Trumps Impact on Banks

first_imgTrump’s Impact on Banks Banks Financial Stocks Trump 2017-04-25 Seth Welborn in Daily Dose, Featured, Government, News April 25, 2017 625 Views center_img Approaching Trump’s 100th day in office, we took a look at how Trump has handled the financial sector, including the mortgage and housing industry.The financial sector, including banks, saw a average earning growth of 16.4 percent, with revenue growing over 9 percent. Stocks fell 1.5 percent during the first three months, but have still remained high, after the rally following the election.”A lot of (the initial rally) was that we don’t have (Massachusetts Sen.) Elizabeth Warren whispering into the ear of the president and the secretary of the Treasury,” Richard Farley, head of law firm Kramer Levin’s leveraged finance group, told CNBC. “There was an embedded discount in the market because of the expectation of a Democratic presidency and Senate and an administration that wanted to stay in good stead with the extreme left of the Democratic Party.”As Trump begins to evaluate Dodd-Frank, the high stocks are remaining unmoved as banks face the future.“President Trump deserves tremendous praise for taking decisive action to protect taxpayers and our economy,” said Financial Services Committee Chairman Jeb Hensarling. He pledged to dismantle Dodd-Frank, and his actions today are another significant step towards ending the Dodd-Frank mistake that has given Washington bureaucrats more power to politically control our economy.In an additional move to impact the housing industry, effort to level the playing field for American lumber companies, President Trump recently placed a tariff on Canadian lumber. The administration argues that government subsidies for Canadian lumber are unfair. According to U.S. Commerce Secretary Wilbur Ross, the Commerce Department determined a need to impose “countervailing duties of roughly one billion dollars” in response to the subsidies.Still, not all agree with the president’s recent moves, particularly those against Dodd-Frank.”After the 2008 financial crisis almost destroyed our economy, Wall Street reform put tools in place to protect working Americans from once again bailing out ‘too-big-to fail’ banks and financial institutions. Any actions to undermine these protections encourage Wall Street’s risky behavior and leave taxpayers and our economy exposed to another catastrophe,” Sen. Sherrod Brown, D-Ohio, said in a statement. Sharelast_img read more

Why Is Economic Confidence Not Translating to More Homebuyers

first_imgWhy Is Economic Confidence Not Translating to More Homebuyers? March 26, 2018 603 Views in Daily Dose, Data, Featured, journal, News The National Association of Realtors has released the findings for their Housing Opportunities and Market Experience (HOME) survey for the first quarter of 2018. According to the survey, consumers have indicated that, while a growing number of households feel more confident about the economy and their financial situations, these positive feelings are not translating into the homebuying market. While the majority of consumers surveyed do believe that now is a good time to buy a home, the positive response is down four percent from the previous quarter, coming to 68 percent. Renter optimism has also diminished, coming to 55 percent this quarter, a five percent decrease from Q4 2017. Those with the highest levels of optimism are homeowners and older respondents, as well as those living in the more affordable Midwest and South regions. “There’s no question that a majority of homeowners have amassed considerable equity gains since the downturn,” said Lawrence Yun, Chief Economist for NAR. “Home prices have grown a cumulative 48 percent since 2011 and are up 5.9 percent through the first two months of this year. Supply conditions would improve measurably, and ultimately lead to more sales, if a growing number of homeowners finally decide that this spring is the time to list their home for sale.”Responses from non-homeowners indicated that the top three financial burdens preventing them from saving for a downpayment were limited income (47 percent), student loan debt (30 percent), and rising rents (28 percent). Only 14 percent of respondents indicated that nothing was holding them back from saving for a downpayment. The survey also polled non-homeowners about the potential reasons they would find it difficult to apply for a mortgage. The top three responses listed were income uncertainty (45 percent), a low credit score (34 percent), and too much debt (26 percent). Twenty-nine percent responded that they lacked the financial knowledge or did not know the first step needed for qualification.  Conversely, the share of homeowners who believe now is a good time to sell their homes has risen one percent from the last quarter, with 77 percent responding affirmatively, the overall highest share since the inception of the HOME survey in December 2015.center_img Home HOME data HOME report HOME survey HOUSING NAR NAR Survey National Association of Realtors 2018-03-26 Staff Writer Sharelast_img read more

The Homebuying Habits Across Generations

first_img Baby Boomers Budgets Buyers Gen X Generations Home Home buying Homebuyers HOUSING Millennials Owners.com real estate technology 2018-04-03 Radhika Ojha in Daily Dose, Data, Featured, News They might do their research online and also believe that data and machine learning will have an important influence on the real estate experience, but when it comes to the process of searching for a home, millennials and baby boomers lean more on their agent than digital platforms. This, according to a survey on homebuyer behavior by Owners.com that studied that homebuying patterns of over 1,000 buyers across different age-groups.The survey revealed that 82 percent of the buyers said that online access to data-focused property information was essential to their decision-making process. But that was the only aspect that all the three generations—baby boomers, Gen X, and millennials—agreed upon. The survey highlighted vast differences in the way these generations manage their homebuying budgets and work with real estate agents.For instance, Gen Xers were the most hands-on when looking for a home. The survey found that they were likely to do their own research online to make decisions before initiating the next step with their agent. In fact, 62 percent of Gen Xers agreed to do their own research followed by 59 percent baby boomers and 48 percent millennials. Gen Xers also suffered from trust issues with their real estate agents with only 29 percent of this generation saying they trusted their agents to do the legwork, compared with 33 percent millennials and 36 percent of the baby boomer generation.When it came to budgets, the survey found that millennials were more likely to stray from their budget while buying a home. Forty percent millennials said they went over budget by an average of $24,545 while buying a home; 34 percent of the Gen Xers also went over budget paying around $13,996 more than the price they had in mind while buying a home. Baby boomers were sticklers when it came to the budget of their new home with only 19 percent going over budget and that too by $8,024 on average.The real surprise came when the three generations were asked about their go-to resource when searching for a home. Gen Xers leaned more towards online data and platforms to facilitate their search with 50 percent of this generation using these platforms, whereas 41 percent baby boomers and 38 percent millennials used online data and platforms for their search.While millennials were more likely to rely on their family and friends as a resource, they also relied on their agent the most during their home search. The survey found that 54 percent of baby boomers and 47 percent of millennials relied on their agent the most during their home search compared to only 42 percent Gen Xers who said they relied on their agent. The Homebuying Habits Across Generationscenter_img Share April 3, 2018 663 Views last_img read more

