Struggling businesses needed for TV show

first_imgThe television production company behind BBC2 programme The Fixer is looking for struggling businesses for a new television series.Twofour Broadcast wants to speak to companies that are worried about the future of their business or finding it tough in the current economic climate.As part of the television series, an experienced business advisor would help those with concerns about their future.If you are interested, please contact Naomi on 0207 438 1851 or email [email protected]last_img

Dead & Company Announces Partnership With Nugs.Net For Concert Downloads, Live Streams

first_imgWith the Dead & Company summer tour just two days away, the Grateful ensemble has announced an exciting new partnership with nugs.net to provide high quality downloads of each and every show from the tour! Fans will remember that quality recordings were notably absent from Dead & Company’s debut fall tour in 2015, so these recordings look to be esteemed items for any collector of Grateful Dead music.The new website for all Dead & Company show media is LiveDead.co, which already has audio posted for the band’s 2016 debut at The Fillmore in San Francisco, CA. Expect recordings from each and every tour date to be archived on the Nugs.net-powered site.In addition to the downloads, Dead & Company has announced a live stream for their upcoming performance on June 21st at the Saratoga Performing Arts Center in Saratoga Springs, NY. More information about that webcast can be found on the website as well.Dead & Company tour kicks off on Friday, June 10th at the PNC Music Pavilion in Charlotte, NC. We can’t wait![H/t JamBase]last_img read more

PTSD doubles diabetes risk in women

first_imgWomen with post-traumatic stress disorder are nearly twice as likely to develop type 2 diabetes compared with women who don’t have PTSD, according to researchers at Harvard T.H. Chan School of Public Health and the Mailman School of Public Health at Columbia University.The longitudinal cohort study provides the strongest evidence to date of a causal relationship between PTSD and type 2 diabetes. Results were published online January 7, 2015 in JAMA Psychiatry.The researchers analyzed survey data collected between 1989 and 2011 from 49,739 women enrolled in the Nurses’ Health Study II and found a dose-response relationship: the greater the number and severity of PTSD symptoms, the greater a woman’s risk of type 2 diabetes. Four percent of the nurses reported the highest number of PTSD symptoms By age 60, nearly 12 percent of women with the highest number of PTSD symptoms had developed type 2 diabetes, whereas fewer than 7 percent of women with no trauma exposure had diabetes.Antidepressant use and elevated body mass index accounted for nearly half of the increased risk of type 2 diabetes, or 34 and 14 percent, respectively. On the other hand, smoking, diet quality, alcohol intake, and physical activity did not explain the association.One in nine women will have PTSD at sometime over the course of her lifetime—twice the rate of men. Women are also more likely to experience extreme traumatic events like rape that carry a high risk for the disorder. Read Full Storylast_img read more

Long Island Snow: Up to 10 Inches Possible

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York Accuweather.comA winter storm system accompanying an incoming arctic cold front is forecast to dump six-to-eight inches of snow on Long Island this week—and up to 10 inches on the South Fork.A winter storm watch is in effect from noon Tuesday to 6 a.m. Wednesday for Nassau and Suffolk counties, meaning there is a potential for significant snow, sleet or ice accumulations, according to Upton-based National Weather Service meteorologists.“Snowfall will begin late Tuesday morning and continue into Tuesday night with heaviest snowfall expected Tuesday afternoon and evening,” the agency said in a statement. “Falling, blowing and drifting snow will cause hazardous travel and walking conditions across the [tri-state] area.”Wind gusts up to 30 mph during the storm are expected to reduce visibility to as low as ¼ mile at times, potentially making for a treacherous Tuesday evening rush-hour commute.Temperatures in the 20s and teens will drop down to the single digits after sundown, leaving open the possibility of frost bite for those not dressed appropriately.The return of the arctic air mass known as the polar vortex is expected to follow the storm and likely bring with it subzero wind chills Tuesday into Wednesday, forecasters said.Temps will stay in the 20s after the storm passes Thursday and Friday and hover in the 30s through next weekend, when the forecast calls for mostly sunny skies.last_img read more

Five ways to improve your in-branch sales program

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Say the letters ABC to a true sales person and inevitably images of Alec Baldwin spelling out “Always Be Closing” will come to mind. But the days of Glengarry Glen Ross sales tactics are (thankfully) in the past, and have never really had a place in the credit union world. Yet, opening new accounts and positioning loans is imperative to a credit union’s success. According to creditunions.com, in the 10 years following the recession, the credit union industry has grown its loan portfolio 82.7%. There is still a lot of growth to be realized, and even in today’s digital world, most new sales will be handled by branch employees. This means that the sales program needs to be focused on making suggestions of products and services, opening new accounts and writing new loans… and making sure MSR’s are comfortable with the sales aspect of their role. Accomplishing the task of a soft sale day after day can be a struggle for branch employees. If your results are not where you need them to be, here are 5 areas to look to improve the process:1. Not Asking the Right Questions and Listening95% of buyers state that the typical salesperson talks too much, and 74% of buyers said they were much more likely to buy if that salesperson would simply listen to them. Credit union employees have to be good at asking the right questions, so their conversation gives them the information they need to really understand that member. Only then can they give suggestions about meeting the member’s needs. continue reading »last_img read more

