Receive email alerts “Media law and dealing with journalists must be given special emphasis in police training, and it must be ensured that police officers put this into practice, ” Michael Rediske added. This includes the frequently repeated argument that it is illegal to publish images of the faces of individual demonstrators without their consent. Under the German Copyright Act for Works of Art (KUG), images of contemporary events (including images of public demonstrations and their participants) are indeed allowed to be disseminated without the persons who appear in the images having given their consent. The General Data Protection Regulation (GDPR) which has been in effect since May 25 has not changed this. In the last few months, right-leaning demonstrators have repeatedly tried to limit media coverage of events, citing the GDPR and arguing that any images of them are personal data and therefore can no longer be used without their consent. In some cases, police officers have supported them when they used this argument. The German Federal Criminal Police Office (BKA) also documented 16 cases of acts of violence with a right-wing motivation against journalists in 2016. For 2017 it documented 11 cases and for this year (up to August 17) it has registered 6. May 31, 2021 Find out more March 30, 2021 Find out more GermanyEurope – Central Asia Reports and statisticsProtecting journalists Violence In the following two years, the numbers dropped significantly: in 2016 RSF Germany registered 18 acts of violence against journalists, all except two occuring at demonstrations staged by the Alternative for Germany party or one of the various branches of Pegida or right-wing extremist groups. In 2017 RSF Germany documented a total of 16 attacks against journalists, the majority of these incidents (11) occurred in connection with the protests before and during the G20 summit in July 2017 in Hamburg, where journalists were either attacked by demonstrators or hit by pepper spray and water cannons used by the police even though they were clearly identifiable as members of the media. RSF Germany will assess all documented reports of attacks at the end of the year, but the high number of eyewitness reports already points to a marked increase in the number of confirmed assaults in 2018. June 2, 2021 Find out more to go further After reaching a peak of 39 cases of attacks against journalists in 2015, this figure dropped to below 20 in 2016 and 2017. RSF Germany is concerned by a new surge and calls on the authorities to guarantee journalists’ safety. News In 2015 RSF Germany registered a surge in violence against journalists for the first time in Germany. In that year, RSF Germany documented at least 39 violent assaults, most of which took place at the demonstrations of the Pegida movement and its regional branches or at far-right rallies or counter-demonstrations. Roughly two-thirds of the incidents documented by RSF Germany occurred in Saxony, with others registered in Berlin, Munich and other cities. The victims of these attacks were for the most part photographers, camera teams or reporters who had been standing outside the mobile units of radio and television broadcasters – in other words journalists who could easily be identified as such and who in the eyes of demonstrators symbolise the collectively denigrated “lying press”. Organisation REPORTERS WITHOUT BORDERS DOCUMENTS VIOLENCE AGAINST JOURNALISTS Several journalists have told RSF Germany in the last two weeks that they had never before been exposed to as much hate and aggressiveness as during the protests in Chemnitz and a dozen of them were physically attacked while covering the events ( MDR, Der Spiegel, Watson online, Buzzfeed Germany, ARD and Funke media have reported attacks against their journalists) . The German city of Chemnitz has been the epicentre of fierce clashes at the beginning of the month where anti-migrant protests and counter-protests have escalated following the fatal stabbing of Daniel Hillig, a 35-year-old German-Cuban. RSF Germany does not yet have conclusively verified figures for the current year, but the already numerous reports from journalists indicate that the number of attacks against journalists for 2018 will be higher than for the two preceding years. The incidents occurred in several regions of Germany, not just in Saxony. Use the Digital Services Act to make democracy prevail over platform