A rising number of 20-somethings don’t have credit cards, and they want a different kind of relationship with financial advisors, too.by: Kimberly PalmerMore than one-third of 18- to 29-year-olds have never had a credit card, according to a survey of 1,000 adults released last month by CreditCards.com. Thanks to the 2009 Card Act, which put strict limits on how credit cards are marketed and issued to young people, as well as the Great Recession, which seems to have made young adults more hesitant to take on debt, credit cards are no longer a wallet staple.“For college students, it’s a whole lot harder to get a credit card than it used to be,” says Matt Schulz, senior industry analyst for CreditCards.com and U.S. News Money blogger. When he was in college 25 years ago, he recalls credit card offers all over campus. “There were tables offering Frisbees and T-shirts for signing up, and that just isn’t happening anymore because of the Credit Card Act,” he says. Now, he adds, college students stick with debit or prepaid cards instead.Those shifting credit card habits are just the beginning of what makes millennials different when it comes to money. Financial experts who work with millennials also say they’re looking for a different type of relationships with financial advisors, including more virtual communication via Skype calls or even social media. They also want to understand their investments and make sure they’re keeping fees to a minimum, which differs from the more hands-off approach favored by their parents’ generation.“Millennials are skeptical toward the financial industry. They lived through the Great Recession and are distrustful of Wall Street, but at the same time, they are engaged in their finances and want to manage their money,” says Silviya Simeonova, a senior analyst at Corporate Insight, a consulting and research firm. continue reading » 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
This Day in History: Haiti’s Prime Minister Appeals For Help to End RevoltOn this day in Caribbean history, on February 17, 2004, Haitian Prime Minister, Yvon Neptune, made a plea for international to help end the violent uprising against President Jean-Bertrand Aristide, which killed at least 57 people.Neptune made his plea after former soldiers joined the rebellion, resulting in the burning of a police station, killing three police officials, freeing the imprisoned, and seizing Hinche, a city 70 miles northeast of Haiti’s capital Port-au-Prince.Witnesses said Louis- Jodel Chamblain, a death-sentenced former soldier and leader of paramilitary group FRAPH, led the rebellion. FRAPH maimed and killed hundreds of Aristude supporters during the military dictatorship between 1991-1994.This Day in History: The 1991 coup d’etat in Haiti took placeColin L. Powell, Secretary of State during that time, told CNN reporters there needs to be a “political solution” and only then would nations offer police presence.United States in the past has staged three military interventions to the island nation.Dominique de Villepin, then French Foreign Minister, called a meeting to discuss the risks of sending peacekeepers to the former French Colony, which was home to 2,000 French citizens at the time.Ron Redmond, then spokesman for the U.N. High Commissioner for Refugees, said representatives were meeting with U.S. and Caribbean officials to discuss how to handle the Haitian rebellion.
The Jamaica Darts Association (JDA) has selected a 26-member training squad (16 men and 10 women) for the Caribbean Championships which will be staged in Barbados in July and August 2016.The squad will undergo a period of intense training after which a final cut will be made at the end of the first quarter of 2016. The team complement for the championships will be eight men and five women.The players selected were drawn from various teams now competing in the JDA RumBar Dart League. The next RumBar League match will be on January 10 at the Montego Bay Cricket Club.The training squad members are:MEN: Albert Bailey, Anthony Johnson, Colin Chandia, Damion Cheese, David Green, Dwight Smith, Evon Faulkner, Gairy Cowan, Glenmore Nembhard, Lynford Jonas, Mark Birthwright, Marco Walters, Ralph Clunie, Raymond Ferguson, Shawn Noteman, Winston FergusonWOMEN: Carol Cheese, Catherine Stewart, Collette Williams, Jennifer Reid, Loraine Nembhard, Mernel Brown, Norma Bowen, Princess Brown, Shavelle Graham and Tracey Tapper.
