Game Thread # 126: Oakland Athletics vs. New york city Mets(4).
on Aug 20 2014, 3:21 p.
When it comes to personal finance, a brand-new survey shows senior high school students in the US might not have the understanding they require to manage money.
The survey was part of the Programme for International Student Assessment, a test conducted every three years that measures the abilities of 15-year-olds around the world in core topics, such as mathematics, reading and science.
In the latestthe most recent study, monetary literacy questions were consisted of for the first time, and the results were published this month.
The takeaway: US students scored about average compared to their peers in 17 other nations and economies, which includedthat included Australia, France, New Zealand, Russia and Shanghai.
Financial literacy experts discovered the outcomesresult in be less than suitable.
The US is in the middle, but for a country with the most developed financial market, average might not be a good standard, said Annamaria Lusardi, chair of the professional group that created the monetary literacy section of PISA and a professor of economics and accountancy at the George Washington University School of Business.
Throughout all nations, only about 10 percent of 15-year-olds could correctly respond to the most challenging money-related concerns on the test. Another 15 percent of students scored at the lowestthe most affordable level or below.
The questions varied in trouble from Level 1 to Level 5, with Level 5 being the most challenging.
For instance, in Level 5, students needed to compare two loans one for $8,000 with a rate of interest of 15 percent, and another loan for $10,000 with an interest rate of 13 percent and discuss the benefits of picking the latter choice. (Right response: The interest rate is lower and even more money is readily available.)
Easier concerns asked students to identify the function of say, an invoice.
It could come as not a surprise that a concern about loans would befuddle teens. A 15-year-old most likely has little or no experience with obtaining money.
But numerous of these students will certainly soon have to make essential monetary choices, including whether to continue their education beyond secondary school and how they will spend for their research studies.
Likewise, Lusardi argues that PISA is developed to test a student # 39; s ability to use knowledge. So, in the above example, if a teenager knew that lower-cost debt is better, he could have had the ability to guess at the appropriate response.
Shanghai had the greatest score on the PISA test, followed by the Flemish Community of Belgium, which is about the northern half of Belgium, and Estonia. Australia and New Zealand were also top performers. Both nations have actually launched nationwide financial literacy projects in currentin recent times.
The United States, meanwhile, was available in ninth from 18 countries, just behind Latvia and just slightly better than Russia and France.
In the United States, customers can go to mymoney. gov for ideas on managing money and for links to other online resources. Some states, such as Missouri and Virginia, need students to study individual finance before finishing high school.
Numerous believe even more should be done to enlighten young grownupsyoung people on cash matters.
Said John Pelletier, of the Center for Financial Literacy at Champlain College in Burlington, Vt.: You have a country (Russia) that till the early 1990s wasn # 39; t even capitalist in nature, and they did generally as well as we did.
How well would you have scored on the test?
See sample concerns at oecd.org/pisa/test.ABOUT THE WRITER Carolyn Bigda writes Getting Begun for the Chicago Tribune. [email protected] ___ (c)2014 Chicago Tribune See the Chicago
Tribune at www.chicagotribune.com Dispersed by MCT Details Services
Following even more than a year of planning and regulative testimonial, on July 1, Rochester General Wellness System (RGHS) and Unity Health System formally came together to develop a new non-profit wellnesshealthcare system. The brand-new entity s main name Rochester Regional Health System was announced to even more than 14,000 medical professionals, nurses, caregivers and support personnel.
Interim co-CEOs Mark Clement and Warren Hern stated the brand-new name was picked after a strenuous analysis, including considerable input from Unity and RGHS groupemployee and physicians, as well as consumer market studymarketing research throughout the area.
This name reflects the vision of our brand-new, unified system, Clement said. Rochester Regional Health System will develop upon the work of Unity and RGHS, as a seamlessly incorporated network consisting of primarymedical care, ambulatory, senior and specialty services and severe care healthcare facilities providing extraordinary care throughout our 14-county area and beyond. Hern and Clement
highlighted that RGHS and Unity clients will enjoy connection of care as the new incorporated organization remains to progress. They won t see significant modifications or any compromises in the care they are accustomed to getting at Unity or Rochester General health system sites, Hern stated.