interests, RSF tells EU A code of conduct for cooperation between police and media has existed for 25 years in Germany. For this code to be adhered to in practice, in addition to placing special emphasis on media law in police training, it is vital that politicians and authorities show the will to support police officers in putting this knowledge into practice. GermanyEurope – Central Asia Reports and statisticsProtecting journalists Violence Germany ranks 15th out of 180 states on the World Press Freedom Index. “The atmosphere at the protests in Chemnitz was more hostile to the media than we have experienced since the anti-Islam Pegida movement began in 2015. It is unacceptable that journalists in Germany have to fear for their own safety simply because they cover major public events,” said Michael Rediske, executive member of RSF Germany’s board of directors. It’s particularly alarming that in recent times large groups of people are increasingly targeting journalists at right-wing demonstrations, collectively insulting and harassing them. It is therefore all the more vital that police protect journalists and make it possible for them to do their work unimpeded,” Rediske added. Help by sharing this information News News After the riots in Chemnitz, Reporters Without Borders (RSF) Germany notes that the number of violent attacks against journalists in Germany will be higher this year than it was in the last two years. RSF Germany is concerned by this new surge and calls on the authorities to guarantee journalists’ safety and encourage police officers to support media representatives in their journalistic activities. POLICE MUST KNOW THE RIGHTS OF JOURNALISTS AND ENFORCE THEM One improvement since 2015 is that there is now a greater awareness in politics of the fact that police officers should support media representatives in their journalistic activities. In its “Nahaufnahme” report on Germany in 2016, RSF Germany criticised that police officers often looked away or failed to intervene when journalists were prevented from doing their work. In some cases, however, the conduct of the police continues to be objectionable, as was the case recently when a team working for German public broadcaster ZDF in Dresden was prevented from doing its work. RSF_en September 10, 2018 Clear increase in violence against journalists in Germany in 2018 RSF asks Germany to let Myanmar journalist Mratt Kyaw Thu apply for asylum Follow the news on Germany AFP German BND Act: A missed opportunity for press freedom News
IndianaLocalNews Google+ By 95.3 MNC – October 5, 2020 0 409 Pinterest Facebook Michigan woman arrested after near head-on crash with Indiana State Trooper WhatsApp Twitter Pinterest Google+ Twitter (Photo supplied/Indiana State Police) A Michigan woman was arrested on suspicion of OWI after investigators say she nearly struck an Indiana State Police cruiser head-on.The close call happened shortly before 3 a.m. on Sunday, Oct. 4, on State Road 127 in Angola.The incident occurred as the trooper was transporting an arrestee to the Steuben County jail.The trooper was driving northbound on SR 127 coming into the round about circle intersection in downtown Angola. A Chevrolet HHR passenger car came around the circle southbound in the wrong direction, causing the trooper to take evasive action to avoid collision. Two other troopers were close by at the time, and were able to get the driver stopped on Washington Street near US 20.During the course of the traffic stop both officer’s quickly recognized that the female driver, Hannah L. Gore, 40, of Hillsdale, Michigan, was showing obvious signs of intoxication. She was taken to the Steuben County jail where jer level of alcohol intoxication was determined to be well over twice the legal (.08) limit.Gore was placed under arrest without incident and booked into custody at the Steuben County jail, pending an initial hearing on the matter.Charges:Operating While Intoxicated, Endangering A Person (Misd)Operating While Intoxicated (Misd)Operating While Intoxicated with Alcohol Concentration > (.15) (Misd)Operating Wrong Way (Infraction)No Valid License (Infraction) Facebook WhatsApp Previous articleElkhart receives a $200,000 grant to help with the new Tolson CenterNext articleStudy: Evictions linked to coronavirus deaths 95.3 MNCNews/Talk 95.3 Michiana’s News Channel is your breaking news and weather station for northern Indiana and southwestern Michigan.
