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Interactive Guide to the Appalachian Trail

first_imgIt is the most honored and storied footpath in the world. It stretches 2,175 miles from Georgia to Maine, and some people hike it from end to end. Shelters along the trail allow you to sleep and commune with mice. But that’s about all that most people know about the Appalachian Trail.BRO’s Massive and Important Guide to the Appalachian Trail—the Southern Half—digs deeper into the country’s longest ribbon of dirt. Our guide includes interviews with thru-hikers, training tips, detailed descriptions of the best section hikes, and a mile-by-mile map of trail highlights.Click markers on the map below to get the details on the best places on the Appalachian Trail. View Appalachian Trail Guide in a larger maplast_img read more

Sections take positions

first_img Sections take positions Sections take positions March 15, 2005 Regular Newscenter_img Five new legislative positions have been authorized for the Real Property, Probate and Trust Law Section and three for the Business Law Section following recent action by the Bar Board of Governors.Sections are given great latitude on issues in which they wish to lobby, provided the matter is within their subject area, does not conflict with a Bar-wide legislative position, and does not cause a deep emotional or philosophical division among a significant portion of the Bar’s membership.The board okayed the sections’ requests acting on the recommendations of the Legislation Committee.The Real Property, Probate and Trust Law Section had these positions authorized:• Supports amending §§701.02 (Assignment of Mortgages) to conform it to revised UCC Article 9 and provide that: 1.) perfection of UCC security interest in a pledged mortgage is governed solely by the UCC and not by §§701.02, and 2.) filing of a UCC financing statement is not “notice” under §§701.02 and does not affect reliance rights of creditors and bona fide purchasers without notice with respect to instruments executed by the “mortgagee of record” as determined under §§701.02.• Supports amending §§704.01(2) to provide landlocked landowners with a statutory way of necessity.• Opposes Section 2 of Senate Bill 298 creating §§117.055, which requires that notaries keep a detailed journal of all notarial acts including: the date, time and type of notarial act; the date, type and description of each document; the name of the signer; and description of the evidence of identity.• Supports changes to the Florida Construction Lien Laws governing conditional payment bonds and changing procedures for determining whether a claim will be covered by such bonds.• Technical Assistance — The section does not oppose House Bill 113 as originally drafted, but favors additional changes to numerous construction bond and lien statutes.The Business Law Section has these positions authorized:• Supports legislation consistent with the Supreme Court of Florida’s November 30, 2004, certification of need for additional judges.• Technical Assistance — The section offers technical assistance to the Florida Legislature with respect to the proposed Florida Trademark Act, F. S. Ch. 495.• Supports the following clarifying amendments to the Uniform Commercial Code: 1.) add new subsection (4) to §§679.623, to read: ‘‘The debtor retains all of the debtor’s rights in collateral, including title if the debtor has title, until the secured party has completed one of the actions in subsection (3)”; and 2.) add new subsection (4) to §§679.609, to read: “neither title nor legal or equitable ownership pass to the secured party by taking possession of collateral after default unless the secured party acquires ownership by purchase pursuant to §§679.610 or by acceptance in satisfaction of the obligation pursuant to §§679.621 and §§679.622.”last_img read more

