Tag: 上海桑拿

Credit unions are not-for-profit, we’re for members

first_img 93SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Tansley Stearns Tansley is a dynamic force of nature, fiercely crusading on behalf of all credit unions while tirelessly driving forward the brand image and family spirit of Canvas. She joined us … Web: https://www.canvas.org Details A recent MarketPlace.org article attributed credit union growth to lax regulations. Headlined with “As relaxed regulations spur credit union memberships, banks cry foul,” the article touts how credit unions have grown 60% over the last 20 years.Well of course we’ve grown, credit unions are awesome for people and small businesses. That said, unfortunately, we are not exploding across the financial market. In fact, statistics shared from this year’s Credit Union National Association (CUNA) Governmental Advocacy Conference (GAC) include the disheartening fact that our market share in the financial industry “hasn’t budged from 7% over the last three decades” and while more Americans are aware of credit unions, “among non-members, 72% don’t necessarily dislike credit unions. They simply don’t consider them as part of their decision process.”As an industry, we need to own our lack of growth. Collectively, we must do a better job of sharing our story and telling human beings why credit unions are a better choice. It has become a cliché to say that we are the “best kept secret.” We must invest in marketing. Just like the CUNA 2019 “Open Your Eyes” campaign touts, it’s time for credit unions to help consumers open their eyes to credit unions. We must tell our story in a way that focuses on the benefits we deliver, the impact we create, and the people we help.It’s a great thing that there is a credit union out there for everyone, no matter where you work or live. As modern and sophisticated financial institutions, we are dedicated to putting our members in control because we are accountable to our members, not shareholders. That accountability means that all of our resources stay focused on helping our members turn their dreams into reality.The good news is that when we do tell our story and consumers use us, they love us because it makes a positive impact. The MarketPlace article relates the wonderful experience of three college students who embraced joining a credit union. Each one referred their next roommate to the benefits of being a member. Again, this is not based on any “looser” laws enabling a nefariously new daisy chain connecting potential members, nor is it a new “phenomenon.” Depending on each credit unions’ charter, the Federal Credit Union Act supports extending membership in a variety of ways, including family and yes that also includes members of the same household. This is how it’s worked for decades.We’re here to help people and when that happens, it’s natural and very positive that those people tell their friends. The MarketPlace article points out that credit unions save their members about $12 billion a year, a point CUNA detailed directly to the U.S. Congress earlier this year. The March 27, 2019, CUNA release states “There are over 115 million credit union members who benefit by $12 billion a year as a result of paying fewer and lower fees, lower loan rates and earning higher rates on deposits. Here are just a few of the ways this plays out for credit union members across the country:Credit unions’ new vehicle loans are 1.78% lower than other financial institutions, according to the December 2018 NCUA’s Credit Union and Bank Rates.Credit union members save about $1,000 in interest paid over a five year loan based on those December 2018 statistics provided by NCUA’s Credit Union and Bank Rates data. This is based on financing a $25,000 new automobile for 60 months at a credit union will save a member an average of $200 per year in interest.Credit union members earn 2.5X more interest on their savings with credit unions versus banks (CUNA, Open Your Eyes Campaign).Don’t all of us desire to create positive impact for hard working people? It’s hard to believe that more consumers saving more money, paying less interest and ultimately creating a path to financial success is anything other than tremendously positive.Credit unions were first formed to ensure that working class Americans could have access to lower cost credit and a safe place to save their money. Credit unions take the money earned, and invest it back into the products and services provided to our members. It’s also what makes us a not-for-profit member-owned cooperative that does not pay corporate taxes, so we can provide those lower loan rates and higher savings rates to the average person.As efforts are made to change regulations for us, it is a subtle reminder that credit unions did not require a financial helping hand or additional oversight more than a decade ago to stay true to our members. And, we don’t require that now.At Canvas, we’re dedicated to helping more people afford life and embrace being a financial by-your-side guide for our members. It’s working. In 2018, Canvas Credit Union helped our members obtain access to more than $2.1 billion in affordable loans. Canvas serves nearly 10,000 local small businesses. Also, in 2018, we awarded $56,000 in scholarships, donated $200,000 to local charities, and supported our staff volunteering 1,372 hours. And, we’re not slowing down.We’re proud credit unions save their members about $12 billion a year as cited by MarketPlace. But we won’t stop there. Let’s help human beings, communities, and small businesses open their eyes to all credit unions’ have to offer.last_img read more

