Seed Consultants Market Wrap Up 7/10/12 with Gary Wilhemi

first_img Financial2Q earnings begin with a soft attitude and even more never anticipation on advanced guidanceEU finance ministers meet again with no results expectedSpanish interest rates climb above 7% which amounts to a monetary cliffHere at home we wait and worry about dropping over a fiscal cliff as tax cuts expire and debt rumbles on.Dow off about 60 points most of the dayS&P 500 near 1350 support level wire to wireCrude oil up $1.20 to $85.77Chinese CPI at 2.2% is in a stall and Japan’s machinery orders were poorGold languishes at $1588Dollar slides 23 to 83.14 but still near its export choking highEuro at 2 year lowLivestockFeeder cattle continue their power dive as corn surges aheadBoxed beef off $1.78 at $190.87Tighter supplies expected next year take April of 2013 to new highsPork cutout came into the week off $.51 with loins down $.78This will be a normal slaughter weekWatch slaughter weights as it is still toasty in the plainsAs feed costs sky rocket I don’t think has any idea on what $170 plus per head losses mean to the meat counterGrain and soybeansCorn last week was 48% good to excellent down for 56% the previous week and 69% last yearSoybeans 45% versus 53%, and 66% a year ago.Watch the conditions report tomorrow morningCurrent yield estimates are around 150 bpa in corn and 42 in beansSoybeans still have a little time to improve but that requires moisture and none is forecastThis is the worst drought since 1988 and maybe back to the 1930’s, but that would take many years of consecutive dryness.Some see El Nino relief in late 2012 or early 2013Corn yield could fall to 140 bpa and after today’s explosive session it is impossible to calculate how high is high.Reduced feed usage, decreased ethanol production and diminished exports will help shape rationingThe WASDE S/D report will be out on the 12thThere will not be a survey crop estimate for a month10:48AMS&P 500 drops under 1350, which was resistance on the way upDow off 60 at 12,710 with support at 12,600, although not majorGold up $9 and crude up $.87Corn, wheat and beans cruise at high altitudesJapanese corn buyers not covered for 4th qt.Black sea port shut down by floodingMeats beat quiet retreat Seed Consultants Market Wrap Up 7/10/12 with Gary Wilhemi SHARE Facebook Twitter Facebook Twitter Financial2Q earnings begin with mixed expectationsThe shadow of last Friday’s poor jobs report is still castEuro is at 2 year lowEU Finance Minister’s meet again with little expectationsSpanish 10 year yield back up over 7%, which is unsustainableEuro actions short term at bestChinese CPI 2.2% equals economic slowingDAX steady to startUS consumer credit may be $9.5b up from $6.5b in AprilUS 10 year down to 5.2%Unemployment benefits top $14 bCrude oil $84.79 up $ .34Gold $1586 $4 betterDollar 83.18 down 19Dow called a little lowerLivestockCash cattle $117 up $1 but remains at a large discount to futuresBoxed beef $192.50 on choiceBetter eating weather in Midwest but plains remain friedPork cutout off $.51 with loin’s down $ .78 and hams up $.40Short slaughter weekGrain and soybeansThe hot air balloon rises $.32 in December corn to $7.25, $ .40 in November beans to $15.46 and September wheat up $ .23 at $8.2940% of corn is affected by droughtTemps moderate back into the 80’s but it looks dry out through 10 daysDelta may get ¾-1 ½ of rain150 bpa corn yield seen by many down from beginning 162 bpaSoybeans till have some time to recover over $15 Nov. does not show optimismDollar at 83.18 is awfully rich and that limits all exportscenter_img By Hoosier Ag Today – Jul 9, 2012 Home Market Market Watch Seed Consultants Market Wrap Up 7/10/12 with Gary Wilhemi SHARE Previous articleThe Inconvenient DroughtNext articleFarm Bill Up in House Ag Committee This Week Hoosier Ag Todaylast_img read more

Have a Pizzarific October!

