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Credit unions turn borrowers into savers

first_imgSaving money by taking out a loan may sound counterintuitive, but a program offered by some credit unions is aimed at having consumers do just that.“Borrow and Save” programs, which tie small loans to forced savings by the borrowers, showed promise in a recent pilot test at 12 credit unions, said Andrew Downin, managing director of innovation at the nonprofit Filene Research Institute, a consumer finance research organization.“The goal is to establish a behavior and a habit of saving,” Mr. Downin said.This month the institute published a study of several new financial products, including Borrow and Save. The loan program was initially used by members of the National Federation of Community Development Credit Unions as a way to help their low- and moderate-income customers avoid high-cost borrowing and build savings for emergencies. The Filene Institute conducted the broader pilot over 16 months with a grant from the Ford Foundation. continue reading » 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Room to grow a family in renovated lowset

first_imgOne of the living spaces at 37-39 Sobar St, Burpengary.The master bedroom has a walk-in robe and modern ensuite and there is a fifth bedroom that could be used as a study. “We have the kids down one end of the house and our room is at the other end, so we have a retreat and really nice ensuite,” Mrs Hinte said. Outside there is an in-ground swimming pool with gazebo and slide, a double garage, garden shed, vegetable patch and a large wraparound veranda. The home at 37-39 Sobar St, Burpengary.THIS big family home has had a makeover and is on the market in Burpengary. The property at 37-39 Sobar St is on a 3006sq m block with swimming pool, double lockup garage and entertaining area with a pizza oven. Owner Dinelle Hinte said she and her husband had the house built in 1995 and renovated the property four years ago. “We had the kitchen completely renovated, the ensuite and main bedroom were renovated and we had a rumpus put on,” she said. “The house has all been painted throughout as well.” The kitchen at 37-39 Sobar St, Burpengary.The home has an open-plan living, dining and kitchen area that opens to the covered entertaining space with built-in outdoor kitchen, barbecue and pizza oven. The kitchen has Caesarstone benchtops, a butler’s pantry, stainless steel appliances and soft close drawers. More from newsLand grab sees 12 Sandstone Lakes homesites sell in a week21 Jun 2020Tropical haven walking distance from the surf9 Oct 2019“The kitchen is amazing it makes the house feel like a brand new home,” Mrs Hinte said. “And the outdoor area would be my favourite part of the home. “We have the pizza oven and barbecue and it’s a big area where you can sit down and relax and look out over the pool.” center_img The outdoor area at 37-39 Sobar St, Burpengary.Mrs Hinte said the home was in a quiet neighbourhood with lovely neighbours. “For a young family it’s an amazing home. There is so much space for kids to play,” she said. The property is being marketed by Donna Hannon and Francine Deeks of Raine & Horne Burpengary Narangba.last_img read more

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Newcastle table £21million bid for West Brom striker Saido Berahino

first_img Press Association Sport understands the Magpies tabled their bid on Sunday afternoon as Ashley attempted to capture the frontman head coach Steve McClaren craves as he attempts to keep the club in the Barclays Premier League. It is further understood that the approach is an up front cash offer with no phased payments or add-ons, and that is a reflection of the club’s determination to land a player they have tracked since last summer. Newcastle owner Mike Ashley has sanctioned a club record offer of £21million for West Brom striker Saido Berahino. Saturday’s game was his first start since October and he has now scored six goals this season after netting 20 times last term. Baggies boss Tony Pulis knows owner Peace will make the final call over any deal. “There’s two more days to wait,” Pulis said after the Peterborough draw. “The chairman will make the decisions on the financial matters and that’s really what it boils down to. “I think football-wise, everyone would want to keep Saido here. When you put Saido in front of goal, he’s a goalscorer. “But we need to get him fit because he’s not fully fit.” The Baggies’ position remains unchanged ahead of Monday’s transfer deadline and they expect to keep the 22-year-old this month. Albion have never expected to receive an acceptable offer for the England Under-21 international in January, with chairman Jeremy Peace unlikely to green light a move this close to the transfer deadline. Tottenham have also been linked with Berahino, as have Stoke, although suggestions that the Potters have matched Newcastle’s bid have been dismissed by sources close to the club. Spurs had four bids rejected in the summer – which led to Berahino threatening to strike – and he has struggled for form since. One of the key factors in Tottenham’s offers being rejected was that payments would have been phased, despite the final fee rising to £23million. Ashley and McClaren now face an anxious wait to see if their move, which would take the Magpies’ total spend this month to £50million, proves decisive before Monday’s deadline. Jonjo Shelvey, Henri Saivet and Andros Townsend have already arrived at St James’ Park since the turn of the year, but with Aleksandar Mitrovic struggling for goals, there has been an acceptance for some time that a striker with a proven track record in the Premier League is needed if Newcastle are to avoid a desperate scramble for survival. Berahino, who scored both goals in Saturday’s 2-2 FA Cup fourth round draw with Peterborough, has fallen out of favour at the Hawthorns in recent months amid persistent speculation over his future. Press Associationlast_img read more