SpaceX To Blow Up Rocket on Purpose Saturday

first_imgIn order to make sure astronauts in upcoming manned flights are safe during a launch mishap, SpaceX will deliberably blow up a rocket this weekend.The private space flight company will blow up a Falcon 9 rocket at Cape Canaveral, Florida Saturday morning.The aim is to prove that astronauts in SpaceX’s Crew Dragon capsule would be protected in a launch emergency.Liftoff for the uncrewed flight test is scheduled for 8 a.m. Eastern time.Just a minute and a half after launch, the Falcon 9 will kill its engines and the Crew Dragon will fire its SuperDraco engines to separate from the rocket. At this point, the rocket and the capsule will both be traveling around 1,000 miles per hour. After separation, they will continue coasting toward the stratosphere before they begin their return to Earth. The Falcon 9 is expected to get torn to shreds over the Atlantic Ocean during its descent, but the Crew Dragon will gently land in the ocean under parachute.“We tried to design a way to save B1046, but not possible,” CEO Elon Musk tweeted, referring to the rocket by its block number. Instead, he wrote, it will be “destroyed in Dragon fire.”The so-called “in-flight abort test” is going to be one hell of a show, and it is one of the last major milestones before SpaceX can start sending astronauts to the ISS. The test is meant to show NASA that in the event of an emergency during launch, SpaceX can jettison astronauts to safety. It will mimic an actual launch to the space station in nearly every way, except no astronauts will be on board.NASA describes an emergency during launch as an “unlikely event,” but this kind of dramatic escape is more than a hypothetical. In 2018, a Russian Soyuz rocket had to jettison its capsule containing a Russian and American astronaut after one of the rocket’s boosters failed. It was the first time in history an abort system was used during flight with astronauts on board, but it worked perfectly and both astronauts returned safely to Earth.Although SpaceX’s uncrewed demo mission went off without a hitch, its Crew Dragon capsule exploded during a test, a problem that the company traced to a leaky valve. In December, however, SpaceX completed its tenth consecutive successful parachute test, which is required by NASA before astronauts can fly.Most Popularlast_img read more

