs after Sam Curran got out for 40 off 49 balls while trying to get quick runs. Chris Woakes remained unbeaten on 137 runs as England decided to test the Indian batsmen under cloudy conditions.Anderson now has the most number of wickets in an India-England series with 96 scalps to his name. India’s Bhagwat Chandrasekhar is second with 95 and he is followed by Anil Kumble (92), Bishan Singh Bedi (85) and Kapil Dev (85).WATCH: Full highlights of a swing bowling masterclass from Lord’s!https://t.co/GnGGJLrHRh#ENGvIND pic.twitter.com/oA8EmZcz13England Cricket (@englandcricket) August 10, 2018Anderson starred with the ball in the first innings as well. After Joe Root won the toss and decided to bowl first, he took just five balls to knock Vijay’s stumps over with a late away swinger. Anderson then extracted an edge from Lokesh Rahul’s bat to hurt India early.He returned later in the day, to get Ajinkya Rahane, who looked the most accomplished of the batsmen before edging it to Alastair Cook at slip. He then got Kuldeep Yadav plum in front of the stumps to get his fourth wicket and finally trapped Ishant Sharma lbw for a duck to claim his sixth five-wicket-haul at the venue and finish with figures of 5/20 — his 26th in red-ball cricket.