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Indian Premier League IPL 2019 final MI vs CSK: Mumbai win by one run, clinch title for fourth time

first_img Facebook Twitter Whats app Linked In 23:22 (IST) 19:36 (IST) 20:28 (IST) Brilliant from Bumrah. Short ball and on the badge, Rayudu is cramped for room and he gets a glove to the keeper. Bumrah then follows it up with two brilliant deliveries that beat the outside edge of MS Dhoni. 20:04 (IST) Oh Quinton de Kock! What have you done? That could cost them the title. He misses a straight chance and it goes to the boundary. Chennai Super Kings need 9 off 6 balls to win. 22:14 (IST) 21:51 (IST) After two runs in the first over, Chahar was smashed for 20 runs and he responds in grand style with a wicket maiden in the third over. Mumbai Indians are 45/2 in the powerplay and Chennai Super Kings have stolen the momentum. Good first over from Deepak Chahar as he finds some swing and bounce. Quinton de Kock tries to go for the attack but he misses. Shardul Thakur is in. Welcome back!  Shane Watson and Faf du Plessis have come out to chase begin Chennai’s chase. McClenaghan to open the attack. Three consecutive sixes by Shane Watson and Chennai Super Kings need 18 off 12 balls. What an assault Facebook Twitter Whats app Linked In Pollard and Pandya smash a six each as Shardul Thakur concedes 16 runs and Mumbai Indians are nearing 150. Facebook Twitter Whats app Linked In Kieron Pollard and Hardik Pandya hold the key now. Chennai Super Kings have built pressure but Hardik has been brilliant in the end overs. How much can Mumbai Indians muster in four overs? Facebook Twitter Whats app Linked In 17:55 (IST) 22:58 (IST) Chahar gets the massive wicket of Pandya with a toe-crunching yorker and despite the review, Pandya has been given his marching orders. Now, Deepak will bowl to his cousin-brother Rahul Chahar who has been dismissed second ball. Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In 19:51 (IST) Facebook Twitter Whats app Linked In Faf du Plessis blasts two fours and a six off Krunal Pandya but the bowler has the final say as he gets the batsman stumped. This is a big blow for Chennai Super Kings. All hopes pinned on Suresh Raina and Shane Watson. Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In 22:41 (IST) The pitch will offer some turn but it is a good wicket to bat on. The team that wins the toss will bat first. Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In 23:09 (IST) 20:50 (IST) Facebook Twitter Whats app Linked In Chennai Super Kings have endured a tough time against Mumbai Indians, losing all three games while Mumbai Indians have been simply sublime in all departments. Suresh Raina gets tangled horribly with the short ball from Mitchell McClenaghan and he has been given out. However, he reviews and replays show that there is no edge or glove. He will survive. The frustration mounts for Mumbai Indians. 23:18 (IST) MS Dhoni is run-out and that could be it for Chennai Super Kings’ chances. Shane Watson is the key now for Chennai Super Kings need some big overs. Rohit Sharma gets going with a big six off Shardul Thakur over deep midwicket. This is the kind of shot that is needed to get going. A six by Dwayne Bravo and three fours by Shane Watson off Lasith Malinga have made the equation interesting again. Chennai Super Kings need 42 off 24 balls. Game on! Facebook Twitter Whats app Linked In Shane Watson and Suresh Raina are keeping Chennai Super Kings on track. If these two hang in for a longer time, Chennai Super Kings could be on the cusp of something special. Rohit Sharma intorduces spin in the second over of the inning. Krunal Pandya comes to bowl. He has been a wicket taker for Mumbai, can he do the same today?  Facebook Twitter Whats app Linked In Super over from Deepak Chahar as he concedes just four runs and takes two wickets. Kieron Pollard will now be determined to take Mumbai Indians closer to 160. 21:05 (IST) Facebook Twitter Whats app Linked In 18:10 (IST) 22:45 (IST) Facebook Twitter Whats app Linked In 20:33 (IST) 21:08 (IST) 21:41 (IST) Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In Direct hit from Ishan Kishan but the third umpire took close to five minutes to give it out. Multiple frames were tried. Dhoni is given out and the entire Chennai camp is deflated. Mumbai Indians, on the other hand, are absolutely jubilant. Class! Jasprit Bumrah gets the massive wicket of Dwayne Bravo but Shane Watson is still there. Chennai Super Kings need 17 off 10 balls. Facebook Twitter Whats app Linked In 21:36 (IST) Facebook Twitter Whats app Linked In FOUR! Watson sends the half voley across the boundary line. Mumbai can’t afford this. Pandya will have to bowl tight line as we all know what Watson can do once he gets going. Rahul Chahar drops Watson on 42 and the asking rate has gone past 10. Chennai need 65 off 36 Facebook Twitter Whats app Linked In New Delhi: Mumbai Indians have chosen to bat against Chennai Super Kings, with Rohit Sharma’s side including Mitchell McClenaghan in place of Jayant Yadav. Imran Tahir picked up two wickets and became the leading wicket-taker in the 2019 edition of the tournament. Kieron Pollard’s 41* helped Mumbai Indians reach 149/8. Shane Watson blasted 80 and kept Chennai Super Kings in the hunt but Lasith Malinga bowled a perfect last over as Mumbai Indians won by one run. Rohit Sharma’s side became the first team to win the title for the fourth time while they also defeated Chennai Super Kings for the fourth time in IPL 2019. Get highlights here. (SCORECARD) 22:18 (IST) Facebook Twitter Whats app Linked In Kieron Pollard blasts yet another six and he holds the key now. Shardul Thakur will bowl the 18th. Will Imran Tahir bowl the 19th and Dwayne Bravo the 20th? 23:15 (IST) Facebook Twitter Whats app Linked In 22:49 (IST) 21:02 (IST) Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In 20:55 (IST) 19:41 (IST) Ishan Kishan slams a much-needed boundary off Harbhajan Singh but Mumbai Indians are still under the pump. This wicket will get more difficult to bat on as the game porgresses. 