Category: kluzdotc

‘Georgia Gardener.’

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first_imgUGA CAES File Photo Walter Reeves. On “Gardening in Georgia” this week, host Walter Reeves has a little something for almost every gardener: controlling weeds, preparing soils for planting, feeding and attracting birds to your yard and more.Reeves shows how to make a giant paintbrush to “paint” weeds out of your lawn without hurting your grass. All you need is a rake, an old towel, some string and a herbicide.A popular gardening show in its third season on Georgia Public Television, this week’s show includes a couple of recipes. One is for preparing soil for planting. The other is for cooking homemade suet for the birds. Reeves takes a look, too, at the eye-catching purple hyacinth bean.Besides all that, guest Wayne McLaurin lists the best cucumber varieties for your backyard garden. And Jim Midcap shows the Lenten rose (Helleborus orientalis), a 1999 Georgia Gold Medal Winner.Wednesdays, Saturdays on GPTV”Gardening in Georgia” airs on Wednesdays at 7:30 p.m. and is rebroadcast on Saturdays at 12:30 p.m. on GPTV. The show is designed specifically for Georgia gardeners. It’s produced by the University of Georgia College of Agricultural and Environmental Sciences and GPTV.last_img read more

SBA Proposes Legislation to Add $3 Billion to 7(a) Loan Program

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first_imgThe U.S. Small Business Administration announced a new legislative proposal that is expected to add at least $3 billion in lending authority to the 7(a) loan program this year. If enacted, the bill would allow the agency to increase lending authority by more than 30 percent, providing money for thousands more small loans in fiscal year 2004. The bill would also remove the current lending cap of $750,000, and allow loans up to $2 million.”This proposal builds on the success of the SBA Express program, and by significantly increasing 7(a) lending authority, will allow the SBA to reach out to tens of thousands more small business owners every year,” SBA Administrator Hector V. Barreto said. “The legislation provides more money for small business loans this year, at a time when the program is facing unprecedented demand.”By expanding the SBA Express program, which allows lenders to apply for 7(a) loans using their own forms and processes instead of lengthy and burdensome government forms, the entire 7(a) program would move to a lower guaranty rate of 50 percent. This reform would allow the agency to increase lending authority by over 30 percent. Based on FY 2003 numbers, that increase could have resulted in more than 22,000 additional loans to America’s entrepreneurs. If enacted for FY 2004, the lower guaranty rate and increased number of loans could provide capital to create as many as 500,000 new jobs.The proposed changes have the added benefit of moving the 7(a) program toward the goal of a permanent zero subsidy level. Preliminary data indicates that if this proposal is passed and signed into law, 7(a) could move to zero subsidy with fees that are below current congressionally mandated rates, making 7(a) loans even more attractive to small business owners and lenders.last_img read more

US Defense Secretary Sending More Ships To Haiti

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first_imgBy Dialogo January 20, 2010 U.S. Defense Secretary Robert Gates said in India Wednesday the port-clearing ship will help remove debris that has prevented larger ships with food and other vital supplies from making deliveries to help those affected by last week’s powerful earthquake. His comments come as U.S. military steps up its presence in Haiti On Tuesday, U.S. helicopters landed on the grounds of the shattered presidential palace to deploy troops and aid supplies in Port-au-Prince. Later Wednesday, a U.S. Navy hospital ship equipped with 1,000 beds is expected to arrive. Two critically injured boys were airlifted to the ship late Tuesday for emergency surgery. In New York, the U.N. Security Council agreed to add 2,000 troops and 1,500 more police to the thousands of U.N. forces already in Haiti. U.N. peacekeeping chief Alain Le Roy said the extra troops will be used to protect humanitarian convoys. Teams from all over the world have come to Haiti to provide assistance after last week’s 7.0 magnitude earthquake. But efforts to distribute aid have been hampered by numerous problems, including blocked roads, bureaucratic confusion and the collapse of local authority. U.N. officials say despite the problems, progress is being made. Search and rescue teams from several countries have freed 90 people buried under collapsed buildings, including an elderly woman on Tuesday who was trapped under rubble for a full week. Officials estimate the earthquake killed about 200,000 people and affected an estimated three million — about a third of Haiti’s population. Haitian authorities said 75,000 have been buried in mass graves. The U.S. State Department says Haitians who need emergency help inside the country can send a text message with their needs and their location to the number “4636.” That message will be passed on to aid organizations that can respond, or give directions to the nearest aid distribution points. The service currently only works with the Digicel mobile phone service. U.S. Secretary of State Hillary Clinton will travel to Montreal, Canada Monday for meetings to prepare for an upcoming donor’s conference to raise money for Haiti.last_img read more

