Pinterest Facebook WhatsApp Annual Art Beat event in downtown South Bend canceled By Jon Zimney – July 14, 2020 0 244 Previous articleBanks: Schools that don’t reopen classrooms shouldn’t receive federal fundingNext articlePolice searching for suspect after attempted robbery, shooting on Corby Blvd 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. CoronavirusIndianaLocalNews Twitter (Photo supplied/downtown South Bend) The 18th annual Art Beat event in downtown South Bend has been canceled due to coronavirus concerns.It had been planned for Saturday, August 15.Organizers had already planned for socially-distant spacing of booths and vendors, but due to the recent spike in COVID-19 cases, they’ve decided the public health risk is too great. WhatsApp Pinterest Google+ Twitter Facebook Google+
FacebookTwitterLinkedInEmailPrint分享The Institute for Energy Economics and Financial Analysis has added two new board members to its governing body in 2018, as well as a new program manager in its headquarters office in Cleveland.“We are very fortunate to have Mark Colón and Chris Meyer join the IEEFA board of directors,” said board chair Larry Shapiro. “Both Mark and Chris bring a wealth of knowledge on the energy and finance issues that are core to our work and are experienced in non-profit management.” Mark Colón is the president of the Office of Housing Preservation at New York State Homes and Community Renewal, where he has also served as deputy counsel. He has practiced international law and chairs the board of El Puente of Williamsburg. Chris Meyer is the chief of staff of 100 Resilient Cities, pioneered by the Rockefeller Foundation. He previously served as vice president and senior advisor for Consumer Reports and as executive director and senior attorney of the New York Public Interest Research Group.Shapiro added, “we’re also very pleased to welcome Kate Sopko to our growing IEEFA team as our new program manager. Kate comes to us having worked in project management, communications and development for several leading Cleveland area non-profits, including Policy Matters Ohio, City Repair Cleveland and SPACES art gallery.” IEEFA Welcomes New Board Members and Program Manager
By U.S. Army Captain, Special Forces, Thomas Doherty July 26, 2016 Until recently, the sphere of war has been based on elements such as land, sea and air. Recently, the U.S. Armed Forces have added the sphere of cyberspace and have linked it to the other spheres of war. In doing so, the Armed Forces have created a whole new command dedicated to this sphere of war under a basic understanding that the conventional military units within the Army, Navy or Air Force will include it, since it is not assumed that they dominate that sphere. Adding this sphere raises the question: what do we do when the human sphere or terrain is the key, and control over it represents the decisive aspect or point? Should there be a human sphere of war? On whom does it fall to propose a human sphere for waging war? In analyzing the capabilities of the Armed Forces, the United States military has recognized the growing importance of cyberspace; thus, in 2005, they converted it to a sphere of war along with the classical elements of land, sea and air. The wars in Iraq and Afghanistan have also demonstrated the importance of the human sphere of war. In these campaigns, the control of the elements based on classical spheres signified little if anything beyond the tactical sphere. Some analysts surmise that in Afghanistan, “We failed by not denying the enemy the most important factor in any insurgency: the human sphere. The key terrain is sometimes mentioned in a non-doctrinal way as the ‘decisive terrain.'” The elemental spheres for waging war are based on terrains which must be dominated in order to be successful. There are certain abstract forms of key terrain that transcend basic elemental functions. Among them is cyberspace, where sending and receiving electronic signals can drastically affect outcomes and can even cause physical damage. A human sphere for waging war (HSfWW) does not imply the restoration of human terrain systems (HTS). Any similarity ends with the names. HTS was assumed to be a function of intelligence gathering, while HSfWW refers to the decisive point of a campaign in operational or strategic terms. Gathering intelligence in the human terrain will always have a place in all phases of Unified Land Operations (previously called Full Spectrum Operations). The purpose of the HSfWW is to concentrate on where a war will be waged. In determining the relationship of a supported command and the supporters in the key terrain that define the decisive point, the relationship should be the deciding factor. That key terrain will be in the sphere or space of combat, and the command responsible for the combat sphere should be the supported command. For example, during the Battle of Britain, the Royal Air Force counted on the support of the command and the battle was waged in the air. Another example of this concept is a counterinsurgency (COIN) campaign. Our military forces have already formed a command for this purpose, with an expertise and command structure in place, consisting of the special forces of the 1st Special Forces Command (1st SFC). The special forces of the 1st SFC are under the command of the only Defense Department units specifically trained to carry out COIN campaigns and trained in the nature of insurgency commonly called non-conventional war. During the last decade, half of our counterinsurgency operations were executed under the command predominantly of conventional operations military commanders. That is to say that the experts in the subject were there as command support and there was no supported command. It is almost like designating the air force to be in charge of formulating plans for a ground campaign. It is proposed that the one having the greatest capability for materializing the campaign plan over the decisive point should be the Decisive Operation, and therefore, by doctrine, the supported and empowered commander. In establishing the