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Garda Inspector says he hopes missing man is found safe and well

first_imgA Garda Inspector has said he hopes a missing Letterkenny man is found safe and well.Inspector Seamus McGonigle made his comments at Falcarragh District Court during the case of Matthew Lafferty.The 27-year-old has been missing since last Sunday when he was last seen on CCTV outside a hotel in Sligo. He has since made contact with his family but they are still unsure of his whereabouts.Mr Lafferty was due to be in court facing alleged in insurance charges.His solicitor Patsy Gallagher said “Matthew has been in the local media in recent days because we are not sure of his whereabouts and his family are very worried.”Judge Paul Kelly said that in the circumstances he would not issue a bench warrant. Garda Inspector says he hopes missing man is found safe and well was last modified: September 19th, 2019 by Staff WriterShare this:Click 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 share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:courtdonegalMatthew Laffertymissinglast_img read more

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Chelsea v Newcastle line-ups: Cahill left out, Blues trio return, three Magpies changes

first_imgGary Cahill has been left out of the Chelsea starting line-up for the game at Stamford Bridge, where Eden Hazard, Cesar Azpilicueta and the fit-again Victor Moses return to the side.Azpilicueta, rested along with Hazard against Swansea in midweek, captains the team.Antonio Rudiger stays in – and there is also a starting place for Danny Drinkwater.As well as Cahill, Pedro, Willian and Davide Zappacosta drop to the bench, where they are joined by Michy Batshuayi, who is back in the squad after injury.Newcastle, meanwhile, make three changes, with Javier Manquillo, Dwight Gayle and Mo Diame coming into their starting line-up.The Magpies are without Jamaal Lascelles, Paul Dummett and former Chelsea man Christian Atsu.Chelsea: Courtois; Azpilicueta, Christensen, Rudiger; Moses, Kante, Drinkwater, Fabregas, Alonso; Hazard, Morata. Subs: Caballero, Zappacosta, Cahill, Willian, Bakayoko, Pedro, Batshuayi.Newcastle: Darlow, Manquillo, Clark, Lejeune, Mbemba, Ritchie, Merino, Diame, Murphy, Perez, Gayle. Subs: Elliot, Yedlin, Hayden, Shelvey, Joselu, Mitrovic, Aarons. Follow West London Sport on TwitterFind us on Facebooklast_img read more

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Measuring Your Financial Health

first_imgCurrent ratio. The current ratio refers to your ability to meet short-term liabilities which include all of your debt repayments to be made in the current year. CURRENT RATIO = CASH OR CASH EQUIVALENTS/SHORT TERM LIABILITIES Asset-to-debt ratio. This ratio compares your assets to your total existing liabilities. Liabilities include home loans, car loans, credit card debt, etc. It is always desirable to possess more assets than debt. To calculate this ratio: ASSET-TO-DEBT RATIO = TOTAL ASSETS / TOTAL LIABILITIES Solvency ratio. This ratio refers to your ability to repay all existing debts using your assets in the case of an emergency. You may wish to use a net worth calculator prior to calculating this ratio. SOLVENCY RATIO = NET WORTH/TOTAL ASSETSDo not worry if these ratios seem complicated. There are numerous resources available to you that can help you to understand what each of these ratios mean. What is important is that you are aware of what you need to be considering when measuring your financial health!Being aware of your financial health will help you to meet your short-term and long-term financial goals while avoiding unreasonable amounts of debt. Financial experts recommend calculating your financial ratios on a yearly basis and making any adjustments to your spending and saving patterns that you deem necessary.Contact Jennifer at jhunter@uky.edu Saving ratio. The saving ratio is perhaps the easiest to calculate and will provide you with insight as to how well your finances are managed and how likely it is that you can achieve your saving goals. SAVING RATIO = MONTHLY SURPLUS / MONTHLY INCOMEcenter_img By Kristyn Jackson, LMFT and Jennifer Hunter, Ph.D., University of Kentucky Cooperative Extension ServiceHave you ever heard someone discussing their “financial health?” Financial health refers to how well you are doing financially and is based on a number of factors. Much like you go to your family doctor for yearly check-ups, it is a good idea to perform a financial check-up from time to time.Unfortunately, many families often find it overwhelming to measure their financial health because of all of the factors included. What further complicates measuring your financial health is the fact that financial advisors and firms often recommend different ways of doing so. You can use more subjective measures of financial health such as your personal satisfaction with your financial status, the amount of financial stress you experience, and how financially independent you feel. However, you can also measure your financial health through more concrete measures.Capt. Pedro Rodriguez gives two thumbs up while running the 26.2 mile course of the Marine Corps Marathon Forward. Photo by Sgt. Bobby J. YarbroughProvided below is an overview of the various measures that a financial advisor may suggest calculating in order to measure your financial health. It is a good idea to calculate these values on a fairly regular basis, such as the beginning of a new year. If you have questions, do not be afraid to reach out to a professional advisor who can answer them.Liquidity ratio. Liquidity ratio refers to your ability to meet your necessary expenses when you are faced with an emergency such as an unexpected home repair or medical bill. It is recommended that you keep a 3 to 6 month emergency fund, meaning that an ideal ratio is between 3 and 6. To calculate this ratio: LIQUIDITY RATIO = CASH OR CASH EQUIVALENTS ON HAND / MONTHLY COMMITTED EXPENSES Debt-service ratio. This ratio refers to the percentage of your income that is designated to debt repayment and the percentage of income remaining for other mandatory household expenses and savings. Lower ratios represent better financial management. DEBT SERVICE RATIO = SHORT TERM LIABILITIES / TOTAL INCOMElast_img read more

