first_img Related news Canadian investors’ current level of nervousness is understandable, considering the uncertain economic conditions, which were well represented by the Bank of Canada’s surprise interest rate cut in January, Barker-Merz says. Although financial advisors cannot change the state of the economic markets, they can help investors decipher the vast amount of information available to them and guide them to the proper resources. “If you leave it in the hands of a consumer to go online and search what to invest in or [research] market volatility, there’s so much information out there,” Merz says. “It’s the advisor’s responsibility to aggregate the information, to send it in chunks and bite-sized information that won’t overwhelm the consumer.” And having advisors acting as resources for clients appears to be necessary as BMO’s study also found that 90% of Canadians are generally confused about investing. The area that causes the most confusion is the ability to find investments that will yield the best return with minimal risk, with 38% saying this confounds them. One-quarter of Canadians are confused about which investment option will best suit their risk tolerance and life stage; 23% are unsure of whether they will know when to change their investment mix; and 23% are confused about deciding whom to entrust with their money. The results also indicate that more women than men tend to experience this anxiety and confusion regarding their investments. For example, although 43% of men fear financial loss, exactly 50% of women stated this is something they are very worried about. And while 20% of men are confused about which investment option is best for their risk tolerance and life stage, this is the case for 30% of women. Barker-Merz, who works closely with BMO’s “women in wealth” initiative to attract women employees and women clients to the bank, says she repeatedly hears that women just want to know they are going to be financially stable. The results of this research provides an opportunity for advisors to have more thorough conversations with women clients to help those clients feel as confident in times of economic uncertainty as they are in times of prosperity, she adds. “It has nothing to do with [women’s] level of education or comprehension. It just has to do with how men and women approach their investments and the degree of depth a woman might like to go into that maybe a man won’t,” Barker-Merz explains. “In times of market volatility, women may ask more questions and so it’s up to us to do a much better job in having conversations with them.” The results for the survey come from online interviews with a sample of 1,004 Canadians that hold an investment portfolio. These interviews took place on July 13-14. Assante offering free advice to those hit by crisis Facebook LinkedIn Twitter Budget proposal aims to help low-income earners access advice Tessie Sanci Keywords Value of advice Almost all Canadian investors become anxious when they think about their investments — especially in light of the recent market volatility and the overwhelming amount of financial information available to them, says Julie Barker-Merz, president of Toronto-based Bank of Montreal’s (BMO) discount-brokerage business. A study conducted for BMO InvestorLine found that 97% of Canadians are anxious when they think about investing and making decisions concerning their investments. The most prevalent reason for this nervousness is fear of financial loss, with 47% saying they were anxious for this reason. Other causes include anxiety over not receiving a “good” return on their investments, with 40% stating this is the case; 33% are most worried about how market volatility will affect their investments; and 32% are concerned about selecting the “right” investments. Bespoke advice becoming more important in changing industry Share this article and your comments with peers on social medialast_img read more

first_imgWhen sending their children to school, parents will often aim for schools with high scores and challenging programs, but according to a new analysis of data from Project TALENT, selective schools with a higher average achievement level may actually exert a negative influence on students’ long-term success.The nationally representative, longitudinal study of over 377,000 high school students found that while students who attend socioeconomically advantaged high schools tend to complete more schooling, earn higher annual incomes, and work in more prestigious jobs 11 and 50 years later, those who attend selective, high-achieving schools tend to experience the opposite.The report, published by the Association for Psychological Science, claims that students in high-achievement schools had relatively lower expectations due to social comparison. In other words, these students, many of whom might’ve been near the top of their class in a more academically diverse school, develop a less positive self-image when all of their classmates are high-achieving.These expectations then negatively impacted students’ attainment levels in the future. Read the whole story: Education Weeklast_img read more

