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Managing five important finance trends

first_imgby: Allyn Hughes, AdviceIQYour financial plan needs to keep pace with larger socioeconomic trends. Here are smart ways to manage the five trends that we think are important to you over the next five years.1. Your cash and bank savings accounts will continue to earn next to nothing. The combination of too much global debt,aging demographics and low energy prices force many countries in the developed world to lower the interest rates they pay on short-term notes. European countries are paying negative interest rates to short-term lenders, meaning the lenders must pay a fee to own debt securities.Global economic growth remains muted, and there’s little reason for the Federal Reserve to raise interest rates significantly over the next five years. This means that savers and investors continue to earn very low returns on their savings and fixed income portfolios.To do: The distinct downside of this trend is an increase of the overall risk and volatility of your investment portfolios. To earn higher returns, you have to modestly increase your allocation to global stocks and real estate. continue reading » 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

NFL VP Troy Vincent wants the need for ‘the talk’ to go away

first_imgNFL executive vice president Troy Vincent, the highest-ranking black person in the league office, put a personal touch Wednesday on the conversations about police brutality and racial injustice.Vincent first tweeted about “The Talk,” given by black fathers to their children on how they should interact with police. Vincent said he and his wife had it with their 19-year-old son before he returned to Ohio State. NFL commissioner Roger Goodell said in a statement Saturday night the league recognizes “the power of (the NFL’s) platform in communities and as part of the fabric of American society.” Goodell’s statement was met with derision and references to Colin Kaepnick’s pregame protests in 2016 against brutality and injustice. The league pushed back strongly against Kaepernick and those who joined him in taking a knee. Kaepernick has been a free agent since after the 2016 season.Team owners, coaches and players alike have weighed in since Goodell’s announcement, offering divergent opinions on Kaepernick’s protests but mostly unity on the issues he was trying to spotlight. Vincent said he has had conversations with many of those people in recent days.”As a leader in the NFL, it was not only my duty, but also a responsibility, to check in with the men and women with whom I work on a daily basis,” he wrote. “Before he left, my normal routine of getting his car ready began with checking every headlight and tail light, and making sure the brake lights were working properly. I located his insurance card and registration, and double checked that had his drivers license,” Vincent wrote.Vincent also said he removed trash such as gum wrappers, sandwich bags and water bottles from the car so as not to give police an opening to suspect illegal activity were they to pull over his son on the drive to Columbus. pic.twitter.com/fnrTfon6VM— TroyVincentSr (@TroyVincentSr) June 3, 2020″I want a future for black children that doesn’t require ‘the talk’ as a survival tactic,” he wrote.MORE: Russell Wilson’s heart ‘heavy’ over ‘murdered’ Floyd, othersVincent wrote in response to the death last week of George Floyd, who died at the knee of a former Minneapolis police officer, and other highly publicized killings of black Americans.”As our nation processes the death of George Floyd, the one thing that I hope we can all agree on: He should still be alive,” Vincent wrote. “His story, like so many others — Ahmaud Arbery, Breonna Taylor, Tamir Rice, Ayiana Stanley Jones — deserves more honor than to end in a hashtag that is circulated until the next viral, senseless death is upon us.”last_img read more