first_img Community News Make a comment EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS October is Pizza Month in the US. Why the big deal? Well, consider these fun facts:– Pizza is a $30 billion industry in the United States– Pizzerias make up 17% of all restaurants in the United States (61,269 pizzerias to be precise)– A whopping 94% of Americans eat pizza regularly…– While a staggering 93% have eaten pizza in the last month– Which explains the approximately 100 acres of pizza eaten a day (or 350 slices a second!)Given the love affair Americans have for pizza, it’s no surprise that 3 billion pizzas are sold in the US every year. Which makes Pizza Month a pretty huge deal. Pizzas are part of American culture (and diet), so celebrating it with its own month isn’t that far-out an idea.What better way then to commemorate our passion for pizza than by ordering one from Domenico’s today? Domenico’s is a 3rd generation family restaurant that’s known for making pizza the way YOU want.At Domenico’s, you can order a plain cheese pizza, or add one, two, or three toppings of your choice. You can even double the topping portions if you’re extra hungry.Toppings you can mix and match include: onions, artichoke hearts, black olives, Canadian bacon, meat balls (beef & pork), sliced fresh tomato, bacon bits, bell peppers, mushrooms, pineapple, jalapeños, fresh garlic, chorizo, broccoli, pepperoni, sausage, salami, anchovies, and seasoned beef.How’s that for pizza customization?If you’re pressed for time and need a pizza right away without having to fiddle with ingredients, you can order some of Domenico’s own pizza flavors like the Big “D” Special (cheese, pepperoni, sausage, onion, mudhrooms, bell peppers, black olives), or Calabrese (Parmesan, oil, garlic, and mozzarella).For the health conscious, there is also a Vegetarian Pizza (cheese, onion, mushrooms, black olives, bell peppers, sliced fresh tomato), while BBQ lovers will find it hard to resist John’s BBQ Chicken Pizza (cheese, BBQ sauce, BBQ chicken, and red onions).Come join the festivities. Be happy and full. Celebrate Pizza Month this October with one of the best pizzas in town at Domenico’s.To learn more about Domenico’s and see the full menu, visit http://www.originaldomenicos.com or call (626) 797-6459.Domenico’s is located at 2411 East Washington Boulevard. More Cool Stuff Name (required)  Mail (required) (not be published)  Website  Restaurant Reviews Have a Pizzarific October! October is Pizza Month in the US, and what better way to celebrate it than with Domenico’s famous pizza? By FRANZ A.D. MORALES Published on Wednesday, October 9, 2013 | 1:51 pm Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Top of the News Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m.center_img Community News Your email address will not be published. Required fields are marked * Herbeauty7 Reasons Why The Lost Kilos Are Regained AgainHerbeautyHerbeautyHerbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeauty10 Most Influential Women In HistoryHerbeautyHerbeautyHerbeautyUnapologetic Celebs Women AdoreHerbeautyHerbeautyHerbeautyThese Fashion Tips Are Making Tall Girls The Talk Of The TownHerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeauty First Heatwave Expected Next Week Business News Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes 8 recommended0 commentsShareShareTweetSharePin it Subscribelast_img read more

Fees for Leaving Cert deferred

first_imgHomepage BannerNews Fees for Leaving Cert deferred Community Enhancement Programme open for applications By News Highland – April 23, 2020 Nine til Noon Show – Listen back to Monday’s Programme Pinterest Important message for people attending LUH’s INR clinic Arranmore progress and potential flagged as population grows Fees for the Leaving Cert have been deferred.The payment of 116 euro is usually due around now.However, given the delayed Leaving Cert and the financial difficulties faced by many people payment has been put off until after the exams happen. WhatsApp RELATED ARTICLESMORE FROM AUTHOR Twittercenter_img Google+ Facebook Publicans in Republic watching closely as North reopens further Pinterest Twitter Loganair’s new Derry – Liverpool air service takes off from CODA Google+ Previous articleConfirmed cases of Covid-19 in Donegal rises to 431Next articleLifford Covid Community Response Group underway News Highland Facebook WhatsApplast_img read more

