Digitalization and Mobilization: The new era of opportunity for credit unions

first_imgCUs need to enable their members to move at the speed of life Mark SievewrightOn Nov. 3, 1962, The New York Times printed a particularly bold headline: “Pocket Computer May Replace Shopping List; Inventor Says Device Could Tell Grocery in Advance What Customer Needs.”This was written back when credit cards were just being introduced to the world—and well before ATMs became the new, automated banking option in the 1970s and 1980s.Although the world has changed quite a bit over the past few decades, the foundation for our digitized and mobilized ecosystem has been apparent for more than 50 years.In the new millennium, we are transitioning toward digital and mobile financial services, benefiting both credit unions and their members in the process.However, despite substantial investments in digital and mobile technology, credit unions have yet to maximize adoption rates—and return on investment—from their membership. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Dartford runs rings around the rest

first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

Greensburg police investigating multiple break-ins

first_imgGREENSBURG, Ind. — Greensburg police are investigating multiple break-ins at downtown businesses.According to police, the Decatur County Historical Museum and Wickens & Wickens, LLC were broken into last month.An unknown amount of cash was taken from the museum, but police say it does not appear that anything was taken from the law office.Currently, there are no suspects.Police are also urging residents to keep car doors locked, as they have received more than 20 reports of vehicle break-ins over the last 2 months.Authorities say individuals are getting into unlocked cars and looking through them to find money or other valuables.Officials remind residents to keep your car doors locked and to report any suspicious activity immediately.Anyone with information regarding either incident is asked to call the Greensburg Police Department at 663-3131.last_img read more

Five Tipp ladies footballers named on team of the league

first_imgPhoto © Twitter Tipperary Ladies Footballers Ladies footballer Sarah Everard says it’s a great achievement for them. Five Tipperary ladies footballers have been named as part of the Division 3 team of the league.Sisters Brid and Siobhan Condon, Emma Buckley, Aishling Moloney and Aisling McCarthy were all named.The players attended a ceremony in Croke Park on Friday night.last_img

On his home turf in Egypt, everyone wants piece of Liverpool’s Salah

first_imgCairo, Egypt | AFP | Patriotic statements, flashy commercials and an anti-drug campaign: Mohamed Salah’s dazzling displays for Liverpool have taken the football world by storm, and on his home turf in Egypt seemingly everyone wants a piece of him.Salah has shot to stardom thanks to his goal-scoring exploits in England and Europe, and senior Egyptian officials increasingly refer to the player — although he has carefully steered clear of politics.Last month foreign ministry spokesman Ahmed Abu Zeid went so far as to call him “an icon of Egypt’s soft power”.Abu Zeid made the comment on Twitter after Salah scored a brace and set up two more goals as Liverpool beat AS Roma 5-2 in the Champions League semi-final first leg at Anfield last week.The second leg takes place on Wednesday night in the Italian capital.The remarkable game prompted President Abdel Fattah al-Sisi to also congratulate the flying forward. “What he has accomplished calls for pride and affirms Egyptians’ capabilities in all fields… Proud of him every Egyptian who holds Egypt’s name high,” Sisi tweeted.Salah the “Pharaoh” represents an opportunity for the country to improve its image internationally after years of turmoil in the aftermath of the 2011 uprising that toppled longtime ruler Hosni Mubarak.– ‘Global face’ –The fact that “an athlete at that level penetrates the media wall and becomes a face known globally inevitably reflects… on his home country,” said Pascal Boniface, director of the French Institute for International and Strategic Affairs.From the modest village of Nagrig in the Nile Delta, Salah has catapulted to worldwide fame since his arrival last summer in England from AS Roma in a transfer deal worth 42 million euros.Share on: WhatsApp Pages: 1 2 3last_img read more

