by Ann Brooke Raynalillustrations by Laura FrankstoneThe South is littered with the carcasses of former mill towns, where abandoned storefronts and unemployment tell the tale of the death of the textile industry. When Dixie Mill – inSaxapahaw, an hour west of Raleigh – finally shut its doors 20 years ago, the tiny town seemed doomed to the same fate.Instead, this rural riverside spot has risen like a phoenix, finding new life as a center of food, recreation, and music.The transformation began in 2005 when the lower Dixie mill was restored and made into apartments and lofts. The Saxapahaw General Store – a gourmet restaurant/convenience store – came next, in 2008. Since then, the Haw River Ballroom, an airy music venue in the mill’s former dye room, has become a major draw, and several other businesses have moved into the restored mill.Still, Saxapahaw is small, and it has stayed that way. Technically a “census-designated place” rather than a municipality, it doesn’t even have a stoplight. What it does have is one lunch place, and it’s amazing. One place to eat dinner, and it’s world class. One concert venue that draws music lovers from all over the Southeast. How is it that a tiny non-town holds not just one of everything, but the best of everything?You’ll only have to drive an hour and park once to find out for yourself: A day of music, food and fun.Start with a cup of coffee at Cup 22, located in the balcony of the Haw River Ballroom. Several hiking and mountain biking trial heads lie within walking distance, including the William Nealy Memorial trail that leads to a river island.For lunch, a stop at the General Store is a must. The charm is its unexpected mash-up of convenience mart and gourmet eatery. You can fill up your tank at the Saxaco pump outside. Inside, you can buy toilet paper and wine, venison jerky and locally grown produce. Seasonal menu items are posted on a chalkboard. Though the place specializes in a variety of sandwiches and beef burgers, the ribs are out of this world, and there’s nothing in Raleigh to rival the red curry shrimp salad.After lunch, book a trip down the river with the Haw River Canoe and Kayak Company. Instructors teach canoeing and kayaking and run summer day camps for kids. Visitors can rent canoes and kayaks, or take a guided trip down the river. Owner Joe Jacob points out there is little development along this stretch of the Haw, so it’s perfect for glimpsing wildlife along the riverbank. “There’s a natural history component to every tour we take,” he says. If paddling’s not your thing, you might want to arrange for a lazy afternoon at Benjamin Winery, just across the river. Five dollars lets you taste six different wines. The winery serves cheese and crackers but also encourages picnic lunches and dinners on their lovely patio overlooking the vineyard. Visitors with more time should check out the three other Haw River Valley wineries along the Haw River Wine Trail.The Eddy Pub, nestled next to the Ballroom, is the perfect pre-show dinner destination. The Eddy serves delicious farm-to-table fare in an atmosphere that is, like the rest of Saxapahaw, sophisticated and rustic at the same time. Hand-crafted wooden tables and amber bottle pendant lights lend the “farm table room” a cozy radiance. The patio balcony gives diners a panoramic view of the river.The Haw River Ballroom boasts headliners like Lucinda Williams and Chatham County Line, as well as up-and-coming performers. The brick walls of the former cotton mill dye house soar several stories for three levels of viewing, and the acoustics are terrific. For concert-goers reluctant to drive back to Raleigh after the show, the nearby River Landing Inn offers several comfortable rooms and lovely walking trails by the river.A rising tide lifts all boatsSaturdays in Saxapahaw, a weekly series, celebrates the music and food that put Saxapahaw on the map. On Saturdays from May to September, local farmers and chefs sell produce and prepared dishes in an open-air market from 5 to 8 p.m. Live music begins at 6 p.m. Last year, more than 300 bands applied for 17 summer Saturday spots, and though the event is free, a plastic swan-shaped bucket passed around to hundreds of music lovers makes the gig more than worthwhile for organizers and musicians.The handful of Saxapahaw merchants have also formed an informal business alliance to find ways to support each other. “We’ve had to get creative and work together,” says Joe Jacob. His afternoon and evening “picnic paddles,” catered by the General Store or The Eddy Pub, are one example.This spring, The Eddy Pub also hosted a tasting dinner to highlight a new business the town is fostering: Haw River Farmhouse Ales, which is building a production center and tasting bar that should be open by June. Husband and wife Dawnya Bohager and Ben Woodward were home-brewers who want to build a business in the town they love. “Everybody wants everybody to succeed. It’s been ‘open arms’ from the beginning,” says Bohager. A river runs through itSaxaphahaw owes the Haw River its name and its life. The river attracted the Sissipahaw Indians to its banks, and the river also allowed the first merchant ships to navigate North Carolina’s interior. The river brought grist mills, and later, textile mills. And it was unspoiled views of the Haw that enticed today’s apartment dwellers into the restored mill. The river brought the small farmers, the paddlers, the hikers and the adventure seekers. And now, the tourists.In Saxapahaw there’s a healthy tension between presentation and preservation, between attracting new business and protecting what is wild and wonderful. Matt Shepherd, a Saxapahaw native who works at Cup 22 and at the Ballroom, sums it up this way: “Saxapahaw: It’s so wonderful I just want to build a wall around it!” When Joe Jacob isn’t dreaming up creative ways to capture new business, he worries about encroaching development. “I hope there’ll never be a stoplight here,” he says.