Be prepared for additional lockdown restrictions by identifying pain points and embracing lending technology

first_imgUnprecedented is the word of the year. It popped up in nearly every news article in March and April, and you can still hear it now as a new series of lockdowns rattles the country. From impacts on schools and holiday gatherings to restaurants, bars, travel – and so much more – unprecedented has almost become a negative cliché for many this year.However: in CU finance, unprecedented has a different connotation this year. It refers to the record number of loan transactions that clogged CU lending department pipelines. Low rates and significant home equity saw a surge in refinances and equity loans. Unprecedented was almost a welcome word that brought smiles to faces among loan officers and lending department managers. These record low rates saw lending up 65% over 2019 levels in some areas.But record loan volumes brought their own set of challenges too.Lockdown impacts on originations and property appraisalsWith the loan origination influx that started around April, technological efficiency became a requirement for lending departments to keep up with originations. But it seemed that no one was prepared for the impact on property appraisals as face to face interaction became limited.Even though lending departments were completely busy, getting a timely appraisal seemed impossible. Many lenders saw increasing appraisal prices and worsening turnaround times as this year progressed: it became difficult for appraisers to safely enter homes and perform interior inspections. Appraisers raised their rates, and longer turn times became the norm.Subsequently, rate lock extensions are continuing to be frequent, at the cost of the CU.What can CUs do to make sure their appraisal process is healthy?For many CU lending departments, appraisal costs skyrocketed to $800-$1200, and sometimes took eight or more weeks to complete. And this was earlier in the year. With new lockdowns being implemented as virus cases surge, CUs should be prepared with automated solutions to bring appraisal turn times back to normal and appraisal costs down. Your members will thank you.So what can you do?Three things to consider for your overall strategyFirst off, consider what your lending department does when ordering an appraisal.Some CUs utilize a manual process that involves an Excel spreadsheet to handle their property appraisal needs. While this has worked well in the past, the manual aspect of reading through a spreadsheet to identify the most qualified appraiser for the order takes too much precious time for a lending department trying to handle a surge in loan volume. CUs should consider how to automate this process.Secondly, if a CU decides to utilize an Appraisal Management Company (AMC), they must investigate what the AMC can guarantee as far as appraisal product prices and turn times. AMCs can be a great addition to a lending departments’ overall origination strategy, but having a middleman between you and your appraisers can have its own unique set of challenges, especially when facing additional lockdown restrictions, quality control over their review process, and timeliness.Finally, the easiest and most cost-effective solution is to implement an Appraisal Management Software (AMS) solution: one where all appraisers, prices and products are preloaded into a single web-based secure system. Lenders using an AMS solution can manage their own appraisal process, positioning their lending department for continued loan volume growth even amidst additional lockdown restrictions.Web-based appraisal management software: What to expectLending departments can place orders to their appraiser panel, and these systems will automate the appraisal assignment based on vicinity to subject property, appraiser qualifications, appraiser that specialized in certain property types, billing options, and more.  AMS solutions offer much more than just refinance and purchase solutions: they also offer AVMs, Property Condition Reports, Mobile Appraisal Solutions, automated appraisal review, consistency of process, reliability, connections to multiple AMCs and more. The Mobile Appraisal Inspection Solutions offered by AMS’s accommodate limited face to face interaction by allowing the member to assist the appraiser with the interior property inspection. Any new limitations on face to face interactions can be handled with an AMS.AMS’s also act as a central hub for all the valuation products a CU might need across their spectrum of loan products: new purchase, refinance, and the various equity lending products. CUs that are utilizing these solutions will keep costs down, have reasonable turn times, handle lockdown restrictions easier, and ultimately have happier members.CUs can embrace the unprecedented year and make the most of lending in 2021 by adding technology solutions to their lending department.PS. We know that implementing new digital technology solutions can be difficult. Read our How-To article on embracing new technology solutions. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,David Chiappe David Chiappe is the President of SharperLending LLC and its divisions, including the SharperLending Mortgage Services Division, the mortgage services, Verisite, and Appraisal Firewall platforms; SharperLending Credit Division, technology for … Web: https://sharperlending.co Detailslast_img read more