Angry Hazlet Residents Protest Affordable Housing Plan

first_imgBy Jay Cook |HAZLET – More than 200 incensed residents packed town hall Tuesday night to protest an affordable housing settlement permitting about 480 new total housing units at a former Catholic school and a vacant farm along Route 36.Homeowners battling the plan were so outraged that they shouted at elected officials and pleaded for a better option. One man was even removed by police after an expletive-laden outburst.“The town cannot handle that amount of people,” said Hemlock Street resident Sam Dimartino. “Look at the amount of people we have back here, nobody wants this. Act like it’s in your own backyard and then vote on it.”Committeemembers Barbara Ronchetti, left, and James DiNardo have voiced their opposition to the housing compliance plan. They’re concerned about the greater impact to Hazlet. Photo by Jay CookThe agreement, which is being negotiated by Hazlet and Fair Share Housing Center, sets guidelines to develop the shuttered, 17-acre Holy Family School and the 26-acre vacant property known as the Stone Road Meadow tract on the Union Beach border. Holy Family would be rezoned for 172 units with 26 affordable and the Stone Road Meadow’s new zoning would permit 312 units with 63 affordable.Township officials were expected to vote on approving this compliance plan but it never reached a vote. Committeeman James DiNardo, who opposes the plan, said Tuesday’s meeting would be for residents to ask as many questions as they wanted. The session lasted four-and-a-half-hours until midnight. A final vote is expected to take place Sept. 4.“I want you people to realize the ramifications of what’s all going to happen with this,” he said. “It’s not a pretty picture.”It won’t be easy for Hazlet’s five-member governing body to reach an agreement. Democrats DiNardo and Committeewoman Barbara Ronchetti are against it, yet Republican Committeeman Michael Glackin and Mayor Scott Aagre said it’s the best deal available. They’re stuck in a gridlock.Mayor Scott Aagre said the affordable housing plan is the best deal available to the township.Deputy Mayor Sue Kiley wasn’t present Tuesday and has recused herself from these proceedings. She’s the business administrator for the Our Lady of Perpetual Help-St. Agnes parish in Highlands which is under the Diocese of Trenton’s umbrella. Holy Family is under the Diocese of Trenton’s direction, as well.Estimates from the state indicate Hazlet is on the hook for 800 affordable units, meaning roughly 3,000 more total units would likely be built by developers to make it profitable.“We have a great deal on the table and we’re basically turning our nose up at it,” township attorney James Gorman said. “There’s blood in the water, developers talk and we’re going to get more and more and more of this.”Gorman said “it’s going to get worse” if the settlement isn’t reached. He warned that Hazlet would go to trial over their lack of an affordable housing plan, would lose control of all zoning to the courts and more properties throughout town could have housing projects built. Of those could be the vacant Bradlee’s, ShopRite and Frank’s Nursey sites on Route 36, as well as another proposed dense project to be located near Costco on Route 35.The Fair Share Housing Act doesn’t recognize the multiple mobile home parks in Hazlet as affordable housing stock, but the township did receive unofficial credit for its existing senior housing options.But neighboring homeowners said the entire process was dysfunctional. Hazlet has gone over 30 years without a submitted affordable housing plan and was slapped with a second Builder’s Remedy lawsuit in November 2015. The lawsuit from Highview Homes, LLC. is for the housing project planned at Holy Family School.A group of about 500 concerned residents have been mobilized in recent months by Jamie Iacouzzi-Capone to form the Hazlet Residents Take Action citizens group. Iacouzzi-Capone said “the minutes have been lost and the trust has been broken” between residents and elected officials.“If the township is truly in favor for working for the people rather than their own personal agendas, there should be no objection,” she added.Iacouzzi-Capone pushed the governing body to leave the Stone Road Meadows property out of the settlement. Resolutions by Hazlet, Keyport, Aberdeen, Keansburg and Union Beach were all passed in recent years supporting that 26-acre property’s future as protected open space.“It would be a punishment to open my front door and see dense apartment housing,” said nearby resident John Wilk. “This development proposed will urbanize the area.”DiNardo and Ronchetti also said they floated a plan in recent years for Hazlet to purchase Holy Family School and turn it into a community center. The necessary votes weren’t there and the plans stalled, they said.Some residents petitioned Hazlet to stand up to the state and seek better options for the ultimate housing developments.“This is a death sentence for the future of this town,” said Gerard Jaume. “This will turn into a Neptune. And it’ll be on all you guys.”This article was first published in the August 9-16, 2018 print edition of The Two River Times.last_img read more