human sphere as a combat sphere, there will be a clearly delineated command with responsibilities over that sphere of war. Likewise, as no one questions the leadership and command of the Air Force in planning air campaigns, there should be no doubt about leadership in campaigns for the human sphere. The human sphere is not a malleable medium; it is a mobile medium that occupies with other spheres as needed. It is what converts the elemental spheres for waging war into epiphenomenal entities of the human sphere, and as such, they should be treated strategically. Only tactically, terrains such as the top of a mound or hill will retain their main value as key terrain in contrast to the human sphere and physical terrain, which are only important during limited periods. As the level of planning increases, the control of the human sphere will take on greater value, regardless of the other spheres of war that have been occupied. The HSfWW is essentially different from all other spheres of war. To treat it as totally separate from the rest will open news ways to tackle the problem. Also, in creating a primary proponent for this sphere to wage this war, the conditions would be fixed, so that the force with the greatest probability of capturing or defending the sphere for any operation should be the supported command that is unfolding in the HSfWW. This presupposes that it would be necessary to design doctrinal principles and redesigns of force in order to operate according to said principles. However, as mentioned before, the necessity of those principles and redesigns must not only be recognized, rather it is already evident [already present]. What has not been achieved yet is the correct application of using said force, and the doctrinal principles – that is to say, an umbrella command during the conflict, in order to reach the final desired status within the HSfWW. In contrast to other spaces, the human sphere is a mobile medium. This mobility can be used as an advantage for those who seek to control it. Up to a certain point the human sphere can be utilized as a source of camouflage for other parts of the same. The mobility achieved with this camouflage within the human sphere allows the other part[ie]s to deploy forces and exercise influence within other parts of this global sphere. A current example is ISIS and its capability to spread over the whole world by means of massive immigrations of its forces, camouflaged as refugees who enter Europe and other parts of the world. This allows ISIS to scatter spores in the formerly secured human sphere using a strategic mask like Ink Spot. What part of the human sphere is worth the trouble of trying to dominate it? The answer indicated is “The hearts and the minds.” However, this only alludes to a deeper focus that should be achieved: the dominant influence of habits, beliefs and even more importantly, the will of the enemy within the HSfWW which should be forces friendly to us. It is what the opponents try to control or to prevent others from controlling. This requires not only the capacity to fire, mobilize, communicate and provide medical services, but also the capacity to move freely within the human sphere to be dominated. It is from this exposure to the Special Forces Alfa (the Special Forces Operational Detachment Alphas) over a long term basis that the local population can be influenced, and the objectives declared by the combat commander can be achieved. Adoption of a human sphere of combat will allow for a change in the structure of command, and therefore, in strategy. It will overcome institutional inertia and pressure politics, turning the onus for victory toward the units specifically trained to wage war in the area of souls/spirits. Today there is a kind of war in which the “hearts and minds” of people must be won in order to determine who is victorious and who is left defeated. The doctrine and the structure of the force is already in place and therefore there will be no further costs incurred. What is required is a change in the relationship between the one supported and the adherents, as well as in the application of the existing doctrine. Creating a human sphere of combat would concentrate our military forces better, which would give us a greater probability of achieving victory.
First Carolina Corporate Credit Union presented regional credit union management an opportunity to discuss what’s needed to crest the coming waves of the Federal Reserve’s expected short-term rate increases by hosting a complimentary Lunch and Learn event on Tuesday, June 2nd, at their corporate office, located at 7900 Triad Center Drive, Greensboro, NC 27409.Fred Eisel, SVP and Chief Investment Officer of First Carolina, discussed the two issues credit unions need to face in light of looming short-term rate increases—investing in a difficult rate environment or dealing with tighter liquidity as loan demand increases. Eisel said, “It now appears the FOMC will not adjust short-term rates until September, at the earliest. If the payroll data comes in strong in the next few months and there is a slight uptick in wage inflation, this will most likely push the Fed to move sooner rather than later. They need to begin to normalize rates.”First Carolina VP of ALM Services Melissa Scott focused on the consideration of Non-Maturity Shares and their importance to interest rate risk. She shared that, “Once your non-maturity share assumptions are developed and reasonable, stress them to identify the risk if you are wrong” requiring the officers to examine their credit union mechanics. “I’m reviewing my Asset/Liability Management plan and making some changes,” HeathShare Credit Union CEO Genice Decorte declared. Steve Vaden of CommScope Credit Union said, “In the ALM session, I got a more direct use and application for our benefit as well as education for modeling and examiner questions.” continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