Local communities provide free internet, gadgets to students amid e-learning barriers

first_imgSimilarly, internet cafes and popular haunts in Yogyakarta have also provided free internet access to local students during the online learning period, courtesy of the fundraising campaign that can be accessed at kitabisa.com/bisasekolah.One local initiative has taken the innovative approach of providing mobile internet access aboard a vintage Volkswagen van that regularly goes around a number of villages across the region.Dubbed “VW Combi Internet Keliling”, the van broadcasts a wireless internet signal as it drives around Sleman regency and Klaten regency from 9 a.m. to 1 p.m.A survey conducted by the Indonesian Child Protection Commission (KPAI) in April involving 1,700 students and 602 teachers in 54 cities and regencies found that 42 percent of students could not afford internet packages, making it difficult for them to make video calls with their teachers.Topics : “We call them ‘Rumah Kembali Belajar’ [‘Learn Again Home’],” Kitabisa program manager Satria said in a statement on Thursday. “The initiative is the result of our concerns regarding the learning situation amid the pandemic, especially among students whose parents are informal workers.”On-site volunteers are present to ensure strict adherence to health protocols among students over the course of the daily learning period, which runs from 6.30 a.m. to 2 p.m., from Monday to Friday, he said.“Every part of the society has a right to education whatever the circumstances,” IRES executive director Hari said.Read also: EXCLUSIVE: ‘Kids feel lonely’ amid extended remote learning period, Nadiem says Amid the slew of technological and financial limitations that come with online learning, several local communities across Java have taken it upon themselves to provide students with free access to electronic gadgets and internet connectivity during the COVID-19 pandemic.Karang Taruna Petamburan, a youth organization in Tanah Abang, Central Jakarta, for instance, has collaborated with nongovernmental organization Indonesia Resilience (IRES) and crowdfunding platform Kitabisa to open makeshift learning centers equipped with smart devices and wireless networks that local students are able to access for free, under the supervision of adult volunteers.  The learning centers, established at the At-Tawadhu mushola and Berase Art Studio, are expected to ensure a more seamless online learning experience for local elementary, junior high and high school students.last_img read more

Governor Wolf Gives Winter Storm Update, Strongly Urges Public Not To Travel

first_img January 23, 2016 Governor Wolf Gives Winter Storm Update, Strongly Urges Public Not To Travel Blizzard 2016,  Press Release,  PSA,  Weather Safety Harrisburg, PA – Governor Tom Wolf and state transportation and emergency management officials today again strongly urged the public not to travel to allow road crews to continue their efforts to clear snow from state and local roadways.For photos and video of this press conference, click here.“My top priority is the safety of the people of Pennsylvania,” said Governor Wolf.  “In order to avoid accidents and further congestion, we are strongly urging all citizens to avoid road travel at this time,” said Governor Wolf. “Many Pennsylvanians have made the wise choice to stay home, and we appreciate their cooperation. ”While the heaviest snow will let up after dark, Governor Wolf, the Pennsylvania Department of Transportation (PennDOT) and the Pennsylvania Emergency Management Agency (PEMA) advised that hazardous conditions will persist through the overnight hours. High winds will likely push snow back onto roadways that have already been cleared and treated by road crews.Governor Wolf also provided an update from the Pennsylvania State Police on the backlog of vehicles, including tractor trailers, buses and cars on I-76 in Somerset and Bedford counties. At this time, state and local first responders are providing food and water to the stranded motorists while crews attempt to remove all disabled vehicles as soon as possible.“This is an active emergency response that we are monitoring around the clock,” said Governor Wolf. “We are deploying every available resource to make sure they are checked on regularly as public safety officials work to resolve the situation.”PennDOT has now lifted the speed restrictions put into place earlier today on Interstate 70 in Washington, Westmoreland, Bedford and Fulton counties and Interstate 79 in Greene, Washington, Allegheny and Beaver counties.I-76 Response and Driver ChecksEarlier today, as westbound tractor-trailers became unable to climb a hill toward the Allegheny tunnels, traffic backed up behind them. As progress was made to clear the initial stranded trucks, other trucks also became unable to go up the hill. This caused a backlog for vehicles. Due to the backlog, emergency crews were unable to get heavy–duty tow trucks to the scene to clear the disabled trucks. The backlog also prevents Turnpike road crews from being able to clear the snow for motorists.Plan X was instituted by PSP and the Turnpike overnight to start turning people around, and having cars exit turnpike in opposite direction. Plan X is the method by which the Turnpike Commission, in emergency situations such as multiple vehicle accidents, closes certain sections of the Turnpike and reroutes traffic around the affected sections.When the backlog was reported, PEMA contacted Somerset/Bedford emergency management to add extra resources for driver checks by first responders on ATVs. There are five fire departments, including Shanksville, Berlin, Shawnee Valley, New Baltimore, and Somerset, and Pennsylvania State Police personnel performing driver checks. Every car has been checked multiple times. At this time, state and local first responders are proving food and water to the stranded motorists while crews attempt to remove all disabled vehicles as soon as possible.The Pennsylvania Turnpike Commission is refueling cars that are low on fuel so they can keep heat running in their cars. There is a warming shelter at the Bedford exit, with additional EMS on standby there. The Pennsylvania National Guard, as a second responder, has been deployed with shovels, MREs, water and chains to assist with driver checks and stuck cars.Like Governor Tom Wolf on Facebook: Facebook.com/GovernorWolfcenter_img SHARE Email Facebook Twitterlast_img read more

