Women missing out on investment opportunities

Facebook LinkedIn Twitter ISS to boost Canadian board diversity benchmarks Related news Where’s the gender diversity on smaller boards? Keywords Women Macklem points to child care, education to help ease protracted employment recovery The bank says it’s not surprising that women, on average, tend to own fewer financial products than men, “as this ultimately reflects structural differences in their professional careers.” It points to lower labour force participation and higher part-time employment for women, coupled with the fact that women, on average, earn lower incomes, which, it says, “simply translates into lower chances of building up financial assets during their working lives.” Not only do these factors restrict women’s opportunities to accumulate wealth during their working lives, “but they also tend to go hand in hand with lower entitlements in the statutory pension scheme,” it says. And, it notes that low income in old age is a particular problem for women, given their statistically higher life expectancy “combined with the risk of being alone and in need of care when growing old.” “Against this backdrop, there is a particular need for informed investment strategies for women,” it says. However, it also notes that what’s needed is individual solutions, “as the question as to whether certain financial products are suitable should not depend on whether a person is male or female but rather on existing wealth structures, individual preferences regarding yields and risks and the time horizon for the investments.” There’s a notable gap between men and women when it comes to their use of financial products, particularly investments, reports Deutsche Bank Research reports, and this leaves women at particular risk for insufficient retirement income. Based on Eurobarometer survey data, the firm says that the gender gap in financial product usage is most pronounced for investment products, such as stocks, bonds and investment funds. The women surveyed say they own shares or bonds at less than two-thirds the rate of men; and, they report owning investment funds at just over half the rate of men. Also, only 3% of female respondents had bought shares or bonds in the previous five years (2006-2011), compared with 6% of the men questioned. Share this article and your comments with peers on social media James Langton read more

Education Ministry Seeking Additional Funds for SLB

first_imgRelatedEducation Ministry Seeking Additional Funds for SLB Advertisements Education Ministry Seeking Additional Funds for SLB EducationAugust 21, 2012 FacebookTwitterWhatsAppEmail The Ministry of Education is moving to secure additional funds for the Students Loan Bureau (SLB), Portfolio Minister, Rev. the Hon. Ronald Thwaites, has disclosed. This forms part of efforts aimed at accommodating as many of the applications received from students attending tertiary institutions, as is possible, in order to enable them to finance their tuition costs. Rev. Thwaites informed that officers of the Ministry are currently engaged in dialogue with representatives of commercial banks and other financial institutions “to try and attract private capital into the (tertiary education) system.” Addressing the Northern Caribbean University’s (NCU) colloquium, at its main campus in Mandeville, Manchester, on August 20, Rev. Thwaites pointed out that the initiative comes against the background of depletion of the SLB finances, consequent on the reported high rate of delinquency among borrowers. “The Students Loan Bureau does good work, but the terms and conditions on which it has been funded exclude too many. And regretfully, even those 10,000 or 12,000 applicants who are (approved) each year…a high percentage of them do not honour their obligations. Therefore, the heavy level of delinquency depletes those capital funds and prevents them from revolving, to the detriment of newcomers into the loan scheme,” the Minister pointed out. Noting that the procurement of additional funds is being undertaken “with great difficulty,” Rev. Thwaites stressed the need for the SLB’s clients to fulfill their obligations to the institution.     “The task of transforming education in Jamaica has to speak to this issue. If you borrow…in order to further your own education, you must be enjoined to pay it back. We will have to strengthen the (regulations) to ensure that students meet their obligations. This is something that will not be necessarily pleasant. It will be constraining, but it is absolutely necessary,” the Minister emphasised. Meanwhile, Rev. Thwaites said the Ministry is exploring the possibility of lowering the interest rate on student loans, which according to the SLB website is currently at nine per cent. Additionally, he advised that efforts will also be made to link loan repayments to the “employment prospects” of the students after graduation. The University’s colloquium, held under the theme: ‘The Relevance of Seventh-Day Adventist Higher Education in Today’s Global Environment’, was convened to unveil and discuss plans for the institution’s expansion and development. Over 100 delegates and guests attended the two-day seminar, which ended Tuesday August 21st, 2012.center_img RelatedEducation Ministry Seeking Additional Funds for SLB RelatedEducation Ministry Seeking Additional Funds for SLBlast_img read more