It is no secret the next generation of credit union members is living a more mobile lifestyle every day. By the end of 2014, 85 percent of Millennials aged 18 to 24 owned mobile devices. Members do everything from pay bills to buy movie tickets, even grab a cup of coffee with mobile apps. They even use apps for transportation.A mobile app is great, but it’s not enough to just give members balances and rates. An app is only a solution if it solves something. For today’s members, that means adding convenience to their lives. Apps are quick; they’re simple. They make life easier. Sure that’s what we all want, but it’s simply what the next generation demands.Uber is a $2.8 billion transportation service that boasts 8 million active users in the United States alone. Today’s group of friends heading out in the city doesn’t hail a cab. One of them taps her Uber account and orders a ride. The only problem: Uber and other ride services are cashless businesses. That makes it difficult for the group to split the ride. There’s a simple solution. With CU Mobile Apps P2P payments, her friends can transfer money right to her phone. Splitting the bill has never been easier.Payment sharing solutions may not be the newest innovation in mobile, but how quickly our transactions appear in the recipient’s account is. With other apps, your member could just as quickly wait for the credit union to open, make a withdrawal or cash a check and hand deliver the money. Our real time EFT network transmission means no more waiting hours or days for the transaction to clear. All P2P needs is an email address and/or a mobile phone number. The recipient will be notified by text or email as soon as the funds are available. It’s quick and it’s secure. You can’t call your members a car, but you can make sure the payment is covered. continue reading » 17SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
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Topics : The National Health Commission (NHC) said 1,367 asymptomatic patients were under medical observation, with 130 new cases newly added in the last day.The NHC announced Tuesday that it would respond “to public concerns” by starting to publish daily data on asymptomatic cases, which it said were infectious.There were mass online calls for the government to reveal the number of asymptomatic cases after authorities revealed over the weekend that an infected woman in Henan province had been in close contact with three asymptomatic cases. However, asymptomatic cases are not being added to the official tally unless they later show clinical symptoms. China on Wednesday said it has more than 1,300 asymptomatic coronavirus cases, the first time it has released such data following public concern over people who have tested positive but are not showing symptoms.Health officials also reported the first imported case from abroad in Wuhan — the epicenter where the virus first emerged late last year — heightening fears of infections being brought into China from other countries.Of 36 new cases reported Wednesday, 35 were imported from abroad. Historical data on those infected without showing symptoms has not been published.Beijing has announced a series of dramatic measures to curb arrivals into the country and control imported cases — including a ban on foreigners entering China and testing those arriving from overseas — making it easier to determine those who are infected but don’t show symptoms.China says all detected asymptomatic cases and their close contacts must undergo 14-day centralized quarantine.Experts agree that asymptomatic patients are likely to be infectious, but it remains unknown how responsible they are for spreading the deadly virus.Chinese respiratory expert Zhong Nanshan said in a state media interview last week that asymptomatic carriers could potentially infect “3 to 3.5 people each”.Many other countries including South Korea and Japan count asymptomatic cases in their national tallies of confirmed diagnoses.There have now been 81,554 infections in China, with 3,312 deaths — mostly concentrated in the epicenter of Wuhan and surrounding Hubei province.The first imported case confirmed in Wuhan, a Chinese national studying in Britain, arrived in the city last week as it starts to gradually lift travel restrictions imposed to control the outbreak.
Linkedin #environment environment forest #Forests timber SVLK Timber-Legality-Assurance-System-SVLK Log in with your social account LOG INDon’t have an account? Register here Indonesia has backtracked on a decision to relax export requirements for timber products months after issuing a deregulation policy that environmental groups criticized for threatening to put sustainable timber trade at risk.The Trade Ministry issued on May 11 a regulation annulling its previous regulation in February that scrapped the requirement for Indonesian companies to secure the so-called V-legal documents, which indicate that timber products being shipped come from legal sources.V-legal licensing has represented an important tool of the timber legality verification system (SVLK) managed by the Environment and Forestry Ministry, which has helped improve Indonesia’s reputation in global sustainable timber trade.The Trade Ministry previously defended its February decision – which was supposed to take effect on May 27 – by saying that it only regulated the… Google Topics : Forgot Password ? Facebook
