Karl Tryggvason, Karolinska Institute’s former dean of research speaks on why he was recently dismissed from the famous neuroscience Institute in Stockholm, Sweden.”Nuclear energy has a vital role to play in our low-carbon future,” says U.S. official Daniel Poneman of the International Conference on Access to Civil Nuclear Energy.Europe and the United States are outsourcing their carbon emissions to China by purchasing imports whose manufacture causes greenhouse gas emissions. Some European nations can account for half their emissions from Chinese imports.Sign up for our daily newsletterGet more great content like this delivered right to you!Country *AfghanistanAland IslandsAlbaniaAlgeriaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBolivia, Plurinational State ofBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCongo, The Democratic Republic of theCook IslandsCosta RicaCote D’IvoireCroatiaCubaCuraçaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and Mcdonald IslandsHoly See (Vatican City State)HondurasHong KongHungaryIcelandIndiaIndonesiaIran, Islamic Republic ofIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People’s Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People’s Democratic RepublicLatviaLebanonLesothoLiberiaLibyan Arab JamahiriyaLiechtensteinLithuaniaLuxembourgMacaoMacedonia, The Former Yugoslav Republic ofMadagascarMalawiMalaysiaMaldivesMaliMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMoldova, Republic ofMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorwayOmanPakistanPalestinianPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalQatarReunionRomaniaRussian FederationRWANDASaint Barthélemy Saint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyrian Arab RepublicTaiwanTajikistanTanzania, United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuela, Bolivarian Republic ofVietnamVirgin Islands, BritishWallis and FutunaWestern SaharaYemenZambiaZimbabweI also wish to receive emails from AAAS/Science and Science advertisers, including information on products, services and special offers which may include but are not limited to news, careers information & upcoming events.Required fields are included by an asterisk(*)
Deborah Swackhamer made sure to follow the rules before giving testimony last month to Congress on the role of science in setting policy at the U.S. Environmental Protection Agency (EPA). But her caution didn’t prevent her from being caught in the crossfire of another partisan clash between Republicans and Democrats on the science committee of the U.S. House of Representatives.A professor emerita at the University of Minnesota in Minneapolis, Swackhamer is chair of EPA’s Board of Scientific Counselors (BOSC), an external panel that advises the agency’s science office. But when the science committee’s Democrats invited her to a 23 May hearing on state involvement in EPA regulation setting, she told them she would appear only as a private citizen and would focus on how science helps the agency do its job.Swackhamer ran that plan by senior officials in EPA’s science office, and they seemed to be fine with that distinction, spelling out some ground rules for her to follow. She agreed, then accepted the committee’s invitation and submitted her testimony. But on 22 May, one day before the hearing, Ryan Jackson, chief of staff to EPA Administrator Scott Pruitt, emailed her to suggest changes to that testimony. Jackson also said that her statement needed to be vetted by the agency’s congressional affairs office.Sign up for our daily newsletterGet more great content like this delivered right to you!Country *AfghanistanAland IslandsAlbaniaAlgeriaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBolivia, Plurinational State ofBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCongo, The Democratic Republic of theCook IslandsCosta RicaCote D’IvoireCroatiaCubaCuraçaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and Mcdonald IslandsHoly See (Vatican City State)HondurasHong KongHungaryIcelandIndiaIndonesiaIran, Islamic Republic ofIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People’s Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People’s Democratic RepublicLatviaLebanonLesothoLiberiaLibyan Arab JamahiriyaLiechtensteinLithuaniaLuxembourgMacaoMacedonia, The Former Yugoslav Republic ofMadagascarMalawiMalaysiaMaldivesMaliMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMoldova, Republic ofMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorwayOmanPakistanPalestinianPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalQatarReunionRomaniaRussian FederationRWANDASaint Barthélemy Saint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyrian Arab RepublicTaiwanTajikistanTanzania, United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuela, Bolivarian Republic ofVietnamVirgin Islands, BritishWallis and FutunaWestern SaharaYemenZambiaZimbabweI also wish to receive emails from AAAS/Science and Science advertisers, including information on products, services and special offers which may include but are not limited to news, careers information & upcoming events.Required fields are included by an asterisk(*) Deborah Swackhamer testifies last month before the House of Representatives science committee. Scientist tells her story in latest partisan battle on House science panel By Jeffrey MervisJun. 28, 2017 , 5:45 PM House Science Committee Democrats Swackhamer declined to alter her remarks, saying the request infringed on her ability to present her views to Congress. “I thought my comments were factual, so I did not use his talking points,” she tells ScienceInsider. She was shocked that Jackson had even seen the testimony, because committee staff had assured her that it was embargoed until the hearing. (It is not typical practice for congressional committees to share with federal agencies the testimony of witnesses prior to a hearing.)The next day, none of the lawmakers attending the hearing asked her about the exchanges between her and Jackson. Swackhamer said her piece about the importance of science in helping EPA make decisions and thought that was the end of that.Partisan name-callingNot a chance. This past Monday, more than a month after the uneventful hearing, committee Democrats announced they had asked the agency’s inspector general, an in-house watchdog, “to investigate potentially illegal attempts by senior EPA officials, particularly Ryan T. Jackson, the EPA’s Chief of Staff, to interfere with Democratic witness, Dr. Deborah Swackhamer’s, testimony to the Science Committee last month.”In their letter to Arthur Elkins, panel Democrats asserted that “the ability of both federal officials and private citizens to freely communicate with Congress without fear of intimidation, interference, or reprisal is a bipartisan issue that is critical to ensuring good governance and uncovering issues of potential waste, fraud, abuse, or mismanagement.” The Democrats also wrote to Pruitt, telling him of their concerns.The New York Times and other media reported the news, citing relevant emails that Swackhamer had shared with the Democrats. The stories also contained a statement from the chairman of the science committee, Representative Lamar Smith (R–TX), upbraiding Democrats for “politicizing what seems to be nothing more than a federal agency making sure that information provided to Congress is accurate.”Within hours, Smith had upped the political ante by putting out his own press release. His account of the incident included what he says is the “full email exchange between Jackson and Schwackhamer [sic].” Oddly, those emails seem to confirm what Swackhamer says she was told by EPA officials, and raise questions about Jackson’s actions.“Deb Swackhamer did reach out to us on 15 May,” Robert Kavlock, acting head of the science office, wrote in a 22 May email to Jackson. Kavlock then summarized the advice she was given. “Since you would be speaking in your personal capacity, you cannot speak on behalf of EPA nor can you share any nonpublic information. Additionally, if you mention your role on the BOSC you should also include other relevant details from your resume that highlight your achievements as a scientist.”Smith’s press release essentially accuses the Democrats and Swackhamer of colluding against him. “The Minority and Swackhamer contend that the testimony she provided to the Committee was done so solely in her personal capacity and not as the Chair of the BOSC. [But] the true intent of this testimony was to criticize Administrator Pruitt’s evaluation of the BOSC rather than discuss state involvement of EPA rulemaking.”The “evaluation” that Smith cites is a reference to Pruitt’s decision in late April to break with precedent and not reappoint nine of the 18 members of BOSC whose 3-year terms had expired. Pruitt said the agency wanted to cast a broad net before choosing its next set of advisers. The scientists being cut loose were free to reapply, he added.Swackhamer was quick to criticize Pruitt’s decision once the news got out. She told reporters it was part of a larger effort to “promote deregulation” at EPA by muting the impact of scientists on its regulatory decisions. Since then, Pruitt has decided to part ways with an additional 38 people who serve on five subcommittees that report to BOSC. By Swackhamer’s tally, EPA’s roster of 68 experts will dwindle to 11 by 1 September, at which point the BOSC itself will have only three members.That drastic reduction in capacity is her real concern. “I’m sorry that it’s gotten so political,” says Swackhamer, whose 3-year term runs until next spring, at which point she hopes to be reappointed to a second term. “My main message is that EPA can’t meet its mission without robust science. And that requires both doing good science and making use of expert external review, which is what BOSC provides.”