After being held relatively in check for the past two games, Golden State Warriors forward Kevin Durant exploded for 38 points.One of the subplots of the NBA playoff series was how Clippers guard Patrick Beverley’s defense was disrupting Durant on the offense end. So far, he was kind of successful holding the all-star to 23 points in Game 1 and 21 points in Game 2. The third contest was different as Durant dominated from the start. He scored 27 points in the first half. He also chipped in four …
Astrobiologists threw a party when a team of researchers decided there was more hydrogen in the early earth’s atmosphere than thought (see “In the beginning, hydrogen: was it Miller Time?, 04/22/2005). While this was good news for those wishing for better conditions on the early earth for chemical evolution, a few are staying sober enough to warn against letting the celebrations get carried away. Last month, veteran origin-of-life researcher Christopher Chyba, buoyed by the announcement, was nevertheless cautious about how much it helps the Miller scenario. He wrote in Science:1In 1952, Stanley Miller, working with Harold Urey, simulated the atmosphere of early Earth with a gas mixture of methane (CH4), ammonia (NH3), molecular hydrogen (H2), and water. When he introduced an electrical spark to represent lightning, he observed the formation of amino acids, the building blocks of proteins…. However, by the 1960s, the validity of hydrogen-rich (and hence reducing) model atmospheres for early Earth, such as the CH4-NH3 atmosphere used by Miller and Urey, was under attack. Since the 1970s, carbon dioxide (CO2)-rich atmospheres have been favored. Miller has shown that the production of amino acids and other organic molecules is orders of magnitude less efficient in such atmospheres. For this and other reasons, the Miller-Urey approach to the origin of life has fallen out of favor with many researchers. But on page 1014 of this issue, Tian et al.2 argue that the early-Earth atmosphere might have been hydrogen-rich after all.(Emphasis added in all quotes; see also 05/02/2003 entry on the history of the Miller experiment.)Chyba described the Miller-Urey scenario in more detail, but admitted it was “probably largely wrong.” Such a reducing atmosphere would have been hard to form or sustain. If, however, there was a sustainable hydrogen abundance of 30% or more, as suggested by the Colorado team, conditions favoring higher production of amino acids might have existed. Still, “Many uncertainties and problems remain,” Chyba said, and they seem serious, indeed:Rinse: Tian et al. focus on the oceans as the “birthplace of life,” but polymerization of amino acids into proteins (or nucleotides into RNA) is thermodynamically unfavorable in liquid water.Salt: Furthermore, in an early ocean as saline as that of today, the salt inhibits key prebiotic reactions.3 The bulk ocean may thus have been one of the worst places to try to originate life.Toss: After making life’s building blocks in the ocean, one needs to look elsewhere to carry the chemistry further.He suggested that meteor impacts “may also have been a major driver of organic production in an early H2-rich atmosphere,” but with all the hope and hype, Chyba advises sobriety:These are tumultuous times in the study of the origin of life. The early ocean may have been even less hospitable for prebiotic chemistry than previously thought, and claimed evidence for the earliest signatures of life on Earth is being strongly challenged. Now a 30-year, albeit shaky, consensus on the nature of the early atmosphere may have to be reexamined, and the geochemical implications of an H2-rich early atmosphere will need to be scrutinized. This turmoil makes it a great time for young scientists to enter the field, but it also reminds us that some humility regarding our favorite models is in order. As Jacob Bronowski noted, “Science is a tribute to what we can know although we are fallible.”These week in Science,4 Richard Kerr also wrote about the higher hydrogen estimate:Thirty years ago, geochemists took away the primordial soup that biologists thought they needed to cook up the first life on Earth. Now, some atmospheric chemists are trying to give it back. Creating the primordial organic goo used to be easy. If you combined the methane and ammonia seen in the still-primordial atmosphere of Jupiter, passed lightninglike sparks through the mixture, and added some water, voilà, complex organic compounds such as amino acids