“The whole purpose of this business is getting people to care about the river,” says Jacob. “People get out on the Haw and it just captures their hearts.” Jacob recalls his favorite quotation from John Muir, poet and founder of the Sierra Club. He waits patiently while I get the words down: “The river flows not past but through us, tingling, vibrating, exciting, every cell in our bodies, making them sing and glide.”Like coming homeFor a musician, Saxapahaw’s Haw River Ballroom is a spectacular place to play. Headliners Gillian Welch, Ricky Skaggs, and Patty Griffin have all gushed, on stage and off, about its welcoming, nearly magical atmosphere.This dye-house-turned-music-venue holds a particular significance in my own heart and history. Today, I’m lucky enough to play there with my old-time band The South Carolina Broadcasters. But when I was growing up nearby, Saxapahaw was just a sleepy river village with a tiny post office that my family drove through on the way to Chapel Hill.That changed 12 years ago, when community leaders Tom and Heather LaGarde began hosting a farmer’s market on the grassy hill across from the mill. From then on, my Saturday evenings were spent sipping lavender lemonade and listening to whichever band happened to be gracing the Haywagon stage.It was there I was bitten by the music bug.One night I gathered up the courage to approach Heather LaGarde as she roamed the crowd, passing the swan to collect tips for the band (Saxapahawlics, y’all know what I’m talking about). Encouraged by her warm smile, I asked if I might have a chance to become an opening act, singing and playing guitar. I auditioned, and a few weeks later, I was warming up for Lizzy Ross. I only knew three chords, but I fell in love with the music and the feeling I got from being so honest on stage.A few summers later, the LaGardes opened the Haw River Ballroom. I worked the box office and stayed late to mop floors so I’d get a chance to be on that beautiful stage.When the three-tiered room was empty – but the microphones were still running – I’d jump beneath the lights and sing my tunes.One night, I found myself in the green room with the amazing Lucinda Williams, yammering away with her like a long-lost friend. We talked about buying shoes on Zappos and her fondness for gaudy jewelry. I apologized for taking up so much of her time. “Honey, you have got to quit saying that!” she told me. “Women need to stop being so sorry.”That’s just one of many life lessons I’ve learned working at the Ballroom.Last year, I sang on the Ballroom stage to an audience for the first time. The experience was beautifully overwhelming. I looked out into the faces of friends and supporters who had nurtured me along the way. It felt like coming home.–Sarah Osborne
At the CAM exhibit, members of the U.N. Millenium Campaign: Jasmine Jaruphand, photographer William Moore, director Corinne Woods, and chief storyteller Saige Martin.by Jessie Ammonsphotograph by Nick PironioOn a recent trip to Sri Lanka, Raleigh native William Moore wandered just a few streets over from the strip of five-star hotels where he was staying. “It was like entering this impoverished secret garden,” he recalls of the sudden shift to destitute surroundings. “Just past gem merchants and across a palm-lined avenue and you’re abruptly in another world.” It was there, though, that he found hope. “The people were poor, but happy and indefatigably welcoming,” he says. He snapped a photo of a boy playing cricket, a portrayal of determination and yet playfulness.That image was flanked by three dozen others in Humans of MY World, a photo-narrative exhibition on display at CAM during December. A portion of the show will remain up through February.Moore and his co-photographer, Saige Martin, both 24, traveled to 15 countries across five continents in the span of less than a year on behalf of the U.N.’s MY World Global Survey. The survey is a sort of humanized census: Any and everyone is asked to choose which issues matter most to them from a list of the U.N.’s sixteen millennium goals, from better job opportunities and healthcare to an honest and responsive government. While the poll is online, a team of U.N. employees has been taking to the streets of third-world countries to ensure no population is left out.William and Saige were two of those team members. They decided to humanize the campaign even more. Inspired by a well-known photography project called Humans of New York by Brandon Stanton, the two picked up their cameras.Stanton’s premise is to capture the essence of New York City via street portraits – William and Saige took an “explicit campaign focus,” William explains. “We concentrate on the personal experiences behind each person’s development priorities [from the U.N. survey]. What emerged was a really interesting conversation between photography, data, and storytelling.”Indeed, the exhibition features poster-sized portraits alongside the photo subjects’ demographic data and quotes from their interview about what matters most to them. Some were heart wrenching, others lighthearted. (That Sri Lankan cricket player? He selected the survey’s