Tag Archives: credit

Rugby: Former All Black Five credit Sopoaga tackles mental health with shape reversals | Instant News


The former All Black Lima Sopoaga provides an insight into what life in England is like for her young family. Video / Wasp

The former All Black first five eighth Lima Sopoaga has opened up about how a therapist helped reverse her form of rugby on British soil, saying it was one of the best experiences of her life.

When Sopoaga left the coast of New Zealand in 2018, he came to the side of Wasps in the Premier League demanding excellence; and by his own standards he felt he had failed to live up to those expectations.

As a replacement for England international Danny Cipriani tent, Sopoaga will have to fill his big boots and fight to gel with a wider squad.

“You have someone special like Danny, he will always be difficult to replace,” Sopoaga told the Daily Telegraph.

Five Sopoaga celebrating a trial for the All Blacks against South Africa in 2017.Photo / Photosport
Five Sopoaga celebrating a trial for the All Blacks against South Africa in 2017.Photo / Photosport

“I’ll never be that man. That’s not me. Besides, I can’t build relationships with the people around me as quickly as I would like to. It’s something people may not understand; that you can’t just become a person. team and click right away.

“Sometimes, I humble myself too easily and it’s just a snowball, at the same time as a group maybe in a place where we are not very confident and it just spreads to the whole club.”

Meanwhile, the appointment of a new head coach is helping his role on the team, along with the support of team doctor Ralph Mitchell and his family; Sopoaga said seeing a therapist about her mental health was an important step in turning her fortunes around.

The stigma surrounding speaking up and opening up as a footie player is beginning to emerge.

“The rugby players are seen as tough macho guys, but really, we are just like everyone else. It was one of the best things I’ve ever done.

“I would encourage not only rugby players, but men in particular, to get out of your comfort zone. It’s tough, and at first quite scary and scary, but it can also be one of the most liberating things you can do.”

That feeling of liberation has now been translated by Sopoaga into a stunning reversal of form on the pitch in this current Premier League season.

Having lost his place in 10th place to the youngsters of Jacob Umaga and Charlie Atkinson, Sopoaga has turned to full-back where he enjoys greater freedom.

Lima Sopoaga shoots on goal for Wasps against Exeter.  Photos / Photosport
Lima Sopoaga shoots on goal for Wasps against Exeter. Photos / Photosport

Last weekend, he scored 14 points, including one attempt, in the Wasps’ crushing defeat to champions Exeter.

Ahead of this weekend’s game against Bath, Sopoaga has no doubt that he is playing the best rugby of his time in England at the moment.

“I’m probably in the happiest place mentally, and I think that helps my game,” he said. “It’s no secret I’ve struggled a lot, but I’ve learned a lot through the process and struggled to get out of it.”

She also accepted the responsibility of acting as a mentor to Britain’s first toddler at Wasps, passing on the knowledge she had been given to her by Dan Carter and Aaron Cruden.

“I am blessed to have had some bad mentors,” said Sopoaga. “Those people told me, ‘One day, you will be in this position’, and they asked me to do the same for a young boy who was coming. They were right. I am now in this position and it will cost them a lot. . which helps me in my career if I don’t pass on what I know. “

And while there is no doubt that Sopoaga has plenty of technical and strategic advice to offer, his new knowledge of the power of a healthy mental state could be of greatest worth.

– with The Daily Telegraph


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American Express lags behind as travel and entertainment fail. What awaits us for the stock in 2021. | Instant News

Text size A sign displaying the American Express logo can be seen outside a restaurant Justin Sullivan / Getty Images With the year almost over, we take a look at the 30 stocks in the Dow Jones Industrial Average, starting with the worst performing – Boeing and Walgreens Boots Alliance – and we’re making our way to the highest stock in the benchmark – Apple. Rankings may change before the close of trading 2020, but the stories behind the stocks shouldn’t. American Express (AXP), which caters to affluent individuals and small businesses, is likely looking forward to closing the books in 2020. Shares are down 5.1% on the year, marked by a sudden and steep decline air travel, hotel stays and entertaining dining. Businesses are letting people work from home, leisure travel is at an all-time low, and small businesses are struggling to survive public health shutdown mandates. The Dow Jones Industrial Average index gained 6.3% while the S&P 500 index is up 15.4% this year. American Express derives 60% of its revenue from merchant discount fees, 20% from interest on loans and 20% from card fees, says Lisa Elllis, analyst at MoffettNathanson, who initiated the action on a purchase earlier this month, with a price target of $ 155. . The company has a market capitalization of $ 95 billion. The year has started well for American Express, hitting a high of $ 138.13 before stumbling 51% to a low of $ 67 on March 18. It’s the same pattern as the other stocks – since mid-March, stocks have steadily gained ground. But the pandemic took a toll on results. First-quarter earnings per share of 41 cents are well below expected $ 1.46, with second-quarter earnings per share even lower, at 29 cents, according to FactSet. Profit for the full year is expected to be $ 3.31 per share compared to $ 7.99 last year. Sales for the year 2020 are estimated at $ 36.2 billion compared to $ 43.5 billion in 2019. Vaccines and the return to more normal activities can make American Express stock a good deal for those. who seek to join the trend of reopening. It trades at a forward multiple of 17 compared to Mastercard’s 40 and Visa’s 38, according to FactSet. Write to Liz Moyer at [email protected]

