Tensions are a ubiquitous feature of social life and are manifested in a number of particular forms: contradictory logics, competing demands, clashes of ideas, contradictions, dialectics, irony, paradoxes, and/or dilemmas. This essay aims to explore in detail tensions surrounding seven common findings of the information seeking literature relating to: interpersonal communication, accessibility, level of skill, individual preferences, psychological limits, inertia, and costs. Our incomplete understanding of these tensions can lead us to suggest resolutions that do not recognize their underlying dualities. Human information behavior stands at the intersection of many important theoretical and policy issues (e.g., personalized medicine). Policy makers need to be more attuned to these basic tensions of information seeking recognizing the real human limits they represent to informing the public. So, even if you build a great information system, people will not necessarily use it because of the force of these underlying tensions. While rationality rules systems, irrationality rules people. The proliferation of navigator roles over the last several years is actually a hopeful sign: recognition that people need a human interface to inform them about our ever more complex health care systems.

The purpose of this investigation is to define the central contents and issues of the impact of informing systems on the rise and development of Virtual Civilization. The methodology is based on an interdisciplinary big-picture view of the Virtual Civilization’s elements of development and their interdependency. Among the findings are: Virtual Civilization has infrastructural characteristics, a world-wide unlimited, socially constructed work and leisure space in cyberspace, and it can last centuries/millennia - as long as informing systems are operational. Practical implications: The mission of Virtual Civilization is to control the public policy of real civilizations in order to secure the common good in real societies. Social implication: The quest for the common good by virtual society may limit or even replace representative democracy by direct democracy which, while positively solving some problems, may eventually trigger permanent political chaos in real civilizations. Originality: This investigation, by providing an interdisciplinary and civilizational approach at the big-picture level defined the ethics question of the role of informing systems in the development of Virtual Civilization.

The all-pervasive Internet has created serious problems, such as Internet overuse, which has triggered considerable debate over its relationship with addiction. To further explore its genetic susceptibilities and alternative explanations for Internet overuse, we proposed and evaluated four hypotheses, each based on existing knowledge of the biological bases of addiction, inattention, novelty-seeking, and harm-avoidance. Four genetic loci including DRD4 VNTR, DRD2 Taq1A, COMT Val158Met and 5-HTTLPR length polymorphisms were screened from seventy-three individuals. Our results showed that the DRD4 4R/4R individuals scored significantly higher than the 2R or 7R carriers in Internet Addiction Test (IAT). The 5-HTTLPR short/short males scored significantly higher in IAT than the long variant carriers. Bayesian analysis showed the most compatible hypothesis with the observed genetic results was based on attention (69.8%), whereas hypotheses based harm-avoidance (21.6%), novelty-seeking (7.8%) and addiction (0.9%) received little support. Our study suggests that carriers of alleles (DRD4 2R and 7R, 5-HTTLPR long) associated with inattentiveness are more likely to experience disrupted patterns and reduced durations of Internet use, protecting them from Internet overuse. Furthermore, our study suggests that Internet overuse should be categorized differently from addiction due to the lack of shared genetic contributions.

Aim/Purpose: The objective of this paper is to review the vast literature of user-centric in-formation science and inform about the emerging themes in information behaviour science. Background: The paradigmatic shift from system-centric to user-centric approach facilitates research on the cognitive and individual information processing. Various information behaviour theories/models emerged. Methodology: Recent information behaviour theories and models are presented. Features, strengths and weaknesses of the models are discussed through the analysis of the information behaviour literature. Contribution: This paper sheds light onto the weaknesses in earlier information behaviour models and stresses (and advocates) the need for research on social information behaviour. Findings: Prominent information behaviour models deal with individual information behaviour. People live in a social world and sort out most of their daily or work problems in groups. However, only seven papers discuss social information behaviour (Scopus search). Recommendations for Practitioners : ICT tools used for inter-organisational sharing should be redesigned for effective information-sharing during disaster/emergency times. Recommendation for Researchers: There are scarce sources on social side of the information behaviour, however, most of the work tasks are carried out in groups/teams. Impact on Society: In dynamic work contexts like disaster management and health care settings, collaborative information-sharing may result in decreasing the losses. Future Research: A fieldwork will be conducted in disaster management context investigating the inter-organisational information-sharing.