Remains from North Korea likely American soldiers who fought at Chosin Reservoir

first_imgiStock/Thinkstock(WASHINGTON) — The 55 boxes of human remains North Korea transferred to the United States this week are “consistent” with being American service members who lost their lives in the Korean War, according to the chief scientist at the U.S. Department of Defense POW/MIA Accounting Agency.Location information accompanying the boxes suggested most of the remains are those of U.S. Army soldiers who fought in the famous 1950 Battle of Chosin Reservoir.Conclusions that the human remains were likely Americans from the Korean War was based on their state of preservation, as well as Korean War-era materials in some boxes that included boots, canteens, buckles, and buttons, according to Dr. John Byrd, the DPAA’s chief scientist who reviewed the contents of the boxes in North Korea.“Everything we saw was consistent with these remains, indeed, being from the Korean War, and consistent with these remains being good candidates to be missing Americans from the Korean War,” said Byrd.He said many of the recovered remains likely belonged to U.S. Army soldiers who fought in the November, 1950 Battle of Chosin Reservoir — 1,024 Americans are still missing from that battle.Byrd noted that “a lot” of the 55 boxes contained references to the village of Sinhung-ri located on the east side of the reservoir where U.S. Army soldiers fought in the battle. U.S. Marines also fought in the famous battle, but mainly along the reservoir’s western side.Byrd told Pentagon reporters Thursday that along with the remains North Korea provided the identification “dog tag” of an American servicemember, typically a metal military identification worn around the neck.The service member’s family has been notified and will receive the dog tag at a previously scheduled conference being held in Arlington, Virginia next week for Korean War and Cold War families to receive updates on their loved ones. DPAA Director Kelly McKeague told reporters that the family members had been warned that that the presence of a dog tag does not mean that the service member’s remains are among the boxes.The remains were initially transferred to United Nations control on Tuesday in Osan, South Korea before being sent to Hawaii, where Vice President Mike Pence received the 55 cases now draped in the American flag.“There’s no reason to doubt it could be Americans given the context,” Byrd said. The remains will immediately be subjected to DNA testing to see if they match DNA in the DPAA’s database. The agency has DNA samples from 92 percent of the families of the nearly 7,700 Americans still missing from the Korean War.“Where we have matches — compelling matches with DNA, we will get a very strong lead and be able to pursue identifications quickly,” said Byrd. “In other cases where we don’t find compelling matches right away, it could be months or it could even be a few years before we’re able to narrow down the identity.”Investigators will also use dental records and chest x-rays to further analyze the remains for a possible identification.That process will also determine if each box contains the remains of more than one individual.To work on the additional remains the team of DPAA researchers assigned to identifying the remains of Korean War missing will nearly double in size from five to nine.McKeague praised the humanitarian nature of the transfer that was the outgrowth of a North Korean pledge that emerged from President Trump’s June 12 summit with North Korean leader Kim Jong Un.“No caveats, no conditions set. I mean it really is a fulfillment of the pledge that Chairman Kim made to President Trump in Singapore,” he said. Despite the summit pledge McKeague said it wasn’t until July 15 that North Korea notified the United Nations that it would transfer 55 boxes of remains.The remains were formally repatriated Tuesday in Osan, South Korea to to the control of the United Nations before being transported to Hawaii, where the DPAA’s identification laboratory is located. On Wednesday, Vice President Mike Pence greeted the 55 cases, now draped in American flags, at an arrival ceremony in HawaiiMcKeague said he was “guardedly optimistic” that the repatriation would be the “first step of others to account for our missing from the Korean War.”But there are still concerns about North Korea’s other agreements made at the summit, namely North Korea’s commitment to denculearize.Both McKeague and Byrd expressed hope that North Korea would allow the resumption of joint U.S.-North Korean searches of battlefields and POW camp graveyards as occurred from 1996 to 2005.“I would go back in an instant if we were asked to,” said Byrd who participated in many of the earlier search missions.Copyright © 2018, ABC Radio. All rights reserved.last_img read more

