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Konditor & Cook has launched a new scratch card campaign, in which its customers could bag a series of prizes.The London-based bakery retailer has introduced its Be Lucky initiative this month, where customers will receive a scratch card with each purchase made within its outlets and online.Customers will have the opportunity of winning a year’s supply of brownies, as well as cake-decorating classes for two headed up by Konditor & Cook founder Gerhard Jenne.Other prizes up for grabs include 100 whole cakes, 100 hot savoury dishes and 10,000 £1 treats, in addition to thousands of special offers.
Jason Robert Brown and Marsha Norman’s musical The Bridges of Madison County is set to melt hearts all across the country! The touring production will launch on November 28 in Des Moines, Iowa, the state where the show is set, before continuing to more than 15 cities across the country. Casting will be announced at at later date.Directed by Bartlett Sher, who helmed the show’s Broadway run, and based on the best-selling novel by Robert James Waller, The Bridges of Madison County tells the story of Iowa housewife Francesca Johnson and her life-changing, four-day whirlwind romance with traveling photographer Robert Kincaid. It’s an unforgettable story of two people caught between decision and desire, as a chance encounter becomes a second chance at so much more.The Bridges of Madison County received four 2014 Tony Award nominations, and won awards for Best Original Score and Best Orchestrations for Jason Robert Brown.The production’s creative team includes scenic design by Tony Award winner Michael Yeargan, costume design by Tony Award winner Catherine Zuber, lighting design by Tony Award winner Donald Holder, sound design by Jon Weston and movement by Danny Mefford. View Comments
I opened up my Gmail the other morning to find the subject line “Woo-hoo your credit score went up!”I stared at it for a moment and then moved on to the next email.I’m pretty brave, but not brave enough to start the day by facing my credit score. You see, I’m a professional writer. For the most part, writers are not rich.For more than 20 years, I’ve had the pleasure to write for hundreds of publications, including The New York Times, the Los Angeles Times and the Credit Union Times, but I don’t earn the paycheck of, say, Maureen Dowd. That’s fine by me, because I love what I do, even if it means not always being paid on time or having job stability. After all, during the financial crisis, many Americans who thought they had job stability lost their jobs anyway. But despite my relatively high profile in the credit union community and with major newspapers across the country, my credit union is not impressed with my bylines. For 35 years, I’ve been a member of a credit union in California, and I can’t help but think they don’t understand me. That’s a problem, because I’m the type of American that credit unions were chartered to serve.It’s not that they don’t care, I think they really do, because they always ask me about my travels, my family, and my writing, and because I’m pretty open with my life they know a lot about me except it seems, my financial issues.Which brings me back to my credit score. It’s not great. I eventually opened the email and peeked at my free credit score and credit report, finding two items still on my report that I’ve paid off. I also have three outstanding medical bills, thanks to health insurance that has a monthly premium I can afford but also has a large deductible. I have one credit card with a $1000 limit but no other debt. I’m not a big spender, and I don’t have a car or house payment. The average U.S. credit score is 687. I’m not quite there, but I would like to be. However, I face a steep uphill battle. Because I’m considered subprime, I would pay a fortune to borrow money to pay off those hospital bills or pay for the next unexpected major expense. It is estimated that 113 million Americans like me – people who do work and don’t live beyond their means – have non-prime credit scores. There are literally millions of people that credit unions could help improve the financial positions of and eventually extend credit to.Now, I know there are plenty of credit unions that go out on a limb to help underserved members because I’ve written Community Development grants for them. Some of my friends who belong to other credit unions, are offered classes on rebuilding their credit and given small personal loan, —unsecured— to get themselves back on track. But not me.A few years ago, in a moment of frustration I even opened a second account with a major bank, but I missed the personal service and friendliness of my credit union and quickly closed it.Since I travel so much I can literally walk into almost any town and find a credit union that is also a member. I also love visiting one of the other branches of my credit union and recognizing an employee who is still working there after 30 years, confirming that it’s a great place to work.Which is why my credit union confuses me —they know who I am and they know my financial challenges, so why don’t they reach out to me and offer credit counseling or financial education? Or how about some products or services that