ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Growing deposits, affordably, to meet loan demand was easily the leading challenge credit union leaders identified in Callahan’s 2019 Executive Outlook Survey. The respondents also generally reported stable to strong economies in their local markets, with some exceptions in rural areas dependent on a single industry, such as mining.A few respondents also expressed fears of a coming recession in the eighth annual year-end survey, and a couple cited growing delinquencies as an area of concern. Local challenges included high housing costs and home affordability, and across the country, many leaders noted it was only getting tougher to find good help.In the nearly 250 responses, competition from credit unions, banks, and non-banks frequently appeared, as was the need to grow membership and provide a better digital and branch experience.Callahan’s 2019 Executive Outlook Survey asked respondents to consider their local market, challenges, and investments to address those challenges. The following pages contain a selection of excerpted answers. The home state and asset class of the respondent’s credit union follow the responses. continue reading »
Alabe was driving the barangay-ownedtricycle when he lost control and hit a stone, causing the vehicle to turnedupside down. ILOILO City – He was driving a tricycle ona road in Barangay Buntatala, Jaro district when he figured inan accident. The Iloilo City Emergency Response teamimmediately treated Alabe and eventually permitted him to go home./PN Scott Alabe, a Sangguniang Kabataan chairmanof Barangay Tagbak, also in Jaro district, sustained bruises on the body, apolice report showed. According to the police, the incidenthappened around 7 a.m. on Friday. Alabe’s four other companions who wereonboard the vehicle meanwhile were all unharmed.
DES MOINES — The first female speaker of the Iowa House is stepping down.“It’s been a huge privilege and honor to do the job, whether you’re male or female, but I’m particularly I guess touched and privileged that I got to be the first woman to do it,” House Speaker Linda Upmeyer of Clear Lake told reporters this afternoon during a news conference on the House floor.Upmeyer will serve out the last 14 months of her current term in the Iowa House, but she told her Republican colleagues earlier today that they should choose a new speaker to take over in January when the 2020 legislature convenes.“The last few years I’ve known the end was in sight. You know, I wasn’t sure exactly when, but I knew I was getting ready to spend more time with family, do other things,” Upmeyer said. “and it just became a really sharp contrast this spring and summer when the family was here that that’s what I needed to do.”Upmeyer, who is 67 years old, told reporters she wants to spend more time with her grandchildren who live in the Des Moines area and Washington state.“And my husband will appreciate having me around a little more, I think. We’ll find out, I guess,” Upmeyer said, laughing.Upmeyer, though, indicated she’ll help other GOP candidates run for office and might take another job in politics, if one materializes.“You never when an amazing opportunity and something you’re really interested in doing comes up and I would never rule that out,” Upmeyer said, “but for right now, I’m going to take an opportunity to go visit some family and go do some things.”Upmeyer, who lives in Iowa’s fourth congressional district, did say she will not run in the GOP primary against Congressman Steve King.Upmeyer told reporters she has no regrets about her tenure in the legislature.“You know people ask you when you start in the legislature and after you’ve served a few years: ‘How long are you going to stay? How long do you think you’ll be around?’ And I can remember when I was elected and I saw people that were here like 10 years and I thought: ‘Wow, 10 years here. Are you kidding me?’ Well, here I am,” Upmeyer said. “I’m at 17 and it will be 18 (years).”Upmeyer will turn over responsibility for the House elections in 2020 to her successor. It’s what happened to Upmeyer in November of 2015 when House Speaker Kraig Paulsen stepped down mid-term and Upmeyer became speaker-elect. Upmeyer said it let her guide the legislative record the House GOP would run on and, as speaker, she was better able to raise money for the campaign.“All of those things I found helpful, so I think that was a good thing to do for my successor,” Upmeyer said, “and I can still help in the background, in the wings and maybe kind of double-down on the opportunity.”House Republicans will meet in the next seven to 10 days to choose Upmeyer’s successor and that person will have the title of Speaker-elect until January when the full House elects its speaker.Upmeyer’s father, Del Stromer, was a long-time lawmaker who served as speaker of the House for two years, in 1981 and 1982. Upmeyer currently serves House District 54, which includes Clear Lake, the western third of Cerro Gordo County, all of Franklin County, and the northern and western portions of Butler County.