Earthworms are the unsung heroes of the planet’s ecosystems: Unnoticed below our feet, they grind up soil and dead matter, recycling essential nutrients and moving air and water deeper into the ground. Without them, soil health would suffer and plant productivity would falter. Now, for the first time, researchers have mapped where these humble invertebrates live, identifying wormy hot spots around the globe. The project, which pooled earthworm data from more than 140 scientists and 6900 sites, has cataloged hundreds of species and revealed trends about where each plies the soils—and under what conditions they thrive.“The results … provide a comprehensive global perspective on one of the most important animal groups,” says Stefan Scheu, an ecologist at the University of Göttingen in Germany, who was not involved with the work. Scientists can now start to come up with conservation plans for worms and other organisms that integrate life above and below ground, he adds.During the 1800s, intrepid explorers collected and cataloged many of the world’s plants and animals, providing range maps for different species that launched further study. But that wasn’t true for subterranean life. “We’ve been lacking basic information [for a long time] about what earthworms live where,” says Noah Fierer, a soil ecologist at the University of Colorado in Boulder.Sign up for our daily newsletterGet more great content like this delivered right to you!Country *AfghanistanAland IslandsAlbaniaAlgeriaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBolivia, Plurinational State ofBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongoCongo, The Democratic Republic of theCook IslandsCosta RicaCote D’IvoireCroatiaCubaCuraçaoCyprusCzech RepublicDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEthiopiaFalkland Islands (Malvinas)Faroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and Mcdonald IslandsHoly See (Vatican City State)HondurasHong KongHungaryIcelandIndiaIndonesiaIran, Islamic Republic ofIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People’s Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People’s Democratic RepublicLatviaLebanonLesothoLiberiaLibyan Arab JamahiriyaLiechtensteinLithuaniaLuxembourgMacaoMacedonia, The Former Yugoslav Republic ofMadagascarMalawiMalaysiaMaldivesMaliMaltaMartiniqueMauritaniaMauritiusMayotteMexicoMoldova, Republic ofMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorwayOmanPakistanPalestinianPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalQatarReunionRomaniaRussian FederationRWANDASaint Barthélemy Saint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint Martin (French part)Saint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint Maarten (Dutch part)SlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwazilandSwedenSwitzerlandSyrian Arab RepublicTaiwanTajikistanTanzania, United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuela, Bolivarian Republic ofVietnamVirgin Islands, BritishWallis and FutunaWestern SaharaYemenZambiaZimbabweI also wish to receive emails from AAAS/Science and Science advertisers, including information on products, services and special offers which may include but are not limited to news, careers information & upcoming events.Required fields are included by an asterisk(*)So, soil ecologist Helen Phillips from the German Centre for Integrative Biodiversity Research in Leipzig and her colleagues contacted all the earthworm researchers they could track down to ask for data about the animals living in their study sites. Ultimately, 141 scientists provided numbers and species names from more than 6900 sites across 57 countries. “There was about three times as much data as I was expecting,” Phillips says.Compiling and analyzing those data, many of them in different formats, must have been a challenge, says Katalin Szlavecz, a soil ecologist at Johns Hopkins University in Baltimore, Maryland. For example, earthworms have been studied long enough in Europe that most of the species are known. (The United Kingdom has 33 kinds.) But in the tropics, “Every time they dig a hole, they find a new species of earthworm,” Phillips says. And that uneven amount of study had to be taken into account to use the data effectively.She and her team evaluated the data to make sure they were as comparable as possible from site to site, and then used computer modeling to generate their global map. They were surprised when their analysis showed that temperature and rainfall seem to have a greater influence on where earthworms do best than soil type, they report today in Science.“It’s surprising that soil properties weren’t the most important driver,” says Tami Ransom, a community ecologist at Salisbury University in Maryland. Szlavecz, too, was astonished how little soil type mattered. The effects of temperature and rainfall suggest climate change will have a far greater influence on below-ground life than expected, they say. Consequently, life above ground might also be affected in ways not previously anticipated.The distribution of different earthworm species was also surprising. When it comes to life above ground, the tropics have the greatest biodiversity. But underground, these constantly warm regions are far less diverse, at least at a local scale: The rich soils of Europe, the northeastern United States, the southern tip of South America, and the southern regions of New Zealand and Australia seem to have more earthworm species in a given area. Those temperate zones also host more earthworms overall, according to the model, with up to 150 per square meter versus just five per square meter in the tropics.It’s vital to know what earthworms exist where, says Kevin Butt, an ecologist at the University of Central Lancashire in the United Kingdom who was not involved with the work. That’s especially true, he adds, “as we are in an era when large global upheavals are at play.” Iñigo Virto By Elizabeth PennisiOct. 24, 2019 , 2:00 PM The tropics are home to huge earthworms, but a new study suggests they host fewer species. First global map of earthworms reveals which places are chock-full of them—and why
India’s batting stalwart Rahul Dravid is likely to announce his retirment from Test cricket on Friday, bringing the curtains down on an illustrious career which made him the second highest run-getter in the longer format till now.Although there hasn’t been any official confirmation of the news but the BCCI on Thursday sent a media release about Dravid holding a joint press conference along with president N Srinivasan at the M Chinnaswamy Stadium on Friday afternoon.”Mr. N. Srinivasan, President, BCCI, and Mr. Rahul Dravid will address the media at 12:30 pm on Friday, 9 March 2012, at the M. Chinnaswamy Stadium, Bengaluru,” the release stated.The 39-year-old Dravid had a disastrous tour of Australia where he scored only 194 runs in eight innings at an average of 24.25. Even more disappointing was that Dravid popularly known as “The Wall” was bowled in six out of the eight innings as the Australian pacer Ben Hilfenhaus repeatedly breaching his defence with ease.There has been intense speculation about Dravid’s impending retirement ever since he failed with the bat during the Australian tour.Dravid had already announced his retirement from ODI cricket after the away series against England when he was surprisingly recalled in the shorter format due to his stupendous performance in the Test series where he scored three centuries in four matches.One of India’s greatest ever Test players, Dravid had scored a whopping 13,288 runs in 164 Tests at an average of over 52 which made him second highest scorer behind Sachin Tendulkar. He has hit 36 centuries and 63 half centuries with 270 against Pakistan being his highest score.He also has a very impressive ODI record where he had scored 10,889 runs at an average of shade less than 40. He has 12 centuries and 83 half centuries in the shorter format.Under his capataincy, India won away Test series in the West Indies as well as England but had a disastrous 2007 World Cup where they were out in the first round. advertisement