formed. But then in the 1970s geochemists spoiled the party by insisting that Earth’s earliest atmosphere was nothing like Jupiter’s. Earth’s carbon would have been part of oxygen-rich carbon dioxide, and its nitrogen part of inert nitrogen gas, they said. And hydrogen seeping from the planet’s interior would have quickly escaped to space. That left chemists with a thin gruel indeed.Kerr summarizes the new estimate and what it means: “Overall, hydrogen would have escaped at 1/100 the rate previously assumed, the group says…. That would make for a far more productive atmosphere than chemists have been coping with for 30 years” – allowing vast amounts of organics to form into the ocean “ to make a soup.” Kerr hastens to make clear that there is still disagreement. While the announcement “is going to make the biologists a lot happier,” another doesn’t feel that Tian et al. adequately dealt with all the factors that contribute to hydrogen escape; “a more sophisticated model would show that hydrogen escaped the early Earth at least as fast as it does today.” (Kerr does not even mention the problem with salts in the ocean.) Is the Miller party running out of food? He ends, “Time will tell whether too many cooks spoil the primordial broth.”1Christopher Chyba, “Rethinking Earth’s Early Atmosphere,” Science, Vol 308, Issue 5724, 962-963 , 13 May 2005, [DOI: 10.1126/science.1113157].2Tian et al., “A Hydrogen-Rich Early Earth Atmosphere,” Science, Vol 308, Issue 5724, 1014-1017, 13 May 2005, [DOI: 10.1126/science.1106983].3Monnard et al., “Influence of ionic inorganic solutes on self-assembly and polymerization processes related to early forms of life: implications for a prebiotic aqueous medium,” Astrobiology 2002 Summer;2(2):139-52. They write that concentrations of salts anything like those in our contemporary oceans inhibits formation of amino acids and completely disrupts primitive membrane systems. Conclusion: “These observations suggest that cellular life may not have begun in a marine environment because the abundance of ionic inorganic solutes would have significantly inhibited the chemical and physical processes that lead to self-assembly of more complex molecular systems.”4Richard Kerr, “A Better Atmosphere for Life,”, Science, Vol 308, Issue 5729, 1732, 17 June 2005, [DOI: 10.1126/science.308.5729.1732].Same comment as in 04/22/2005: too little, too late. The good news is no better than that in the Geico commercials: “I have good news and bad news. The jury has found you guilty, you have to go into the slammer for life, your wife and kids have left you and are changing their names, your stocks went bust, and you have cancer.”“What’s the good news?”“I just saved $400 on my car insurance by switching to Geico.”Everything is against the astrobiologists: the chemistry, the sources, the geology, the salt, the water, the information, the probability, the thermodynamics, the philosophy. Does the good news really matter? “I just saved 30% on my hydrogen when switching to the Tian et al. model.” It would make any knowledgeable astrobiologist want to hold his head and groan, “Oh, shut up.”(Visited 15 times, 1 visits today)FacebookTwitterPinterestSave分享0
NEXT BLOCK ASIA 2.0 introduces GURUS AWARDS to recognize and reward industry influencers Typhoon Kammuri accelerates, gains strength en route to PH Except the Lakers had the mojo for much of the first three quarters. Julius Randle had 23 points and nine rebounds, and Kentavious Caldwell-Pope and Brandon Ingram each scored 17 points.“I know how good we can be when we decide to play hard,” Butler said. “But we think that we’re so good on paper that we can just go through the motions.”Ivica Zubac, who went 8 for 8 from the floor for a season-high 19 points, threw down a dunk for a 99-98 lead for the Lakers, but that was essentially their last momentum-creating play of the game.