Misleading story on rent increases

first_img1) When reviewing the data that you quoted, it is clear that the study did not take in consideration that most of the apartment buildings being built in recent years provide luxury apartments. Since luxury apartments require a much higher rent, this alone will cause average rents to be much higher.2) Moderate income government rent subsidized apartments are being replaced with market rent apartments, and our elected officials are doing almost nothing to replace those lost.Not mentioning these two facts will not give a full explanation of why the results conclude rent averages have increased.My office is proactive, so the public will receive the correct information on policy and the effects of policy. For example, in Jersey City there is gossip, which may come true, if the public continues not to be properly informed. Some Jersey City officials are persuading the public that the solution to halting gentrification is to put rent control on all residential units. Because of this, a change in new construction is taking hold. In the last few months, more than 20 two- or three- family buildings have either been converted to condos or new construction of two- or three- family buildings have been built as condos in Jersey City. That is almost 100 moderate income apartments disappearing in a short time. Ironically, this same kind of gossip was in Hoboken in the late 1980s to solve the gentrification problem. However, it only sped up gentrification in Hoboken.Gossip and misleading articles on real estate will only establish ineffective governmental policies. On top of that, our local officials in Hudson County are expressing their concern about gentrification and they surly are concerned how gentrification will affect them on Election Day with all those new voters. JOSEPH W. HOTTENDORFLiberty Board of REALTORS To the Editor:I reference your recent article titled: “More for tenant$ to pay… New data shows rent increases across NJ.” This article is truly misleading for two reasons especially because of the headlines:last_img read more

Police searching for suspect after attempted robbery, shooting on Corby Blvd

first_img WhatsApp Twitter WhatsApp Police searching for suspect after attempted robbery, shooting on Corby Blvd By Jon Zimney – July 14, 2020 0 381 Google+ Google+ Facebook (Photo supplied/ABC 57) Police in South Bend are investigating an attempted robbery and shooting that happened around 2 a.m. on Monday, July 13.Investigators say a male suspect approached the victim, who was walking in the 900 block of Corby Boulevard.The suspect demanded the victim’s belongings and shot him in the leg. The victim will be okay.Anybody with information is encouraged to contact Michiana Crime Stoppers at 574-288-STOP. Previous articleAnnual Art Beat event in downtown South Bend canceledNext articleSouth Bend Schools releases COVID-19 classroom plans, options Jon ZimneyJon Zimney is the News and Programming Director for News/Talk 95.3 Michiana’s News Channel and host of the Fries With That podcast. Follow him on Twitter @jzimney. IndianaLocalNews Pinterest Facebook Pinterest Twitterlast_img read more