Batavia’s United Memorial Medical Center is one step more detailed to ending up beingentering into a Rochester hospital system.
Rochester Regional Wellness System (RRHS), also understoodreferred to as RU System, filed documents with the state Department of Wellness to establish itself as the active parent/co-operator of United Memorial.
Rochester Regional was formed July 1 as the active moms and dad and co-operator of Rochester General Health System and Unity Wellness System, which agreedaccepted a merger earlier this year.
United Memorial earlier this year revealed it would become a totally incorporated affiliate with the Rochester system, a step that might eventually lead to a merger. With income of about $80 million, the 131-bed United Memorial has a workforce of 900 complete and part-time staff.
Terms for the alliance were figured out with Rochester General Wellness System prior to accompanying Unity Wellness. This summertime, definitive agreements were completed for United Memorial in addition to Clifton Springs Health center Center, an Ontario County healthcare facility serving the Finger Lakes area.
The arrangements were unanimously accepted by the boards of all 4 organizations late last month, then assigned and accepted by the newly formed RRHS at its inaugural board conference in July. Both hospitals are anticipated to sign up with the bigger system by the end of 2014. Together, the health centers in the system serve a 14-county region.
The brand-new relationship with both United Memorial and Clifton Springs comes after numerous years of clinical collaborations with Rochester General, and follows affiliation arrangements at each intended at broadening and enhancing health-care services.
In Batavia, United Memorial had likewise partnered with Rochester General considering that 2008 in the locations of cardiology, pathology, urology, basic surgery and intestinal care in addition to the recent opening of a cancer and infusion center.
United Memorial will certainly keep its name, identity and a regional board, and will certainly continue providing a complete variety of medical and severe care services.
The active moms and dad demand needs a complete testimonial by the state’s Public Wellness and Health Planning Council, a procedure that’s expected to take a number of months.
When wrapped up, RRHS will certainly consist of 5 full-service hospitals, ambulatory services, more than 80 main and specialty clinical practices, senior care programs, independent housing, chemical reliance and behavioral health services in addition to a clinical laboratory business.
Tracey Drury covers health/medical, nonprofits and insurance
Aug. 20, 2014
SEATTLE, Wash. – The University of Kentucky womens soccer group will certainly begin the 2014-15 UK Athletics calendar year on Friday night with a match against the Washington Huskies at 10 pm ET at the Washington Soccer Complicated in Seattle, Wash.
. The Wildcats are returning 9 beginners back to the pitch for the 2014 season from a team which advanced to the second round of the NCAA Tournament for the second-straight period under head coach Jon Lipsitz, who enters his sixth period at the helm of the Wildcats.
Arin Gilliland headings the 2014 season for the Wildcats, as the two-time All-American and three-time All-SEC gamer returns for her final period as a Wildcat. Gilliland will go down as one of – if not – the biggest – player in University of Kentucky womens soccer history. With a complete period of eligibility staying, Gilliland has already broken single-season records in shots, and in 2013 ranked in the leading five in objectives, helps, points. In her profession, Gilliland is poised to come near school records in shots, goals, points, assists, shots, video games played and minutes played. Gilliland has actually been named First GroupFirst string All-SEC all 3 years of her career thus far, an NSCAA All-American in addition to being named to U23 UWSNT National Team Camps, training with the NWSLs Portland Thorns and the winner of the Collegiate Women in Sports Awards 2014 HONDA Inspiration Award. Gilliland has 8 game-winning goals in her profession in over 5,000 minutes on the pitch.