Sheephaven Aqua Club undertake a night dive

first_imgFEATURES: Sheephaven Aqua Club undertake a night dive on the night of the last full moon before the equinoxAfter  the  excitement  on  Monday  of  going  to  Killybegs  and  diving,  the  Shaun Sheephaven divers followed that, with a night dive, under the Harvest Moon on Wednesdayevening.The last full moon before the September equinox is known as the Harvest Moon and along with some of the biggest tides of the year, this autumn it had a spectacular red hue. Once again PortnaBlagh provided the ideal location for a night dive, with the divers never getting below 10 metres and well defined reference points provided by the reefs that runout from the pier.Also on the night the marine life lived up to expectation, as the Shrimp and Lobsters came out once again for their nocturnal prowl.Weather  conditions  were  near  perfect,  with  cloud cover breaking  long  enough  for  the marvellous Moon to shine down on the dive site.In‐water  conditions  were  also  near  perfect  with  warm  water  and  good  visibility  and  as would be expected afterwards a cup of tea in Dunfanghy to wind up a great evenings diving. On  Saturday morning  Sheephaven divers dived Memore Head, well protected  against the big Atlantic swell running out to sea.Maximum dive times of over 50 minutes were recorded, to a depth of over 20 metres and good visibility of nearly 10 metres horizontally in some parts of the dive site.Sunday morning was very busy with a dive party to Melmore Head out from Mevagh, while in PortnaBlagh, Sheephaven Snorkelers welcomed the Garten Open Water Swim Group.The one boat Melmore dive party was led by Ethel Mc Granghan and thanks to Ryan Ward, who kindly gave up his dive to take the helm of dive boat Áine, the dive was conducted in one stick.The divers entered the water near Ravenney Island and followed the tide towards Melmore Head and once again marine life in the area put on a spectacular display. First up was  a  lovely sighting of  a Pipefish, perfectly  camouflaged  in the Pod Weed  at 18 metres, followed directly after by an observation of an exceptionally large Plaice.However these were trumped topside where the Sunfish were back and one put on a great show of breaching beside the dive boat and then stayed around long enough to allow CiaranMc Glynn take another one of his classy videos.Dive  times  of  over  50  minutes  were  recorded  to  a  maximum  depth  of  25  metres,  with visibility so good the divers could clearly see the dive boat from the sea bed at 18 metres.Meanwhile  over  in  PortnaBlagh  the  Garten  Open  Water  Swim  Group  kindly  donated  a generous sponsorship of €700 to Sheephaven Search and Rescue fund, when they attendedthe club Sunday morning snorkel. Karen Crawford, Paddy Bond, Mark Mc Collum and Keith Mc Clean took the opportunity to recognise the support that Sheephaven SAC provided to them during the Open Water Swim from Horn Head to PortnaBlagh in July of this year.Sheephaven Aqua Club undertake a night dive was last modified: September 21st, 2016 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:night diveseptember equinoxsheephaven aqua clublast_img read more

Red Bluff High boys basketball overtaken by Serra in semi, 60-43

first_imgRed Bluff >> Moments after Valentin Ramirez netted his second 3-pointer at about 3 minute mark of the opening quarter, the Red Bluff High boys basketball team had a 16-11 lead on Serra Friday night in the semifinals of the 28th Holiday Classic tournament. Could the Spartans get to their first-ever final in their own tournament? It turned out the momentum would slowly shift toward the San Diego-based team as Serra outscored Red Bluff 37-19 over the next 19 minutes to pull in front by double …last_img read more

South Africa must tackle ‘triple challenge’: Zuma

first_imgPresident Jacobs Zuma said during the ruling African National Congress’ centenary celebrations in Bloemfontein, it was the right moment to pause and ponder the future of South Africa and of the ANC over the next 100 years.President Jacob Zuma. (Image: R News)Brand South Africa reporterSouth African President Jacob Zuma, addressing thousands of supporters during the ruling African National Congress’ (ANC’s) centenary celebrations in Bloemfontein on Sunday, said the party, and the country, had to face up to the “triple challenge” of unemployment, poverty and inequality.Addressing a packed Free State Stadium, Zuma said it was the right moment to pause and ponder the future of South Africa and of the ANC over the next 100 years.“Principally, Africans, women and youth continue to carry a disproportionate burden of the challenges,” Zuma said.“Over the next decade, both the ANC and all organs of state shall pay a single-minded and undivided attention in order to overcome these triple challenges.”Zuma added that the country’s education and training system should be the cornerstone of all efforts to radically transform South Africa and build a truly non-racial, non-sexist, democratic, united and prosperous society.He said that the difficult questions about the future of the country had to be asked and answered.“As we move into the future, we shall invest hugely in, and elevate the importance of, theoretical and ideological work, as well as a scientific approach to analysing and solving society’s problems.“During this year, 2012, our nation must renew our determination to build a South Africa founded on the principles of the Freedom Charter and our democratic Constitution. We must bring new energy and new ideas into the kind of society we want to build over the next few decades.”Zuma called on all South Africans to work with the ANC to make the dream of a united, democratic, non-racial, non-sexist and prosperous South Africa a reality “in our lifetime”.Source: South African Government News AgencyWould you like to use this article in your publication or on your website? See Using Brand South Africa material.last_img read more

