Two ways to make financial planning smart, not scary

first_imgDo you think people are more likely to spend five hours deciding on a car, planning a vacation or working on their retirement investments?A 2014 Charles Schwab survey of 1,000 retirement savers shows what you’ve probably already guessed: More than half said they spent over five hours on their last car decision, and 39 percent said they’d spent that much time planning their last vacation. But only 11 percent reported spending that much time on investing for their retirement savings.We get it. Deciding which car to buy or beach or ski hill to visit is fun and easy for most people. But, figuring out how to turn retirement assets into an income stream for the future?  That can be pretty intimidating for many.The good news is: As financial advisors, we’re here to help turn these experiences from scary to smart for the people and families we serve. To achieve this, we recommend two key tactics that can ease clients’ minds, stress levels and willingness to recommend to friends and family. continue reading » 18SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Governor Wolf Visits Centers of Excellence, Touts Strides Made in 2016-17 Budget to Combat Opioid Epidemic

first_imgGovernor Wolf Visits Centers of Excellence, Touts Strides Made in 2016-17 Budget to Combat Opioid Epidemic Public Health,  Substance Use Disorder Harrisburg, PA – Governor Tom Wolf and Department of Human Services Secretary Ted Dallas visited two Centers of Excellence today to discuss the significant strides made in the 2016-17 budget to combat the opioid abuse and heroin use epidemic in Pennsylvania. The Wolf Administration successfully secured the necessary funding for DHS to open 20 Centers of Excellence (COEs) statewide by October 1, 2016.“I am thrilled that by working with Republicans and Democrats, we have achieved this level of funding for our fight against this public health crisis,” said Governor Wolf. “Now that this year’s budget is complete, it is imperative that we all continue working together to focus on Pennsylvania’s opioid abuse and heroin use epidemic. While the budget allows us to expand treatment for individuals suffering from addiction, we can and should do more to address this matter that is plaguing all of our communities. My administration will keep its focus on this issue and I will continue preparing for the upcoming special session.”“The Centers for Excellence will provide vital, potentially life-saving coordination of care for Pennsylvanians struggling with the disease of addiction,” said Secretary Dallas. “Rather than just treating a person’s addiction, DHS will treat the entire patient through team-based treatment, with the explicit goal of integrating behavioral health and primary care and, when necessary, evidence-based medication assisted treatment. As our strategy involves both behavioral therapy and FDA-approved medication that individuals take to help curb cravings and manage withdrawal symptoms, it can improve the odds of recovery.”Governor Wolf and Secretary Dallas visited Gateway Rehabilitation Center in Allegheny County and Esper Treatment Center in Erie.“Our mission to heal the body, mind, and spirit of people suffering from addictive disease is greatly enhanced by this progressive program to coordinate care between physical, behavioral and addictive treatment providers,” said Paul Bacharach, President and CEO of Gateway. “We applaud the governor and the legislature for their willingness to work cooperatively in creating and funding this effort to reverse the growth of the prescription drug/opioid epidemic and the toll that it has taken on so many individuals and their loved ones.”“Esper Treatment Center is honored to be selected as a Center of Excellence within the Commonwealth of Pennsylvania,” said Jennifer Esper, President, Director, and CEO of Esper Treatment Center. “Our facility has 14 years of experience helping those that suffer from opiate addiction start on the path to recovery. We have the resources and the ability to help those who suffer not only with addiction but other external factors that can hinder their ability to start the process of recovery. We applaud all those individuals who are courageous enough to take the first step towards bettering their lives, and we will support them and help them on their journey as we always have. It is our hope that we can be the conduit for change and help put an end to this awful epidemic.”The current path of treatment for people who have opioid-related substance use disorders can be confusing and difficult to navigate. The links between behavioral health treatment and physical health treatment are often broken or not made at all. This means people may drop out of treatment after they receive care for their physical symptoms, bypassing critical components of care such as behavioral therapies and connection to community supports that can lead to meaningful recovery from substance use disorder.The Centers of Excellence are a central, efficient hub around which treatment revolves. These centers will have navigators to assist people with opioid-related substance use disorders though the medical system, and ensure they receive behavioral and physical health care, as well as any evidence-based medication-assisted treatment needed.The use of medication (like buprenorphine, methadone, and naltrexone), coupled with wrap-around supportive services, can prevent people from relapsing and improve their chances for recovery, ultimately driving the aforementioned statistics in the opposite direction.The Department of Drug and Alcohol Programs will license the COEs as drug and alcohol providers that provide one of the three FDA-approved medications.DHS is currently working with its actuaries to determine whether additional COEs can be funded by analyzing the impact they will have on the physical and behavioral health Medicaid managed care rates.For more information about the Centers of Excellence, visit www.dhs.pa.govLike Governor Tom Wolf on Facebook: Facebook.com/GovernorWolf August 04, 2016center_img SHARE Email Facebook Twitterlast_img read more