Randolph leads Kings past Pelicans in OT

first_imgSteam emission over Taal’s main crater ‘steady’ for past 24 hours Zach Randolph made two of his career-high five 3-pointers to start overtime and finished with a season-high 35 points. He also had 13 rebounds.“When you’re hot, you’re hot,” Kings guard De’Aaron Fox said. “(Randolph) hit corner 3s, off balance, getting fouled. They were going in. He just had one of those games.”FEATURED STORIESSPORTSRedemption is sweet for Ginebra, Scottie ThompsonSPORTSMayweather beats Pacquiao, Canelo for ‘Fighter of the Decade’SPORTSBrian Heruela arrival bolsters Phoenix backcourt, defenseHield finished with 18 points off the bench, Fox added 14 points and Frank Mason III scored 12 for the Kings, who won for just the fourth time in 15 road games this season.Cousins led New Orleans with 38 points and 11 rebounds, but in the fourth quarter and overtime he had just five points, making 2 of 12 shots and missing all five 3-point attempts. Cousins had 41 points and 23 rebounds in a victory over the Kings in Sacramento in October. “I don’t think we had a sense of urgency the entire night,” Cousins said. “We just kind of coasted through this game and we gave this team life. We had plenty of opportunities to put the game away and we just wouldn’t put our foot on the pedal full-throttle.”Anthony Davis, returning from a three-game absence with an adductor strain, had 18 points. Ian Clark had a season-high 15 points in his first start, and Jrue Holiday scored 14.Randolph made two 3-pointers to help give Sacramento a 110-105 lead with 3:13 left in overtime. The second 3-pointer came with the shot clock winding down and Randolph fading out of bounds while shooting over Jameer Nelson, who’s nine inches shorter than Randolph.“I just saw the clock going down and tried to get my feet set,” Randolph said. “Jameer’s strong, but kind of short, so I was able to shoot over him.”Holiday made a jumper, but Fox made two free throws and Mason scored on a drive for a seven-point lead with 58 seconds left.ADVERTISEMENT Margot Robbie talks about filming ‘Bombshell’s’ disturbing sexual harassment scene It’s too early to present Duterte’s ‘legacy’ – Lacson View comments Phivolcs records 2 ‘discrete weak ash explosions’ at Taal Volcano Aldridge, Ginobili rescue Spurs against Celtics Kiss-and-tell matinee idol’s conquests: True stories or tall tales? RONDO RESTSPelicans G Rajon Rondo sat out the game to rest. He missed the first 13 games of the season because of a core muscle injury. He had started the last 11 games at point guard. In those games, Holiday averaged 20 points while starting at shooting guard. Clark started in Rondo’s place.UP NEXTKings: Return home to play Toronto on Sunday.Pelicans: Host the 76ers on Sunday to conclude a four-game homestand.Sports Related Videospowered by AdSparcRead Next Coco’s house rules on ‘Probinsyano’ setcenter_img LATEST STORIES MOST READ “They outplayed us in every phase of the game,” New Orleans coach Alvin Gentry said. “They outplayed us. They just kept playing and they played for the forty-eight minutes. They got it into overtime and they outplayed us.”Cousins scored 15 points in the second quarter, and the Pelicans led by six at the half. Randolph scored 10 points as the Kings pulled even at 77 late in the third quarter.The Pelicans went ahead by 10 early in the fourth as Clark and Darius Miller scored the first two baskets and Dante Cunningham added a 3-pointer.Sacramento cut the lead to five midway through the quarter, but Davis answered with four consecutive points.The Kings pulled within 100-99 on Randolph’s drive with 1:07 left.Cousins got free for a dunk and a three-point lead with 49 seconds left before Hield tied it with his 3-pointer.“I made some shots,” Hield said. “We all did our part. (Randolph) made plays. (Mason) made plays in the overtime. It was a great team effort.”TIP-INSKings: Randolph missed a baseline jumper just before the final buzzer, and Vince Carter rebounded the miss and dunked just after the buzzer. … The Kings’ bench outscored the Pelicans’ bench, 53-16. … Sacramento finished its trip 2-2.Pelicans: The Pelicans beat the Kings 114-106 on Oct. 26 in Sacramento as Cousins had 41 points and 23 rebounds. … New Orleans made 17 of 19 free throws. … The Pelicans had a 12-4 edge in fast-break points. Don’t miss out on the latest news and information. Jo Koy: My brain always wants to think funny Sacramento Kings forward Zach Randolph, right, drives to the basket against New Orleans Pelicans center DeMarcus Cousins (0) during the first half of an NBA basketball game in New Orleans, Friday, Dec. 8, 2017. (AP Photo/Gerald Herbert)NEW ORLEANS — DeMarcus Cousins looked like he was going to haunt his former team again. But the other main piece in the trade that brought Cousins to New Orleans ended up making the biggest play on Friday night.Buddy Hield scored eight points down the stretch, including a 3-pointer with 34 seconds left that forced overtime, and the Sacramento Kings beat the Pelicans 116-109.ADVERTISEMENT Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award OSG plea to revoke ABS-CBN franchise ‘a duplicitous move’ – Lacson Jake says relationship with Shaina ‘goes beyond physical attraction’last_img read more