Tuesday, July 23, 2013

Credit Card Debt Reduction For The Elderly

There are a lot of problems that accompany old age. The years that follow retirement are filled with a lot of troubles. Several of these adjustments have to take location at the psychological level. For instance, the senior citizen has to get utilized to his new-identified status as he is no longer going to be bringing property the funds. Get extra information on this affiliated portfolio ? Click here: research auto insurance discounts for seniors. This splendid seniors car insurance site has varied compelling tips for why to ponder it. In impact, this would imply giving up the sense of independence that he had sustained throughout his adult life. Getting into the hallowed group of senior citizens generally entails that the new entrant starts to be dependent on the younger members of his household. This can add to depressive feelings, but is relatively unavoidable.

I neither want to romanticize old age nor present as a depressive human phase. Rather, my objective in writing this write-up is to warn all the young individuals out there about the actions that they can take to have a far better and far more lovely old age. If you are already ?old,? and I am happy to go with your definition of that term, you can study this post and recognize the symptoms of credit issues that you may have led oneself into. To that extent, this report is for each and every one.

A lot of senior citizens find themselves running up high credit card debt to take care of several costs that pertain to old age. This could include the bills for doctor?s visits, drugs, and other connected factors. Senior citizens who are nonetheless in the process of repaying a loan that they had secured earlier might even resort to a money advance to support them rid themselves of that burden. The credit card does lend a assisting hand to the senior citizen who is attempting to spend off his bills. At the same time, running up a high credit card debt must be avoided. But, several folks who have passed retirement age have couple of options accessible. Their pensions and depleted savings are typically not adequate when it comes to paying off a number of bills.

Nevertheless, senior citizens can negotiate with their credit card providers for lowered debt. Many card providers take into consideration the age of the card holder and are willing to give discounts on the existing debt. The credit card businesses recognize the reality that numerous senior citizens are likely to face difficulties with heavy credit card debt. Limiting the quantity of debt makes great business sense for the credit card company while also giving the provider goodwill with the post-retirement age group.

Senior citizens would also do effectively to appear for discounted credit cards. Switching credit cards may be a great thought for senior citizens who are stuck with high interest prices. Additionally, with the zero percent balance transfer credit cards available in the industry, even the act of switching does not have to be as well expensive. There are great bargains to be identified if 1 does some homework. Car Insurance Discounts For Seniors contains more concerning the inner workings of this view. Increasing old may not be the easiest thing in the globe. Nevertheless, the economic troubles of old age can be dealt with really simply.

Source: http://mountaingear-reviews.com/credit-card-debt-reduction-for-the-elderly/

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Broomfield High youth football camp next week

The Broomfield Youth Football Camp for players entering second through eighth grades, directed by Broomfield High coaches, will be from 9 a.m. to noon July 29-31 at Elizabeth Kennedy Stadium at BHS, 1 Eagle Way.

No pads or helmets are worn. Cost for camp, which features daily competitions and prizes, is $65, which includes a T-shirt.

Registration forms are available at the Broomfield Community Center, 280 Lamar St., or BHS. Mail forms to Gary Davies, 1142 Dover Way, Broomfield 80020 or email to gary.davies@bvsd.org. Information: Davies, 303-465-3977.

Source: http://www.broomfieldenterprise.com/broomfield-sports/ci_23693646/broomfield-high-youth-football-camp-next-week?source=rss_viewed

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Monday, July 22, 2013

President summons 275 PS Chairmen

The Central Committee of the Sri Lanka Freedom Party (SLFP) has decided to take tough disciplinary action against local government members who have brought disrepute to the President, government and the party by their unwarranted actions, said the party General Secretary Maithripala Sirisena.

President Mahinda Rajapaksa, who presided at the CC meeting at Temple Trees on Friday evening has instructed Minister Maithripala Sirisena to summon the 275 chairmen of the SLFP -administered Pradeshiya Sabhas (PS) for a meeting at the Presidential Secretariat on Wednesday, July 31.

The committee has discussed the allegations highlighted in media recently against some PS Chairmen in connection with serious crimes such as killings, rape, robbery, drug trafficking and bribery which has plunged the Local Government administration into low depths.

Minister Sirisena said that at the central committee meeting stern disciplinary action was called for against those members in order to prevent a repetition of such incidents in the future.

Senior members of the SLFP central committee, including former Prime Minister Ratnasiri Wickremanayake, National Organizer of the SLFP, Minister Basil Rajapaksa and UPFA General Secretary Minister Susil Premajayanth were amongst those present, the Government Information Department reported.

Source: http://www.adaderana.lk/news.php?nid=23464

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Sunday, July 21, 2013

Used car prices are dropping | CharlotteObserver.com

DETROIT Is that new set of wheels out of your price range? Used cars have gotten more affordable, especially if you?re looking for a small car or a hybrid.

Used car prices have been falling since 2011, and they?re expected to decline gradually for the remainder of this year. That?s good news for those joining or re-entering the workforce, or anyone else who might find a payment on a new car too steep.