“They’ve got some big-time closers on that team, starting with Jimmy Butler,” Lakers coach Luke Walton said. “He kind of set the tone in the fourth with the way he played.”Butler blocked shots by Randle and Isaiah Thomas on consecutive possessions in the closing minutes, putting his stamp on yet another winning performance.ADVERTISEMENT Los Angeles Lakers’ Julius Randle, left, looks at Minnesota Timberwolves’ Jimmy Butler in the first half of an NBA basketball game Thursday, Feb. 15, 2018, in Minneapolis. (AP Photo/Jim Mone)MINNEAPOLIS— The Minnesota Timberwolves were flat, facing a double-digit deficit for long stretches of the game.This is why they traded for Jimmy Butler and signed Taj Gibson, for fourth-quarter lifts like these.ADVERTISEMENT AFP official booed out of forum Read Next “I think that’s what separates him as a superstar,” Crawford said. “Most guys, they do it on one end, but those types of plays, they’re immeasurable.”This was a win the Wolves badly needed before the All-Star break, after their 13-game home winning streak ended in humbling fashion on Tuesday against Houston. They moved within percentage points of San Antonio for third place in the Western Conference at 36-25. The Spurs are 35-24.The Lakers shot so sharply to start the game, going 17 for 27 from the floor in the first quarter, that the Wolves produced separate spurts of 23-8 and 21-6 in the first half yet still trailed 65-62 at halftime.Randle had 10 points in the third quarter as the Lakers again pushed ahead. He drove and scored on Karl-Anthony Towns for an 86-76 lead, and a frustrated Towns was called for an offensive foul on Brook Lopez to erase a spin-move layup on the next possession.But Crawford got the Wolves and the crowd going early in the fourth quarter, sandwiching a 31-foot swish by Tyus Jones with a pair of 3-pointers of his own. The second one came off a slick crossover dribble that deked Corey Brewer at the top of the key and brought the Wolves within 95-94.TIP-INSLakers: Zubac, who grabbed 11 rebounds, had only 23 points in 17 previous games. … The recently acquired Channing Frye was not with the team to tend to personal matters, according to Walton. Frye made his Lakers debut on Wednesday against the Pelicans, with three points in 11 minutes.Timberwolves: Towns narrowly notched his NBA-leading 51st double-double, with 10 points on 2-for-9 shooting to go with his game-high 19 rebounds. … After tying his season low with seven points on 2-for-14 shooting on Tuesday against the Rockets, Andrew Wiggins finished with a quiet eight points on 4-for-11 shooting, with four rebounds and no assists.FLIP, FONDLY REMEMBEREDThe Timberwolves unveiled a banner from the rafters of the arena to permanently recognize the impact that Saunders, who died in 2015 of complications from cancer, had on the franchise. Former players Chauncey Billups, Sam Cassell, Troy Hudson, Latrell Sprewell, John Thomas and Gary Trent were on hand, along with Mark Madsen, now a Lakers assistant. Kevin Harlan, the original Timberwolves television play-by-play announcer who later called the game for TNT, emceed the on-court ceremony. Timberwolves assistant coach Ryan Saunders and his three sisters flanked their mother, Debbie Saunders, as she addressed the crowd.“He would also want to tell you how fortunate he felt to have known you,” she said. “You all contributed things to his life. Keep up your kindness.”BALL, BACK SOONLakers rookie point guard Lonzo Ball missed his 15th straight game with a sprained medial collateral ligament in his left knee, but he’s nearing a return. Trending Articles PLAY LIST 00:50Trending Articles00:59Sports venues to be ready in time for SEA Games01:27Filipino athletes get grand send-off ahead of SEA Games01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City John Lloyd Cruz a dashing guest at Vhong Navarro’s wedding Brace for potentially devastating typhoon approaching PH – NDRRMC MOST READ Slow and steady hope for near-extinct Bangladesh tortoises Globe Business launches leading cloud-enabled and hardware-agnostic conferencing platform in PH Japan’s Hanyu sets Olympic record in short program “It’s going to be really fun to have him out there pushing the basketball and him putting guys in different spots and giving confidence to other guys,” Ingram said.UP NEXTLakers: Host Dallas on Feb. 23 after the NBA All-Star break, their only home game in a 24-day span.Timberwolves: Visit Houston on Feb. 23 following the seven-day layoff, a rematch with the Rockets after the 18-point loss here on Tuesday. Gibson scored a season-high 28 points and Butler added 24, providing the Timberwolves with the production and energy for a 119-111 comeback victory over the Los Angeles Lakers on Thursday night.Butler and Gibson, the former Chicago teammates, muscled their way to the basket with a fierce determination down the stretch. Butler drove along the baseline and flicked a short pass to Gibson in the lane, where he dropped in a layup and converted a three-point play for a 110-104 lead with 3:59 left.