For the first time in program history, Kentucky is starting a period in the Pacific Time Zone, as a part of the Wildcats 10-day west coast swing for the preseason. The Wildcats showed up in Portland, Ore., on Thursday, Aug. 14 and spent five days training at Nike World Head office, while also gathering a 3-1 exhibit win over the No. 11 Portland Pilots on Saturday night. In addition, the group had the ability to attend the Portland Thorns FC vs. Seattle Reign FC match at Providence Park on Sunday afternoon.
In UKs 3-1 win, Kentucky outshot Portland 18-6, while only conceding one corner kick, while earning four. The Wildcats got goals from returning SEC All-Freshman groupemployee Zoe Swift, and beginner Kelly Novak. Junior Cara Ledman, and sophomore transfer Michaela Dooley tallied helps in the matches, joining Gilliland as the 3 assisters in Saturdays showdown went to by 1,084 fans.
Kentucky returns all of its back 4 from a season ago as sophomore center back Kaitlin Miller joins juniors Kelli Hubly (right back), Olivia Jester (center back) and Cara Ledman (left back) from a back line that permitted just 29 goals in 21 matches last period. The back 4 of Ledman, Jester, Hubly and Miller started 18 of UKs 21 matches a period back, with all three playing over 1,000 minutes last season.
Junior Courtney Raetzman goes back to the pitch at One Hundred Percent wellness in 2014 and is signed up with by senior All-SEC entertainer Stuart Pope and Alex Carter in the midfield, which under Lipsitz, is understood for producing offensive firepower. Raetzman, who was All-Freshman SEC in 2012 missed out on the second half of the 2013 season with a leg injury before going back to the lineup for the NCAA Competition firstpreliminary match with Ohio State, a 3-1 UK win.
Up leading, UK is considered to have among the best offensive front three in the Southeastern Conference, as Gilliland signs up with Swift and Dooley, a threesome that scored over 25 goals a period back, and accounted for over 75 points. Dooley, a transfer from San Diego University in the offseason, will certainly beginlaunch leading as the ideal forward with Gilliland flanking the left side, and Swift manning the middle of the pitch for the Wildcats.
Washington is going into the 2014 period with six of 11 beginners back from a team that went 7-9-4 last season and did not advance to the NCAA Competition. The Huskies Katie Bennet is their prominent returning goal scorer from 2013, where she tallied 4 objectives and one assist for a total of 9 points.
Kentucky is 4-1 in season-opening matches under Lipsitz, with his lone defeat in a period opener coming at No. 10 Wake Forest, 3-1, last period in Winston-Salem, NC
Live video will certainly be offered for Fridays match through the Washington Huskies athletics website.
Fridays match will certainly be followed by a match versus Seattle U on Sunday, Aug. 24 at 3 pm ET.
For continuing coverage of UK womens soccer, log on to UKathletics.com.
Jason Hammel was having a career year for the Chicago Cubs when he was traded to the Oakland Athletics on July 5. Hes been a totally various pitcher becauseever since, raising questions about whether the As must be looking for another pitcher to round out their top-tier beginning rotation.
General manager Billy Beane gutted the farm to get Jeff Samardzija and Hammel, who was 7-5 with a 2.98 AGE at the time of the trade. Hes 1-5 with a 6.75 AGE considering that pertaining to Oakland, with only 32 innings pitched over seven beginnings.
Another trade for Jon Lester compelled Jesse Chavez, who began the year remarkably butstruggled over his last couple of starts, into the bullpen. Drew Pomeranz was also a very excellenta great pitcher earlier in the period up until he arrived at the disabled list in June, then didnt have a roster area when he recovered.
Hammels significantbig league experience implies the As cant send him down to Triple-A Sacramento without his permission, as noted by Athletics Nations Jeremy F. Koo. Offered the quantity of groups who may be thinking about taking a flier on Hammel, its unlikely he would accept project and would therefore become a free agent.
The As will likely phone Pomeranz when lineups broaden on September 1, opening a dispute on whether he, Chavez or Hammel need to be Oaklands 5th starter. Each player was effective in the start of the season but has actually fallen on tough times because.