first_imgAhead of a major climate change meeting in Paris with a goal of reaching a binding global agreement, the World Health Organization (WHO) said today that public health impacts haven’t been given enough attention in the debate.In a statement, the WHO said now is the time for health voices to speak up, and it issued the first 12 country climate-change-and-health profiles to assist policymakers in considering the effects on health, such as increased transmission of malaria and cholera from flooding.The United Nations Climate Change Conference (COP-21) will take place in Paris Nov 30 through Dec 11. Though it is part of ongoing discussions on the problem, this year’s meeting is notable, because for the first time in 20 years of UN negotiations, leaders hope to broker an agreement among all of the world’s nations.Effects already evidentHealth impacts of climate change are already being seen, the WHO said, with shifts in disease patterns, heat waves, floods, and degraded air quality, along with threats to food, water, and sanitation. The agency estimates that in 2012, 7 million people died from diseases related to air pollution, which it singled out as the biggest single environmental health risk.The group predicted that between 2030 and 2050. climate change will lead to an additional 25,000 deaths each year from malaria, diarrhea, heat stress, and under-nutrition. Women, children, and people in developing countries will be hardest hit, which will widen health gaps, the WHO added.Earlier this week, one of the world’s leading infectious disease experts, Wellcome Trust Director Jeremy Farrar, MD, PhD, also voiced concerns that global climate change discussions aren’t giving enough attention to the health impacts of climate change that the world is already experiencing. He added that the WHO hadn’t made its voice heard on the topic.Farrar said in a Nov 14 London Observer story that people in general don’t think of the health impacts, which aren’t an abstract threat. He said the three main health issues are the spread of infectious diseases, related issues of pollution and urbanization, and worsening migration. He added that one of his main fears is that climate change factors—rising global temperatures, humidity, and rising urbanization—could fuel the spread of dengue fever.Other examples are flooding, which could threaten Vietnam’s rice crops, a key global food source, and air pollution, which causes from 7 million to 8 million premature deaths each year, he told the Observer.Country-specific profilesCountry profiles from the WHO spell out the how investments in low-carbon development, clean renewable energy, and strengthening climate resilience could yield important health benefits.The WHO said specific steps to increase resilience to climate risks are also needed, such as early-warning systems for more frequent and severe heat waves and plans to protect water, hygiene, and sanitation during floods and droughts.Countries have already made commitments to cut greenhouse gas emissions and take steps to address the threat ahead of COP-21, but more needs to be done, the WHO said.”If countries take strong actions to address climate change, while protecting and promoting health, they will collectively bring about a planet that is not only more environmentally intact, but also has cleaner air, more abundant and safer freshwater and food, more effective and fairer health and social protection systems—and as a result, healthier people,” it said.The first of 12 WHO country profiles on health and climate change cover Bangladesh, Brazil, Colombia, Egypt, Ethiopia, Ghana, Malaysia, Morocco, Nigeria, Oman, Peru, Philippines, Thailand, and Tanzania. The WHO said it will launch more profiles in December and early 2016.See also:Nov 17 WHO press releaseNov 14 Observer storylast_img read more

first_img Tatsuaki Shojima, UCLA Bruins, Jim Mora, Josh Rosen GET THE BEST OF THE JAPAN TIMES Tatsuaki Shojima (58) takes part in a practice with the UCLA Bruins last month. | KAZ NAGATSUKA LOS ANGELES – Tatsuaki Shojima is another polite, mild-mannered young man, just like many other Japanese guys.But there’s one thing that sets him apart from the rest of his countrymen: Shojima is going to play football for the UCLA Bruins. RELATED PHOTOScenter_img The 22-year-old offensive lineman enrolled at the world-famous American university when he was recruited by its football team last summer after he played for a couple of years at Santa Monica College. Shojima, who is nicknamed “Gyo” (pronounced Gio), didn’t get a scholarship, but is a preferred walk-on and is assured a spot on the team.“When I was told I made it, I was ecstatic,” Shojima, a junior player, told The Japan Times late last month in Los Angeles.“We have an exciting quarterback (Josh Rosen), and we also have big offensive linemen, top-level defensive linemen, linebackers and defensive backs. So we really have a solid team.”Shojima, who redshirted last season — meaning he could practice with the team but was not eligible to play — is expected to play in the annual Spring Showcase intrasquad game at Drake Stadium on April 23.Last year, running back James Takada Gray, who was born to a Japanese mother and an American father, joined the University of Utah Utes football team but has not played yet. There is no official record, but Shojima or Gray will probably become the first Japanese to play in an NCAA Division I contest when either player appears in a game, which could happen as early as the 2016 season.Shojima said that he also received offers from other collegiate teams, such as Houston, Alabama Birmingham and New Mexico. Oregon also showed interest. But choosing to go to a renowned school whose football program plays in the Pac-12 Conference — one of the major conferences in American college sports — was almost a no-brainer for Shojima, who moved to South California from Japan when he was 9 years old.