More York families struggle with debt (From York Press) - The Press in York More York families struggle with debt (From York Press) - The Press in York
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More York families struggle with debt (From York Press) - The Press in York

More York families struggle with debt (From York Press) - The Press in York

More York families struggle with debt

SQUEEZED households in York are struggling to make ends meet, according to new figures from a leading debt advice charity.

Figures from the Consumer Credit Counselling Service (CCCS) show that York residents contacting the charity for help last year were an average of £11 short of the amount needed to cover their basic living expenses, much less debt repayments, each month. The charity is warning that many are at risk of falling into serious debt.

A total of 792 people in the York area contacted the CCCS helpline in 2011 for advice on dealing with credit cards, store cards, payday loans and other kinds of unsecured debt. On average they owed £18,162 - above the UK average of £17,983.

The city’s Citizens Advice Bureau (CAB) said the figures backed up their experiences.

CAB debt worker Kevin Butler said: “We have as high a demand now as we have ever had and we do all we can to help. What we have found is that until a few years ago the typical client was someone on a low income, someone not working or a single person with children. But for the last couple of years the people coming in have gone up the social scale. We now see more professionals, couples that are both working with families. People who have jobs are really struggling.

“In the vast majority of cases it’s because of a change in circumstances but there’s a sizeable minority of people who may be don’t work as many hours or have had cuts in overtime and that coupled with the rise in living costs have now tipped them over the edge.”

Delroy Corinaldi, CCCS director of external affairs, said: "Households in York are under relentless pressure from a combination of low wage growth and the rising cost of living. As the financial squeeze continues to tighten, many more people in York are at risk of falling into serious debt.

“FThe most important step you can take is to seek free advice as soon as you start to fall behind."

CCCS provides free and confidential debt advice at 0800 138 1111 and anonymous online debt counselling tool, CCCS Debt Remedy, at www.cccs.co.uk To contact York CAB call 08444 111444, visit www.adviceguide.org.uk or visit drop in sessions at Blossom Street on Monday, Tuesday and Thursday mornings from 9.30am - midday.



Soccer stakes rise as Nike presses on Adidas' turf - Reuters

Fri Jun 8, 2012 11:45pm EDT

(Reuters) - When Germany faces Portugal at the Euro 2012 soccer championship on Saturday, another battle is playing out between sponsors Nike Inc and Adidas AG for the top spot in selling gear for the world's most popular sport.

The Portuguese team's Nike-sponsored red jerseys, set against the white Adidas jerseys worn by Germany, underscore how much headway Nike has made against Adidas, once the dominant brand for all things soccer.

Adidas has been associated with soccer since the German company was founded in 1949. Nike, whose roots date back to the 1960s, did not enter the soccer business until 1994. Two years later, it scored an impressive goal when it signed Brazil's national team to a sponsorship deal.

"The Brazil deal gave presence and profile. It was also a signal of strategic intent," said Simon Chadwick, professor of sports business strategy and marketing at Coventry University Business School in Coventry, England.

Since then, the Beaverton, Oregon-based Nike has spent heavily on marketing. It also sponsors popular teams and players, including Portugal forward Cristiano Ronaldo. The most recent sponsorship battles between Adidas and Nike were fought over the German and French national soccer teams.

Adidas managed to keep its home team, but France was won over by the money Nike offered, which was reportedly north of 300 million euros ($374.01 million). By comparison, Nike's deal with Brazil in 1996 was worth 100 million pounds.

As the top sportswear brand in the world, Nike has been investing in soccer to increase its international presence. Soccer has about 2 billion fans worldwide, followed by basketball with 1.2 billion, according to sports research consultancies REPUCOM and SPORT+MARKT.

Companies sponsor popular teams and players to market their products in the hope of influencing fans. Sporting events like the UEFA Euro 2012 can boost sales of soccer merchandise by about 5 percent, according to Morningstar analyst Paul Swinand.

Sales of soccer goods will top 4 billion euros in 2012, according to Peter Rohlmann at German consulting firm PR Marketing. He estimates Adidas' market share at 38 percent, with Nike closing in quickly at 36 percent.