are appropriate for me? One thing credit unions such as mine could do, is offer their members in my situation Ser Tech’s Flitter, which gives members the real, authentic FICO® Score not those other “education scores,” but the score that truly determines what loans and loan terms they qualify for. Each Flitter report provides the member’s FICO® Score and the key factors affecting that score, plus an explanation of those factors. They’ll also receive comprehensive credit education, financial health management tips, Balance consumer credit counseling and other helpful services, which is what I was dreaming my credit union would do for me.Instead, they send me offers for new car or mortgage loans which if they looked at my finances they would know up front that I don’t qualify.Although I would love to obtain a loan for a new car or RV, I know I have to work on my credit score by keeping my credit card balance down and slowly paying off those hospital bills. My credit union isn’t perfect, but I’ll be staying with them because the positives outweigh the minuses. I hope one day they will take the time to see what I really need financially and that their offers of auto loans and credit cards are not always ‘one size fits all’ solutions. In the meantime, you’ll find me working hard to increase my credit score. 79SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Candice Reed Candice Reed is an award-winning journalist, author, and PR consultant. She has written for the Credit Union Times, Credit Union Journal, the New York Times and many more publications. Web: https://www.financialfeed.com Details
Share Facebook Twitter Google + LinkedIn Pinterest As I was digging weeds already out of the garden this weekend and looking at the buds on the trees, it looks more like early May rather than early April. Either way we are getting our seed together for research plots and checking our list of locations to begin for what is already an unusual season. While the rain is keeping us at bay, here are some reminders of last minute checks and to-dos before it turns into those crazy long days.Sample for SCN. We’ve always recommended sampling in the fall after a soybean crop. This is primarily due to when SCN populations will be the highest as well as more time in the fall to sample these fields. Fall sampling has not been ideal the last few years. This year it is very unlikely that there was any winter kill of eggs, those that are not protected by the cyst wall. Based on Laura Lindsey and Terry Niblack’s recent survey most of our fields have some SCN and they are below the economic threshold. However, there were also some surprises and we know historically that once populations get super high (more than 15,000 eggs/cup of soil or 60 cysts) that it is very difficult to get those populations to drop with just crop rotation. Not to mention the consistent loss in yield over time. The top fields to target this spring would be:Fields where the yield is consistently 10 to 20 bushels off your farm or county average.Fields that have been in continuous soybean (for more than five years)Fields that have a proliferation of winter annuals or cover crops that are also great hosts for SCN (legumes, purple dead nettle, and Sheperd’s purse)For a refresher on how to sample for SCN, here is a link to sampling by one of our newly minted Ph.D. students (#8 in the series) https://plantpath.osu.edu/about-us/multimediaCheck your varieties — what are the disease resistant scores. Most farmers in Ohio know which fields have had diseases, Phytophthora root and stem rot, Sclerotinia stem rot, Frog eye leaf spot and replanting due to seedling diseases. All of these are best managed with resistance. Each company uses a different scoring system.1 to 9 – where 9 is dead and 1 is little to no disease1 to 9 – where 9 is best – top rating and 1 is tons of disease and plants are dead.As you look at these ratings you are going to see that most of the varieties are in the range of 3 to 7 — in the middle. This is because the resistance that we most commonly deploy takes many genes (quantitative) to manage the particular disease and under conditions that are highly favorable for disease development some disease will occur.A good example is Sclerotinia stem rot. Varieties with the highest resistant ratings will develop 6% to 15% incidence under high disease conditions, well below where overall yield loss can occur.Do you have a seed treatment? Is it the right package for your conditions? Replanting is costly. From a seed, herbicide and delayed planting perspective. In Ohio, soybean seedling pathogens are very diverse and include the watermolds (Phytophthora and Pythium) as well as true fungi (Fusarium spp. and Rhizoctonia). All of these are very well managed with seed treatments, but there is not one fungicide that will control this plethora of pathogens. The mainstay, metalaxyl/mefenoxam is very good for P. sojae and some Pythium spp, the same is true for ethaboxam. A strobilurin will have efficacy towards some Pythium spp. and some true fungi. Fludioxonil and several other chemistries will manage Rhizoctonia and Fusarium. The key for today’s seed treatment mix is to be sure you have several fungicides in the package,that will actually mix and work well together.