Nelson Baseball grads keep careers alive in Canadian College Baseball Conference

first_imgThere’s life in baseball after the youth leagues, and a handful of Nelson and District Baseball grads playing in the Canadian College Baseball Conference are proof.Will Miller and Kyle Paulson decided to keep the baseball flame burning at the college level playing for Thompson Rivers and Prairie Baseball Academy in Lethbridge, respectively.The two met up during the spring playoffs in Kamloops, with Paulson getting the best of his former teammate during the 2012 Canadian College Baseball Conference Championship Tournament.Prairie Baseball Academy Dawgs downed the WolfPack 3-1 to eliminate the hosts.Paulson was the winning pitcher, going five innings giving up a run, eight hits, striking out one and walking three. Paulson and Company went on to claim the CCBC title with a 5-1 win over Vancouver Island Baseball Institute Mariners.At TRU, the WolfPack program has been up and running for the past 12 years with head coach Ray Chadwick at the helm.This program has developed into one of the strongest in the league as Chadwick recruits a roster that includes players from all across Canada, the United States, Japan, Australia, Mexico and France.Other West Kootenay players playing in the CCBC include Castlegar’s Travis Nevakshonoff, Cam Strachan of Trail, at TRU the past two seasons and Joey Underwood of Trail playing at Prairie Baseball, also the last two seasons.The TRU season begins in February with the squad playing mostly exhibition games in the United States.The CCBC season begins in late March with playoffs set for May.Other teams in the CCBC include Kelowna’s Okanagan College, Vancouver Island Baseball Institute of Nanaimo, University of Calgary and Prairie Baseball Academy.Miller also plays for Kamloops Sun Devils in the Pacific International summer league.Miller, 20, an infielder for TRU, is entering his third season with the WolfPack in the Arts faculty.last_img read more

