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The Environment and US: The Best Bond For You

Human activities degrade the environment: harvesting resources without worrying about their renewal, deforestation, eradication of animal and plant species, pollution of water,soil, airand threaten the survival of all. The environmental challenge of sustainable development aims to implement daily actions to reduce waste, limit pollution, save resources to preserve them to maintain life on Earth. Environmental protection requires political will, strong involvement of companies, public authorities, all citizens, changing attitudes and changes in behavior of all. In the environment blog you can have the best suggestions.

Implement green initiatives projects focused on the overall preservation and enhancement of existing natural features

  • Partnering with the public and private sectors for projects that support and enhance the environmental quality of the Park, such as our participation in the Spare the Air Emissions Reduction Campaign.
  • Use the best technologies and practices available for the environment, where technically and economically feasible.

Actively participate in an integrated waste management system to reduce, reuse, recycle and compost

  • Develop an education around our commitment to the environment and conservation practices, train and motivate our employees to feel responsible for the environment
  • Ensure that water conservation is an essential component of all our plans
  • Actively participate in programs at our golf courses to improve environmental management
  • Propose and promote leadership in the areas of environmental protection, management and sustainability
  • Respect the laws and regulations in force concerning the environment

The recycling and composting programs within our Park have been recognized as a model for parks and other activities across the country. One of our major initiatives is the use of biodegradable plastic and recycling raincoats at Journey behind the fall, which welcomes millions of visitors each year.

Botanical Gardens & School of Horticulture

The Wood Chipping and Composting program has been in place for over twenty years at Niagara Parks! This policy has resulted in a significant reduction in the frequency of combustion and a reduction in air pollution by smoke, in addition to more bark mulch and wood chips to be used on the land. A windrow composting program for leaves and other organic materials has also been initiated to increase soil amendment programs for flower beds.

Above all, the primary role of protected areas is to contribute to the maintenance of biological diversity (protection of species and their genetic variability, ecosystems and ecological processes). They bring a wide variety of environmental, ecological, scientific, educational, social, cultural, spiritual and economic benefits.

Maintaining biological diversity

Protected areas contribute to the maintenance of biological diversity and ecological processes essential to life. They allow the dynamic evolution of wild species within the process of natural selection, and this, away from pressures and anthropogenic disturbances. They provide important environmental benefits such as oxygen production, soil creation and protection, pollutant absorption and reduction, improvement of local and regional climatic conditions, aquifer conservation, regulation and purification of watercourses.

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All you need to know about Jonathan Ullmer

Jonathan Ullmer, originally from Oxford, England, is a career educator with extensive experience working with students both within the United Kingdom and internationally. He began his teaching career in 1985 at the Swanley School in Kent, where he taught English and drama. In 1989, he was appointed Arts Curriculum Director at Cecil Jones High School 11-18 Foundation School in Southend. In 1990, he was appointed Assistant Principal at Sawyers Hall College of Science and Technology in Essex, where he remained until his retirement in 2011. Jonathan began his academic career as Vice-Principal at Cambridge Arts, Technology, and Science (CATS) College Cambridge in 2008, eventually rising to the position of Principal at CATS Canterbury in 2010.

In 2017, Jonathan Ullmer accepted an invitation from Haileybury to serve as the head of their school in Nur-Sultan, Kazakhstan’s capital city, and he has been there since. He eventually guided the institution through a highly successful inspection that resulted in ‘excellent international practise’ ratings in 17 of the school’s 19 areas, earning him the title of inspector-in-chief Accreditation by NEASC and the Commonwealth of Independent States (CIS) was also a major part of Jonathan’s work at the school (CIS). Both of these accreditations are critical to the school’s ability to provide globally recognised and certified American graduation. Jonathan also oversaw the school’s highly successful accreditation by the New England Association of Schools and Colleges (NEASC) and the Council on International Schools (CIS), which prepared the school to be able to offer American graduation, as well as the school’s first highly successful International Baccalaureate results. While he was in charge, the school was nominated for a Times-Independent Schools Award and received two honours, one for its student leadership programmes and the other for its Kazakh language instruction. During his tenure as principal, he oversaw the achievement of the school’s first highly successful International Baccalaureate results, which were gained under his supervision. Additionally, under his administration, the Nur-Sultan branch of Haileybury was nominated for a Times Independent School award and got two distinctions for its student leadership activities and the teaching of the Kazakh language.

