Blairsville Cattle Field Day

first_imgGeorgia cattle farmers will learn the latest research-based information at the annual University of Georgia Mountain Beef Cattle Field Day on April 11 in Blairsville, Ga.Registration starts at 8:30 a.m. at the Georgia Mountain Research and Education Center. The field day ends at 3 p.m. Experts from UGA Cooperative Extension and the UGA School of Veterinary Medicine will present the most up-to-date research based information. This year’s field day topics will include forage quality, corn and cattle economic outlook, reducing calf losses, forage handling and storage, managing animal health and bull selection. There is no charge for the field day and lunch and refreshments will be provided. The field day is co-sponsored by AgGeorgia Farm Credit and Nelson Tractor Company. For more information, call (706) 745-2655.last_img read more

GM a Step Closer to Meeting Renewable Energy Goal

first_img FacebookTwitterLinkedInEmailPrint分享Michigan Public Radio:General Motors says a new wind farm being constructed in Ohio brings it one step closer to running all its facilities worldwide on 100% renewable energy.The 100 megawatt wind farm in northwest Ohio was grandfathered in, before a new law made it almost impossible to build wind farms in that state.Rob Threlkeld, head of global renewable energy for GM, says the Ohio project, along with one being constructed in Illinois, will offset carbon emissions from seven GM plants in the Midwest.“Once these projects are completed later this year, renewable energy will be used to power 20% of our facilities globally,” says Threlkeld.Threlkeld says making it to 100% renewables by 2050 will require more wind and solar, increased energy efficiency in GM plants, along with overall grid improvements, and battery storage to address the intermittent nature of wind and solar.More: GM Will Soon Be 20% Of The Way To Its 100% Renewable Energy Goal GM a Step Closer to Meeting Renewable Energy Goallast_img read more

Credit union tech time: Cybersecurity assessment tool

first_img 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr With the release of its Cybersecurity Assessment Tool in June 2015, the Federal Financial Institutions Examination Council looked to provide banks and credit unions with means to examine and assess their level of security and risk to cyberthreats. Completed assessments would be another “tool” in the financial institution’s belt for controlling security risks.The CAT’s first section (inherent risk) provides guidance on what to consider and how to view “inherent” or “raw” risk. Inherent/raw risk is the level existing without the application of controls. It is the starting point for your risk analysis. Using the information and listed items in the CAT, your credit union can get an idea of its risk picture when deploying various technology systems, products and services before security measures and controls are put into place.Using these categories and ratings can be useful to your credit union in examining the potential change in risks you face when looking to add or change technology products and services. For example, imagine that your credit union is thinking of adding person-to-person payments to its portfolio of products. Looking through the inherent risk table provides some insight into the level (or change) of risk in doing this. continue reading »last_img read more

“Oh, we can’t do that”

