Reduce And Control Fixed Costs

first_imgFacebook0Tweet0Pin0 Submitted by Nancy LaPointeFixed costs are consistent expenses such as rent, mortgage, auto loans, personal loans, cable bills, wine club and gym memberships.  On one hand they are known, easily budgeted and tracked.  However, they can also easily get out of hand and reduce one’s flexibility and discretionary spending allowance.Relatively small amounts can really compound quickly and in a sneath fashion.  You sign up for a gym membership at $20/month, a wine club at $45, movie rentals for $10/month, then a book club, yoga classes, add another channel to cable (after all, it is only $15) and next thing you know these bits and pieces are equal to a car payment.  You already have an actual car payment and student loans and you need to pay off the heat pump in the next 6 months…  Where is the money coming from?I suggest you get out your bills and review them with a critical eye.  Are you enjoying the results of spending this hard earned cash?  Are you actually going to the gym?  When was the last time you watched Showtime or went to a yoga class?Heavy fixed costs can make one feel trapped, without spondity and unable to enjoy their day to day life.  When you minimize your fixed costs you have a better chance of living within or below your means. You have flexiblity to handle life’s curve balls as well as unexpected opportunities to play with family and friends, without placing yourself in finanacial hardship.Consider embracing the mindset of the millionaire next door and live within your means. Set up your budget to spend less then what you earn.  Too many people today place themselves, not by intention but by living reactively, in financial tight spots. One or two reduced or missed paychecks and their lives come tumbling down.   I’m not advocating you become a tightwad or live without play and only for tomorrow.  I am, however, encouraging you to minimize your fixed costs so that you have not financially commited yourself to the point you have no “play” moneyNancy J. LaPointe is a Financial Services Representative of Metropolitan Life Insurance Company (MLIC), New York, NY 10036. Securities products offered by Nancy J. LaPointe, a Registered Representative of MetLife Securities, Inc. (MSI) (member FINRA/SIPC), 4520 Intelco Loop SE, Suite 1E, Lacey WA 98503. MLIC and MSI are MetLife companies.                                                                                                    L0212237456[exp0213][WA]last_img read more

YWCA of Olympia Seeks Business of Achievement Nominations

first_imgHow to nominate a Business of Achievement:Complete the form online at, under News or EventsComplete the form in Word by sending a request to and returning  electronically to The form is also available in PDF.Complete the form in Word and mail to Business of Achievement Selection Committee, 220 Union Ave SE, Olympia, WA  98501Deadline:  Thursday, September 4 at 5:00 pm.Selection: An independent and confidential committee will select the winners.  Honorees will be notified on or around Tuesday, September 9.The Business of Achievement will be formally announced to the community in September.  The Twentieth Annual Women of Achievement Gala will take place on Thursday, November 6 from 5:30pm – 9:00pm at the Red Lion Hotel Forest Ballroom. The event is open to the public and tickets will be available by contacting the YWCA of Olympia at 352-0593 or online at Once again Titus-Will has stepped up as the WOA Presenting Sponsor with WSECU and Lucky Eagle  as our Sustaining Sponsors.For more information about the Women of Achievement Celebration Gala, contact Cherie Reeves Sperr, Special Events & Communications Director at 352-0593 or Submitted by the YWCA of OlympiaThe YWCA of Olympia is pleased to announce a NEW nomination category for their Twentieth Annual Women of Achievement Celebration. The agency welcomes nominations from the community in support of businesses who exemplify the YWCA of Olympia mission:  To empower women and eliminate racism through education, advocacy, service and leadership opportunities.  Nominations can be for both public and private businesses located in Thurston County and encourage nominations of businesses both large and small.  Businesses will be considered based on one or more, but not limited to, the following factors:Employing family friendly policies (flexible scheduling, breastfeeding, paid leave, etc.)Their dedication to the social, economic and professional advancement of womenTheir commitment to providing opportunities that help women achieve their potentialTheir commitment to addressing workplace racial and/or gender discrimination Facebook9Tweet0Pin0last_img read more