choose-your-own option, to which he said, “cricket number one. Number two and three, also cricket.”) iPads at the exhibit allow viewers to take the MY World Global Survey and then view the most updated aggregate data, based on more than 7 million votes as of the printing of this story.It’s a vivid and compelling display first curated for exhibit at the U.N. headquarters in New York, where William and Saige met and worked. It was so popular there that it’s since been shown at other venues and interpreted in a spoken word performance.Bringing Humans of MY World to CAM was a homecoming for Moore. The exhibit’s launch coincided with his move back to Raleigh, a return he’s known he’d make since he graduated from Cary Academy. At a reception to celebrate the exhibit, dozens of his high school peers and childhood friends mingled with Martin and his U.N. colleagues, including the director of the U.N. Millenium Campaign, Corinne Woods.A self-taught photographer, Moore holds degrees in American Studies and Foreign Policy and never imagined his work would one day hang on the walls of an art museum. This month, he’ll work with students at Exploris Middle School on social justice through photography project. It’s the people he met on his travels and the chance for them to be heard that keeps him going. “We made time everywhere we went to go out into the streets, go out into the villages, and really talk to people at length about their hopes, about their concerns, about their struggles,” he says. One photo depicts a somber elementary-aged boy in Buenos Aires. His quote says one of his biggest struggles is to “wake up in the morning with everything I had the night before.”“There’s so much depth below that statement,” William says. “We’re all trying to hold onto what we have and, inevitably, we don’t always succeed.”
by Liza Robertsphotographs by Missy MclambAs Raleigh sparkles in the slanting light of a winter afternoon, Red Hat President and CEO Jim Whitehurst, eight stories above it all, looks dazzled. The view of America’s third-fastest-growing city from his company’s new downtown home isn’t bad. But it’s what that vista represents that has him impressed.“You look around you,” says Whitehurst, 45, his arms spread to indicate the city beyond and Red Hat’s towering headquarters beneath his feet, “and you think, are we really this big?”The numbers say yes.Red Hat broke the billion-dollar revenue barrier last year, becoming the first open-source software company to cross that magic line with sales of $1.13B. It was a 25 percent improvement over the year before, helping make Red Hat the 21st-fastest growing tech company in the country, according to Forbes.Red Hat’s biggest customers include Amazon.com, DreamWorks Animation and the New York Stock Exchange. It operates in 30 countries with 5,000 employees – a number that’s growing 20 to 30 percent a year. And now it’s claiming both the physical home and the mantle of Raleigh’s S&P 500 component from Progress Energy.So, yes, Red Hat really is that big.But it’s not hard to see why Whitehurst is still taking it all in. Because his company – like the software it makes, tweaks, and manages – is a groundswell kind of place. Where growth comes organically, through collaboration among colleagues and across divisions, in interactions with customers and the wider world.“It’s not transactional, it’s an ecosystem.” Whitehurst says, declarative but relaxed in his customary dark jeans, no tie. “Ask any gardener: You don’t know if it was this day that you watered, or that fertilizer, that ultimately made it blossom.” If you empower employees and stoke their ideas, he says, “you’re going to get back more than you gave. It’s never a trade-off. It’s never about transactions.”Getting back more than it gave is high on Raleigh’s own wish list as the city welcomes its newest downtown tenant. More than $15 million in incentives from the state, tax breaks from the county, and fiscal and parking perks from the city helped lure Red Hat downtown when it began looking beyond its N.C. State Centennial Campus headquarters. Raleigh Mayor Nancy McFarlane called the incentive package “fostering our own,” and she’s not alone in hoping the civic investment in this homegrown success story will prove worthwhile.“Some people pooh-pooh incentives,” says James H. Johnson Jr., a William Rand Kenan, Jr. Distinguished Professor at UNC’s Kenan-Flagler Business School, who also serves as director of the Urban Investment Strategies Center at the Frank Hawkins Kenan Institute of Private Enterprise. “But you have to look at the long-range return on investment. It will be several-fold what these incentives are.”Red Hat’s move downtown will not only make up up for local jobs lost when Duke Energy merged with Progress, Johnson says, it will cement Raleigh’s status as a technology cluster. “An influx of 1,000 really, really smart people inhabiting the downtown area will be phenomenal for the city, and for the county, for that matter,” he says. For the city, “this is a really smart strategy. It’s really economic development marketing. People will look at Raleigh as an emerging high-tech, creative class cluster. And success begets success.”Former Raleigh mayor and Parker Poe partner Charles Meeker also expects Red Hat’s move to be significant. “It brings people who have energy, who will live nearby,” he says, not only eating out, shopping, renting apartments, and buying cars and homes, but also contributing to the life of the community in meaningful ways, like serving on nonprofit boards. “They’ll