How financial literacy education pays off

first_imgBecause consumers easily get overwhelmed with credit card debt, along with everyday bills, many financial organizations have stepped up financial literacy efforts.Consumers are encouraged to take courses in financial management, budgeting, and targeted savings. It appears to be paying off.The National Foundation for Credit Counseling (NFCC) has studied consumers who went through a credit counseling program and those who didn’t. An Ohio State study shows that those who received financial education did better in reducing levels of revolving and total debt, along with demonstrating better money management and financial confidence.Compelling evidence“Working together with financial institutions who support financial education, the NFCC Sharpen Your Financial Focus initiative has positively changed American consumers’ knowledge and behaviors related to personal finance,” Susan Keating, NFCC President and CEO, said in a statement. “The Ohio State University research team has provided the most compelling evidence that nonprofit financial education is a catalyst for specific changes that improve financial capability.” continue reading » 17SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Tramonda Moore Talks Recruitment, Renewed Oklahoma State Interest

first_img2016 Oklahoma State signee Tramonda Moore, who is spending the season in the junior college ranks at Independence Community College, took some time to answer some questions regarding his recruitment, Oklahoma State’s renewed interest and more.Of note, Moore confirmed that his classification, officially is 2018. So he is a ways away from making a decision on where he will sign at his next school.KB: So are you planning to classify as a 2017 player?Tramonda: No sir. Fall of 2018. I really want to take my time with making a decision.KB: So when you say you want to take your time with your decision — what are you looking for in a school this time around?Tramonda: Less depth. Not saying I am afraid of competition, but I want to go somewhere I can make an immediate impact.KB: Have you narrowed a list of top schools yet? If not, where does OSU stand?Tramonda: Well .. I honestly don’t have a top school at this point. I am still waiting and observing. Oklahoma State will always be home. But at the end of the day I have to do what’s best for me and my future / career!KB: So you stay in contact with Coach Adkins (offensive line coach)?Tramonda: Oh yeah we are really close!! We talk almost everyday.Tramonda confirmed his current offer sheet includes Oklahoma State, Iowa State, UCLA, UTSA, and Mississippi State.When he signed the last time around, he took his decision down towards the end before committing late in the process and signing with Oklahoma State.He made it clear he wants to take his time again on this one. He will be available to sign and play in the fall of 2018 at his next school — so I would expect his decision could come at some point in 2018, if I were guessing. But he still has not made his decision on that, and it’s a long process in recruitment. While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up.last_img read more

Minnesota Offensive Lineman Transfers to Oklahoma State

first_imgWhile you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up. Oklahoma State has bolstered its depth along the offensive line, with the announcement on Wednesday that former Minnesota center Tyler Moore will transfer to OSU.It’s been a long process dealing with transferring from the University of Minnesota,” Moore said on twitter. “I am glad to announce that it’s finally over. I am committing to the Oklahoma State University and I am enrolling this spring semester! I am excited for my future, I cannot wait to be on campus and work with Coach Gundy and Adkins.”Minnesota controversially fired its head coach Tracy Claeys after one season as head coach, and hired #rowtheboat expert PJ Fleck away from Western Michigan.Moore was a two-year starter for the Golden Gophers who made 20 consecutive starts at center, where OSU could use some help and experience outside Brad Lundblade.He will sit out the 2017 season due to NCAA transfer rules and play in the 2018 football season, but will be on campus this week to enroll early and get to work.last_img read more

Taylor, Carson, Lampkin All Headed to NFL Combine

first_imgThe Big 12 has a professional football player problem. This is no surprise to people who follow these things closely. Oklahoma State is certainly part of that, but this year the Pokes actually surpassed the Big 12 average in NFL Combine invites.Of the 19 Big 12 players invited to Indianapolis next month, OSU has three of them. Defensive tackle Vincent Taylor, running back Chris Carson and cornerback Ashton Lampkin will all take their talents to the next level to see how high they can move up draft boards.Other Big 12 invites include Rasul Douglas, KD Cannon, D’Onta Foreman, Dede Westbrook, Jordan Willis, Pat Mahomes, Seth Russell and Samaje Perine.I asked Taylor how excited he is to go to Indy.“I’m very excited being one of the guys from OSU to go as a junior,” Taylor told PFB. “I’m looking forward to going out there to do my best and just enjoy the moment because moments like this only come around once.”Lampkin got a 5.12 grade from NFL.com, Taylor got a 5.35 and Carson did not a grade on the following scale:“I think as a pro I will learn from some of the other guys who have been in the league and I think I bring my athleticism as a big guy,” Taylor told me. “I’m just looking forward to going in to contribute to any team that drafts me.”The Combine will take place from Tuesday, February 28 to Monday, March 6. Here is a full list of all the participants. While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up.last_img read more

