Fellman: “You have to look at the age of the child, and get appropriate toys for the child and their ages and what their development is. For instance, 1-3 year-old kids like to jump, and run, and walk, stuff like that, so soft blocks, large blocks, pushing toys, those types things. 3-5 year-old kids like to use their imagination, so art supplies, teddy bears, dolls, outdoor things, maybe a sled, that type thing, just remember to get a winter helmet if you’re going to be sledding with them.” After the presents are unwrapped, Fellman says parents need to check the toys for small items that could become a choking hazard. FacebookTwitterEmailPrintFriendly分享As you put those finishing touches on your Christmas gifts, or perhaps race out for just a few more, Jane Fellman with Safe Kids Kenai Peninsula is encouraging adults to shop carefully… She urges parents to read labels before gifting any toys.
Molynes United President Herman Cruickshank has called for a subsidy by organisers of the Red Stripe Premier League (RSPL) to aid less financially endowed teams when the new season starts.Molynes were promoted to top-flight football in the 2019-20 season, which was then ruled null and void by the Jamaica Football Federation (JFF) because of the COVID-19 pandemic.The team had been undertaking a number of projects to achieve stability and remain one of the RSPL’s 12 teams for many seasons. This includes the refurbishing of its home base, Jasicera Park.However, with games to return during a pandemic, it is highly likely that there will be no lifting of the government ban on mass gatherings, including spectators at sporting events. This has consequences on the club’s revenue, especially from gate receipts and concessions.“It’s going to be very expensive, I know,” Cruickshank told The Gleaner. “But we still have to plan. “It’s going to be a rough season, let’s not fool ourselves. We were trying to go fan-based. We wanted our fans to buy into the club and to pay entry fees, and we could give them a discount. But with the possibility of fans not being able to come to the game, we might have to rethink that strategy. SUBSIDY PROGRAMME “But maybe the authority should put together a subsidy programme, because if you play a game and there’s no spectator, you may lose half a million dollars or more, so maybe some form of subsidy could work, or they could sell the sponsors some advertisements with banners on the stands, like what they do in the English Premier League.“It’s going to take a lot of planning but it can work, because I think, as it is now, the players are hungry for the football, and the country itself also needs something.”JFF General Secretary Dalton Wint said that the body is aware of the hardships clubs are expected to face, but refused to give details on what is being planned to address it.“All of those things are being discussed but I can’t comment on them,” he said. “It would be premature for me to provide a response about that, but everything is being discussed, everything is on the table.”The RSPL’s organising body, the Premier League Clubs Association, is reportedly set for a restructuring and renaming, and meetings are now under way to address how it will function going forward and the policies to be put in place to protect its clubs’ interests. [email protected]
Almost every New Year, money-related goals rank near the top of resolution lists, right alongside “eat healthier.”The struggle is real. Many try to save money — at least for a few weeks — by bringing a sack lunch to work, driving past their fancy coffee shop or ignoring enticing emails of storewide clearance sales.USAA Bank surveyed people of all ages and income levels about how they save money and find extra cash in a pinch. Though many respondents said they are trying to save, most expressed difficulty doing so.“Savings are typically based on life stages. Those who are just starting out are saving for a major purchase, such as a car or home. If you’re older you’re more focused on retirement,” says Mikel Van Cleve, director of personal finance advice at USAA.As expected, USAA’s research found a person’s ability to save largely depends on their age and household income. Older Americans and those with greater incomes use their savings to cover unexpected expenses and save for retirement.Those with household incomes less than $35,000 are significantly more likely to say they’re not able to save regularly. To be sure, economists say slower income growth in the last decade also may have contributed to inadequate savings levels.When asked how they cover unexpected expenses, most respondents reported taking money out of a savings account. However, nearly half of respondents seek out additional work; 35 percent have been compelled to borrow money from family and friends; 23 percent have sold personal items and 8 percent have taken out a payday loan.More than half of American households have less than one month of income available in readily accessible savings to use in case of an emergency, according to a new report from the Pew Charitable Trusts.Household Saving Rate in the United States increased to 5.6 percent in October from 5.3 percent in September of 2015, the highest since December 2012, according to the U.S. Bureau of Economic Analysis. Personal Savings in the United States averaged 8.36 percent from 1959 until 2015, reaching an all-time high of 17 percent in May of 1975 and a record low of 1.90 percent in July of 2005.The good news is that eliminating the occasional grande macchiato and ignoring a swanky handbag that’s finally 50 percent off, might not be necessary or most effective. JJ Montanaro, CERTIFIED FINANCIAL PLANNER (TM) at USAA, said there’s a better way to save.He offers a few simple strategies to try in 2016:* Review routine bills and compare service providers. Look for ways of reducing fees and costs.* Look into refinancing your mortgage or auto loan — you may qualify for a lower rate. It doesn’t hurt to ask.* Find the right credit card. Look for a card with a low interest rate or cash-back rewards.* Trade down to a less expensive car. We often spend more on transportation than necessary.“Most people think that in order to make a dent in their savings, they have to cut out all unnecessary daily expenses like trips to the coffee shop, but there are other ways to help you save more and reduce annual spending,” Montanaro said.Brandpointcontent.com