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"Is it being sponsored by a bank?" Kobliner asks. "Is the website that's offering it to you — are they getting money back from what you're clicking on?"
And don't worry so much about learning how to compute interest, or amortization. "You just have to know that, 'Gee, I want to pay 5 percent rather than 10 percent,' " she says.
Another thing young workers should begin planning is their retirement. And Kobliner says they should start when they're 21.
"I think that sounds frightening to some," she admits.
But she adds that retirement accounts are essentially savings accounts that allow your money to grow without being taxed. And while there are restrictions, the money isn't out of reach.
"As soon as you have even a little bit of money, I'm a real advocate of putting money into something called a Roth IRA," Kobliner says. "And, if you need it, the money you put in, in an emergency, you can get it out."
The key to saving — for that emergency, or for retirement, she says — is "basically, starting as early as possible."
American golfer Phil Mickelson has won more than 40 PGA tournaments, his 2004 Masters win marking the first of his five major titles.
Born in San Diego, California, in 1970, Phil Mickelson showed immense interest in golfing as a toddler. His career began in earnest when he was at Arizona State, where he won three NCAA individual championships, before turning pro at age 22. Long known for his inability to win a major despite his elite skills, "Lefty" ...
In 1996 Mickelson married Amy McBride, a fellow ASU alum and a cheerleader for the NBA's Phoenix Suns. The couple went on to have three children: Amanda, Sophia and Evan.Amy was diagnosed with breast cancer in 2009, but recovered enough from treatments to root on Mickelson's 2010 Masters win in person.
Philip Alfred Mickelson was born on June 16, 1970, in San Diego, California. Mickelson's career in golf began around the time he could walk. His parents, Phil and Mary, have often recounted the story of a young Phil running away from home at the age of three, telling neighbors he was going to the golf course.
Phil Mickelson began an amateur golfing career as a teen. He won 34 San Diego Junior Golf Association titles, using his father's job as an airline pilot to score tickets to his various tournaments. His mother took a second job to help pay for his American Junior Golf Association play, which won him three consecuti...
Mickelson graduated from the University of San Diego High School in 1988, and headed to Arizona State University to study psychology. During his time at Arizona State, Mickelson jumped to the top of the national amateur golfing ranks. He won three NCAA individual championships and three Haskins Awards for outstanding c...
In 1990, while a junior in college, Mickelson became the first left-hander to win the U.S. Amateur title. That same year, he stunned critics when he won his first PGA Tour tournament as an amateur, becoming the fourth golfer in PGA history to accomplish this feat.
Mickelson earned his bachelor's degree from ASU after his 1991 win in Tucson. In 1992, on the eve of his 22nd birthday, he turned professional.
Mickelson's first title as a pro came in 1993 at Torrey Pines, and over the following decade, "Lefty" continued carving out his place among the best in the sport. He won the Byron Nelson Golf Classic and the World Series of Golf in 1996; the AT&T Pebble Beach National Pro-Am in 1998; and the Colonial National Invi...
Despite his consistently strong play, Mickelson was unable to get over the hump in the sport's biggest tournaments, leaving him with the unofficial "best player to never win a major" designation. But the big moment finally came at the 2004 Masters, when the 33-year-old birdied five of the final seven holes, includ...
It didn't take Mickelson nearly as long to return to the winner's circle in major tournaments, as he claimed the 2005 PGA Championship and notched a second Masters win in 2006. In 2007, Forbes estimated his earnings for the year at $42 million, making him one of golf's highest-paid players.
Lefty continued adding to his trophy collection with wins at the 2007 Players Championship and the 2009 Tour Championship. At the 2010 Masters, he mounted a strong charge on the back nine of the third round, before pulling away on the final day to earn his third green jacket. Two years later, he was inducted into the W...
On the verge of another major win, Mickelson sputtered toward the end of the 2013 U.S. Open, leaving him with his sixth runner-up finish in the event. However, there was no slowing the veteran champ over the final round of the British Open the following month, when he birded four of the last six holes to surge to victo...
Following a winless 2014, Mickelson placed second at the 2015 Masters, the 10th time he had done so in a major competition. However, adding to his career haul of 42 PGA titles would prove to be one of the biggest challenges of his career.
Mickelson began working with a new swing coach late in 2015, displaying positive results with a second-place finish at the AT&T Pebble Beach Pro-Am and a third-place showing at the British Open in 2016. However, his momentum was slowed when he twice underwent surgery for a sports hernia late in the year.