Millennials and credit unions: What they want, and how they want it

first_img 54SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Daniel Curren Offering over eight years of experience in the fields of communications, marketing and media. Specializations include writing and editing, marketing plan development and implementation, data analysis and strategic insight, public … Web: www.cusolutionsgroup.com Details By now, you’ve probably read plenty of articles and had numerous marketers tell you that mobile apps and responsive design are the future of digital banking and finance. Well … yes, and no. We can no longer refer to digital tactics and technologies as the future; they are the resounding present, and aren’t going anywhere soon.A 2014 study conducted by the Fair Isaac Corp. (FICO) concerning the banking habits of young adults, shows that 90 percent of Millennials access the Internet via smartphone and 63 percent with a tablet. Whether or not your credit union determines it prudent to develop mobile check deposit or other banking apps, it is critical that your site be at least viewable and visually appealing on a mobile device.But reaching Millennials is more than just digital tactics and mobile capability. This is a generation with a different set of expectations and values. Marketers have to remain cognizant that the country suffered one of the most significant economic downturns in recent U.S. history right about the time many of these individuals were getting their first lessons in finance and real-world economics. These lessons were internalized and tentativeness is now at the foundation of many young adults’ decision-making process concerning finance.This is supported by many of the findings of the FICO study and there are several key takeaways worthy of attention. First, and most revealing, is that Millennials are found to be five times more likely than those over the age of 50 to close all accounts with their primary financial institution. Perhaps it is the ease of breaking off a relatively unestablished relationship, maybe it’s a product of the instant gratification and ultra-convenience of the digital age, or simply the sheer volume of choice in today’s market – but the conclusions are clear: The opportunity to woo these young accountholders away to a better solution does exist.The question then becomes: What constitutes a better financial institution in the mind of young adults? The decisive responses from numerous studies show that the answer is the same for both young and experienced accountholders alike: lower account fees. This is no surprise to many in the industry and should be a slam-dunk issue for credit unions. In MCUL’s own 2014 CU Difference Study, the message of “lower fees and better rates” resonated, and was retained at the highest rate by all age groups of Michigan household financial decision makers.A lack of service and respect is another sore spot among Millennials. Negative experiences with an institution’s representatives is reason enough to send many young adults in search of greener pastures, and is another area in which credit unions routinely outperform banks. The findings of the CU Difference Study suggest that credit unions outperformed banks in customer service, feeling like a member, trust that their institution is doing what is in their best interest and confidence that their institution is the best place for their financial needs.Finally, and perhaps most surprising, is the importance Millennials place on ATMs. One could speculate that this generation’s proclivity toward debit transactions and online bill pay reduces the need to stop into their local branch. For those rare occasions they need cash, they need quick access to an ATM (and would certainly prefer that it be fee free). Conceivably, this is the biggest win for credit unions. Michigan credit union members can access their money at more than 1,650 fee-free ATMs across the state.When we consider marketing efforts geared toward young adults, the conversation is often dominated by methodology and channel – and this is indeed important – but message should be given just as much credence. Studies show that based on their own assertions, credit unions systematically and categorically meet the needs of Millennials better and more often than banks. Be confident, step to the plate and deliver your message.last_img read more