Conclusion

Jonathan Ullmer is the principal of Haileybury School in Nur-Sultan, Kazakhstan. He began his academic career in 1985 at the Swanley School in Kent. During his tenure as principal, he oversaw the achievement of the school’s first highly successful International Baccalaureate results.

Is Olive Oil Healthy to Drink?

We have heard that drinking olive oil is very beneficial for our health. It is one of the popular sources of healthy fat available to us. People consume it in multiple forms to get health benefits. Olive oil has multiple uses. It is used in cooking, cosmetics, and another therapeutic medium. But most people have a common question: is olive oil healthy to drink? Because they do not have the proper information about the good qualities and beneficial effects of olive oil. Olive oil contains a lot of antioxidants and anti-inflammatory properties. It can be said according to a lot of experts and dieticians that drinking olive oil is very beneficial for health and it can prevent many health issues like- heart disease, high LDL cholesterol, digestion problem, inflammation, hair and skin problem, etc. It is said that drinking ¼ cup (60 ml) olive oil regularly in the morning is more effective than using it in cooking or meals. Researches prove that drinking olive oil may offer several health benefits-

  • Heart Disease- Olive oil can help to prevent any type of heart disease. It contains two types of healthy fat which help to decrease bad cholesterol levels. Thus, it reduces the risk of heart disease and heart attack.
  • Inflammation- The antioxidant and anti-inflammatory properties present in olive oil can help to prevent any type of inflammation in our body.
  • Digestive system- Olive oil helps to reduce the production of gastric acid which is very helpful for a healthy digestive system.
  • Blood sugar- Olive oil can reduce glycemic response to high-glycemic foods which can help to manage Type 1 and type 2 diabetes.
  • Healthy Skin and Hair- Olive oil contains high vitamin E and vitamin K which are very essential for maintaining healthy hair and skin.
  • Reduce Constipation- Consuming olive oil may soften stool and relieve constipation.
  • Support bone health- The properties present in olive oil can help to increase bone density. It is very significant, especially for women who are suffering from low bone density.
  • Weight loss- Consumption of olive oil in moderation can help to reduce weight. Olive oil contains oleic acid which gives the feeling of fullness and promotes the feeling of satiety that helps us to reduce our appetite.
  • Prevent Colon Cancer- Olive oil is full of antioxidants that may prevent the formation of free radicals in the body. It helps to reduce the risk of colon cancer. So, drinking olive oil can save you from colon cancer.

                          So, Olive oil can be a part of a healthy diet to get many health benefits. Moreover, it can be more effective when it is consumed in moderation. Regularly consuming olive oil can help you to get better health. You can make an amazing morning drink by using a tablespoon of olive oil, ripe lemon juice, and a little bit of water. However, more research is needed to determine whether drinking olive oil is better than using it in regular amounts as part of a nutritious diet.

Everything you need to Know about FHA Streamline Refinansiering

FHA Streamline Loan Requirements

What is a Federal Housing Administration streamline refi option? It is a unique government program for property owners who have an FHA or Federal Housing Administration debenture and want to remortgage. A Federal Housing Administration streamlines remortgage program is a lot easier compared to traditional housing loan remortgage since borrowers are not required to verify their assets and income. 

An assessment is also not required. It saves homeowners a lot of money, time, and energy in the process. Arguably, one of the biggest benefits of this scheme is that it allows an unlimited LTV or Loan-to-Value ratio. What does it mean for property owners? 

It means that they can still take advantage of a Federal Housing Administration to streamline refi options, even if they are upside down on their housing debenture. It is a cost-effective and fast way to remortgage that comes with credit standards and flexible documentation. Learn how Federal Housing Administration streamlines remortgage works for property owners to better their financial standing.

Requirements to streamline remortgaging

  • Property owners should have a Federal Housing Administration home debenture to remortgage with an FHA-approved lending firm
  • Currently, live in a house they are refinancing
  • Cannot have made more than two thirty-day late debenture amortizations in the past twelve months
  • Have not completed FHA streamline remortgages in the past six months

A minimum debenture score is unnecessary for this type of remortgaging, but financial institutions may require it.