Aim/Purpose: This paper describes an empirical examination of how users’ willingness to disclose personal data is influenced by the amount of information provided on landing pages – standalone web pages created explicitly for marketing or advertising campaigns. Background: Provision of information is a central construct in the IS discipline. Content is a term commonly used to describe the information made available by a website or other electronic medium. A pertinent debate among scholars and practitioners relate to the behavioral impact of content volume: Specifically, does a greater amount of information elicit engagement and compliance, or the other way around? Methodology: A series of large-scale web experiments (n= 535 and n= 27,900) were conducted employing a between-subjects design and A/B testing. Two variants of landing pages, long and short, were created based on relevant behavioral theories. Both variants included an identical form to collect users’ information, but different amounts of provided content. User traffic was generated using Google AdWords and randomized between the page using Unbounce.com. Relevant usage metrics, such as response rate (called “conversion rate”), location, and visit time were recorded. Contribution: This research contributes to the body of knowledge on information provision and its effectiveness and carries practical and theoretical implications to practitioners and scholars in Information Systems, Informing Science, Communications, Digital Marketing, and related fields. Findings: Analyses of results show that the shorter landing pages had significantly higher conversion rates across all locations and times. Findings demonstrate a negative correlation between the content amount and consumer behavior, suggesting that users who had less information were more inclined to provide their data. Recommendations for Practitioners: At a practical level, results can empirically support business practices, design considerations, and content strategy by informing practitioners on the role of content in online commerce. Recommendation for Researchers: Findings suggest that the amount of content plays a significant role in online decision making and effective informing. They also contradict prior research on trust, persuasion, and security. This study advances research on the paradoxical relationship between the increased level of information and online decision-making and indicates that contrary to earlier work, not all persuasion theories‎ are ‎effective online. Impact on Society: Understanding how information drives behavior has implications in many domains (civic engagement, health, education, and more). This has relevance to system design and public communication in both online and offline contexts. Future Research: Using this research as a starting point, future research can examine the impact of content in other contexts, as well as other behavioral drivers (such as demographic data). This can lead to theoretical, methodological, and practical recommendations.

Aim/Purpose: There is ample evidence that team processes matter more than the characteristics of individual team members; unfortunately, very few empirical studies have examined communication process variables closely or tied them to team outcomes. Background: The University of Miami Laboratory for Integrated Knowledge (U-LINK) is a pilot funding mechanism that was developed and implemented based on empirically-established best practices established in the literature on the Science of Team Science (SciTS). In addition to addressing grand societal challenges, teams engaged in processes designed to enhance the process of “teaming”. This study uses the Inputs-Mediator-Outputs-Inputs (IMOI) model as a blueprint for an investigation into how team communication processes (shared communication, shared leadership, formal meetings, informal meetings) influence intermediary team processes (goal clarity, role ambiguity, process clarity, trust) and team outcomes (team satisfaction, team productivity). Methodology: Monte Carlo methodologies were used to explore both longitudinal self-report (survey of communication and team outcome variables) data and objective data on scholarly productivity, collected from seventy-eight members of eleven real-world intact interdisciplinary teams to explore how team communication processes affect team outcomes. Contribution: This study is among the few that centers communication practice and processes in the operationalization and measurement of its constructs and which provides a test of hypotheses centered on key questions identified in the literature. Findings: Communication practices are important to team processes and outcomes. Shared communication and informal meetings were associated with increased team satisfaction and increased research productivity. Shared leadership was associated with increased research productivity, as well as improved process and goal clarity. Formal meetings were associated with increased goal clarity and decreased role ambiguity. Recommendation for Researchers: Studying intact interdisciplinary research teams requires innovative methods and clear specification of variables. Challenges associated with access to limited numbers of teams should not preclude engaging in research as each study contributes to our larger body of knowledge of the factors that influence the success of interdisciplinary research teams. Future Research: Future research should examine different team formation and funding mechanisms and extend observation and data collection for longer periods of time.