Executing on our 2020 vision

first_imgHappy New Year and welcome to a new decade. The dramatic changes from 10 years ago have given us both challenges and immense opportunities. Many of us spoke about 2020 and how we were getting our financial institutions prepared – well, we are finally here.First, with immense gratitude I want to acknowledge the over 1400 executives who responded to my survey. I asked them to share with me the challenges that they have, the opportunities that they can avail, and how they plan to climb their “mountain.”So, what keeps us up at night? Here are some of the top concerns you shared:How are we perceived as a brand? Yes, our consumers trust us but question our ability to serve them across channel, be accessible 24×7, and provide a complete spectrum of financial services products. What can we do to raise our stature as a full-service financial institution?How can we do more with those we serve? The consumer we serve does a lot with us but they do more with our competition. We need a strategy to win them over so we can enhance our fair share of wallet. How do we build long-term loyalty?What is our branch strategy? Do we need a branch? How many hours should we keep our branch open? What size should our branch be? Should we offer remote services (video-tellers) via our branches? Should we close our branches?What is the best way to run a digital branch? Do we need a digital branch manager? How can our digital channel support our other channels especially our branches? Where should the digital branch reside within our organization?How can we leverage technology effectively? What do we do with all our legacy independent platforms? Can we unite our systems? Can (why can’t) we deliver solutions faster? Are we prepared for open banking? Can we deliver IT as a managed service?How do we protect the information and assets we have? How do we secure transactions? How do we balance fast service with security?How do we attract talent? What can we do to develop and retain the talent that we have? How do we build a sales culture and enhance the service culture within our organization?Can our burden of compliance be truly understood by regulators? Can the same rules be enforced on other financial solution providers especially Fintech? Can we simplify compliance?We hear things about AI, RPA, big data – what should we do? Where should we invest? How do we measure the success of these initiatives?Where should we invest to find new consumers? How much should we spend on acquiring new consumers? How do we measure the success of our marketing?How is the economy going to affect our financial institution? What should we be doing to prepare our consumers for a recession? What can we best prepare for a recession?How do we build and deliver exceptional experiences?So, what can we do to address these concerns and chart our course beyond 2020? Here are 12 key things we need to address:Deliver on intuitive experiences. In addition to designed experience enhancements, we need to leverage RPA and AI to automate the mundane and do more to drive consumer engagement.True, rich and deep personalization with real-time insight. We know a lot and should be able to quickly access information to turn it into actionable insight that is available.Omni-channel journeys are an absolute must. In addition to consistency across channel, the consumer should be able to start a transaction in one channel and complete in another.To become the preferred financial institution, we have to become top of wallet – not just payments but money movement. We do this by focusing on everyday transactions – this builds affinity.We have to protect those we serve and the information we have. Biometrics will speed up authentication and information access. Our people need to be trained to counter social engineering.Our data strategy should be pronounced and part of a long-term journey. Remember the five steps for actionable data – collection, validation, visualization, prediction, and prescription.IT should be a differentiator and we need to create a foundational information technology blueprint. The consumers we serve expect app-based ease in every transaction.Invest in our people – teach empathy, technology, and financial best practices. Our people need to mentor those we seek and serve – we need to invest in enhancing our expertise.Measure ROI in everything including consumer satisfaction and the LTV of the consumer we serve. Five measurement metrics – engagement, cost, income, efficiency, and compliance.Build a stable, thriving financial institution. Focus on efficiency and growth – more products per consumer, reduced transaction costs, and increased profitability.Make our strategic planning process actionable. Design this process as a continuous improvement initiative.Deliver on our purpose – karma is real. It is about financial betterment, enriching peoples lives. Even the world’s largest retailer focuses on their mantra of “save money, live better.” 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Sundeep Kapur Sundeep has been assisting financial institutions with their omni-channel strategies – a more effective branch, a better online experience, & great consumer engagement. He is the author of an online … Web: www.emailyogi.com Details As we think through these initiatives here is some more food for thought:We have to deliver on better experiences through a combination of AI, biometrics, and enhanced human experiences. Remember, technology can free up time for humans.Our branch will be our hub. Our focus should be to transform consumer experiences across channel via the branch. Branch, digital, contact center, digital, AI, digital – journey as one.There is too much noise in the big data space – many charlatans loom. Be careful and take prudent steps to have an executable and nimble big strategy.IT is strategic. IT is strategic. Yes, I know I have repeated it. IT needs a seat at the top of the table and you can only be strategic if you consider having managed services to support IT.If you want to do more for those you serve – look at everyday payments’ aka money movement. Build a money movement strategy to support your growth.If you would like to join a webinar (January 14, 2-3 pm EST) where we will talk through these initiatives, please use this link to sign up. With sincere gratitude, I wish you the very best for a phenomenal year, and decade. Cheers!last_img read more

Lending in 2021

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Mike Schenk (CUNA photo) This post is currently collecting data… One fact is clear in the face of uncertainty presented by the coronavirus (COVID-19) pandemic: Credit unions have shined in their efforts to support members, says Mike Schenk, CUNA’s chief economist and deputy chief advocacy officer.Schenk, who addressed the CUNA Lending Council Virtual Conference, cites these statistics about credit unions’ response to the pandemic:95% provided loan modifications.90% waived fees for members.80% introduced new loan products to meet members’ needs.Plus, credit unions facilitated more than 170,000 Small Business Administration Paycheck Protection Program loans, averaging $49,000 each. This is placeholder text continue reading »last_img read more