The Widening Racial Homeownership Gap

first_img Data from the U.S. Census Bureau indicates that black homeownership has fallen to 40.6% as of Q2 2019. Bloomberg reports that this is the lowest rate since around 1970, and rates for all other minority groups were down as well.According to Bloomberg, the gap between white and black and white homeowners has increased, driven in part by rising starter home prices, pushing many renters out of the market. The homeownership rate for all Americans fell in Q2 2019 to the lowest rate since 2017, while the number of new homeowner households grew by only 585,000, a third of the year-earlier level and the fewest since 2006.“The trends in the homeownership rate reflect a broader racial chasm in who is able to acquire the American dream,” Ralph McLaughlin, Deputy Chief Economist at CoreLogic Inc., said in an interview with Bloomberg. “Black homeowners are much more rare today than any time in the last 50 years.”According to a NeighborWorks America survey, the road to ownership is particularly fraught with hardships for minority communities. The belief that they lacked the financial planning skills and knowledge was a key factor that’s keeping these communities (especially African Americans and Hispanics) away from homeownership. “As a result, the gap between homeownership and renting still exceeds the overall national average,” the survey said.The Survey indicated that minorities are more focused on paying bills and everyday expenses than buying a home. Twenty-one percent of black adults said their most important financial goal for 2019 was to pay bills and everyday expenses, with 6% saving for a home as their No. 1 financial goal. Among Hispanics, 20% said paying down credit card debt was their top financial goal for 2019 with merely 8% of this demographic ranking saving for a down payment to buy a home as most important.While 30% of those surveyed said they are not confident in their ability to withstand a financial emergency, 34% of black and Hispanic adults expressed this lack of confidence, the survey found. Black Homeownership HOUSING Minorities 2019-07-26 Seth Welborn 7 days ago 237 Views The Widening Racial Homeownership Gapcenter_img in Daily Dose, Data, Featured, News, Origination Sharelast_img read more

Dbacks president Derrick Hall Franchise still f

first_img D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Top Stories Cardinals expect improving Murphy to contribute right away What an MLB source said about the D-backs’ trade haul for Greinke Nevada officials reach out to D-backs on potential relocation The Cardinals won’t be looking for a new kicker anytimesoon.The team announced Friday it has agreed to a two-yearcontract with Jay Feely, who spent the last two seasons inArizona.The 35-year-old is coming off a season that was a littledisappointing, as he connected on just 79.2 percent of hisfield goal attempts (19 of 24), which is is the fourth-lowest mark of his career.However, he has converted on 43 of 51 attempts with theCardinals, and has not missed an extra point over the lasttwo years. 0 Comments   Share   last_img read more

Unless he has a setback…he can throw it fine he

first_img“Unless he has a setback…he can throw it fine, he’s still having some issues with the bruise inside (his chest), and if that settles down in time, he’ll play, but we’re 2 days out from the game, I can’t tell,” he said of the QB. “We’ll see how he does in practice this afternoon.”As to how the team can better practice tackling after their struggles Sunday against the Saints, Whisenhunt responded to AZCardinals.com’s Darren Urban by asking him if he was up for volunteering to be a tackling dummy.“That would really help us, would you volunteer,” the coach joked, but credit goes to Urban for the snappy “We do this together” retort.This afternoon’s practice has been moved up to 2 p.m. local time (noon in Arizona). Until then, here’s hoping I don’t get asked to be a tackling dummy.Regardless of how many hits we take, both Darren and I are ready to host a Google+ hangout at 5 p.m. Arizona time Wednesday and hope you will join us. You can get the rest of the details by following us on Twitter: @AZBloom and@Cardschatter, and of course you should already be following @AZCardinals.) While the locals here in St. Joseph were hoping the storms brought a bit more rain than the 15-20 minutes of heavy downpour we received Wednesday morning to aid in their summer long drought, the Cardinals were happy to have a suitable alternative for their morning walk-through which took place in the state of the art indoor facility at Missouri Western State University.Once again both Kevin Kolb and Beanie Wells were participants, but the question as to when they will next play in a game still remains unanswered according to Ken Whisenhunt. Cardinals expect improving Murphy to contribute right away Nevada officials reach out to D-backs on potential relocation What an MLB source said about the D-backs’ trade haul for Greinkecenter_img Comments   Share   Top Stories D-backs president Derrick Hall: Franchise ‘still focused on Arizona’last_img read more

Brian Billick – Fox Sports Net – NFL Power Ranking

first_imgBrian Billick – Fox Sports Net – NFL Power Rankings Week 8 Ken Whisenhunt’s team is in the midst of a long week of preparation before hosting the San Francisco 49ers on Monday Night Football.Here’s what various media outlets are saying about the Cardinals’ place in the NFL pecking order. Sporting News – NFL Power Rankings: Greener pastures for Aaron Rodgers, rising Packers#15 (last week #13)The Cardinals have seen Fitzgerald get more attention than ever before, so it’s a good thing Andre Roberts has emerged as a legitimate complementary receiver. CBS Sports – Move over, AFC, NFC pack sure looking large and in charge#18 (last week #12)They have a chance to right things this week with a huge home Monday night game against the 49ers. Lose that, and they are in big trouble. Four straight wins followed by three straight losses.That’s the season trajectory of the Arizona Cardinals’ 2012 campaign after a frustrating loss to the Minnesota Vikings last Sunday at Mall of America Field. Some of the Cardinals’ familiar struggles reared their ugly heads again. They struggled to protect quarterback John Skelton, as Minnesota racked up seven sacks without blitzing once. And they struggled to score points – putting just 14 on the board in the defeat. Yahoo! Sports – NFL Power Rankings: This is what parity looks like#23 (last week #19)Not only are they the lowest-ranked team with a winning record ‒ they’re 11 spots behind the closest team with a winning record. I feel bad about this, but that’s what happens when your season consists of a four-game winning streak, then a three-game losing streak. The news gets worse, too ‒ their next three are against the 49ers, Packers and Falcons. Top Stories ESPN – 2012 NFL Power Rankings: Week 8#14 (last week #11)The Cardinals have held opponents below nine completions in two of their last three games; oddly, they’ve lost both. (Sando) 2012 NFL Power Rankings: Week 8#16 (last week #12)The Arizona Cardinals have fallen faster than any other team in the league this season. They started the year off winning their first four games only to lose their last three; someone toss this team a life raft quickly because the are drowning and the waters ahead look even rougher.center_img Derrick Hall satisfied with D-backs’ buying and selling 0 Comments   Share   #19 (last week #16)After a 4-0 start, the Cardinals have dropped three straight. And it is going to get worse if they can’t field an offensive line that can block anyone. The Vikings had 43 yards passing and threw two interceptions, and still beat this team. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact NFL.com – Week 8: Bears crack top three; Lions slide#13 (last week #13)The Arizona Cardinals stay at 13 by sheer happenstance, and the fact that, at 4-3, they’re in the thick of the wild-card race. All but one club from Nos. 10-20 in last week’s rankings lost or had a bye during Week 7, which meant that only Ken Whisenhunt’s former employers were able to leapfrog the Cards. Former Cardinals kicker Phil Dawson retireslast_img read more