Aim/Purpose: The aim of this paper is to examine Gen Z students located in a representative region of the United States when it comes to technology use, news and information gathering behaviors, civic engagement, and social concerns and whether differences exist based on institutional type. The purpose is to report this information so that academics can better understand the behaviors, priorities, and interests of current American students. Background: This paper investigates the mindset of Generation Z students living in the United States during a period of heightened civic unrest. Through the lens of the Theory of Generations, Uses and Gratifications Theory, and Intersectional Theory, this study aims to examine the Gen Z group and compare findings across populations. Methodology: An electronic survey was administered to students from 2019 through 2022. The survey included a combination of multiple responses, Likert scaled, dichotomous, open-ended, and ordinal questions. It was developed in the Survey Monkey system and reviewed by content and methodological experts to examine bias, vagueness, or potential semantic problems. The survey was pilot-tested in 2018 before implementation in order to explore the efficacy of the research methodology. It was then modified accordingly before widespread distribution to potential participants. The surveys were administered to students enrolled in classes taught by the authors, all of whom are educators. Participation was voluntary, optional, and anonymous. Contribution: This paper provides insight into the mindset of Generation Z students living in the United States, which is helpful to members of academia who should be informed about the current generation of students in higher education. Studying Generation Z helps us understand the future and can provide insight into the shifting needs and expectations of society. Findings: According to the findings, Gen Z are heavy users of digital technologies who use social media as their primary source for gathering news about current events as well as information for schoolwork. The majority of respondents considered themselves to be social activists. When institutional type was considered, there were notable differences with the students at the Historically Black College or University (HBCU), noting the greatest concern with a number of pressing issues, including racial justice/Black Lives Matter, women’s rights, gun violence, immigration reform, and human trafficking. Less significance across groups was found when LGBTQIA+ rights and climate change were considered. Recommendation for Researchers: As social media continues to proliferate in daily life and become a vital means of news and information gathering, additional studies such as the one presented here are needed. In other countries facing similarly turbulent times, measuring student interest, awareness, and engagement is highly informative. Future Research: Future research will explore the role that influencers have in opinion formation and the information-gathering habits of Gen Z.

Labor pain and its relieving methods is one of the anxieties of mothers having a great impact on the quality of care during delivery as well as the patients' satisfaction. The propensity of using non-medicinal pain relief methods is increasing. The present study aimed to compare the effect of Acupressure at two GB-21 and SP06 points on the severity of labor pain. In this quasi-experimental single blind study started on December 2010 and ended on June 2011 in which 150 primiparous women were divided into three groups of Acupressure at GB-21 point, Acupressure at SP-6 point and control group. The intervention was carried out for 20 min at 3-4 and 20 min at 7-8 cm dilatation of Cervix. The pain severity was measured by Visual Analog Scale before and immediately, 30 and 60 min after the intervention. Then, the data were statistically analyzed. No significant difference was found among the 3 groups regarding the pain severity before the intervention. However, the pain severity it was reduced at 3-4 and 7-8 cm dilatation immediately, 30 and 60 min after the intervention in the two intervention groups compared to the control group (p<0.001). Nonetheless, no statistically significant difference was observed between the two intervention groups (p = 0.93). The results of the study showed that application of Acupressure at two GB-21 and SP-6 points was effective in the reduction of the severity of labor pain. Therefore, further studies are recommended to be performed on the application of Acupressure together with non-medicinal methods.

This paper studies a dual-channel supply chain consisting of one risk-averse manufacturer and one risk-averse retailer with stochastic demand. Herein, the manufacturer provides value-added services to enhance channel demand. First, the optimal pricing and service decisions of the channel members are investigated under different settings, i.e., the cooperative game, Bertrand game, and manufacturer Stackelberg (MS) game models. Second, the effects of channel members' risk aversion on optimal channel prices and expected utilities are analysed under the assumption that the manufacturer service is a decision variable and an exogenous variable, respectively. Third, sensitivity analysis and numerical simulation are performed to verify our propositions consistently and seek more managerial implications. The findings suggest that the manufacturer's value-added services in their direct channel will improve the direct price while decreasing the retail price. Consumers' channel loyalty degree has a great influence on the optimal price decisions and the performance of the channel members. The direct price increases while the retail price decreases in the manufacturer's value-added services. The retailer's risk aversion has a greater influence on price decisions than that of the manufacturer.