The Shiv Sena’s alliance with the BJP is strong as ever and seat-sharing arrangements for the coming Maharashtra Assembly elections had been decided by the two parties, Sena president Uddhav Thackeray said on Thursday.“We [BJP and Sena] have satisfactorily sorted out the seat-sharing arrangements. The media need not worry about it at this moment. They will come to know at the right time. All the parties in the BJP-Sena Mahayuti (alliance) will be satisfactorily accommodated in the seat-sharing arrangement,” he said.The Sena’s demand for the post of Deputy Speaker of the Lok Sabha ought not to be construed as “disgruntlement” on its part. “The Sena does not believe in doing anything by sly means…Expressing a wish or demanding something by rights [Deputy Speaker’s post] does not mean that we are upset with the BJP. We have made this alliance [with the BJP] on the principles of Hindutva, not for the sake of merely securing two or four Union Cabinet berths,” he said.Rebuking the Opposition, Mr. Thackeray said he had no wish to participate in “the disappointment of those hoping for a rift” within the Mahayuti.Quashing suggestions of any disaffection with the BJP, he said, “Now that everything between the two parties is going fine, we will ensure that this alliance remains firm.” Satisfied with single berth in Union CabinetMr. Thackeray emphasised that he was satisfied with the Sena being given a single berth in the Narendra Modi Cabinet.Sena’s Arvind Sawant is the lone MP to be given the Heavy Industries and Public Enterprise Ministry portfolio.When asked whether he would be touring the drought-hit areas in the State, Mr. Thackeray said the term ‘drought tour’ was a misnomer.“Let us hope that this drought is on its last legs… Our [BJP-Sena] government’s aim has not been to provide empty succor to the afflicted but to ensure that the farmers and locals are well provided in terms of fodder and food. I think the government has done its best to ameliorate the plight of the drought-hit people,” he said.Mr. Thackeray announced that he, along with son, Yuva Sena chief Aditya Thackeray, planned to visit and review the situation in the affected areas in western Maharashtra, Marathwada and Vidarbha this Sunday.Earlier in the day, the Sena president received a rousing welcome by local Shiv Sainiks as he landed in Kolhapur.Mr. Thackeray, along with his wife Rashmi and Mr. Aditya Thackeray prayed at the Mahalaxmi Temple in Kolhapur along with the party’s 16 of the 18 newly-elected MPs. Also present was senior BJP leader and State Revenue Minister Chandrakant Patil.“It was the late Balasaheb’s [Bal Thackeray] dream that the MP from Kolhapur should be from the Shiv Sena. Today, the people of Kolhapur have helped realise that dream by electing Sena MPs from both the Lok Sabha constituencies in the district and I am grateful to them,” said Mr. Uddhav Thackeray.
The Madhya Pradesh government is going to seek a special assistance of ₹11,861 crore from the Centre for flood relief in the State. As many as 8,000 villages in 36 of the 52 districts of the State had been battered by excess rain. The 33% more-than-normal monsoon has so far claimed 220 lives, and prompted shifting of 50,000 people to relief camps.More than 22 lakh farmers had been affected as their crops over 24 lakh hectares was destroyed due to rain. Based on the preliminary assessment, the damage to crops had been pegged at ₹9,600 crore, said Law Minister P.C. Sharma here on Wednesday. “Already, ₹325 crore was extended as relief to farmers,” he said. “While the Prime Minister was celebrating his birthday at the Sardar Sarovar Dam, thousands were drowning here. We may even approach court if our request is denied,” he said. On September 16, Mr. Tomar had written to Chief Minister Kamal Nath directing his attention to flood in the Chambal river which had affected Morena, his constituency, and Sheopur district. Due to excess rain in a few hours, the inflow in the Gandhi Sagar Dam rose to 16 lakh cusecs from 3.5 lakh cusecs, and this caused flooding in the backwaters of the Chambal river. Record rainfallMeanwhile, at 168.89 centimetres Bhopal had received the highest rain during the southwest monsoon since 1980, said IMD scientist G.D. Mishra.
