Join “1.5ºC Survive and Thrive” campaign to win fully funded fellowship to COP23 climate negotiations

Between the 10th of April and the 19th of May you have to write two articles about two specific topics we will give you. Then you have to publish them in media in your country or region. It can be a newspaper, a magazine, an online news site, etc. Once an article is published, you have to submit the link to us through our app: http://app.climatetracker.org

Climate Tracker will revise the articles submitted through the app, give you feedback and tips, and select the best writers, who will win the different prizes mentioned.

The two topics are the following:
  • First publishing time (10th-28th April): Explain why is important for your country to stay below the 1.5ºC limit with concrete impacts
  • Second publishing time (1st-19th May): Explain the solutions that your government needs to enforce (NDCs, national policy…) and why taking action is beneficial
More info at http://climatetracker.org/1-5oc-survive-thrive

Moving Walls 24: Exhibition & Grant

Eligibility Criteria
  • We are seeking photographers and artists who bring expertise and new insight to an issue; who demonstrate a high level of artistic ability or excellence; and who have the skills, track record, and capacity to realize the proposed grant project.
  • Applicants must demonstrate an ongoing commitment to visual activism or resistance through their past and ongoing work, and must have worked on at least 2 projects related to these themes.
  • Projects considered for exhibition may be part of a larger, ongoing body of work, but the Moving Walls exhibit will be curated from work that already exists (funds will not be provided to shoot new work specifically for the exhibition).
  • Projects considered for the grant may be part of a larger, ongoing body of work, or may be a new body of work related to the broader themes of the exhibit. 
More info at https://www.opensocietyfoundations.org/grants/moving-walls

Applications must be submitted through online application form by Friday, April 14, 2017,

UN Development Group (UNDG) Data Visualization Contest

The United Nations Development Group (UNDG) Data Visualization Contest, sponsored by Tableau, is offering the opportunity for data scientists to showcase their skills by analysing and visualizing data from the new UNDG Transparency Portal.

More info at https://undg.org/undg-data-visualization-contest

Deadline to submit visualization is April 30, 2017.

UN Fellowship Programme for People of African Descent

The Fellowship Programme for People of African Descent provides the participants with an intensive learning opportunity to deepen their understanding of the United Nations human rights system, instruments and mechanisms, with a focus on issues of particular relevance to people of African descent. The Fellowship Programme will allow the participants to better contribute to the protection and promotion of civil, political, economic, social and cultural rights of people of African descent in their respective countries.

Who can apply?
  • The candidate must be an individual of African descent living in the Diaspora. · The candidate must have a minimum of 4 years of work experience related to the rights of People of African Descent.
  • The candidate needs to have sufficient command of the English language to be able to participate fully in the programme.
  • The candidate has to submit a letter from an organization working on issues related to People of African Descent or minority rights certifying their status.
  • The candidates must be available to attend the full duration of the programme. The selected fellows will be expected to participate in different activities and to strictly follow the programme.
More info at http://www.un.org/en/events/africandescentdecade/fellowship.shtml

Deadline for Applications: 31 May 2017

Italian government Scholarships for foreign and IRE students

Pursuant to the provisions of Law 288/55 and subsequent changes and additions and with a view to implementing bilateral cultural agreements and the related Executive Programs, as well as multilateral agreements, intergovernmental Agreements and specific Conventions for supporting Special Internationalization Projects with Universities, Research Institutes and Higher Artistic Training Centres in Italy, the Ministry for Foreign Affairs and International Cooperation awards scholarships for studying in Italy both to foreign citizens and to Italian citizens living abroad (IRE) for the Academic Year 2017-2018. The aim of these scholarships is to foster international cultural cooperation, spread the knowledge of the Italian language, culture and science, as well as promote the Italian economic and technological system throughout the world.

Before applying, please read carefully the Call and check “Universitaly” which contains all necessary information on Italian universities, as well as the website http://www.studiare-in-italia.it/studentistranieri/.

Scholarships are offered to carry out study, training and research projects in Italian Higher Education Institutes (State-owned institutions or institutions legally recognized by the relevant State authorities).

Courses for which it is possible to apply for a scholarship:
  • Second-level University courses (five-year degree/Master of Science) (Laurea specialistica/Laurea Magistrale 2° ciclo)
  • Master’s Degree courses (First and Second Level)
  • Ph.D Courses
  • Specialisation Schools
  • Research under academic supervision
  • Courses of Higher Education in Arts, Music and Dance (AFAM); Scuola Internazionale di Liuteria di Cremona; Scuola di Alta Formazione e Studio (SAF) of the Istituto Superiore per la Conservazione ed il Restauro (ISCR); Scuola Nazionale di Cinema
  • Courses of Italian language and culture
  • Training/refresher courses for Teachers of Italian language
All Online applications must be submitted by midnight (Italian time) on May 10, 2017.