“I am only here because my name is Cristiano Ronaldo,” the player told the judge, according to the newspaper.Ronaldo had been expected to speak to the throng of reporters gathered outside of the court after the hearing but instead his spokesman Inaki Torres emerged from the building to announce the player “was on his way home”, prompting jeers from the press.Portuguese television SIC reported that Ronaldo aborted the appearance at the podium set up outside the court because the court hearing had gone badly, with many moments of “tension” between him and the judge.Ronaldo is not the only footballer to fall foul of authorities in Spain.His arch-rival, Barcelona forward Lionel Messi, was found guilty of tax evasion last year.Other footballers have also recently run into trouble with Spain’s taxman, some of them already convicted and others under investigation.Share on: WhatsApp Lisbon, Portugal | AFP | Real Madrid forward Cristiano Ronaldo said Tuesday his “brilliance” annoys people, a day after he was quizzed by a Spanish judge investigating whether he evaded paying millions of euros in taxes.“What bothers people is my brilliance, insects only attack lamps that shine!!!!” the Portuguese wrote in an Instagram message that received over a million likes within an hour of being posted.Ronaldo spent over 90 minutes on Monday answering the questions of investigating judge Monica Gomez at a closed door hearing in Pozuelo de Alarcon, the wealthy suburb of Madrid where he lives.Prosecutors accuse the four-time world player of the year of having evaded 14.7 million euros ($17.3 million) in tax.Ronaldo, 32, has denied any wrongdoing. He told the judge he has always filed his tax returns and “never had the intention of evading taxes”, according to a statement from his representatives.Spanish daily El Mundo said the player — the world’s highest paid athlete according to Forbes magazine — implied during his court hearing that he was only being investigated because of who he is.
“I really want you to remember that moment and hold on to it because that’s what’s going to power us to many more championships. Never let that energy drop… I tell you, that propels me.“These past six years have been epic and iconic. We are now legends. Just remember that. When you go home, when you look in the mirror, when you wake up, say ‘I’m a legend’. You’ve got to say that to yourself… ‘I’m a legend’.”By common consent, Hamilton has also become a legend of F1 with an error-free season providing the foundations for the team’s double success.Technical director James Allison pin-pointed him as the key factor in Mercedes’ victory in both championships after a fiercely-fought duel with rivals Ferrari.“You’ve got to say that Lewis this year has just made the difference for us,” he said. “He keeps putting it on pole. And whenever its wet, he’s always at the front. In the races, we can make mistakes and he’ll recover it by doing something unlikely on the track that no-one sees coming.“And he spends a whole year not making mistakes. He’s just the consummate racing driver.”Amid the celebrations, team chief Toto Wolff reminded of their need to avoid complacency and next season bid for an outright record sixth title double, moving them clear of Ferrari.“The job is going to get more difficult every year. We are setting the benchmark at the moment and our competition will get more energised and motivated by us…“All points start at zero next year. We will have forgotten about the five and will fight hard to be in contention for the sixth. Whether we achieve it or not, we will see next year.”Share on: WhatsApp Sao Paulo, Brazil | AFP | Lewis Hamilton hailed his Mercedes team as legends on Monday and described his championship-clinching victory in Sunday’s Brazilian Grand Prix as the best moment in five triumphant seasons.His dramatic success confirmed Mercedes’ record-equalling fifth consecutive double of drivers’ and teams’ championships.It was his 10th victory this season, signalling that he has won 60 per cent of the team’s points, the 72nd of his career and his 50th in the 99 races held in the V6 turbo hybrid era since 2014.“It was an emotional afternoon,” he said.“And, I think, that might be the best moment I’ve had with this team… I’ve never seen the guys so happy.“We’ve been together a long time and the guys are usually happy, but reserved about it. So I was hoping that when I got back the guys could feel what I was feeling. I saw it and I’ll remember that moment for the rest of my life.”The 33-year-old Briton, who plans to celebrate with the team back at their Brackley base on Tuesday, added: “It’s hard to contemplate what’s happened in these last six years. It’s been such an incredible journey and by no means has it been easy for anybody.“It’s just the greatest team effort that I can remember. It’s really awesome.”In a show of emotional gratitude in the garage after Sunday’s victory, he told the race team: “It’s an incredible honour to work with all of you… Seeing you guys after the race, seeing that energy that you guys all had, that happiness can fill a lifetime.