Shuoyan LIU,Chao LI,Yuxin LIU,Yanqiu WANG, Vol.E107-D, No.11, pp.1468-1471
Escalators are an indispensable facility in public places. While they can provide convenience to people, abnormal accidents can lead to serious consequences. Yolo is a function that detects human behavior in real time. However, the model exhibits low accuracy and a high miss rate for small targets. To this end, this paper proposes the Small Target High Performance YOLO (SH-YOLO) model to detect abnormal behavior in escalators. The SH-YOLO model first enhances the backbone network through attention mechanisms. Subsequently, a small target detection layer is incorporated in order to enhance detection of key points for small objects. Finally, the conv and the SPPF are replaced with a Region Dynamic Perception Depth Separable Conv (DR-DP-Conv) and Atrous Spatial Pyramid Pooling (ASPP), respectively. The experimental results demonstrate that the proposed model is capable of accurately and robustly detecting anomalies in the real-world escalator scene.
Publication Date: 2024/11/01

Research growth in organisational behaviour research, has increased the importance of paying attention to anti-citizenship behaviours. The current research with the aim of quantitative combination, has examined the results of research in effect of underlying factors of organisational anti-citizenship behaviours using meta-analysis method and CMA2 software and 55 articles during the time period of 2000-2020. The results showed a positive significant link between underlying factors of organisational anti-citizenship behaviours and occurrence of these behaviours and this influence was 0.389, 0.338, 0514 and 0.498 (structural, organisational, managerial, employment and professional and socio-economic and cultural factors). The level of connection found relating to each four occurrences is '68 links, 49 links, 93 links and 71 links'. Findings indicate that minute attention has been paid to organisational anti-citizenship behaviours, especially to job and professional factors in research works. Research should be conducted to control and manage these behaviours more purposefully in organisations.

Background and Objective: In response to the challenges of poor mapping outcomes and susceptibility to obstacles encountered by indoor mobile vehicles relying solely on pure cameras or pure LiDAR during their movements, this paper proposes an obstacle avoidance method for indoor mobile vehicles that integrates image and LiDAR data, thus achieving obstacle avoidance for mobile vehicles. Materials and Methods: This method combines data from a depth camera and LiDAR, employing the Gmapping SLAM algorithm for environmental mapping, along with the A* algorithm and TEB algorithm for local path planning. In addition, this approach incorporates gesture functionality, which can be used to control the vehicle in certain special scenarios where “pseudo-obstacles” exist. The method utilizes the YOLO V3 algorithm for gesture recognition. Results: This paper merges the maps generated by the depth camera and LiDAR, resulting in a three-dimensional map that is more enriched and better aligned with real-world conditions. Combined with the A* algorithm and TEB algorithm, an optimal route is planned, enabling the mobile vehicles to effectively obtain obstacle information and thus achieve obstacle avoidance. Additionally, the introduced gesture recognition feature, which has been validated, also effectively controls the forward and backward movements of the mobile vehicles, facilitating obstacle avoidance. Conclusion: The experimental platform for the mobile vehicles, which integrates depth camera and LiDAR, built in this study has been validated for real-time obstacle avoidance through path planning in indoor environments. The introduced gesture recognition also effectively enables obstacle avoidance for the mobile vehicles.