Report: Oklahoma State’s First Two Games of 2017 Changing Days

first_imgOklahoma State could open with two weekday games in 2017. First, with Tulsa on a Thursday night in August at Boone Pickens Stadium. Then against South Alabama on a Friday the very next week.The Oklahoma State-Tulsa season opener is expected to be moved to Thursday, Aug. 31, for television purposes. The Cowboys and Golden Hurricane are scheduled to open the season Sept. 2, but multiple sources said the game will be moved.And if OSU-Tulsa is moved to Thursday night, OSU’s next game, scheduled for Sept. 9 at South Alabama, is expected to be moved to Friday night, Sept. 8, for television purposes. [NewsOK]Thankfully nothing bad every happens on weeknights with a title-contending Oklahoma State football team. I’m just kidding. I don’t mind these moves.I like the Thursday night opener a lot. That has 62-31 written all over it, and it’s always fun to get the first one out of the way so you can enjoy the rest of the college football opening weekend. The South Alabama game, I presume, is being moved because there’s a good rattler hunt in Mobile that weekend for the head ball coach to attend.Tulsa went 10-3 last year and beat Central Michigan 55-10 in the Miami Beach Bowl. Yeah, that Central Michigan. South Alabama went 6-7 and lost to Air Force in the Arizona Bowl. While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up.last_img read more

‘Neymar, CR7 would get along’

first_imgTransfers Neymar & Ronaldo would get along well at Real Madrid – Casemiro Dejan Kalinic 15:38 16/3/2018 FacebookTwitterRedditcopy Comments(1) Cristiano Ronaldo Neymar Real Madrid PSG Paris Saint-Germain Getty Images Transfers Real Madrid Cristiano Ronaldo Neymar PSG Ligue 1 Primera División The Paris Saint-Germain star has been heavily linked with a move to the Spanish capital, and Casemiro would love to see the deal come to fruition Real Madrid midfielder Casemiro believes his Brazil team-mate Neymar would get along well with Cristiano Ronaldo if he joined the Spanish giants.Neymar, 26, is linked with a stunning switch to Madrid despite only joining Paris Saint-Germain in a world-record move from Barcelona last year.But while Casemiro feels Neymar would enjoy a good friendship with Madrid star Ronaldo, he believes his international team-mate will stay at PSG. Article continues below Editors’ Picks Williams case shows Solskjaer isn’t holding Man Utd’s youngsters back – he’s protecting them Goalkeeper crisis! Walker to the rescue but City sweating on Ederson injury ahead of Liverpool clash Out of his depth! Emery on borrowed time after another abysmal Arsenal display Diving, tactical fouls & the emerging war of words between Guardiola & Klopp “[Neymar] has always been spectacular, since he was 11 years old. He does crazy things,” he told El Partidazo .”I don’t think there is any chance that he will come to Real, but you have to ask [Madrid president] Florentino Perez.”He knows that the door is always open for him in Madrid, but he is happy in Paris. He always says that he is happy there, that he is comfortable in Paris. There are many Brazilians there too, it is very quiet there, but whether it’s possible you have to ask Florentino.”With the quality that he has, I would sign him for sure. I hope he comes this season.”He is a great player, one of the top three in the world. He can do whatever he wants off the pitch if he continues to do what he does on it.”He would get along very well with Cristiano, very well.”A switch to Madrid would likely see Neymar play with Ronaldo, having spent four seasons alongside Lionel Messi at Barcelona.Casemiro has no doubt about who is the world’s best, unsurprisingly backing his Madrid team-mate.”Messi is a great player, but I’m staying with Cristiano,” he said.”For me, Cristiano is the best player in the world.”last_img read more