Fueling the entrepreneurial spirit

first_img“We’re not businesspeople, but we are entrepreneurs.”In a simple sentence, Harvard Professor Gary King both described the gulf that separates university faculty members from the business world and provided the reason why some accept the challenge of crossing it: an entrepreneurial spirit that already guides their research and teaching.King, the Albert J. Weatherhead III University Professor, is a bit of an anomaly: a social scientist who’s also proven to be an entrepreneur. King leveraged research analyzing social media trends into a 2007 startup company, Crimson Hexagon, which was recently named by Fast Company as one of the 10 most innovative companies on the Web. He also collaborated with Eric Mazur, Balkanski Professor of Physics and Applied Physics, to ally his data analytic skills with Mazur’s teaching technology and methodology to form another startup, Learning Catalytics, in 2011, focused on improving classroom education.King and Mazur are among a growing number of faculty members, fellows, and even students who are conducting some of their academic work with an eye outside the lab and the classroom, thinking about ways to have a broader impact by commercializing ideas and discoveries and bringing them to the marketplace.A central pillar of efforts to advance discoveriesHarvard’s Office of Technology Development (OTD), established in 2006, is the central pillar of efforts to advance discoveries made across campus. The office’s core mission is to foster the spirit of innovation and entrepreneurship among faculty, harness the power of their intellectual property, and advance the development of their discoveries for the good of society, according to Isaac Kohlberg, Harvard’s senior associate provost and chief technology development officer.OTD can help campus innovators start spinout companies, license their technology to existing firms, and further the development of their research through industry-sponsored funding. Starting a venture can lead to an unusual set of challenges and concerns for many budding entrepreneurs. By combining business expertise and scientific knowledge, OTD demystifies the process of creating a startup and helps to connect the dots among laboratories, investors, and industry leaders, Kohlberg said.“The Harvard research enterprise is fueled by talented faculty and students who are eager to expand outside of the traditional academic outlets and connect on a broader level,” Kohlberg said. “OTD provides the support and expertise needed to help those with entrepreneurial ambition maximize their discoveries so they can have a large societal impact.”Figures show that those efforts are working. Reports of invention are up, showing that investigators are increasingly mindful of the potential commercial applications of their discoveries. Those numbers have almost doubled since 2007, to 412 in 2013. The number of patents issued also rose significantly, to 74 from 43, as did the number of patent applications filed, to 231 from 147.“The Harvard research enterprise is fueled by talented faculty and students who are eager to expand outside of the traditional academic outlets and connect on a broader level,” said Isaac Kohlberg, Harvard’s senior associate provost and chief technology development officer. File photo by Justin Ide/Harvard Staff PhotographerThe value of Harvard innovation is also being recognized outside the University’s walls. Industry research more than tripled from 2007 to 2013, when 81 agreements brought in $42.3 million. Licensing agreements, which bring royalties to the University on income earned by its intellectual property, rose 41 percent over the same period. In 2013, OTD also launched nine companies that were formed around technology developed on campus.Developments in recent months put faces on those statistical trends. Mazur and King’s Learning Catalytics proved promising enough to be acquired by education giant Pearson, while a startup based on the work of chemistry Professor Andrew Myers, Tetraphase Pharmaceuticals, went public in March with an initial stock offering.“The OTD office, from the top down, is staffed with an extraordinary group of professionals,” Myers said. “They’ve been very much a partner and extremely helpful.”In addition, stem cell scientist and diabetes researcher Douglas A. Melton reached agreements with two companies, Evotec, a German biotech firm, and Janssen Pharmaceuticals, a Johnson & Johnson subsidiary, to further develop a potential diabetes treatment discovered in his lab. And the foundation headed by Harvard Business School (HBS) alumnus Len Blavatnik is helping boost all this activity further, by donating $50 million to energize the translation of basic scientific discoveries into new treatments for patients.“Harvard has reshaped its vision of how we can take our technology to the next level,” Kohlberg said. “With resources such as the Blavatnik gift, we can provide fuel for the research engine as well as help propel the results of that research to serve the public interest.”Vicki Sato, professor of management practice at Harvard Business School and of the practice of molecular and cellular biology in the Faculty of Arts and Sciences, said that, while there is still work to be done, Harvard has come a long way in nurturing discoveries to market since she was a biochemistry doctoral student here in the 1970s.Sato, whose expertise is in commercializing scientific discoveries, has a long resume in industry, working at biotech firm Biogen after graduating before moving to Vertex Pharmaceuticals, where she eventually became president.Assistance in crossing the “valley of death”Sato gave high marks to the work of OTD and especially of its Biomedical Accelerator Fund, which was the beneficiary of the Blavatnik gift and was recently renamed the Blavatnik Biomedical Accelerator at Harvard University. Curtis Keith, chief