The Plants That Didn’t Evolve

first_img(Visited 395 times, 1 visits today)FacebookTwitterPinterestSave分享0 Here’s a look at recent botanical news stories that should offer plenty of opportunities for evolutionists to show how plants evolved.Model of ancestral flower. (Copyright: Hervé Sauquet/Jürg Schönenberger)Those DAM flowers: Desperate to honor King Charlie in the story of flowering plants, news reporters went wild after hearing a press release from the Royal Holloway University of London that announced, “Revealed: what the first ever flower looked like.” Responses from the Darwine-drunk media were predictable, especially since the University of Vienna‘s press release included an imaginary flower graphic which inebriated editors could easily copy and paste into their breathless headlines:Did the first flower look like this? (BBC News): “All living flowers ultimately derive from a single ancestor that lived about 140 million years ago, a study suggests.”What the first flower on Earth might have looked like (New Scientist): Listen carefully to what reporter James O’Donoghue says: “Three was the magic number for the very first flowering plant. The largest study into their early evolution has concluded that its flowers probably had petal-like tepals [sic; sepals] and pollen-bearing stamens arranged in layered whorls of three. It bore similarities with magnolias, buttercups and laurels – but was unlike any living flower.”What flowers looked like 100 million years ago (Science Daily): “No one knows exactly how this happened, and the origin and early evolution of flowering plants and especially their flowers still remains one of the biggest enigmas in biology, almost 140 years after Charles Darwin called their rapid rise in the Cretaceous ‘an abominable mystery’.”“These results call into question much of what has been thought and taught previously about floral evolution!“There it is: the DAM Law (‘Darwin’s Abominable Mystery‘) making its inevitable appearance. So what is all the hype based on? When the fogma is cleared away, we find nothing to help soothe Mr. Darwin’s stomach ache. On the contrary:36 researchers from 13 countries, including Royal Holloway, University of London have reported results from the ‘eFLOWER project’. Among the most surprising results from the project is a new model of an original ancestral flower that does not match any of the ideas proposed previously – shedding new light on the early evolution of flowers as well as major patterns in floral evolution across all living flowering plants.There is no such flower on earth. It’s made up by giving some artist the traits the evolutionists think must have been present in the ancestor. Even so, clearly this ‘ancestral flower’ is all flower, and a complex one at that. It has stamens, pistils, sepals, whorls, petals and all; quite pretty, actually, perhaps worthy of being in a modern flower arrangement. The press release admits it has a ‘modern appearance‘ and makes a big deal of the fact that the new model overturns previous ideas. “An old assumption disproved” one sub-heading reads. “These results call into question much of what has been thought and taught previously about floral evolution!” one researcher shouts. So much for everything you were taught.Despite the promise that this model “sheds light” on the evolution of flowering plants, it doesn’t help Darwin’s case for his disciples to show off a very complex, fully-modern-looking flowering plant as the ancestor. The depth of this problem for Darwinians can be sensed by listening to them confess utter ignorance about the origin of one of the most successful groups of organisms on earth – the angiosperms –Flowering plants (angiosperms), with at least 300,000 species, are by far the most diverse group of plants on Earth.They include almost all the species used by people for food, medicine, and many other purposes. However, flowering plants arose only about 140 million years ago, quite late in the evolution of plants, toward the end of the age of the dinosaurs. Since then they have diversified spectacularly.However, no one knows exactly how this happened. The origin and early evolution of flowering plants -especially flowers still remain one of the biggest enigmas in biology, almost 140 years after Charles Darwin called their rapid rise in the Cretaceous “an abominable mystery”.A look at the materials & methods used by the evolutionary team in Nature Communications shows multiple instances of incestuous assumptions, where they used Darwinian phylogenies, Darwinian timelines, and Darwinian molecular clocks to infer ‘ancestral’ traits. The fact that after all this DIDO divination they still ended up with a modern-looking, complex flower as the ancestor would seem to indicate, to an unbiased observer, that evolution really had little to do with the abrupt appearance of flowers. The authors say nothing about mutations, the fountainhead of all innovation in the imaginations of neo-Darwinists. And the very phrase that made Darwin famous—natural selection—does not appear in the paper either, except for a couple of fact-free, offhand speculations that some traits might have given flowers a ‘selective advantage’ here or there. For example, “What does this scenario of early whorl reduction tell us about the evolutionary forces at play?” [Note to Nature editors: evolution is not a force.]  “We propose that early reduction in the number of whorls of ancestral flowers presented selective advantages that eventually led to the extinction of its original, multiparted floral groundplan.” This speculation hardly rises above the level of anecdote. Besides, reduction and extinction are not what Darwin needs! It appears DAM just got more abominable.Dodging the issue in bladderworts: Certainly the most interesting traits in bladderworts, aquatic carnivorous plants, are their lightning-fast traps that accelerate at 600 G’s (2/17/11). A paper in PLoS One about the evolution of carnivorous plants, however, only discusses variation in mitochondrial genome size in the members of the genus Utricularia, never mentioning how the incredible traps in those angiosperms could have emerged by a Darwinian process. There is no mention of mutation or selection. Readers wishing to hear about the evolutionary appearance of the “amazing piece of mechanics” that allows these traps to fire hundreds of times will have to keep looking.Dear readers: we give you links to the very best evolutionary evidence from the leading journals and academic institutions. You can read what they say and see if it sounds convincing. But when you strip away the fogma, the Darwin Flubber and perhapsimaybecouldness spikes; when you are not intimated by Jargonwocky; when you disallow incestuous Darwinian assumptions; when you examine their methods; when you just look at the raw data and see what it indicates, what do you find? Creation! All the Darwinese reduces to hot air and storytelling. Evolution is a narrative gloss painted on the facts, not an inference from the facts themselves. Darwin paint turns beautiful flowers into black, hideous products of the Stuff Happens Law. Tomorrow we will provide more examples to rub it in. People need to see the how the Darwin Party subverts science into Darwinolatry.last_img read more

