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One thing that can help stop the savings crisis in America

first_imgThe savings crisis is not waving the little white flag anytime soon. Americans face a barrage of financial obstacles in today’s economy: stagnant wages, low interest rates, and a painful absence of financial literacy. The situation is so dire many Americans believe they won’t ever be able to leave the workforce. They survive paycheck to paycheck. However, all hope is not lost. One simple maneuver is helping millions of working Americans save for their futures.In a perfect world, parents and the education system would teach personal finance to every boy and girl. Our children would grow up being taught good savings habits, applying those lessons throughout life to improve their financial situations. Unfortunately, reality is quite different. Many parents are afraid to talk about money, and while some schools are now teaching personal finance, bureaucracy hinders a more national impact. As a result, we’re left with a country filled of financial illiterates — where nearly half of Americans save virtually nothing.What’s the solution? Make saving money the default decision. When faced with a choice on a seemingly complex subject such as money, many individuals often take the default or “no decision” choice. In the case of voluntary savings plans, which requires participants to take action in order to save money, the “no decision” choice is a decision not to save. 401(k) plans are the most popular example. One quarter of employees don’t even save enough to receive the employer match, missing out on $24 billion of practically free money every year. continue reading » 27SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

USC’s schedule pays off for now

first_imgNo matter how hard Pete Carroll tries to turn the focus forward to the upcoming game against Washington, Saturday’s classic against Ohio State might be the only thing USC fans talk about for some time.The tilt between top-10 teams was a rarity on a number of levels.Earlier in the fall, Carroll mused on how few last-minute thrillers he had been involved in as a college coach. Redshirt sophomore linebacker Chris Galippo noted in the locker room after the game that it may have been the first instance of a close win that USC has experienced since he joined the team.But to the rest of the college football world, the primetime matchup was a ballad of a dying breed of intersectional regular-season games between top teams.There’s a simple reason why ESPN and ABC hyped the last two matchups between the Trojans and Buckeyes so heavily — top-tier non-conference games are an endangered species.Take a look at the non-conference schedules of the other top-five teams. Charleston Southern, Florida International and Louisiana-Monroe don’t exactly constitute a murderers’ row of opponents for powerhouse teams.With strength of schedule no longer a component of the Bowl Championship Series, most teams would prefer to pay a small directional school a hefty payday in exchange for an easy win. And with the rise of giant-killers like Boise State, Utah and BYU, few teams want to even take a risk in jeopardizing their postseason hopes by scheduling a solid opponent.San Jose State hardly made for a high-powered opener, but the Trojans still deserve credit for their courage in scheduling since Carroll’s arrival. USC is one of the few schools that has never played against a Division I Football Championship Subdivision (formerly known as Division-IAA) school. Moreover, the team has given its fans chances to see some of college football’s best and brightest, including then-powerhouses Kansas State, Auburn and Virginia Tech.And that annual date with Notre Dame has made for some fun games, too.“These difficult road games early in the year help make us,” Carroll said after Saturday’s win. “You build from there if you learn the lessons.”It’s easy to say that the high reward of scheduling tough out-of-conference opponents outweighs the high risk after USC came away with yet another critical road win. But if the Trojans’ final drive had stalled, most fans probably would be bemoaning the strategy and wishing that Cal Poly had come to town for a guaranteed win before conference play.And it’s not certain that the Trojans will parlay their success against Ohio State into wins in conference. The celebrations following last year’s romp against the Buckeyes were brought to a halt when Oregon State upended the Trojans the following Thursday.But Carroll’s condition of “if you can learn the lessons” is the key to the rest of the season and whether anything will grow from the team’s experience in the Midwest. The Trojans were outplayed for long stretches of the game and have plenty to take away from the game in ways to improve.How they respond to the flaws they showed Saturday will ultimately determine how far the Trojans can go during the rest of the season. The 2004 team took more than just a win away from its contest with Virginia Tech and only experienced a couple more close calls on their way to the national championship.But no matter how far USC goes from this point forward, fans should be grateful to the school and team for giving them arguably the most entertaining game of the last three and a half years.“This is the most intense college football game I’ve ever been a part of,” Galippo said.USC doesn’t look like it will be changing its scheduling philosophy anytime soon. Tennessee Athletic Director Mike Hamilton announced last week that his school had reached a verbal agreement with USC for a home-and-home in 2021 and 2022.To give you an idea of how far off that is, both Carroll and current Tennessee head coach Lane Kiffin could be long gone by the time that series comes to fruition — if it ever does. There’s no guarantee that both programs will still be competitive come kickoff. I will be 34 when the second game is played and the future USC student who will hold my current position at the Daily Trojan is probably only eight years old right now.But I’m sure we’ll both be watching the game.“Tackling Dummy” runs Tuesdays. To comment on this article, visit dailytrojan.com or email Michael at middlehu@usc.edu.last_img read more