first_imgAs a credit union, have you heard this before, or worse yet, have you spoken these words?  Why is this one of the few industries dominated by what we can’t do rather than what we can do? Have credit unions not historically played by the rules? Have credit unions not consistently stepped up, especially in challenging markets, and served the needs of our members? Then why are we so concerned with what our community banking counterparts will say or do?  Truth be told, the biggest issue facing community bankers is not credit unions. It’s the “too big to fail” depository behemoths who have done nothing but capture more market share since the Great Recession. The top 5 largest banks domestically control approximately the same amount of assets ($1.5 trillion) as the entire credit union space combined. What does this mean for us as credit unions? It means that the noise from community bankers is just that, noise. The leadership currently in place at the NCUA realizes this; why don’t most credit unions? Well for starters, there are some legacy patterns that are difficult to break, and there are some zombie credit unions that are just waiting to be merged. There are also innovative credit union programs that are not widely accepted, due solely to a lack of visibility.  The first two issues are unacceptable but the third will solve itself over time.  As community-conscious stewards of our membership, is it not our responsibility to provide the absolute best services possible? Then how do we change those legacy patterns and break out of “Oh, we can’t do that”?  My contention would be that you challenge the process wherever possible. Currently, low income designated credit unions have far more resources available to them than ever before. A low income designated credit union can accept non-member funding from any source, receive exemption from the aggregate loan limit for member business loans and accept secondary capital. Let that sink in for a moment.  As a CUSO, we speak with hundreds of credit unions each year, and they tell us the two biggest issues facing them are funding and the inability to grow.  Let’s compartmentalize these issues and discuss individually. How many of you out there are in this position? Your credit union has robust loan demand, a net worth ratio near or above 10%, but you can’t find the funding you need. Unless a major corporation is in talks to bring thousands of jobs to your community, you are going to have to find funding elsewhere.  Did you know low income designated credit unions can access funding from any source? That means DTC brokered funding, money market funding and a plethora of other sources. Low income designated credit unions have guidelines they must follow, but think of the advantages the designation creates. Do you really want to look your members in the face and say we no longer offer those loans because we either don’t understand the advantages of low income designation or are just unwilling to apply? Like I stated above, you have a responsibility to provide the absolute best products and services to your membership. Here’s another scenario.  How many of you have spent months or even years building sales momentum? You’ve hired qualified community conscious leaders, and spent thousands of dollars on marketing and advertising, only to find that your retained earnings will not or cannot keep pace with your projected growth.  What are you to do? Stop? Tap the breaks? Or worse yet, slow down the momentum that has cost you thousands of dollars and immeasurable hours. My suggestion again is to challenge the status quo and grow. CMS is making secondary capital available to low income designated credit unions. These are strong, well-capitalized, well positioned credit unions missing the only ingredient necessary to grow. Secondary capital would allow most credit unions in this position the ability to continue on their current path. Your membership deserves their credit union operating under this mindset. Your net worth ratio might be an issue, but only if you allow it to be. Like everything else we do, only when you challenge the process will you find real solutions. Settling for hypothetical conjecture from a faceless community banking competitor is not only foolish but disadvantaging the members you serve. Let’s not settle for “Oh, we can’t do that”. Let’s challenge ourselves and our industry to be the best we can for our membership.  In the end, isn’t that all that matters?  16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jeremy Colvin Jeremy Colvin is a Managing Director for Olden Lane. Jeremy has over 20 years of institutional sales experience. Prior to joining Olden Lane, Jeremy was a Managing Director with BNY … Web: Detailslast_img read more

Compliance: Fiduciary rule transition period extended

first_img 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » With the Department of Labor (DOL) finalizing an 18-month extension the fiduciary rule’s applicability date, what should credit unions do during the extended transition time? The rule’s amended definition of “fiduciary” became effective June 9, but fewer conditions will apply to financial institutions and advisers until July 1, 2019.During the extended transition period (originally set to end Jan. 1, 2018), financial institutions and advisers must comply with the “impartial conduct standards.” These are consumer protection standards that ensure advisers adhere to fiduciary norms and basic standards of fair dealing.The standards specifically require advisers and financial institutions to “give prudent advice that is in retirement investors’ best interest, change no more than reasonable compensation and avoid misleading statements.”last_img read more

The Convenience Factor: Is your overdraft program delivering what Generation Z really wants?

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Cohron As chief executive officer, John provides leadership, planning and oversight for the company. He joined JMFA in 2002. As executive vice president of operations and chief information officer, John was … Details Generation Z, defined as those born between 1996 and 2010, may not be high on your radar—but they should be. According to Business Insider Intelligence’s 2019 report, Banking and Payments for Gen Z, this generation has:Up to $143 billion in buying powerNot yet aged into credit cards or loansMore interest in digital payment products and services than any previous generationThey’ll also represent 40 percent of American consumers in 2020. All of this translates into a huge opportunity if you’re prepared to serve them—or a threat if you’re not.The Financial Brand reports that convenience tops these digital natives’ reasons for choosing digital, online-only bank accounts, by a margin of 2:1 over recommendations, online account opening and lower fees. To combat this shift in banking preferences, it will take more than just physical branch or ATM locations to attract Gen Z to your credit union. It will take a combination of technology, competitive rates, and customer service centered around one factor: convenience. Make Your Overdraft Program Gen Z-AccessibleWhen it comes to providing Gen Z with convenience, your overdraft (or courtesy pay) program is a great place to pick up a win. Implementing a fully disclosed, compliant service for your members offers three-fold convenience for a seamless experience during what could otherwise be stressful time.The convenience to pay in the moment without worrying if it will be covered.Having had information at their fingertips since they could say their first words, access to two-day shipping for almost any item imaginable, and real-time feedback via social media, Gen Z is accustomed to instant gratification with very little wait time. When they’re in a financial bind, needing to make a payment but short on funds, they don’t want to have to call their bank or credit union to check what their overdraft limit is that day. With a disclosed and transparent overdraft approach, they’ll know upfront what to expect, giving them the confidence to make financial decisions immediately and move on with their lives.The convenience of not having to find another means to pay during an emergency.When Gen Z knows they have access to X dollarsfor a Y fee, they may decide it’s worth it so they don’t have to search for a less convenient, more time-consuming way to make a payment or purchase—like asking family or friends for a loan, selling their belongings, or picking up side gigs.The convenience of communicating via their preferred methods. An overdraft program with the ability to communicate with members via email and text will undoubtedly appeal to the accessibility and hyper-convenience Gen Z seek. It’s also the preferred method over paper-based communication from an environmental standpoint, something younger generations place a high importance on. And if Gen Z likes your service, you can be sure they will let others know through their digitalword-of-mouth method of choice.Is your overdraft service offering Gen Z that much sought-after convenience they’re heavily basing their banking choices on? With a fully disclosed and transparent overdraft program that evolves with the times, you can provide a modern, convenient service to members of all generations.Learn more about how you can offer a better overdraft service and much more.last_img read more