Stevely named top player in Private-Parochial League

first_img Print This Post By Paul Cifonelli on December 3, 2020No Comment Stevely named top player in Private-Parochial League added by Paul Cifonelli on December 3, 2020View all posts by Paul Cifonelli →FacebookTwitter分享by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksSponsor ContentAirPhysioThis All-Natural “Lung Cleaning” Device Helps Anyone Breathe EasierAirPhysioCosmoWomensTop 30 Most Beautiful Women in the WorldCosmoWomensTop Expat InsuranceExpat Living in Hong Kong without Health Insurance?Top Expat Insuranceby Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksMore from Pickin’ SplintersBaron keeps Bonaventure close to his heart – Pickin’ SplintersTah-Jae Hill, Zion Morrison and the Starting Five – Pickin’ Splinters”If you had a Mount Rushmore of MCC baseball, he’s on there.” Longtime assistant Jack Christensen passes away – Pickin’ Splinters Stevely named top player in Private-Parochial League Add to Google+ Subscribe by Email Connect on Linked incenter_img Follow on Facebook Leave a Reply Cancel ReplyYour email address will not be published. Share on Facebook Private-Parochial Leage Player of the Year Evan Stevely (9) finished with 28 goals and nine assists on the season. (Photo: NORMAN STREHLE)By PAUL CIFONELLIEvan Stevely was named the Private-Parochial League Player of the Year in his senior season, the second time in a row he garnered the award. The senior attack paced the league netting 28 goals and led Bishop Kearney to the Class B2 finals for the second consecutive year. Stevely had six assists to go with his 28 tallies, giving him a league-leading 62 points on the season.Casey O’Gara, Josh Vogt and Matt Tierney joined their teammate on the Private-Parochial League First Team. O’Gara was the Kings’ leader in assists with 10. He also pitched in 13 goals. Tierney added two goals and four helpers, while Vogt didn’t produce any counting stats.Bishop Kearney also had four players make Second Team – Luke Tytler, Ben Tantalo, Joey Triassi and Nick Chovaniec. Tytler was second on Bishop Kearney with seven helpers. He also found the back of the net four times. Tantalo scored once and had an assist, Triassi contributed one helper and Chovaniec aided on two goals.C.G. Finney placed four players on the Private-Parochial League First Team. Connor Torrell, Matt Torrell, Matt Maglioto and James Sidorishin represented the Falcons on the team. Matt Torrell led the team with 21 goals and also pitched in three assists. Connor Torrell was second in goals with 10 and tied for the team lead in assists with five. Maglioto tied Connor with five assists. Sidorshin netted three goals and was credited with the assist on four Falcon goals.Octavio Gafell, David Crandall and Nick Pasquentonio are C.G. Finney’s three Second Team nominees. Gafell was third on the team with four tallies and also had two assists. Both Crandall and Pasquentonio are backs and didn’t score or assist on any goals this season.Northstar Christian’s Jerry Miller and Hugo Laczny both were named to the Private-Parochial League First Team. Miller paced the Knights in both goals and assists, scoring nine time and assisting on eight tallies. Laczny finished second in both categories with five goals and four assists.The Knights, similar to C.G. Finney, had three players on the Second Team. Eli Sluk didn’t have any counting stats, Josiah Zeafla pitched in three goals and an assist and Ryan Hoffman had both a goal and assist on the season.Rochester Academy Charter had one player named to the Private-Parochial League First Team and one to the Second Team. Antonio Rodriguez, the team’s goalkeeper, was named to the First Team, while Hassan Muhid earned the Second Team honor. This site uses Akismet to reduce spam. Learn how your comment data is processed.last_img read more