Top Stories

first_img Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Vikings general manager Rick Spielman met with Arizona Cardinals defensive coordinator Todd Bowles in Arizona on Monday to discuss Minnesota’s head coaching vacancy, according to John Wooten of the Fritz Pollard Alliance. Bowles, who has already interviewed with the Cleveland Browns regarding their head coaching position, is also expected to interview with the Detroit Lions soon.While the Tampa Bay Buccaneers and Houston Texans have already filled their openings, the firing of Tennessee Titans head coach Mike Munchak over the weekend opened yet another job for which Bowles may garner consideration. Comments   Share   The 50-year-old coordinator, who has three games’ head coaching experience as an interim with the Miami Dolphins, figures to be an oft-mentioned candidate the performance of his defense in 2013, his first year with the team. Arizona ranked first in the NFL against the run and sixth in total defense. They were among the NFL’s best in sacks and takeaways.“I know Todd is going to get interviews, and rightfully so,” Cardinals coach Bruce Arians said following the season.The Associated Press contributed to this story.center_img Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impactlast_img read more

Playoffs Yeah that would be nice but the Cardin

first_imgPlayoffs? Yeah, that would be nice, but the Cardinals have their sights set even higher. Say, Super Bowl 50?“The expectation is high,” safety Rashad Johnson said. “Our head coach, Coach B.A., hasn’t shied away from saying Super Bowl or bust. We believe that.“We believe we have the talent here, we believe we have the camaraderie here and we believe we have the experience here to get it done. Last year we weren’t able to finish it — no excuses — we lost our quarterback who’s a great player, a big part of what we do. We got him back, he’s healthy and he’s zipping the ball so we’re excited to get this first game going, coming out with a win, and then we can stack them from there.”That first win, they’re hoping, will come Sunday against the New Orleans Saints at University of Phoenix Stadium.While maybe not pegged to be the most difficult team on Arizona’s No. 5-ranked schedule, the Saints figure to provide a stiff test for a Cardinals team that aims to show it is among the NFL’s elite. Though a loss Sunday would not spell the end of their postseason hopes, stumbling out of the gate against a team that won seven games last season would not be a good idea. TEMPE, Ariz. — The Arizona Cardinals won 10 games in 2013, Bruce Arians’ first season with the team.They followed that up with an 11-victory campaign in 2014, one that likely would have been better if not for a ridiculous rash of injuries that included the loss of quarterback Carson Palmer.Now, in 2015, it’s safe to say even more is expected of the team.“We’re extremely hungry, man, with the way we finished last year,” safety Tyrann Mathieu said. “Obviously we’re super talented, and we understand that. I think the biggest thing is us staying healthy and playing with consistency. It’s really going to take us holding each other accountable in order to really achieve those goals, but there’s no doubt about it we’re a playoff team.” Derrick Hall satisfied with D-backs’ buying and selling “So we’ve got very high expectations, and you can tell that all the guys around here got their minds focused on getting there, so it should be a pretty good year.”Some stories for pre-game readingRunning back Chris Johnson, who suffered a gunshot wound in March, said at the time he wasn’t sure he would ever play football again.Remember Jonathan Cooper? The starting right guard is quietly preparing for his first career Week 1 start. It was a long time coming, by the way.Cornerback Patrick Peterson will have ‘special duties’ this season.The Cardinals have a newly-renovated training facility in Tempe, and team president Michael Bidwill was more than happy to show it off Friday.Linebacker Sean Weatherspoon will be playing in an NFL game for the first time since Dec. 15, 2013. He’s having fun with making his return.ESPN’s Ron Jaworski is one analyst who is predicting big things for the Cardinals in 2015.A couple defensive stars made their acting debuts on a popular TV show.Miscellany • Receiver Michael Floyd is listed as questionable on the official injury report, but Friday head coach Bruce Arians said knowing the receiver, he’d give him a “pretty solid” chance of playing Sunday. When asked about his chances, Floyd said he thinks he can, but at this point it’s a mental issue and he’ll have to see how things are Sunday. But, he said he wouldn’t be practicing like he has if he didn’t think he’d be able to give it a shot. Former Cardinals kicker Phil Dawson retires Comments   Share   • Bruce Arians expressed nothing but confidence in the right side of his offensive line, which includes first-time starters Jonathan Cooper at right guard and Earl Watford at right tackle.“I think Coop has been solid all camp and I trust Earl that Earl’s going to play very well,” he said.Speaking of Watford, specifically, why did the team decide to go with him over veteran Bradley Sowell, who has started multiple games in the NFL?“You see a little bit more snap in his punch,” offensive coordinator Harold Goodwin said. “Bradley does a good job athletically, but sometimes you’ve got to have a little power, too. Earl’s a little bit more powerful, a little bit more assertive when it comes to pass protection.”• QB Carson Palmer is one of many key players returning from an injury, but he is easily the most important. Coming back from his second career torn ACL, he’s looking forward to another season.“It’s just a blessing. I’m extremely excited and I need to chill out a little bit because it’s only Tuesday. The longer you play the game, the more you realize how special each opportunity is and how special each year is. You’ve got to take advantage of every one because you don’t know when they stop. I learned that the hard way last year, and thankfully, I’m back to having another opportunity.” • Rookie running back David Johnson said he hasn’t really thought about what it will be like for his first NFL play, carry or catch.“I think I’ll be too excited — I probably won’t be thinking, to tell you the truth,” he said. “Hopefully my mind is focused, hopefully I’m not cloudy, but we’ll have to see when the time comes.”• The Saints are hoping to have a more balanced approach on offense this season, but there’s no doubt about who the Cardinals’ defense worries about most: QB Drew Brees.“He’s like a cheetah,” linebacker Sean Weatherspoon said. “He’s like the best. All the rules your coach tells you, when you get out there on the field, he’ll defy that. That’s just what he does. The guy’s a winner. If you let him get going, it could be a long day.”Incidentally, Mathieu’s first career interception came against Brees, in the end zone during a game in New Orleans.“Which happens to be a Hall of Fame quarterback, so” he said, with a smile. “So hopefully I can get another one this week, that would be fun. He’s obviously going to test us, he’s going to give us an opportunity to make a play. The biggest thing is us making that play and being in the right spot.”center_img “I think every game is equally important, it doesn’t matter what game it is,” defensive end Calais Campbell said. “As long as you’re playing the game, it’s important. You have to win so many of them to get in, and in the NFC I don’t think 10, it might not be good enough, so to get 11 wins means you only have five losses you can have, and even then, I think we’re good enough to where we might be able to get more than that. Every game is critical, and this is the most critical because it’s the first one.”“We just want to win on Sunday,” receiver Larry Fitzgerald said. “It’s impossible to win a Super Bowl if we don’t take care of business week-to-week. So we have to just respect the process — Coach always talks about respecting the process, you know, respecting Thursday football, Friday football, Saturday football, and when you get to Sunday you play good and you try to get a win, and then you go on to the next week.“That’s just kind of how we have to look at it.”That approach, viewing the game that is in front of them as the most important on the schedule, is one you will find all throughout the locker room. Though the Cardinals may believe they will still be playing football on Feb. 7 at Levi’s Stadium in Santa Clara, California, there is no interest in looking that far ahead. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Arizona Cardinals free safety Tyrann Mathieu (32), celebrates his interception with teammates Calais Campbell (93) and Rashad Johnson (26) during the first half of an NFL preseason football game against the Kansas City Chiefs, Saturday, Aug. 15, 2015, in Glendale, Ariz. (AP Photo/Rick Scuteri) Grace expects Greinke trade to have emotional impact Top Stories And why should they? As Campbell noted, the team has to win enough games in order to even reach the postseason, and at this very moment no one knows how many it will take. However, one thing for certain is you can’t win the last game of the season if you don’t win enough over the five months prior to it.But rest assured, there is a strong belief that this is a team that could be poised for a special season. While every team begins the season with Super Bowl aspirations, the Cardinals are one of a handful that can really truly believe it. It is a sense — a vibe, even — that has permeated throughout the entire organization.Veteran linebacker LaMarr Woodley, who won a Super Bowl with the Pittsburgh Steelers, said he sensed it from his first day with the organization. Running back Chris Johnson, who was added during training camp, sees it too.“Me being with Tennessee and then going to New York, it was always a situation like, ‘let’s try to get to the playoffs,’” running back Chris Johnson said. “But this team is not even ‘let’s try and get to the playoffs,’ it’s like, ‘let’s win a Super Bowl, let’s get there.’last_img read more