Spender Sanders and Dru Brown on the Ongoing Quarterback Battle

first_imgSTILLWATER — It might seem like the Dru Brown vs. Spencer Sanders battle to be Oklahoma State’s starting quarterback is a hostile situation from the outside, but the two say otherwise.Sanders and Brown met with the media for the first time as Cowboys on Friday at OSU’s Media Day, and the two couldn’t stop being supportive of each other, while still recognizing the competition at hand. The redshirt senior and redshirt freshman might be at different points in their respective careers, but they said they are working toward the same goal.“We’re both great quarterbacks,” Sanders said. “Dru is a talented quarterback, and I believe that he can get the job done if I don’t play. I’m pretty sure he believes that I can get the job done. We both believe in each other, and we both feel like we can both get the job done. I’ll be happy with whatever choice Coach (Mike) Gundy makes, and hopefully it’ll be the best for this team. I know it will be because he knows better than any of us.”Brown’s stance fell in line with that.“At the end of the day, the coaches are going to pick someone, and I’ll accept whatever happens,” Brown said. “Like I said many times, we’re both here to win, so whatever happens we’re gonna support each other because that’s what we came here to do is win.”Spencer Sanders has been committed to play at OSU since Oct. 1, 2016. Sanders signed in December of 2017, but even with the highly touted recruit already coming in, it didn’t dissuade Brown from also coming to Stillwater, as he committed a few months later.“It was kind of like, it is what it is,” Brown said. “As a quarterback, you’re going to have to compete wherever you go, so it’s not, ‘Oh, he has this many stars,’ or that. I always respect my competition, and that hasn’t changed since I got here. But that doesn’t really go into it too much. I didn’t think into it too much.”Sanders said his reaction to seeing that Brown was also coming was similar to that of Brown’s.“It’s just competition,” Sanders said. “That’s what this level’s about. I was never scared of a competition. My father taught me well, you never back down from a challenge.“Just because I was a Texas All-State player doesn’t mean I’m a Heisman winner. It just means that I was a great player in high school, and I appreciate that. Now it’s on to the college level, and I’ll see what I can do.”Brown and Sanders play a card game they call threes with each other. Sanders said it gets competitive to the point of slamming cards down. New offensive coordinator Sean Gleeson has talked about how he wants the two to compete like they’re in a dogfight, but there is still a line of respect between the two.“We’re friends; we’re a bond,” Sanders said. “We don’t hate each other. We have nothing against each other. Whoever goes in, we’re not gonna discredit or tell him he’s not good enough or say we’re better. If the the coaches believe that’s the best decision, we’re gonna respect it, we’re gonna stand by them. When he comes off to the sideline, I’ll support him, and when I come off to the sideline, I’m pretty sure he’ll support me. We’ll support each other either way, no matter what happens or whatever the choice is.“I’m pretty sure we both have the mentality that we want the starting job, but we both know that whoever they pick, that’ll be the right man. And that’ll be the best man for the job, and we’re gonna support each other no matter what.”At his presser Saturday, Gundy said both quarterbacks would play if a decision had to be made now. That in itself is a scenario that would need to be worked out as far as who plays when, but if that’s what happens, the two said they’ll support it that decision.“Whether it’s one guy or two guys, whatever we gotta do to win a Big 12 Championship,” Brown said. “That’s why we came here.” While you’re here, we’d like you to consider subscribing to Pistols Firing and becoming a PFB+ member. It’s a big ask from us to you, but it also comes with a load of benefits like ad-free browsing (ads stink!), access to our premium room in The Chamber and monthly giveaways.The other thing it does is help stabilize our business into the future. As it turns out, sending folks on the road to cover games and provide 24/7 Pokes coverage like the excellent article you just read costs money. Because of our subscribers, we’ve been able to improve our work and provide the best OSU news and community anywhere online. Help us keep that up.last_img read more

10 months agoWatford players ease talk of Europe

first_imgAbout the authorPaul VegasShare the loveHave your say Watford players ease talk of Europeby Paul Vegas10 months agoSend to a friendShare the loveWatford’s players aren’t getting carried away with their lofty table position.The Hornets’ return to form and a victory at West Ham that lifted Javi Gracia’s men briefly up to sixth made Europe one of the post-match buzzwords again. Watford defender Craig Cathcart said: “Since I’ve come to the club it’s been an uphill scale. We got promoted in the first year and we’ve managed to stabilise ourselves in the Premier League.“We’ve added top-quality players since we’ve been here and it’s just a pleasure to play for the club. Things are going really well.“But we can’t rest on our laurels too much. We need to take each game as it comes because we have a game against Chelsea in a couple of days. We have an experienced squad who have been in England quite a while now. We know we can’t look too far ahead.“Things can change very quick. If you’re not 100 per cent every game then you won’t pick up points. We’ve definitely learned from that the last few seasons.”Troy Deeney also said: “I let everybody else do the ambitions. We know what we have got in the dressing room.”We are not a bad outfit. But we’ve got to keep doing what we’re doing, be a bit arrogant in terms of knowing what we have got, but humble enough to know you have to work hard to win in this league.” last_img read more