LGIM chief executive Zinkula to step down next year

first_img“It has been a pleasure to work with such committed colleagues at LGIM and I’m proud of what our talented leadership team has accomplished. They have created a truly unique, collaborative and client-focused culture, which has driven the successful expansion of our business.“We are well positioned for the future and I believe next year will be the right time to step down. By giving notice now, we will have ample time to plan for my successor.”During his tenure to date, LGIM has taken a leading role in stewardship efforts in the UK. In 2015, Zinkula wrote to FTSE 350 companies urging them to abandon quarterly reporting in a bid to boost long-term investing.He also oversaw the group’s successful bid for the National Grid Pension Scheme’s in-house asset manager, Aerion Fund Management, in 2015.LGIM was the biggest UK-based asset manager at the end of 2017, according to data from IPE’s Top 400 Asset Managers report, with €1.11trn in assets under management.The full 2018 Top 400 report will be published with the June edition of IPE. Mark Zinkula, chief executive officer at Legal & General Investment Management (LGIM), is to retire at the end of August 2019, the company announced this morning.In a notice to the stock exchange, LGIM’s parent company Legal & General, the UK insurance giant, said it would begin the process of recruiting a successor “in due course”.Zinkula has led the asset management company since March 2011, having previously led the establishment of LGIM America as CEO since 2008. He is also a board member at the Financial Reporting Council and the Investment Association.Zinkula said: “Leading LGIM over the past several years, a period of significant transformation and growth, has been a real privilege.last_img read more

Dominica; Prime Destination for Weddings!

