Golf: Gallacher in for Daly at Muirfield

Stephen Gallacher will play in next week's Open Championship after it was confirmed that John Daly is unable to participate.

Daly was due to tee it up at Muirfield as a past winner of the event but will not play again this season after it was revealed that he needs to undergo surgery on an elbow injury.
The problem first surfaced at the Byron Nelson Championship back in May and scans revealed that he had a torn tendon in his right elbow.
Doctors told him that he could continue playing but must avoid hitting anything that might jolt his arm while swinging a club.
And that it exactly what happened at last week's Greenbrier Classic, as the burly American hit a tree root while attempting a 50-yard chip shot on the 12th.
He felt immediate pain and, after further consultation with doctors, was advised to shut it down for the rest of the 2013 campaign.
Daly's misfortune is Gallagher's gain as the Scot was first reserve for the year's third major and will now join the line-up at the East Lothian venue on July 18.
Daly was understandably frustrated at the news that he will not be able to play at one of his favourite events, saying: "I hate missing the British Open, especially at Muirfield. It's one of the best on the planet."

Source: http://www.clubcall.com/golf/gallacher-in-for-daly-at-muirfield-1605757.html

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Texas officials OK more staffing for apparatus

The Eagle

BRYAN, Texas ? The Bryan City Council unanimously approved a resolution Tuesday evening that could increase minimum staffing levels for the fire department over the next 10 years.

Its passage was met with applause, both from firefighters who showed up at City Hall and from the council itself. The resolution states the city will now strive to increase the minimum staffing level to four firefighters on each truck, and give an aide to each battalion chief within the next decade.

?It provides more efficient operations ? obviously more people on the scene helps to do the job better and more safely,? said Bryan Fire Chief Randy McGregor. ?This is important to us.?

McGregor said the fire department currently staffs three firefighters on each truck, but many fire service regulatory agencies recommend staffing each truck with four. He said many cities nationwide strive to achieve a four-firefighter minimum staffing level on each truck.

By the time it is fully implemented in 2023, 33 new positions will be created. The staff increase would be funded through the general fund, and the approximate annual cost when fully implemented is $2 million in today?s dollars.

The number of positions that can be added each year will depend on how much funding is available. City Manger Kean Register said the city will be adding six new positions starting with the new fiscal year in October.

?It is a big commitment on the part of the city,? Register said. ?It does impact budget, but it?s something that we can do over a period of time.?

The resolution does not commit future councils to fund additional positions, but encourages them to continue increasing the staff each year.

McGregor said the fire department will begin staffing four firefighters on the ladder truck, which goes to every fire, and then start increasing staffing on the engines in the coming years.

?This department was good, but we?re gonna make it even better,? McGregor said. ?It?s just the next step in the process to keep the department moving forward.?

Bryan Mayor Jason Bienski thanked McGregor and fire department officials for their work.

?Our council is very supportive of our first responders,? Bienski said. ?Anything that?s better and safer and makes our department more efficient is important to us.?

Copyright 2013 The Eagle

McClatchy-Tribune News Service

All Rights Reserved

Source: http://www.firerescue1.com/fire-apparatus/articles/1469252-Texas-officials-OK-more-staffing-for-apparatus/

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5 MONEY SAVING TIPS FOR NEW COLLEGE GRADS

Guest contributor;?Anton Ivanov?

College graduation is fun and exciting. New grads are finally done with their education and are eager to embrace new opportunities. But graduation can be a very stressful time as well. Along with finding a new job, moving and adjusting to post-college life, new grads often face financial problems.

Many young people graduate with tens (or even hundreds) of thousands of student loan debt, have little or no savings and poor financial habits. But that doesn?t mean they can?t change their financial situation for the better. If you are a recent college graduate, following these 5 essential money saving tips will help you build a solid financial foundation.

Follow these tips to ward off financial problems!

Save money early; stuff your bank to the max

?

1. Start Saving Early

Saving for emergencies or retirement may not be your most pressing concern. But it?s dangerous to put your saving efforts on the back burner. Every month and year lost can mean thousands of dollars less in your retirement account. And a lack of an emergency fund may have a big negative impact on your life and finances if you are not prepared.

