Table game revenues are up statewide, but not so much for our local casinos, according to figures released Thursday by the Pennsylvania Gaming Control Board.Revenues grew by 5.3 percent statewide during October to $71.2 million. That is up $3.6 million over a year ago.But some northeastern Pennsylvania casinos had a bumpy ride during the month.Wilkes-Barre’s Mohegan Sun Pocono saw revenues from table games grow by 20 percent to $4.6 million. But Mount Airy Casino [...]
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الخميس، 17 نوفمبر 2016
Pa. legislators consider pipeline safety procedures and gaps
State legislators heard assurances from pipeline companies and fears from residents of communities in the path of new pipelines during a hearing in Harrisburg on Wednesday about the safety of infrastructure carrying natural gas and other fuels across the state.The House and Senate emergency preparedness committees held the joint hearing as Pennsylvania deals with a wave of new pipeline construction related to shale gas drilling. The Legislature is also preparing to revise [...]
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Source Business - poconorecord.com http://ift.tt/2eL6suT
SpaceX is Hiring Interns in 5 States… and You Don’t Have to Major in STEM
Want to work for one of the most innovative companies around?
Check out the internship program for SpaceX, co-founded by inventor Elon Musk.
The company is accepting internship applications for spring 2017. Locations include: Cape Canaveral, Florida; Hawthorne, Irvine and Vandenberg, California; McGregor, Texas; Redmond, Washington; and Washington, D.C.
Internships for More Than Just STEM Majors
Yes, SpaceX is in the business of rockets and space exploration, and the company is hiring STEM majors — but it’s also looking for students with other backgrounds.
You might be interested in some of these internships:
Business Systems Analyst Internship (McGregor, Texas)
You’ll assist analysts in developing SpaceX’s proprietary business software by reviewing user requests, identifying problems and resolving technical issues.
This internship requires excellent communication and organization skills.
Supply Chain Internship (Redmond, Washington, near Seattle)
Finance, accounting, supply chain management and business administration students can consider this role.
You’ll work on order fulfillment tasks while building relationships with suppliers. Being detail oriented is a must for this role.
Before You Apply, Review These Guidelines
Applicants must be more than six months away from graduation and be able to work for 12 straight weeks starting in either January or March 2017. You may be required to work up to 50 hours per week.
Glassdoor reviews report pay rates for these fast-paced internships of about $24 to $27 per hour, and we’ve reached out to SpaceX for confirmation.
Your Turn: Will you apply to be an intern at SpaceX? Which role is a fit for your career goals?
Lisa Rowan is a writer and producer at The Penny Hoarder.
The post SpaceX is Hiring Interns in 5 States… and You Don’t Have to Major in STEM appeared first on The Penny Hoarder.
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How to survive Black Friday 2016
With some 14 million shoppers set to spend a whopping £2.3million every minute on Black Friday, the Money Advice Service is sharing its tips to prevent eager spenders getting carried away on 25th November.
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Review recommends more help for first-time buyers
Financial pressure on young people has led to a decline in the number of homeowners, according to a major new housing report.
The Redfern Review, the most comprehensive review of home ownership in a decade, was commissioned by John Healey MP, the Shadow Secretary of State for Housing, and led by Pete Redfern, chief executive of Taylor Wimpey.
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This Guy is Suing Krispy Kreme Because Its Donuts Don’t Contain Real Fruit
A California man wants his money back from Krispy Kreme. But not because the donuts weren’t tasty — we have no information on that.
Because there’s no real fruit in the fruit-flavored donuts.
Plaintiff Jason Saidian lodged a class-action lawsuit against Krispy Kreme for falsely advertising its Chocolate Iced Raspberry Filled, Glazed Raspberry Filled, Maple Iced Glazed, Maple Bar and Glazed Blueberry Cake donuts.
To Saidian’s apparent surprise, there’s no real raspberry, maple or blueberry in any of those treats.
His suit calls out the Glazed Blueberry Cake variety in particular for including “imitation blueberries that highly resemble actual blueberries due to their round shape and blue color.” These faux berries, known as “blueberry gumbits,” are made of corn syrup and blue dyes.