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSLillard, Anthony lead Blazers over ThunderSPORTSMalditas save PH from shutout“What he and Jimmy have brought to the team has really changed things for us,” said Wolves coach Tom Thibodeau, who had them both with the Bulls. “Those guys, they weren’t going to let us lose.”Jeff Teague pitched in 20 points and Jamal Crawford added 15 for the Timberwolves, who rallied from a deficit as large as 15 points in the second quarter and 12 points late in the third to raise their home record to 24-7 on an emotional evening that started with a tribute to former coach and executive Flip Saunders. LATEST STORIES Don’t miss out on the latest news and information. 2 ‘newbie’ drug pushers fall in Lucena sting View comments
Brook Lopez. CONTRIBUTED PHOTO/ Andrei LaurelMonday wasn’t the first time Brook Lopez was in the Philippines.It was his first time, though, to try one of the country’s specialty treats as he ate halo-halo for breakfast, immersing himself in the Filipino culture.ADVERTISEMENT “It was my first time eating it and I got everything in it, all the toppings,” said Lopez as he graced the AXA Philippines-NBA partnership event at Hard Rock Cafe in Makati. “It was a lot. It was so good and I love the yam especially.”The Brooklyn Nets center admitted that there’s one more Filipino food he wants to indulge in his short time in the country.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSMalditas save PH from shutoutSPORTSPrivate companies step in to help SEA Games hosting“Jollibee,” he quipped with a grin. “Jollibee is my fastfood spot. The spaghetti is Jollibee is my favorite, no question. That’s where I go to.”What Lopez is familiar with is the way Filipinos embrace the sport of basketball, with aspiring Filipino ballers looking up to NBA players like him. MOST READ Don’t miss out on the latest news and information. LATEST STORIES Panelo suggests discounted SEA Games tickets for students PLAY LIST 01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes John Wall on Wizards’ playoff downfall: ‘Our bench got outplayed’ View comments Cayetano dares Lacson, Drilon to take lie-detector test: Wala akong kinita sa SEA Games Palace: Duterte to hear out security execs on alleged China control of NGCP “Seeing the passion the Filipino fanbase has for basketball in general, it was overwhelming and amazing to me,” he said.“My teammate in high school, my point guard was a Fil-Am, so he told me about the passion, how much he and the rest of the Filipinos love the sport. But it didn’t prepare me at all for the love for the game that I saw. Just traveling around the country and seeing players in sandals or barefoot, it shows me the true passion and love for the game.”He’s also rooting for upstart Filipino talents like Kobe Paras to someday make it to the NBA.“It’s great to see guys like Kobe who’s playing in America. He’s being a great role model for the younger players here. And I’m confident that the Philippine team will be competitive in the FIBA competitions and they’ll make it to the Olympics,” he said.Lopez also hopes to get a chance to squeeze in a couple of trips to famous amusement parks in the Philippines like Enchanted Kingdom and Star City despite having a loaded schedule.ADVERTISEMENT BREAKING: Cop killed, 11 hurt in Misamis Oriental grenade blast BREAKING: Cop killed, 11 hurt in Misamis Oriental grenade blast BSP survey: PH banks see bright horizon amid dark global recession clouds “I haven’t had a chance to go there yet. I need to knock them off my list,” he said. “I’m a huge theme park enthusiast. Robin and I are all about that. So I should definitely see some point to visit those two parks.”Sports Related Videospowered by AdSparcRead Next Pagasa: Storm intensifies as it nears PAR Lacson: SEA Games fund put in foundation like ‘Napoles case’ Every 18 seconds someone is diagnosed with HIV
PORTLAND, Ore. – When Melanie Lockert graduated with a master’s in performance studies in 2011, she was overwhelmed with student loans. Her many attempts to tap the Bank of Mom and Dad had failed.She had already worked three jobs to pay off $13,000. After juggling multiple jobs, relocating from New York to Portland, Oregon, and trimming expenses, she paid off the remaining $68,000 in 2015. Now 34, she acknowledges that tackling it herself may have been for the best.