Make a plan to save a portion of your paycheck each month right after graduating (or earlier, if possible). Be sure to pay yourself first ? save money before your other expenses eat away at your paycheck. The earlier you start saving, the wealthier you will ultimately become.

(Barb?s comment; I opened an IRA and started saving for retirement at age 23 and am sitting pretty as retirement approaches! A little bit of saving goes a long way!)

2. Control Your Spending

You may have gotten used to spending every dime of your part-time job?s pay in college. Now that your paycheck is much bigger, thanks to your full-time employment, you may be tempted to do the same. After all, all your friends are buying nice cars and expensive clothing, so why should you miss out on the fun?

(Barb?s comment; Because you will look back on that expensive car with disgust when you are eating beans in retirement!)

You can?t save money if you spend it all. If you want to reach your financial goals, such as become debt free and have a comfortable retirement, you need to have a budget. A budget will help you see where your money is going so you can figure out where your weaknesses lie. You don?t have to eliminate your expenses all at once ? cut back a little at a time.

(Barb?s comment; Buy a coffee maker, brew a thermos full of coffee, bring it to work and save $20-$30 per week!)

3. Every Little Bit Counts

Even after you eliminate unnecessary spending, you may not have much to save. This could be because your starting salary isn?t the greatest, or because your student loan payments take up a significant portion of your pay.

Don?t let this discourage you from saving altogether. Every little bit counts ? if you invest just a $200 a month for 40 years, you will have close to $525,000 (assuming an annual yield of 7%). Don?t be afraid to start small, and be consistent and disciplined. As your income grows and debts are getting paid off, you will have an opportunity to save more.

Build an emergency fund now!

4. Emergency Fund is Key

Your emergency fund should be your first savings goal. Why? Because an unexpected event can happen to you at any time, no matter how young or healthy you are. If you are not financially prepared to handle an emergency, you will likely be forced to take out a loan to cover its costs.

Set an initial goal to save at least 6 months worth of expenses. Put that money in a high-yield savings account and don?t touch it unless you absolutely need it. Don?t be afraid to save more in the future as your financial situation changes (you start a family or have to support aging parents). And don?t forget to replenish your emergency fund after you dip in to it.

5. Don?t Forget About Debt Repayment

If you have student loans, credit card or other types of debt, create a debt repayment plan to get rid of it as quickly as possible. Loan and credit card payments cut into your income and limit your ability to save. The sooner you get out of debt, the sooner you will be able to save more money.

Make a list of your existing debts and pick one to focus on. It?s better to pay off high interest debt first (this will usually be your credit card debt). As your debts are getting paid off, roll over your debt repayment money into the next debt, then the next, and so on. This proven method of debt repayment will help you become debt free the fastest.

It?s also important to realize that you will not succeed at paying off your debt if you don?t stop accumulating more of it. A debt-free attitude will serve you well for the rest of your life.

The key to all of these money savings tips is being consistent and disciplined. If you succeed at that, you will build a strong financial foundation and will easily reach your financial goals.

What money staving tips do you have for new college grads?

Guest contributor;?Anton Ivanov is an aspiring financial writer, successful investor and zealous entrepreneur. He is extremely passionate about helping others become financially independent and shares his financial knowledge at?Dreams Cash True. You can follow his updates on?Twitter,RSS?or?Facebook

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Source: http://barbarafriedbergpersonalfinance.com/money-saving-tips-for-college-grads/

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Metta World Peace Interested in Knicks & Every Other Playoff Team in NBA

We all know that the artist formerly known as Ron Artest is from Queensbridge, so the Knicks makes sense if he is amnestied by the Lakers.

But in classic MWP fashion, he has a long list of potential destinations.

According to USA Today besides the Knicks, MWP is interested in Los Angeles Clippers, Brooklyn Nets, Chicago Bulls, Miami Heat, Oklahoma City Thunder, San Antonio Spurs and the Indiana Pacers.

No word on if any of these teams would be interested in him, but any team MWP is on, instantly becomes more interesting, don?t know if they become better, but definitely more entertaining.