Beane dealt 2012 first-round draft pick Addison Russell, 2013 first-rounder Billy McKinney and Quadruple-A pitcher Dan Straily for Samardzija and Hammel. While Samardzija was certainly the larger name, Hammel was expected to be an upgrade over the mediocre Brad Mills.
Taking control of your individual finances is vital to living a more hassle-free and steady life – a really rich existence. All you require to do is take the very first step: start becoming more knowledgeable about your savings account, and live by these very basic principals that just about summarize what personal finance is everything about.
1. Pay yourself initially
This is an usual personal finance expression that lots of peoplemany individuals live by. However exactly what does it actually indicate? No, paying yourself initially isn’t really purchasing anything you want and letting your expenses collect dust. Generally, it suggests that prior to you invest your brand-new paycheck on requirements or wants, you should squirrel away a part of it to your savings. Getting involved in this habit is helpful since youll learn to focus on saving, and the stable stream of regular monthly contributions is the finest means to grow your emergency situation, savings, and pension. The finestThe very best and easiest way to pay yourself initially is to automate it so that the procedure is meaningless.
2. Live within your ways
Dont invest more than you can pay for to spend. Do not take on loans or debt if you cant manage it. This even suggests being carefulbewaring on exactly what is normally thought about excellent financial obligation. Ever considering thatSince the monetary crisis, everyone had to reassess what we at first believed of as excellent debt, which includes mortgage, school, and vehicleauto loan. Once people started getting laid off and defaulting on payments, the excellent financial obligation extremely quickly ends up being bad. Thats not to say that you shouldnt go to the college of your dreams; but you need to still weigh the costs while bearing in mind practical expectations of task potential customers postgraduation. And if its genuinely worth your investment, you ought to discover ways to cut expenses. For instance, browsinglooking for scholarships to helpto assist with tuition. Apart from not handling financial obligation, mindful spending is also part of what it means to live within your ways.
3. Prepare for the long term and the worst
Dont spend your time living only in the here and now. Believe ahead, and begin preparing for your retirement and emergencies by beginning an emergency situation fund and adding to your retirement accounts. Here is a guide to everything you require to understandlearn about retirement to begin with, and check outcheck out the advantages of purchasing a Roth Individual Retirement Account. Retirement appears really far, but the faster you start conserving for it the better, because at the end of your long work journey, youll be reaping higher gifts with the magic of compounding. The even more money you put in earlier, the quicker it grows.
4. Understanding is king
OAKLAND, Calif. (AP)– Bud Selig will likely leave his tenure as baseball commissioner early next year with one unclear circumstance that has him frustrated.
The Oakland Athletics still do not have the brand-new ballpark he states he believes they frantically need.
Selig applauded all parties after the As just recently reached a 10-year lease contract with the Oakland-Alameda County Coliseum Authority to remain at the rundown Coliseum. Whether the As have the ability to one day construct a new stadium at the current Coliseum website or elsewhere in Oakland, Selig will support the groups concepts.
This is constantly something I really wantedwished to get resolved before I leave workplace, which is another 5 or six months, Selig said Tuesday, mentioning litigation as the existing snag. Ive constantly stated the local club, they know their market best.
Sitting alongside fraternity brother and long time pal, As owner Lew Wolff, Selig acknowledged the criticisms of Oaklands ballpark situation while stating, Its complexed, its very complexed.
Earlier this year, the City of San Jose appealed a judges decision throwingtossing out an essential argument in its lawsuit versus Major League Baseball over the As strategies to transfer to San Jose, where the San Francisco Giants hold territorial rights.
At the January 2012 owners meetings, Selig stated the Bay Location situation was on the front burner. He appointed a committee in March 2009 to study the concerns facing the teams, however never ruled on the matter.
I understand theres been criticism about the length this has actually taken. Im pleasedpleased with everything weve done the last 22 years, however this is one of those things as I review it, nevertheless, its complicated, its extremely complicated, Selig stated. Now we have litigation, so everything is now on hold. Thats just a reality of life once we get in litigation. But let me say at the outset, this group requires a brand-new ballpark. … Once the litigations fixed, then well all proceed.