The Uberized credit union

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first_img 68SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bradley Blue No matter what Brad were to say about himself in this bio, it would be easy to find the truth about him with a simple google search. This applies to … Details So many recent articles have talked about our need to “Uberize” credit unions. But how?How can we disrupt an industry that has traditionally had little competition by facilitating mutually beneficial exchanges between people with existing assets and people who need them?(Pauses for dramatic effect.)(Waits for the stragglers to catch on.)Credit unions were disruptive long before Uber was a sparkle in Garrett Camp’s eye. In fact, this chart in Google’s NGram viewer makes it seem as if the term “disruptors” was invented just for us.Beginning in 1934, when the government finally allowed credit unions to compete with banks, it took credit unions just over 30 years to reach 50 million members. In today’s world this may seem slow, but consider it took the telephone 75 years to reach 50 million users, just over 50 years to reach 50 million US air travelers, and about 40 years to reach 50 million US car owners. For a modern reference, Uber has yet to eclipse even 10 million users worldwide in its 7 years of existence.(Graph courtesy of Credit Union Resouces Inc.)Credit unions were once the disrupter to banks what Uber is now to taxis, but our collective hustle to “Uberize” banking shows how far removed our industry is from those grassroots beginnings. In so many ways, we have become just another taxi brand waiting in line at the airport with the other assorted national and community brands, waiting for our turn to be called forward, and watching Simple, Venmo, Ally, Square, Lending Club, Credit Karma etc. bypass the line repeatedly to pick up fares.The best way for credit unions to “Uberize” is to stop looking like the rest of the cabs. When is the last time someone passed on a taxi for a different brand of taxi? It happens all the time with Uber because the company is remarkably different in convenience and cost. In the same way, credit unions must present a remarkably different value proposition to bypass the line of banks. And while we may not be able to become more convenient than these newcomers due to the costs and risks inherent in doing so, we already offer better rates, and we’ve got a value proposition in our cooperative structure which cannot be emulated by competitors.A differentiated credit union industry pays dividends, emphasizes member participation in annual meetings and other activities, provides personalized service, and participates meaningfully in the communities it serves. It delivers better rates, charges fewer fees, and conducts business in transparency. Most importantly, a differentiated credit union industry highlights member ownership as the primary point of differentiation.When we repeatedly hear the myth that “nobody cares about the credit union difference,” it’s tempting to believe it and start to look for success in faster delivery channels, sexier apps, etc. And while emulating the quick growth of Uber by developing technology is enticing, we shouldn’t ignore the successful strategies used by one of the most powerfully disruptive movements in history: our own.last_img read more

Morning Digest: The next stop on our tour of 2020’s presidential results by district: South Carolina