scientific officer of the Accelerator Fund, said the 5-year-old entity was created to help breakthroughs made at Harvard to cross the “valley of death” between discovery and development.The valley exists because of the way that the United States finances research. While scientists with worthy ideas can get basic research funding from federal funding agencies, such as the National Science Foundation, the National Institutes of Health, the Department of Defense, the Department of Energy, and others, those grants stop short of financing the sometimes considerable additional work it takes to develop a promising discovery into a product.On the other side of the valley are private companies, eager for new discoveries that they can turn into products but cautious about investing too early in a discovery that may not pan out. The resulting gap between discovery and development has been a place where good ideas and early stage discoveries go to die. It is also where the Accelerator Fund has come to the rescue.“The typical reaction we get [from industry] is ‘very interesting, it has a lot of potential, but we feel things are too early for us to pick up,’” Keith said. “The purpose of the Accelerator is to provide the funding and expertise needed to develop technologies further so they are ready for partnership with industry or startup formation.”The Accelerator Fund offers grants averaging $200,000 to develop a discovery to the point where private industry or venture capital can step in and provide the additional funding needed to bring the technology to the marketplace.So far, the fund has financed 37 projects. Of the 30 completed, about half have been partnered with industry or spun out into new companies, a rate that’s quite high, Keith said. Of the rest, some haven’t fulfilled their early promise, while others are still seeking corporate partners.Last spring, the Blavatnik gift gave the program a boost. The additional financing will allow the fund to take on more projects, and to extend funding for a handful of projects to develop technology to a more advanced stage.The gift also is intended to strengthen links between Harvard’s business community and medical research and discovery. A portion of the Blavatnik gift provides money for three to five HBS postgraduate students or recent graduates to work one-on-one with Harvard scientists to draft business plans and commercialize discoveries.The fellowship is a step toward the kind of cross-School collaboration that Sato said should occur more often, where the expertise of one School furthers the goals of another.To that end, Harvard has shown that fostering innovation and entrepreneurship is a priority, and not just on HBS’s campus. The Wyss Institute for Biologically Inspired Engineering was founded at Harvard Medical School (HMS) with the goal of translating discoveries to the bedside as quickly as possible. The Harvard Innovation Lab, or i-lab, was built as an incubator to help students, faculty members, and members of the community fertilize the next great ideas.The i-lab, which opened in Allston in 2011, was designed to foster the entrepreneurial spirit of students, hoping to provide a boost to the developers of the next Microsoft or Facebook, both of which have Crimson roots.The facility sponsors a range of activities, including public lectures on topics related to innovation and entrepreneurship, workshops to build skills, and a course — taught by Sato — on commercializing science. The i-lab also helps link people looking for partners, and provides meeting and work space for groups developing an idea or product.Beyond the i-lab, students can find encouragement in classes that foster an entrepreneurial spirit. In CS-50, for example, computer students spend the semester designing and developing a software project. Some students get so engaged in the process that they continue working on their creations after the semester ends.For Adam Lundquist, a master’s student in information technology at the Harvard Extension School, it wasn’t the information technology courses he took that prompted him to start his own digital marketing business last year, but rather an adult development class he took as part of the distribution requirements for the degree.Taught by Robert Kegan, the Meehan Professor of Adult Learning and Professional Development at the Harvard Graduate School of Education, the course helped Lundquist understand his fears about taking the plunge into the business world and discern which were grounded in reality and which were not. Using the technical expertise gained from the Extension School classes, Lundquist started his own digital marketing business, Nerds Do It Better, in Philadelphia last year.“I had not started up a business ever before,” said Lundquist, who expects to graduate next spring.  “Using his [Kegan’s] techniques, I could get past it and see if my fears were unfounded.”HMS student Marc Succi, who recently founded a medical device company, said the entrepreneurial spirit is also alive and well among the student body at the Medical School. Succi, working with fellow student Andrew Bishara, developed a digital glove that takes blood pressure, pulse, blood oxygen levels, and other health metrics, during an internship with Associate Professor of Medicine Jeffrey Karp and MIT Institute Professor Robert Langer. Succi said there is a lot of interest in innovation, especially for medical devices, among the student body in the Longwood area.Succi, currently on a radiology rotation at Massachusetts General Hospital, said he and several other residents at HMS-affiliated hospitals are thinking about starting an innovation incubator for the Longwood community. Residents, he said, interact with patients all day and so have both medical knowledge and insight into patient needs.“There’s interest in doing something that’s not just straight clinical work,” Succi said.last_img read more