AdvertisementThe ICC Cricket World Cup’s opening groups stages are finally in the business end and three teams have already qualified for the final, while some other have already been knocked out of the tournament. However, there are two teams whose fates are still not sealed and set in stone but still depend on the result of today’s match between Pakistan and Bangladesh. These two teams are the fifth placed Pakistan and the fourth placed New Zealand.New Zealand currently has 11 points, while Pakistan has 9 points with a game still in hand. If Pakistan defeat Bangladesh then they will have equal points to the Kiwis, but their net run rate is considerably lower than New Zealand. Thus, the situation even if Pakistan win today of them going through to the semi finals, while it is not impossible mathematically on paper, it is still massively improbable.Pakistan can only qualify today if they win the match and:Defeat Bangladesh by at least 311 runs after scoring 350 themselves.Defeat Bangladesh by 316 runs after scoring 400 themselves.Defeat Bangladesh by 321 runs after scoring 450 themselves.If Bangladesh opts to bat first, Pakistan will be eliminated even before a single ball is bowled.If Pakistan end up bowling first, then they will be knocked out. Advertisement Pakistan have been on a roll ever since their defeat at the hands of bitter and eternal rivals, India. They have since went on to win their next three games against the likes of South Africa, New Zealand and Afghanistan. However, with the stipulations that are involved in today’s match, many fans and pundits alike believe that Pakistan are already knocked out and will not be able to miraculously turn it all around. It is according many just an official formality that is still left.Defeating Bangladesh is also a Herculean task in itself, as the Tigers have enjoyed some astounding form lately. Their former captain, the talismanic all rounder Shakib Al Hassan, in particular has been the star man and has produced arguably one of the best individual performances in this year’s World Cup, both with the bat and the ball.While Pakistan’s motivations are clear, even Bangladesh will be fancying their chances and will be looking to leave the tournament on a high by defeating their Asian rivals in an exciting South Asian derby match. ALSO READ:Arsenal complete transfer of Brazillian forward Martinelli
Jurgen Klopp to Liverpool fans: Don’t repeat senseless attack on Manchester City Hopes faded yesterday of finding Cardiff City striker Emiliano Sala alive, as it emerged the Argentine had sent relatives a desperate message shortly before the light aircraft he was flying in disappeared over the Channel. Floating objects have been found in the water, and police on the British island of Guernsey, which sits off the north coast of France, have warned the chances of the passengers surviving were “slim”.Related News EPL: Manchester City boss Pep Guardiola picks on Liverpool’s Sadio Mane As rescuers in three planes and a helicopter scoured the sea, Argentine media reported that Sala sent a final message before the plane disappeared from radar around 20 kilometres (12 miles) north of Guernsey on Monday night. “I’m on a plane that looks like it’s going to fall apart, and I’m leaving for Cardiff,” Sala said in a rambling WhatsApp audio message. “If in an hour and a half you have no news from me, I don’t know if they will send people to look for me, because they will not find me, you know… I’m so scared,” he added. Cardiff chairman Mehmet Dalman said the club had offered to pay for his flight but Sala had “made his own arrangements”. Catch up on all the latest sports news and updates here. Also download the new mid-day Android and iOS apps to get latest updates This story has been sourced from a third party syndicated feed, agencies. Mid-day accepts no responsibility or liability for its dependability, trustworthiness, reliability and data of the text. Mid-day management/mid-day.com reserves the sole right to alter, delete or remove (without notice) the content in its absolute discretion for any reason whatsoever Red-hot battle on cards!
Staying motivated at work can be hard but for remote employees it can be downright impossible.Unlike an office environment, at home there are a ton of temptations and distractions that can easily sap your productivity and your career trajectory.“Working from home is essentially an independent way of working. Even if you have managers and coworkers to be accountable to, you’re still responsible for motivating yourself,” says Sara Sutton Fell, CEO of FlexJobs. “And because our houses have all sorts of distractions (I’ll just throw in one load of laundry, or do these dishes quickly), it can be hard to stay motivated.”But you don’t have to let it hurt your career. There are ways to keep your motivation and productivity high. Here’s how.Have a dedicated office spaceSome of the most productive remote workers are the ones that have a dedicated office space in their home that they go to each morning. The ones that tend to easily lose motivation are the workers that open their laptop, plop down on the couch and think they can work with life going on around them. “You have to have an organized space in your home so that you can work in that space with limited distractions,” says Paul McDonald, senior executive director of Robert Half International.Hand in hand with having a dedicated office is setting boundaries for when family members can enter the office. If you want to keep your office void of distractions close your door during work hours, get rid of any toys or entertainment that will lure the kids or roommates and establish rules of engagement during work hours,Be organized and layout your work weekOrganization is imperative in any job, but for remote workers it is a necessity, especially because you won’t have a boss breathing down your neck making sure your work is getting done. According to Sara Caputo, founder and principal of RADIANT, a professional organizing and productivity consulting company, make sure you layout the work you plan to tackle during the week and update that list daily. “At the end of the week, I like the Friday 45, which is taking 45 minutes and planning ahead for next week so you can more easily leave work alone through the weekend and hit the ground running on Monday, ” says Caputo.Create a regular routineHumans are creatures of habit, which is why establishing a routine and sticking to it when you work at home is a great way to keep your motivation and productivity on overdrive. “We’ve found that people who establish a routine and establish check lists are very productive and motivated,” says McDonald. That means getting up at the same time during the work week as if you were going to an office, having predetermined break times and blocking off times to get up from your desk every now and then. For some people staying in their PJs all day works for them while others will take a shower and get dressed before heading to their home office. Either is fine as long as it’s part of the established routine.Find your secret saucePerhaps it’s a particular song, a comfy office setting or time of day, either way Sutton Fell says you want to figure out what gets you in a work groove and run with it. For some people it could also mean changing the scenery every once awhile. It’s no accident that coffee shops like Starbucks are filled with people typing away on their computers during office hours. “There are so many ways to get and stay motivated, but you are responsible for motivating yourself as a telecommuter,” say Sutton Fell.Get in the right mindset for workLife happens, but chances are you are going to hear all about it as it’s happening when you work from home. A great way to prevent life’s distractions is to have weekly meetings with your partner to prevent the personal portions of life from impacting productivity during work hours, says Caputo. Cover all the home issues during those meetings so you won’t be interrupted with questions during work hours, she says.Working at home is hard so it’s a good idea to cut yourself some slack as you figure it out. Nothing can be more demoralizing and thus productivity sapping then beating yourself up because you didn’t cross off everything on your checklist or you ended up working all weekend because you couldn’t get motivated. “Remember it takes more discipline to work at home than it does working in an office,” says McDonald. “It’s up to you to know what your productivity triggers are and be patient with yourself as adjust to what’s happening.”