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My brother-in-law smoked marijuana, drank liquor, and played video games. My in-laws pay the mortgage. What happened after they left? | Instant News

My sister-in-law is over 40 years old, and she has health problems. She also suffers from largely undiagnosed mental health issues due to her refusal to see anyone, and she basically does nothing but smoke marijuana, drink booze, and play video games.

Right now his parents are paying his mortgage, which I believe is on their behalf, and I assume they pay all the bills. Her father looked after her home and helped with food and “necessities.” I’m assuming they either paid for his medical bills, or left him unpaid.

This year, my elderly father-in-law is experiencing health fears. My mother-in-law also has several health problems, although none of them are life threatening. I’m afraid my brother-in-law, with his quiet lifestyle, might also face additional health problems as he gets older.

I told my wife that they should discuss the plantation plans openly with us. He agreed, but the topic was always put aside with them. Her family didn’t like to talk about death or money at all. What we get the most from them is that they are all split in half.

I thought it was a good plan on paper, but I saw two big problems. First, there was a house that could not simply be divided in half without being sold, which my wife or brother did not want to do. It paid off.

The Moneyist:My wife and I have 3 children. I also have 3 children from a previous marriage. How are we supposed to divide our house among these 6 kids?

Maybe in a decade or so, my wife can pay for half of the house and potentially buy it, but that poses a second problem. Her sister couldn’t manage her own life now, and I knew what would happen if several hundred thousand dollars were dropped into her lap.

Neither my wife nor I wanted him to become homeless, but I was worried that I would be responsible for taking care of my brother-in-law. I am sure he will fall into poverty after his parents leave if nobody intervenes. At the same time, if they just left the money, he would throw it away or maybe be taken by the debt collector.

My wife and I are rich and can manage money well. Ideally, we could manage the trust for him to make sure the bills are paid so he doesn’t become homeless or starve. Obviously, this is a sensitive topic coming from son-in-law, especially with in-laws who are nervous about death and money.

I don’t want to reverse the bill for this guy when his parents are gone.

Any advice will be good.

Responsible Son-in-Law

Want to read more?Follow Quentin Fottrell on Indonesiaand read more of the column here.

Dear son-in-law,

Sounds like a combination of mental health problems and addiction. Sometimes, one can lead to another. Helping your brother-in-law may require family intervention rather than financial intervention. It would involve the whole family taking the baton and telling him one by one that they love him, and they want him to get back up, and receive the help he needs.

Depression has increased among middle-aged American men over the past decade. Baby boomers, born between 1946 and 1964, face a greater risk of depression, according to the 2015 Gallup-Healthways Well-Being Index survey. In the US, 14% of baby boomers are treated for depression. That’s much higher than the national average of 11%, double the millennial percentage.

It can also lead to more serious health problems. Research has shown that being overweight or obese is associated with a higher risk of premature death than a healthier body weight – and that risk increases with weight gain. More than a quarter of American adults define themselves as obese, but the obesity rate is actually closer to a third of the population.

The Moneyist: My friend’s dad buried $ 50K in the backyard for his grandson. My friend has 2 kids, but her extravagant brother doesn’t have any. Should they split it?

Your in-laws could look for options to ensure that your brother-in-law is taken care of after they’re gone, and someone with mental health problems and addictions who also lack life skills won’t be able to handle their own finances very well, especially at once. They can make provisions in their wish to include the proceeds from the sale of their home under a special needs trust with income.

This may require a second intervention, which forces your in-laws to face the fact that their son faces a long road to recovery and, if he is unwilling or unable to get better, they will have to adjust themselves. plantation plan accordingly. This could involve making appointments with your in-laws, and financial planners and real estate attorneys to discuss the matter.

There are many organizations that can help your parents, including the National Alliance On Mental Illness and the National Council for Behavioral Health. Your sister-in-law may also benefit from some type of rehabilitation or recovery program. Administration of Substance Abuse and Mental Health Services Helpline also offers crisis counseling for people affected by the pandemic.