What are its benefits?

  • Minimum credit scores are not required
  • No LTV limits
  • Income verification is not required
  • Appraisals are not required

This remortgaging is a quick and easy process for borrowers. The eligibility requirements are pretty simple. And people save a lot of money in fees that they would have to pay with a conventional remortgage.

How does this kind of refinance work?

There are two kinds of FHA streamline remortgage: credit qualifying and non-credit qualifying. There are differences in what the government requires for these types of remortgages.

Credit qualifying remortgaging

It requires the financial institutions to provide evidence that the individual has a good credit history, as well as the ability to pay their mortgage. It is a common option for situations in which there is a change in terms that results in an increase in the monthly amortization.

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Mortgage Refinance Basics: How it Works | MyBankTracker

Non-credit qualifying remortgaging

Borrowers should not assume that they will be able to move forward with this type of refinancing without credit checks. It is readily available only to property owners who have owned their houses for at least six months. The kind of plan must take place at least seven months after the closing date of the original debenture. 

Property owners who are concerned about their debentures might want to avoid this refi until they improve their scores. To make this process possible for homeowners, it does not require appraisals. The initial purchase price of the property is used instead. 

It also does not need a financial or credit report for non-credit-qualifying remortgages. But reports are needed for credit-qualifying refinances. Regardless, the financial institution might ask individuals for these reports as part of their policies. The scheme does not ask for the asset or bank statement and doesn’t require home assessments.

Are there any closing costs?

Like most debenture types, closing costs are involved. This type of refi option does not allow individuals to roll these costs into their new refi. So costs are needed to be paid in advance or financed separately. People could try to get a no-cost FHA refi instead to avoid more expenses. 

Lending firms that offer no-cost remortgages charge higher interest rates on new debentures compared to if individuals financed or paid closing costs in advance. In return, lending firms pay closing costs incurred during the process. You do not want to limit searches to no-cost FHA refi lending firms.

Are cash-outs possible?

The bad news is there are no cash-out options with this kind of refi.

Is this option a good idea?

 It depends if the borrower is getting a lower IR or reducing their debenture term.

Getting a lower IR

If IRs get low, individuals tend to refi to get into better rates and lower their monthly amortization. If IRs are on the upward trend, it is best to wait until they go down again.

Shortening the term

Another case for this type of remortgaging is to minimize the loan length. There are conditions to get the most out of this benefit. 

  • Borrowers decrease how long it will take for them to repay the loan
  • The new IR will be a lot lower compared to their current one
  • The new monthly amortization does not exceed the refi mortgage by more than fifty dollars

In short, people can use this debenture to shorten their loan term as long as their IR does not go up and their monthly amortization does not go more than fifty dollars. Use a remortgage calculator to see if it is even worth the time, money, and energy.

Benefits of money lenders

It’s the end of the month and all you need is a small amount of money to get by the month, or you have a promising opportunity but for a brief period but need to arrange a lot of money for it. Be it real Estate, any other business requirement that needs money in a very short period or an emergency that you need to be taken care of loans are the way to go by when short on funds. But when we go to the usual sources of loans like banks they sometimes take a month to process the loan which is frankly not what we need. This is where money lenders come in, browse through good at money lending in toa payoh central to get a quick loan. And see below some benefits of money lenders.

There are only a few requirements.

You have a higher chance of getting your loan accepted if you only have a few needs, as opposed to lenders that have long lists of requirements and are notorious for rejecting loan applications. Money lenders have few conditions, which increases the likelihood of the application being granted and the loan being secured.

Gets you the deal.

Imagine this, in todays fast pacing world opportunities are hard to come by and if they are up for grabs there is a lot of competition. So, when an opportunity does present itself it is very important to grab it as quickly as possible and not let it slip away. This is where money lenders sometimes play a very important role. As we all know that banks sometimes take up to a month to process loans and there is still a chance of rejection at the end of it. With every passing day the opportunity fades away. This is why it can be easier and a more rational decision to go to a money lender and seek loan which is credited within days and get the deal on the table.