Source: http://blacksportsonline.com/home/2013/07/metta-world-peace-interested-in-knicks-every-other-playoff-team-in-nba/

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Largest Nev. fires still growing near Vegas, Reno

The Las Vegas Strip skyline is seen as smoke continues to billow from the Carpenter 1 fire on Mount Charleston on Monday, July 8, 2013 in Las Vegas. Homes were threatened, but more than 750 firefighters, including 18 elite Hotshot crews, were battling the Carpenter 1 Fire some 25 miles northwest of Las Vegas, said Jay Nichols, a U.S. Forest Service spokesman in the Spring Mountains National Recreation Area. (AP Photo/Las Vegas Review-Journal, David Becker)

The Las Vegas Strip skyline is seen as smoke continues to billow from the Carpenter 1 fire on Mount Charleston on Monday, July 8, 2013 in Las Vegas. Homes were threatened, but more than 750 firefighters, including 18 elite Hotshot crews, were battling the Carpenter 1 Fire some 25 miles northwest of Las Vegas, said Jay Nichols, a U.S. Forest Service spokesman in the Spring Mountains National Recreation Area. (AP Photo/Las Vegas Review-Journal, David Becker)

A smoke plume from the fires near Mount Charleston hangs over downtown Las Vegas on Monday July 8, 2013 and stretched dozens of miles. (AP Photo/Las Vegas Review-Journal, Norm Clarke)

Smoke pouring from the fires in the Mount Charleston area west of Las Vegas created a fiery sunset on Monday July 8, 2013. (AP Photo/Las Vegas Review-Journal, Norm Clarke)

Residents have their identification checked at a check point on Hwy 89 near outside of Yarnell, Ariz. on Monday, July 8, 2013, as evacuees from Yarnell and Illah are let back into their homes after being evacuated June 30. Nineteen members of the Granite Mountain Hotshot crew died fighting the Yarnell Hills Fire, about 40 miles southwest of Prescott. (AP Photo/The Arizona Republic, Michael Chow) MARICOPA COUNTY OUT; MAGS OUT; NO SALES

The Las Vegas Strip skyline is seen as smoke continues to billow from the Carpenter 1 fire on Mount Charleston on Monday, July 8, 2013 in Las Vegas. Homes were threatened, but more than 750 firefighters, including 18 elite Hotshot crews, were battling the Carpenter 1 Fire some 25 miles northwest of Las Vegas, said Jay Nichols, a U.S. Forest Service spokesman in the Spring Mountains National Recreation Area. (AP Photo/Las Vegas Review-Journal, David Becker)

LAS VEGAS (AP) ? Two large Nevada wildfires advanced Tuesday through mountain areas near Las Vegas and southwest of Reno, while firefighters added resources and began looking to the weather to help quell flames.

Fifty firefighters were added to the effort at the Carpenter 1 Fire on Mount Charleston northwest of Las Vegas, bringing to more than 800 the number of personnel battling the blaze identified as the top priority in the West, U.S. Forest Service spokesman Jay Nichols said.

"We've got a fire running from 11,000 feet to about 5,000 feet," Nichols said of the elevation of the blaze sparked by lightning July 1 and still just 15 percent contained eight days later.

It's burning in pinion, juniper and bristlecone pine forest in rugged territory covering more than 30 square miles and continues to threaten about 400 homes. More than 500 residents and another 98 teenagers at a youth correctional camp have been evacuated since the weekend.

"It's dry," Nichols said. "We've got torching trees and spotting fire. We're being extremely careful and monitoring the safety of firefighters and the public."

In northern Nevada, the Bison fire grew Monday to 40 square miles in the Pine Nut Mountains near Gardnerville and Carson City. Fire spokeswoman Lisa Ross said one of the 720 firefighters on the lines suffered a knee injury. Containment was reported at 25 percent.

Fires were also burning across the West in California, where 100 mountain cabins were destroyed in San Diego County, and also in Alaska, Idaho and Arizona, where a memorial service is being held Tuesday for 19 firefighters killed in a wildfire north of Phoenix.

In Nevada, 19 elite Hotshot crews and 44 engine companies were battling the Carpenter 1 Fire some 25 miles northwest of Las Vegas, Nichols said.

Smoke from the fire created a towering white cloud that stretched northeast, visible from downtown. The Clark County Department of Air Quality issued a health advisory that officials said would remain in effect through Sunday.

No injuries were reported in the southern Nevada fire that started July 1 on the west side of Mount Charleston near Pahrump and quickly spread east into rugged terrain reachable only on foot. Officials said Monday that some $2.4 million had already been spent fighting the fire.