Rob Manfred will certainly do well the 80-year-old Selig on Jan. 25. Selig is making stops at all of the ballparks throughout his farewell trip. He said Manfred depends on speed on the challenges for the low-budget As, who have actually won the previous 2 AL West titles.
Theyve done a remarkable job under the conditions, Selig stated. Among the factors for the rebirth of this sport, there are several reasons, are the brand-new arenas. … I want it had been resolved. I comprehend peoples frustrations, I do understand. Theres a great deal of history here.
Selig met with club officials during his brief see. Oaklands Bob Melvin was excited to obtain a long time with Selig, who helped the manager get a job with Milwaukee after his playing days. Melvin had quite a connection: His late great-aunt, Estie, played bridge with Seligs moms and dads.
Its quite the industry at this point now. Hes made a lot of changes in his tenure, whether starting with interleague, the competitive balance now and the strides that they took getting it to this point, instant replay, Melvin stated. Theres a lot of things hes done that for an old-school guy has actually had an eye on a few of the new-school things. Its been an extraordinary run.
The Lake County General Wellness District revealed the yearly oral rabies vaccination task to inoculate raccoons, skunks and other wild animals versus rabies will take place on Aug. 20-22 with baiting by aircraft in rural areasbackwoods..
Ground baiting in locations with even more individuals will be done from automobiles and on foot, and will certainly start in Lake County on Aug. 25 and is expected to be full by the very first week in September, according to a press release from the Health District. The vaccine is contained in a 1-by-1-inch Army green blister pack with a sweet waxy layer. When the animal bites the blister pack, the vaccine coats the mouth and throat and protects the animal from getting rabies.
Officials are asking locals to watch their pet dogs while they outdoors and keep them on a short leash duringthroughout the days when baiting is taking locationhappening. Although the bait is not harmful to them, they need to be avoided from eating it so it is readily available for the wild animals.
The Wellness District stated if a canine gets the bait, residents need to not run the risk of being bitten by attempting to eliminate it from the canine s mouth., and people who know bait needs to not touch it with bare hands.
Use a glove or plastic bag to toss bait that is not leaking into a tree line, then wash your hands..
Locals are asked to call the Health District at 440-350-2543 whenever a person or pet comes into contact with bait.
The baiting project, along with other management techniques over the previous 10 years, has been really effective in getting rid of raccoon variation rabies from Lake County and surrounding areas, the Wellness District said. With the exception of a periodic bat, the last rabies-positive animal took place in 2011..
Texas Athletics has actually received a significant gift from longtime fan Marian Dozier. Funds are to be distributed to name the Mens and Womens Basketball offices in honor of the Dozier household, and the Texas Football and Baseball press boxes in honor of family pal and previous Texas Sports employee Costs Little. Additionally, a part of the funds is set to refurbish practice centers in Denton A. Cooley Pavilion.
It marks the first management present under brand-new Mens Sports Director Steve Patterson.
We considerably value the Dozier households considerable support of Texas Sports and all our student-athletes, said Patterson. Hopefully Marians leadership will motivate others to, in their own method, support Texas Athletics. The Dozier household has been terrific members of the Longhorns household for decades, and we anticipate that relationship continuing for many years to come.
The Doziers have always been about family to us, said Womens Athletics Director Chris Plonsky. They had a very visible business in this neighborhood and were industry leaders. In all communications with them, their children and grandchildren, they have actually understood from the beginning that any relationship with Texas has actually had to do with supporting the student-athlete experience. That idea of support was at the heart of every donation they made and every ticket they purchased– not just for themselves, however for their staff members and customers– and in any of the sponsorships they so generously got involvedtook part in as well.