As the popular slogan says, “Knowledge is power.” Now that you have used Know Your Worth, you have a new power, the power of insight into your estimated market value, what others in your field are being paid, as well as the open jobs available.You may be wondering, “Now what?”Print out your results page, and review it. Take some time to dig into what it means and what you’d like to do with the information. To help guide you, Glassdoor has crafted an employee guide to help. Consider your unique situation, your job, and your needs.If you are generally satisfied at work day in and day out, then you may want to stay in your current job and with your company for the time being. However, there are some things you should consider if you are not satisfied at work.Consider the full picture: Evaluate your full compensation and rewards program, remembering that base pay is only part of the equation. You should also think about your overall employment experience, including your company’s culture and values, career opportunities, work-life balance and more. If you don’t have a constant itch to leave, then it may be a sign to stay where you are, at least for now.Remember, salary is an important part of anyone’s job, but it’s not everything. Determine what is important to you at work and let that help guide your decision on whether to stay or to search for new opportunities. Also, if you are fulfilled in your job and company, but aren’t so satisfied with your pay, then one solution may be a candid salary conversation with your boss.[Related: Salary Is More Than Just A Number—Here’s Why]If you discover your market value is above your current base pay, you may want to have a conversation with your boss. But there are a few important steps and considerations you should take into account before having that conversation.No matter where you work, it is important to understand your market value and how it relates to your employer. For instance, do you work at a younger company in which the base pay may be less than the average market pay in your area? When evaluating if now is time for a pay increase, consider what may impact your success.Consider your overall compensation package. Know Your Worth provides an estimated market value for base salary. However, there are many forms of variable compensation from cash bonuses to tips to commissions to equity that could influence your base. In addition, some companies offer comprehensive benefits, including medical and dental benefits, paid time off, commuter subsidies and more. Expect that your boss will talk to you about your overall package versus just base pay.Practice and prepare for your conversation with your boss. In addition to your market value, look at Glassdoor salary reports for your role at your company, and other companies. Organize your research to help guide your discussion to explain the reasons you feel a pay increase is warranted. Be open to feedback and be prepared to listen to an explanation. Your request might not be fulfilled, but hopefully, you can leave the conversation with a better understanding of where you fit and what it will take to advance to the next level and earn more money.[Related: 6 Questions You Should *Absolutely* Ask During A Salary Negotiation]After having a conversation with your manager now that you have used Know Your Worth, you may be thinking about searching for a new job. If you do choose to see what’s out there, the key is to always look before you leap.Evaluate open jobs. When you receive your market value by using Know Your Worth, scroll down the page to see open jobs and the estimated salaries you could earn.Research companies hiring. Evaluate companies you’re interested in before you interview to determine if they might be a fit for you. Keep in mind that salary is not everything when it comes to long-term satisfaction on the job. You should evaluate company culture and values, career growth opportunities, work-life balance, and any other factors that could impact your personal satisfaction on the job.Consider if now is the right time. Know Your Worth also provides insight into how compensation for your role has varied over time. If compensation is peaking at this time, it may not be the right time to make a move. Bottom line is always do your research to try and understand what is happening and why.Remember that market values presented by Know Your Worth are reflective of base pay only. When evaluating your current job with other jobs open, take the time to evaluate the entire compensation and rewards package before making a move.
CDL-A Regional Truck Driver Averitt Express Washington, DC 23 hours ago 23h 3.8★ Browse Open Jobs 23 hours ago 23h 2.9★ 3.7★ 23 hours ago 23h 23 hours ago 23h Security Guard Allied Universal Washington, DC 23 hours ago 23h 23 hours ago 23h Charity Field Engagement Representative (Washington, DC) DialogueDirect Washington, DC 23 hours ago 23h 23 hours ago 23h CDL-A Dedicated Truck Driver USA Truck Washington, DC 23 hours ago 23h 3.0★ Engineering and Operations Lead Chameleon Integrated Services Arlington, VA 3.0★ Nursing: Intermediate Care – Telemetry MedPro Healthcare Staffing Washington, DC Front waiter – Clyde’s of Georgetown Clyde’s Restaurant Group Washington, DC Browse Open Jobs 4.5★ If you’re not a confident interviewer, you may feel as if navigating an interview is akin to walking through a minefield—eventually, you’re bound to make an explosive move. But after speaking with several recruiters and hiring managers, we found out that there aren’t many moves you can make that will automatically disqualify you from getting the job. But there is one thing you can do—the No. 1 thing, if you will—that will make any recruiter or hiring manager say sayonara to you. What is it? It’s trashing a previous employer, they say. “The No. 1 mistake a candidate might make is to disparage his or her prior employer—either the company itself or people who worked there,” says Laura Handrick, who works as FitSmallBusiness’ HR analyst. “No one wants to hire someone who talks badly of others. Employers want team players, not people who carry negative baggage. Plus, negative talk about former coworkers, the company, or a prior supervisor simply serves to make an applicant look like a whiner. A recruiter will see this person as a future ‘problem.’ and in spite of any great qualifications, they’re not likely to get called back for a second interview.”7 Ways You’re Scaring Off RecruitersJordan Rayboy, CEO of Rayboy Insider Search, agrees. “If a candidate is overly negative about a current or past employer, it plants seeds of doubt in a hiring manager’s mind,” he explains. “First, that the candidate has a negative attitude in general—and no one wants to hire a potential dark cloud onto their team. Next, that the candidate will likely bad-mouth their company in the future if they end up getting hired. And it also shows a lack of good decision-making skills—as in, what to share in certain situations and what not to. Lastly, and most importantly, it’s a sign the candidate tends to blame others when things don’t work out. They don’t take ownership of their share of responsibility for things. It’s always someone else’s fault—like their current or past employer’s fault—that they didn’t hit their numbers, or didn’t last more than a year there, or anything else that may have happened.”Trashing a previous employer is something recruiters and hiring managers hate so much that they may ask leading questions in order to see if you’re willing to bad-mouth a boss. “In an interview, I can identify a bad team player right away by asking questions that lead the candidate talk about his previous team experiences,” says Dave Lopes, director of recruiting for Badger Maps. “When the priorities of that individual supersede the priorities and growth of the team or group, you know you’ll have someone who will not fit well.”View Related ContentWhat’s more, “interviewers are, typically, good at getting a candidate to open up,” points out Handrick. “And once a candidate feels comfortable, they might be tempted to say something too revealing or disparaging, such as ‘I left my last company because my boss was a jerk who made me work overtime,’ or ‘they didn’t realize how good I was, so I quit when they wouldn’t give me a raise.’” These types of sayings are red flags to recruiters. You may very well have had a terrible former boss or are leaving a toxic work environment, but the fact is, recruiters and hiring manager don’t want to hear about it. So what should you say instead? “Instead of talking negatively about past or current employers, candidates should focus on what they learned in different scenarios, how they grew, and what they are looking to move towards as opposed to running away from,” Rayboy says. “Most managers prefer hiring candidates that are looking for a launch pad instead of a landing pad.” Another thing you can try to do, advises Jordan Wan, CEO of CloserIQ, is to “stick to facts, not judgments. You may want to consider saying, ‘I struggled to find exciting career paths for my growth at the company,’ instead of, ‘the company doesn’t promote top performers.’”11 Things To Never Say in a Job Interview 3.5★ CDL A Driver Cardinal Logistics Management Washington, DC 3.7★ 4.1★ Hair Stylist – Licensed – WASHINGTON, DC-3307 14th Street NW, 20010 Sport Clips Washington, DC Senior Contract Specialist (DOE) GCC Technologies Washington, DC 4.0★ 23 hours ago 23h