Flexibility.

When it comes to loan conditions, the main advantage of working with money lenders is that they are more flexible. They sort things out with you and have a greater understanding of what you require. They will then design the ideal packaging or product to meet your requirements. If you want to engage with a private lender, all factors such as loan costs, application criteria, and interest rates, among others, are negotiable, and you may pick the conditions that best suit your needs.

Conclusion.

Money lenders are a great option for financing especially short-term financing that gets you out of emergencies or makes sure that you have the requirement fulfilled. It is easy to secure flexible per requirement and applicant and efficient ensuring that one can secure a loan with the least of hassles and requirements.

Financial Planner Darcy Bergen Recently Discussed Traditional IRA Rules You Need to Know

Monday, December 13, 2021, 5:38 PM

Financial planner Darcy Bergen recently discussed Traditional IRA rules you need to know. 

PEORIA, AZ / DEC. 13, 2021 / Experts suggest saving for retirement as early in life as possible. However, it can be difficult to begin saving for retirement if you don’t fully understand your options. Financial planner Darcy Bergen recently discussed the rules you’ll want to know when contributing to a Traditional IRA.

What Is an IRA?

Bergen began by explaining that an IRA is a personal retirement account. An individual can make a pre-tax contribution, and that contribution grows over time tax-deferred. The individual then pays income tax on withdrawals made from the traditional IRA.

“There are many benefits to a Traditional IRA,” Darcy Bergen said. “These include cutting your tax bill, saving from retirement, and having many investment opportunities to choose from. A qualified financial planner can help you determine if an IRA is a good retirement option for you.”

Traditional IRA Rules

Several rules apply to Traditional IRAs. There are contribution limits per year of $6,000 in 2021, and $7,000 in 2022 for individuals 50 or older. These contribution limits remain the same, even if you’re also contributing to a 401(k) or another workplace savings plan. Contributions to an IRA can be made by transferring money from another retirement account.

Traditional IRAs are not taxed until you begin using the money. Early withdrawals are taxed as income and include a 10 percent penalty fee. Withdrawals in retirement are simply taxed as income. 

Additional Traditional IRA rules include:

  • You can take distributions without penalty beginning at age 59 1/2. 
  • You can wait to take distributions from your Traditional IRA, but must begin taking distributions once you reach 70 1/2 or 72, depending on when you were born.
  • Everyone is eligible for a Traditional IRA. 

Benefits a Traditional IRA

There are several benefits of choosing a Traditional IRA over other retirement account options. One of these advantages is that there are no income limits to open or contribute to a Traditional IRA. 

Traditional IRAs grow tax-deferred. This means you pay taxes later than with a standard brokerage account. Another major benefit of a Traditional IRA is that you can use the money to pay for some college expenses without paying a penalty for withdrawing early. However, it’s important to remember that you’ll pay taxes on that withdrawal.

Up to $10,000 of a Traditional IRA can be put toward the purchase of your first home. Similar to the above-mentioned college expenses, you’ll pay taxes on the distribution you take for the home. However, a penalty fee will not be applied. 

Traditional IRA Cons

Bergen explained that a Traditional IRA may not be ideal for everyone, especially those who want to take their money out of the Traditional IRA early. Those who take distributions before age 59 1/2, incur an additional 10 percent penalty fee.

Some individuals also see the need to take minimum distributions out of the IRA at age 72 as a disadvantage. Minimum distributions are not required with a Roth IRA. 

Some workplace retirement plans also alter the ability to deduct Traditional IRA contributions. Higher-income individuals may lose the ability to deduct Traditional IRA contributions.

Contact Darcy Bergen

Darcy Bergen of Bergen Financial has been helping individuals plan for retirement for decades. He suggested making an appointment with a qualified financial planner to discuss which retirement planning options are best for you. 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a Registered Investment Advisor. Sub-advisory services are provided by Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, Consulting and Education services offered through Bergen Financial Group. Bergen Financial Group is a separate and unaffiliated entity from Simplicity Wealth and Advisory Alpha.