Arts Walk Fall Registration Now Open

first_imgFacebook9Tweet0Pin0 Submitted by The City of OlympiaRegistration forms available for Fall Arts Walk 2015Registration forms for artists and downtown businesses participating in Arts Walk are now available:In person at The Olympia Center, 222 Columbia St. NW,Online at by calling Olympia Parks, Arts & Recreation at 360.753.8380Early Bird registration deadline is Saturday, July 11, and the standard registration deadline is Saturday, July 18, 2015.Sponsored by Olympia Parks, Arts & Recreation and the Olympia Arts Commission, Arts Walk attracts over 10,000 visitors to celebrate the arts in downtown Olympia. Fall Arts Walk dates are Friday, October 2, 5-10pm, and Saturday, October 3, 12-5pm.last_img

Umar Akmal calls Abdul Razzaq ‘mother from another brother’ and Twitter loses it!

first_imgImage Courtesy: Getty/Twitter(@Umar96Akmal)Advertisement sgmNBA Finals | Brooklyn Vsq4gqWingsuit rodeo📽Sindre E2tt6y( IG: @_aubreyfisher @imraino ) blkk8Would you ever consider trying this?😱6Can your students do this? 🌚twwbwRoller skating! Powered by Firework For a cricketer, making a mistake on the pitch cannot be reverted. But making a blunder on social media? Pakistani international Umar Akmal did just that on social media. The cricketer posted a selfie with veteran Bangladeshi cricketer Abdur Razzak on Twitter, along with the caption that is cracking everyone up. Instead of writing the usual phrase ‘brother from another mother’, Akmal wrote ‘mother from another brother.’ While Akmal was prompt to delete the tweet, it already went viral among the cricketing fans, and he is now subjected to crazy memes and brutal trolls!Advertisement Image Courtesy: Getty/Twitter(@Umar96Akmal)While there were questions regarding if Akmal really made the blunder or the screenshot of the tweet is fabricated, several followers have confirmed that the cricketer in fact posted the hilariously mistaken quote, and they were ready to screenshot it before it got deleted.The netizens have gone boisterous all over the micro blogging website with their own memes and jokes, with the ‘#UmarAkmalQuote’ has now become a trend. For jumbling up the quote, Akmal is now the subject of hysterical banters and jibes, where people are similarly posting their own botched up version of famous quotes.Advertisement Here are some of the funniest recreations by the Twitterati:If you are free at something, never do it for good – Umar Akmal #UmarAkmalQuote— A M I T (@invincible6_) February 19, 2020″Comfort zone begins at the end of your Life” #UmarAkmalQuote— Chandan Tandon 🇮🇳 (@Chandan_tndn) February 19, 2020#UmarAkmalQuote”Everything is war in fair and lovely”— Sankalp Singh (@_sankalpsingh_) February 19, 2020Felt delete, might cute later.#UmarAkmalQuote— Pradeep Bedra (@pradeepbedra) February 19, 2020“Inshallah, played boys very well”. #UmarAkmalQuote— . (@_cranky_kid) February 19, 2020However, there hasn’t been any updates from Akmal yet about being the topic of the quips.Earlier this month, Akmal had a fallout with with a fitness trainer from Pakistan’s National Cricket Academy. After failng to pass the fitness test, the cricketer apparently got frustrated and was accused to have removed his clothes and asking the trainer “where is the fat?”Akmal made his international debut in 2009 in a Test series against New Zealand. His first limited overs debut was in the same year, against Sri Lanka in the T20 format. The 29 year old has earned 121 ODI and 84 caps for Pakistan.He made his last international appearance in the Sri Lanka T20 series back in October, where he ducked back to back in both the first and second games, and has fallen down the pecking order in the team selection. In domestic cricket, Akmal plays for Quetta Gladiators, the current champions of the Pakistan Super League (PSL).Also read-Harbhajan Singh trolls Rohit Sharma about his weight lifting efforts Advertisementlast_img read more

Middletown’s Halloween Hullabaloo Set for Oct. 28

first_imgCome to Poricy Park on Friday, October 28 from 5 p.m. to 8 p.m. for a Halloween Hullabaloo presented by Middletown Parks, Recreation, and Cultural Affairs, the Middletown Arts Center and the Poricy Park Conservancy. Free admission. Costume contests begin at 5 p.m. Categories are Ages 2 & Under, Ages 3-5, Ages 6-8, Ages 9-12 and Groups of 2 or More. Haunted Hayrides begin at 5:30 p.m. followed by the awe inspiring Mad Science Show at 6 p.m. Don’t miss cartooning with the Doodle Dude and a free candy bag for the kids. Weather permitting. Poricy Park is located at 345 Oak Hill Road, Middletown, NJ. (Use Red Bank for GPS). Call (732) 842-5966 for voicemail.last_img