Two decades of freedom

first_imgRomaana NaidooThere are just 218 days until 27 April 2014, when South Africa marks a significant milestone – 20 years of democracy.In preparing for the anniversary, citizens have been urged to join the likes of Lead SA and Brand South Africa to pledge their support in building national pride and reflecting on how far the country has come in two decades. Along with the Department of Arts and Culture, Government Communication and Information System (GCIS) and Proudly SA, four initiatives in this vein were launched by Lead SA on 20 September in Soweto.Richard Simmonds dressed for Freedom FridayFreedom Friday is a call on the nation to wear something every Friday that expresses their pride in being South African. This includes anything from a jersey of a favourite football or rugby team to traditional wear. Other projects to celebrate South Africa’s heritage as well as 20 years of democracy include 20 Hours of Volunteerism, between 20 September and Freedom Day, 27 April 2014; Wikipedia Wordathon, to improve South Africa’s digital footprint on the online encyclopaedia; and 20 Memorable Moments, which will retell people’s stories about their most memorable moment in the past two decades.On 27 April 1994, South Africa cast aside centuries of discrimination and oppression to form a new society built on a foundation of freedom and democracy. This change marked the beginning of a united, non-racial, non-sexist, democratic and prosperous society. Lead SA’s Yusuf Abramjee kicked off the festivities for the launch of the initiatives by explaining the importance of having the event on Vilakazi Street.“It is a great privilege to be here today as we make history. It is fitting that we gather in Vilakazi Street in Soweto, which enjoys a prominent place in the history of South Africa … We are here today to start a journey of reflection and celebration as we count down the days to 20 Years of Democracy on 27 April 2014,” he said.“Some of you may recall every day since the first vote was cast on that day in 1994, and even the days, months and years before, while others were born to a free South Africa. We have a great opportunity to look towards the future with a greater understanding and appreciation of our past.”Unique storyBrand South Africa’s chief executive officer Miller Matola and Lead SA’s Yusuf AbramjeeThe South African story, Abramjee said, was as unique as the people who made up the diverse and vibrant nation. It was a story of great sacrifice and perseverance; it was the stuff of legends.An excited Miller Matola, the chief executive officer of Brand South Africa, spoke about 20 years being a significant milestone for all citizens. “We must all now participate in driving the future we would like to see for ourselves, our children and the generations of descendants who will come after us,” he said.“Brand South Africa is inspired by the launch of the Freedom Friday initiative. We look forward to working with our partners on this initiative, as well as with all citizens to find new ways to celebrate our democracy, our freedom, our nationhood.”Matola explained that through the National Development Plan citizens would be able to achieve a better future for all. “We must each of us play our part to make this a better reality.”He concluded by quoting Nelson Mandela: “Let us never be unmindful of the terrible past from which we come, that memory not as a means to keep us shackled to the past in a negative manner, but rather as a joyous reminder of how far we have come and how much we have achieved.”Among those at the launch were Minister of Sports and Recreation Fikile Mbalula; Minister of Arts and Culture Paul Mashatile; Leslie Sedibe, Proudly SA’s chief executive officer; Phumla Williams, GCIS’s acting chief executive officer; struggle stalwart Ahmed Kathrada; social cohesion advocate Judge Yvonne Mokgoro; and Primedia Broadcasting’s chief executive officer, Terry Volkwyn.Youth commitment20 years of freedomAcknowledging the youth’s support and active participation, Abramjee introduced some inspirational schoolchildren. Among them were Madison Volkwyn; Jordan van der Walt, the Lead SA hero of the year; and Tshogofatso Dhlamini. Madison, a pupil at Redhill High School in Johannesburg, spoke about a business studies and design project that inspired her and a group of friends to give back to an underprivileged school in Orange Farm in the form of a colourful play area.The group was instructed to go out and implement a sustainable, green corporate social responsibility project, “whatever you want, whatever you need, but you need to do it yourself”. “For us, being raised in homes that are very open and exposed to the current situations of the people in our country, we were hopeful that we could find somewhere where we could make an impact but we hadn’t gone looking specifically for a place to do community service,” she explained.“Solwazi Primary School is a way of helping keep the children occupied during the day, educating them and helping to keep them off the streets, as many of these children are orphans. When interviewing the directors of the school, they expressed the importance of playing and felt that their students were being deprived of this aspect of their schooling, especially in the foundation phase of Grade R and grades one to three,” she said.“Studies have shown that low-income children have limited opportunities to play. Having gone to a school such as Redhill, my peers and I have always had boundless opportunities … which I have no doubt has significantly helped us to this very day. When visiting the school, seeing those 600 children, playing in what could only be described as a flat, dusty playground, with no equipment and nothing to stimulate these children’s minds or provide a ritualistic form of exercise, it really sparked a desire in us to make a change, however small.”Tshogofatso, a Grade 11 pupil at St Martin de Porres School in Orlando West, Soweto gave a moving speech about the importance of national heritage and pride. “Heritage is anything that we discover or know about the past. But heritage is not simply history – that which befalls us – it is rather what we choose to know, keep, and value from the past. Heritage is that part of our history which defines us and which we cherish.”She said: “A shared heritage provides us with a common past, and this gives us a sense of identity and belonging … A shared heritage is like a rich mine from which we may select and emphasise that good that we choose to cherish and to celebrate with others. These aspects of heritage tie us to other human beings, often forming the strongest human bonds.“One of the most important things about heritage is that it gives us a sense of identity, defining who we are, as well as seeing that we are part of something that is bigger than what we are, and something in which we can take pride,” she said.last_img read more