Firms play a crucial role in furthering social welfare through their ability to foster stakeholders' contributions to joint value creation, i.e., value creation that involves a public-good dilemma due to high task and outcome interdependence - leading to what economists have labeled the 'team production problem'. We build on relational models theory to examine how individual stakeholders' contributions to joint value creation are shaped by stakeholders' mental representations of their relationships with the other participants in value creation, and how these mental representations are affected by the perceived behavior of the firm. Stakeholder theory typically contrasts a broadly-defined 'relational' approach to stakeholder management with a 'transactional' approach based on the price mechanism - and has argued that the former is more likely to contribute to social welfare than the latter. Our theory supports this prediction for joint value creation, but also implies that the dichotomy on which it is based is too coarse-grained: there are three distinct ways to trigger higher contributions to joint value creation than through a 'transactional' approach. Our theory also helps explain the tendency for firms and their stakeholders to converge on 'transactional' relationships, despite their relative inefficiency in the context of joint value creation.

Most research on creativity describes it as a net positive: producing new products for the organization and satisfaction and positive affect for creative workers. However, a host of anecdotal and historical evidence suggests that creative work can have deleterious consequences for relationships. This raises the question: how does creativity at work impact relationships at home? Relying on work-family conflict and resource allocation theory as conceptual frameworks, we test a model of creative behaviors during the day at work and the extent to which employees spend time with their spouses at home in the evening, using 685 daily matched responses from 108 worker-spouse pairings. Our results reveal that variance-focused creative behaviors (problem identification, information searching, idea generation) lead to a decline in time spent with spouse at home. In contrast, selection-focused creative behaviors (idea validation) lead to an increase in time spent with spouse. Further, openness to experience moderates these relationships. Overall, the results raise questions about the possible relational costs of creative behaviors at work on life at home.

Book Review

The number of constructs developed to assess workplace aggression has flourished in recent years, leading to confusion over what meaningful differences exist (if any) between the constructs. We argue that one way to frame the field of workplace aggression is via approach/avoidance principles, with various workplace aggression constructs (e.g., abusive supervision, supervisor undermining, and workplace ostracism) differentially predicting specific approach or avoidance emotions and behaviors. Using two multi-wave field sample of employees, we demonstrate the utility of approach/avoidance principles in conceptualizing workplace aggression constructs, as well as the processes and boundary conditions through which they uniquely influence outcomes. Implications for the workplace aggression literature are discussed.

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For advocates of universal gun rights, this debate represents a fundamental question about the nature of the Second Amendment: is it an American right or a human right?

So, any thought of disobeying them must be destroyed – along with anyone daring to spread the idea that the oath is to the Constitution, not to a regime and its unlawful orders.

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THE term “trial by media” gained popularity in the late 20th and early 21st centuries.
It refers to the impact of television and newspaper coverage on an individual’s reputation, often shaping public perceptions of guilt or innocence before a court has rendered its verdict.

Trial by media creates a reality shaped more by perception than by objective truth, where opinions are formed before verified information can be fully assessed.

The delicate balance between sense and sensationalism, news and noise, civility and chaos, and balance and extremism can also become increasingly distorted.

The Ulu Tiram and GISBH cases have driven the media into a frenzy as both are considered matters of public interest. From broad overviews to minute details, nothing has been spared in the reporting.

Public comments reflect feelings of anger, resentment, frustration and disappointment toward the accused
or state institutions. Even the names of witnesses are often anticipated, jeopardising the confidentiality of the case.

A lackadaisical attitude in handling high-profile cases can ultimately lead to witnesses becoming hostile or biased.

The current situation illustrates how trial by media can create its own narrative, potentially undermining fair judicial proceedings and damaging the reputations of those involved.

It can also contaminate and influence witnesses’ memories, stances and views. Even if an accused individual is acquitted, the public may still perceive the person as guilty, leaving the individual’s reputation tarnished despite a verdict of innocence.

While the creation of social media has given us an extensive space to express our opinions, the lack of policing and regulations has allowed the widespread of rumours and prophecies in court cases.

The news disseminated through mainstream and social media can create multiple ideas, often leading to the presumption of guilt or innocence for the accused before the trial even begins. This is the exact definition of trial by media.

The principle of sub judice (under judicial consideration), though relevant, appears to be overlooked in the public discourse surrounding ongoing trials. The rule on sub judice seeks to safeguard the sanctity of court proceedings and ensure a fair trial for the accused in criminal cases.