22:32 (IST) For all the Latest Sports News News, Indian Premier League News, Download News Nation Android and iOS Mobile Apps. Facebook Twitter Whats app Linked In Kieron Pollard blasts two consecutive fours off Dwayne Bravo and Mumbai Indians finish on 149/8. This will be a tricky task for Chennai Super Kings but there was a moment of controversy in the final over regarding a wide. The umpire did not signal it and Pollard was furious as he decided to take guard closer to the tramline. The umpires warned him and the anger seems to have come out on Bravo and the last two balls. Facebook Twitter Whats app Linked In 22:07 (IST) 20:18 (IST) Mumbai Indians and Chennai Super Kings have clashed in three IPL finals, with Rohit Sharma’s side winning two and losing one. Overall, Mumbai Indians have a 16-11 head-to-head record against Chennai Super Kings. Quinton de Kock blasts another six but he top-edges the pull and Dhoni takes the catch. Shardul Thakur gives MS Dhoni the crucial breakthrough. Can Chennai Super Kings pull things back? 23:42 (IST) Hello and a warm welcome to the final of the IPL 2019. After 59 games and some twists and turns, it is Mumbai Indians taking on Chennai Super Kings. Two teams who are the dominant forces in the IPL. Two teams whose encounters are dubbed ‘El Clasico’. Brilliant from Malinga. The slow yorker and Shardul Thakur is trapped in front. Mumbai Indians have won by one run and they beat Chennai Super Kings for the fourth time to win the IPL title for a record fourth time. This is simply brilliant. Congratulations, Rohit Sharma. Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In 21:39 (IST) Just 7 off the first over of McClenaghan. But a decent start for chennai.  Rohit Sharma has made one change in the side with Mitchell McClenaghan replacing Jayant Yadav while MS Dhoni’s side is unchanged. Here are the playing XIs of both sidesChennai Super Kings: Faf du Plessis, Shane Watson, Suresh Raina, Ambati Rayudu, MS Dhoni(w/c), Dwayne Bravo, Ravindra Jadeja, Harbhajan Singh, Deepak Chahar, Shardul Thakur, Imran TahirMumbai Indians: Rohit Sharma(c), Quinton de Kock(w), Suryakumar Yadav, Ishan Kishan, Krunal Pandya, Hardik Pandya, Kieron Pollard, Rahul Chahar, Mitchell McClenaghan, Jasprit Bumrah, Lasith Malinga 19:04 (IST) Imran Tahir, you beauty. Knocks over Suryakumar Yadav with a brilliant googly and he is off on the celebratory run. Tahir is now level with Kagiso Rabada on 25 wickets. Facebook Twitter Whats app Linked In 18:30 (IST) 21:38 (IST) 22:27 (IST) 21:21 (IST) Brilliant catch from Shardul Thakur. Well-directed short ball and Krunal Pandya mistimes the pull, Thakur runs to his left and takes the catch but the ball pops out of his hand. He collects it on the second effort and Chennai Super Kings continue to make inroads. Facebook Twitter Whats app Linked In If one has to compare the strengths and weakness, Mumbai Indians are strong on all fronts. Chennai Super Kings, on the other hand, have some issues regarding their batting. Only three runs in the over bowled by Mitchell McClenaghan and Chennai Super Kings need 62 off 30 balls. Dwayne Brao reduces the pressure by flicking Lasith Malinga for a six. Facebook Twitter Whats app Linked In 19:56 (IST) 20:14 (IST) Facebook Twitter Whats app Linked In 18:57 (IST) Here comes Lasith Malinga. Another change in the bowling. Rohit is desperately looking for an early breakthrough. 18:45 (IST) Catch dropped! Watson miscues the slower ball from McClenaghan and it swirls over backward square leg where Lasith Malinga spills the catch. When it comes to knockout games, Chennai Super Kings and Mumbai Indians have a 4-4 record. In one way or the other, one team is going to have a superior record either in number of titles or knock-out matches. Facebook Twitter Whats app Linked In 21:43 (IST) 23:03 (IST) Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In Only four runs in the 17th over. Chennai Super Kings need 38 off 18 balls. Watson is the key Mumbai Indians are getting choked by the Chennai Super Kings spinners as they make really slow progress after the powerplay. Suryakumar and Ishan Kishan are really struggling. Facebook Twitter Whats app Linked In 18:24 (IST) Rohit Sharma slams a boundary off Harbhajan Singh and Mumbai Indians continue to make progress. Facebook Twitter Whats app Linked In Facebook Twitter Whats app Linked In Suresh Raina’s painful innings is over. The legbreak from Chahar and Raina is hanging back on the crease. He misses it and is trapped plumb in front. Even the review cannot save him. Chennai Super Kings are under pressure now from Mumbai Indians. Facebook Twitter Whats app Linked Inlast_img read more