Meanwhile, the suit notes that Krispy Kreme’s other filled donuts include the ingredients in their names, like Glazed Strawberry Filled, Cinnamon Apple Filled and Lemon Filled.
This Class-Action Lawsuit is Wacky, But Very Real
The real problem is: No one wants to be misled, especially when they’re spending money.
Saidian’s suit says he wouldn’t have purchased those donuts or would have paid less for them, had he known they didn’t actually include any of those “premium” ingredients.
Although he claims he was misled by the donut chain, the suit notes, “Mr. Saidian is likely to purchase the Products in the future if they each were reformulated to include their Premium Ingredients.”
Which is basically a legalese way of saying, “I want my money back, but please don’t ban me from Krispy Kreme for life.” If he wins this case and Krispy Kreme announces a settlement, plenty of other people will realize they got ripped off, too.
And this isn’t even the weirdest lawsuit we’ve seen.
One man sued Anheuser-Busch for false advertising because drinking Bud Light did not, in fact, act as a chick magnet.
Someone sued Jimmy John’s sandwich chain because their sandwich did not come with the advertised sprouts. Jimmy John’s paid $725,000 in drink or side dish vouchers to customers who jumped on the suit bandwagon.
And no, Krispy Kreme isn’t going to flip a switch and become a health-food restaurant. If the court finds the donut giant really did mislead customers, there could be many, many free donuts on the line.
Your Turn: Would you consider filing a lawsuit against a company for using artificial flavors instead of the real thing?
Lisa Rowan is a writer and producer at The Penny Hoarder.
The post This Guy is Suing Krispy Kreme Because Its Donuts Don’t Contain Real Fruit appeared first on The Penny Hoarder.
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Moneywise contributors honoured at Santander Media Awards 2016
Congratulations to Moneywise columnist Jeff Prestridge who won the Contribution to Personal Finance Education category at last night’s Santander Media Awards 2016.
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31 Days to Financial Independence (Day 14): Trimming Your Spending – Entertainment
31 Days to Financial Independence (Day 14): Trimming Your Spending – Entertainment
“31 Days to Financial Independence” is an ongoing series that appears every Thursday on The Simple Dollar. You might want to start this series from the beginning!
Last time, we continued looking at the average American family budget, going through each category and examining how one could trim the cost of typical expenses in that category. Here’s the “average American family budget” that we’re looking at, along with links back to the earlier entries on those specific areas:
Housing – $10,080
Transportation – $9,004
Taxes – $7,432
Utilities – $7,068
Food – $6,602
Insurance (including things like pensions) – $5,528
Debt Payments – $5,252
Healthcare – $3,631
Entertainment – $2,564
Cash Contributions – $1,834
Apparel and Services – $1,604
Education – $1,138
Vices – $775
Miscellaneous – $664
Personal Care – $608
TOTAL – $63,784
Today, we’re going to take a look at health care spending. As you can see from the budget above, the average American family spends $2,564 per year on entertainment. That averages out to a little over $200 per month. Remember, however, that this “average American family” includes single adults, married couples without children, and families with children, too. In other words, a single person is probably coming in below that, whereas a large family (like ours) is probably coming in above that.
Exercise #14 – Trim Your Entertainment Spending
The rest of this article consists of a long list of specific tactics that you can use to trim your entertainment costs. As with the other savings articles in this series, it’s important to remember that everyone lives a somewhat different life and thus some of these tactics are going to seem useful and sensible to you, while others will seem like a stretch to you, and still others won’t apply at all. That’s okay. Ignore the ones that don’t apply. Make an effort to adopt the most sensible ones. Then, give the others a trial run and see if it’s something that can work for you. Commit to some of the challenging ones for thirty days and see if they work, or apply them during the relatively rare situations when those costs come up.
Remember, your overall goal is to cut back hard on the areas of life that are less important to you – the shallows – so that you can afford the “deep” areas of your life both today and tomorrow. Keep that in mind as you read each tip. Is this tip cutting back on something that’s really important to me, that amounts to a core life value? If not, why not cut it so that I can afford those things that really matter?
Let’s dig in.