DAVID N’GOG: LIVERPOOL TROPHY HAUL REVEALED

French striker David N’Gog came to Liverpool with a lot of potentials on the back of his transfer from Paris Saint Germain (PSG). He had started his professional career at PSG on the back of his impressive youth career at the same club. David N’Gog moved to Liverpool in 2008 after they paid an undisclosed fee for him and on the back of a run of one goal in 18 league appearances in the colours of PSG.

Then Liverpool manager Rafael Benitez hailed his signing when David N’Gog completed his transfer to Anfield. The Spaniard was delighted with his scouting network for finding a quality player who’s not accompanied with a high price. Liverpool fans would have been excited with the statement from Benitez who had won the 2005 Champions League title and the 2006 FA Cup title for the club at that stage. However, their excitement was replaced by disappointment as David N’Gog failed to make a big impact with the Reds though it must be noted that the Frenchman had a little playing time to show his quality in the Premier League due to the form of Fernando Torres who was one of the best strikers in the world at the time.

In total, N’Gog scored nine goals in 63 league games for Liverpool over a period of three years. The Frenchman didn’t win a single trophy during his time at the club.

N’Gog made the decision to leave Liverpool in search of more playing time after Torres left for Premier League rivals Chelsea in January 2011 for a then club-record fee of £50m. Torres’ exit plus the arrival of the striker duo of Luis Suarez and Andy Carroll led to N’Gog moving to Bolton Wanderers. He continued his career at Bolton on the back of a £4m transfer from the Reds.

ARSENAL: DIABY TROPHY RECORD DISCLOSED

Frenchman Abou Diaby scored 14 goals in 124 Premier League games during his eight-year spell as an Arsenal player. Diaby could have played more league games if not for the various injuries that affected his output as an Arsenal player. Abou Diaby was dubbed the next Patrick Vieira when he left Auxerre to join the Gunners in January 2006. However, the trajectory of his Arsenal career changed when he was on the end of a poor tackle from Dan Smith during the league win over hosts Sunderland. That tackle led to a series of various injuries throughout his stay in North London.

Abou Diaby was rarely in the Arsenal during the latter years of his career at the club, but he still managed to win the FA Cup title. As a matter of fact, he won the FA Cup in his last season as an Arsenal player as the club was able to end their nine-year wait for a major trophy. The trophy drought came to an end thanks to the comeback win over Hull City in the final.

French international Abou Diaby missed out on the final against the Tigers who stunned the iconic Wembley Stadium by scoring twice inside the first ten minutes. The goals came from the centre back duo of James Chester and Curtis Davies as the Gunners failed to deal with the aerial prowess of their opponents.

Arsenal were given a lifeline when petite Spanish international Santi Cazorla scored a freekick on 17 minutes to pull a goal back for his team. The North Londoners chased the equaliser until the 71st minute when an unlikely source in Frenchman Laurent Koscielny got it for his team. The two teams had to go into extra time after sharing four goals in 90 minutes. In the end, Welshman Aaron Ramsey scored the winning goal in the second half of extra time to give the Gunners the FA Cup title via a 3-2 win.

In addition tothe FA Cup title, Abou Diaby could have won the 2006/07 League Cup title. He featured in the final as Arsenal lost a lead to lose 2-1 to Chelsea.

PREMIER LEAGUE: CECH PREDICTS TITLE RACE

Chelsea legend Petr Cech has predicted the Premier League title race in a chat with TalkSPORT. According to him, the Premier League title won’t be a two-horse race, referring to Chelsea and defending  champions Manchester City. The likes of West Ham United and Liverpool have also impressed in the league this season.

Petr Cech has been impressed with the start made by Chelsea this season. He also praised the coaching crew and how they have been able to take the team to the Premier League summit despite the lack of a quality pre-season.

Ex-Chelsea goalkeeper Petr Cech also touched on the Burnley game on Saturday and how they were lucky to leave Stamford Bridge with a point. The Czech football legend expressed his happiness with the quality of football played against the Clarets and that Chelsea were unlucky not to pick up the three points that would have extended their lead at the summit to five points.

Petr Cech is the performance and technical director at Chelsea and he has been in the role for two years and counting.

Chelsea began the Burnley game with a two-point lead over rivals and defending champions Manchester City in second place. Manchester City had beaten Manchester United 2-0 away from home in the derby thanks to the goals from Eric Bailly (own goal) and Bernardo Silva to close the gap on the Blues to two points. Chelsea had five more points than Manchester City ahead of the last round of games.