Grace expects Greinke trade to have emotional impa

first_img Grace expects Greinke trade to have emotional impact Given the benefit of seeing how the Denver Broncos just dismantled a great Carolina Panthers offense, it’s fair to wonder if the Arizona Cardinals would have had a shot to take home the Lombardi Trophy had they gotten through the NFC Championship Game.Maybe Arizona’s offense, which features better receivers, could have moved the ball. Or, perhaps the less-mobile Carson Palmer would have suffered an even worse fate than Cam Newton against that relentless Denver pass rush. But his belief in the Cardinals is not solely based on the quarterback.“This defense is going to be better,” Harrison said. “Bruce Arians made it very clear, he’s going after pass rushers — and oh by the way, while we’re on the subject of Bruce Arians, who’s a better coach than Bruce Arians?”Indeed, bolstering the pass rush has been a topic pretty much from the moment the Cardinals’ season ended, with both Arians and general manager Steve Keim talking about the need to add talent to a group that collected just 36 sacks this past season.As for Arians himself, the coach has posted a 34-14 mark in three seasons with the Cardinals, and including his stint as the interim coach in Indianapolis has a .717 winning percentage in 60 games, which ranks fifth all-time.Along with the Cardinals, Harrison pointed to the Pittsburgh Steelers and Green Bay Packers as teams who are primed to win it all next season. Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and sellingcenter_img Comments   Share   Arizona Cardinals head coach Bruce Arians smiles before the NFL football NFC Championship game against the Carolina Panthers Sunday, Jan. 24, 2016, in Charlotte, N.C. (AP Photo/Mike McCarn) At any rate, the Cardinals did not earn the right to play in Super Bowl 50, and the way in which they fell short has many wondering if they’ll have enough to make another run next season.NFL.com analyst Elliot Harrison not only thinks they will have enough, but sees them as one of three teams primed to win Super Bowl LI in Houston.“A couple things on the Cardinals, Carson Palmer’s not going to turn the ball over six times again,” he said on NFL Now with James Koh. “I know not everybody believes in him, maybe you don’t think, James, that he’s a top-five quarterback, but you could argue he’s a top-15 quarterback, top-10.”Though Palmer struggled in the playoffs, he had an MVP-caliber regular season in which he threw for 4,671 yards and 35 touchdowns while being intercepted 11 times.Koh pointed out that Palmer “added a lot of stability” to Arizona’s offense, a point that Harrison agreed with.Citing his numbers, Harrison said even if you think Palmer’s season was a bit of an anomaly, it’s tough to see him having the kind of turnover-filled game he did in the NFC Championship Game, where he was picked off four times and lost two fumbles. Former Cardinals kicker Phil Dawson retireslast_img read more

While money is always involved in making deals St

first_imgWhile money is always involved in making deals, Stanton chose the right fit instead of selling to the highest bidder.“I’ve never been one that’s motivated by trying to make the most money possible,” he said. “I think if you surround yourself with good people — and we’ve got a heck of a team here. I mean you look at the depth that we have on offense sitting in that meeting room this year when we came back, second, third, fourth-string guys that are real guys that could be starters potentially in other places.”Barring an injury, Stanton may not see the field in 2016, but he feels he is in a better position than other players around the NFL.“As a quarterback, I want to be on this team,” he said. “There’s starters that don’t have the same luxury that I have.” – / 23 Former Cardinals kicker Phil Dawson retires Asked when the Cardinals starting quarterback Carson Palmer might hang it up, backup quarterback Drew Stanton didn’t reveal a lot. But he did lend insight to how he feels about his position with the team.Stanton signed a two-year deal in the offseason with earning the starting job in the back of his mind once Palmer retires, but he’s not going to throw Palmer under the bus for his own personal gain.“I have too much respect for Carson and everybody else in this organization to talk about it,” Stanton said on Bickley and Marotta on Arizona Sports 98.7 FM. “My goal is to ultimately be a starting quarterback in this league for as long as I can.” Grace expects Greinke trade to have emotional impact Your browser does not support the audio element. 0 Comments   Share   “Now, how you get there and what that looks like is completely different and individualized to that person,” he added. “I still have that as the ultimate goal for me and when that time comes, who knows, but I know if it comes here it will be for the right reasons and a great organization.”Since 2013, Stanton has found a home with the Arizona Cardinals and has no plans to leave.“I knew I wanted to come back here,” he said. “Obviously, being a part of this organization for the past three years and knowing the type of men that are running this organization and really the direction that it’s heading, I wanted to be a part of it.”In his eight starts with the Cardinals, Stanton went 5-3 and has been a solid backup to Palmer. He’s thrown for 1,815 yards, seven touchdowns and seven interceptions since he joined the team.Even though he isn’t the starting quarterback, Stanton feels he made the right move.“It’s easy for me to come back and walk through these halls and go back in the meeting room, and that adjustment that doesn’t need to occur like it would somewhere else,” he said. “That, from my standpoint, and then also the ease of my family, made it a decision I felt really good about as soon as I knew it was the right one.”center_img Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo LISTEN: Drew Stanton, Cardinals quarterback Cardinals backup quarterback Drew Stanton throws at practice on Aug. 2, 2016. (Adam Green/Arizona Sports) Derrick Hall satisfied with D-backs’ buying and sellinglast_img read more