College students welcome Hobson as commencement speaker

first_imgThe Saint Mary’s Class of 2012 will welcome Mellody Hobson as their commencement speaker Saturday.  Hobson, a 1991 graduate of Princeton University’s Woodrow Wilson School of International Relations and Public Policy, will receive an honorary doctor of humanities degree from the College. She currently serves as president of the Chicago-based money management firm Ariel Investments and as chair of the board of trustees for the firm’s mutual funds. Hobson is an expert on financial literacy and investor education and is a regular contributor to ABC’s “Good Morning America.” She is also on the board of directors of Estée Lauder Companies, Inc., DreamWorks Animation SKG, Inc., Groupon and Starbucks Corp. Senior Kate Park said she thinks Hobson’s wealth of experience will provide for a meaningful address.  “Based on her history and career, I think she can be a very informative speaker for the Class of 2012,” she said. “She seems to have many worldly experiences, as well as [success] in the business world. Therefore, she can give many of us Belles helpful tips on how to become successful after Saint Mary’s.”  Senior Allie Courtney said she is looking forward to Hobson’s commencement address. “I am very excited about this year’s commencement speaker,” she said. “Mellody Hobson is an incredibly accomplished woman and an exemplary role model to all of us. Her work and accomplishments are very impressive, and I can’t wait to hear her speak.” Senior Catherine Swanson said she expects Hobson’s speech to be engaging and memorable due to her many interesting life experiences. “I’m really looking forward to hearing about her experiences and how she got to where she is today,” she said. “She will have a lot of interesting things to say and I am grateful for the chance to listen to her.” Park said Hobson’s success as a woman in business will inspire the Class of 2012. “I am looking forward to being with my fellow Saint Mary’s sisters and enjoying our last moments together as we listen to a woman who embodies all that we embody: a Saint Mary’s education,” she said. “I am hoping we will be inspired from the address.” Courtney said Hobson’s broad expertise will be a valuable contribution to her final moments as a Saint Mary’s student. “I think she is very relevant to our class,” she said. “Our class truly appreciates the community at Saint Mary’s and how we have grown as strong, confident and empowered women because of it. Her example as a truly successful woman is inspiring to us.” Commencement will be held Saturday at 12 p.m. on LeMans Green.last_img read more

Free Fishing Set For Next Weekend In New York State

first_imgShare:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email this to a friend (Opens in new window) Photo: PixabayALBANY – The New York State Department of Environmental Conservation says next weekend is a free fishing weekend statewide.Commissioner Basil Seggos announced a Free Fishing Weekend for June 27-28. The event is the second of six Free Fishing Days offered in New York State every year.“This free fishing weekend could not have come at a better time,” Seggos said. “Amid the uncertainty of these challenging times, being home together has allowed many families to get outdoors and experience new activities. Free fishing days provide the perfect opportunity for all New Yorkers-from Brooklyn to Buffalo and from Montauk to Mt. Marcy-to try fishing for the first time and encourage those who have fished before to dust off their fishing rods and get outside.”DEC encourages all anglers, new and experienced, to recreate locally and seek out fishing opportunities close to home. DEC’s Places to Fish webpages are a reliable source for those ready to plan their next fishing trip. For beginning anglers interested in getting started, the I FISH NY Beginners’ Guide to Freshwater Fishing provides information on everything from rigging up a fishing rod, to identifying your catch, and understanding fishing regulations. Additional Free Fishing Days in 2020/2021 include: National Hunting and Fishing Day (Sept. 26); Veterans Day (Nov. 11); and President’s Day Weekend (Feb. 13-14). During these designated free fishing days, New York residents and non-residents are permitted to fish for free without a fishing license. Free fishing day participants are reminded that although the requirement for a fishing license is waived during free fishing days, all other fishing regulations remain in effect.DEC reminds anglers to maintain safe social distancing while fishing (PDF) this year to help stop the spread of COVID-19.last_img read more

On Compliance: Risk-based lending

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Risk-based lending for credit unions can be tricky. After all, credit scores exist for a reason and assessing someone’s loan worthiness based on that score is common practice. Staying in compliance when doing risk-based lending requires following both the Equal Credit Opportunity Act and section 1029 of the Consumer Financial Protection Act of 2010, better known as the Dodd Frank Act.Non-Discriminatory LendingAccording to the ECOA, it is illegal to discriminate against any applicant based on race, religion, sex, national origin, marital status, age, or source of income. This means it is illegal for a credit union to use the aforementioned reasons as a basis for refusing a loan to any member, discouraging any member from applying for a loan, providing different credit terms for members with similar creditworthiness situations, or closing member accounts. continue reading »last_img read more