Therefore, it would be apt for lawyers, prosecutors and the judiciary to take cognisance of the current situation and devise certain measures to ensure the impartiality of witnesses, and to avoid any spillage or contamination of evidence.

Expert witnesses, if appointed under section 45(1) of the Evidence Act, should not only be someone who is qualified in “science or art” but have a track record of being impartial and have not or will not mislead the court.

Impartiality here refers to individuals who abide by the law and do not have a track record of promoting repealed laws or overruled cases.

Although the court has the discretion to decide whether the expert evidence
is admissible, it is imperative for
experts to be scrutinised by the courts before accepting their views and opinions. In any event, it is trite law that expert opinion is not binding upon the court.

While the media shapes public debate and highlights cases of public interest, the unparalleled capacity of social media also offers lawyers an opportunity to volunteer and represent offenders who are in dire need of representation. Beyond concerns about legal fees, this is about striving to uphold justice. Some cases are simply meant to be pro bono.

With the proliferation of information available through mainstream and
social media platforms, lawyers and prosecutors should seize the opportunity to scour important details from these channels.

Unfortunately, very few lawyers have taken the bold step to assist those in desperate need of legal representation.

With the National Legal Aid Foundation unable to represent detainees under the Security Offences (Special Measures) Act 2012 during their trials and its potential dissolution, what would become of the poor and marginalised groups in need of legal representation?

Where are the pro bono lawyers
who are expected to uphold justice
and ensure the right to a fair
trial as enshrined in the Federal Constitution?

Legal advocates would do well to remember Martin Luther King Jr’s quote: “Injustice anywhere is a threat to justice everywhere.”

While no one can deny the media’s sterling role as the keeper of conscience and unraveller of wrongdoings, it is equally undeniable that the media has been able to entice vast reporting and responses from the public.

Therefore, it is essential to establish clear rules and regulations to safeguard individuals’ right to a fair trial, as stipulated in the Federal Constitution. Ultimately, what we seek is justice for all.

The writer is a criminologist and the deputy dean (Higher Degree) of
Faculty of Law, Universiti Malaya.
Comments: letters@thesundaily.com

SINGAPORE: Royal Malaysian Navy (RMN) chief Admiral Datuk Zulhelmy Ithnain called on Singapore Defence Minister Dr Ng Eng Hen on Wednesday as part of his three-day introductory visit to the island republic.

The Singapore Defence Ministry (Mindef) said during the meeting at Mindef, both leaders reaffirmed the importance of maintaining strong ties between the navies of the two countries and discussed regional security developments.

“Zulhelmy’s visit underscores the warm and long-standing bilateral defence relations between Singapore and Malaysia,” Mindef said in a statement.

The Malaysian navy chief also called on the Republic of Singapore Navy (RSN) chief Rear-Admiral Sean Wat where they discussed opportunities to strengthen the relationship between the two navies.

Meanwhile, Zulhelmy will visit RSS Singapura – Changi Naval Base on Thursday as part of his programme here.

He will also visit the Information Fusion Centre, a regional Maritime Security centre situated at the Changi Command and Control Centre (CC2C), which is hosted by the RSN.

Zulhelmy, together with Wat, will also attend the opening ceremony of Exercise Malapura 2024 to commemorate the 40th anniversary of the flagship bilateral exercise between the RSN and RMN.

Exercise Malapura 2024 will be conducted from Nov 13 to 24.

The RSN and RMN interact regularly through bilateral exercises, visits and professional exchanges.

Beyond collaborative efforts to safeguard regional maritime security through the Malacca Straits Patrol, the two navies also engage through exercises held under multilateral platforms such as the Five Power Defence Arrangements, the ASEAN Defence Ministers’ Meeting (ADMM), and the ADMM-Plus.

Mindef said these interactions have enhanced the mutual understanding and professional ties between the two navies.

Opinion piece: submitted by SAP Concur For the past few months, most companies have focused their energy on how to adapt to a remote work environment and keep the business moving forward. But, what happens when shelter-in-place restrictions are eased...