Top Stories

first_img Top Stories About to make his #Dbacks debut, @DavidJohnson31 tells Lovullo, “You might want to sign me after this” pic.twitter.com/GhdWNatx5t— Craig Grialou (@CraigAZSports) April 6, 2017 (Photo: Craig Grialou) Former Cardinals kicker Phil Dawson retires “Nothing to it” says @DavidJohnson31 after his second round of #Dbacks BP pic.twitter.com/XXNkFxVpxc— Craig Grialou (@CraigAZSports) April 6, 2017 Comments   Share   Uh, @DavidJohnson31 might want to stick w/football; he does the one thing you can’t do when throwing out #Dbacks ceremonial first pitch pic.twitter.com/cVXcbGXOXH— Craig Grialou (@CraigAZSports) April 7, 2017That’s not good.Arizona Cardinals running back David Johnson threw out the ceremonial first pitch for the Diamondbacks’ Thursday contest against the Giants. And by “threw out,” we mean he lofted the pitch a few feet short and four feet wide of home plate. Derrick Hall satisfied with D-backs’ buying and selling Before the lackluster toss, the running back polled his Twitter followers about what type of pitch he should throw out, and 63 percent requested he just get it to the plate. Does this count as coming through?We’d go with a soft, no.Johnson is apparently fully recovered from his MCL sprain that ended his season on Jan. 1.While it didn’t show on the mound, it did show a tad bit better at the plate. Johnson took in a batting practice at Chase Field hours before the game.Hey @DavidJohnson31, not bad … for an All-Pro. #AllAZ pic.twitter.com/pqWfdwDzBn— Arizona Diamondbacks (@Dbacks) April 6, 2017At least he was looking good going through the baseball exercises by rocking the D-backs shirt, matte helmet and shades. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impactlast_img read more

My biggest thing is I was proud for him Johnson

first_img“My biggest thing is I was proud for him,” Johnson said. “I trained with Gurley coming out of college and it was cool to see him get what he deserved — not just him but to see Saquon (Barkley) get his deal.”The New York Giants inked Barkley, the 2018 second overall NFL Draft pick, to a $31.2 million deal before his first NFL action. All of that is guaranteed and $15 million was reportedly paid up front.Arizona can be optimistic Johnson is present as camp swings into public practices over the weekend, but a complicating factor is the absence of general manager Steve Keim, who on July 17 began serving a five-week suspension due to his July 4 DUI arrest.Cardinals president Michael Bidwill has taken on more responsibilities with Keim away from the team and said he’s confident the negotiations with Johnson’s representatives can continue undisturbed.“What we’ve got to do is look at the David Johnson situation,” Bidwill said. “We know that the market was going to be out there, we also know that Le’Veon Bell is going to be out there. But yes, we can get something done without Steve here.”EXTRA POINTS– More Johnson on his contract negotiations: “I don’t have time to think about it. This new offense … Coach (Steve) Wilks and (running backs coach Kirby) Wilson has put a lot on my plate to not only know the offense but be a leader for my team. That’s the biggest focus.” 7 Comments   Share   GLENDALE, Ariz. — Entering the final year of his rookie deal and staring at a potentially hefty contract extension, David Johnson is acting only as if the former is true.The Arizona Cardinals running back reported on the first day of training camp Friday with contract negotiations ongoing and, apparently, a chip on his shoulder.“That’s the biggest thing,” Johnson said when asked about keeping his focus on football. “I’ve heard of former players, not just Cardinals, but in the league of having the stress of the contract dwelling on them and it ends up affecting their play. And that’s what I don’t want. I want to come out and prove to everyone that I’m 100 percent and better than 2016.” (Twitter Screenshot/@AZCardinals) Top Stories Derrick Hall satisfied with D-backs’ buying and selling Johnson, who required season-ending wrist surgery after Week 1 of 2017, had already joined some of his teammates by suiting up on Monday. That’s when Arizona scheduled players coming off major injuries to report.Related LinksBidwill: Cardinals moving forward during GM Steve Keim’s suspensionThe 5: Burning questions as the Arizona Cardinals enter training campAs David Johnson awaits deal, Todd Gurley signs extensionCardinals camp notebook: Boston steps into FS role, Bradford readyAsked why he joined the team for training camp following his brief holdout of mandatory minicamp in June, Johnson shrugged off the notion that he might hold out longer.“Because that’s what time they asked me to report, and I decided to come support and show that I was ready to play,” the running back said.Behind the scenes, however, the Cardinals and Johnson’s representatives will continue working on an extension from his rookie deal, which will pay out a base salary of $1.9 million in 2018. Johnson’s next deal could push into eight-figure territory.Pittsburgh Steelers Pro Bowl back Le’Veon Bell’s failure to sign a long-term contract this offseason didn’t help matters in setting the market at the running back position. He was franchise-tagged for the second year in a row and did not come to a contract agreement by the mid-July deadline.center_img – Johnson, on whether not playing in 2017 and his wrist injury might hurt the value of a new contract: “No, I don’t think the Cardinals really take that in effect. People outside the organization might think that. This is going into my fourth year, so they’ve seen me play.”– Johnson, on if offensive coordinator Mike McCoy has indicated how the Cardinals will use him at running back: “Good thing with Mike is he actually comes to us. Kirby, Coach Wilson, asked the same thing. That was pretty cool to have them look to me as a veteran. It’s kind of weird that I’m the oldest one — one of the oldest ones in the running back group.” 1 reason why David Johnson would report in AZ? The career earnings of the 6 minicamp holdouts …Julio Jones: $63.21MEarl Thomas: $47.41MKhalil Mack: $18.71MTaylor Lewan: $11.54MAaron Donald: $10.20MJohnson: $2.40MThose $40K/day fines are relative.— Albert Breer (@AlbertBreer) July 23, 2018It maybe sped up Johnson’s cause that the Los Angeles Rams this week signed Todd Gurley to a four-year, $60 million contract with three-fourths of that amount guaranteed. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact Former Cardinals kicker Phil Dawson retireslast_img read more