energize the city.”An open-source success Red Hat sells a branded version of Linux, a computer operating system code released 22 years ago by the Finnish-American software engineer Linus Torvalds, who made its code public and invited other developers to use and improve it. By definition, open source software is made and adapted by the community that uses it. By definition, it is free.Red Hat, however, has figured out how to make serious money from this organic creation, despite widespread skepticism that it was possible at all. In 2001, Microsoft founder Bill Gates said open source software was “a competitor in the student and hobbyist market, but I really don’t think in the commercial market we’ll see it in any significant way.”Red Hat has turned that prediction on its head by making it possible for Amazon.com, for example, to use its customized open-source software without worrying about bugs or glitches. Red Hat provides its version of open-source, plus technical support, customized products, storage, collaboration, cloud management, and other services for what is essentially a subscription fee.It’s a fast-growing market that is dominated, so far, by this homegrown company, and led by its unconventional chief. Down-to-earth is how Whitehurst’s employees describe him, and it’s borne out in the details that emerge as he interacts with them, and as he describes his days.One of the most important things a leader can provide, Whitehurst says, isn’t directives, it’s context: “Here’s what we’re doing, and the role that you play in that. And preferably, the context is something bigger than – hey, we’re in this to make money.” As he approaches an employee in her cubicle for an impromptu chat on a stroll around the new building, she’s clearly comfortable letting him know she’s on the phone; he’ll have to wait.It’s a customary dose of reality for a leader who doesn’t operate in a traditional hierarchical fashion. He says leadership is earned when “you show some success, and say things that are worth listening to. When people start to listen to you, you become a leader.”One of the reasons they listen to Whitehurst – besides the three letters that form his title – is because he has passion. “We’re actually changing the way software is delivered and consumed around the world,” he says. “Doing something bigger than just hitting the quarterly numbers. And it’s amazing how powerful that is.”Red Hatters appear to feel the same way, which is why, at its heart, the consensus culture works, Whitehurst says. “You get people involved upfront, and people have to know that you listen to them.” That brings a pressure of its own. “You have to like debate,” Whitehurst says. “You have to be comfortable with ambiguity, and you have to be comfortable building your own career path.”Moving on up The move to Red Hat Tower, as the company has re-christened the former Progress Energy building on East Davie Street, is one the company and its 1,000 local employees (average age: 32) is making thoughtfully, and in stages. Whitehurst says the decision to come here was not his own, though he’d angled for it.Autocratic decisions from on high are not the open-source style. Instead, an internal team of 40 mapped out where employees lived, canvassed them for opinions, and considered the options. Factors both known and predicted were taken into account. Space was needed for up to 1,700 employees, for instance – a number that assumes annual growth of 20 percent for the next few years. Then, a decision that downtown was the ideal spot “emerged,” Whitehurst says, “and I blessed the decision.”A Columbus, Ga., native, Whitehurst honed this style of leadership at Delta Air Lines, where he became chief operating officer in 2005, and helped to lead the company out of bankruptcy. He says he learned at Delta that being open with employees, telling them exactly why they’re valued, and treating them as “adults,” not as “cogs,” was the way to make change happen.The ramifications of group-led decisions can be extensive. Take the renovations to 19 floors of the tower, which took several months, earned LEED gold status for energy efficiency, and allowed “the architecture to reflect the culture” for the first time, Whitehurst says. That doesn’t mean a gigantic red fedora atop the tower, as he suggested early on. “They shot me down on that one.”What it does mean is “open source design, reflective of an open source culture,” or low, open cubicles pulled back from glass exterior walls; abundant natural light; and small conference rooms everywhere for impromptu group meetings or individual quiet. The two-story open space that used to house Progress Energy’s trading floor will become “community space” with pool tables, Ping Pong, Wii, and tables for dining. The parking deck will include 75 spots for bikes.And downtown itself will provide a cultural resource that can’t be underestimated, Whitehurst says. “We have a young workforce interested in being in a more urban environment. Being downtown where we can walk, where there are restaurants…it will help us to be closer together.”Keeping it simple It can be difficult to tell which one is the CEO when Whitehurst enters the building with a group of staffers. He carries a backpack; inside is a blue nylon lunchbox that he shares, on occasion, with his son (both of their names are written on it in felt-tip pen).Whitehurst brings his lunch in part because keeps a close watch on his health. He pulls out a (Red Hat Linux-powered Android) phone to show a photo of the gorgeous pear dessert he broke his rules to