“If my parents had agreed to fund my education, I think it would have kind of been at the expense of their own retirement,” says Lockert, a writer and founder of the Dear Debt blog.Indeed, plenty of parents may already be behind on that count. Forty-five per cent of baby boomers have nothing saved for retirement, according to a 2019 study by the Insured Retirement Institute, a financial services trade group. And with average U.S. life expectancy now at about 78 years old, a nest egg is key.“Expectations I don’t think are set properly for how long people are going to live, so I think most families are going to need every penny (for retirement),” says Justin Castelli, CEO and financial advisor at RLS Wealth Management in Fishers, Indiana.If your parents aren’t on track for retirement, accepting a monetary gift from them can create more financial problems than it solves.WHAT TO CONSIDER BEFORE TAKING A GIFTA gift from your parents could jeopardize their potential retirement earnings, but it could eventually cost you, too, if you’re their financial Plan B for their golden years. Before accepting, take these steps:— Have a money talk. To preserve quality of life in retirement, financial planners generally recommend saving enough to replace about 70% of pre-retirement income. Castelli suggests that it depends on your parents’ goals. Find out where Mom and Dad stand. If they aren’t sure, a fee-only financial advisor can offer a clearer picture.— Understand the costs. Parents will be required to file a gift tax return for any amount above $15,000 per parent. And depending on what account the money is coming from and when, additional taxes and penalties may apply.— Outline expectations. Will you be financially responsible for your parents in their later years? If so, consider those future costs. For example, a 65-year-old couple who retired in 2018 would need to have saved $280,000 to cover health and medical expenses throughout retirement, according to a Fidelity estimate . Mom and Dad may be able to help you out today, but at what cost for tomorrow?— Weigh the family dynamic. If they give you money, your parents could also feel pressured to help your siblings and further hurt their retirement savings. And if they only help you, it could lead to jealousy or hurt feelings.— Make sure you truly need the help. As she was paying down debt, Lockert says her work ethic and creativity were pushed to the limit, forcing her to think differently about money. “I felt more confident paying large bills,” she said. If you can budget, save and take advantage of alternative resources, you might tackle financial goals yourself.EXPLORE OTHER OPTIONSDeclining a gift from your parents doesn’t mean you’re out of options:— Make it a loan, not a gift. A family loan could be a win-win: a low interest rate, no credit check and flexible terms for you, and potentially even a profit for your parents. You can consult an attorney or opt for a do-it-yourself promissory note. But it’s not without risks. “Because it’s an official loan, there are the normal avenues of repercussions if the loan is defaulted on,” says Kyle Moore, a certified financial planner and founder of Quarry Hill Advisors in St. Paul, Minnesota. Depending on the terms, parents can call collections, take you to court or seize collateral if you fail to pay it back.— Research other resources. If homeownership is a goal, for example, the Department of Housing and Urban Development and your state’s housing finance agency feature programs designed for lower-income or first-time home buyers .— Consolidate or refinance debt. With a good credit score (690 or higher), you can generally qualify for better interest rates to refinance student loans, transfer debt to a balance transfer credit card or consolidate other loans. Regardless of your credit score, a debt management plan from a non-profit credit counselling agency may also lower interest rates for some debts.This article was provided to The Associated Press by the personal finance website NerdWallet. Melissa Lambarena is a writer at NerdWallet. Email: [email protected] Twitter: @lissalambarena.RELATED LINKS:NerdWallet: Family loans: How to dodge the drama http://bit.ly/nerdwallet-drama-free-family-loansHelp buying a new home https://www.usa.gov/buying-homeFidelity Investments’ 16th annual retiree health care cost estimate https://www.fidelity.com/about-fidelity/employer-services/a-couple-retiring-in-2018-would-need-estimated-280000Melissa Lambarena Of Nerdwallet, The Associated Press