Go back to the enewsletter Le Méridien Bali Jim

first_imgGo back to the e-newsletter >Le Méridien Bali Jimbaran invites guests to celebrate the festive season in style with an array of exciting promotions from Christmas Eve to the strike of midnight on 1 January 2016.Christmas celebrationsLe Méridien Bali Jimbaran extends a special accommodation package for Christmas starting from IDR 5,128,000++ for two nights in a Classic room with daily breakfast and one-time Christmas dinner (Christmas Eve or Christmas Day). A minimum stay of two nights is applicable for this promotion with a stay period from 24 – 27 December 2015.Presenting his best take on favourite Christmas dishes, Executive Chef, Justin Wong, will serve a 3-course dinner on Christmas Eve at IDR 495,000++ per person. This includes a one-hour pre-dinner cocktail session at Smoqee Sky Bar followed by dinner at Bamboo Chic with free flow eggnog to enliven the Christmas mood. During dinner, Santa Claus and Santarina will drop by to hand out chocolate treats as a local choir sings a heartfelt medley of classic Christmas carols.On Christmas Day, a family lunch can be enjoyed at Bamboo Chic with an array of traditional dishes like roast ham. At only IDR 350,000++ per person, this joyful occasion includes musical entertainment and, of course, a visit from Santa. Guests spending a minimum of IDR 1,000,000 will be entitled to choose a special Christmas gift by Le Méridien Bali Jimbaran. The celebrations continue into the evening with Christmas Day dinner at Bamboo Chic priced at just IDR 415,000++ per person for an exclusive spread of festive season treats.Unlock 2016To welcome the New Year, Le Méridien Bali Jimbaran has created a special accommodation package for those looking to spend quality time with friends and family in Bali. Starting from IDR 6,688,000++ for two nights in Classic room, guests can enjoy a different kind of celebration with an array of activities starting from the last morning of 2015 through to the early hours of 2016.On the morning of 31 December, guests will be invited to charge the day with a Zumba Dance Party followed by an interactive Balinese breakfast at Bamboo Chic with live stations offering local delicacies. At noon, there will be a Pool Party at the resort’s 1300sqm salt water lagoon pool where complimentary canapés and non-alcoholic beverages will be served. Guests have the option to upgrade the experience by purchasing a free-flow selected alcoholic beverage package at IDR 400,000++ during the Pool Party or IDR 1,000,000++ for the entire night.As the sun sets over Jimbaran Bay, Happy Hour will take place at Smoqee Sky Bar featuring complimentary flavoured popcorn, lively DJ tunes and a stunning fire dance performance. Guests will then head down to Bamboo Chic for a New Year’s Eve dinner to feast upon scrumptious dishes including Le Méridien’s signature éclairs.After dinner, guests can join the fun games and activities in the quirkily designed Smoqee Lounge or Smoqee Sky Bar where there’ll be some amazing prizes to be won. The remainder of 2015 will include upbeat dance tunes by a DJ as we countdown the minutes to the New Year.Go back to the e-newsletter >last_img read more

Go back to the enewsletter Abercrombie Kent has

first_imgGo back to the e-newsletterAbercrombie & Kent has space available on two of its luxury expeditionary cruises this December which means families can spend Christmas in Antarctica. Both are dedicated family departures with expert lecturer guides to enthral parents on fascinating shore excursions and onboard lectures plus the specially tailored Young Explorers programme for junior travellers offering unique activities from squid dissection and child-only Zodiac rides to nautical knot-tying and photography lessons.Special offersSave US$3000 per person on a Category 1-3 cabin when you book the 13 December 2016 and 19 December 2016 departures by 31 July 2016.HighlightsGain a deep understanding of the region with enriching lectures by award-winning experts, including scientists, historians and those awarded the coveted Polar MedalLearn about the fascinating life of one of Antarctica’s greatest explorers, Ernest Shackleton, when you visit his gravesite in Grytviken, South GeorgiaVisit an active research station and observe preservation efforts to protect Antarctica’s one-of-a-kind habitatSet off for exciting shore excursions in swift Zodiacs, where closer views of the land and wildlife reveal the remarkable biodiversity of the Southern OceanChoose from three special A&K departures: Family Holiday (13 and 19 December) with children’s programming, spirited celebrations and unforgettable landings; and a dedicated Photography Expedition (17 January), led by professional photographers Richard Harker and Charley Wheatley, designed for all levels of skill and equipment preferencesEnjoy convenient A&K charter flights to and from UshuaiaGo back to the e-newsletterlast_img read more

There is nothing like arriving at a luxury hotel i

first_imgThere is nothing like arriving at a luxury hotel in unique style. See Xavier Destribats, above, being driven to what will be Cuba’s first true ultimate hotel, Gran Hotel Manzana Kempinski La Habana, right in the centre of town. It receives its first lucky guests on 1 June 2017, but I was tremendously lucky to have a preview, personally led by Destribats, the GM. His entire management team, still without uniforms, was there as guard of honour.Why ‘Manzana’? As a note above the front door says, this was the site of Havana’s first shopping complex, opened by Senor Manzana in 1894. Enter through the door, today, and you are immediately in a theatre of stunning champagne-coloured local marble, with pink-grey fabrics and other accents. To beat Cuba’s famous, or infamous, humidity, Port Elizabeth-based designer Arno Joubert, who formerly worked with Jean-Michel Gathy, has here only used carpets up in the sixth-floor rooftop ballroom. Every other space has marble floors, or wood-look ceramics. Extra-high ceilings everywhere also speak ‘space’, which means that some of the lampshades, like a five-foot beauty in the lobby, can be outrageously large. Up on the second floor are restaurants and bars, including a magnificent cigar lounge with six balconies looking over the central plaza or side streets. Destribats is cleverly getting the country’s six top cigar companies each to sponsor a balcony.And then, built in a triangle around a garden-filled central courtyard, are 264 bedrooms and suites, nearly half with balconies. Rooms follow the champagne-taupe colour scheme. They have wet-area bathrooms, with clear-or-frosted windows from the bed area. Up on the rooftop, all with outstanding views, are the outdoor pool, an adjacent eight-room spa, good Technogym, and a carpeted ballroom, ideal for meetings and weddings. Oh this hotel will, when it opens, have so many features that are unique in Havana, like masses of universal sockets, and the city’s only in-room Wi-Fi, and free (at all other hotels, you buy SIM cards to use routers in lobbies which then become gathering places for any outsiders who have also bought SIM cards).Another big plus is that this luxury hotel has a French GM who obviously knows his food, which in Cuba is quite important unless you are addicted to more starch and sugar than you get at home. But Xavier Destribats, who awaits the arrival of both a French and a Japanese chef, is going to change the perception of Cuban food (he knows that man cannot live on daiquiris and mojitos and cigars alone, but good bread helps and he will be importing proper flour for proper bread made by his German baker).Here, looking in front of you is Parque Central, and Gran Teatro de La Habana, and to one side of the hotel is the Museo Bellas Artes, with, behind you, the Bacardi building, the world’s largest Art Deco structure, and the iconic El Floridita bar, Ernest Hemingway’s renowned watering hole.Ernest Hemingway, with his second wife Pauline Pfeiffer, first came to Cuba in 1928. They were in transit, awaiting another ship, and they spent their three nights in Havana at the Hotel Ambos Mundos, on Obispo, in La Habana Vieja. What is still rated a luxury hotel appears quaintly unique today, with its still-working open-sided elevator, taking some tourists up to room 511, his favourite when he returned on and off for many years after. But, says the Gal, the absolute must for any interested visitor to Havana is to head out to his farm, Finca Vigia, ‘lookout farm’, 19 kilometres from the city. After Hemingway’s death in 1961, his widow, his fourth wife Mary, travelled back to Havana and, although she took away unfinished manuscripts, she gave the farm and most of its contents to Fidel Castro and the Cuban nation.It was opened as a government museum on what would have been Hemingway’s 63rd birthday, 21 July 1962. On 29 April 2016, the US Congress was told how the National Trust for Historic Preservation recognises the entire Finca Vigia estate as the only US Historic Preservation site outside the USA. When visiting today, you cannot go inside his house but you peer through the windows and doors, at some of the 9000-plus books on his shelves, apparently in over 30 languages. You see his study, where he wrote, mornings-long, standing up at his typewriter. The dining room, with a table for six, has a big Miró (now a copy) hanging over, and a Picasso ceramic on the end wall. The guest bedroom has the shortest beds for adults ever seen, but, judging by the number of empty liquor bottles displayed elsewhere in the house, perhaps sleeping was not number one priority here.One tip: when visiting Finca Vigia, do try to get the deputy director of the museum, Isabel Ferrero, as your guide. A fluent English speaker and life-long student of Hemingway, she has access to all the private papers. Only she and Valerie Hemingway, the writer’s protegée and secretary, Valerie Danby-Smith, who married his son, Gregory, after Hemingway’s death, know as much about the minutiae of his life, and since Valerie Hemingway is now in her late 70s, I suggest you stick with learning from Isabel, who delivers her vast knowledge with such enthusiasm, as though she has all the time in the world and as if this is the first time she has ever given the talk. She takes you around the outside of the house, and through some of the six hectares of garden.You hear about the 55 or so cats that Ernest Hemingway loved to have around him. You see the four gravestones for the family dogs. You see the swimming pool in which a guest, Ava Gardner, is supposed to have swum naked, and you see Hemingway’s beloved fishing boat, Pilar. After this, if you want more Hemingway, you can head back into Havana, for drinks at his favourite watering holes, La Bodeguita del Medio, where he had his famous Hemingway Mojito (double the rum, but hold the sugar), and, next to the gorgeous luxury Gran Hotel Mazana Kempinski La Habana, the bar La Floridita, where he tended to choose a daiquiri. Alternatively you could go back to his favourite hotel, Ambos Mundos, for a drink in the bar there. What a shame Hemingway never saw Gran Hotel Manzana Kempinski La Habana because that, undoubtedly, would be his top for style, and authenticity. Mary Gostelow travels over 300 days a year, doing one-night stands in top hotels around the world. Read her daily travelogue, www.girlahead.com.last_img read more