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This Might Be A Perfect Description Of What Jim Harbaugh Looks Like

first_imgHead coach Jim Harbaugh of the Michigan Wolverines gathers his team before the start of the game.ARLINGTON, TX – SEPTEMBER 02: Head coach Jim Harbaugh of the Michigan Wolverines watches his team warm up before the game against the Florida Gators at AT&T Stadium on September 2, 2017 in Arlington, Texas. (Photo by Ronald Martinez/Getty Images)The best bit in sports radio is The Dan Le Batard Show With Stugotz‘s “What He Looks Like Game.” Le Batard, Stugotz and Co., with the help of their listeners, try to come up with perfect descriptions of what people in sports look like. Some examples:Paxton Lynch looks like the old school Tampa Bay Buccaneers logo.Vin Scully looks like the one real human in a Disney movie filled with animated talking animals.Dan Gilbert looks like the guy who shaves in the locker room mirror at the gym while totally nude.They’ve come up with one for Jim Harbaugh and, Ohio State fans, it’s pretty perfect, right?Jim Harbaugh looks like the guy who yells at his wife in front of everyone when they lose at Pictionary on gamenight pic.twitter.com/Whz6ERQVAI— What He Looks Like (@WhatHeLooksLike) May 8, 2016He totally does.last_img read more

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Committee looks at ways to help communities on financial track

first_imgTodd Lamirande APTN National News142 First Nations are in some type of default management.That includes co-managers or third party management.A House of Commons committee is currently looking at preventing communities from going into default.tlamirande@aptn.calast_img

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Time for change on harassment including on Parliament Hill minister