Top seven tips all unit-dwellers need to know to avoid a nightmare neighbour

first_imgUnits on the Gold Coast. Picture: Nigel HallettLIVE in a unit?You may know your neighbours better by their habits than their names but body corporate management firm Archers says there are ways to make loving thy neighbour possible. Archers spokesman Andrew Staehr said capital city population growth meant more people were living within close confines and sharing facilities and spaces.“In our multicultural society, it can be quite a challenge to have everyone, with different lifestyles and values, get along, and nowadays you’re more likely to know your neighbour by their habits than by their name,” Mr Staehr said.“Often, strata neighbours can end up in conflict over the smallest or strangest things, sometimes caused by a simple misunderstanding or miscommunication.”Mr Staehr said there were several common complaints. “Ever cooked a really pungent curry, with spices like garam marsala, cumin and cardamom, and revelled in its deliciousness?” he said.“Turns out your neighbour possibly was not.More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach North8 hours ago02:37International architect Desmond Brooks selling luxury beach villa1 day ago“In fact they could have already been calling your body corporate to make a complaint.”Top tips for getting along with your neighbours:1. Always be polite and friendly. Introduce yourself, make a note of their names and consider exchanging email addresses so you can share neighbourly news.2. Build relationships with your neighbours. This will minimise complaints and conflict3. Be alert to your surroundings Let your neighbours (or police) know if something doesn’t look or sound right.4. Co-operate with your strata manager. If you receive a note asking to keep the noise down or with another request or warning, take action to remedy your behaviour5. Act on reasonable requests. If your neighbour asks you to stop parking in front of their driveway or garage, do so immediately.6. Be apologetic. If it’s your kids terrorising the apartment block, openly and sincerely apologise and show others that you are doing something about it.7. Position noisy appliances away from shared walls.last_img read more

AP funds set for 40% illiquids cap as government relaxes mandates

first_imgThe ministry said the proposal was also aimed at strengthening and clarifying the regulations on the funds’ sustainability work.The draft rules put a focus on sustainability into legislation for the first time and clarify the connection to Swedish environmental goals as well as to international agreements, it said.“With this proposal, I am convinced that the AP funds will reduce the environmental impact of their portfolios and place themselves in the absolute top layer in terms of sustainability,” Bolund said.“This is necessary if the Paris agreement and the objectives of Agenda 2030 are to be reached,” he said.The wording of the funds’ investment guidelines is to be changed to state that a maximum of 40% of the funds’ assets can be held in illiquid investments, replacing the current text which limits investment in unlisted instruments to 5% of assets.According to the draft, the funds will not be required to sell illiquid investments if strong market movements — for example, a sharp fall in the price of listed securities — force the proportion of illiquid investments above 40%, saying that such a requirement could be detrimental to pension assets.The proposal also says the funds must work together on responsible investment and develop guidelines jointly, and that they must work to become exemplary in the field of sustainable investment.Back in May, when Bolund talked about the plan to relax investment restrictions, AP2 said the move would be positive because the return levels the fund had achieved historically would become increasingly difficult to attain under the current regulations.Niklas Ekvall, chief executive of AP4, said the fund welcomed the proposal. “A modernisation of the current investment rules will give us better prospects of achieving our long-term return goal and therefore of fulfilling our mission within the pension system,” he said.“Apart from having greater freedom in the choice of investments, it is also crucial to have enough flexibility so that investment can be carried out as cost-effectively as possible.” However, Ekvall pointed out that the proposed new 40% ceiling on illiquid investments would include real estate investments.The proposal has come from the cross-party Pensions Group and the deadline for consultation responses is 26 October.The new rules are scheduled to take effect on 1 July 2018. Sweden’s main national pensions buffer funds — AP funds one to four — are set for big changes to their long-berated investment restrictions next year after the government formally proposed a package of liberalisations.The Swedish finance ministry has announced a number of draft changes including a new 40% ceiling on illiquid investments in place of the current 5% lid on unlisted instruments, with the new allowance to include real estate – which is unlimited under the current rules.The proposal also includes a reduction in the minimum allocation – from 30% to 20% – to interest-bearing securities with low credit and liquidity risk that the funds must have, abolishes the rule that 10% of their assets must be managed externally, and removes the funds’ option to invest in commodity derivatives.Per Bolund, financial markets minister, said: “Over time, investment patterns change and therefore we also need to review the investment mandates of the first four AP funds.”last_img read more