Financial Analyst Job Interview Tips When you interview for a role as a financial analyst, your goal is to demonstrate that your hard skills are honed and versatile. You’ll likely be asked to showcase your problem-solving skills, and to share insights about your market savvy.Make sure to practice your responses to common interview questions. Generally, interviewers favor some of the basics, some behavioral questions and some job-specific queries. So do your due diligence and rehearse answers in each category.Glassdoor users shared these examples of job-specific interview questions posed to them when they were interviewing for financial analyst jobs.What is the relationship of treasuries and bonds?Why is beta important and where do you apply it?Calculate growth of company given the separate growth percentages of different product segments.How does A/R and inventory fluctuations affect the income statement?If you invested $100 right now and earned 10% returns in your first year and then lost 10% in year 2, how much money would you have at the end of year 2?Additionally, these behavioral questions were shared by financial analyst interviewees:How would you handle an irate internal customer during a business meeting?Tell me about something that you did that your coworkers looked up to you for.Tell me about a time when you were working in a team and your opinion was challenged. Jobs for financial analysts are in demand and experiencing growth. The BLS reports: “Employment of financial analysts is projected to grow 11 percent from 2016 to 2026, faster than the average for all occupations. . . Demand for financial analysts tends to grow with overall economic activity. Financial analysts will be needed to evaluate investment opportunities when new businesses are established or existing businesses expand.” As the economy grows, so do these opportunities; this is true both domestically and internationally. Some industries that hire financial analysts include business, banking, investments, insurance and government. How Much Does a Financial Analyst Make? When interviewing for a job as a financial analyst, use Glassdoor to thoroughly research the company. Pay attention to what previous interviewees have said about their experience. Keep in mind that interviewers will expect candidates to be versed in financial markets, modeling, and analysis. Also, be prepared to discuss both micro and macroeconomics. In addition to technical questions, prepare to demonstrate your communication and collaboration skills by shaping thorough and thoughtful answers to behavioral interview questions.Working as a financial analyst is a grow as you go kind of job. Junior financial analysts, those in their first three years on the job, tend to be learning the ropes. Their daily work is comprised of financial modeling, gathering data and maintaining spreadsheets. This gives budding analysts an intellectual introduction into the work their field demands. It also prepares them for some of the certification course work and exams that may be required by their employer.In their next stage of employment, analysts start to use the data they’ve been gathering to form opinions and make recommendations. They often work with mentors who help them get acclimated to the analyst role. Senior analysts may be those mentors; they are the seasoned industry pros who have a reputation for success in this demanding field. The national average salary for a junior financial analyst is $58,000, while the average for a midlevel financial analyst is $66,000. Seniors financial analysts earn an average base pay of $83,000. Bonuses are a common perk for this role; the average bonus reported by financial analysist is around $6,000, and bonus pay ranged from $1,700-$20,000.By checking out Glassdoor Salaries, you can filter by location to see Financial Analyst salaries in your area. Salary estimates are based on 38,048 salaries submitted anonymously to Glassdoor by Financial Analyst employees.Boston Consulting Group, Travelers, Cisco, Goldman Sachs, Deloitte and Edward Jones are some top employers for financial analysts. Learn More! Working as a financial analyst requires a mathematical and detailed-oriented mind. Financial analysts have to maintain a comprehensive understanding of how the ever-fluctuating market impacts investments. Their role is dynamic, high-pressure, exciting and high-reward. So how do they earn their start?Degrees needed Step one is to earn a bachelor’s degree in math, statistics, business management, accounting, finance, economics or a related course of study. Some employers require that analysts also hold a master’s degree.The next step is to earn a license. Professionals who sell financial products are required to hold valid licenses; Financial Industry Regulatory Authority (FIRA) is the prime licensing entity for the financial industry. Employers generally sponsor their employees in securing FIRA licenses.Some employers may also require a Chartered Financial Analyst (CFA) certification through the CFA Institute. Earning the certification can be rigorous. To qualify, candidates need to hold a bachelor’s degree, plus they are required to have garnered four years of relevant professional experience. Finally, they need to pass a series of three exams. A benefit of certification is that it gives professionals the chance to train in an area of focus.Some additional certifications are available, including those for international financial practitioners. These may be required for certain specialties and can be pursued via the Global Academy of Finance and Management.Skills for being a financial analystThis role requires that analysts possess the hard, analytical skills to make sound, strategic investment decisions. It also requires soft skills like communication skills and the ability to work on a team.Some specific skills that financial analysts use in their work include:Stellar math and computation skillsA dynamic understanding of the economy and business trendsResearch skills that enable worth assessment such as determining companies’ values based on financial statementsThe ability to recommend strategic investmentsWritten and verbal reporting fluencyThe ability to converse about financials with company leaders and with clients alikeA solid grasp of current and historical data coupled with an ever-evolving awareness of its implicationsStellar communication skills that can support industry-versed audiences and lay audiences alike Interested in becoming a financial analyst? Find a new job and use these resources to craft a fulfilling career:Top Companies to Work For as a Financial AnalystHighest Paying Finance JobsFinancial Advisor Career: How to Become a Financial AdvisorThe Best Jobs and Career Advice for Finance Majors6 Keys to Scoring a Finance Job, According to Hiring Managers There are plenty of options when it comes to find your right fit role as a financial analyst. There are also many similar roles, including these:Budget analystAverage base pay: $62,000Degrees required: Bachelor’s degreeInsurance underwriterAverage base pay: $52,000Degrees required: Bachelor’s degreePersonal financial advisor Average base pay: $50,000Degrees required: Bachelor’s degree w master’s degree and certifications preferred. Related Careers to Financial Analyst How to Get Hired as a Financial Analyst Financial Analyst Hiring Process Financial Analyst Job Market
One of Victor Lindelof’s junior mentors says losing would leave the new Manchester United signing in tears.His footballing journey started aged five at IK Franke, a tiny club in a deprived suburb of the city.Coach Solve Goteson discovered Lindelof had “something special” because of his “work ethic to improve” and “hatred of losing”.He told The Sun: “I remember when he was eight or nine, he took the last penalty in a semi- final shootout and hit the ball five metres over the bar.“He was so upset he immediately ran off into a nearby forest. I found him later sitting on a tree where he cried and cried.“He felt he had let everyone down and I had to calm Victor by saying none of them were angry with him. But he wanted to win all the time.”