Plan for 2021 with confidence

first_imgAre you struggling to pay for services to meet consumer demand during the pandemic?Even before COVID-19 disrupted this year’s strategic plans, demand for more convenient banking services was on the rise. According to a survey by TransUnion, 61% of consumer banking transactions in 2019 were conducted on mobile phones—up from 28% in 2014. Eight months into the pandemic, the demand for safe, contactless service continues to increase. As the 2021 planning season has begun, many credit unions are wondering how they will pay for upgrading existing capabilities or implementing new technology-driven service initiatives to meet member demand—while achieving their performance goals. And even though non-interest income sources remain limited right now, there are effective ways to offset the costs of providing the services that members have come to expect—like contactless payments, smart ATMs, remote deposit capture—and updating software to improve service functionality and efficiency. Generate improved revenue and service results with your overdraft programIt’s true, technology and innovation will be key factors in meeting service expectations and are essential to remaining competitive in the future. But it’s imperative to make sure the services offered are designed and maintained to effectively address members’ most pressing financial needs, both now and as conditions change. When properly managed, a high-performing overdraft program also can provide the income necessary to fund strategic initiatives to update existing systems or implement new technology to improve member service and strengthen your credit union’s bottom line. For instance, the opportunity to reinvest overdraft fee revenue can help you enhance member services with new programs—such as safe, convenient online and mobile banking capabilities—or improve the value of existing services like rewards programs. Oftentimes, this is difficult for institutions to undertake when they are struggling with income.For best results, an overdraft strategy should be customizable to meet your credit union’s unique situation. This includes working with a provider that offers the resources necessary to strengthen any areas that may be underperforming and provides the support of industry experts who can help to strengthen improvements in revenue, member service experiences, employee knowledge and confidence, and compliance peace of mind.Uncover savings and revenue opportunities with vendor contract negotiationsWhile earnings have taken a hit and interest rates have remained low since the beginning of the pandemic, expenses have increased in some unexpected places—due in part to the additional costs required to allow employees to work effectively from home and to maintain the proper precautions to keep staff and members safe in facilities that offer in-person service. And while the outlook for how long an economic recovery will take remains uncertain, you can make a positive impact on your credit union’s immediate and long-term performance by reviewing the contract terms of the services you use every day.Vendor contract negotiations can identify pricing strategies that result in substantial savings. Not only can this enable you to provide some top-of-the-line products to your members, it also can preserve a healthy partnership with your current vendor if you want to maintain that relationship. Whether you have one or multiple contracts coming due for renewal, a professional assessment can really pay off. Just make sure you choose a contract professional who has a track record of negotiating five, six and even seven-figure savings for the types of contracts you are having reviewed and who knows what to ask for on your behalf. This will allow you to take advantage of effective negotiations skills without adding to the workload of your staff or taking them out of their comfort zone.Proven revenue and cost-saving strategies bring optimism during a time of uncertainty As we prepare for a New Year, there are many unknowns ahead. But it’s important not to delay in putting the services in place to meet members’ ongoing financial needs, if you want to maintain top-of-mind awareness in your community. But, as you know, doing so can be costly. By implementing a fully disclosed overdraft program and taking a look deep into the cost of vendor contracts, you can find ways to pay for services that your members demand and save money at the same time. Plus, when these services are contingency-based, they can actually pay for themselves, making this a win-win proposition for credit unions that are looking for ways to recover from 2020 and prepare for the opportunities that are ahead in 2021. This is placeholder text 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jill Fox Jill joined JMFA in 2012, with more than 15 years of experience in many aspects of banking operations, including customer service, sales, branch management, lending, technology and core data processing. … Web: https://www.jmfa.com Detailscenter_img This post is currently collecting data…last_img read more