Cut the cable cord. The average American family spends more than $100 a month on their cable bill. Imagine if that cable bill just vanished. Instantly, you’d have more than $100 a month more to work with in your budget. That money can make a car payment on a low end car. It can pay down a credit card debt surprisingly rapidly. It can make life emergencies much easier to handle.
So, how do you do it? The key isn’t to simply eliminate television viewing from your life, but replace it with other services. For example, you can get over-the-air television channels for free (see the next tip) and you can watch a service like Netflix, with almost infinite on-demand options, for just a few bucks a month. Sports can be tricky (at least those not broadcast on over-the-air networks), but if there’s a particular sport you love, buying a streaming package for just that sport is far less expensive than paying for cable or satellite just to keep watching that sport.
Install an over-the-air antenna. Over-the-air antennas are one of the best entertainment bargains out there, as they provide access to local ABC, NBC, CBS, Fox, and PBS stations for free as well as many ancillary stations that provide things like constant weather updates. In our area, for example, we have an over-the-air free children’s channel, an over-the-air free weather channel, and approximately a dozen different channels featuring all kinds of family- and adult-appropriate entertainment. We get tons of live sports events, strong local and national news coverage, and more programs than we can ever watch.
Installing such an antenna is easy. You can install a small one near your television by simply mounting it on the wall and running the cord to the back of your television set. If you live in or close to a major city, you should be able to pick up a lot of signals that way. You can get a bit better reception by mounting it on your roof, but that’s a bigger project.
Learn about and go to free events. Almost every community has a number of free events that go on throughout the year, many of which people don’t hear about simply because they’re not in touch with community events. It’s time to fix that.
Visit your community’s website and look for the community calendar. It will provide a very long listing of free and low-cost events in your community, most of which will be things that you never heard of or thought of before. If you can simply find one event a week or even one event a month to engage in, then you’ve got a steady source of free entertainment for yourself and your family. You’ll find free performances, free concerts, free activities, free movie nights, and so on.
Start using the library for movies, music, books, and other things. The local public library is one of the best resources available to you in terms of providing free entertainment. The library has thousands of books of all varieties and access to many more through interlibrary loan programs.
But it’s not just books you’ll find there. Many libraries have extensive selections of DVDs, audiobooks, CDs, and even equipment of various types that people can check out or use on site. It’s basically a giant warehouse of free entertainment that you can access if you’re willing to walk in the front door.
Reconsider your subscriptions to magazines and newspapers. Do you really read these every time they come in? Or do they just pile up on the table, forming a mountain of “things you’d like to look at someday” while you’re twiddling with your smartphone? If you’re finding that you’re paying for periodicals that you don’t read, then cut those subscriptions and save yourself some money.
Learn about and explore other free resources in your community. The free entertainment options in your community don’t just end with a concert in the park and the local library, either. Many communities offer a wide variety of programs and resources that people can tap for free entertainment.
Communities often have lakes, hiking trails, nature preserves, bicycling trails, tennis courts, book clubs, discussion forums, regular guest speakers, and on and on and on. The only way you’ll find out about all of these things is to explore your community’s website. Look for lists of civic organizations and check out what they each have to offer. You might be surprised to find some wonderful things on offer for free in your community.
Check out adjacent communities as well. These searches shouldn’t be limited to just the town you live in, either. The towns and cities near you, as well as universities and colleges near you, often have many resources that you’re entirely welcome to partake in. It’s just a matter of discovering them.
So visit the websites of the cities, towns, colleges, and universities near where you live. Find out what kind of things they have on offer and try out some of them. Try doing something new or dabbling in something that seems interesting that you’ve always thought about trying. Go to a free play or listen to a free concert or join a volunteering project. There are many options out there if you look.
Volunteer. Speaking of volunteering, volunteer work is a wonderful way to spend time doing something that really matters, investing your time and your energy and your skills to make some slice of the world a bit better.
See if there’s a Habitat for Humanity organization in your community and sign up to volunteer. You’ll spend a day meeting people and learning some carpentry skills. Sign up to help out with the local food pantry, stocking shelves or helping people who show up. Volunteer to coach a youth soccer team or a youth baseball team. Volunteer to help clean up a park. There are many ways you can volunteer and help out your community, so embrace those opportunities and add one to your life. You’ll meet people and get to engage in something bigger than yourself that helps people in your community and maybe learn a skill or two in the process. What could be better than that?