Launch of New Literary Award by Kirroughtree House

first_imgAddThis Sharing ButtonsShare to FacebookFacebookFacebookShare to TwitterTwitterTwitterShare to LinkedInLinkedInLinkedInThe rich historical and literary heritage of a period house in south west Scotland has inspired the current owner to launch an initiative to encourage a new generation of writing talent. Retired engineer Malcolm Deeks began researching the history of Kirroughtree House after buying the hotel four years ago and he became fascinated by the connections to famous writers and political rebels that he discovered. The imposing 18th century property stands in a prominent position overlooking the small town of Newton Stewart and for more than two hundred years the estate was owned by the Heron family. Patrick Heron was the patron of Scotland’s national poet Robert Burns who was a frequent visitor to the house and wrote a series of ballads in support of the landowner’s successful campaign to enter parliament. The diarist and biographer James Boswell was also a regular visitor as a cousin of the politician’s second wife. Mr Deeks explained: “Having found that Patrick Heron MP a previous owner of Kirroughtree was a patron of Robert Burns and also a friend of James Boswell, I am keen to promote the link between Kirroughtree House and the written word. I have also been inspired by the writers who now regularly stay with us during the annual Wigtown Book Festival.Writing can be used for so many different positive purposes, from conveyance of information to entertainment in the broadest sense of the word. When writing we need to detach ourselves from the everyday and become fully involved with our writing.The internet has enabled people to rush into producing billions of words of invectives and put downs in short terse statements. My objective is to encourage positive writing and wish for this to be presented in a way that is most comfortable to the writer.”Although the current Kirroughtree House dates from 1719 there is evidence of a building from a much earlier period and the Heron family’s colourful history reflects the richness of the Galloway region’s heritage including political and religious rebellion during the Wars of the Three Kingdoms and the period known as The Killing Times. But Mr Deeks is keen to point out that the area has more to offer. He said: “Galloway as a place to live, visit, or do business in, is also something that I wish to promote. The Borders have for too long been a place of battle, conflict rather than a meeting and marketplace for arts, business and culture.”I hope that the Borders diaspora around the world will become involved, take an interest in their family history and origins, then make a written contribution. All can learn from the history of Galloway, the genealogy of it inhabitants and their human stories. They also can make a written contribution, possibly linking it to their own experience. Mr Deeks wishes to play his part in encouraging positive communication by launching the Kirroughtree House Award for Literature inviting entries from aspiring writers, age over 18, from all over the world. Short stories or articles between 1000 and 5000 words long on any aspect of Galloway will be in with a chance of winning the top prize of £1000 with five runners up prizes of £200 also on offer. Entries will be received until 28th November 2016. Further details of the competition, entry requirements and terms and conditions can be found at www.kirroughtreehouse.comlast_img read more

Dominica commended for approving a National Land Use Policy

first_imgRory Baksh of Dillon ConsultingRory Baksh of Dillon Consulting, who has been working with the Physical Planning Division in collaboration with the Caribbean Development Bank (CDB) to develop a National Physical Development Plan (NPDP) for Dominica, has expressed delight at Cabinet’s approval of the National Land Use Policy (NLUP). While presenting the first draft of the NPDP on Tuesday 26 April 2016 at the Land & Surveys office, Mr. Baksh said very few countries in the Eastern and wider Caribbean have a policy such as this which is government approved. “It is something that is very rare in the Caribbean and it is something Dominica can be very proud of. It is seen as a best practice in other jurisdictions, [who] now are looking to the success that Dominica has achieved,” he said.Mr Baksh explained that the policy approved by Cabinet in May 2015, “provides broad statements about land use, growth development, environmental conservation, tourism, social development, climate change resilience, risk management that collectively help drive the country forward”. The intent of this Cabinet approved National Land Use Policy, Mr Baksh said, is to influence decisions of all different sectors because so many things in Dominica ultimately have a relationship back to land. This will be a guide as Dominica moves forward. An interesting thing about the National Land Use Policy, he noted, is that it is “broad based and multi-sector” so whatever activity is occurring on the island where land is concerned, a strategic direction is given in the policy. The approval of the National Land Use Policy is part of the two part National Physical Development Plan which according to Mr. Baksh would set the foundation in place for the Physical Development Plan. Throughout 2014, the National Land Use Policy was established using background research and stakeholder consultation all aiming to ensure that it was “by and for Dominicans”. Mr Baksh further noted that other islands are looking to the work that Dominica has done and are looking to do similar types of land use policies as well as physical development planning based on the model established in Dominica. 222 Views   no discussions LocalNews Dominica commended for approving a National Land Use Policy by: Dominica Vibes News – April 26, 2016 Tweet Sharecenter_img Share Share Sharing is caring!last_img read more