KZN capital tops on 2013 MTB calendar

first_imgRounds of the UCI BMX Supercross World Cup took place in the city in 2011 and 2009, while, in road cycling, the UCI-backed Intakatech World’s View Challenge was hosted in 2008. “With our proposal to the UCI to host both Elite and Masters World Championships events one week apart at the same venue, the UCI have now changed their ruling and all future Masters World Championships will be hosted by the same country as that of the main elite, under-23 and junior event in future,” said Lenferna. Instead of seeing Pietermaritzburg hosting the opening leg of the UCI World Cup during March/April, South Africa’s cycling city will instead be hosting the UCI Mountain Bike World Championships from 26 August to 1 September. The city also hosted the UCI BMX World Championships in 2010, when Sifiso Nhlapo, claimed silver for South Africa in the men’s elite division. Furthermore, South Africa will also play host to the annual UCI MTB Masters World Championships, which is scheduled to take place a week prior to the elite event from 21 to 25 August. Event organiser Alec Lenferna says that this is an opportunity that will take many years before it repeats itself again. 17 July 2012 Last year, Pietermaritzburg became part of the UCI World Cycle Tour with the addition of the Msunduzi Road Challenge. This year, the event will serve as the UCI World Cycling Tour final. “This is the second biggest UCI event after the Road World Champs, and an opportunity like this does not come around often. “The Mountain Bike World Championship event is a very big deal,” he explained. No qualification criteria is needed to enter, making it a huge opportunity for local cyclists, but, for South Africans, the best way to test their skills in the crops-country and downhill disciplines is to participate in local provincial and national events before they commit to the Masters Worlds.center_img MastersThe Masters event is open to all non-elite cross-country and downhill participants and is a hot favourite with the team mechanics and support crews of the elite teams that will be racing a week later. Rare opportunity“It could be another 12 to 15 years before South Africa gets the opportunity to host a world championship again.” Masters’ definition The word “Masters” refers to all non-elite riders from any of the 30+ age categories, including sub-veterans, veterans, masters and grand masters. Would you like to use this article in your publication or on your website? See: Using SAinfo material Unlike the previous four years, where the UCI Masters Worlds was held in Brazil, the Masters will now be held in the same country as the host of the elite World Championship events in the future, thanks to a South African initiative. World cycling’s governing body, the Union Cycliste Internationale (UCI), recently released its mountain bike calendar for 2013. For South African fans of the sport, it will look a little different, but there is a good and pleasing reason for that. SAinfo reporter Lenferna also confirmed that Pietermaritzburg would host the UCI MTB World Cup opening rounds once again in 2014 and 2015. Cycling events in PietermaritzburgThe city previously hosted the UCI Mountain Bike World Cup in 2009, 2011 and this year, when home town boy, Greg Minnaar won the downhill for a second time, and Burry Stander, who hails from Port Shepstone on the KwaZulu-Natal south coast, finished second in the cross-country.last_img read more

Equine Therapy to Combat PTSD

first_imgEmail Address First Name Last Name Equine therapy has become a unique practice in helping service member and veterans who may be experiencing posttraumatic stress disorder (PTSD). In addition, research has shown improvements within the family structure through this therapeutic approach to combating PTSD.Horses are prey animals responding to new and potentially dangerous situations with a flight or fight response, most often flight. Due to their natural instincts and intuitiveness, horses can sense the anxiety, frustration, and stress of someone approaching them. They are considered mirrors to your current emotional state, meaning approaching a horse in a calm and relaxed manner; the horse will remain calm and relaxed. However, if a horse is approached by someone that is tense and unsure the horse becomes tense and unsure, then responds by their natural instinct of either flight or fight.Horses pay attention to our body language, and react accordingly. One of the strategies for helping service members with PTSD through the use of horses is to help them understand the way they are approaching others and relate their experience back to themselves. Another method is for individuals to learn through the use of therapy horses how to recognize their current emotions and change them. In order to approach the horse, the person has to calm themselves and relax so that the horse will follow suit. Although in the exercise the service member’s goal is to approach, ride, or take care of the horse. They can then apply these goals from the exercises in other areas of their life.Watch and listen as veterans provide testimonials on the use of equine therapy to heal their invisible wounds at the Boulder Crest Retreat in Bluemont, VA. Subscribe to our mailing list for monthly eNewsletterscenter_img This MFLN-Military Caregiving concentration blog post was published March 18, 2016.last_img read more