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Westport Winery Named Washington Winery of the Year

first_imgFacebook158Tweet0Pin0 Submitted by Westport WineryWestport Winery was named Washington Winery of the Year at the 5th Annual New York International Wine Competition. This is the first time Westport has received this honor.Surfer’s Syrah earned a silver medal at this competition. A portion of the proceeds from this wine benefits the South Beach EMS in Westport, Washington. A glass wave blown by Opal Art Glass of Cosmopolis, Washington, commemorates this wine in the extensive display gardens at the winery.Fleur de Lis Pinot Gris earned a bronze medal. The 7th Street Theater in Hoquiam, Washington benefits from this wine. A sculpture by Lora Malakoff of Clallam Bay graces the winery gardens as part of their commemorative sculpture program featuring local artists.When you visit Westport Winery Garden Resort be sure to explore the unique sculpture garden, lavender labyrinth, musical fence, 9-hole executive golf course, giant chess set, outdoor scrabble game, and grape maze, all located on the corner of Highway 105 and South Arbor Road halfway between Aberdeen and Westport. You will see why four times this has been voted Best of the Northwest Wine Destination.These award-winning wines are exclusively available at the resort. The tasting room, gift shop, produce market, plant nursery, bakery and gardens, are open daily from 11 a.m. to 6 p.m. The restaurant is open for lunch daily from 11 a.m. to 4 p.m. and for dinner on Friday and Saturday from 4 p.m. to 8 p.m. For more information contact Westport Winery Garden Resort at 360-648-2224 or visit the website at www.westportwinery.com.last_img read more

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