Robin Ellison appearing before MPs yesterdayThis episode occurred during Carillion’s final days as a going concern. Ellison said that even then the trustees were led to believe by Carillion executives that if immediate cash could be raised, the business would survive long enough to be restructured.Contribution schedule questionedBut MPs questioned why the trustees had ever allowed the sponsor to pause contributions in August last year, given the scheme was still in deficit. They referred to a 2012 report by one of the trustees’ advisers, Gazelle, recommending that they demand more from the sponsor, including influence over new securities issued by Carillion.Gazelle said at the time: “Carillion has historically prioritised other demands on capital ahead of deficit reduction in order to grow earnings and support the share price.”Ellison emphasised that the trustees had pursued means of greater security “with inadequate results”. He added that the board had asked for more contributions after nearly every valuation. “We did not just roll over and get our tummies tickled when the company paused contributions.”Robin Ellison“You will see [from correspondence] that negotiations went on in a pretty tough fashion: for the first two valuations we didn’t come to formal agreement and we had to take what the company would pay,” Ellison explained. “The powers of pension fund trustees are limited – we can’t enforce a demand for money.”The trustee chair also emphasised that “there wasn’t much in the company that could be pledged” as security against the deferred contributions.“We did not just roll over and get our tummies tickled when the company paused contributions,” Ellison said. “There were heavy interest payments for the delay and the promise of a bullet repayment seven months later.”Asked whether he’d thought about resigning, Ellison replied that resigning would not have solved anything.TPR – which will appear before the committee at a later date – can compel greater contributions. When pressed by Frank Field MP, co-chair of the committee, Ellison said he had not asked the regulator to make this specific demand, instead asking the regulator to use its judgement as to the best course of action. TPR will have to explain why it sat in on board meetings of the Carillion trustees for years without taking further action against the sponsor.MPs pointed to the £376m paid to shareholders in dividends by Carillion between 2012 and 2016. When asked why the money didn’t go to the pension fund, Ellison pointed out that The Pensions Regulator generally accepted pension contributions worth 16%-18% of dividends. In Carillion’s case, pension contributions had been in the order of 60% of dividends.Carillion’s annual report for 2016 detailed that it had paid £393.7m to shareholders since 2012, while making deficit contributions to the DB schemes of £209.4m in total. Since last year, TPR has increased its emphasis on companies striking a balance between dividend payments and pension scheme deficit reduction payments.Members of the Work and Pensions Select Committee and the Business, Energy and Industrial Strategy Select Committee are conducting a joint inquiry into the collapse of Carillion.A number of the engineering conglomerate’s DB pension funds are now being assessed for entry into the Pension Protection Fund.Robin Ellison spoke to IPE in March 2017 about the Carillion schemes’ investment strategy. He added that The Pensions Regulator (TPR) had also stood up to potential creditors of the company who had demanded all loans go into the business rather than the pension fund. The chairman of Carillion Pension Trustees has rebutted claims by politicians that the trustee board let the failed contractor “wriggle out” of pension contributions.Carillion went into compulsory liquidation on 15 January with a pensions deficit in excess of £800m (€910m) but just £29m in cash.Robin Ellison, chair of the trustees, yesterday told a parliamentary committee investigating Carillion’s collapse that the trustee board had pushed the construction and engineering contractor as hard as it could.“We did our best with the information at our disposal,” he said, adding that it was a balancing act between getting as much money for the pension scheme as possible without driving the sponsor out of business. “I don’t think there is anything more we could have done to pursue higher contributions.”
Fees for UK and non-UK European brokers peaked in the third quarter of 2017 at 7.4bps and 7.3bps respectively.Yet Nogueira said there were other factors beyond regulation that were steering commission fees lower.“As more and more asset managers move towards using [algorithms] to handle their orders, lower commissions are inevitable,” he said.Last year, the CFA Institute reported that more than three-quarters of European investment professionals said they were less likely to tap investment banks for research after MiFID II came into effect.Just under half said they were more likely to improve access to in-house research.“You shouldn’t lose sight that this is good news for the end investor,” said Gary Baker, managing director of the CFA Institute. “If you go back to the origin of MiFID II – which was to boost transparency and the lot of the end investor – then that is what it is achieving.”There were also wider structural reasons for the gradual diminution of commission fees over the past few years, including greater use of technology and different ways of conducting research, Baker said.However, he warned that there might be more turbulence ahead over the next few quarters.“I don’t think this will be the end of it,” Baker said. “But that doesn’t mean [that fee levels will] continue to fall. We could be looking at the end of a pendulum swing and then it settles back down a bit.”Note: This article has been updated to correct figures in the second and fifth paragraph that were incorrectly expressed as percentages. Pension funds and other investors are reaping early benefits from the implementation of MiFID II earlier this year with broker commissions falling significantly in the first three months of 2018, a new report has revealed.According to financial technology group ITG, broker commission fees in the UK fell by almost 20% over the course of the first quarter of 2018 from 7 basis points to 5.8 basis points. Across Europe (excluding the UK) the report showed that fees dropped from 6.9bps to 5.2bps over the same period.MiFID II, designed to improve transparency within the financial services industry, was implemented on 3 January this year, leading many to suggest there was a direct correlation between the new rules and the commission fall.“A fall in execution rates was always likely, but not to this extent,” said Andre Nogueira, director of trading analytics at ITG. “Nearly six months in, a decline of nearly a third in UK commission rates proves that MiFID II is really starting to bite.”