first_img 28 Views   no discussions Tweet LocalNews Dominica; Prime Destination for Weddings! by: – October 25, 2011 Share Image via: dominica.dmDestination weddings are now becoming one of the most commonly-adopted traditions of this new era, as couples sometimes jump from country to country looking for ‘that perfect place’ to ‘tie the knot’.When we hear of destinations weddings, most persons think of countries like Italy, London, Hawaii, Barbados AND Dominica!YES! The Ministry of Tourism is reporting that many visitors are now expressing the view of making ‘Dominica – the Nature Isle of the Caribbean’, their destination choice for their wedding.Dominica; a country which boasts of 365 crystal clear rivers, waterfalls and lush green vegetation in a peaceful environment is now being considered as one of the prime locations for ‘a perfect wedding’ on either a rainy or sunny day.Locals continue to perform weddings at several locations, which provide great pictures which tell a million stories decades after ‘the big day’.Botanical Gardens: The green neatly-cut hedges with two arches makes the Botanical Gardens one of the ideal spots for a wedding. The tall trees and flowers that are evenly placed in this Garden of Eden provide shade, cool breeze and a natural, fresh aroma for your wedding. A gazebo situated in the middle of the garden is the perfect spot for taking photos or you may choose to strike a pose on any of the tree stumps or stand next to a flower that matches the color of your outfit.Scotts Head: The Scotts Head or Cachacrou Peninsula separates the Caribbean Sea from the Atlantic Ocean, another prime location for your wedding. Standing in the middle of these two seas; one rough and the other calm, gives the groom and bride an opportunity to enjoy the cool breeze on their perfect day, not forgetting the breath-taking photos, which some may say, ultimately take away completely or add significantly to the picture itself. There is a 101% percent chance that your wedding photo will end up with either raging waves, green mountains or a picturesque community in the background.Waterfalls: Having to choose from fifteen different waterfalls to have in the background of your wedding photo may be a difficult task for some wedding couples; Dominica provides that opportunity. Options can include the famous Trafalgar Falls, Victoria Falls or Middleham Falls or the newly discovered 3 Rivers Falls, The Space Mountain Falls, Coco Cascades, Spanny’s Twin Falls or Fond Morgan Falls. Any of these flowing waterfalls gives your wedding a cool, breezy, rainforest feel.Beaches: Dominica’s black sand beaches are another location to say ‘I do’, with the sounds of unique birds, the feel of ocean breeze and the chill of rushing waves behind the scenes. The magnificent Rosalie Bay which is a long, wide, sand beach has some breathtaking views of the ocean and is excellent for lazing about on the sand. There are also a number of other Atlantic beaches located at Marigot, Grandbay and LaPlaine. In the communities of Salisbury, Mero, Calibishie, Loubiere and Scotts Head, you can experience the calmer waters of the Caribbean Sea.Hotels: Several hotels in Dominica are also readily available to host wedding ceremonies for those who may choose to still enjoy the destination on the inside. Fort Young Hotel, Garraway Hotel, Jungle Bay Resort and Spa or Exotica Cottages are just some of the options among others that all meet and surpass international standards. With that, you can also hire a wedding consultant who will ensure that you have your outfits, decorations or cuisine made in your own personal style. You can top that off with a Dominica Cake! With tourism being one of the economies largest income earners, Dominica’s Minister of Tourism has said that the government will be working with Discover Dominica Authority and other stakeholders to ensure that Dominica becomes one of the world’s top destinations for weddings and honeymoons.At a recent meeting the Minister of Tourism, Honorable Ian Douglas said that “the Ministry of Tourism is collaborating with the Ministry of Social Services, Community Development and Gender Affairs to ensure that the legislative framework for facilitating weddings of visitors to Dominica is put in place. This market can potentially become a fairly lucrative one for Dominica and we are working to capitalize on it.”Weddings and honeymoons in Dominica are a perfect blend of adventure and romance. Nature is your backdrop, untouched and unspoiled. Hike, snorkel, bike, dive and say “I do” to the sounds of the breaking ocean surf or under the lush rainforest canopy.Escape from the ordinary and explore your imaginations; whatever you imagine, Dominica has it all!Imagine saying the words ‘I do’,Where nothing comes between your love and you,It’s like Heaven on earth and paradise new,Dominica has that experience too!By Alice Dalrymplecenter_img Share Share Sharing is caring!last_img read more

House raid nets 18 sachets of ‘drugs’

first_imgBACOLOD City – A fish vendor wasnabbed in a house raid in Barangay Nayon, San Enrique, Negros Occidental. Armed with a search warrant, officersof the municipal police station raided the house of 41-year-old Resby De Pedroaround 5:30 a.m. on Monday, a police report showed. Recovered from the house were 18sachets of suspected shabu, cash worth P25,000, three cellphones, and drugparaphernalia, the report added.center_img De Pedro was detained in the lockupfacility of the San Enrique police station, facing charges for violation ofRepublic Act 9165, or the Comprehensive Dangerous Drugs Act of 2002./PNlast_img read more

Condition of injured football player updated

first_imgIndianapolis, In. — The 15-year-old Switzerland County Football player injured in a weekend matchup with North Decatur High School continues his recovery in Riley Children’s Hospital.Reports indicate the player has surgery over the weekend to relieve pressure on his spine caused by a fracture of the 4th and 5th vertebrae. Coah of the Switzerland County Pacers Football team released the following statement:Latest update:Some of the coaches just left as he drifted off to sleep while watching…you guessed it, football. We hope our visits help brighten the long road to recovery he is surely facing. We gave him a “Dirty Bird” shirt, which had the motto Embrace the Grind printed on the back, and left it draped over the end of his bed facing him.His mother had the neurosurgeon update us on what is happening at the moment in his recovery.He suffered a fracture to his 4th and 5th cervical vertebrae. Having these dislodged resulted in a contusion that is currently putting pressure on his spinal cord causing the loss of feeling he is suffering from. Today and tomorrow are the major swelling days for this type of injury so this is not uncommon.Good news is that it is an incomplete injury of the spinal cord which means the brains ability to signal for movement has not been severed, but the swelling is keeping this from occurring at the moment. He was able to feel a tingling sensation in his leg this morning when he was examined by a nurse, but none since that time.The chaplain was in from North Decatur and sent well wishes from their community. They have set up a go fund me page for their area and we will be publishing one soon as well. Please feel free to donate to either or both.As always, continue to keep him and his family in your thoughts and prayers.-Coach Ryan JesopA link to a fundraiser for the family is here.last_img read more