Charlton Athletic are battling to keep hold of Ezra Konsa.The Mirror says Tottenham and bitter rivals Arsenal are battling for versatile Charlton defender Konsa.The 19-year-old was a member of England’s World Cup-winning Under-20 squad.The Addicks are desperate to convince Konsa to stay next season.
Barcelona winger Cristian Tello has signed for Real Betis.The Catalans published a statement on Friday reading: “FC Barcelona and Real Betis Balompié have reached an agreement for the transfer of Cristian Tello to the Andalucian side for four million euros with a potential one million more to come.”FC Barcelona reserves the right to participate in the future sale of the player.”
Answer: a great photo. One that moves you to a smile, a tear or a click to donate.I look at dozens of nonprofit websites a week, and almost none of these have a dynamite photo. They may have no photo. Or a photo, but it’s small. Or corporate, stock-photo-looking image. Or a dull photo.This should be the hottest priority for your home page. People glance at web pages, not peruse them. You want to pull them in fast, and there’s no better way to do that than with a compelling image.Do you work with kids? Feature photos of them – or taken by them – on the home page. Or put a piece of their artwork on the home page. Do you work with animals? Put a big image of Rover on your page. Do you do something abstract, like advocacy for public lands? Show one of your super advocates standing in front of something they saved. Do you work on domestic abuse? Put a big photo of one of your hotline staff on the home page. HUMANIZE what you do. Bring it to life. Put it in pictures. Make that image a big piece of your home page real estate.But Katya, you might say, what about YOUR home page? Errrrr, right. Paging Dr. Hypocrisy. BUT, we’re about to do this right at Network for Good’s nonprofit site – This is “before.” Stay tuned for the transformation. Goodbye field, hello humans.Some great inspiration is at Collective Lens. I’ve invited them to share tips for great photos, and they kindly agreed, so stay tuned for those in an upcoming post.
ShareEmailPrint To learn more, read: Posted on June 6, 2012June 16, 2017Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)This post is part of a blog series on Malaria in Pregnancy. To view the entire series, click here. A couple of months ago, I had the chance to meet again with the members of the Plasmodium Vivax Infection in Pregnancy (PregVax) Consortium in Dehli, India– a country that contributes to nearly 80% of the malaria cases in Southeast Asia. P.vivax is the most common of human malaria species and causes up to 80 million cases annually with the majority occurring in Asia and the Western Pacific, Central and South America and the Middle East.The PregVax Consortium started back in 2008 to address the knowledge gaps in P. vivax infection in pregnancy. Approximately 25 million pregnant women exposed yearly to malaria live in areas where P. vivax is endemic. While the effects of P. falciparum malaria in pregnancy have been well characterised and are responsible for considerable maternal and infant morbidity and mortality, surprisingly little is known about the impact of P. vivax infection during gestation.The PregVax project is a cohort observational study of pregnant women from five P. vivax endemic countries (Brazil, Colombia, Guatemala, India and Papua New Guinea) that represent most of the world’s P. vivax infections. It aims to describe the epidemiological and clinical features of P.vivax malaria in pregnancy. Compiling this information in a methodologically standardized way is essential to describe the impact of P. vivax malaria in pregnancy. In addition, the project has been working to determine whether there are pregnancy specific P. vivax immune responses and characterize genotypically and phenotypically the parasites of the placenta. In an unprecedented effort, almost 10,000 pregnant women have been enrolled at the different project sites during their routine antenatal care visits and followed-up at the health facility until delivery or end of pregnancy.More accurate data of vivax malaria during gestation are essential to improve its clinical management and to guide control policies. Furthermore, elucidating the mechanisms involved in the pathology of P. vivax in pregnancy will help to develop specific control tools such as more effective drugs and vaccines.Although P. falciparum is the most deadly species and the subject of most malaria-related research and literature, more attention should be given to P. vivax. Furthermore, understanding the mechanism involved in P. vivax malaria may also help to elucidate important gaps in the knowledge of P. facilparum infection in pregnancy.Coordinating the PregVax project is challenging because of the ambitious objectives and the large cohort size. In fact, this is the first study of this kind in this area. As we are reaching the final stages of the PregVax project, I would like to take this opportunity to thank the European Commission whose research program, 7th Framework Program, made Malaria in Pregnancy one of its priorities and our consortium partners together with our collaborators from Centers for Disease Control and Prevention and the University of Melbourne. I left Dehli with the sense that we are making progress as we gain insight on critical aspects of this issue. Results will soon be shared with the scientific community.P. vivax was usually considered to be the benign malaria. However, its infection often leads to severe disease–and quality of life and productivity are negatively affected. Absenteeism from work and school and the anaemia that this disease leads to hampers the development of endemic areas. The economic impact of P. vivax malaria mandates that more resources be allocated specifically to research on this parasite.I think I can speak for everyone at the PregVax Consortium when I say that we look forward to assisting in any way that we can to achieve this vision.Prof. Clara Menéndez leads the Maternal, Child and Reproductive Health Initiative at the Barcelona Institute for Global Health and is the PregVax Consortium Co-ordinator.Share this:
Posted on July 12, 2016September 26, 2016By: Sarah Hodin, Project Coordinator II, Women and Health Initiative, Harvard T.H. Chan School of Public HealthClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)This week the Maternal Health Task Force (MHTF), with support from the Bill & Melinda Gates Foundation, has teamed up with The Aga Khan University and the Barcelona Institute for Global Health (ISGlobal) to host the second annual Safe Mothers and Newborns Leadership Workshop. The goal of the workshop is to increase the capacity of key players in the field of reproductive, maternal, newborn, child and adolescent health (RMNCAH) from high burden countries to reduce maternal and neonatal mortality by upgrading their technical knowledge and leadership skills.The workshop will draw on the expertise of international faculty to offer participants useful lessons that they can bring back to their home countries. The 2016 participants represent 26 countries from around the globe and work in a number of sectors including ministries of health, nonprofit organizations and hospital systems.Stay tuned in the coming weeks as we post interviews with these global leaders on the MHTF Blog.Get live updates from the workshop by following the MHTF on Facebook and Twitter. Connect with us by using the hashtag #SMNLW2016!Share this: ShareEmailPrint To learn more, read:
Since October, Freelancers Hub has become the place for New York City freelancers and creatives to gather, cowork, and learn how to improve their business practices — ALL FOR FREE. From personal finance and brand therapy to free tax preparation, we want to ensure that we’re providing our community with the most valuable resources, workshops, and networking opportunities to help freelancers thrive. But we need your feedback to make that possible. Starting today, July 3 through July 18, we’re asking that ALL NYC freelancers take just five minutes to complete our Member survey. Your answers will remain anonymous and, as a thank you, you will be entered into a drawing for a chance to win one of four $50 gift cards! Contest rules here.With your help, we can continue to provide freelancers with helpful resources, engaging events, and of course, free coworking for years to come. Take Our Survey!