HISTORY, PRESTIGE

Some experts say Adidas is defending not just its merchandise sales against Nike, but also trying to safeguard its history and prestige in the sports world.

"Nike is really making a concerted effort to grow in the international market. If you want to be an international player, you've got to have a strong soccer business," said Matt Powell, analyst for SportsOneSource, based in Charlotte, North Carolina.

"It is really hard to measure the dollar value of sales against these events. It is much more about branding and credibility," he added.

Adidas said it expects to sell more than 1.5 billion euros ($1.87 billion) of soccer-related gear in 2012, helped by the Euro 2012 championship. Adidas stripes will be seen on six of the 16 teams taking part: reigning champions Spain, plus Ukraine, Denmark, Germany, Greece and Russia.

Nike, with annual sales of more than $20 billion, said it had $1.8 billion in sales from soccer in fiscal 2011. The Nike swoosh will be on five teams: Portugal, France, the Netherlands, Croatia and Poland.

Nike unit Umbro - a brand the company is planning to sell off - will outfit three teams: England, Sweden and Ireland. Puma has two teams: Italy and the Czech Republic.

FICKLE FANS

Experts say Adidas has an edge over Nike in Europe because of its partnerships with soccer governing body FIFA and popular clubs like Real Madrid or Bayern Munich.

"In European markets, there are still preconceptions that Adidas is historically associated with football and Nike isn't," said Chadwick, but he added: "Over the next 10 years, conceivably we will see Nike overtake Adidas."

Adidas football marketing manager Michael Kresser said last month the company aims to bring at least one product innovation to the soccer market each year. "We are market leaders and we will do everything to maintain that position," he said in an interview.

Nike has its plans in place as well. "There is a relentless drive for bringing in new products," said Charlie Brooks, Nike's communications director for football.

"Football is massively important. We made a strategic decision in 1994 that if we are going to be the world's leading sports brand, we need to lead in football," Brooks said.

Andreas Ullmann, head of market intelligence at SPORT+MARKT, expects about 7 million replica jerseys to be sold for Euro 2012, which alone guarantees retail sales of at least 500 million euros ($623.35 million).

Nike has worked toward being a global brand that "has its finger on the pulse of football," Ullman said. Still, he noted that Adidas is an established rival and is often better-connected, making it difficult for Nike to overtake the German company.

"I don't think Nike can do anything in football other than what it is already doing, other than continuing to invest in it to keep building its equity and tell fans it's in it for a long term. It is not just about money, it is about passion for football," said Coventry Business School's Chadwick. ($1 = 0.8021 Euro) ($1 = 0.6486 British pounds)

(Nivedita Bhattacharjee in Chicago, additional reporting by Victoria Bryan and Christian Kraemer in Frankfurt, Germany; editing by Matthew Lewis)



Joshi quits, Modi’s hold reaffirmed? - Daily Pioneer

RSS pracharak Sanjay Joshi quit all BJP assignments, including charge of Uttar Pradesh party affairs, on Friday under apparent pressure from Gujarat Chief Minister Narendra Modi. Sources close to Joshi said there was intense pressure from Modi on him, and hence he decided to relinquish all party work.

Well-placed sources said the Gujarat Chief Minister suspected Joshi’s hand in anti-Modi write-ups in BJP and RSS mouthpieces as well as putting up anonymous hoardings and banners in Delhi and Ahmedabad rooting for the RSS leader and hitting out at Modi.

While the Joshi camp had firmly denied any hand in the poster war and blamed it on mischief makers, this gave Modi an opportunity to settle scores with his long-time bete noire. Sources even claimed that Modi threatened to resign as Chief Minister if Joshi was not removed.

Modi had forced Joshi out from the BJP National Executive recently as part of a compromise with party president Nitin Gadkari. Modi agreed to attend the National Executive in Mumbai on May 24-25 only after Gadkari persuaded Joshi to put in his papers.

While BJP spokesman Prakash Javadekar claimed Joshi had quit the party, sources close to the RSS pracharak disputed the claim, saying he had only relinquished his assignment in UP. “Sanjay Joshi has requested BJP president Nitin Gadkari to relieve him from the party. And his request has been accepted by the party president,” Prakash Javadekar said on Friday without elaborating on the reasons for his resignation. “This is factually not correct. Joshi has just requested the party president to release him of all official assignments of the party,” sources close to the pracharak claimed.