eat the previous week, at “a really nice restaurant in Paris.” It was the second or third dessert he’d eaten in a year.Whenever possible, he brings his family on trips like that: Eleven-year-old twins Emma (“a big time soccer player and chess player” and Jack (“into computers and martial arts”); and his wife, Lauren, whom he met at Harvard Business School, and who works as a visiting professor at Duke.They’re an active crew, hiking and biking on the American Tobacco Trail near their home in Durham; Whitehurst is a daily runner who ran the Chicago Marathon last October in three hours, 39 minutes.Unsurprisingly, the Whitehursts also have a thing for technology. At home, he says he has a bit of a problem collecting computers of all kinds. His wife has made a rule: With every new computer that comes in the house, another one has to go.That’s easier said than done if you operate “two complete parallel universes” as Whitehurst does. His Apple universe includes an iPhone, MacBook Air, and two tablets; his Linux-powered universe is an Android phone, laptop, and two tablets. “That’s a little bit crazy, but I’m interested in the technologies and how they work,” he says.Nevertheless, Whitehurst believes the “single greatest invention of the 21st century so far” is a Nespresso machine. He has one at work, one at home, and makes himself a simple, straight-up espresso several times a day.It’s true that for a laid-back leader, Whitehurst does have a caffeinated zeal. Kicked back in his Centennial Campus office on the eve of his own move downtown, he puts his feet up to display cherry red loafers. “It’s impolite to wear hats indoors, so I’ve settled on shoes,” he says. His modest, glorified cubicle is decorated with red hats of every size and type: In addition to the company’s iconic fedoras, there are hard hats, Santa hats, and a Mad Hatter-style top hat.In his new office, he’ll have room for all of this headgear, plus several chairs and a coffee table, because he thinks there’s “something about a low table” that promotes conversation and collegiality. He will be among the last to move to the tower, and he’s looking forward to his new digs, and to downtown.When Whitehurst took the CEO job four years ago, it was up to him where to live, Raleigh or Boston. He rented two temporary apartments: One in North Hills, and one in Boston. He applied to schools for his children in both cities; he looked for houses in both cities. For six months, he tried them both out. The kids, then 7, started wearing Tom Brady New England Patriot jerseys, but then Whitehurst steered them south. “It got to be pretty clear. As the leader of the company I thought it would be better to be here, but my wife had a big say in it as well.”What appealed? “This is a nice place to live, it’s got an incredible number of well-educated people, there’s great arts, incredible college sports. There’s culture, restaurants. It’s green; it’s basically a city in the middle of a park.”It’s also a place he says he wants the company to “give back” to. “I’m an absolute believer that corporate leadership is civic leadership,” he says, “I’ve always been a proponent of the idea that it’s important to give back to the community.”N.C. State can vouch for that. As a tenant on Centennial Campus, Red Hat “has been a great community member,” says Terri Lomax, Vice Chancellor for Research at State. In addition to funding “The Garage,” a place for student entrepreneurs to tinker and develop ideas, the company has collaborated on joint research, donated equipment and space, employed student interns, and participated in joint community service projects, like Stop Hunger Now, Lomax says.Because Red Hat’s customers are global, not local, Whitehurst says, “frankly, we have very few customers here…and therefore our civic activities are truly civic activities. They are not marketing cloaked in civic activity.”The most visible move so far is Red Hat’s $1.175-million, five-year decision to put its name on the city’s 6,000-seat downtown amphitheater. On a recent afternoon, he took a few minutes to examine the materials that will make the venue unmistakably Red Hat: The red fabric that wraps the perimeter fence, polo shirts for workers, the stage scrim, the signs bearing the fedora logo that will flank the stage. “Are there going to be some bands old enough that I will have heard of them?” he asks the marketing staff.Community efforts also focus on promoting entrepreneurship. Whitehurst co-chaired the CED Technology Conference here in September, and sits on the board of the N.C. Chamber of Commerce, where entrepreneurship is his focus.“The concept of networks and clusters is a powerful one,” he says. He speculates aloud about the virtues of an investment fund to spur local tech start-ups. “It’s great that we have some large tech companies here, but so much job growth is coming from small companies. We’ve got to feed that.”In the near term, Whitehurst is focused on innovation. Of all the accolades, top rankings, and awards he and the company have received in recent years, Whitehurst says he is proudest of Red Hat’s being called one of the world’s most innovative companies by Forbes in 2012. Forbes said Red Hat is notable because “the idea of transparency and collaboration infuse the entire business.”“We beat Google,” Whitehurst says, sounding amazed. “In addition to what we’re doing around software, if we can make the world a slightly more innovative place, and help drive this new concept of this new way to organize that leads to greater collaboration, that’s phenomenal.”