4. RetirementIt doesn’t matter how old you are, you need to plan ahead for retirement.If your employer offers a 401(k), take advantage of it. This is the easiest way to save for retirement (not to mention it lowers your taxable income.) If they offer to match a certain percentage, even better. Aim to increase your contributions each time you get a pay raise, this way you won’t even miss the money.Do you have more than one 401(k) or IRA? Consider consolidating.Consolidating retirement accounts that share the same tax treatment can be beneficial for two reasons:1. Keeping all your money in one place makes it more simple and manageable.2. Having only one account reduces the amount of fees you’re paying.A retirement rollover is the best way to move money from one account to another. It’s important to do so correctly to avoid fees. Check out this article for more information: How to Handle Retirement Rollovers Correctly.For those of you whom have established retirement accounts, when was the last time you rebalanced your investment portfolio? Never?Typically, the younger you are, the more risk you can handle in your investments because you have more time to make up for any losses. The closer you get to retirement age, the more conservative you should be. Financial planning experts recommend that you rebalance your portfolio once or twice a year, but check up on it frequently to make sure you’re in line with your target.As you’re thinking about your retirement planning, also think about your beneficiaries. How long ago did you open your retirement accounts? Are your parents still listed as your beneficiaries on your 401(k) from your first job? Or maybe an ex-spouse is still designated? Review your beneficiaries as it may be time for an update.5. Legacy PlanningJust because Spring is all about rebirth, doesn’t mean we should avoid the subject of death. There are three important aspects of legacy planning that should be dealt with sooner rather than later:1. Writing a will2. Authorizing power of attorney3. Buying life insuranceWillsIf you don’t want the state to decide where your assets go when you die or, more importantly, who will be in charge of your children and funds owed to them, then you better draw up a will. Another, often forgotten, reason to have a will is to ensure no tension occurs within your family after you are gone. Without a will, you may have relatives arguing over your possessions and everyone may want input on what should happen to your assets.If you have a complicated estate, such as business interests, trusts, multiple investment properties, etc., then you should probably hire a lawyer to help with your will. However, if your estate is a bit more simple (e.g.: married with kids and you own a house) you can draw up your will right online, if you’d like. You’ll need to print it off and get it witnessed and notarized, but it’ll be much cheaper than hiring a lawyer.Power of AttorneyThere are two kinds of power of attorney: financial and medical.A financial power of attorney is most often just simply referred to as a power of attorney (POA) and this is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions.A medical power of attorney is a document that states a person you name who has the authority to make medical decisions for you if you are unable to do so, for example if you’re unconscious or mentally incapable.Most people assume only elderly individuals need to have these POA documents in place, but you don’t need to be 80 years old to get into a car accident and become unconscious. If you become mentally or physically incompetent, your designated POA agents can make decisions on your behalf instead of it being left up to strangers who wouldn’t know your wishes, such as doctors and judges.If you’re over 18 and considered of sound mind, you can draw up both types of POA documents. Hiring a lawyer is an option, but, like wills, you can create these documents online for a fee. Be sure to discuss with your agents of choice before drawing up the documents and make sure they understand your wishes and their responsibilities.Life InsuranceLife insurance isn’t the happiest financial product to think about. However, while many Americans admit life insurance is important, many households are underinsured. People are telling themselves “It won’t happen to me,” meanwhile they really should be asking “What if?”If you have young children, life insurance is a must. How would your loved ones be affected if your income were to suddenly disappear? Stop postponing and get a term life insurance quote today. Life insurance is more affordable than you think and because the process is mainly digital, it’s also become much more convenient to buy.If you already have life insurance, good for you! But don’t forget to review your policies periodically after life changes such as a new baby, marriage or divorce, or changing jobs. Your coverage needs may have changed, not to mention beneficiaries may need updating.Although many of these financial spring cleaning to-dos may take a bit of time to complete, you’ll feel accomplished and will ultimately be in a better financial place. Do you have any financial spring cleaning tips to share? Leave a message in the comments section. Spring is the perfect time to complete a financial clean-up. Here we share a few financial areas of your life that may need some sprucing up. No mop required!1. BankingThe banking industry is quite competitive. If you’re not getting any perks from your credit card company or bank, it’s time to make a switch.Credit CardsCredit card companies today offer everything from travel rewards to gift cards to cash back. Many cards even offer perks without requiring an annual fee. If you pay your credit card balance faithfully each month and are only rewarded with a good credit score, it may be time to shop around for a new card. Keep in mind that when you apply for a new credit card, your credit report takes a hit, so take your time researching and don’t apply for multiple cards.Bank AccountsAre you still paying minimum balance fees, monthly checking, or savings account fees? How about ATM or overdraft fees? Don’t! There are too many bank options these days competing for your business to still be paying multiple fees.What about interest rates? Is your money making money? The Federal Reserve recently raised interest rates, but the average savings account rate is still only 0.06%. If you’re not making at least that, it may be time to think about switching.Do you bank with a brick-and-mortar bank? How often do you actually go into one of their branches? If you think you can go without having an actual bank to walk into, consider switching to an online bank. Not only do online banks have minimal fees, they boast some of the highest interest rates around.E-Statements and Auto-PaySave a tree and lower your risk of identity theft by switching to receiving online statements only. If you prefer to have a paper copy, make sure you shred the statements before tossing them out.Consider switching to auto-pay whenever the option is offered. American households tend to have many different bills to pay all due at different times; it’s easy to accidentally overlook one. If you switch to an auto-pay billing option, payments are deducted automatically when they are due, so it’s one less thing to worry about. Just be sure to occasionally review your statements to ensure the right amounts are being deducted.2. TaxesYou most likely have already filed your taxes. Did you have to pay in or did you get a refund? If the outcome was not what you expected, it’s time to double-check your withholding allowance on your paychecks.We all want to lower our tax bill. Deductions can help, however, unless you pay to work closely with an accountant, how do you know what qualifies as a deduction?Some common tax deductions include:Dependent child credits,Mortgage interest and real estate taxes,Health insurance premiums,Student loan interest.Take a look at this article for some perhaps surprising tax deductions you should consider for next year: 9 Things You Didn’t Know Were Tax Deductions.3. BudgetWhen is the last time you sat down and wrote out a monthly budget? Do you know your debt-to-income ratio?A few years ago when I was in the market to buy a house, I opened an Excel spreadsheet and calculated what I spent on average each month compared to the income I bring in. Thankfully, Intuit recently introduce a new app, Turbo, which does this for you with ease. Generally, you want to aim to keep your debt-to-income ratio below 36% and mine was 53%. I had to make some changes. I tightened my budget (mainly by canceling cable TV and renegotiating my Internet bill) and paid off my auto loan. My ratio today is still a bit high, but it’s getting better.Going through the memberships and subscriptions you currently pay is a great way to quickly lower your debt-to-income