Source: www.esteri.it

Here are 10 smart things that retirement-savvy people do differently

Note: This article was cross-posted "as is" from "financial guru", Dave Ramsey's website

(image source: tradingacademy.com, accessed by wavuti.com 04/04/2017)

Do you know people who are retiring with a healthy nest egg? Do you want to know how they did it?

First off, they’re probably not financial wizards who hold secret formulas to retiring well. They don’t watch the stock market every minute of every day or maintain complex portfolios.

On the contrary. Retirement-ready people are usually average, hard-working folks who’ve made consistent contributions to their saving plans over the years. They’re responsible spenders and intentional savers. And they’ve also used the help of a qualified professional along the way.

So what does that look like in everyday life? What are the real secrets to saving for retirement successfully? Let’slook at some real-life habits and characteristics of investors who are winning with their retirement and see how they can work for you too:
  1. They use their biggest wealth-building tool to their financial advantage. Smart investors take advantage of their biggest wealth-building tool: their income. No matter how large or how small their household income is, every dollar has a purpose. They also understand that living debt-free gives them the freedom to do more with their money—like plan for the future.
  2. They watch small expenses. Retirement-savvy people stick to their monthly budget. They are conscious of how much they spend on groceries, dinners out and new clothes. If they run out of coffee money before payday, they drive past the coffee shop to avoid overspending—even if it’s just a couple of bucks at stake. They know the small, everyday choices make the biggest difference in the long run.
  3. They invest 15% of their household income. After they stash away $1,000 for emergencies and save three to six months of expenses, smart investors allocate 15% of their household income to retirement. By investing 15% of their income, they’re able to make real progress toward a secure retirement while still working toward other financial goals like saving for their kids’ college and paying off their mortgage.
  4. They don’t fund-hop. Informed savers don’t play checkers with their investments. They don’t jump from one investment to another in reaction to or anticipation of stock market changes. They understand that mutual funds with a solid history of growth are historically a great investment choice to stick with for the long haul.
  5. They meet regularly with an investing professional. Wise investors know that a qualified professional is worth their weight in gold. In fact, a Ramsey Research report revealed that those who work with a pro are more likely to have a six-figure nest egg: 44% of investors who use a professional have $100,000 or more saved for retirement versus just 9% of those who go it alone.
  6. They have a plan, and they update it as needed. People who are good with investing know where their money is going and how much it’s growing. They keep tabs on their investments through annual check-ins with an investing professional. They also meet with their pro after big life changes like a new baby, job transition or family move to review the potential impact to their savings plans.
  7. If they’re married, they work as a team. Couples who are winning with investments are on the same page when it comes to money. They work as a team and win as a team, deciding together on their money goals and how they’ll reach them. Many financially successful couples aren’t just focused on getting ahead; they’re also fueled by mutual desire to be generous.
  8. They don’t borrow from their 401(k) plans. This is a biggie. Borrowing from your 401(k) account might seem like a great way to come up with some cash for an unexpected expense. But successful long-term investors know a 401(k) loan comes with risks like potential taxes and penalties if you can’t repay the debt. Even worse, the loss of long-term compound growth on the money you borrow could add up to thousands. Smart investors make sure they have a solid emergency fund in place to take care of unexpected expenses, so they can leave their retirement savings to grow over time.
  9. They buy long-term care insurance. Investors with a healthy nest egg understand the importance of purchasing long-term care insurance. A long-term illness could cost a family hundreds of thousands of dollars in medical expenses, especially if care requires a lengthy stay an assisted-living or skilled nursing-care facility. Long-term care insurance will help cover those expenses so you don’t end up spending your retirement savings for long-term care. 
  10. They live below their means. You won’t find savvy investors spending more money than they make. They buy modest houses and pay cash for vehicles and vacations. This leaves enough money to stash away for retirement. They don’t need the latest and greatest gadgets because they don’t care about keeping up with the Joneses. They are content with what they have, which helps keep their priorities in check.
Winning means planning. But it doesn’t mean stress.

Retirement-savvy folks are just normal people whose only formula for success includes good ol’ determination, financial discipline and wise direction from a professional. They understand that retiring well doesn’t need to be complicated.

Are you ready to get started and want some guidance from a qualified investing professional? Contact a SmartVestor Pro in your area to get a plan in place!

10 Things Retirement-Savvy People Do Differently

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