first_imgOTTAWA – There is nothing new about sexual harassment on Parliament Hill, says Employment Minister Patty Hajdu, but it is time to get serious about supporting its victims and stopping it from happening in the first place.“We talk a lot about getting women into politics and if we can’t actually protect the women staffers in our own workplaces, we have a long ways to go,” the Liberal minister said Monday after she opened the debate on proposed legislation to support safe federal workplaces.“This isn’t something that’s a brand new phenomenon,” she told a news conference. “What we’re saying is actually what women have been saying, which is ‘time’s up,’ that it’s time to take action, and that we have the tools to do so.”The legislation, introduced last fall, is aimed at giving workers and employers a clear course of action to better deal with allegations of bullying, harassment and sexual misconduct.Later Monday, MPs agreed with a motion tabled by NDP House leader Ruth Ellen Brosseau to fast-track the legislation, known as Bill C-65, sending it straight to the House of Commons human resources committee for further study.The proposed changes would merge separate labour standards for sexual harassment and violence, subjecting them to the same scrutiny and dispute resolution process, which could mean bringing in an outside investigator to review allegations.The proposed rules, which also apply to banks, transportation, telecommunications and other federally regulated industries, would enforce strict privacy rules to protect victims of harassment or violence.Once passed, the legislation would also allow anyone unhappy with how a dispute is being handled to complain to the labour minister, who could step in to investigate and order sanctions for employers.The new rules would also — for the first time — bring parliamentary staff under the protection of the Canada Labour Code.Staffers would also have access to a neutral third party to examine their complaints, so that they are not forced to rely upon the MP or senator who employs them, especially if that person is also the alleged abuser.That aspect of the legislation has taken on increased significance as the #MeToo movement has reached Parliament Hill, including allegations against Liberal MP Kent Hehr, who resigned from cabinet last week pending an investigation.Last week also saw Patrick Brown step down as leader of the Ontario Progressive Conservatives, months ahead of a provincial election, following a CTV News report that included an allegation of sexual misconduct stemming from his time as a Conservative MP.And then Monday, a report by Maclean’s magazine said the federal Conservative party was aware of an allegation of sexual assault against former Ontario MP Rick Dykstra, yet allowed him to remain on the ballot in the 2015 campaign.Dykstra, who left his post as president of the Ontario Progressive Conservatives over the weekend, has not returned a request for comment.The Liberals asked the opposition parties for the debate on Bill C-65 last week, before the allegations against Brown came to light.“It’s a culture where people who are victims of harassment or sexual violence do not feel safe to bring those complaints forward,” Hajdu said Monday in the House of Commons.Conservative MP Michelle Rempel responded with an impassioned speech on how what life can be like for women on the Hill, where many influential people, often with big egos, work long hours with others in precarious positions.She added that “for all the talk of feminism,” women at all levels are still used as “photo op props” and remain vulnerable to abuse.“We are still given hugs and cheek kisses that linger a bit too long,” she said. “To fit in, we still laugh at the lewd jokes and maybe even tell one ourselves, to be considered safe to socialize with and one of the boys.”She said women are shamed for standing up for themselves as well as for choosing to stay silent.“These things are used to control us, to demean us, and to silence us.”Rempel urged everyone who witnesses harassment to speak up, rather than forcing victims to do it themselves.“We cannot be bystanders any longer,” she said, calling on the government to require everyone — from volunteers and interns to MPs and ministers — to take training on how to prevent sexual harassment from happening in the first place.Of the report on how her own party handled allegations against Dykstra, she said: “Those people should be ashamed of themselves.”— Follow @smithjoanna on Twitterlast_img read more

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Swiss giant Novartis to buy USbased AveXis in 87B deal

first_imgGENEVA – Swiss pharmaceuticals giant Novartis says it has agreed to buy the U.S.-based gene therapy company AveXis Inc. for $8.7 billion, part of its goal to become a leader in the treatment of neurodegenerative diseases.The two companies say their respective boards have voted unanimously to approve the deal, to be paid for through cash and short-term borrowing.The tender offer for $218 per share announced Monday marks a whopping 88 per cent premium from AveXis’ closing price in Nasdaq trading on Friday.Basel, Switzerland-based Novartis called the deal set to close in mid-2018 a “financially attractive acquisition with multi-billion dollar peak sales potential” even if it isn’t expected to add to core operating income until 2020.The lead AveXis gene therapy candidate is for spinal muscular atrophy Type 1, which Novartis called the top genetic cause of death in infants, in which “nine out of 10 infants do not live to their second birthday or are permanently ventilator dependent.”The top executive for Novartis Pharmaceuticals, Paul Hudson, said the deal to bring in AveXis “would support both our ambition to be a leader in neurodegenerative diseases and our Neuroscience franchise priorities to strengthen our position in devastating pediatric neurological diseases such as SMA.”last_img read more

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Second Cup franchisees file lawsuit against coffee chain over debt ad fund

first_imgMONTREAL — A group of current and past Second Cup Ltd. franchisees has filed a lawsuit against the Canadian coffee chain.The suit filed earlier this month in the Superior Court of Quebec alleges the company misused a franchisee-funded advertising reserve and forced franchisees to acquire debt to fund equipment that failed to boost sales — among other things.None of the claims have been proven in court.The suit stems from an original claim by one Second Cup franchisee against the company that eight other franchisees later asked to join.Second Cup filed a document last week arguing the additional plaintiffs should be treated separately from the first claim as “each claim is extremely fact-specific.”The coffee chain and its lawyer declined to comment.A company spokesperson said the company does not comment on active court matters, particularly if they are at a very early stage of the proceedings. Companies in this story: (TSX:SCU)The Canadian Presslast_img read more

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MLAs daughter delivers Mothers Day gifts to local seniors

first_img“I was riding by the hospital recently and saw a bunch of seniors out front of the care centre, they were so nice and friendly, I just felt I wanted to do something nice for them,” said Davies. FORT ST. JOHN, B.C. – The ladies residing at Peace Villa and Abbeyfield House each received a carnation, chocolate and a card on Mother’s Day after the daughter of Peace River North MLA Dan Davies came up with the idea of doing something nice for local seniors.Bert Bowes Grade 7 student Hana Davies said she thought of the idea of giving the gifts last week. Dan Davies said his daughter got permission from the two care centres, did a budget, and got Inland Concrete to sponsor the gifts. Davies hand-delivered the surprise gifts to the residents of the two facilities at lunch time on Mother’s Day.Hana Davies handing a flower and card to Peace Villa resident Debbie Simons. Supplied photo.last_img read more