The golfer finally ended his dry spell in March 2018 by defeating Justin Thomas in a playoff to claim the WGC-Mexico Championship. "This is a very meaningful win," he said afterward. "I can't really put it into words given the tough times over the last four years and the struggle to get back here."
In August, it was announced that Mickelson and his longtime rival, Woods, would square off in a televised, one-on-one showdown in Las Vegas on November 23. Billed as a winner-take-all match for $9 million, Mickelson said they were considering adding a series of in-match challenges that included longest drive, closest t...
"It's an opportunity for us to bring golf to the masses in prime time during a period where we don't have much going on in the world of golf," said Mickelson, adding that they expected to wear microphones so fans could hear their banter.
The banter didn't quite materialize as expected, with both players concentrating on their shots, but Mickelson ultimately claimed the prize money and bragging rights by sinking a birdie on the 22nd and final hole.
Well, it's time for me bid y'all farewell. It's crazy to think that three years have already gone by. I started contributing to Plugged In shortly after I completed graduate school, and I hope that you've enjoyed the posts.
Well, it’s time for me bid y’all farewell. It’s crazy to think that three years have already gone by. I started contributing to Plugged In shortly after I completed graduate school, and I hope that you’ve enjoyed the posts. I’ve learned a lot from you, dear reader, and so many others who write and cover energy. And I’v...
I can’t say enough about what it’s been like sharing a corner of the Internet with Robynne, Scott, Sheril, Melissa, our guest bloggers over the years, and everyone at Scientific American. And a special thanks to Bora Zivkovic for making this blog network a reality and giving this engineer a platform on the web. I’m gon...
As for me, I’m leaving the green hills and breakfast tacos of Austin, TX for the Middle East. I’m excited to get back to my roots as a research engineer and explore a new (to me) part of the world. I’ll still be on Twitter (@davidwogan) and you can email me at david.m.wogan@gmail.com, so don’t be a stranger.
“But I have nothing to hide.” Ask someone whether they’re concerned about entrusting Google or Facebook with their personal data and you’ll often hear this answer. Many Canadians don’t see why it matters if someone else has their information.
Cambridge Analytica has shown us why it matters. Facebook allowed a personality quiz taken by approximately 270,000 people to harvest information from 87 million other Facebook users and Cambridge Analytica leveraged that information for political gain and profit.
The problem is not only that millions of people never clicked a ticky box saying “I consent” — though that is a problem. The problem is not only that privacy policies are long and impenetrable — though that, too, is a problem. The problem is that Cambridge Analytica used people’s information against them.
The ecosystem that’s fuelled the rise of Google and Facebook relies on a simple unwritten promise: they give us services; we give them data; they use that data to benefit both us and them. They might benefit more, but they are not supposed to use our data to harm us.
For example, you might believe Google won’t tell your employer when you search for another job and believe Facebook won’t tell the person you’ve been crushing on how many times you’ve looked at their profile pic. We believe this promise partly because it’s generally in their best interest to keep it: they want to colle...
Canadian governments need to consider the potential for Canadians’ data to do us harm. It’s a bold thing to do, standing in the way of the seemingly inevitable steam train hyperloop of technological progress and trying to steer it onto a better path: but it’s a necessary thing if we are to ensure Canadians share the be...
It’s a particularly important question in Toronto where Sidewalk Labs (a Google sister-company) is talking about a massive data-collecting project in the Quayside neighbourhood on the waterfront, predicated on exactly the same kind of promise: we will use your data to make life better.
Sidewalk’s vision is tantalizing: lower carbon emissions; cheaper buildings; more jobs, art, investment, prosperity, all at the low cost of our data. Sidewalk will definitely benefit from collecting our data; but will Torontonians? Could Toronto get most of the benefits without giving up our data?
Sidewalk needs that trust because it can’t practically get consent from every person who happens to walk by for its plan to vacuum up more data than God (or Google) and to use that data to make previously unknown conclusions.
Sidewalk has not yet revealed what this means, but it should raise alarm bells for anyone who might be ordinarily talented, ordinarily engaged, or ordinarily valuable: you know, normal people.
Sidewalk thus asks us to trust it specially: to trust it to use Torontonians’ data, not to our benefit, but to the benefit of the few people most valuable to Sidewalk.
Although we might trust companies to look after individuals out of their corporate best interest, we shouldn’t trust companies to decide what is good for everyone: that’s democracy’s job, as messy and unsatisfying as democracy may be.
At a time when we’re only starting to reckon with the implications of Facebook — a 13-year-old company — Toronto should be wary of Sidewalk.
Trust us, Sidewalk says. I don’t see why we should.