How can I maximize my short term and long term ability to earn? How can I save mindlessly and build savings into my everyday behaviors? How can I control my spending habits and maximize the value I get out of my spending? If you google “mastering your personal finances”, you’ll find a vast selection of articles. Unfortunately, many of them have to do with thinking about your long term goals and setting up a budget or financial plan – with which we know a lot of people struggle to stick. So what’s a more practical way to begin?I’d like to re-frame the debate by stating: the key to mastering your personal finances is NOT about budgeting. It’s about having a plan to answer three basic questions: That’s it. If you’ve got a solid answer for the three questions above, then you are well on your way to mastering your personal finances and heading towards financial freedom. **Moven sponsor’s this month’s (free) SPARK event:** Pathways to Financial Freedom Wednesday, May 5 in a SPARK city near you!**[RSVP](https://www.freelancersunion.org/spark/)**If you don’t (don’t feel bad… most of us don’t), then read on and take advantage of these three tips.1. Re-organize the apps on your phoneOrganize the apps on your phone into three categories – “Apps that help me earn,” “Apps that help me spend,” “Apps that help me save.” The simple act of creating these categories and seeing if you can fill them will make you think a lot about your personal finances and what you’re actively doing to take control of them.2. Spend mindfullyThe heart of mastering personal finances and financial freedom is NOT saving. It’s actually much more about becoming a master of your spending.It’s simple: if you spend all (or more than) you earn, you can’t save. So SPENDING should be the overwhelming focus of personal finances. But this doesn’t mean budgeting. In fact, I encourage anyone who’s struggling with spending NOT to leap to setting up a budget as a first step.Instead, map out your spending habits by answering two simple questions – Where do you spend? Are you happy with that? Get in touch with your habits, your daily life and lifestyle rhythms that pretty much drive your spending patterns.By simply becoming conscious of how and on what you spend your money, you’ll begin to prioritize your needs and wants and waste less. I guarantee you, through this simple process you’ll find 20% you can shave off and still be happy… maybe even happier.Apps like Moven are perfect for helping you start this process.3. Save mindlesslyWe’ve been raised to think that people tend to spend mindlessly, so saving is HARD and needs to be very planned and methodical. I DISAGREE.There are lots of methods out there that will help you save mindlessly. One easy one is setting up a simple retirement account and enabling it with monthly “auto-deposit”.Another easy one is micro-savings apps like Digit or Acorns that enable you to automatically contribute to savings with every purchase you make.Set up at least two automatic savings vehicles – one with tax advantages, like retirement or education savings, and another tied to everyday spending.The key to savings is to make it effortless and invisible NOT to be intimidated or psyched out by some over-wrought savings plan.The path to mastering personal finances and heading to financial freedom is not about developing a budget or a financial plan. It’s about finding tools and creating a simple set of habits around earning, spending and saving. The time to start is now.Alex is a recognized thought leader, speaker and one of the leading voices in the financial services industry. In his experience working with banks, he noted they were developing products for profit and not for customers. This inspired him to co-found Moven with the premise of empowering customers with financial wellness via digital and mobile channels.