“For high school players living in Los Angeles, it’s their dream to play for UCLA, and that wasn’t an exception for me,” said Shoijma, who stands at 190 cm and weighs 140 kg, and primarily plays at center.Shojima didn’t necessarily make the decision solely based on football reasons, however. He said that the school’s high academic level also factored into it.“At UCLA, you have a chance to have its worldwide top-level education, and I thought it’d be so beneficial for me to earn a degree here for my future,” said Shojima, who’s majoring in geography and environmental studies. “So I chose UCLA so I’d have more options for my future career.”Shojima started playing football when he was 14 at Redondo Union High School, and played for a year for Tokyo’s Nishi High School as a senior. During his tenure in Japan, he competed in the 2012 IFAF Under-19 World Championship, in which Japan finished third.Shojima said that his one-year experience of playing in Japan, where the game doesn’t have such a major presence, had actually helped to develop his football skills.“Sticking to the basics, their concentration and paying attention to details . . . those are things the Japanese have an edge over, and it’s helped how I play now,” Shojima said. “So it’s absolutely helping me out that I played in Japan for a year.”Adrian Klemm, UCLA’s associate head/offensive line coach, said that Shojima was really productive at Santa Monica and the Bruins were fortunate to land him. Klemm added that Shojima understood that he was going to play a back-up role initially, but now the player “is going to compete for a spot.”“I love all the things he brings to the table,” said Klemm, a former offensive lineman for the NFL’s New England Patriots. “He’s tough, he’s really smart, easy but leads the group when he’s in there, playing center position.”Jim Mora, UCLA’s head coach, said that the team calls him “Show Time,” deriving from Shojima’s family name, and added that he likes the player’s enthusiasm and energy.“He’s got a great attitude,” said Mora, a former head coach for the Atlanta Falcons and Seattle Seahawks who has guided the Bruins to four straight winning seasons since he took over the helm in 2012. “He’s always eager and always wants to step in doing his best. It’s fun to see him doing well. He’s a good kid.”Shojima is excited about taking the field at the legendary Rose Bowl, the team’s home stadium, and playing in front of crowds which could exceed 90,000.But Shojima is staying low-key about his upcoming UCLA career. He understands his status and still has room to move up the depth chart while managing his academic studies to be a genuine student-athlete.Some casual fans might assume that Shojima has a chance to become the first Japanese player in the NFL. But Shojima is intent to take a one-day-at-a-time approach, focusing on the two years he has at UCLA.“You’ve got to have good balance between your time for practice and training, and study,” said Shojima, who referred to the New York Giants as his favorite team. “And your sleeping time is important as it takes care of your body. Unless you do it, I don’t think you can really be a top-level player, so I’ve tried to not neglect any of that.” KEYWORDS IN FIVE EASY PIECES WITH TAKE 5last_img read more

first_imgThe Airline, Bossier and Parkway boys and Haughton girls won games in the Bearkat Classic soccer tournament on Friday and Saturday at Tinsley Park.Airline defeated Haughton 8-0 Friday. Bossier downed West Ouachita 5-0 Friday and edged Minden 2-1 Saturday. Parkway rolled past Red River 11-0 Saturday.Adam Bihler and Tung Khai both had two goals and one assist in Airline’s victory.Dylan Zickefoose, Jackson Tinkis, Thang Mang and Nick Jump scored one goal apiece. Bihler, Tinkis and Mang also had assists.In the girls division, Haughton defeated Southwood 7-1 on Saturday and lost to Evangel 2-1 on Saturday.Shelby Watson, Alyssa Taylor and Madeline Milton scored two goals each against Southwood. Meghan Schaffer scored one.Milton scored the Lady Bucs’ goal against Evangel.The Bearkat Classic girls and boys semifinals were scheduled for 4:30 and 5:45, respectively, Saturday. The championships games were scheduled for 7 and the Copa Acadiana boys tournament, Benton tied St. Thomas Aquinas 1-1 on Friday.In the Captain Shreve girls tournament, Airline and Benton played to a scoreless tie Friday and Airline tied North DeSoto 2-2 on Saturday. Parkway fell to Mandeville 4-0 on Friday.NOTE: Game statistics provided by coaches or taken from teams’ official Twitter accounts. Report scores and stats to [email protected] You Ready to Meet Cool Guys in Tung Chung?|SponsoredSponsoredUndoTheTopFiveVPNThe Secret Netflix Doesn’t Want You To Know To Unblock RestrictionsTheTopFiveVPN|SponsoredSponsoredUndoAspireAbove.comRemember Abby from NCIS? Take A Deep Breath Before You See How She Looks|SponsoredSponsoredUndoNews gadgetThis watch takes the whole country by storm! it’s price? Ridiculous!News gadget|SponsoredSponsoredUndoTheTopFiveVPNThe Trick Netflix Doesn’t Want You To Know To Unlock RestrictionsTheTopFiveVPN|SponsoredSponsoredUndoCelebsland.com9 Celebrity Before-And-After Plastic Surgery|SponsoredSponsoredUndolast_img read more