Susan G. Komen Florida Names 2020 Warriors In Pink

first_imgSusan G. Komen Florida announced their 2020 Warriors in Pink on October 15, 2019 at the organization’s “Pink Flamingo Party” at the Palm Beach Zoo.  The festive atmosphere reflected the spirit of the nine chosen survivors and their passion for defeating breast cancer as ambassadors for Komen and the 2020 South Florida Race for the Cure on January 25, 2020 in Downtown West Palm Beach.The 2020 Warriors in Pink demonstrate the disease can strike anyone, regardless of family history, age, ethnicity, race or gender.  They will carry their message of breast cancer awareness to their own communities and take action collectively to create a groundswell of support in South Florida to help Komen reach its Bold Goal to reduce U.S. breast cancer deaths by 50% by 2026. The 2020 Komen Florida Warriors in Pink are:Kay Alvarez, age 43, West Palm BeachKay is a one-year survivor. Despite undergoing seven surgeries, Kay remained filled with determination, perseverance and persistence due to her family. Kay is determined to do her absolute best to raise awareness about early detection because that is what saved her. Tanya Burke, age 52, West Palm BeachTanya is a two-year survivor.  She found her breast cancer early thanks to a self-exam that detected a lump that was later diagnosed as Stage 1A triple negative breast cancer. As a single African American woman, she wants to set an example of looking within for inspiration and helping more women of color become visible in the fight. Heidi Kirk Garcia, age 50, JupiterHeidi is a four-year survivor.  She believes that early detection saved her life and stresses the importance of annual mammograms.  Heidi shares that breast cancer is a “family” diagnosis, crediting her loved ones for getting her through treatment, and also recognizes her fellow employees at NextEra Energy/FPL who share their breast cancer experiences and support each other daily. Denise Kaslow, age 57, Palm Beach GardensDenise is a 20-year survivor.  She has been involved with the Race for Cure for the past 21 years, serving as a Race team captain and repeatedly recognized as a top ten individual fundraiser.  She has also participated in the Susan G. Komen 3-Day Walk four times in cities across the U.S. She hopes that her support of Komen will be an inspiration to others so that one day there will be a world without breast cancer. Sabine Millien-Felix, age 58, West Palm BeachSabine is a survivor of less than one year.  She has vowed to assist other women going through breast cancer personally by reaching out to those paralyzed with fear who don’t know what to do—especially those in her Haitian community—as well as professionally by lending her guidance for working with insurance companies to get much needed treatments. Kim Brisky, age 57, Hobe SoundKim is a one-year+ survivor.  She was diagnosed on April Fool’s Day 2018.  The timing may have foreshadowed one of the important things Kim leaned on to get her through her journey: a sense of humor.  She hopes to pay forward the love and support she has been given by her family and co-workers by helping other patients through their journeys.center_img About Susan G. Komen®Susan G. Komen® is the world’s leading nonprofit breast cancer organization, working to save lives and end breast cancer forever. Komen has an unmatched, comprehensive 360-degree approach to fighting this disease across all fronts and supporting millions of people in the U.S. and in countries worldwide.  We advocate for patients, drive research breakthroughs, improve access to high-quality care, offer direct patient support and empower people with trustworthy information.  Born out of a promise between two sisters, Susan G. Komen remains committed to supporting those affected by breast cancer today, while tirelessly searching for tomorrow’s cures. Betsy Burden, age 59, Palm Beach GardensBetsy is a 13-year survivor.  As one of the founding members of the Christ Fellowship Cancer Support Group, Betsy comforts other cancer patients, and as the president of the Lighthouse Dragons Breast Cancer Survivor Dragon Boat Team, she offers survivors and their supporters the many benefits of healthy exercise and sisterhood camaraderie. Brie Pestano, age 34, Boynton BeachBrie is a two-year breast cancer survivor.  She wants to help other young breast cancer patients stay strong mentally as much as possible, believing a positive attitude is essential to overcoming the battle.  Brie is also determined to find a way to help create a network where women can share information that may help physicians and scientists determine the cause for the disease.The 2020 Warriors in Pink will share their experiences with the community throughout the year and have a special role at the Komen South Florida Race for the Cure on January 25th in Downtown West Palm Beach.  They will lead hundreds of survivors to the Meyer Amphitheatre stage during the Survivor Recognition Ceremony, where all will be recognized for their fight against breast cancer.  Following the ceremony, the Warriors will lead all survivors on the 5K walk along Flagler Drive.  They will follow a Ford pace car, the national supporter of the Warriors in Pink program devoted to recognizing women who live by the credo of taking charge, living out loud, harnessing power and standing together.“Our Warriors are an inspiration to all that we will not let breast cancer defeat us,” said Kate Watt, executive director of Komen Florida.  “They are helping us take the fight to every corner of our community to drive awareness and save lives because they know if it can happen to them, it can happen to anyone.”To learn more about the Race for the Cure and Warriors in Pink, visit https://komenflorida.org/2020-warriors-in-pink/.About Susan G. Komen® and Komen Florida: Komen Florida is helping fuel research, advocate for patients and support people facing breast cancer locally through a variety of direct patient-centered services and by collaborating with area providers to remove barriers and connect people to needed care across the state of Florida. For more information, call (561) 514-3020 or visit www.komenflorida.org. James Keegan, age 71, Palm CityJames is a six-year breast cancer survivor.  His mission is to raise awareness that men can also get breast cancer, encourage them to examine themselves and ask their physicians to examine their breasts during their annual physicals, and take action at the first sign of an issue.last_img read more