Beijing: Exhausted Andy Murray battled into a singles quarter-final for the first time in a year on Wednesday — and then immediately grabbed a snooze. The former world number one outlasted fellow Briton Cameron Norrie 7-6 (8/6), 6-7 (4/7), 6-1 over nearly three gruelling hours in hot and hazy Beijing. The 32-year-old, now ranked a lowly 503, will play top seed Dominic Thiem or Chinese wildcard Zhang Zhizhen in the last eight of the China Open on Friday. Also Read – We will push hard for Kabaddi”s inclusion in 2024 Olympics: RijijuOn the mend after a career-saving hip operation in January, Murray looked all in afterwards, and walked gingerly in and out of the post-match press conference. Blowing out his cheeks several times, the three-time Grand Slam champion said he had slept in the 90 minutes between his victory and talking to reporters. “I’m tired, I just had a sleep before coming. I mean, I’m really tired,” he said. To save his creaking body from more punishment, Murray said that he switched tactics in the deciding third set. Also Read – Djokovic to debut against Shapovalov at Shanghai Masters”I decided if I want to win I have to go and take risks and come to the net, try and finish the points quicker, which I did,” he said. Murray defeated US Open semi-finalist Matteo Berrettini on Tuesday for his biggest scalp since his return to singles tennis in mid-August. The hard-fought triumph over 69th-ranked Norrie means he reaches the last eight in singles on the ATP Tour for the first time since Shenzhen in September last year. Murray showed several flashes of irritation as the first set against Norrie went to the tie break, chuntering away in the direction of his coaching team courtside. But he regained his composure and captured the set thanks to an untimely double fault by his compatriot. The 24-year-old Norrie broke Murray’s serve in the sixth game of the second set and Murray was struggling, bending over between points with his hands on his knees to catch his breath. He shook his head as he slumped red-faced in his seat at 5-2 down. He displayed the battling qualities which took him to number one in 2016 to somehow surge back, only to lose the second set on the tie break. But he somehow wrestled back the initiative in the decider, breaking Norrie’s first service game on the way to a trademark gritty victory. Also into the quarter-finals was Russian fourth seed Karen Khachanov, a 7-6 (7/0), 7-6 (7/5) winner over France’s Jeremy Chardy. In the women’s draw, the 2017 US Open finalist Madison Keys was a surprise loser to unseeded fellow American Jennifer Brady. Teenage US Open champion Bianca Andreescu reached the last 16 with a 6-3, 7-6 (7/5) victory over Belgium’s unseeded Elise Mertens.
New Delhi: Railways Minister Piyush Goyal on Friday flagged off New Delhi-Lohian Khas ‘Sarbat Da Bhalla Express’ at New Delhi railway station here. The train previously called the New Delhi-Ludhiana Intercity will ply from Delhi to Lohian Khas in Jalandhar via holy city Sultanpur Lodhi. Present at the flag off ceremony were Union Ministers Harsh Vardhan and Harsimrat Kaur Badal. The request to rename the train was made by Union Food Processing Industries Minister Badal on the occasion of the 550th Parkash Purb celebrations of Guru Nanak Dev. Also Read – Personal life needs to be respected: Cong on reports of Rahul’s visit abroad “Just yesterday, we have added a Vande India train which will take devotees to Maa Vaishno Devi, and today this train will take pilgrims to Sultanpur Lodhi. There can be nothing more pious that the railways connecting places of religious worship,” said Goyal. Badal thanked the railway minister for agreeing to her proposal and said that it was a sentimental issue for the people of Punjab. “‘Sarbat Da Bhala or Blessings for All’ formed the essence of Guru Nanak Dev’s teachings. It will be the most appropriate to rename the train as such,” she said. Also Read – Firms staying closed 10 days a month due to recession, govt doing nothing: Priyanka Gandhi “It is a historic moment for Sikhs. I congratulate Piyush Goyal for accepting my request of renaming the train. In Sultanpur Lodhi, Nanak Ji spent 14 years of his life and taught that all communities are one. No Hindu no Muslim, only Ek Omkar,” the Bathinda MP said. The Health minster Harsh Vardhan said that the train was a gift for Delhiites. “This train will have blessings of Guru Nanak Ji. It is a gift for Delhiites and countrymen. Also, a 6-metre skywalk is being constructed to connect New Delhi station to airport metro and yellow line,” he said. Terming Guru Nanak as a messenger of peace, Goyal said that the joy and celebrations to participate in the 550th anniversary of Guru Nanak on November 12, is unimaginable. “Renaming of this train is an initiative to follow a path shown by Nanak Ji. We all should imbibe his teachings in life,” he added. The train was flagged off from New Delhi Railway Station on Friday at 6.30 am and it would reach Sultanpur Lodhi at 2.38 PM. Badal said that Rs 22 crore was sanctioned by the railway ministry to upgrade Sultanpur Lodhi railway station and to launch 14 new trains so that people from various parts of Punjab can go there as there are seven sacred places. She also thanked Prime Minister Narendra Modi for taking up the Kartarpur Corridor initiative and fulfilling the 70-year-old dream of Sikh community.
