It is September and if you were to step into a few stores, you would think the holidays start tomorrow! Ornaments, decorations, cards, wrapping, and trees are all available already. This made me wonder about how much the average American spends on the holidays. The National Retail Federation’s study, “The Cost of Christmas Gifts in 2019, 1” asked American’s what they were expecting to spend in 2019 and here are the results: 33% expected to spend at least $1000 on gifts.22% expected to spend between $500 and $999.29% expected gift spending to be between $100 and $499.3% planned to spend less than $100.8% said that they would spend nothing for gifts5% were unsure.There is nothing wrong with splurging on the holidays, when you have planned for it and can afford it. However, it is possible and even probable you can have a joyous holiday season without going further into debt and experiencing that “financial hangover” in January. Here are some ways to reframe your holiday spending: Holiday Spending PlanStart with the funds you already have available to spend on the holidays. How much is that? Is that enough? How much more will you need? If you need more, where will get it? What is the cost of credit? How far into debt are you willing to go for the holidays? Know these things BEFORE you shop. Gift List How do you know if you have enough money? You make a list of the people you would like to purchase a gift for, you include an idea, and the cost of that idea. This is only part of your holiday budget. Other than gifts, what other holiday costs should I plan for? Decorations (inside and out)Special Holiday Meals (eating out or cooked at home)Holiday Travel (to see friends and family)Entertainment (holiday lights, nutcracker show, parties, etc.…)Special Outfits (for parties)Gift Wrap / Cards / Postage Photography (family Christmas picture)The study mentioned, was just focused on gifts but if we were to include all the costs of the holidays (mentioned above) those numbers would be much higher. How can we help our members have a Financially Healthy Holiday? Talk about holiday spending in your newsletter or social media. This could include fun shopping tips or creative gift giving. Offer a “Breezing through the Holidays” workshop or webinar and help them formulate a plan now, in September/October. Offer Holiday Club Accounts that are specifically designed to help them manage holiday spendingOffer a “skip a pay” option in November/December to provide some space in their cash flow for the holidays. Offer a “Getting Back on Track” (Budgeting) workshop or webinar in January. 1 Average Cost of an American Christmashttps://www.investopedia.com/financial-edge/1112/average-cost-of-an-american-christmas.aspx 59SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cynthia Campbell Cynthia is a Credit Union Development Educator (CUDE), she holds a BS in Business Administration and an MBA from Elmhurst College in Illinois, and a master’s degree in Adult … Web: www.balancepro.org Details
VERSAILLES, Ind. — A teenager being tried for a child molestation case in Ripley County will be tried as an adult.The Ripley County Prosecutor’s office petitioned to have Robert Dale Harden III waived to adult court.A judge decided the waiver was appropriate after hearing testimony from two witnesses.The prosecutor’s office says Harden is now 19 but was 16 when the incidents occurred.
Norwich chief executive David McNally insists the club have not received any transfer requests following claims that Wes Hoolahan is seeking a move to Aston Villa. Press Association Despite newspaper reports claiming that Hoolahan has asked for a transfer, McNally insists no player has lodged a formal request to leave. He told the club’s official website, www.canaries.co.uk: “The club’s focus is on improving the squad during this transfer window. “As we have always said, no players will be sold against our will. “We have received no transfer requests this season and have no intention of releasing any of our senior players. “Our focus this January, as with every transfer window, is very much on improving the squad.” Forward Luciano Becchio is another player who is understood to be keen for a fresh start away from Carrow Road, with former club Leeds one potential destination while Sky Bet Championship rivals Blackburn and Derby are also said to be monitoring the situation. Hughton is, however, keen to further bolster his squad, with out-of-favour Everton defender John Heitinga one reported target after a potential move to West Ham fell through. Norwich head to Merseyside on Saturday looking to maintain safe distance between themselves and the bottom three. Key to the Canaries’ hopes of avoiding being dragged into a battle for survival over the second half of what has been a stop-start campaign could be the return of club-record signing Ricky van Wolfswinkel from a toe injury. The Dutch forward completed his first full match in three months during the 1-1 FA Cup third-round draw against Fulham and could now link up with Gary Hooper to give the Norwich attack a fresh impetus after seeing a couple of goal-bound efforts saved. “It didn’t happen for him in front of goal (against Fulham) and maybe there were one or two occasions when he could have got across the keeper, but it was really important for him to get 90 minutes under his belt,” said Hughton. “We know he has missed some three months, which is a fair time to be out and it is disappointing for him after such a good start with a fine goal on the first day.” Norwich head to Goodison Park in 15th place on 20 points, a lower total than at the same stage last season. Centre-back Ryan Bennett, though, is confident Hughton’s squad – boosted by some £20million-plus summer investment – have what it takes to stay clear of trouble ahead of what will be a testing run-in against the likes of Liverpool, Manchester United, Chelsea and Arsenal. “We had a few more points this time last year and I think our form from January until the end of last season wasn’t great – and we know that. But we have got games coming up now every month that we can win, and that’s something we’re going to have to do to stay in the league,” Bennett said, quoted in the Norwich Evening News. “I think everyone in the dressing room is in a positive mood and we can easily do it. You have got to be positive in every game. “Obviously Everton have been in good form this year, they have only lost two games so it will be a hard place to go to, but hopefully we can go there and put in a positive and good performance, like we did against Fulham on Saturday, and beat them.” Midfielder Leroy Fer will be available again following his one-match suspension, while Jonny Howson could make a welcome return having been sidelined since December 15 with a back problem. The Irish playmaker has seen his first-team opportunities limited under manager Chris Hughton, who took charge at Carrow Road following Paul Lambert’s departure in the summer of 2012. Hoolahan was a key member of Lambert’s squad which secured back-to-back promotions from League One to the Barclays Premier League, and there had been reports Lambert was keen to bring the 31-year-old to Villa Park in a bid to rejuvenate his team’s season.