There is some volatility. Prices for used cars are typically higher at the start of the year, when dealers buy cars at auctions in advance of the spring selling season. They decline as the year goes on. The price of a 3-year-old car fell 4 percent between April and June, estimates Alex Gutierrez of car-pricing company Kelley Blue Book.

Used-car dealers get many of their cars from auctions run by companies like Manheim, a division of Cox Enterprises of Atlanta. The average price for a used car at auction was $11,031 in June, down 6 percent from its peak in May 2011, Manheim reported this week. The 2011 peak was the highest price Manheim had seen since 1995, when it began collecting data.

At Manheim-run auctions, banks and auto company financing operations sell cars that have come back after leases expire. Rental car companies and car dealers also sell cars there. Dealers buy the cars, mark them up and sell them for a profit.

Auction values also help set prices for individuals who want to sell their cars at the market rate.

In 2009, new vehicle sales fell to a 30-year low of 10.4?million. Two years later, used cars were in short supply and prices got so high that it made sense for consumers to buy new.

Things have turned around. New car sales picked up starting in 2010 and now there are far more used cars in the pipeline. Buyers shopping for a 3-year-old used car can expect to pay 25 or 30 percent less than the manufacturer?s suggested retail price for a current new model.

The average retail price of a used car fell by $1,000 per car in the last half of 2012. Gutierrez expects a similar decline in the second half of this year. Keep in mind that used car prices vary widely based on the age of the car and the miles it has been driven.

The price declines will be gradual. While more inventory is helping to lower prices, demand is rising as more people get jobs and need vehicles for work.

Gutierrez estimates that a 3-year-old car cost an average $19,000 in June. By comparison, a new car averaged $31,663 last month. That?s up $307 ? or around 1 percent ? from April.

Used cars are big business. Every year around 40?million are sold in the U.S., compared with 14 or 15 million new cars.

If you?re looking for a used car, check prices online and then decide whether you want to go through a dealer or through an individual. Private sellers will often give you a better deal, but dealerships offer certified pre-owned cars that have gone through inspections and may offer better warranties.

Here?s what you can expect to pay right now for 2010 model-year vehicles, according to Kelley Blue Book:

SMALL CARS: Prices on the smallest and most fuel-efficient used vehicles fell rapidly between April and June as gas prices moderated and carmakers enticed buyers with deals on new models. The price of a 2010 Toyota Prius fell 15 percent over the last three months, from $18,600 to $15,800. Prices of small cars like the Honda Civic and Ford Focus are down 8.5 percent. The average price of a 3-year-old small car was $13,000 in June.

MIDSIZE CARS: The value of midsize cars like the Toyota Camry and Hyundai Sonata have been hurt by the arrival of several new or redesigned models that hit the market in the last year, including the Ford Fusion, Honda Accord and Nissan Altima. Prices for used midsize cars are down 6.9 percent to $14,503.

LUXURY CARS: Luxury cars held steady, with used-car prices falling just 1 percent to $28,692. But Gutierrez expects a steeper drop in July, when luxury vehicle values tend to fall as owners anticipate new models coming in the fall.

SMALL AND MIDSIZE SUVS: Prices of hot-selling midsize SUVs like the Jeep Grand Cherokee and Ford Explorer are down just 4?percent, to an average of $20,581. Small SUVs like the Ford Escape and Honda CR-V are down 7 percent to an average of $17,548.

TRUCKS: Pickup trucks are in demand, as small businesses replace older trucks. Prices for used full-size pickups like the Chevrolet Silverado stayed flat between April and June, at $21,854. Prices of small pickups like the Toyota Tacoma are down 1 percent to $17,119.

Source: http://www.charlotteobserver.com/2013/07/20/4177314/used-car-prices-are-dropping.html

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New case of H7N9 bird flu confirmed in China: Xinhua

By Agence France-Presse
Saturday, July 20, 2013 13:48 EDT

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A 61-year-old woman from northern China was confirmed Saturday as having contracted the deadly H7N9 bird flu virus, state media reported.

The woman, from the city of Langfang in Hebei province, developed a cough and fever on July 10 and four days later was given a diagnosis of severe pneumonia, the official Xinhua news agency reported, citing a Beijing municipal health bureau statement.

The woman is receiving emergency treatment in a Beijing hospital, Xinhua said, citing the statement as saying she had frequently purchased vegetables at a local market where live poultry is also on sale.

So far, nine of the woman?s family members who have had close contact with her have not exhibited flu symptoms, the report said.

The first human cases of the H7N9 virus were reported in late March and it had infected 132 people in mainland China, killing 43, by the end of June, according to the latest available official figures.

While new case numbers have dropped off recently, experts remain on guard for fear the virus could mutate into a form easily transmissible between humans, with the potential to trigger a pandemic.

Official media reported Friday that a Chinese woman who spent five weeks in intensive care with H7N9 bird flu had given birth to a girl in what was described as a ?miracle? first.

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Verdura sets world record for playing golf

John Verdura is living the golfer?s dream. He plays golf morning, noon and night, and he plays day after day.

And the best part is his wife doesn?t even mind. In fact, Karen Verdura is the one who suggested her husband play so much golf.