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Carr says he expected in April Canada was going to have to

first_imgHe threw back his head and laughed.“Pipeline politics are not straight,” Carr said as he regained his composure. “So what you may think on Monday can be completely different by Friday. And then you may get the weekend to think about it and reflect and then the following Monday is completely different.”The Trans Mountain expansion will build a new pipeline roughly parallel to the existing, 1,150-km line that carries refined and unrefined oil products from the Edmonton area to Burnaby, B.C. It will nearly triple the capacity to 890,000 barrels a day. It is the only pipeline carrying Alberta crude to the West Coast and the hope is that most of the oil will end up in tankers bound for Asia.Ottawa approved it in November 2016 and the B.C. Liberal government followed suit two months later. But four months later, the provincial Liberals were replaced by NDP Premier John Horgan, who has a coalition of sorts with the Greens, with an agreement to oppose the expansion in every way possible. OTTAWA, O.N. – Natural Resources Minister Jim Carr says he knew almost the moment he heard Kinder Morgan was pressing the pause button on the Trans Mountain pipeline expansion on April 8 that the federal government was likely going to have to buy the whole thing.Although the final decision to purchase took more than seven weeks of secret negotiations with the company _ many of which even Carr was not in on as they were handled by Finance Minister Bill Morneau and a very small team of finance officials _ Carr says when he got a phone call in his hotel room during a business trip to New York City he knew what the final outcome was likely to be.“When that phone call came, I knew that there was a reasonable chance that they would pull out and at the same time there was a possibility Canada would step in,” Carr said. Carr says he wasn’t really expecting the April announcement that Kinder Morgan was halting all non-essential spending on the project pending proof from the federal government the political risks to the project had been erased. However, he was well aware Kinder Morgan was getting “skittish” because of the B.C. government’s threats to stop the pipeline.Carr met Kinder Morgan president Ian Anderson a month earlier. Lobbying reports say Carr or his chief of staff met Anderson nine times in the previous year. In the 12 months leading up to the decision to hit pause, Anderson had 23 meetings with members of cabinet, deputy ministers, policy directors, chiefs of staff in finance, environment and natural resources, and the prime minister’s office.“We were following it very carefully and we were in continuous conversation with senior executives at Kinder Morgan, but it was not clear until that Saturday that their board had actually made a decision to establish the deadline,” said Carr.Carr, 66, is normally very measured and careful in interviews. He has been in and around politics almost all of his adult life and is skilled at delivering guarded messages.But he can occasionally be caught off guard.It happened last week when during an interview with The Canadian Press, he was asked if when he became the minister of natural resources on Nov. 4, 2015, he had any inkling that he’d eventually become the de facto owner of a pipeline.center_img Conservative party Leader Andrew Scheer believes Horgan’s election in May 2017 should have sent the Liberals into overdrive on the expansion. He says legislation to confirm federal jurisdiction should have come last summer.But Carr says federal jurisdiction was never in doubt and Horgan was never really clear what he was going to do, which meant Ottawa was at a loss about how to soothe Kinder Morgan’s nerves.“It was elusive because (B.C.) hadn’t done anything concrete,” said Carr. “They had talked about their opposition and then they began to talk about framing questions to courts, but we didn’t know which courts.”It wasn’t actually until the end of April that Horgan filed his court challenge over jurisdiction, several weeks after his threats caused Kinder Morgan to hit the brakes. By then, Carr acknowledges, the reality that Canada was going to have to buy it to build it, was already sinking in.At a parliamentary committee last week, Conservative natural resources critic Shannon Stubbs tried to get Carr to explain how buying the pipeline had changed anything and she remains unconvinced it has accomplished much.The actual sale won’t happen until later this summer after Kinder Morgan shareholders vote on the deal. For now, Kinder Morgan is still in charge. In the month since the purchase announcement, B.C. government records show the company hasn’t applied for a single new permit. It needs more than 1,100 construction permits and has applied for 756. B.C. has only approved 221, one more than was approved as of May 29.Still, Carr says he is not lying awake at night worrying about when the digging is going to start.“We expect before too long, within weeks rather than months, that there will be much more construction than there has been,” he said.(THE CANADIAN PRESS)last_img read more

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