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first_imgCampaign ActionWhile most Palmetto State polls showed Donald Trump running well behind his 55-41 2016 margin of victory, Trump ended up taking South Carolina by only a slightly smaller 55-43 last week. Trump once again carried six of the state’s seven congressional districts, with Joe Biden winning House Majority Whip Jim Clyburn’s heavily Democratic 6th District.- Advertisement – – Advertisement – The closest constituency, not surprisingly, was the 1st District along the coast, where Trump moved downward from 53-40 to only 52-46. This shift to the left, though, wasn’t quite enough for freshman Democratic Rep. Joe Cunningham, who lost re-election 51-49 against Republican Nancy Mace.Trump carried his other five seats by double digits. The closest was the 2nd District in the Augusta and Columbia suburbs, which supported him 56-39 in 2016 but by a smaller 55-44 in 2020. Democrats hoped before Election Day that veteran Rep. Joe Wilson, a Republican who infamously screamed “You lie!” at Barack Obama during a congressional address in 2009, could be vulnerable there against well-funded Democrat Adair Ford Boroughs, but Wilson won by a comparable 56-43. The 6th District, meanwhile, moved from 67-30 Clinton to 67-32 Biden.Georgia Runoffs● GA-Sen-A, GA-Sen-B: Though the Georgia runoffs are little more than a week old, Advertising Analytics reports that $45 million has already been spent on the airwaves in both races, with $31 million coming from the campaigns themselves.- Advertisement – It gets predictably worse from there. Among other things, the ad claims Warnock “hosted a rally for communist dictator Fidel Castro” while showing some grainy footage from 1995. Warnock doesn’t appear in the clip, though: His campaign says he was only a junior member of the staff at the church where Castro spoke and wasn’t involved in the decision to invite the late Cuban leader.The second ad resurfaces Jeremiah Wright, the former Chicago pastor whose incendiary sermons attracted great scrutiny during Barack Obama’s first presidential campaign in 2008. It features footage of Wright angrily orating from the pulpit, interspersed with clips of Warnock defending Wright. The spot concludes with the narrator spitting, “Raphael Warnock: a radical’s radical.”Warnock was one of several Black clergyman who spoke out on Wright’s behalf at the time, saying his most inflammatory remarks had been divorced from the full context of the sermons from which they were drawn. Earlier this year, he stood by his past statements, saying, “Any fair-thinking person would recognize that everything a government does, even the American government, is not consistent with God’s dream for the world.”Uncalled RacesQuite a few contests remain uncalled, but we’re tracking all of them on our continually updated cheat-sheet, and of course we’ll cover each of them in the Digest once they’re resolved.● IA-02: Democrat Rita Hart announced Thursday that she’d seek a recount in this open seat contest; Hart trailed Republican Mariannette Miller-Meeks by 47 votes as of Thursday afternoon. Miller-Meeks, for her part, has declared victory while refusing to acknowledge Joe Biden’s win.● NJ-07: While the Associated Press called this contest for freshman Democratic Rep. Tom Malinowski just after Election Day, the race has dramatically tightened over the following week and plenty more ballots remain to be counted.Malinowski went from holding a 28,400 vote lead over Republican Tom Kean Jr. on Nov. 4 to an edge of 6,275 as of Thursday afternoon. The New Jersey Globe’s David Wildstein projects that there are close to 38,800 ballots left to count at the very minimum, and “that number could be as high as around 60,000.” The AP, though, has not retracted its call.Called Races● IL-14: On Thursday, the Associated Press called the race for this seat in Chicago’s western exurbs for freshman Democratic Rep. Lauren Underwood. The congresswoman’s victory also means that Republican Jim Oberweis has yet another high-profile defeat in his ledger.  ● NY-11: Republican Nicole Malliotakis reclaimed this Staten Island-based seat for her party, and freshman Democratic Rep. Max Rose conceded on Thursday.● CA Ballot: The Associated Press has called a victory for Proposition 19, known as the Property Tax Transfers, Exemptions, and Revenue for Wildfire Agencies and Counties Amendment. CBS San Francisco describes Prop. 19, which passed 51-49, as a measure that “gives exemptions to older homeowners, the disabled and wildfire victims and strips breaks from people who inherit homes but don’t live in them.”