(Visited 20 times, 1 visits today)FacebookTwitterPinterestSave分享0 Rights-based fishery policies can guarantee a rapid rebound of fish stocks, biomass and profits for fishermen.A surprising study in PNAS scores a win for private property, appropriately managed. Though many environmentalists have been worried about the collapse of seafood markets due to overfishing, a dozen scientists from the University of Washington, University of California at Santa Barbara and the Environmental Defense Fund have found a path to recovery: stop “business as usual” policies, and veer toward “rights based” fishery policies. PhysOrg explains how it works:The analysis suggests that implementing reforms such as those based on secure fishing rights are critical to providing the combined benefits of increased fish populations, food production and profits. “Fishing rights” is a fishery management approach that ends the desperate race to fish by asking fishers to adhere to strict, science-based catch limits in exchange for a right to a share of the catch or to a traditional fishing area.“We now have a clear roadmap for how to recover fisheries: Give fishermen secure fishing rights so they can control and protect their future,” said co-author Amanda Leland, senior vice president for oceans at the Environmental Defense Fund. “Countries from the U.S. to Belize to Namibia are leading a turnaround by implementing secure fishing rights and realizing benefits for people and the oceans.“Although they don’t mention the old economic problem of “tragedy of the commons” that drove early pilgrims to near starvation until they were given control over private plots of land, the principle appears the same. Rights to fish certain areas without competition, except for agreement to sustainable catch limits agreed in advance, give fishermen the incentive to protect their areas and make them as productive as possible. Since they know that overfishing would drive them out of business, they would have the incentive to protect and control their future by conserving their fishing rights.This is a win-win situation all around, the scientists calculate after looking at the most heavily-fished areas around the world. Even with the expected rise in world population and seafood consumption, there should be plenty to go around under rights-based fishery policies, if implemented now.Applying sound management reforms to global fisheries in our dataset could generate annual increases exceeding 16 million metric tons (MMT) in catch, $53 billion in profit, and 619 MMT in biomass relative to business as usual. We also find that, with appropriate reforms, recovery can happen quickly, with the median fishery taking under 10 y to reach recovery targets. Our results show that commonsense reforms to fishery management would dramatically improve overall fish abundance while increasing food security and profits.The methods could include cooperatives, territorial rights or individual transferable quotas to achieve the conservation and ecological objectives. Costs to consumers, they figure, are only a fraction of the potential benefits. Some of these benefits have already been seen in the experience of Iceland, New Zealand and Australia. Moreover, it would not be necessary to put some areas off-limits to fishing, because the rebound will more than offset the time to recovery:Our results suggest that some of the greatest economic improvements in fisheries may come more from improving institutions than from improving the status of fished stocks. Furthermore, these gains in profit can occur quickly following institutional reforms, because they do not exclusively rely on stock recovery. Such rapid economic gains can help offset many of the necessary short-term costs associated with stock recovery when catches must temporarily decline to enable recovery.In fact, the tradeoffs are few. It’s good policy all around. Fish will like it, fishermen will like it, and consumers will like it. It seafood prices rise temporarily, they will likely fall when supply increases.Our results suggest that a suite of approaches providing individual or communal access rights to fishery resources can align incentives across profit, food, and conservation so that few tradeoffs will have to be made across these objectives in selecting effective policy interventions.As for seafood prices, they say, “Although we have not explicitly modeled effects of fishery reform on consumers, they are likely to benefit from the catch increases (and price decreases) that arise from fishery recovery.”Rights-based conservation differs drastically from the intuitive tendency of governments and bureaucrats to regulate things. “No fishing” signs could be replaced with licenses for individuals and groups to take ownership of areas, giving them both control of their destiny and incentive to protect it. Such “commonsense” reforms can’t come too soon. Christopher Costello of UCSB says, “Our research reveals a stark choice: Either manage fisheries sustainably and realize the tremendous potential of the world’s oceans, or allow the status quo to continue to draw down the natural capital of our oceans.”Why does it take some people so long to re-learn the benefits of free market economics? Have they never learned about Adam Smith? If these principles seem unfamiliar, take a primer at Prager University (here’s another). Academics and government regulators usually resort to tried-and-true capitalism when some crisis beats them over the head. Their natural tendency is more government, more regulation, and less liberty.God gave us a planet loaded with resources to sustain a large population which He anticipated when He commanded both Adam and Noah to “be fruitful and multiply.” He also gave us Ten Commandments that teach us to respect property rights (Thou shalt not steal, Thou shalt not covet what is thy neighbor’s). Notice that these commandments were given to sinners, not saints. God knows that the recipe for peace and prosperity in a fallen world requires thinking of our neighbor (the customer) as much as we think of our own desires. That’s the foundation of market economics.Exercise: What about endangered species? If tuna fishermen only care about catching tuna, what happens to sea turtles and dolphins caught in their nets? Would rights-based fishery policies help or hurt other species in the area? To what extent should government intrude on rights-based policies? Explain your answer. (Hint: what would the rebound of target species imply for the entire food web?)