Joshi was handling the BJP’s election programme for the forthcoming local bodies polls in Uttar Pradesh. The developments possibly hint at a Gadkari-Modi alignment to ensure a greater role for the Gujarat Chief Minister in national politics.

The moves of the RSS, which has backed Joshi, will be closely watched, as Gadkari has to cross a few more hurdles to get an extension as party chief. Some reports said that Joshi is likely to be rehabilitated by the RSS as general secretary of its affiliate unit, Bharatiya Itihaas Parishad.

The last few weeks have seen hectic parleying in the BJP. Party organ Kamal Sandesh made a scathing yet veiled attack on Modi for arm-twisting party leadership, a view also articulated by parivar ideologue Devendra Swaroop in his write-up in RSS’ Panchjanya. The editorial in another RSS publication Tarun Bharat, a Marathi daily from Nagpur and Mumbai, too criticised Modi for becoming bigger than the party.

On Friday, even Bihar Deputy CM Sushil Kumar Modi hit out at Modi, without taking his name, and said no one should try to hijack the party and force a decision on it.



Where is the vision? - The Daily Star
Saturday, June 9, 2012

Between The Lines

Whatever the Congress speaks, it sounds like an evangelist's outpouring. The party was no different a few days ago at its meeting of some 100 delegates, comprising Working Committee members and state presidents. The party again acted like a preacher who wanted to stir up feelings of revival. It cannot be done by merely attacking the opponents. There have to be answers to the questions on the ever-rising prices and the never-ending scams.

The delegates and other supporters who return to their field have to tell the people among whom they live or work what are the replies they have brought back. There have been scams costing the exchequer billions of rupees and inordinate delays in taking steps to stop the down-sliding economy. Still, there is no official explanation.

Prime Minister Manmohan Singh's slogan, "we will overcome," or Congress president Sonia Gandhi's attack for levelling baseless charges will not do. The party men are not gullible as they have been in the past. They want proof and measure it against their living conditions.

The overconfidence, rather arrogance, that the Congress leaders effuse, particularly the seemingly humble Finance Minister Pranab Mukherjee, has not gone down well. People have not been taken in by the promises. The government's performance is pretty poor. True, the general elections are still two years away. Yet this period is not long enough for the government to take pertinent steps which would perk the economy and the life of the voters.

Somehow, I was expecting drastic changes in the cabinet, a bigger role for Rahul Gandhi, and innovative economic policies to give the message of a new resolve and new measures to reflect a better way of governance. The hedging because of impending presidential election is understandable. Yet the delegates and others cannot say that the paralysis of government is because the party wants first to install its own person at Rashtrapati Bhavan. The Congress has missed a great opportunity if it had anything up its sleeve. I am confirmed in my view that the party is bereft of ideas and does not know how to control prices or to facilitate more production in factories and fields. It seems to have lost its way.

The seemingly alternative Bhartiya Janata Party (BJP) is neither here nor there. The criticism of the ruling party, with a pinch of parochialism, completes the BJP's story from A to Z. Lately, it has smelt power. It believes that the people''s alienation with the Congress will divert them to the BJP. But when its own house is not in order, how can it expect to net the catch it wants?

That the RSS will continue to dominate it is not something the party can wish away even if the bulk of it wants to have a different image. One, it cannot deny the parenthood because the RSS gave birth to the Jana Sangh, later renamed as the BJP, to be the organisation's political arm. Two, the party does not have any cadre of its own. The leadership, drawn from the middle class, does not like the smell of sweat of the pracharaks (the RSS preachers). But they are their main strength.

The BJP has never been a party in the real sense. It was a reaction to the ousting of old Jana Sangh members by the Janata Party which wanted them to make their promise to cut off links with the RSS good. And the RSS on its part has kept the BJP under its control. Even a tall person like Atal Behari Vajpayee had to wear khaki knickers and stand at attention in the RSS organised drills to show who the boss was. That is the reason why the RSS leaders chip-chop the party in the way they want and whenever they want. BJP chief Nitin Gadkari is the RSS choice; and even when he was not to the liking of veteran L.K. Avani or the opposition leader in the Lok Sabha Sushma Swaraj, Gadkari was reappointed.