SAIC MOTOR MALAYSIA recently celebrated a major milestone for the MG5 sedan at the MG5 Car Delivery Event at MG Motor Glenmarie (Mega Galeri Sdn Bhd), where over 20 new owners gathered to receive their cars. The event, attended by SAIC Motor Malaysia’s management, fostered a strong community atmosphere, uniting MG fans and showcasing the brand’s commitment to its customers.

The success of the MG5 is largely due to efficient coordination among 18 strategically placed MG Motor Authorized Dealerships, allowing prompt vehicle deliveries across Malaysia. This dealer network is key to SAIC Motor Malaysia’s mission to meet the demands of Malaysia’s style-conscious market.

Lee Wen Hsiang, Chief Operating Officer of SAIC Motor Malaysia, noted, “The MG5 has truly resonated with a segment of buyers who prioritise style and individuality. We’re thrilled to celebrate this milestone alongside our customers.” He highlighted that these events strengthen connections with customers, offering valuable feedback that helps improve service and build a vibrant MG community.

The MG5 stands out as the largest sedan in its class, with a sporty design, spacious interior, and impressive warranties. Owners enjoy a 5-year Unlimited Mileage Warranty and a best-in-segment 7-year Unlimited Mileage Powertrain Warranty. Celebrating MG’s 100th anniversary, SAIC is also offering an RM7,000 introductory rebate, bringing the price to RM86,900, making it an attractive option for new buyers.

How does this compare to using the "site:No" syntax to force Google to only return result from .No domains. https://www.google.co.uk/search?num=100&ei=oLL1WeX8NYPtaKS9k4AP&btnG=Search&q=site%3Ano+brexit

Member savings collections of the Home Development Mutual Fund, commonly known as Pag-IBIG, reached almost P100 billion as of the third quarter, allowing the agency to finance the higher demand for home loans.

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Veterans Day - Land of the Free Because of the Brave

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Vehicle prices have been causing sticker shock for the past couple of years, but money expert Clark Howard says used cars have normalized recently. A recent report from vehicle research site iSeeCars indicates that shoppers are still throwing their dollars toward older used cars as the price of new cars remains stubbornly expensive. Here are […]

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The average price for a new vehicle rose over the past month, but the increase was only negligible, according to the latest sales figures from car valuation site Kelley Blue Book (KBB). How Much Does a New Car Cost Right Now? The average price for a new vehicle was $48,397 in September 2024 — 0.4% […]

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If you’ve sent kids to college, you’ve probably heard of FAFSA (Free Application for Federal Student Aid). FAFSA offers federal government aid via loans, grants and work-study options. It determines how much financial aid your children will get for college based on your family’s income and assets. As a parent, that includes your income, investment […]

The post How Do I Avoid the Money in My Bank Disqualifying My Children From Financial Aid for College? appeared first on Clark Howard.

Deed theft happens when someone steals your home’s title and takes action — or tries to take action — against your property for financial gain. Also called home title theft, this crime isn’t new. But it’s gained more attention as high profile properties, including Elvis Presley’s Graceland, have been targeted. The good news is there […]

The post 4 Signs You’re a Victim of Deed Theft (and How To Avoid It) appeared first on Clark Howard.

Wondering how to travel cheap? Money expert Clark Howard has a lot of experience and advice to share when it comes to answering this question!

The post Follow Clark Howard’s #1 Rule To Travel Cheap appeared first on Clark Howard.

You don’t have to be a nerd or “techie” to want to keep up with the latest and greatest gadgets in the marketplace today. One thing you do have to do, though, is know how to look for the best deals on electronics. With a little strategy, you can buy the latest smartphones, smart TVs […]

The post How To Save Money on Electronics appeared first on Clark Howard.

The best online banks charge you fewer fees and pay you more interest. If you don’t mind doing your banking digitally rather than in person, they’re an excellent option. In this article, I’ll explain the factors you should consider when comparing online banks. I’ll also list some of the online banks I recommend and tell […]

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