Bain’s distillers attribute part of its success to the distillery’s location. “Our whisky showcases South Africa’s ability to produce a premium, specialist whisky of an award-winning international standard while reflecting a unique taste of place,” Bain’s said. “Only the finest South African grain is used to create our elegant premium whisky. “Made from water that flows over 850-million year old sandstone and indigenous fynbos, Bain’s Cape Mountain Whisky holds a unique and distinctive flavour profile,” the producers said. It has won several awards since its launch, including silver medals at the 2010, 2011 and 2012 editions of the International Spirits Challenge and gold medals at the 2011 and 2012 editions of the International Wine and Spirits Competition. “By taking the World’s Best Grain Whisky title, we have amply demonstrated that South Africa can make exceptional whiskies,” Green said. “The 2013 title follows last year’s win by Three Ships 5 year old of the WWA’s World’s Best Blended Whisky, [and] puts South Africa as a whisky-producing country squarely on the map.” SAinfo reporter 26 March 2013 Bain’s Cape Mountain Whisky secured a first for South Africa when it was named the world’s best grain whisky at Whisky Magazine’s annual World Whisky Awards in London last week. More than 300 whiskies had to make it through three blind tasting rounds – judged by journalists and retailers, with master blenders, distillers and brand ambassadors in the final round – to be crowned best in their categories. “South African whisky featured in the top ranks again this year with Bain’s winning the title of World’s Best Grain Whisky,” the magazine said. “This isn’t just a win for this brand but for South African whisky-making,” Bain’s distiller, Jeff Green, said in a statement. Bain’s was established in 2009 at the James Sedgwick Distillery in Wellington in the Western Cape. It became the first single grain whisky to be produced in South Africa.
Tags:#Analysis#enterprise Last month Gartner released its Magic Quadrant for Cloud Infrastructure as a Service and Web Hosting. The report positioned AT&T, Rackspace, Savvis, Terremark and Verizon as the leaders. Controversially, Amazon.com didn’t make the cut as a leader partially because it doesn’t offer certain features such as managed hosting or options for hybrid clouds. Amazon.com and many of the other providers ranked are focused on developers and on providing web services, not hosting virtualized enterprise applications such as ERP. 3 Areas of Your Business that Need Tech Now IT + Project Management: A Love Affair Cognitive Automation is the Immediate Future of… Related Posts Massive Non-Desk Workforce is an Opportunity fo… klint finley Gartner gauges companies based on several criteria for each Magic Quadrant, and one is usually “completeness of vision.” By this measure, Amazon.com does lag some of its competitors. We’ve also noted that even with the recent price reductions Amazon.com’s support is considerably more expensive than its competition. But that doesn’t mean it offers a worse service.When selecting a vendor for anything, whether that’s on-premise hardware or SaaS, it’s important to assess your specific needs. Many of Amazon.com’s customers don’t need or want to the services that Gartner notes are absent. Looking at an analyst ranking doesn’t give you a customized view of the situation – it gives you a very generalized view.This doesn’t meant there’s no value in the reports, but it does mean that there’s very little value in just looking at the quadrant graphic. We had a good conversation about the value of the Magic Quadrant reports in particular in the comments of this post. This thread on Quora dives into how relevant analyst firms like Gartner and Forrester will be in the future. ccLoop CEO Michael Wolfe, makes a great point: “If I want to spend $10m on a piece of enterprise software, I spend $5K on a report written by a single analyst a year ago?” He suggests that what we need is a “Yelp for Enterprise.”Venkatesh Rao suggests LinkedIn could become the Yelp of enterprise. We’ve written before about how LinkedIn Company Pages can be used to evaluate vendors:Although we doubt these social network reviews will take place of journalists and analyst firms, it would be nice to have one more way of learning about a company before signing on the dotted line. The challenge for LinkedIn will be keeping recommendations authentic and keeping the whole thing from turning into a giant spam pit.That remains true today. LinkedIn Pages or some other well-vetted review site for enterprise products and services would make a great compliment to existing resources. Gartner gets customer testimonials while preparing the Magic Quadrant reports. A “Yelp for enterprise” would give decision makers the chance to look at those testimonials directly, decide how relevant the comments are to their organizations and possibly even real customers directly.Another way analyst firms could evolve is by providing more dynamic information sources to replace or compliment static reports. Although Gartner mentions that it might update the Magic Quadrant reports during the year if there’s a significant development, it hardly feels like the reports are up to date. Real-time data – possibly even complimented by aggregating information from multiple “Yelps for enterprise” – could be embedded into reports to keep them fresh.What do you think? What would make it easier for you to make decisions?