10 months agoSpurs boss Pochettino not ready to write off Janssen

first_imgSpurs boss Pochettino not ready to write off Janssenby Paul Vegas10 months agoSend to a friendShare the loveTottenham aren’t ready to sell Vincent Janssen just yet.The Daily Mail says Tottenham are set to hold talks with out-of-favour Janssen as they consider letting the striker leave in the January transfer window. Janssen returned from a foot injury on Monday as he played 45 minutes for Tottenham Under 23s in 1-1 draw with Liverpool.Spurs boss Mauricio Pochettino will hold talks with striker Janssen this week as the club weigh up whether to sell the Dutchman this month. And the forward could yet revive his flagging Spurs career if he can prove his worth to Pochettino this month. TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img

Federal use of AI in visa applications could breach human rights report

first_imgOTTAWA – A new report is warning about the federal government’s interest in using artificial intelligence to screen and process immigrant files, saying it could create discrimination, as well as privacy and human rights breaches.The research, conducted by the University of Toronto’s Citizen Lab outlines the impacts of automated decision-making involving immigration applications and how errors and assumptions within the technology could lead to “life-and-death ramifications” for immigrants and refugees.The authors of the report issue a list of seven recommendations calling for greater transparency and public reporting and oversight on government’s use of artificial intelligence and predictive analytics to automate certain activities involving immigrant and visitor applications.“We know that the government is experimenting with the use of these technologies … but it’s clear that without appropriate safeguards and oversight mechanisms, using A.I. in immigration and refugee determinations is very risky because the impact on people’s lives are quite real,” said Petra Molnar, one of the authors of the report.“A.I. is not neutral. It’s kind of like a recipe and if your recipe is biased, the decision that the algorithm will make is also biased and difficult to challenge.”Earlier this year, federal officials launched two pilot projects to have an A.I. system sort through temporary resident visa applications from China and India. Mathieu Genest, a spokesman for Immigration Minister Ahmed Hussen, says the analytics program helps officers triage online visa applications to “process routine cases more efficiently.”He says the technology is being used exclusively as a “sorting mechanism” to help immigration officers deal with an ever-growing number of visitor visas from these countries by quickly identifying standard applications and flagging more complex files for review.Immigration officers always make final decisions about whether to deny a visa, Genest says.But this isn’t the only dive into artificial intelligence being spearheaded by the Immigration Department.In April, the department started gauging interest from the private sector in developing other pilot projects involving A.I., or “machine learning,” for certain areas of immigration law, including in humanitarian and compassionate applications, as well as pre-removal risk assessments.These two refugee streams of Canada’s immigration system are often used as a last resort by vulnerable people fleeing violence and war to remain in Canada, the Citizen Lab report notes.“Because immigration law is discretionary, this group is really the last group that should be subject to technological experiments without oversight,” Molnar says.She notes that A.I. has a “problematic track record” when it comes to gender and race, specifically in predictive policing that has seen certain groups over-policed.“What we are worried about is these types of biases are going to be imported into this high risk laboratory of immigration decision-making.”The government says officials are only interested developing or acquiring a tool to help Immigration and Justice Department officials manage litigation and develop legal advice in immigration law.“The intent is to support decision makers in their work and not replace them,” Genest said.“We are monitoring and assessing the results and success of these pilots before we launch or consider expanding it to other countries and lines of business.”In April, Treasury Board released a white paper on “responsible artificial intelligence in the government of Canada,” and is currently consulting with stakeholders to develop a draft directive on the use of automated decision-making technologies within government.Molnar says she hopes officials will consider the Citizenship Lab’s research and recommendations, including their call for an independent, arms-length oversight body to monitor and review the use of A.I. decision-making systems.“We are beyond the conversation whether or not A.I. is being used. The question is, if A.I. is here to stay we want to make sure it is done right.”—Follow @ReporterTeresa on Twitter.last_img read more