ratio. Chances are you’ll find you are paying a monthly fee for something you seldom use, or at least can live without. Do you need both Netflix and Hulu? Both Spotify and iTunes Music? Both Blue Apron and Hello Fresh? Probably not.Print off the last two to three months of your credit card and bank account statements and go line-by-line to figure out a way you can save some money. Additionally, if you have a Mint account, log in and check out the Trends tab. You can view your spending and see where the majority of your money is going. You may be shocked at how much you spend within a certain category. It’s easy to just hand over your credit card, but actually seeing a graph of how much you spend can be a much needed wake-up call. From the Mint team: What’s Turbo and why are we talking about it?Turbo is part of the Intuit family of products, just like us. We work with Turbo, TurboTax and Quickbooks to get all our customers on the right track financially. While Mint provides free credit scores to our customers, Turbo combines the same score, plus other information like verified IRS filed income and debt to income ratio to create a broader financial health profile. Try out our sister app to see where you truly stand financially – beyond the credit score. Natasha Cornelius is a content manager and editor for Quotacy. She has worked in the life insurance industry since 2010, and has been making life insurance easier to understand with her writing since 2014. A long-time Mint user, Natasha loves making frugal fun by creating new DIY projects. Connect with her on LinkedIn. Mint may be compensated by some of the links that appear in this article. Our partners do not endorse, review or approve the content. Any links to Mint Partners were added after the creation of the posting. Mint Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedUsing Rebuilding Credit Cards to Rebuild Your Credit ScoreApril 20, 2018In “Credit Info”Why Credit History Matters and How to Help Grow ItAugust 9, 2018In “Credit Info”How to Know if a Card With an Annual Fee is Worth ItAugust 1, 2018In “Credit Info” Post navigation
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So far, 34 community forest concessions have been allocated in three provinces. All have been supported by international environmental NGOs or local civil society partners, as communities themselves simply do not have the financial resources or managerial know-how to complete the process on their own. The complexity of the process and the many intermediaries involved make it more difficult to ensure that community forestry initiatives uphold the interests of the people they are meant to benefit.There are at least nine proposed community forestry sites in North Kivu in the eastern part of DRC, but no titles have yet been awarded. Based on our experience there, we identified three prerequisites for community forestry success.1. Understand local community dynamicsIn a ramshackle classroom on the outskirts of Beni, we met with half a dozen village elders to discuss progress on their bid to establish and manage a community forestry concession. They have clearly been well-informed about the process by partner organizations, citing specific articles in the Forest Code. They also echoed what others in North Kivu told us: the law provides a welcome opportunity to secure land rights.However, the concept of secure land tenure is riddled with ambiguity. In densely-populated, multi-ethnic areas like North Kivu, defining who is and is not part of the community is not an easy task. Without proper oversight, community forestry concessions could be used to exclude vulnerable groups and exacerbate local tensions. This challenge is not unique to North Kivu; on a previous mission in Tshuapa province, when focus group participants were asked why they wanted to go through the community forestry application process, they responded, “to protect us from our neighbors.”NGOs supporting community forestry need to understand social dynamics and which actors are regarded as legitimate decision-makers and resources users. Creating detailed maps of social networks within and between neighboring communities and ensuring a robust process of free, prior and informed consent are first steps to building community trust.2. Clarify land and resource rightsThe demand for land in North Kivu presents a sharp contrast with the titles already awarded in Tshuapa province — where population density is much lower and migration less frequent — that are close to the maximum community forest size of 50,000 hectares. One contact noted that their proposed community forest is 2,600 hectares (6400 acres) for a population of roughly 7,600 people — an amount equal to about one-third of a hectare per person. There is not enough land to sustain traditional farming practices, and even customary land ownership is often disputed between village members and elites who sell land to outsiders such as artisanal loggers and miners.Participatory land-use mapping, in which communities create maps of their land and its boundaries and uses, is already required under the community forestry process. Groups assisting communities in this exercise should ensure that it identifies ownership and use rights, relationships between different resource users, and areas under dispute.3. Evaluate economic feasibilityCommunity forests in DRC can be managed for multiple purposes, notably small-scale logging, non-timber forest product harvesting, subsistence agriculture and conservation. While most people interviewed indicated that they would pursue small-scale economic projects as part of their activities within their community forest, conservation was also cited as a major objective.However, our discussions revealed that insufficient thought has been given to how these conservation activities or other small-scale projects will generate household earnings. Most communities and their supporters are focused on the first step: acquiring land rights. Yet for community forestry to ultimately be worth their time and effort and provide viable sources of income, economic studies must be carried out. Failure to do so could undermine the process.To address this gap, we recommend that groups supporting community forestry identify wealth creation opportunities or conduct feasibility assessments for different management options. Communities can then make informed decisions about opportunities and costs before they apply or adopt a particular management objective.Focus group on community rights and responsibilities in Tshuapa province’s Lomako Reserve. Photo by Theo Way Nana Hope for the FutureCommunity forestry has generated both excitement and skepticism. Time will tell if it is just a trend or part of a long-term solution to improve livelihoods while sustainably managing forests. One thing is clear: the opportunity for communities to legally have a say over what happens to their land is unprecedented and meaningful. Many Congolese and dedicated partners are forging ahead with the attitude that it is better to try — and stumble — than abandon the hope of taking control of the country’s amazing natural resource wealth even amid conflict and challenges. Lire cet article en françaisSupported by USAID’s Central Africa Regional Program for the Environment, WRI worked with the Democratic Republic of Congo’s (DRC) Ministry of Environment and Sustainable Development and other partners to pass community forestry legislation in 2016. Lauren Williams, Theodore Trefon and Theo Way ventured to North Kivu to see what people on the ground think about it.A bumpy landing on a once-paved airstrip welcomed us to Beni in the volatile province of North Kivu in the Democratic Republic of Congo. As we drove down a surprisingly well-paved, tree-lined road, we came face to face with something the region is better known for than forests and farmers: heavily-armored U.N. vehicles offered a harsh reminder of the DRC’s decades-long, low-intensity conflict between militias, rebels and the Congolese army.Against this ominous backdrop, we took stock of progress on what has the potential to be a more positive trend: legislation that allows communities to secure title to their forests.Community forestry has long been hailed as a strategy for reducing poverty and improving conservation by empowering communities to manage their forest resources directly, but it is a recent experiment for the DRC. In the two years since the country passed its community forestry legislation, WRI and local partners such as CODELT have rolled out a series of pragmatic tools and guidelines to help communities and authorities navigate the application process.Transportation in the Congo’s central basin is hampered by innumerable river-crossings like this one in Tshuapa province. Mobility and getting goods to and from markets is an overwhelming development challenge. Photo by Theodore Trefon