Editor’s note: This post was originally published by our partners at PopSugar Tech.Square’s pocketable plastic accessory changed the game for mobile payments, and now the company is hoping to make the same waves in the development of women in engineering. For the second year in a row, the San Francisco-based startup is hosting a ladies-only, all-expenses paid Code Camp at Square to encourage more women to pursue opportunities in engineering and technology.But this time the program, which takes place at Square HQ in San Francisco, will reach more girls. Square is splitting its engineering workshops into a High School Code Camp and a College Code Camp.The High School Code Camp will span eight months, and is designed for young women based in San Francisco who are preparing for the AP Computer Science exam. During the camp, the participants will attend lectures, programming sessions, and mobile development workshops with Square engineers. Only eight female high school students will be selected for the program, so submit your essay by September 27. Related Posts 7 Types of Video that will Make a Massive Impac… Tags:#Code Camp#coding#PopSugar Tech#square#women in tech How to Write a Welcome Email to New Employees? Why You Love Online Quizzes College students will be invited for a four-day immersion that includes learning new coding languages, leadership building activities, and taking a tour around the city. Square is extending the College Code Camp program to 20 future leading ladies in computer science this year (last October, Square only accepted 15).In Women 2.0, Monica Starr, a Wellesley College junior who participated last year, said that Tech Trek, which are two and a half hour intensives in different areas of engineering, made her a “stronger developer.” Brush up your resume and submit an essay explaining why you’d like to be a part of the program online at squareup.com/codecamp by October 25.Don’t know how to code yet? Join your sisters in software by considering these all-female coding camps.More stories from PopSugar Tech:Sneaky, Sneaky: How to See When Recipients Open Your Emails7 Glasses Straight Out of Science Fiction4 Features in Volvo’s Concept Coupe That We’re CovetingThe 10 Hottest Geek Moments of the SummerHow Does the Human Body Work? Tinybop Demystifies Our Anatomy nicole nguyen Growing Phone Scams: 5 Tips To Avoid
DefinitionAn extradural hemorrhage is bleeding between the inside of the skull and the outer covering of the brain (called the “dura”).Alternative NamesExtradural hematoma; Epidural hematomaCauses, incidence, and risk factorsAn extradural hemorrhage is often caused by a skull fracture during childhood or adolescence. This type of bleeding is more common in young people because the membrane covering the brain is not as firmly attached to the skull as it is in older people.An extradural hemorrhage occurs when there is a rupture of a blood vessel, usually an artery, which then bleeds into the space between the “dura mater” and the skull. The affected vessels are often torn by skull fractures.This is most often the result of a severe head injury, such as those caused by motorcycle or automobile accidents. Extradural hemorrhages can be caused by venous (from a vein) bleeding in young children.Rapid bleeding causes a collection of blood (hematoma) that presses on the brain, causing a rapid increase of the pressure inside the head (intracranial pressure). This pressure may result in additional brain injury.An extradural hemorrhage is an emergency because it may lead to permanent brain damage and death if left untreated. There may be a rapid worsening within minutes to hours, from drowsiness to coma and death.SymptomsA health care provider should be consulted for any head injury that results in even a brief loss of consciousness or if there are any other symptoms after a head injury (even without loss of consciousness).advertisementThe typical pattern of symptoms that indicate an extradural hemorrhage is loss of consciousness, followed by alertness, then loss of consciousness again. But this pattern may NOT appear in all people.The most important symptoms of an extradural hemorrhage are:ConfusionDizzinessDrowsiness or altered level of alertnessEnlarged pupil in one eyeHeadache (severe)Head injury or