Semifinalists Emerge in GTBank Masters Cup

first_imgSemifinalists have emerged in the Season 9 of the GTBank Masters Cup after two days of scintillating encounters in both the male and female categories at the Campos Mini Stadium, Lagos.In the first quarter final match on Thursday, Anwar -ul- Islam, Agege gave CMS Boys Bariga, a football lesson as the boys from Agege walloped the Bariga Bombers 7-0 in a one-sided encounter.In the second quarterfinals game in the boys category and last match of the day Eko Boys High School defeated Bakare Disu Oshodi Memorial Senior High School, 4-1 in a thrilling encounter. In the girls’ category played earlier in the day, Ansar -ud-deen high school, Itire, defeated International School, Lagos 3-0, while Greensprings College, Lekki got the better of Corona College, Agbara 4-2.The matches continued on Friday, and in the first game of the day, LeadForte Gate College, Lekki defeated Ansar -ud – deen College, Isolo, 3-1 while Queens College, Yaba walked over Atlantic Hall, Epe.In the boys’ category, International School, Lagos were pummeled 1- 5 by Greensprings School, Lekki, while Kings College, Lagos defeated Birch Freeman High School, Surulere 3-1.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

USC fends off second-half comeback to beat Arizona

first_imgThe message was clear when No. 17 USC took on No. 22 Arizona on Saturday. The Pac-12 championship trophy was on display behind the Coliseum’s west end zone as a palpable reminder: Win, or this weekend would be the closest the Trojans got to a conference crown this season.USC was happy to answer the call after being accused of lackluster preparation and low energy in recent weeks. Facing a streaking Arizona side with a late-breaking Heisman contender at quarterback, the Trojans battled to their second statement win, downing the Wildcats 49-35 on Homecoming Weekend. USC squandered a 22-point lead in the second half but managed to avoid embarrassment with another late rally.“Big win for us,” Helton said. “It leaves us in control of our own destiny, with a great opportunity next week to go to Colorado and try to seal things up.”Marvell Tell and John Houston Jr. sack Khalil Tate in the second half – Katie Chin | Daily TrojanGoing into a game that would more or less decide the fate of the Pac-12 South, all eyes were on Wildcat quarterback Khalil Tate — an Inglewood native — as many wondered how the Trojans could contain the hottest player in college football. Arizona picked up a quick first down in its opening drive, but Tate followed up by firing incomplete on his first throw of the day. His run was stuffed for minimal gain on second down, and he took a sack from redshirt senior safety Chris Hawkins on the subsequent play. Barely making a dent in the box score, Tate was off the field.The snap then came in low to Wildcat punter Josh Pollack on fourth down, and before the redshirt junior could scoop it off the grass, sophomore wide receiver Michael Pittman Jr. crashed into him, popping the ball free into the hands of redshirt junior wideout Jalen Greene, who ran into the end zone for the opening score.The Trojan defensive front was aggressive from the start, consistently forcing Tate out of the pocket early to prevent easy passing and chasing him down quickly before he could break off one of his signature runs. After averaging more than 300 yards of offense across his first four career starts, Tate mustered just 19 yards on 12 carries through the entire first half against USC, and he completed five of 12 passes for 37 yards.