Kolkata: As the trend of eating Biryani with friends and family at restaurants during Durga Puja is catching up among the food-loving Bengalis, the restaurants are offering special varieties of the dishWhile the older generation continues to prefer homemade food, the youngsters prefers to go out with friends and dine at restaurants. “For the past 25 years, I have been celebrating Durga Puja by eating at restaurants with my friends and family. I just love eating Biryani and kebabs after pandal-hoping. These are like staple on our platter during Durga Puja days,” said Rakesh Kumar Thar, an advocate and resident of Picnic Garden. Also Read – Bengal family worships Muslim girl as Goddess Durga in Kumari PujaPeople queue at restaurants such as Arsalan, Zeeshan and others around Park Circus during Durga Puja. “There is a huge demand of Biryani and Kebab during Durga Puja days. Scores of people form queues to eat at our restaurants. We have different sections. One section for family and the other section is for youths coming with friends,” said Amanat Hussain of Zeeshan restaurant situated at Syed Amir Ali Avenue in Park Circus. Number of people coming to restaurants such as Arsalan and Zeeshan during Durga Puja has gone up substantially, with the annual rise in number of diners on Durga Puja days going up at 30 per cent annually. Also Read – Bengal civic volunteer dies in road mishap on national highway”Our restaurant is situated at Park Circus seven crossing. Not only Bengalis or Indians but foreigners also come here during Durga Puja. We close our restaurant at 5 am during Durga Puja days,” said Muzammil Haque of Arsalan restaurant. Mohammad Maksood Alam of Ashraf Biryani restaurant at Samsul Huda Road pointed out that he receives bulk order for Biryani a week before Durga Puja. “For pre-booking order, we sell chicken Biryani at Rs 800 per kg,” he said.
New Delhi: With the Board of Control for Cricket in India (BCCI) elections less than 20 days away, the Delhi and District Cricket Association (DDCA) members have written to the Committee of Administrators (CoA) requesting for a re-election at the association in line with the August 9, 2018 order of the Supreme Court. In the mails, accessed by IANS, the members have pointed that the last election that has been taken into account by the CoA was held without taking into account the newly registered constitution of the BCCI and that calls for a fresh election. Also Read – We will push hard for Kabaddi”s inclusion in 2024 Olympics: Rijiju “Please take a note that the last election of DDCA was held well before the Supreme Court Judgment 9th August 2018 and registration of BCCI new constitution. DDCA whole election process was not as per the new constitution of BCCI. It was held under the old constitution of DDCA,” one of the members pointed. Another member pointed at how the election was held in accordance with the rules and regulations of the old constitution and missed on certain major areas that the new constitution points at. Also Read – Djokovic to debut against Shapovalov at Shanghai Masters “The DDCA had no provision of Apex council. There was no provision for representative of men and women cricket association. There was no single director for the apex council. The executive was formed with 16 Directors instead of 9 Directors as mentioned in BCCI new constitution. Cooling off period was also not as per BCCI new constitution which had barred several deserving members from contesting,” the member pointed. One of the members made a request that the CoA calls for fresh election. “Please issue direction to the DDCA to appoint an election officer and hold new full body elections under due process of Supreme Court approved new constitution with immediate effect in Extra Ordinary General Meeting,” the letter read.
About the authorPaul VegasShare the loveHave your say Solskjaer names two Man Utd kids for Cardiff clashby Paul Vegas10 months agoSend to a friendShare the loveManchester United caretaker boss Ole Gunnar Solskjaer has named two teenagers in his squad for the clash with Cardiff City.Solskjaer has included Angel Gomes and James Garner in the travelling Manchester United squad for the Cardiff game.Former United manager Jose Mourinho gave Gomes his United debut at the age of 16 and the England youth international. Garner, 17, played for United on their pre-season tour of the United States and was a substitute in last week’s Champions League defeat to Valencia. The Merseyside midfielder excelled in United’s enthralling 4-3 FA Youth Cup triumph over Chelsea on Monday night, which Solskjaer watched.Confirmed United squad members vs Cardiff:David de Gea, Sergio Romero, Lee Grant, Diogo Dalot, Eric Bailly, Victor Lindelof, Phil Jones, Ashley Young, Luke Shaw, Marouane Fellaini, Nemanja Matic, Ander Herrera, Fred, James Garner, Paul Pogba, Andreas Pereira, Angel Gomes, Juan Mata, Jesse Lingard, Marcus Rashford, Anthony Martial