Go back to the enewsletter

first_imgGo back to the enewsletter Go back to the enewsletterEmirates has introduced 3D seat models on their homepage emirates.com/au, becoming the first airline to introduce web virtual reality (VR) technology on its digital platform.The 3D seat model is a visualisation engine that displays an immersive 3D 360-degree view of the interior of the Emirates A380 (upper and lower decks) and the Emirates Boeing 777, giving customers a chance to explore their seats, the spacious cabin and the Emirates on-board product.This new feature allows users to navigate through all classes of cabin, including Business and First Class, as well as the On-board Lounge and Shower Spa on the Emirates A380 using navigational hotspots.“We are pleased to be the world’s first airline to introduce this cutting edge web VR technology, which offers our customers an immersive opportunity to learn more about the fantastic Emirates experience before they step on board,” said Alex Knigge, Emirates’ Senior Vice President, Corporate Communications, Marketing and Brand (Digital).The immersive experience is now available for the three class Emirates A380 but will soon include renderings of Emirates’ entire fleet including all configurations of the A380 and Boeing 777 aircraft.Users can enjoy hands-free cabin navigation and seat selection by using any VR headset like Google Cardboard.Customers accessing emirates.com/au via their mobile devices or the Emirates app for iOS and Android will also be able to explore their seats before checking in online with the 3D seat map.The tool allows customers to navigate from one seat to another, and even allows potential customers to book their preferred seats from within the 3D environment.last_img read more

Related New MilanStockholm flights from easyJetSt

first_img RelatedNew Milan-Stockholm flights from easyJetStockholm-Arlanda Airport will welcome the arrival of easyJet flightsNew flights to Kuressaare unveiled by Estonian AirEstonian Air will launch new flights from Tallinn to KuressaareFlights from Tallinn to be introduced by RyanairFlights from Tallinn to be introduced by Ryanair Estonian Air has announced plans to increase the number of flights from Tallinn to Stockholm following the decision from SAS to discontinue the route.The Estonian national carrier will operate five daily flights between the two cities from August, up from the current schedule of four flights a week from Tallinn to Stockholm’s Arlanda Airport and two services a week from Kuressaare to the Swedish capital.Flights will continue to run as part of the existing codeshare between SAS and Estonian Air and passengers will be able to use the joint frequent-flyer scheme, EuroBonus.Ilona Eskelinen, PR director at Estonian Air, commented: “Sweden and Stockholm is a big and important market and we wish to continue to offer great flexibility and fast connections to our customers.”By adding flights we will maintain good connections with the SAS route network at Stockholm-Arlanda airport.”The airline recently added its first direct flight to Rome. The service will operate twice weekly from Tallinn to the Italian city as part of the carrier’s summer schedule which also includes flights to Paris, Dubrovnik and Simferopol. ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Maplast_img read more