Coram Man Killed in SUV Crash

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 29-year-old Coram man was killed when he crashed his SUV in Middle Island early Wednesday morning.Suffolk County police said Isaiah Lee was driving a Chrysler Aspen southbound on West Bartlett Road when his vehicle left the roadway and struck several trees as he attempted to turn left onto East Bartlett Road in at 12:03 a.m.The victim was taken to Brookhaven Memorial Hospital Medical Center in East Patchogue, where he was pronounced dead.Sixth Squad detectives ask anyone with information on this crash to call them at 631-854-8652.last_img read more

Studies find irradiation suitable for cilantro, sprouts

first_img Bari M, Al-Haq M, Kawasaki T, et al. Irradiation to kill Escherichia coli O157:H7 and Salmonella on ready-to-eat radish and mung bean sprouts. J Food Prot 2004: 67:2263-73 [Abstract] Chlorination alone reduced E coli counts by more than 1 log, and irradiation alone at 1.05 kGy led to a 6.7-log reduction, the authors reported. Chlorination is commonly used to disinfect produce, but it does not completely eliminate pathogens, the researchers note. The combination of chlorination and irradiation reduced E coli counts more than 7 logs. Nov 29, 2004 (CIDRAP News) – Irradiating fresh cilantro and sprouts can reduce levels of potentially dangerous microbes without affecting flavor or other sensory attributes, according to two studies published recently in the Journal of Food Protection. Denise Foley and colleagues at Chapman University in Orange, Calif., examined the effects of irradiation on fresh cilantro. They note that the FDA identified cilantro as one of the products most often contaminated in tests of imported produce in 1999. They inoculated cilantro with Escherichia coli O157:H7 and then exposed it to a chlorine solution (200 ppm) or low-dose gamma irradiation, or both. Food irradiation entails exposing food to ionizing radiation in the form of gamma rays, high-energy electrons, or x-rays. The Food and Drug Administration (FDA) has approved low-dose irradiation of fresh fruits and vegetables to inhibit sprouting and control insects, but not to reduce pathogens. Similarly, the FDA has approved irradiating seeds to limit sprouting, but has not approved irradiation of sprouts to control pathogens. (Dried herbs and spices can be irradiated at higher doses to control pathogens.) Irradiation reduced levels of both microbes to nondetectable limits, the report says. There was no significant impact on the color, firmness, or overall visual quality of the sprouts. The researchers did note that the vitamin C content was gradually reduced with higher radiation doses. However, they determined overall that irradiation could be useful in reducing pathogens on sprouts while retaining acceptable food quality. The US National Advisory Committee on Microbiological Criteria for Foods (NACMCF) has described sprouts as a special problem because of the potential for pathogen growth during sprouting. If pathogens are on or in the seed, the environment favorable for sprouting may also encourage the growth of microbes. There is no inherent step in the production of raw sprouts to reduce or eliminate pathogens, according to NACMCF literature. Contaminated seed is the likely source for most reported sprout-associated outbreaks. In the second study, M. L. Bari and colleagues at the National Food Research Institute in Tsukuba, Japan, irradiated ready-to-eat radish and mung bean sprouts. Foley D, Euper M, Caporaso F, et al. Irradiation and chlorination effectively reduces Escherichia coli O157:H7 inoculated on cilantro (Coriandrum sativum) without negatively affecting quality. J Food Prot 2004: 67:2092-8 [Abstract] A panel of eight trained evaluators assessed the odor, flavor, and visual characteristics of cilantro irradiated at doses of 1.05 to 3.85 kGy. They found no significant differences between the irradiated herb and nonirradiated control samples immediately or after 7 and 9 days. Bari and colleagues note that it is hard to clean the surface of fresh produce, in part because excessive processing could release nutrients that further encourage pathogen growth. The researchers inoculated mung bean and radish sprouts with E coli and Salmonella and then irradiated them at doses of 1.5 and 2.0 kGy, respectively.last_img read more