Meanwhile last years Young Hurler of the Year Cathal Barrett is still an injury worry for the Tipp camp – the Holycross – Ballycahill player injured his shoulder last April at a training camp in Spain.Manager Eamon O’Shea is very unsure of his participation on Sunday, rating him at 50/50.Throw-in at the Gaelic Grounds on Sunday is at 4 o’clock and Tipp FM will have full live coverage in association with Mulcahy Car Sales, Ardcroney, Nenagh. The Premier County face Limerick at the Gaelic Grounds on Sunday with John Bubbles O’Dwyer a possible doubt.The All Star winner is understood to have sustained an ankle injury during a training camp at Carton House over the weekend.The 23 year old Killenaule clubman is to undergo a scan on the injury.
“I just play hard. That’s it. There’s nothing else to think about,” World Peace said. “You just got out here and play hard and have a good time. That’s it. I don’t think about anything else.”World Peace also insisted he no longer thinks about the strong fan reception he receives after initially soaking in the moment. He thought plenty, though, of the irony of the moment. When World Peace played with the Lakers from 2009 through 2013, plenty of fans sounded anxious when he took 3-pointers or ran the fast break.“They used to boo,” World Peace said. “I could hear that (stuff). But for me, I don’t care. I’m going to continue to shoot as long as I’m on the (expletive) floor,” World Peace said. “You never know which one of them might go in. One of them might go in. You give yourselves a chance.”Fond farewell?For what might mark his last game at Staples Center wearing a Lakers uniform, World Peace will not have the same kind of farewell that accompanied Kobe Bryant’s career-finale.World Peace will not have a documentary crew following his every move. The Lakers will not hold a video tribute filled with testimony about his accomplished career that included helping the Lakers win the 2010 NBA championship. World Peace will not try to mimic Bryant’s scoring output that he posted in his last game nearly a year ago.“Kobe had 60!” Lakers forward Nick Young told World Peace at his locker before Sunday’s game against Minnesota at Staples Center.“I’m not going for that,” World Peace said. “If I can get five assists, I’ll be happy.”World Peace’s reasoning is simple.World Peace does not plan to formally retire following his 17th NBA season and 18th professionally after also playing overseas in China and Italy in 2013-14. The 37-year-old World Peace hopes to play at least two more years in the NBA or overseas, which would mark a 20-year career.“I want to play a long time,” World Peace said. “That’s cool. All I got to do is work hard. I know what I have to do to get there. I set those goals a long time ago and I don’t have to think any more.”Hence, World Peace would love to re-sign with the Lakers once he becomes an unrestricted free agent in July to mark the third consecutive year he fulfills a mentor year. Yet, World Peace remains mindful of the Lakers’ higher offseason priorities.“There’s too many free agents and rookies they have to sign,” World Peace said of the Lakers. “It’s the last thing I would think about this early. The whole league has to get the free agents, the rookies and get the B-class players and C-class players. I never think about it. It’s too early.”It’s not too early to know how Lakers coach Luke Walton will handle Tuesday’s game against New Orleans at Staples Center. That marks the Lakers’ last home game of the 2016-17 season before their season-finale in Golden State on Wednesday. “Whether it’s his last game or not,” Walton said, “we’ll get him out here.”World Peace entered Sundat’s game averaging only 1.3 points on 21.6 percent shooting in 5.2 minutes through 22 appearances. But he has earned rave reviews the past two years for his practice intensity, positive reinforcement to younger teammates and sharing his dietary habits.“We want to reward Metta every chance we get for how great he’s been this year and the way he’s worked and the way he helps the young guys and being positive,” Walton said. “He’s been one of the better players in this league for a long time. He’s won a championship with this organization, obviously. So that comes into play.”Balancing actThe performance left Walton entertained. He watched David Nwaba lead the D-Fenders in a Game 2 win over Rio Grande Valley of the Development League’s Western Conference semifinals with 22 points on a 8-of-14 shooting. The performance also left Walton concerned. Nwaba logged 41 minutes for the second consecutive D-League game despite also playing for the Lakers.So, Walton sat Nwaba for the second consecutive game for the Lakers.“The last thing we want is to overuse him and make him susceptible to injury,” Walton said.Yet, it sounds like Walton has wished for a compromise as Nwaba bounces between the D-Fenders (Game 3 on Monday) and the Lakers (vs. New Orleans on Tuesday). Although Walton said he has talked with D-Fenders president Joey Buss and coach Coby Karl, Nwaba’s participation in the D-League has come at the expense of his participation with the Lakers. The Lakers had signed Nwaba in late February after he spent most of the season with the D-Fenders.