Fans shut down Hollywood Blvd as Mark Hamill honored with star on Hollywood Walk of Fame

first_imgPhoto by Alberto E. Rodriguez/Getty Images for Disney(HOLLYWOOD) — The Star Wars fans came out in full force Thursday in Los Angeles to see Star Wars icon Mark Hamill receive his star on the Hollywood Walk of Fame. The crowds were so large that they shut down Hollywood Blvd.Both Star Wars creator George Lucas and Han Solo himself, Harrison Ford, were on hand to help Hamill celebrate the honor. Ford joked, “There’s a lot more people that showed up for my star!”But Ford later got serious, remembering his and Hamill’s late Star Wars’ co-star, Carrie Fisher, whose daughter Billie Lourd was also in attendance.“When thinking about today, I was really sorry that we don’t have the other member of our trio here to celebrate with us,” Ford said, to the cheers of the crowd. “But I feel her presence.”When it was Hamill’s turn to speak, he was overcome with emotion.“I haven’t been this speechless since Force Awakens!” he said, as the crowd laughed.  Hamill famously did not have any lines in that film.He went on to thank Lucas for giving him the opportunity to play the now-iconic hero, Luke Skywalker. He also thanked Ford by doing a spot-on impression of the actor, as Han Solo, giving him this piece of advice: “Hey kid, don’t get cocky.”Finally, he thanked the fans for being with him throughout his long career, which has not only included the Star Wars franchise, but various voice-over roles in TV and video games.  His most famous of those roles is perhaps the Joker in Batman: The Animated Series.“From Jedi to Joker, it’s been a fantastic ride. Thank you so much and may the Force be with each and every one of you,” he said, signing off with his famous Joker cackle.Copyright © 2018, ABC Radio. All rights reserved.Powered by WPeMatico Relatedlast_img read more

Man and his music

first_imgMost people know Geoff Peterkin as the man behind the console managing the sound and stage needs at the Cardinia…[To read the rest of this story Subscribe or Login to the Gazette Access Pass] Thanks for reading the Pakenham Berwick Gazette. Subscribe or Login to read the rest of this content with the Gazette Digital Access Pass subscription.last_img

Addressing the “Weakness” Question during a Job Interview

first_imgOne of the most common—and most difficult questions faced during a job interview is one that many candidates disdain and often consider pointless: “What is your greatest weakness?”We expect that the question will be coming, but often wonder why it is asked in the first place. After all, why would anyone in such an important and pivotal point in a job search candidly confess to their greatest flaws? From the interviewer’s perspective, what value is there is listening to candidates skate around the question during the job interview? If we know that it’s unlikely that a candidate will provide an answer that is completely direct and honest, why ask the question in the first place?The answer is actually very simple. It’s because the way that individuals answer this question during the job interview is very telling. The answer provides insight into an individual’s character. It speaks to their self-awareness and ability to be self-reflective. It is an indicator of the willingness for self-improvement. It demonstrates a level of self-confidence, personal drive, and professional maturity. Every answer reaches well beyond the perceived identification of an area of opportunity.- Sponsor – When conducting the job interview, the ability to gauge character is a critical skill, and tells us a great deal about the quality of the candidate. While the question may be expected, the answers provided can still communicate a great deal of valuable information. Bottom line, the interviewer wants to know what type of person you are to work with, what type of employee you will be to manage, and how you will fit into the working environment.Common MistakesWhile most candidates may anticipate the “weakness” question during the job interview, many still struggle to provide a strong answer. In fact, many will try to outsmart the interviewer with their response, and end up outsmarting themselves. A few common mistakes that candidates can make would include:Trying to spin a desirable quality into a “weakness” response. Many will attempt to take an aspect of performance that they know is typically seen in a positive light and try to spin it as a “weakness.” Some common examples would include:“I’m too much of a perfectionist.”“I care too much about doing a good job.”“Sometimes I work too hard.”Most interviewers quickly see right through this type of response, and see the answer as a way to avoid the question and the heart of the matter at hand. Remember, most good interviewers will not only recognize this avoidance, but will ask follow-up questions that can lead to some uncomfortable outcomes. For example: “What do you mean that you work too hard? Is it too difficult? Do you think you should work less?”Revealing a weakness that raises flags. It can be very difficult to talk about flaws in a situation like a job interview, especially in situations where the candidate is nervous, stressed, or unprepared. Some candidates may end up confessing to a weakness such as:“Sometimes I don’t get along with some of my peers at work.”“Sometimes I have a difficult time getting to work on time.”“Sometimes I have a hard time completing my work assignments.”It can be very difficult to overcome this type of response, as such comments are directly related to performance, and are quite frankly strong reasons not to hire a particular candidate.Failing to provide a real answer. Some candidates will claim that they can’t think of a weakness. Really? You can’t come up with a single area where you can improve? This type of answer typically is seen as an indicator that the candidate isn’t prepared, isn’t being honest, and/or lacks the professional maturity to objectively reflect on their skills, abilities, and career in general.How to Answer the “Weakness” QuestionSo how should you answer the “weakness” question? Let’s start by understanding the reasons why the question is being asked in the first place. Your response isn’t simply based upon the particular weakness—it’s also about your ability to be self-reflective. Can you look at yourself in the mirror and say, “Where can I get better?”As a starting point, understand that if someone is asking you where you can get better, you should expect that there will be a follow-up question: “What are you doing to improve?” Think through this question beforehand as well, and answer that question as part of your response. Demonstrate the desire for professional growth. Immediately show that you recognize the need to improve and are taking steps to get there.Don’t get caught up on the word “weakness.” Search for your personal areas of opportunity and where you would like to improve. This is the question that is at hand, and likely what the interviewer is looking for. Focus on the question and not just a particular word or phrase that you interpret as a negative.Be prepared. Looking at your areas of opportunity is an important aspect of every individual’s professional growth plan. It’s not good enough to play a part—you have to actually be self-reflective in order to reach your professional goals.Be genuine. Don’t simply choose an area of opportunity because it sounds good. While it’s important to be smart about your decision and pick an acceptable subject, look at an area where you sincerely feel that you can get better. This honesty and integrity will make a difference, and will be reflected in the way the information is delivered—and received.Take the initiative to improve. A willingness and motivation to improve will lead to successful outcomes, regardless of the circumstances surrounding a job interview.Every job interview is an opportunity. However, it’s important to remember that we also create our own opportunities, and it’s critical that we take the steps to be prepared. Self-reflection is a critical aspect of professional growth, and is a common characteristic that every company will look for in their leadership. Make the effort, take the steps, and good things will happen.  Stay UpdatedGet critical information for loss prevention professionals, security and retail management delivered right to your inbox.  Sign up nowlast_img read more