“We heard all the talk about these guys,” junior running back Ronald Jones II said. “But we know what we’re capable of.”As its teammates did their part to contain Arizona, the Trojan offense turned to Jones, who was coming off a 216-yard, two-touchdown night at Arizona State. USC fed Jones out of the gate, allowing him to chew up 54 yards on the team’s opening four plays, though an unsuccessful fourth-down sneak attempt from redshirt sophomore quarterback Sam Darnold halted USC’s first drive at Arizona’s 16-yard line.But Darnold found his groove soon enough. A pair of passes to Greene — one going for a 22-yard gain — and a screen to Jones set the Trojans up near the red zone midway through the second quarter. Darnold then found redshirt freshman wide receiver Tyler Vaughns wide open down the middle for a 22-yard score. Vaughns crossed the plane again to build on a breakout two-touchdown night at Arizona State, and USC opened up a 14-3 cushion.Steven Mitchell Jr. dives for a touchdown catch in USC’s game against Arizona – Will Alpert – Daily TrojanWith its first touchdown of the night on the board, the Trojan offense began to roll, rising to the level of the excellent defense and special teams. Darnold unleashed a 27-yard deep shot during USC’s next drive, finding redshirt senior wide receiver Steven Mitchell sprawling for the catch in the end zone. The Wildcats added a field goal before the end of the half, and USC ran into the locker room with a 15-point lead.Arizona tried to force the issue with Tate to begin the second half, drawing up more passes and designed quarterback runs. The Trojan defense coped well initially, forcing a turnover early in the third quarter when sophomore linebacker Jordan Iosefa ripped the ball from Tate’s hands.A shanked punt following another strong defensive stop soon set USC up in Wildcat territory. Darnold immediately took the Trojans to the goal line with a 41-yard bomb to junior wide receiver Deontay Burnett, before a five-yard run from Jones capped a two-play scoring drive.But after getting sacked five times and seeing six runs stuffed for a loss, Tate finally broke out late in the third quarter, racing 32 yards up the gut for a touchdown that brought Arizona within 15. USC followed with a quick three-and-out, and Tate ripped off a 21-yard run, then a 30-yard touchdown pass. In the blink of an eye, the once-cruising Trojans found themselves nursing a single-possession lead.Tyler Vaughns after a touchdown grab against Arizona – Katie Chin | Daily Trojan“[Tate] is a very special player,” Helton said. “I hugged his neck afterward and said he honored his family and his city.”A 42-yard scoring scamper from Ware appeared to reestablish some breathing room, but as soon as USC pulled ahead 35-20, it was 35-27 as Tate broke off a 54-yard gain of his own and threw for a 16-yard touchdown one play later.Then it was 35-35. The Trojans went three-and-out on offense following the Wildcats’ touchdown, and Tate shredded an exhausted USC defense. Arizona covered 84 yards in six plays, culminating in a three-yard touchdown run from Zach Green. Tate then passed to Tony Ellison on the two-point conversion to knot the score.The Trojans were scrambling late in the fourth quarter at home. Luckily, that is when Darnold has been at his best this season. Darnold completed four passes for 76 yards to march USC down the field in response to the tying score, and Jones punched it in at the goal line to give the Trojans a 42-35 lead. Darnold finished the game with 311 passing yards, two touchdowns and one pick.“When they tied the game, it was just like, ‘Hey, we have to go out there and do what we do,’” Darnold said. “We knew that they had a chance to come back, and when they did, we just grinded it out.”Tate threw an interception to redshirt junior cornerback Ajene Harris on the first play of the subsequent drive. Jones then iced the game with a 52-yard run, followed by another one-yard score as he eviscerated the Wildcats for 194 yards and three touchdowns on the game. With his big night, Jones became the first back-to-back 1,000-yard rusher for USC since LenDale White.Ronald Jones runs in for a score in USC’s win over Arizona – Katie Chin | Daily TrojanRedshirt sophomore linebacker John Houston Jr. intercepted Tate again on Arizona’s next possession, clinching the game for the Trojans.With the win, USC can punch its ticket to Santa Clara as early as next week. A victory at Colorado on Saturday afternoon would clinch the Pac-12 South, setting up a date with Washington, Washington State or Stanford in the Pac-12 championship game on Dec. 1.“There’s never a question mark about these kids and how resilient they are,” Helton said. “They care for each other. They care about being Pac-12 champions.”last_img read more