Claire Connachan is an FX expert and has worked at

first_imgClaire Connachan is an FX expert and has worked at one of the UK’s largest independent foreign exchange companies.We’ve got more practical travel tips below:All about the airline laptop banAs easyJet becomes the first UK airline to announce a hand luggage ban on laptops and tablets, we explain what this flight ban means for your travel plans.How to keep your luggage safe abroadHere are 8 theft-proof travel accessories to keep you and your luggage secure next time you jet-off. Which travel vaccinations do you need for where?So, you’ve got your flights, you’ve booked your accommodation, now all that’s left to do is get yourself protected. We’ve got the lowdown on the jabs that will keep you healthy on holiday.*Published April 2017. Any prices are lowest estimated prices only at the time of publication and are subject to change and/or availability.Skyscanner is the world’s travel search engine, helping your money go further on flights, hotels and car hire. 3. Watch the exchange ratesWatch the daily “interbank” rates on a money converter app like www.xe.com on your chosen currency so you know what makes a good exchange rate. Currency fluctuates constantly, so the price you get will never be the same from day to day. Many things cause travel money to wobble, from employment figures to economic forecasts to interest rates, as well as the ongoing uncertainty around Brexit, which continues to have an impact on the pound to Euro exchange rate. When is the best time to change currency?Allow plenty of time to watch currency movements; start looking at least one month before your holiday and buy when the rate is climbing and the pound is strongest ie. when you get the most euros, dollars or other currency for your sterling. This also gives you enough time to order your travel money online if this works out cheaper (see point 6, below). It’s hard to accurately predict FX but forecasting sites can help judge whether the value of the pound is likely to fall or rise before you go away.4. Shop around for your holiday moneyCurrency exchange rates not only fluctuate from day to day, but also from provider to provider. Prices are not the same across the board so it’s extremely important to shop around for the best exchange rates before you purchase. Where is it best to exchange currency?There’s not one foolproof place to get the best rates on foreign currency so don’t just rely on the Post Office or your usual provider; phone around and ask for rates or use the excellent MoneySavingExpert Travel Money Max comparison site. Don’t wait until you get to the airport, your hotel or foreign banks, as these will usually charge more commission. If you choose to use a credit or debit card for some of your purchases abroad, always ask to pay in local currency to avoid something called a ‘dynamic currency conversion rate’ which businesses will apply to convert your purchase into sterling. Best ways to exchange money for travel Watch the exchange ratesBuy in advance Use a credit card with no fees (Halifax Clarity)1. Know your FX jargonForeign exchange has its very own jargon. Learn the lingo so you don’t get led up the garden path when purchasing your holiday money:sell rate: what you get when you exchange pounds buy rate: what you get when you exchange leftover foreign currency interbank or bank to bank rate: the wholesale exchange rate that banks use between themselvesLearn more examples of money exchange jargon here and become a fully-fledged FX whizz.2. Investigate your currencyThe US dollar and Euro exchange rate may be fairly straightforward, but some foreign currencies have odd quirks that you need to watch out for. For example, the Moroccan Dirham cannot be exchanged internationally, and Cuba has two currencies – one for tourists and one for locals! To boot, several countries in Southeast Asia, including Cambodia, use US dollars as a second currency, but your dollars need to be pristine – ie. no rips or folds – to use them in Myanmar. Be sure to investigate what you need before you purchase your travel money. ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map 9. Prepaid cardsAnother alternative to carrying bundles of cash around is a pre-paid card. This can give you a bit more peace of mind, as your travel money will be ‘locked‘ at the exchange rate on the day you bought the card, and it won’t fluctuate as you spend, like using debit or credit cards. You load the card with money before you leave the UK then use it as a substitute debit card. Like travellers’ cheques, they have some limitations, including purchase costs or hidden charges, so be sure to read the small-print before you buy. 10. Don’t believe the hypeTravel money providers offer things like ‘0% commission’, ‘best rates on the high street’ or ‘guaranteed best rates’. These claims are often misleading and should not be taken at face value. For example, 0% commission sounds great but rates can be poorer as commission is hidden in their exchange rate margin. The best way to get a great exchange rate is to shop around, check out money converters for current rates and know your currency. Don’t be fooled by marketing spiel!center_img 5. Negotiate discount ratesExchange rates are not set in stone and it’s possible to negotiate a discount with specialist bureaus, especially if you are exchanging a large sum of cash. As a guide, you can often get an extra 0.5% on the advertised rate if you have a large amount to exchange (it makes a difference!). Much like a price-match scheme, you can also negotiate prices if you see a better rate with another provider, so get bargaining!6. High street vs onlineBe aware that many specialist foreign exchange providers offer much better rates over the internet. Plan ahead before you travel and order cash online to pick-up in-store or deliver through the post, and you tend to get a much better rate than the high street. To check who offers the best online rate, use an comparison site like Travel Money Max. We’ve got more money-saving tips for cutting your holiday spending in this guide. 7. Watch out for credit card feesAlthough it’s easy to walk into a bureau de change and whip out a credit or debit card to buy travel money, it’s not always the best value, as some cards tack on extra fees. Each card provider has a different policy, but fees usually start around £1.50. It can work out cheaper to get your pounds from the hole-in-the-wall with your debit card and convert the notes to travel money instead. On the flip side, if you’re intending to use a credit card abroad, some banks and credit companies now offer cards with travel incentives like zero foreign transaction fees and low interest on cash withdrawals abroad. Check out our article on the best credit cards for travel before you go.8. Travellers’ chequesIf the thought of carrying large wads of cash abroad gives you the heebie-jeebies, consider travellers’ cheques. Travellers’ cheques can be replaced if they are lost or stolen and are more secure than cash. The most widely accepted around the world is American Express. Travellers’ cheques have limitations; only six currencies are available and they generally need to be cashed in for hard currency overseas. RelatedBest Debit Cards to use AbroadBest Debit Cards to use Abroad3 travel money mistakes to avoid3 travel money mistakes to avoidTips for using Credit Cards abroadTips for using Credit Cards abroadlast_img read more

Genoa Italy – This week Piaggio Aero Industries n

first_imgGenoa, Italy – This week Piaggio Aero Industries named John M. Bingham as President & CEO of Piaggio America Inc. the US subsidiary of the Italian aircraft manufacturer, which is responsible for the distribution of the company’s successful Piaggio Aero P.180 Avanti II aircraft in the Americas.John Bingham’s career spans the high luxury automobile industry, where he served as Vice- President of Rolls-Royce &Bentley Motor Cars, Inc., and most recently in General Aviation as Executive Vice President, for Cirrus Design, with the added worldwide role of Managing Director of Cirrus International.The new Piaggio America CEO has considerable professional and managerial experience also with Piaggio Aero Industries having joined the company as Piaggio America Executive Vice President, and most recently adding the worldwide responsibilities of Chief Marketing Officer Piaggio Aero in 2009. Bingham retains this position in his new CEO role.Alberto Galassi, CEO of Piaggio Aero Industries said “John is highly regarded in the aviation industry, and he brings his proven strengths to this new role in Piaggio America. Piaggio Aero has a unique product requiring unique innovations, and our company will benefit from John’s experience and strong marketing skills in both the important American and international markets”Former Piaggio America President and CEO Tom Appleton has retired but, he will remain active in the company as a consultant to Piaggio Aero“I’m very pleased to take on this new role in a company that includes as shareholders some of the most important industrial and financial groups of the world, and thank Alberto Galassi and Piaggio Aero’s board of Directors for the trust and responsibility they have put in me” stated Bingham. “. The Piaggio Avanti II has become a very successful aircraft and, with the continued support and contribution of our shareholders, our workers and all Piaggio Aero partners we can confidently seek out new market opportunities to grow the company further.Piaggio Aero also named Bingham to the Board of Directors of Piaggio America Inc. as well as Giuliano Felten – Piaggio Aero Deputy General Manager & CCO, and Marco Zammarchi, Piaggio Aero CFO.www.piaggioaero.comlast_img read more