Such an imposition is maybe disliked by some members who feel that by this time they have won recognition on their own. Yet they never challenge the RSS because they have seen that a few who did went out unsung and unwept. Since their differences are never over the ideology, they continue to be a part of the big family.

The RSS knows whom to project and when. Gujarat Chief Minister Narendra Modi has started behaving as if he will be the prime minister when the BJP forms the government after the 2014 general elections. The RSS has criticised the party for having too many persons harbouring the ambition of becoming prime minister. Maybe it feels that it is too early to project Modi. Maybe, it believes that his name will daunt many liberals sitting on the fence thinking of voting for the BJP.

But what the RSS doesn't seem to realise is that Modi's candidature will divide the nation, which does not accept him in any shape after what he did to the Muslims in Gujarat. He is yet to clear himself from the various cases filed against him. That the Supreme Court misjudged the credentials of former IB chief R.K. Raghavan when it appointed him as head of the Special Investigation Team (SIT), which has exonerated Modi, does not mean that the mistake cannot be rectified. His report is anything but unbiased. The RSS should wait till Modi is exonerated.

The unhappiness of Advani is understandable because he led the oustees from the Janata Party to assemble them under the umbrella of the BJP. He finds the RSS, which he served as a loyal soldier, has not allowed him to become the opposition leader of the house, the Lok Sabha. In fact, he owes it to the BJP parliament members who rehabilitated him by creating the position of chairman of the parliamentary party.

The people's dilemma is that both national parties, the Congress and the BJP, riven as they are with groupism and ambitions, do not qualify to lead the nation. How I wish there was some party, even though small, that had the vision to retrieve the country and take it forward.

Visit my website: www.kuldipnayar.com


WRAL RSS Feeds - WRAL

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The most common use of RSS is viewing news with an RSS reader, also known as a news aggregator. There are three types of news aggregators: stand-alone programs, e-mail-integrated applications, and Web-based aggregators.

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E-mail newsletters are usually delivered at a time chosen by the publisher. RSS gives you more control by always being available and staying updated. Another advantage RSS has over e-mail is that you don't have to supply an e-mail address to get the headlines.

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Bruce: Owners share my ambition - Football

Published: 08 Jun 2012 - 17:47:08

Steve Bruce is confident the reassurances he has received from Hull's owners will give him every chance of guiding the club back to the Barclays Premier League.

Bruce returned to management with the Tigers on Friday just over six months after being sacked by Sunderland. The former Manchester United captain was named as successor to Nicky Barmby, who was dismissed by his hometown club at the end of the season for questioning the owners' ambitions in the media.

Bruce insists there are no doubts about the intentions of Assem and Ehab Allam and he told Sky Sports News: "Let's be clear, the people here are determined to take the club forward. The more I spoke to them, the more assurances I was given and it became clear where they wanted to take the club."

He added: "That was important to me because the point of the conversations was to make sure that their ambition matches my own.

"I want to be back in the Premier League. It was a wrench to leave the Premier League and manage lower down because the Premier League is the best in the world, but I enjoyed my time in the Championship with Birmingham and Crystal Palace.

"I have received assurances and hopefully I can get the job done and get us both back in the Premier League. There is the nucleus of a very good squad here and with four or five additions it can only make us stronger.

"Hull finished just outside the play-offs last season, they have proved they are capable of challenging towards the top end of the table and now it is my job to try and take them on that little bit more."

Bruce is the fifth manager at the KC Stadium in just shy of 15 months, but the 51-year-old is unperturbed by such a lack of stability.

"To be fair to the owners, they have pumped a lot of money into the club and they want stability," Bruce added. "Without them over the past 12-15 months or so there might not have been a Hull City. Every club needs a bit of stability and I hope I can give them that along with the success they crave.

"As I've said, I have had reassurances and I really do believe we have a chance of being successful. The Championship is a wonderful league and I am looking forward to the challenge."



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