The Top Money Worries Facing Americans in 2013

first_imgMy birthday is on Halloween, so every year I get super excited. I plan what my costume will be, decide how I want to celebrate and text all my friends to let them know. Last year, I was finally able… Full Story,Technology has transformed the way we dine out in groups. Gone are the days when friends take turns treating each other to nights on the town. Now that apps make money accessible everywhere, tabs are paid down to the cent… Full Story,Occupation: Copywriter Industry: Digital Marketing Age: 29 Location: Indianapolis, IN Paycheck (BiWeekly): $2,100/mo after HSA and 401(k) removed Monthly Expenses: Rent: $462.50 Car lease: $300 Insurances: $85 All other expenses Utilities: $200/mo Pet supplies: $30/mo Phone: $50/mo Streaming services: $15/mo… Full Story,Occupation: Digital advertising Age: 30 Location: San Francisco Bay Area Income: $5,200 month net post 401K, health insurance / HSA, and taxes Total Debt: $0 Monthly Expenses: Rent and utilities: $1,800 Auto: $275 including car insurance Internet/mobile: $120 10:00 am:… Full Story,The holidays are time for family. Here are some fun ideas from our friends at Quotacy on how to make the most of this holiday season with your loved ones, with a bit of humor. ?   With the rise… Full Story,Occupation: Social Media Manager Industry: Digital Marketing Age: 26 Location: Indianapolis, IN Paycheck: $2,500/month after health/vision insurance deductions Monthly Expenses Rent: $700 Car Insurance: $65 Renters Insurance: $16 Utilities: $75 (Internet, Electric, Gas) Dental Insurance (not through work): $15 Hulu:… Full Story,On November 30th, The Financial Diet is kicking off their nationwide book tour for The Financial Diet: A Total Beginner’s Guide To Getting Good With Money in New York.  Join us when the tour hits your city and don’t forget… Full Story,Occupation: Data Analyst Industry: Digital Marketing Age: 31 Location: Menlo Park, CA Paycheck (BiWeekly): $1,700 after auto-savings, 401k, ESPP purchase, renters & auto insurance and health care removed I have everything removed automatically as I have trouble with in-the-moment spending…. Full Story,Occupation: Account Services & Freelance Writer Industry: Digital Marketing Age: 39 Location: Longmont, CO Paycheck (3): $4,700/mo includes salary and three freelance clients (side hustles) Monthly Expenses Rent: $900 Car loan: $275 Credit card payment: $450 All other expenses… Full Story,If you’re still in college or a recent grad working with a limited budget, the idea of implementing a healthy lifestyle can seem overwhelming and very expensive. If you aren’t careful, you might find yourself shelling out lots of cash… Full Storylast_img read more

5 Ways to Turn Climate Adaptation Commitments into Action

first_imgFive components work together to bridge the implementation gap.Policy Frameworks or political commitments, mandates, laws and legislation made by the government to mainstream climate considerations into national development plans or sectoral plans.Leadership or initiatives introduced and supported by political leaders, influential ministries and other non-state actors to drive mainstreaming efforts.Information and Tools for mainstreaming climate change, including learning initiatives, training or access to knowledge and expertise.Coordination Mechanisms, such as inter-ministerial steering committees or task forces, designed to support mainstreaming efforts across policy levels and sectors and facilitate public–private coordination.Supportive financial processes, such as expenditure tracking initiatives, budget-tagging efforts, and special funds, set up by government to support mainstreaming efforts.Putting the Gears in ActionWRI identified several recent examples of successful mainstreaming efforts to highlight how these gears can work in different scenarios. For example, in Rwanda, the mainstreaming dialogue began as early as 2009 through sustained political leadership at the highest level, led by the President and senior ministries like the Ministry of Finance and Economic Planning. Climate considerations were integrated into Rwanda’s national development plan (2013-18) and some sectoral plans. In 2015, the Ministry of Agriculture and Animal Resources (MINAGRI) carried out a pilot to mainstream climate resilience into the production of tea and coffee, Rwanda’s key exports. Both crops are vulnerable to rising temperatures, increasing incidence of pests and diseases, shifting agriculture climate zones and extreme weather events. Using climate information tools, MINAGRI identified and prioritized activities to build climate resilience in the sectors, such as establishing monitoring stations for pests, encouraging intercropping to address climate variability for coffee plantations, and identifying suitable sites for tea production. The country’s political will and policy mandates also helped establish FONERWA, Rwanda’s fund for climate change, which was used to implement the tea and coffee pilot. Lessons from the pilot have been incorporated into Rwanda’s next agriculture plan.In 2001, a regional network was created to build climate change adaptation in the Northern Hesse region in Germany, where heat waves posed a growing threat to at-risk groups like the elderly. With input from the policy document “German Strategy for Adaptation to Climate Change” and with support and funding from the federal ministry, researchers mapped high-risk areas and identified activities that could reduce the vulnerability of affected communities. These included establishing early warning systems and providing recommendations to handle heat stress and reduce health risks. Climate adaptation officers and managers were established at the local level to coordinate activities across the health sector and to educate the public.Sharing Mainstreaming StoriesThere is no one-size-fits-all approach to mainstreaming. The gears do not always work in a linear fashion. They may “turn” in different directions, and one gear can often help start or accelerate the motion of others. It is important for policymakers and practitioners to assess the complex mechanics of their mainstreaming processes and consider ways to strengthen and accelerate implementation in their own socio-political environments.Documentation of successful mainstreaming efforts remains scant. As the practice of mainstreaming proceeds, telling the stories of successful efforts can provide insights and inspiration. Lessons shared through communities of practice and case studies can offer new perspectives on how to identify entry points and mobilize the key factors that can accelerate the drive to implementation. Extreme climate events are becoming the norm, rather than the exception. Deluges from Hurricane Florence inundated North Carolina in the U.S. last month. The worst floods in a century ravaged Kerala, India in August. And as the frequency of such events rises, the global loss of life and property mounts, damaging decades of development progress as well.The IPCC’s recently released special report shows that limiting warming to 1.5 degrees Celsius will require major and immediate transformation. The IPCC’s report makes clear that the higher the temperature climbs, the more costly and dangerous the impacts, from flooded homes and deadly heat waves to crop failure and damaged supply chains. And the consequences of climate change fall disproportionately on the poorest and most vulnerable.The IPCC’s report also makes clear that every fraction of a degree of global warming matters–not even 1.5 C is entirely safe. Society will need to continue to learn how to adapt to climate catastrophes. Increasingly, policymakers and development practitioners recognize that unless they take climate change impacts into consideration, investments and progress toward their goals are at risk. Governments, donors and the private sector are now showing their commitment to build climate change adaptation into their day-to-day operations.In a new working paper, WRI sheds light on factors that can help turn adaptation commitments into tangible steps to build climate change resilience.Minding the Implementation GapBecause the mainstreaming of adaptation into development requires coordination among multiple actors, institutions and processes, the journey from a plan on paper to action on the ground can be slow.A comprehensive review of over 100 cases in developing and developed countries confirmed the persistence of an implementation gap, which can prevent mainstreaming plans and policies from coming into fruition. Hampered by institutional bottlenecks like lack of capacity, coordination and resources, practitioners are often unable to mobilize the sustained commitment that is needed to build climate resilience within communities and environments that need to focus on adaptation now.Drawing on published literature, case examples and expert insights, WRI has identified five factors that can work together, like a set of gears, to help accelerate the move from commitments and plans to implementation.last_img read more