It?s all part of a nearly completed, year-long quest by Verdura to set a Guinness World Record for the most holes of golf played in a single year.

The former Farmington Hills resident has the record. That issue was decided back in May. The only unknown is what the final tally will be when Verdura plays his last round July 31.

He is certainly within reach of his goal of 14,000 holes. As of July 18, the 63-year-old retiree who now lives in Garland, Texas, had played 13,688 ? an amount equal to 760-plus rounds of 18-hole golf.

Verdura obliterated the old record of 11,000 that belonged to Richard Lewis of Irving, Texas.

?I really didn?t think I would shatter it,? Verdura said. ?I thought I could break it. I just started playing and tried to get in as many holes as I could.

?The gentleman who had the record averaged 30 a day, and I?m trying to average 36. If the opportunity was there for me to play more, I took it because I knew there would be days I wouldn?t get in 36.?

When he started Aug. 1, 2012, it seemed like such a daunting task to Verdura. After he played 72 holes Sept. 28, spending 12 ? hours on the course, his spirit and confidence soared, however.

?I wasn?t even tired that day,? he said. ?Right then and there, barring any injury, I knew I could do it. Now, here I am!?

The idea for the record-setting effort came from Verdura?s nephew, Jeff Guy of Farmington Hills, during a visit to Texas last summer. On the airplane, he read a magazine article about Lewis and his record.

?He said, ?You know, uncle John, you wouldn?t have to change your lifestyle to break this record,? because he knew I was playing a lot of golf, too,? Verdura said. ?Karen heard that and jumped right on it. She said, ?Starting Aug. 1, start bringing those score cards home to me.??

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Karen Verdura, who still works full time and was transferred to Texas three years ago, thought it was the ideal endeavor for her golf-playing husband.

?I thought that would be pretty fun,? she said. ?I mentioned it to John but, as soon as our daughter, Sara, said she thought it would be cool, suddenly that changed everything. He started figuring it out and what would have to be done.?

When people hear about Verdura?s golfing exploits, he knows what the first questions will be for him.

?They want to know, ?Are you married? What does your wife say??? Verdura said. ?I tell them, ?She didn?t discourage it; she encouraged it!? She?s been very, very supportive toward trying to break this. Heck, I think there are times she?s more excited about it than I am.?

Verdura, a former teacher who coached the Farmington High girls basketball team in the mid 1990s, has had to document all of his golf, too. When he?s done, a signed score card for every round must be produced to verify his effort and confirm the record.

?That?s where Karen comes in,? he said. ?She?s the organized one. All I do is golf and bring the score cards home. Karen has put them on a spread sheet. Eventually, we?ll email them to the Guinness people.?

The Verduras live right next to a 63-hole public golf course, which has offered John a nice senior package for greens fees and, also in terms of proximity, enabled him to play a lot of golf.

?Everything fell into place,? Verdura said. ?We moved down here and found a home on a golf course. Obviously, the climate was in my favor.

?(The large course) gives me the opportunity to play and move around. If it was 18 holes, it would be too crowded to play a round and get that many holes in in a day.?

?We had a very mild winter in Texas, so that made it a good situation,? Karen Verdura said. ?Everything does have to line up ? geographically, where you can play the year round and the weather does have to cooperate.?

Verdura has had to play in some bad weather, however. He had to play whenever possible to keep pushing forward and taking advantage of every situation.

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?I?ve got a cart with a cover and a heater,? Verdura said, adding he could rack up the holes on bad days because there were so few people on the course and he could move quickly.

?There was one day when it was windy and cold and it had rained. The course was open and I was playing. I was the only car in the parking lot.

?You have to play on those kind of days if you?re going to do this. If I wasn?t doing this, I wouldn?t be playing on those days. But, since I made it a goal to do it, I was out there playing.?

Besides sleet, snow and cold, Verdura has played in the extreme heat, too. When he started last August, the temperature was over 100 degrees on 12 of the first 13 days.

?We we were like, ?This might be a little harder than we thought,? Karen said. ?He?s an extremely disciplined guy. When he sets his mind to doing something, he does it.?

Verdura, who has averaged 38 holes per day, had played 87 consecutive days as of July 18. That was his longest streak during the run. He was in Michigan a week earlier for a wedding and ?only? played 18 holes twice.

?I don?t get tired of it,? Verdura said. ?I get up every day excited about going to the golf course. Sometimes, I come home depressed, depending on how I play. But I like going there. It?s not like it?s work or anything.?

Verdura, who has a six handicap, has had four hole-in-ones in the last year, too. He got the first of five overall in 2008 during a visit to Texas.

?Sixty years in Michigan and I never had a hole-in-one,? he said. ?If you take enough shots, sooner or later you?re going to get lucky.?

It?s not luck that will put Verdura, who taught and coached at Gabriel Richard, Shrine, St. Alphonsus and Aquinas high schools, in the Guinness Book of World Records. It was commitment and dedication to a goal that did that.

?Without my nephew stumbling upon it, heck, I would?ve never even thought about it,? Verdura said.

Source: http://www.hometownlife.com/article/20130721/SPORTS06/307210092/1002/SPORTS

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