Mount Charleston is a popular weekend getaway, where summer temperatures can be 15 to 20 degrees cooler than in Las Vegas, which has sizzled in the triple digits for more than 10 days.

More than 400 homes in Trout, Kyle, Lee, Harris Springs and Lovell canyons were evacuated during the weekend, along with a Clark County-run youth correctional camp that houses 98 teenagers at a mountain elevation of almost 8,500 feet above sea level. State highways 156 and 157 were closed into the canyons, and evacuation shelters were set up at schools in Las Vegas and Pahrump.

Crews were also working to protect about 100 non-residential structures including barns, sheds and corrals, Nichols said.

Daytime high temperatures on the mountain were expected to decrease over the next few days after peaking at 90 degrees on Saturday, but firefighters were still hampered by gusty winds and humidity levels in the single digits.

The Bison Fire in northern Nevada, which straddles the Douglas and Lyon county lines, nearly doubled in size Monday from a day earlier as it burned through tinder-dry brush, dead trees and pinion-juniper forests. By afternoon the fire was estimated at more than 27 square miles.

The mountain range also stretches into Carson City. Late in the day, fire officials closed popular back-country roads leading from the state capital into the mountains because of the fire's path.

No homes have been lost since the blaze broke out July 4, but officials said several old structures burned in the Slater Mine area.

More than 700 firefighters battled gusty winds, low humidity and temperatures in the 90s, Ross said.

___

Associated Press writer Sandra Chereb in Carson City contributed to this report.

___

Find Ken Ritter on Twitter: http://twitter.com/krttr

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2013-07-09-US-Western-Wildfires/id-b928d8a2a43649e789dc01fcab52a66f

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NYSE operator takes over LIBOR bank rate

Trader Luke Scanlon, right, works on the floor of the New York Stock Exchange Monday, July 8, 2013. Stocks rose in early trading Monday ahead of the start of second-quarter corporate earnings reports. (AP Photo/Richard Drew)

Trader Luke Scanlon, right, works on the floor of the New York Stock Exchange Monday, July 8, 2013. Stocks rose in early trading Monday ahead of the start of second-quarter corporate earnings reports. (AP Photo/Richard Drew)

LONDON (AP) ? The company behind the New York Stock Exchange will take over running and restoring confidence in the scandal-hit London interbank offered rate, or LIBOR, a UK committee has ruled.

The independent panel, set up by the UK Treasury, on Tuesday chose NYSE Euronext to take over LIBOR from the British Bankers' Association, which had supervised the rate-setting for decades. The changeover is scheduled to be completed by early 2014, the panel's chair, Baroness Sarah Hogg, said in a statement. The panel did not identify other bidders.

"This change will play a vital role in restoring the international credibility of LIBOR," she said in a statement.

LIBOR underpins trillions of dollars of transactions all over the world. It is an average rate that measures how much they expect to pay each other for loans. The rate is also used in calculating borrowing costs of hundreds of trillions of dollars in loans and investments such as bonds, auto loans and derivatives.

But the rate was underpinned on trust ? an honor system that relied on the banks to be honest. Revelations of its manipulation last summer both shocked the financial community and forced a reform in how it was administered.

The scandal emerged when authorities realized banks ? including Royal Bank of Scotland, Barclays and UBS ? were submitting false data to gain market advantages.

U.S. and U.K. regulators fined RBS more than $460 million for rate-rigging. Barclays' role led to a $453 million fine and the resignation of chief executive, Bob Diamond. Swiss bank UBS was fined $1.5 billion.

After the scandal erupted, the government moved to restore confidence in LIBOR's integrity, establishing the panel to review the rate and creating criminal penalties for those who violate the rules.

"We want to protect taxpayers and restore faith in financial services," financial secretary to the Treasury Greg Clark said in a statement.

"The government is committed to developing a safer and strong banking sector. We want a financial sector that serves the interests of business and helps to drive economic growth."

The rate will be administered by NYSE Euronext Rate Administration Limited, a new subsidiary of NYSE Euronext.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-07-09-Britain-Libor/id-e21dd97b9d8f43f1809107545e12f45a

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Algeria, EU sign draft agreement on closer energy cooperation

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