Peter Wills is a graduate of Harvard Law School and a volunteer at the Canadian Civil Liberties Association’s Privacy Project.
Travelers Cos. said Friday that costs of insuring against the damage caused by the Chilean earthquake and winter storms in the eastern United States led to a 2 percent decline in its first-quarter profit.
Those catastrophes were "unusually significant" during the first three months for Travelers as well as for the entire industry, the company said.
Even so, Travelers still raised its quarterly dividend 9 percent to 36 cents a share.
The commercial and property insurer, based in New York said its net income dipped to $647 million from $662 million a year ago. Nut earnings per share rose to $1.25 from $1.11 as the company had fewer shares outstanding.
Excluding items, it said operating profit totaled $1.22 cents per share. That is below analysts' average estimate of $1.36 per share, according to a survey by Thomson Reuters.
Travelers posted $6.1 billion in revenue during the first quarter, an increase of 6.7 percent from $5.4 billion a year earlier.
Travelers shares fell 76 cents, or 1.4 percent, to $53.03 in pre-opening trading.
The lower quarterly profit reflected $312 million, or 61 cents per share, in catastrophe losses tied to several severe winter, wind and hail storms in the eastern United States, as well as the Chilean earthquake.
Investment income rose 39 percent to $753 million.
Traveler's net written premiums edged up 1 percent to $5.25 billion in the first three months of the year, helped by the company's personal insurance and professional and international units. Net written premiums decreased in the company's business insurance unit, largely because of economic activity as a whole has bee...
Travelers, like other insurers, continues to seek customers at time when employers have fewer workers and less valuable property to insurer.
The company's combined ratio for the quarter rose 5.8 points to 96.4 percent. Combined ratio measures the amount of money insurers pay out in claims and expenses compared with how much they receive from writing new business. A ratio above 100 means the insurer pays out more in claims and expenses than it takes in from ...
Travelers is one of a handful of insurers that has resumed share buybacks, a sign of capital strength. The company said Friday it spent $1.4 billion to buy 27 million shares in the first quarter. It expects to buy back $3.5 billion to $4 billion shares this year.
Travelers also maintained its previous full-year earnings outlook, expecting operating profit to be in the range of $5.20 to $5.55 per share.
Analysts expect earnings of $5.76 per share for the year.
A High Court judge has deferred, pending a further hearing, a decision on whether to direct payment of about €10,500 arrears of living expenses to Sean Quinn jnr and his wife.
Mr Justice Robert Haughton said he needs to be satisfied the couple are “playing ball” with orders made by him last July concerning possible sale of a property of Mr Quinn jnr’s, the proceeds of which could go towards living expenses.
The judge directed the application concerning expenses arrears from December last be heard in May alongside an application by State-owned Irish Bank Resolution Corporation (IBRC) for the sale of two properties of Mr Quinn jnr.
Mr Quinn jnr and his wife Karen Woods, who have three children, will not be “destitute”, the judge said.
Neither are in paid work but will continue to receive living expenses, totalling some €100,000 annually, from accounts controlled by receivers appointed over their assets.
Having been told Mr Quinn jnr has worked unpaid for some nine months as part-time chief executive of his father’s new business, QuinnBet, because it is a start-up with insufficient funds so far to pay him a salary, the judge suggested he talk to his father about getting some payment for his work to date.
Ross Aylward, for the couple, disagreed with the judge there might be no arrears difficulties if a property of Mr Quinn jnr’s at Alder Lodge, Castleknock, occupied by his sister Brenda Quinn for €1,000 monthly rent, was rented for about €3,500 monthly. A previous €3,000 monthly short-term rental arrangement with anothe...
The living expenses are before the court as a result of orders, dating back to 2012, freezing accounts of some Quinn family members pending the full hearing of IBRC’s case alleging conspiracy to put millions of assets beyond its reach. The accounts are frozen subject to the Quinns being paid reasonable living expenses ...
Mr Aylward asked the court on Tuesday to direct that €10,500 arrears of living expenses be paid now, before the hearing of a separate motion by IBRC seeking orders requiring Mr Quinn jnr to sell Alder Lodge and another property at Clarion Quay, Dublin.
Counsel said mortgage payments on Clarion Quay are four months in arrears and there are service charge arrears on both properties.
Mr Quinn jnr opposes selling Alder Lodge because he believes property prices may rise further and he needed time to reply to the bank’s motion, received just last Thursday, counsel said. KBC may have an issue about the sale of Clarion Quay, mortgaged to the bank, which is being paid rent by tenants there, he also indic...