Surfacing new uses for corn critical to long-term viability of farmers

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Increasing demand for corn and corn farmer profitability is key to the National Corn Growers Association’s mission, and this was clearly evident at the recent meeting of NCGA’s Corn Productivity & Quality Action Team (CPQAT).Farmer team members from across the U.S. discussed several potential avenues for finding new uses for corn to drive demand. Potential areas of focus are new food uses for corn, new plant-based chemicals from corn and more specifically using corn as a feedstock to replace chemicals currently manufactured from petroleum.“Developing new uses for corn is nothing novel. It has always been important. Within the last 20 years, fuel ethanol went from being a new use for corn to our second largest market.  And look at the impact that has had on farmer profitability,” said Larry Hoffmann, chairman of the CPQAT. “But trying to keep corn use ahead of our growing productive capacity is a never-ending challenge. We are currently exploring the concept of an open innovation contest as a way to engage researchers to drive corn use.”Open Innovation focuses on uncovering new ideas or new applications of corn. This process allows us to look beyond our normal research networks and find new applications. Projects uncovered through the open innovation process may be eligible for financial support or other in-kind activities to accelerate them through the research phase and into commercial production.last_img read more

Heavy storm claims 18 lives in U.P.

first_imgAt least 18 persons died as thunderstorm hit several parts of Uttar Pradesh on Wednesday, officials said here on Thursday.Twenty-seven persons were also reported injured, while 37 animals perished in the storm.Chief Minister Yogi Adityanath, who is away campaigning in Karnataka, in a statement directed district officials to provide immediate compensation to the affected persons and calculate the losses.“He said laxity and callousess in relief works will not be tolerated,” a government spokesperson said.IMD warningThe India Meteorological Department (IMD) has issued a warning that thunderstorms, accompanied by gusty winds, are very likely at isolated parts of East Uttar Pradesh, Jharkhand, Gangetic West Bengal and a duststorm likely in western Uttar Pradesh, on May 12.The National Weather Forecasting Centre has predicted thunderstorms accompanied by squall (wind speed 50-70 kmph) in several States of North and East India on May 13.The Wednesday storm comes a week after 73 persons died in the State as hailstorm, lightning and duststorms damaged property and crops and caused human loss in 22 districts of the State.With 43 human casualties and 51 injured persons, Agra was the worst affected district.last_img read more