Move some of your “nights out” into your home. Once a month or so, move an event that would have been “out on the town” into your home. Have a date night in your family room with a big bowl of popcorn and a binge-watching of some new series from Netflix. Make a romantic dinner and serve it at your own dinner table with a candle and the lights low and some soft music playing.
It doesn’t have to be an everytime thing, but if you simply make it into a sometimes thing, you’re going to end up saving a lot of money in the long run while still having an entertaining and enjoyable social life.
Host dinner parties (preferably potlucks) instead of going out. Instead of simply going out to dinner or going out to a club with friends, invite them over for a dinner party instead. Have them bring something with them and the cost of the meal will get very, very low for everyone involved.
It doesn’t have to be complicated or fancy. Just have a simple main course that everyone will enjoy, like a big pot of soup, and maybe have your guests bring appropriate side dishes. Enjoy a wonderful dinner together and maybe a simple after-dinner activity around the table like a game of cards or a board game or retire to the next room for a movie or maybe just simple conversation.
Research discount days at attractions. While there are likely many attractions – museums, amusement parks, baseball stadiums, wineries, and so on – in your area that you might enjoy visiting, you can usually get a lot more value for your dollar if you put in a little bit of research in advance as to when to go and where to buy tickets.
For example, you can often find discounted tickets to the attractions you’re interested in by buying them from other retailers. You might also find days where the ticket prices are discounted – or completely free – at the door, or you might discover days where there are special perks for attendance, such as bobblehead days.
Identify an interesting free hobby and dig into it. There are an almost infinite number of free hobbies out there that you can dig into and explore with your leisure time. I identify a “free hobby” as being one that you can engage in with minimal equipment, that doesn’t require a constant outlay of money to participate, and doesn’t require constant equipment upgrades. For example, trail hiking is a hobby that I define as a “free” hobby, since there are countless trails and places to hike within an hour or so of my home.
I have friends who have all kinds of “free” hobbies, from mushroom collecting to card trading, from rock collecting to reading, from film watching (from the library’s DVD collection and community movie nights) to soccer playing. All of these things can absorb countless hours and provide tons of fulfillment, and those just scratch the surface.
Dig into your media collection and enjoy what you have. Many people have extensive media collections in their homes: piles of DVDs, CDs, video games, books, and other media elements that just sit on shelves, gathering dust. Instead of letting all of that stuff that you love gather dust, use it. Watch those movies. Read those books.
If you find that none of them are appealing to you, then why do you have them? Sell them off and make yourself some money that way. A shelf full of DVDs or a shelf full of books have some value, so extract that value. Hit Craigslist and turn that unwanted media into cash.
Refresh your media collection by trading. Another option for those media items that you don’t want is to simply trade them to your friends and family. Put those items in the hands of people who might enjoy them, and then at the same time receive some media items in exchange that you’ll be excited to read or listen to or watch.
You might even want to organize a book swap meet or a DVD swap meet with your friends. Everyone brings a box of books or DVDs to trade and then everyone does a bunch of one-for-one swaps so that you’re trading something you don’t want to watch or read to a friend who does want to watch or read that item. Not only do you refresh your own media collection for free, you’re also spending a few hours with friends shooting the breeze.
Check the website of your destination before you leave. This is such a simple money-saving step! Whenever you’re about to go somewhere, whether it’s a restaurant or a movie theater or a store, check the website of that destination before you leave. You’ll often find a coupon or some other discount right on that website that will directly save you money on the thing you were already about to do.
For example, let’s say you were about to go to a restaurant for dinner and then shopping at a couple of stores to look for a particular book. Check the restaurant’s website and you might find a coupon for $2 off your entree. Check the store’s website and you might find that one store has that book for 40% off while another store only has it for 20% off, making it sensible to go to the store with the bigger discount. Right there, you just saved $10 and didn’t adjust your evening plans at all.
It’s probably also worth your while to check their social media feeds, too. Check out the Facebook page and Twitter profile of the places you’re about to visit and see whether or not they’re offering any special discounts there.