Tropical Storm Nestor forms in the Gulf

first_imgThe National Hurricane Center is reporting that the disturbance moving across the Gulf of Mexico has officially developed into a tropical Storm.At 1 pm, Nestor system was located about 195 miles south of the mouth of the Mississippi River.Tropical force winds and dangerous storm surge is expected along portions of the northern Gulf coast later today and into tonight.Conditions are expected to deteriorate Friday into early Saturday.Some rainfall is possible for our area.last_img

Authorities seek information in beating death of Fort Lauderdale man

first_imgThe Fort Lauderdale police department is currently searching for information in regards to the fatal beating of a 47-year-old local man.According to the report, authorities say Paulesky Mauney was dropped off at the Broward Health Medical Center on October 20th after being severely beaten.Mauney remained in the hospital for 10 days before he passed away as a result of his injuries.Investigators are asking for anyone with information about this incident to contact them at 954-493-TIPS.last_img read more

Experts: Trump Could Face Lengthy Audit for Florida Move

first_imgPresident Trump might not be able to change his primary residence to Palm Beach as quickly and easily as he had planned.According to tax lawyer Mark Klein, New York state officials are known for auditing wealthy residents who seek to make such moves to lower-tax states, in order to ensure they are real and not simply on paper.Klein explains, “New York says just because you fill out a piece of paper, that doesn’t make you a Floridian. People have this misunderstanding that if you go to Florida and fill out an affidavit, you register to vote and you get a driver’s license, that is all it takes.”Tax accountant Barry Horowitz says of Trump, “It’s 100 percent he’ll get audited. There’ll be a fight.” Such audits can last for years, Horowitz adds.The general rule to avoid paying New York taxes is to spend less than 184 days a year in the state. However, auditors and judges could examine where Trump’s business is headquartered (in Trump Tower), as well as the size of his various homes, where he displays his family photos and valuable artwork, among other things.Trump announced his intention to make Palm Beach his primary residency last Thursday, tweeting: New York Governor Andrew Cuomo responded:Good riddance.It’s not like @realDonaldTrump paid taxes here anyway… He’s all yours, Florida. https://t.co/9AX0q1aBkQ— Andrew Cuomo (@NYGovCuomo) November 1, 2019 Trump responded to both New York politicians on Friday with this tweet:…..with a President and Federal Government that wants our wonerful City and State to flourish and thrive. I Love New York!— Donald J. Trump (@realDonaldTrump) November 1, 2019 ….this decision, but in the end it will be best for all concerned. As President, I will always be there to help New York and the great people of New York. It will always have a special place in my heart!— Donald J. Trump (@realDonaldTrump) November 1, 2019 1600 Pennsylvania Avenue, the White House, is the place I have come to love and will stay for, hopefully, another 5 years as we MAKE AMERICA GREAT AGAIN, but my family and I will be making Palm Beach, Florida, our Permanent Residence. I cherish New York, and the people of…..— Donald J. Trump (@realDonaldTrump) November 1, 2019 Don’t let the door hit you on the way out or whatever. https://t.co/bLu88AzKVf— Mayor Bill de Blasio (@NYCMayor) November 1, 2019 ….in New York, and another reason they are leaving. Taxes and energy costs are way too high, Upstate is being allowed to die as other nearby states frack & drill for Gold (oil) while reducing taxes & creating jobs by the thousands. NYC is getting dirty & unsafe again, as….— Donald J. Trump (@realDonaldTrump) November 1, 2019 New York City Mayor Bill de Blasio also chimed in, tweeting:Our deepest condolences to the good people of Florida as Trump attempts to outrun his past (and near future). https://t.co/QFqeYO7xTq— Mayor Bill de Blasio (@NYCMayor) November 1, 2019 In New York, the President is paying a top marginal tax rate to the city and state that adds up to a total of 12.7 percent. A tax overhaul which was implemented in 2017 means he can no longer deduct most of those state and local taxes from his federal return.In Florida, Trump would pay zero income taxes as well as zero estate taxes.last_img read more