You ultimately cannot force your brother-in-law or sister-in-law to seek the help they need and, perhaps through a moment of grace, admit that they need to face an unpleasant or difficult truth. You can do the best you can. But you are not ultimately responsible for other people’s lives, although it can be difficult to watch this situation worsen over time.

Hello, MarketWatchers. check Moneyist’s personal Facebook

the group in which we seek answers to life’s most difficult money problems. Readers write to me with all kinds of dilemmas.

Quentin Fottrell is a Moneyist MarketWatch columnist. You can email The Moneyist with financial and ethical questions at [email protected]. By sending your inquiries via email, you agree to publish them anonymously on MarketWatch.


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Fashion Retailer Express Taps Adviser, Seeking Financing to Live Longer from Covid | Instant News

Fashion retailer Express Inc. has hired investment bank Lazard Frères & Co. to help raise enough financing to get the company through the Covid-19 pandemic, said CEO Timothy Baxter.

A workwear retailer based in Columbus, Ohio, wants to strengthen its finances, says Baxter. He said Express was not considering bankruptcy “and continues to take decisive and appropriate action to manage liquidity during this prolonged pandemic.”

With so many Americans working from home, the pandemic has dealt a devastating blow to Express and other retailers focused on clothing designed for the office. The company wants to increase its cash reserves to keep it afloat until enough of the US population is vaccinated against the coronavirus to allow for the resumption of direct spending and office work, according to people with knowledge of the matter. Without additional financing, which can come in the form of first-in-last-out facilities, companies could face cash shortages, people said.

Mr. Baxter said Express “has several possible options for increasing liquidity as it enters 2021.” Earlier this month, the company reported a comparable 30% drop in sales last quarter and said it would cut 10% of its company staff to help save cash.

Consumers who are stuck at home are spending more of their money on casual wear and sports, said Burt Flickinger, managing director of Strategic Resources Group, a consulting firm that focuses on retail and consumer companies.


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Place of trade: New head of Citi in Germany, chairman of Barclays in England, advises Raymond James | Instant News

Citigroup is hired Peter Kimpel | as head of banking, capital markets and advisor to Germany and Austria. Kimpel is from Barclays where he leads its operations in Germany, having joined a lender two years ago from fintech firm Rocket Internet. Former Goldman Sachs deal-maker Kimpel will replace Stefan Wintels, who has several positions at the US bank including vice chairman of the global financial institutions group and vice chairman of Germany, whom he will retain. Investment banking fees have surged 20% in the country this year, according to Dealogic, and competition for senior deal-makers is heating up.

The ring-fenced British retail bank Barclays has a new seat as Sir Ian Cheshire announced his intention to step down after more than two years of work. It is a challenging time for retail banks, which must overhaul their businesses to offset the impact of the Covid-19 crisis and a prolonged new era of low interest rates. Cheshire said he could not dedicate the time needed to do this, and has given up control Crawford Gillies.

Global co-head for HSBC investment banking advisory and protection, Peter Enns, leaving the bank early next year to take a role outside the banking sector. Enns, which is based in Hong Kong, has not been replaced, with former Deutsche executive Adam Bagshaw – who joined HSBC earlier this year – heading the unit himself on a temporary basis. Hugo Heath, vice chairman of HSBC, global banking will work closely with Bagshaw, the bank said in a memo sent to staff seen by Financial News.

Middle market investment bank Raymond James plays a major role in the consumer and retail sectors by acquiring specialist boutique advisor Financo. The move will see 25 new dealmakers and Financo’s CEO, John Berg, will lead a new consumer team, which has doubled to 50 bankers.

French bank Societe Generale is working to increase its diversity credentials by promoting more women into senior roles. The bank has pledged to ensure 30% of all senior management roles are held by women in the next three years. This means that one-third of its top 200 positions – from executive roles to management positions across business lines and functions – will be held by women.

Andrew Lake has been promoted to partner in the Swiss Mirabaud Group asset manager. He was hired by the company in 2013 and currently leads its regular income team.

Aviva has given a name Doug Brown chief executive of the UK and Irish life insurance business. Brown joined from Canada Life and will land at Aviva in April next year.

Jim Esposito, who was appointed as one of the heads of Goldman Sachs’ investment banking division following Gregg Lemkau’s unexpected departure in November, is focused on talent in his new role. Goldman continues to attract the “best and brightest” he says Financial News, but competition is growing and the need to ensure banks retain their best people has become inseparable.

Christmas jumper on top, tracksuits below? Yes, it’s a virtual Christmas party. Prepare a mini wine bottle and put a smile on your face. Here’s how enjoy the best of excitement through Zoom.

Some were able to relax during the holidays after being appointed managing directors. Citigroup, Swiss credit and Barclays all have named their new MD class over the past week.

To contact the author of this story with feedback or news, email Paul Clarke


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