Manpreet shatters national record, qualifies for Rio Olympics

first_imgKolkata, Sep 16 (PTI) Shot putter Manpreet Kaur smashed an 18-year-old national record to win gold and qualify for next years Olympics as Railways dominated the show on the opening day of the 55th National Open Athletics Championships here today. The 25-year-old Railways girl, who had the previous best of 16.39 at last years Delhi National Open, threw the iron ball to 17.96m in her second attempt to shatter Harbans Kaurs earlier national record of 17.43m that stood since 1997. This was Manpreets hat-trick of gold medals at the National Open and sixth overall as she also got past the Olympics qualification mark of 17.80m. Ace long distance runner OP Jaisha, also from Railways, who has already booked an Olympic berth in marathon, set a meet record in the 5000m in the very first event of the day. Jaisha clocked 15:31.73 to better Preeja Sreedharans eight-year old meet record of 15:45.96 as Railways made a clean sweep in the womens 5000m. Sarita Singh bagged Railways the third gold of the day when she threw 58.97m in the hammer throw, while Sonam of LIC and Gunjan Singh of Railways bagged silver and bronze respectively. The day also marked the return of Odisha sprinter Dutee Chand who represented Railways as she blazed the track in the 100m dash semifinals. Dutee, who had won 100m and 200m double in National Open 2013, was banned last year under IAAFs hyperandrogenism policy after tests revealed that her body produced natural levels of testosterone above permissible range. But the Court of Arbitration for Sport, in its July verdict, suspended the “hyperandrogenism” rules, which will be scrapped if the IAAF, the world body of the sport, cannot provide new evidence. PTI TAP PDS ATKadvertisementlast_img read more

10 months agoChelsea still keen on Borussia Dortmund midfielder Christian Pulisic

first_imgChelsea still keen on Borussia Dortmund midfielder Christian Pulisicby Paul Vegas10 months agoSend to a friendShare the loveChelsea remain in the hunt for Borussia Dortmund midfielder Christian Pulisic.The Telegraph says the 20-year-old winger has been heavily linked with a move to Stamford Bridge during the mid-season sales.Chelsea are on the hunt for long-term replacements for Pedro and Willian – and Pulisic would fit the bill.He is under contract at Borussia Dortmund until 2020 so the Bundesliga giants are running out of time to cash in.And Chelsea are hopeful of securing Pulisic’s services.But it is claimed that BVB bosses will dig their heels in until the summer transfer window. TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img read more