Enhancing Our Estuary

first_imgAdvocates Brainstorm Ways to Improve the NY-NJ Harbor WatersBy Joseph SapiaKicking off a forum on the New York-New Jersey Harbor Estuary, Atlantic Highlands Mayor Rhonda C. Le Grice talked about its waters, a short distance away from where she stood.“These waters are essential,” Le Grice said. “I consider them our front yard.”The estuary’s 250 square miles of open water, along with its 1,600 miles of shoreline, basically runs from the Tappan Zee Bridge on the Hudson River to the north to Raritan Bay and Sandy Hook Bay in the south, west to east from Perth Amboy to Sandy Hook. Associated with it are the various waterways that drain into it, including the Navesink River and Shrewsbury River.The New York-New Jersey Harbor and Estuary Program (HEP) is now developing an “action agenda” for 2017 for its five goal areas: water quality, habitat restoration, public access, a viable and sustainable port, and public education. So, it is reaching out to the public, groups interested in the estuary and government officials to develop the agenda.“We’re traveling around the estuary essentially to create a to-do list,” said Rob Pirani, program director for HEP, which is part of the Hudson River Foundation, a science and research group based in New York City.: Fishing on Sandy Hook Bay with the Verrazano-Narrows Bridge and the Manhattan skyline in the background haze.As HEP travels around, one of the stops was at the Atlantic Highlands Senior Center along Sandy Hook Bay, where Le Grice and others took part. The Monmouth County Environmental Council, which advises the county Planning Board, hosted the event on Thursday, May 26.About 20 or so people – a combination of Environmental Council members, government officials, representatives from environmental groups and the public – attended the Atlantic Highlands forum, asking questions and offering suggestions for the action list.Responses at the meeting included:— Cleaner water benefits swimming areas and shellfisheries.— Challenges to improving water quality are easy drainage to waters via impervious surfaces, lawn fertilizer pollutants and plastic litter finding its way into the water.— Key habitats are coastal wetlands, now threatened by such things as an invasion of phragmites grass; those for shellfish; and the lower end of the food chain.Another point that came up was public access to shorelines.“On the Navesink River, you can access the river, but you can’t park your car,” said Joe Reynolds, co-chair of the Bayshore Regional Watershed Council. “(Or)you can park your car, but you can’t access the river.”Regarding non-point source pollution entering the waterways via drainage, it was suggested perhaps people should be educated not to swim a day or two after it rains.Challenges to moving forward HEP’s goals, according to Pirani, are the dense development around the estuary, the area being home to 14 million people, and limited monies and political attention.“My personal sense is there’s many more people enjoying the water than before,” Pirani said.In Monmouth County, there are 26 miles of bayshore, said Kyle R. Clonan, an environmental specialist for the county Division of Planning and the division’s staff advisor to the Environmental Council.About 25 municipalities and 312,000 residents, or just under half the population of the county, are part of the Raritan Bay and Sandy Hook Bay watershed, Clonan said. The area is important for recreation, the environment and the economy, according to Clonan.Also, according the Michael Fedosh, chair of the Environmental Council, “The health of Raritan Bay impacts the health of the ocean in Monmouth County.”One of the attendees was Ebru Altinsoy, a member of the Environmental Council from Asbury Park.“I just want to learn and get involved as much as I can,” said Altinsoy, an environmental scientist.Another attendee – Ralph Wyndrum, chair of the Fair Haven Environmental Commission – said forums such as this one are good because they can educate people who would not know about these issues or specifics related to them.The HEP survey is available online at Central Jersey forums on compiling HEP’s 2017 agenda are scheduled for:— June 9, Thursday, 7:30 p.m. to 9:30 p.m., at Keyport Borough Hall, 70 W. Front St. Sponsored by the New York-New Jersey Baykeeper.— June 14, Tuesday, 6:30 p.m. to 8:30 p.m. at the Middlesex County Administration Building, Lower Level Tax Court, 75 Bayard St., New Brunswick. Sponsored by the Lower Raritan Watershed Partnership.The Hudson River Foundation is at 17 Battery Place, Suite 915, New York, N.Y. 10004; 212-483-7667; read more