trauma followed by loss of consciousness, a period of alertness, then rapid deterioration back to unconsciousnessNausea and/or vomitingWeakness of part of the body, usually on the opposite side from the side with the enlarged pupilThe symptoms usually occur within minutes to hours after a head injury and indicate an emergency situation.Signs and testsThe neurological examination may indicate that a specific part of the brain is malfunctioning (for instance, arm weakness on one side) or may indicate increased intracranial pressure.If there is increased intracranial pressure, emergency surgery may be needed in order to relieve the pressure and prevent further brain injury.A head CT scan will confirm the diagnosis of an extradural hemorrhage and will pinpoint the exact location of the hematoma and any associated skull fracture.TreatmentAn extradural hemorrhage is an emergency condition! Treatment goals include taking measures to save the persons life, controlling symptoms, and minimizing or preventing permanent damage to the brain.Life support measures may be required. Emergency surgery is almost always necessary to reduce pressure within the brain. This may include drilling a small hole in the skull to relieve pressure and allow drainage of the blood from the brain.Large hematomas or solid blood clots may need to be removed through a larger opening in the skull (craniotomy). Medications used in addition to surgery will vary according to the type and severity of symptoms and brain damage that occurs.Anticonvulsant medications (such as phenytoin) may be used to control or prevent seizures. Some medications called “hyperosmotic agents” (like mannitol, glycerol, and hypertonic saline) may be used to reduce brain swelling.Expectations (prognosis)An extradural hemorrhage has a high risk of death without prompt surgical intervention. Even with prompt medical attention, a significant risk of death and disability remains.ComplicationsThere is a risk of permanent brain injury whether the disorder is treated or untreated. Symptoms (such as seizures) may persist for several months, even after treatment, but in time they usually become less frequent or disappear completely. Seizures may begin as many as 2 years after the injury.In adults, most recovery occurs in the first 6 months, with some improvement over approximately 2 years. Children usually recover more quickly and completely than adults.Incomplete recovery is the result of brain damage. Other complications include permanent symptoms such as paralysis or loss of sensation (which began at the time of the injury), herniation of the brain and permanent coma, and normal pressure hydrocephalus, which can lead to weakness, headaches, incontinence, and difficulty walking.Calling your health care providerGo to the emergency room or call 911 if symptoms of extradural hemorrhage occur.Spinal injuries often occur with head injuries, so if you must move the person before help arrives, try to keep his or her neck still.advertisementCall your health care provider if symptoms persist after treatment, including memory loss, difficulty maintaining attention, dizziness, headache, anxiety, speech difficulties, and complete or partial loss of movement in part of the body.Go to the emergency room or call 911 if emergency symptoms develop after treatment, including breathing difficulties, convulsions/seizures, decreased responsiveness, loss of consciousness, enlarged pupils, and uneven pupil size.PreventionAn extradural hemorrhage may not be preventable once a head injury has occurred.To minimize the risk of head injury, use appropriate safety equipment (such as hard hats, bicycle or motorcycle helmets, and seat belts).Follow general safety rules. For example, do not dive into water if the water depth is unknown or if rocks may be present. Use appropriate safety precautions in sports, recreation, and work. Drive safely.ReferencesBiros MH, Heegaard WG. Head injury. In: Marx JA, ed. Rosen’s Emergency Medicine: Concepts and Clinical Practice. 7th ed. Philadelphia, Pa: Mosby Elsevier; 2009:chap 38.Review Date:7/4/2012Reviewed By:Jacob L. Heller, MD, MHA, Emergency Medicine, Virginia Mason Medical Center, Seattle, Washington. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M. Health Solutions, Ebix, Inc.