Just make this online check a matter of course when you’re going anywhere – even to the grocery store – and you’ll find yourself stumbling into discounts.
Eat dinner after the show, rather than before. This is another great “date” strategy that can save some serious cash. Rather than going to dinner and then going to the theater, do it the other way around. That way, you can often snag a ticket at a matinee price at the theater which will save you some cash.
Another advantage: matinee shows are often less crowded, which means you’re more likely to get a great seat and you’re less likely to be pressed into an uncomfortable chair right next to someone else.
As was stated at the start of this article, it’s important to remember that everyone lives a somewhat different life and thus some of these tactics are going to seem useful and sensible to you, while others will seem like a stretch to you, and still others won’t apply at all. That’s okay. Ignore the ones that don’t apply. Make an effort to adopt the most sensible ones. Then, give the others a trial run and see if it’s something that can work for you. Commit to some of the challenging ones for thirty days and see if they work, or apply them during the relatively rare situations when those costs come up.
If you do that, you’ll find yourself using the strategies that really click to save money, and that’s the goal of a list like this.
Next time, we’ll take a look at strategies to save money on clothing!
The post 31 Days to Financial Independence (Day 14): Trimming Your Spending – Entertainment appeared first on The Simple Dollar.
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Want to See “Sing” for Free on Thanksgiving Weekend? Here’s How
Gathering the family together for Thanksgiving this year?
The hustle and bustle of getting dinner ready, catching up with loved ones you haven’t seen in way too long and sleeping off your requisite food coma can make for a busy holiday weekend…
… for adults.
Kids, on the other hand, have a different Thanksgiving perspective.
They’re faced with sitting still for an interminable meal surrounded by boring adult conversations and a seemingly endless stream of distant relatives pinching their cheeks.
The kids deserve something fun to do over Thanksgiving weekend. And luckily, we found a free family activity — that looks like it’ll probably even be fun for you, too.
How to Get Free Movie Tickets for “Sing” on Thanksgiving Weekend
If you and your family have been itching to see “Sing,” you may know it won’t be released until Dec. 21.
But on Saturday, Nov. 26 at 10 a.m., select AMC theaters nationwide will offer a free pre-screening of the film.
The film’s production company, Illumination, is calling it “Sing Saturday,” and it’ll be your only (legal) chance to see the movie before its official Christmastime release.
It’s also a totally free, fun way for you and the family to get out of the house over Thanksgiving weekend.
The film looks cute, if simple, and boasts an all-star cast including Matthew McConaughey, Reese Witherspoon, Seth MacFarlane and Scarlett Johannson.
And judging by the bits of the score you can hear in the trailer, it’s likely you’ll be singing along despite your best efforts not to. (Don’t worry, your kids will love it — and we won’t tell anyone!)
Sound like a welcome reprieve from leftover pie and walking on political eggshells? See a list of participating AMC theaters in your area here.
There will be at least 200 free tickets available at each participating theater.
That said, theaters will dole out those tickets on a first-come, first-served basis, so show up early if your family’s been itching to see this new film. The box office will open at 9 a.m.
Your kids will thank you — and given the exorbitant price of movie tickets, your wallet will, too.
Your Turn: What song would you sing if you were auditioning to become the next star?
Jamie Cattanach is a staff writer at The Penny Hoarder. Her writing has also been featured at The Write Life, Word Riot, Nashville Review and elsewhere. Find @JamieCattanach on Twitter to wave hello.
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Physical Amazon gift card issues in London
Buying physical Amazon gift cards in East London has proven to be unsuccessful following a network error at major supermarkets Tesco and Sainsbury’s.
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Car insurance to fall by £40 per year as Ministry of Justice clamps down on whiplash claims
Motorists could see their car insurance premiums fall by £40 a year thanks to a clampdown on dubious whiplash claims that’s being considered by the Ministry of Justice (MoJ).
If the rule changes floated today go ahead, the MoJ estimates claims will fall by £1 billion per year. Insurance companies have pledged to pass on the savings in full to drivers.
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Job Keywords: Should Your Resume Be Four Pages Long?
The job search process is mysterious, no matter which side of the conference table you’re sitting on.