“We want to do what’s best for David,” Walton said. “A big part of what’s best for David is what he feels is best for him. The D-League team is a team he’s played with all year so he’s close with them. It’s the playoffs, so you want to help your team win. We feel confident with what we’ve seen out of him so far. But, he, in my opinion helps us win and makes winning plays. We stay in communication and we try to make the decision on what’s best for him.”Nwaba first faced this unique challenged last week. After playing 29 minutes last Wednesday in San Antonio, Nwaba and D-Fenders general manager Nick Mazzella made the 3 ½ hour drive to Hildalgo, Texas for Game 1 of the D-Fenders’ playoff series against Rio Grande Valley on Thursday. After logging 39 minutes on Thursday, Walton sat Nwaba despite insisting he felt fine to play.“He was telling me one thing,” Walton said. “But the body language was saying something different.” Newsroom GuidelinesNews TipsContact UsReport an Error AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREUCLA alum Kenny Clark signs four-year contract extension with PackersThat did not stop World Peace teammates from razzing him. Randle joked it took World Peace about 30 seconds before taking the shot. Lakers guard Jordan Clarkson abstained from diplomacy so he could crack a joke.“His leg, he was shaking like a stripper in the corner,” Clarkson said, laughing. “He didn’t know what he was going to do. I thought, ‘Is he going to shoot it?’ I’m looking at him like, ‘You see his leg shaking?’ I know he made bigger shots than this.”Yes, he has. And that’s why the 18,997 fans cheered for World Peace and implored him to shoot anytime he touched the ball.“When Metta shot the three, I thought ‘How perfect is this?’” said Lakers coach Luke Walton, who played with the former Ron Artest with the Lakers from 2009 to 2012. “Metta World Peace is going to make a game-winning three.”World Peace didn’t, but he still made several other key plays. After sitting through three quarters, the 37-year-old World Peace provided reason for the fans to cheer besides nostalgia for his possible final week wearing a Lakers uniform. He handled the ball before making a fadeaway jump shot. Nearly 90 seconds later, World Peace sank a 3-pointer. By the end of the game, World Peace posted eight points on 3-of-8 shooting in 11 minutes. LOS ANGELES >> The crowd stood ready in anticipation as they greeted Metta World Peace.The Lakers had signed a previous fan favorite for the second consecutive year on a role that involved more mentoring than less theatrics than when he provided in that legendary Game 7 of the 2010 NBA Finals against the Boston Celtics. But there the 37-year-old forward stood on a court, ready to secure a game in crunchtime during a season that previously focused more on his younger teammates trying to do the same.On the fast break of the last possession of the game, Lakers guard D’Angelo Russell set World Peace for an open 3-pointer. He hesitated for a few seconds before shooting a 3-pointer that hit off the front of the rim. No matter. Lakers forward Julius Randle grabbed the rebound and set Russell up for the game-winning 3-pointer in the Lakers’ 110-109 victory over the Minnesota Timberwolves on Sunday at Staples Center.“I wanted to shoot the three. I wanted to try to end the game, but I didn’t know if I was behind the line,” World Peace said, chuckling. “My leg started shaking like a dog. I didn’t know where I was. Then it looked like I was nervous. I wasn’t.”
The best BH athlete Amel Tuka did not achieve results in 2016 similar to those in 2015, and he said that he will remember the previous year after doping controls.In December, for the 12th time in 2016, the Anti-Doping Agency knocked on the doors of our BH athletes asking him for samples of urine and blood. Although it is a little unusual, Tuka says that he understands their frequent visits, but it is annoying when they come early in the morning.“It’s all part of the sport and we should let those people to do their job. I just wish if other athletes would have the same treatment as me, because I fully support their work.”Although he worked hard in the previous year and had a great motive from 2015, his form was not at the highest level.“I ran the best time of last season in Brussels in the race on 800 meters with time 1: 44.54 and I secured 18th place on the world list of the best times of the year and the fifth best time in Europe this year.”After all these results and the necessary analysis, Amel Tuka entered the new season with much higher goals and desire to repeat the results from 2015.“I think that the coach knows my body now a lot better, which is why I am optimistic and I’m looking forward to be on the track again. Now I’m getting ready for the winter part of the season, where I expect the races in the hall. I will be appearing on the Championship of the Balkans in the hall and of course the European Championship in Belgrade, which will be held from the 3rd to 5th of March. I’ll try to run the best possible result and to run in the final of the European Championships, because that would be a great success for me. I’m not a fan of running indoors, but we will try,” concluded Tuka.In the summer part of the season, our athlete and his coach will be devoted to the World Championships in London and races of the Diamond League. This year, his wish is to be healthy and to achieve better results, but above all to become a better man.(Source: E. M./Klix.ba)