Mr Justice Haughton said he would give the couple time to respond to the bank’s application but was not prepared to authorise payment of the €10,500 arrears before that and would address all matters together in May.
If he considered the couple were “not playing ball”, he could refuse expenses, he remarked.
Mr Aylward said his clients are “playing ball” with “very restrictive” freezing orders affecting their ability to get on with their day-to-day lives and business opportunities.
A valuation was got for Alder Lodge and it was put it on the property to test the market, counsel said.
His clients considered the judge’s July order did not compel the sale but rather enabled it if Mr Quinn jnr considered it appropriate. They also accepted the accounts from which living expenses are paid would be reimbursed from any future income of theirs.
Bishop's sets an example other Canadian universities should follow, say the co-authors of the 2017 Campus Freedom Index.
Our society is becoming increasingly atomized. Social media enables us to spend all day long in an ideological bubble, in which our own views are fed back to us. While making us feel good, our echo chamber also polarizes, alienates and leads us to see those with whom we disagree as stupid or evil.
Now more than ever, these new realities require universities to step up and educate the next generation of Canadians about how to have a civil and intellectual conversation with those with whom we disagree.
Too many universities fail to understand this mission. Worse yet, many universities allow young people to interrupt, obstruct, intimidate and silence their ideological opponents, rather than using reasoned debate.
A case in point was an incident earlier this year, at McMaster University in Hamilton, Ont., involving University of Toronto professor Jordan B. Peterson, who had famously clashed with his own university after having opposed political correctness and compelled speech. Peterson had been invited by a student group to spe...
The University of Toronto and McMaster University both earned F grades in the 2017 Campus Freedom Index, which measures the state of free speech at public universities.
In Montreal, McGill University also earned an F. It claims that free expression “means the right to communicate one’s thoughts, beliefs and opinions, and to comment on any issue, including the right to criticize society at large,” yet failed to defend its own professor Andrew Potter when he penned a controversial opini...
In total, the index awarded 38 F grades to universities and student unions across the country.
These universities forget that the pursuit of their missions depends entirely on freedom of expression and academic freedom. Universities should be working overtime to foster a culture of discourse and debate, openness to new ideas and a willingness to be offended.
Sadly, only one university received a perfect score of two A grades in this year’s Campus Freedom Index: Bishop’s University, in Sherbrooke. It unequivocally reinforces the rights of professors, students and guests to criticize the university, to engage in peaceful discourse, and to learn by discovery and challenge.
We hope that more universities will follow the Bishop’s example and return to their core function: fostering open minds, critical inquiry and intellectual discovery.
Organizations with many remote locations typically have rigid wide area networks (WANs) based on costly MPLS connections and legacy routers that require a significant amount of time, effort, and expertise to configure, deploy and manage. Something better is needed to keep up in today’s fast-paced business world.
That’s where Software-Defined WANs (SD WANs) can help. SD WANs offer increased speed, faster deployments, agility to reconfigure in minutes, application prioritization, and cost savings. Many organizations are realizing these benefits today.
Join this webinar discussion to hear how leading companies are adopting SD WAN solutions to quickly deliver greater agility and impressive bottom line results.
-- Louie Belt is Principal Solution Architect for Advanced Data Center Solutions at Pomeroy.
-- Stephen Vandegriff is Managing Director - Network, Data Center & Workplace Services at Pomeroy.
How to pay salaries for some Redding police officers and firefighters will be discussed at a special meeting of the city council on Thursday.
Redding officials will kick off a series of public workshops on Thursday in an effort to find potential ways to cover the cost of seven public safety personnel.
At its meeting on Jan. 15, the Redding City Council approved one revenue-raising approach: taking steps that would boost the cost of building permits, recreation and planning fees and bring greater contributions from the hospitality industry.
To recalibrate building permit fees to reflect current costs, Redding would update the methods that are used to place a value on the project being built. That value, in turn, determines the permit fee the project's backer must pay to the city.
The measure, projected to raise $800,000, passed by a 4–1 vote. Council member Michael Dacquisto cast the only no vote after expressing concern the funding proposal did not include spending cuts.
During the meeting, council members also opted to look for funding alternatives. They voted to hold a series of workshops to go over the current budget with a fine-toothed comb in search of areas that potentially could be tapped to fund salaries of the public safety personnel.
About $800,000 is needed to cover the costs of three police officers and four firefighters.
Redding’s first of five special meetings on the budget will take place from 5 p.m. to 7 p.m. at Redding City Hall, 777 Cypress Avenue in Redding.

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