As a job seeker, the questions you ponder are along the lines of, “How can I figure out what the company culture is like, before I take the job?” and “Is there a way of tricking the hiring manager into telling me my real chances of ever getting a raise or promotion at this gig?”
When you’re in charge of hiring, however, your questions are often a bit more absurd – for instance, “Why is this resume four pages long?”
Ask anyone who’s ever hired an employee, whether they’re in human resources or middle management: The four-page resume is A Thing.
Why? Because every modern job seeker now knows that using the right resume keywords is the trick to getting past the resume robots, also known as the Applicant Tracking System, which filters the flood of incoming resumes before any humans get involved. Just to be on the safe side, some job seekers cram in as many keywords as possible, leading to essay-length resumes that were not written with human beings in mind.
But, when you have to get through the ATS in order to get to those human beings, is this really the wrong approach? Let’s break it down.
Should your resume be four pages long?
First things first: Unless you genuinely have four pages of relevant experience that can’t be compressed into any fewer pages, your resume should not be four pages long. Secondly: You do not have four pages of experience. This is likely true even if you’re 65 years old and a pioneer in your field.
Also, remember that it’s not just about what you’ve done – it’s about what you’ve done that matters to the hiring manager. You shouldn’t include every job you’ve ever had, or use generic descriptions from a resume template that you repurpose for every job. Your goal is to first make it through the resume scanning software, and then to show the person on the other end that you can solve the company’s problems.
How many keywords are too many keywords?
It’s hard to set a ceiling on the number of keywords, but it’s important to understand that most of today’s Applicant Tracking Systems are a little smarter than the old-school versions, which sometimes just counted the total number of keywords. Instead, many systems will use contextualization, which tells the company not just that you have a skill, but whether you’ve used it recently.
“It’s not your father’s Oldsmobile, where if you put in ‘Java’ [an ATS] would automatically apply you to Java jobs,” Lisa Rowan, program director of HR, Learning and Talent Strategies for Framingham, Mass.-based analyst firm IDC, told The Ladders.
In other words, keyword-stuffing — cramming in these terms multiple times whether they belong or not – probably won’t work in your favor, so there’s no need to do it.
What’s the best way to choose resume keywords?
When it comes to picking resume keywords, you need to cover two things: keywords related to the job description, and keywords related to the job generally.
The first is the simplest: Scan the job description, and pick out the words that relate to the role. So, to use the Java-related example above, let’s say you’re applying for a software engineer role. You’ll want to include any important words you see in the job listing, such as Java, testing, data, collaborate. (See more software engineer resume keywords here.)
Once you’ve done that, you want to think beyond what’s in front of you and try to imagine what the recruiter or hiring manager meant to include, but didn’t state outright in the listing.
“Sometimes ads for jobs are very short and don’t reveal much about the employer’s expectations. Try looking on the company’s website, since there might be a longer description in the human resources section of their site than in the ad you saw,” writes Alison Doyle at The Balance. “Another strategy is to search job sites like Indeed and SimplyHired by the same job title to get a sense of what other employers are looking for in candidates.”
How can you be sure that you’ve used the right keywords?
Finally, there are some free (or low-cost) tools out there that will help you determine whether or not you’ve chosen the right resume keywords. One such tool is Jobscan.co, which allows you to upload your resume and compare it against a job listing, to see how you measure up. (The full-blown service requires a fee, but you can get a few free scans a month.)
Related Articles:
- How to Bridge a Resume Gap
- Five Ways to Get the Job When You’re Overqualified
- Three Reasons You Shouldn’t Pick Your Career Off a ‘Hot Jobs’ List
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Bank of England given new powers to curb buy-to-let lending
The Bank of England will be granted new powers to curb mortgage lending for buy-to-let investors to protect the economy from a possible collapse in the sector, it was announced on Wednesday.
From early 2017, the Bank will have the authority, via the UK financial regulators, to limit buy-to-let mortgage lending, both in terms of loan-to-value limits, and affordability of repayments.
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Fund manager league table: top 20 investors who beat the market
New research from Tilney Bestinvest has drawn up a list of the top equity fund managers that have over their careers managed to add value through delivering a mix of outperformance and consistency.
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