Marian, her late partner Dick, and their 4 kids relocated to Austin in 1968. After understanding they would require more monetaryfunds to provide a quality education for their youngsters, the Doziers acquired a Taco Bell franchise business on Burnet Roadway. What began with one effective establishment caused the Doziers owning 74 Taco Bells throughout Central Texas, making it among the most effective franchise operations in the country. Their steptransfer to Austin also offered a new college sports program to support– the Texas Longhorns.
The Doziers contributed funds that added to the Mens and Womens Basketball practice center when it was first developedintegrateded 2003. This larger dedication is a continuation of the Dozier households previous investment to supply the finestthe very best facilities for Texas student-athletes to establish their abilities. World-class facilities in turn allow Texas Athletics to attract and retain the best talent in the nation, consisting of coaches and student-athletes.
For as long as I can keep in mind, basketball has been an importanta vital part of the life of the Dozier family, said Marian. When Cock and I moved our family to Austin, we began a love affair with Texas Sports. As our company and our household grew, so did our association with the Longhorns. In a meansIn such a way, with the great times and the challengingbumpy rides, individuals in the sports department were there to commemorate with us and to support us.
After Dicks fatality, Marian led the purchase of 45 Pizza Hut dining establishments as chair of Austaco. In 2003, Austaco won the Glenn Bell Award, provided to the Taco Bell franchise business of the year. Separately, Marian received the Cheese Head Award as she characterizes all that Yum and Pizza Hut brand names represent when it comes to family-run company. In both her work and life, Marian has actually looked after the individualsindividuals and organizations she deals with, just as they have actually supported her.
Our business grew because of significant people, excellent fortune, and a great game plan, and it is for those values that we stand, said Marian. Our business motto is Here to Serve. And that is what our household is finishing with this gift of love and thanks.
We are justso recognized that we are going to remain to see their presence not just with names on the centers, but also in the spirited nature of their present, said Plonsky. It will certainly always remind us of the excellent in people and how lucky we are to have donors who share our vision. Marian took over the business after Dick passed away and has actually been an amazing function model for our females employees and student-athletes on ways to use their degree to be successful in their career. She is a strolling example of what a bright, inspired, caring female can do in business.
As essential as Prick ended up being in the fastjunk food industry, he constantly was a coach at heart– and he utilized those concepts every day in our company, stated Marian. I found out long ago that college athletics has to do with young peopleyouths– about their hopes and dreams. It is importantis very important for those of us who have been blessed with success to be duty designs and to give them something to shoot for that is well beyond an objective line or a basket. That is why it matters to our children and to me that the Dozier name be counted among those who believe in young people and the objectives stated by The University.
While the Mens and Womens Basketball workplaces are named after the Dozier family, the Texas Football and Baseball press boxes are called the Costs Little Media Center to honor a longtime household buddy. Littles involvement with Texas Athletics began in 1968 as an assistant sports details director. His association periods the profession of 5 Texas Football coaches and six years. He has accompanied Texas teams to 36 bowl games, broadcast even more than 1,700 college baseball video games, and functioned as the voice of Mens and Womens Basketball.
It implies a lot to be able to honor my great pal Bill in this means, stated Marian. An enthusiasm for Texas Sports is something we have actually always shared, and it is through athletics that we became so close. This naming will certainly help recognize his enormous life work, the heritage he has left across the country on sports media, and ideally encourage young peopleyouths to follow their enthusiasms in work and life.
Marian has actually served the greater Austin neighborhood with participation in boards and causes such as the Longhorn Foundation Advisory Council, Community Longhorns, Any Child Can, Specifically for Kid Infusion Center, the Miracle Foundation, Presidents Council of Austin Lyric Opera, the Leukemia and Lymphoma Society, and the Central Texas chapter of the National Football Foundation. Furthermore, Marian acted as trustee at Brite Divinity school at Texas Christian University. She was recognizedbestowed The First Tee core value award for sportsmanship in 2012. The Dozier household are startingwas established members of Shepard of Hills Christian Church. Marian has 4 kids: Dirk, Doug (1952-2012), Rich and Jay.