Hong Kong: A British consulate employee detained in China has returned to Hong Kong, his family said on Saturday. Simon Cheng disappeared after visiting the neighbouring city of Shenzhen on August 8 and was placed in administrative detention by police. “Simon has returned to Hong Kong,” his family said in a Facebook post, adding he would take “some time to rest and recover”.
United Nations: India has the second largest start-up ecosystem in the world and the median age of founders of these enterprises is only 31 years, a youth delegate from India said at the UN. India’s young population is scripting remarkable success stories, said youth delegate Seema Pujani at an interactive round-table on ‘Looking to the Future: A dialogue on the High-level Political Forum (SDG) Summit’ during the ECOSOC Youth Forum here on Tuesday. Also Read – Thermal coal import may surpass 200 MT this fiscalIndia today has the second largest start-up ecosystem in the world, she said. “With a median age of about 29 years, India is one of the youngest countries in the world. As a substantial segment of the Indian electorate, the youth stand to influence policymaking in the country. “The median age of founders of these enterprises is only 31 years. Youth in India are also behind forging new alliances and partnerships across the government, civil society, business and academia which are critical for achievement of Sustainable Development Goals (SDGs),” Pujani said. Also Read – Food grain output seen at 140.57 mt in current fiscal on monsoon boostYoung Indians are overcoming challenges and shining bright in all walks of life, she said. “Be they athletes like Dipa Karmakar and Hima Das or countless young entrepreneurs, artists, authors, engineers, doctors, lawyers and civil servants, India’s young population is scripting remarkable success stories and making confident strides into the future,” the youth delegate said. Pujani pointed out that youth empowerment and inclusive social development are at the heart of flagship programmes of the Indian government that seek to target gender equality, increased access to financial services, digital connectivity, skill development and higher education, universal health coverage, sanitation and housing for all. India is also among one of the first countries to launch a comprehensive programme for its 250 million adolescent population, focusing on reproductive and menstrual health, she said, adding that so far, close to 7300 Adolescent Friendly Health Clinics have been established and around six million adolescents availed services in a year in the country. Pujani stressed that even as individual countries make their own efforts, international political commitment and resource mobilisation towards capacity building and technology transfer in the areas of education, health and employment generation would have to be forthcoming. “This is an integral part of 2030 Agenda. We hope that collectively we can make the right choices in realising full potential of today’s youth and ensuring sustainable future for all,” she said. On combating climate change, she said that in India, the aim is to achieve development in a sustainable manner by harnessing renewable energy and efficient use of resources. Despite the country’s huge developmental challenges and limited availability of energy, it is taking leadership in this area including international initiatives such as the International Solar Alliance, Pujani said. “Our domestic efforts in expanding solar power have already brought down unit costs substantially to make it competitive. Young people in India are taking leadership role in environmental conservation, especially in the area of waste management,” she said, adding that global action based on equity is crucial to combat climate change and achieve sustainable development envisaged in 2030 Agenda.
SAN DIEGO (KUSI) – UC San Diego announced today it received roughly $9 million in grants for a pair of research projects that will attempt to identify the cellular actions that lead to the development of Type 1 diabetes.The National Institute of Diabetes and Digestive and Kidney Diseases, part of the National Institutes of Health, awarded grants of $3.8 million and $5.1 million to the projects that will study pancreatic beta cells, whichproduce insulin and lead to the development of diabetes when damaged.A research team led by Dr. Maike Sander and Kyle Gaulton, two professors in the UCSD School of Medicine’s Department of Pediatrics, will use the $3.8 million grant to analyze the genes associated with elevated geneticrisk for type 1 diabetes and beta cell functions by using a “reference map” of pancreatic cells.The research team will then use CRISPR gene editing to determine which genes lead to cell survival or death and test that information on a pancreatic organoid, which is being developed with the $5.1 million grant fromstem cells from people with type 1 diabetes.“We are using technology that, for the first time, allows us to create human conditions that mimic type 1 diabetes in a culture dish in order to understand the mechanism or genes by which beta cells are killed,” Sander said.“Our hope is that we can generate the information we need to eventually make beta cells survive in people living with type 1 diabetes.”According to the research team, people with type 1 diabetes may still have beta cells remaining, just reduced in numbers. Identifying ways to improve beta cell survival could eventually lead to improved therapeutic treatment for the disease.“We will activate and deactivate genes we think are involved in whether beta cells live or die,” Sander said. “We want to know what causes the attack on beta cells because no one has been able to identify it.” KUSI Newsroom UCSD research team receives $9M in grants for diabetes research KUSI Newsroom, Posted: August 13, 2019 Categories: Local San Diego News FacebookTwitter August 13, 2019