Books September 10: Bunny’s adventure Attend the book release of Move on Bunny! by Vivek Atray. A humorous tale of a young man named Bunny Kapoor and his escapades, Bunny! has pesky bosses and demanding girl friends to deal with along the way. Read about how he manages to keep,BooksSeptember 10: Bunny’s adventure Attend the book release of Move on Bunny! by Vivek Atray. A humorous tale of a young man named Bunny Kapoor and his escapades, Bunny! has pesky bosses and demanding girl friends to deal with along the way. Read about how he manages to keep his cool and win the day with a common sense, no-nonsense approach. At: UT Guest House, Chandigarh. Tel: 2749821.Music and danceSeptember 1: Culture curry To celebrate their third anniversary, the NGO Tamanna is organising a cultural event at Tagore Theatre, 6 pm. It will comprise performances by rock band Karmaasa, among others. Get your free passes to be a part of this event from these locations below: Career Cafe, Sector-8, Chandigarh and Sai Trophies, Sector-20, Chandigarh Tel: 9646655229.SportsSeptember 22-October 2: Spirit of hockeyThe second edition of the four-nation Punjab Gold Cup hockey tournament will see India, Pakistan, New Zealand and Argentina in action. The venues for the matches are: Government Barjindra College stadium, Faridkot; Olympian Prithipal Singh stadium at Ludhiana; GNDU stadium, Amritsar; Rajindra College, Bathinda; and Sports Complex, Mohali.TheatreSeptember 6-16: Folklore The Saang Festival is organised by DPR Haryana at Tagore Theatre every year. Saang is a rural folk drama of Haryana, based on the open theatre style. It will be performed by a group of about twelve artists who will sing religious stories and folk tales. At: Sector 18, Chandigarh Tel: 2724278.September 15-18: Social drama Anita Shabdeesh, a prominent Punjabi theatre personality, is organising a four-day Theatre Festival at Punjab Kala Bhawan. It will showcase performances by a slew of theatre artists and Punjabi movie actors; highlighting various facets of the society we live in. At: Punjab Kala Bhavan, Sector 16, Chandigarh. Tel: 2721858, 2704573.advertisementNightlifeTill August 31: NostalgiaOrchid Lounge presents Soulful Musical Evenings featuring Goabased singer Andre Claude Coelho. The esoteric musician would belt out numbers of musical greats such as Neil Diamond, Elvis Presley and Pat Boone along with his original compositions from his debut album titled Andre. Catch him every Wednesday, Friday and Saturday from 9 p.m. to 11 p.m. At: Orchid Lounge, Sector 34 A, Chandigarh. Tel: 2624990.Till August 26: Sing alongExercise your vocal chords at karaoke nights at Cafe Amor from 8 p.m. to 11:30 p.m. Shake a leg to the numbers while enjoying happy hours till the closing time. At: Huda Restaurant Complex, Sector-5, Panchkula. Tel: 4266666.ShoppingSeptember 2-4: Fairytale affairTaste the grandeur of Indian wedding celebrations at Wedding Asia 2011 from 9 a.m. to 6 p.m. From designer outfits, jewellery, makeup, decor to photography, the exhibition offers complete wedding solutions. At: Hotel Taj, Chandigarh. Tel: 56542280, 6534201.September 29-30: Designer Bouquet Farwan, a fashion event, aims to showcase latest trends, designer apparels, and brands. Shop for luxury and designer wear for men and women, designer bags and accessories, furniture and much more. A fashion show will also be organised during the exhibition. Time 10:30 a.m. to 9 p.m. At: JW Marriott, Chandigarh. Tel: 4026987.August 27-28: Bride choice Bridal Affair is an exhibition of bridal products and services. From bridal gowns to jewellery, beauty and hair services, floral designs and lights, you will find most things here for that dream wedding. At: JW Marriott, Chandigarh. Tel: 4026987.Till August 28: Shopping delightTry retail therapy at the second edition of DLF Shopping Festival. It’s packed with deals, discounts, games, food, fun, entertainment and-pampering. At: DLF City Centre Mall, Chandigarh. Tel: 4650113, 4650114.FashionAugust 27-28: Fashion paradeDesigners Rakesh Agarwal, Rocky S, Mandira Wirk, Vikram Phadnis, Reynu Tandon and Wendell Rodricks come together for the seventh season of Seagram’s Blenders Pride Fashion Tour 2011. At: Mount View Hotel, Sector 10, Chandigarh. Tel: 4671111, 4644400.FoodTill August 31: Brunch onA delectable spread of Indian, Chinese, Thai, and Italian cuisines along with an array of desserts, salads and drinks to choose from at Rs 999 plus taxes per head at Zazen. Enjoy the same options at Rs 699 plus taxes every Sunday. Time 12 p.m. to 4 p.m. At: Huda Restaurant Complex, Panchkula Tel: 4266666Till August 31: Lunch dateEnjoy a lavish lunch buffet at multi-cuisine restaurant Kava. Choose from their star dishes like Goan fish curry and New Zealand lamb chops with a special range of cocktails. Priced at Rs 700 plus taxes per person. At: SCO-14, Sector 26, Chandigarh Tel: 9216686450.