Kobe Bryant is so concerned about the state of affairs with his struggling Los Angeles Lakers that he reached out to another champion, Magic Johnson, for guidance on how to handle the drama.After seeing the Rockettes at Radio City Music Hall with his family, Bryant called Johnson and said the conversation was “very helpful. . .“We just talked about some of the experiences he went through and some of the systematic changes that he had to go through after Kareem (Abdul-Jabbar) retired and how he kind of managed through that and how he dealt with that,” Bryant said to the media after the Lakers shootaround in preparation for their game against the New York Knicks on Thursday.Bryant was guarded about the specifics of the conversation, saying, “The advice I get from Magic, Michael (Jordan) and those guys, that’s always sacred. That’s going to the mountain top and talking to Buddha, know what I mean? That’s privileged information.”Johnson expressed his displeasure with the way coach Mike D’Antoni has used all-star big man Pau Gasol, said it “doesn’t make sesnes.” A 7-footer with immense talent in the low post, D’Antoni has him playing on the perimeter mostly, which means the team has not been maximizing his skill set.Bryant remained relatively calm after the Lakers lost their fifth in six games at lowly Cleveland Tuesday night. But the fact that he called on Johnson speaks to his concern at his team’s 9-15 record going into Madison Square Garden.It would help Bryant and the Lakers if point guard Steve Nash could get healthy. He has missed all but one game with a leg injury that still will require another two weeks to heal, he said.“He’s getting closer,” D’Antoni said of Nash. “He worked out pretty well today. We see some flickers at the end of the tunnel.”Then he added: “He hasn’t progressed that far. But we’re getting closer. I just don’t want to build up expectations and he has a little setback and then everybody goes crazy. It’s going to be a whille. But a while, I don’t know what that is.”
Facebook Twitter Google+LinkedInPinterestWhatsApp Related Items: Hon Sharlene L Cartwright RobinsonPremier & Minister of FinanceThe Turks and Caicos Islands Facebook Twitter Google+LinkedInPinterestWhatsApp#TurksandCaicos, January 23, 2018 – South Caicos – Premier Robinson regrets the passing of Turks and Caicos Islands’ oldest resident, Ms. Eliza “Ma Lilah” Basden of South Caicos. Ms. Basden passed on Thursday, January 19, 2018 peacefully at home in South Caicos at the age of 104 years old.Ms. Basden has made outstanding contributions to the island and is known amongst most for her sterling contribution to her Church and by extension of the Turks and Caicos Island Baptist Union and the Soroptimist Club. She served as the first female executive member of the Turks and Caicos Islands Baptist Union and to date is the longest serving Recording Secretary.Premier Robinson on her passing says that, “Ms. Basden has been blessed to enjoy 104yrs and this is testament to God’s blessing on her life and her strength. Knowing her personally, I have seen her strength and her commitment to her beliefs. She was a loyal person and faithful to her commitment whether it was to the Church or the wider community. She has left an indelivle mark on those who met her. I believe that her life when celebrated on February 3rd, 2018 will speak volumes to this great giant of a lady and will inspire many to serve their God, Church and community with passion.”
Real Madrid have reportedly decided to begin contract talks with the out-of-favour Keylor NavasThe Costa Rican goalkeeper arrived at the Santiago Bernabeu in 2014 from fellow La Liga side Levante and soon established himself as the club’s number one.However, Navas’ has found himself benched frequently this season with Real’s new €35m arrival Thibaut Courtois now the preferred option in goal.In total, the Belgian has made 11 starts for Real compared to Navas’ seven with four of Courtois’ starts coming in the club’s last five games.Zidane reveals Sergio Ramos injury concern for Real Madrid Andrew Smyth – September 14, 2019 Zinedine Zidane has put Sergio Ramos’ availability for Real Madrid’s trip to Sevilla next weekend in doubt after withdrawing him against Levante.Due to this, Navas’ future had been called into question with Juventus recently being linked with a surprise move.But ABC claims that Real are desperate to retain the healthy competition between Courtois and Navas.The report adds that Los Blancos have decided to offer Navas a new one-year extension on his contract until June 2021.Navas has made 148 appearances in all competitions for Real and has won three straight Champions Leagues along with a La Liga title.