With the 1-1 home draw with Burnley, Chelsea were unable to stretch their advantage over City to five points. The Blues took the lead through German national team star Kai Havertzin the first half and they wasted several opportunities to add to their lone goal, before substitute Matej Vydra scored in the last eleven (11) minutes to rescue a point for the Clarets.

RICE PULLS OUT OF ENGLAND SQUAD

West Ham United midfielder Declan Rice won’t be available for the England gamesduring the current international break after he pulled out of the squad due to illness.

The England squad has been rocked with several withdrawals ahead of the Qatar 2022 World Cup qualifying games against Albania and San Marino.

While Rice has pulled out of the squad for the two aforementioned matches, the availability of Chelsea star Mason Mount is still in doubt after dental surgery. Mount underwent dental surgery earlier this week and it has not been decided if he would link up with his national team colleagues.

England manager Gareth Southgate has not called up a replacement for West Ham Unitedstar Rice. Crystal Palace midfielder Conor Gallagher is the obvious candidate if Southgate decides to invite a replacement for Rice. However, Gallagher is expected to start for the England u-21 team against Czech Republic in a qualifier scheduled to take place at the Turf Moor on Thursday evening. Gallagher is on a season-long loan deal at Crystal Palace from Chelsea having joined the Eagles at the start of the season. He has four goals and two assists in the Premier League this season. His form has propelled Palace into the top half of the league table

Apart from Rice, the trio of James Ward-Prowse, Luke Shaw and Marcus Rashford will also miss the England games.

Southampton midfielder Ward-Prowse has pulled out of the England games due to illness. For Manchester United left-back Shaw, the England games will come too soon for him after he suffered concussion while he was in action for his team during the Manchester Derby on Saturday.Manchester United attacker Rashford will also miss the England games ahead of the World Cup qualifiers as heconcentrates on getting back to full fitness after recent shoulder surgery.

Nils Larsen Manager: Avoiding Financial Planning Problems and Mistakes

Nils Larsen Manager has watched far too many people make simple mistakes that impact their financial development. These concerns are troubling and often come out of a lack of knowledge. Thankfully, he can provide the education that people need to avoid making severe financial errors.

How Nils Larsen Manager Avoids Financial Mistakes

The first mistake that Nils Larsen Manager sees far too many people make is believing that it’s too early to start creating a financial portfolio. They may not think that they have enough money to start or feel they have plenty of time to get going. That mistake is one reason why so many people have no retirement budget or plan. It’s never too early to start working with a financial expert to plan your future.

Don’t make that mistake! Instead, he suggests creating a budget that limits your spending and allows you to start saving. Of course, any savings is better than nothing, especially if you’re putting it in a savings account or matching 401(k). Even an IRA is better than spending your money too soon, so be careful about how you finish. Have fun, of course, but don’t go overboard with it.

Another common mistake is not diversifying your portfolio enough or investing in just one thing. Nils Larsen Manager knows far too many clients who focused just on a 401(k) or Roth IRA and ended up losing their money when the stock market tumbled. This kind of up and down can be upsetting to your financial and mental health and can be avoided by diversifying your portfolio appropriately.

Make reasonable goals with your diversification and your plans. For example, having around $500,000 in a 401(k) may seem fantastic when you retire at 65. But if you end up living into your 90s, that money could be running out, and you may be in a dangerous situation. So don’t put all your eggs in one basket! Instead, expand your investments and find more than just a retirement package like this to save your cash.

Another major mistake that Nils Larsen Manager sees people make is not planning for health emergencies or expecting to handle this planning themselves. Unfortunately, health emergencies happen and can be unpredictable when they do. Many people may find themselves in a tough financial spot and have a hard time digging their way out if they didn’t correctly plan.

A good rule of thumb is to save at least 10% of your cash towards potential health emergencies. Set up a medical savings account and funnel some of your income here. This account is not taxed, lets you use the money for emergencies, and is an excellent addition to your portfolio. Unfortunately, too few people understand this potential benefit and end up struggling to pay for medical bills due to this mistake.