Aminess is building the first hotel for employees

first_imgThe hotel with all the prerequisites for participation in the commercial market will be ready for the 2020 season. So Aminess announced today that it has started building a hotel for its employees in Novigrad. The location of the new hotel in Novigrad, which stretches over 2.500 square meters, is only ten minutes away from the farthest Aminess building. The hotel will have a reception, shared kitchen with dining area, parking and an indoor storage room for bicycles, while the rooms will mostly be double with private bathroom, French balcony or terrace, modern furniture and TV and heating and cooling system. In addition to free Wi-Fi access, employees will also have access to a common area with a living room, and specially equipped rooms for washing, drying and ironing clothes. “Satisfied and happy employees are the key to a company’s success. Therefore, in addition to the benefits we offer, we decided to build a hotel for employees where they will feel comfortable. In this way, we will offer all employees who come from other parts even better quality accommodation with numerous benefits”, said Sanja Žužić, Head of Human Resources, adding that Aminess continuously invests in improving the working conditions of all its employees as an ideal place to work, learn and progress.  “This is proven by the Employer Partner certificate that Aminess received for the third year in a row. In addition, Aminess has one of the highest bases for calculating salaries in tourism and the possibility of a monthly net allowance that rewards employees in accordance with the quality of work and treatment of guests. ” concludes Žužić.center_img AMINESS LAUNCHES “AMINESS GOURMET LAB” WITH THE PURPOSE OF EDUCATION OF CHEFS, WAITERS AND BARMEN Travel company Aminess joins the list of travel companies that have built or are building a hotel for their employees. RELATED NEWS:last_img read more

PROBE DEMANDED: Opposition legislator wants police investigation into FIFA bribery allegations

first_img Sharing is caring! NewsRegional PROBE DEMANDED: Opposition legislator wants police investigation into FIFA bribery allegations by: – June 1, 2011 Share Tweet 21 Views   no discussionscenter_img Share Share PORT OF SPAIN, Trinidad, CMC – An opposition legislator Tuesday called on Police Commissioner Dwayne Gibbs to launch an investigation to determine whether Trinidad and Tobago was used as a venue for the alleged payment of bribes to members of the Caribbean Football Union (CFU).Senator Fitzgerald Hinds, a former junior national security minister, told the Senate that the authorities, including the Comptroller of Customs must also investigate whether any person declared more than the stipulated amount foreign currency into the country.“I am calling on Mr. Gibbs, the Commissioner of Police, don’t leave everything up to any international organization…since a crime may have been committed in Trinidad and Tobago,” Hinds said. “I am calling upon the Comptroller of Customs to check the records to see whether large amounts of US currency was legally imported into Trinidad and Tobago without declaration.”Football’s world governing body, FIFA, on Sunday pledged to investigate bribery allegations against its vice president, Austin Jack Warner, former presidential candidate Mohamed Bin Hammam and two CFU officials.FIFA has temporarily suspending them from activity connected with the game.Warner and Bin Hammam have been accused of offering US$40,000 to national associations of the CFU at a meeting on May 10 and 11 here, in return for their votes in the FIFA presidential election.Bin Hammam was due to face incumbent FIFA president Sepp Blatter for the top post in the game in an election on Wednesday in Zurich, Switzerland, but has since withdrawn his candidacy.CFU officials Debbie Minguell and Jason Sylvester were also suspended until a full investigation into bribery allegations against them was conducted.Warner has said he will defend his reputation and challenge the allegations and Prime Minister Kamla Persad Bissessar has vowed publicly to “stand” by her embattled Works and Transport minister, who is also chairman of her United National Congress (UNC), one of the five parties in the coalition People’s Partnership government.On Tuesday, Legal Affairs Minister Prakash Ramadhar, who announced that he is a candidate to contest the leadership of the Congress of the People (COP) Party, told reporters that Warner should step down until the investigations are completed.Ramadhar acknowledged that the country had also been affected by the FIFA scandal.“It is bad for football and it is bad for the country,” Ramadhar added.The COP, which is a member of the coalition government, has publicly called on Warner to detp down pending the outcome of the probe.last_img read more