Sea Bright Holds Town Hall To Discuss School Tax Formula

first_imgStory and photo by Liz Sheehan |SEA BRIGHT – A Town Hall meeting will be held on Wednesday, Oct. 4, to give residents a chance to ask questions in the borough’s continuing battle to lower education costs.The town expects to pay $107,000 per pupil to send 31 borough students to Shore Regional High School, according to a letter mailed to property owners with their tax bills.Property owners were asked to sign the letter and send it to Gov. Christie, Senate President Stephen Sweeney, Assembly Speaker Vincent Prieto, state senators Joseph Kyrillos Jr. and Jennifer Beck, and Assembly members Amy Handlin and Declan O’Scanlon Jr. The goal is to enlist their aid in reducing school costs by revisiting the school funding formula.The letter thanks the legislators “for your time and any efforts you take to reform our school funding system and alleviate the crushing blow for Sea Bright taxpayers.”Included in the tax bill was also a letter signed by Sea Bright Mayor Dina Long and members of the Borough Council giving details about the school tax increase. It stated that a current homeowner with a home assessed at $529,748, saw the school tax portion of their property tax bill increase $710, from $2,304 to $3,014. The letter also stated that based on a series of calculations, Sea Bright’s contribution to the Shore Regional system has risen from $2.1 million in 2016 to $3.3 million in 2017.The town has filed a suit against Shore Regional, petitioning to have a referendum that could change the formula for how the towns in the regional district – Sea Bright, Monmouth Beach, Oceanport and West Long Branch – fund the school.Previously the costs were tied to the number of students in the school, but that was changed by the State Legislature to computing the cost to each town by the equalized value of its real estate.Later, the legislature decided to allow regional districts to base the costs to the towns on the number of pupils it sends to the districts.The petition filed by the borough said existing regional districts could only change the funding formula to pay per pupil “through a public referendum authorized by the existing school district” and seeks a vote on a referendum to return to sending towns paying per student.Mayor Long said the legal process of seeking a referendum on the issue continues, but it is now too late to get the question on a November ballot.She said she is attempting to make progress by discussing the issue with the Shore Regional Board of Education, and would prefer to work on the issue “with neighbors rather than litigation.”“Hope springs eternal,” Long said.Borough Administrator Joseph Verruni said the attorney who is representing the town in the suit filed against Shore, Vito Gagliardi Jr., will be at the Town Hall meeting, which will begin at 6:30 p.m., to discuss the issue and answer questions. Borough officials will also be present.Verruni said several other topics will also be discussed at the meeting and residents will be able to ask questions about them, including an update on the construction projects in the town and their financial status.This article was first published in the Sept. 21-28, 2017 print edition of the Two River Times.last_img read more

Big Bad Joel Stewart now a Nelson Leaf

first_imgBy Bruce Fuhr, The Nelson Daily Sports Leaf coach and GM Chris Shaw continues to tinker with the Kootenay International Junior Hockey League squad. The Leafs added 6’1, 190-pound winger Joel Stewart to the roster in a futures deal with the Spokane Braves. “(Joel) is a tough two-way player who can score goals and is a big-time agitator,” Shaw said Saturday when asked about his new recruit. “Guys (in this league) don’t like to play against him.” “I know the guys were saying when I told them I acquired (Joel) is about how they hated playing against that guy,” Shaw added. In 16 games this season with the Braves Stewart scored eight goals for 16 points. The larger stat may be Stewart’s 86 minutes in penalties. “He going to bring some secondary scoring as well as a little more toughness added to our team,” Shaw explained. Stewart is the latest deal for the rookie Leaf skipper. Last month Shaw acquired Kyle Alexander from the Flin Flon Bombers of the Saskatchewan Junior Hockey League. Alexander’s stay was a short one — two games before being traded south of the border to Helena, Mont.Shaw then picked up winger Evan Moir. The 6’2”, 190-pound Moir played with the Calgary Canucks of the Alberta Junior Hockey League. “With the core group of guys we have there might be one or two moves made,” Shaw said. “You never know what’s going to happen with injuries . . . . Right now we’re kind of hit with the injury bug so you’ve got to bring another player in when you’ve got a player out for four to six weeks.”sports@thenelsondaily.comlast_img read more