Lawsuit Claims Funeral Home Left Girl’s Body to Decompose

first_imgA Riviera Beach funeral home is facing a multi-million dollar lawsuit, after a family claims the business failed to preserve an 11-year-old girl’s body.The family of Re’Asia Washington claims they noticed her body was decomposed and nearly unrecognizable leading up to her memorial service.“My daughter was deteriorated beyond recognition, her skin has come off her body,” says Ebony Morgan, Re’Asia’s mother.The fifth-grader died on Jan. 22 after suffering an asthma attack while in Georgia.Morgan hired Shawn Johnson Funeral and Cremation Services to handle the arrangements.However, “When I saw her face, it looked like someone had threw acid on her face, or she was pushed into a fire and just left to burn,” Morgan explains. She adds that her daughter’s scalp appeared to be coming off the girl’s head.In the lawsuit, which was filed by Tayson Gaines with the Palm Beach County-based Gaines Firm, the family alleges a breach of contract with the funeral home, fraudulent misrepresentation, negligence, negligent infliction of emotional distress, deceptive and unfair trade practices, and conspiracy.The family has also filed a complaint with the Florida Department of Financial Services’ Division of Funeral, Cemetery and Consumer Services, according to Pierre Ifill, Re’Asia’s uncle and an attorney who is helping Gaines with the lawsuit.“What we got was a mummified body that was not presentable for a service. What we got was excuses,” Ifill says. “That’s not acceptable.”On Jan. 24, an employee of the funeral home transported Re’Asia’s body to Florida from Georgia without embalming or refrigerating it.The funeral home also lacked the disposition permit that is required by Georgia law to move a body across state lines.On Jan. 31, Shawn Johnson allegedly refused to allow Ebony Morgan to see her daughter’s body. Johnson refused again on Feb. 5 and 6.However, Morgan paid Johnson $3,055 on Feb 4.After Johnson refused to allow Morgan to see the body on Feb. 6, Morgan contacted state officials to inquire about her rights to see her daughter’s body at the funeral home, and was told she could.Later that day, Morgan visited the funeral home with a police escort. A few hours later, Johnson returned to the funeral home and rolled Re’Asia’s body into the office. She allowed Morgan and her sister to only see the girl’s face and hand.When Morgan’s sister began taking photos of the body, Johnson reportedly threatened to sue if she showed them to other people.On Feb. 7, Morgan informed Johnson that she was planning to pick up the body. Johnson claimed that it was in a Fort Lauderdale morgue. However, the morgue claims that it does not have a contract with the funeral home.“We have not heard one apology” from the funeral home or anyone associated with the business, Ifill states.The family says it had to cancel Re’Asia’s viewing due to what happened.Morgan and Re’Asia’s father, Reginald Washington, are now seeking $10 million in damages from the funeral home, its three managers — Shandelrio “Shawn” Johnson, Ronald Warnecke and Alterraon Phillips — and the funeral home’s embalmer, Adrienne Leger.last_img read more