Tory MPP apologizes for comments about Wynne after lawyers warn of possible

first_imgTORONTO – A Conservative member of the Ontario legislature is apologizing to Premier Kathleen Wynne for comments made in a radio interview after the premier’s lawyers warned he could face a defamation lawsuit.Lawyers representing Wynne sent a letter Wednesday to MPP Bill Walker asking that he publicly retract and apologize on the air for statements made to Toronto radio station AM640 on Monday.The letter alleged Walker told the radio station Wynne was under investigation and facing charges in connection with an upcoming Election Act bribery trial for two Liberal party members, when in fact the premier is slated to testify in the trial.It said his statements “could be the subject of a defamation action” and warned against making any further comments along those lines.In a statement released Wednesday evening, Walker said he made a mistake while discussing Wynne’s plan to testify at the upcoming trial.Wynne’s lawyer said later Wednesday that Walker was expected to be interviewed on the radio station again on Thursday. He said Walker’s comments would be monitored “to ensure our demand for a retraction and apology is fully satisfied.”Pat Sorbara, the premier’s former deputy chief of staff, faces two bribery charges under the Election Act, and Gerry Lougheed, a Liberal fundraiser, faces one charge.“I misspoke by implying that the premier is under investigation and facing charges. The premier is not, in fact, under investigation or facing charges,” he said.“I regret the error and apologize for it without reservation.”In their letter, they said Walker’s radio statements “appear to have been made with the intention to harm the reputation of Ms. Wynne,” who they said has co-operated with investigators in the case.“Despite the inaccuracy of your statements, your status as an MPP increases the likelihood that these falsehoods will be repeated by others, increasing the potential harm to the premier’s reputation,” the letter read.“Accordingly, you will be held accountable for any damages arising from your defamatory statements and their repetition by others.”Wynne previously sued former Conservative leader Tim Hudak and another Tory MPP after the pair said she oversaw — and possibly ordered — the destruction of documents related to two cancelled gas plants.That lawsuit was resolved in 2015, though it is not known whether it was settled or withdrawn.last_img read more

Shaquille ONeal Helps ToysRUs Raise 58 Million For Charity

first_imgToys”R”Us has announced that its annual nationwide fundraising campaign to benefit the Marine Toys for Tots Foundation raised more than $5.8 million and collected over 200,000 toys.During the 2015 campaign, customers helped bring holiday joy to some of the 15.5 million kids in need across the U.S. by donating new, unwrapped toys at Toys”R”Us and Babies”R”Us stores nationwide and through monetary contributions made in stores and online at Toysrus.com/ToysforTots.“In our twelfth year of partnership with Toys for Tots, we are grateful to our passionate team members and loyal customers for helping us make a difference for families in need this holiday season,” said David Brandon, Chairman and CEO, Toys”R”Us, Inc. “Their tremendous support and the success of our 2015 campaign has allowed us and Toys for Tots to once again create magical experiences for the millions of kids living in poverty in the U.S who may have otherwise gone without a toy to open on Christmas morning.”As part of this year’s campaign, NBA Legend Shaquille O’Neal suited up as Shaq-A-Claus to help Toys”R”Us support its partnership with the Marine Toys for Tots Foundation and encourage customers to #PlayItForward, an initiative designed to further spread awareness of the cause and to inspire families to donate.“I’m so thrilled to have partnered with Toys”R”Us for another holiday season to ‘Play It Forward’ and help families in need through the amazing work of Toys for Tots,” said Shaquille O’Neal. “I want to extend my thanks to everyone who donated. Your contributions gifted countless kids the awesome moment of finding a toy under the tree this Christmas. As Shaq-A-Claus, my role is to ensure we put smiles on the faces of children in need, and I am happy to report that with your help, we did just that!”Additionally, hundreds of online shoppers purchased and donated toys featured on The Great Big Shaq-A-Claus Wish List, which were shipped directly to the Marine Toys for Tots Foundation and distributed to children in impoverished communities across the country this holiday season.As the largest retail partner in the history of the Marine Toys for Tots Foundation, Toys”R”Us has raised nearly $48 million and collected more than 4 million toys since the partnership began in 2004.The Shaq-A-Claus #PlayItForward initiative was supported by the Toys”R”Us Children’s Fund, a public charity affiliated with Toys”R”Us, Inc.last_img read more