Sentinel grad, Kendra Wayling, joins Heat at Nationals

first_imgBy Bruce FuhrThe Nelson Daily SportsKendra Wayling once again is bound for a major tournament.The Mount Sentinel Wildcats grad is in St. John’s, New Brunswick to compete in the Canada College Athletic Association Women’s Volleyball Championships.The top-ranked Heat bent but didn’t break against the longtime rival Vancouver Island University Mariners last month at UBCO gymnasium in Kelowna, winning the B.C. Championship for the third consecutive year in five sets (25-27, 25-19, 25-21, 20-25, 15-7).The Heat advanced to the final with a straight set win (25-20, 25-17, 25-16) over University of the Fraser Valley.Top-ranked UBCO opens the tournament Thursday at 2 p.m. PST against host St. Johns.The other teams in the eight-team field include FX Garneau of Quebec City, Mount Allison of Sackville, NB, Humber College of Toronto, Nanaimo’s Vancouver Island and Alberta reps Grand Prairie and Mount Royal College of Calgary.Semi finals go Friday with the final set for Saturday at 3 p.m. PST.Wayling, 21, is no stranger to the spotlight.During her senior year at Mount Sentinel the 5’9” middle player led the Cats not only to the B.C. High School A Girl’s Volleyball title, but also the B.C. High School A Girl’s Basketball crown.After graduating, Wayling, who lives in Castlegar, played a season in Idaho for Coeur d’ Alene College before taking a year off to rehab an injury knee.UBCO, entering Nationals with a 20-6 overall mark and 13-1 in BCCAA league play, heavily recruited Wayling to come to Kelowna to play this past season for the Heat.Kendra Wayling is the sister of Katie Wayling who attends Palm Beach State College, located 60 miles north of Miami in Lake Worth, Florida.sports@thenelsondaily.comlast_img read more

Melanson makes it three in a row at Sunflower Open

first_imgBy Bruce FuhrThe Nelson Daily SportsIf this keeps up Jordan Melanson may have a difficult time getting a tee time at a local tournament.The Granite Pointe golfer found the winner’s circle for the third consecutive time, capturing the recent 2011 Sunflower Open at the Castlegar Golf Club.Melanson shot a 2-under-par 142 to win the title by three shots over a Kelowna golfer. Lindsay Walker of host Castlegar was third.“This tournament I putted much better than the previous two weeks,” Melanson, winning in Creston and the Zone One West Kootenay Men’s Qualifier over Granite Pointe teammate Josh Coletti, told The Nelson Daily.“(I was able) to tighten up that in the first round.”Cam Proctor won low net honours.Melanson opened the two-day, 36-hole tournament with a first round even-par 72.During round two the Simon Fraser University golfer ballooned somewhat to a 37 on the first nine before going 3-under 33 on the final nine holes.“I chipped in for eagle on (525-yard, par 5) 16 to pretty much secure the win,” Melanson explained.Melanson’s formula for success hasn’t been anything out of the ordinary. He just keeps it simple and the ball in play.“I keep the ball in play (off the tee), hit shots into the green below the hole, make a good stroke and hope it goes in,” said Melanson, adding the distance game has been able to increase by 10 percent thanks to work of SFU assistant coach Jared Boddy.The recent string of success has Melanson feeling pretty good heading into the provincial golf tournament circuit.“The great start to the summer has proven to me that the work I put into my game all winter is paying off, as I’m gaining more belief in myself and raising my expectations,” he said. “I hope to qualify for the Canadian Amateur again, and this time be able to make the trip to Winnipeg.”The B.C. Men’s Amateur Tournament goes July 12-15 at The Dunes at Kamloops.Three other members of the Zone One West Kootenay team — Josh Coletti, Ben Gresley-Jones of Rossland/Trail and former Granite Pointe player Brian DeBiasio, join Melanson in Kamloops.sports@thenelsondaily.comlast_img read more