● Maricopa County, AZ Recorder: Republican Stephen Richer reclaimed this post for his party by unseating Democratic incumbent Adrian Fontes 50.1-49.9, and Fontes conceded on Thursday. The recorder is tasked with administering elections in Maricopa County, which is home to more than 60% of the state’s population and whose 4.5 million residents make it the fourth-largest county nationally. However, Republican county Board of Supervisors members took control of key powers from Fontes’ office following his 2016 victory.● NC Auditor: The AP has called this race for Democratic incumbent Beth Wood, who turned back Republican Anthony Street 51-49.Gubernatorial● AR-Gov: Republican Gov. Asa Hutchinson is termed-out in 2022, and the GOP primary to succeed him has been underway for well over a year now. Lt. Gov. Tim Griffin, who previously represented central Arkansas in the U.S. House from 2011 to 2015, announced that he was running all the way back in August of 2019. Attorney General Leslie Rutledge, whose 2014 victory made her the first woman and the first Republican to ever hold this post, also entered the contest in July of this year.There may also be more takers for Team Red before too long. The potential candidate who has generated the most chatter for years is former White House Press Secretary Sarah Huckabee Sanders, the daughter of former Gov. Mike Huckabee: When Sanders was asked about her interest in this post in a September appearance on “Good Morning America,” she only replied, “We’ll see.”Senate Majority Leader Jim Hendren was more direct this month, and he acknowledged he was considering a gubernatorial bid on election night. Political columnist Steve Brawner recently wrote that Hendren could be a hard sell for GOP primary voters, though, saying he “made the career-killing mistake of trying to craft workable bipartisan solutions to challenging problems.”● AZ-Gov: Republican Gov. Doug Ducey is ineligible to run for a third term in 2022, and this swing state is very likely to be a major battleground. One Democrat who has gotten plenty of attention as a possible candidate is Secretary of State Katie Hobbs, and she expressed interest in running at the end of 2019. Hobbs also predicted at the time she’d decide “probably in early ’21.”On the Republican side, the Arizona Republic’s Laurie Roberts wrote last month that state Treasurer Kimberly Yee seemed to be positioning herself for a bid. Yee, Roberts noted, appeared in commercials this year opposing Proposition 208, a ballot measure to create a new tax on high earners to fund schools.Prop. 208 ultimately passed 52-48, but Yee’s campaign against it may have boosted her name recognition. Indeed, Roberts notes that then-state Treasurer Doug Ducey himself increased his profile in 2012 by chairing the successful campaign against a referendum to fund education, a campaign that took place two years before Ducey was elected governor. Republican politicos also speculated last month that Ducey was behind Yee’s anti-Prop. 208 campaign, with one consultant saying, “It’s Ducey’s attempt to anoint somebody in the next cycle because we know he’s not happy with other elected officials in this state.”Roberts added that the Republican that Ducey seems to want to block is state Attorney General Mark Brnovich, whom she says is “expected to make a run” for governor in 2022. Brnovich, who will be termed-out of his current post that year, has repeatedly clashed with Ducey; in September, Brnovich notably challenged Ducey’s order closing bars in order to stop the spread of the pandemic.  ● MN-Gov: Republicans have struggled statewide in recent years in Minnesota, which Joe Biden took 52-45 last week, but they’re hoping that Democratic Gov. Tim Walz will be vulnerable in two years. Retiring state Sen. Scott Jensen recently told the Star Tribune’s Patrick Condon that he was thinking about running, and Condon adds that state Senate Majority Leader Paul Gazelka is “seen as a likely candidate.”A few other Republicans aren’t closing the door. Rep. Pete Stauber responded to speculation by saying he was flattered but focused on his current job, which is not a no. State Sen. Carla Nelson, who lost the 2018 GOP primary for Congress to now-Rep. Jim Hagedorn, also said when asked if she was interested in running for a statewide post, “I never closed any doors.” Last week, Minnesota Morning Take also relayed, “Other names from solid sources on the 2022 Republican short list for Governor” include state Rep. Barb Haley and NBC sportscaster Michele Tafoya as possibilities, though there’s no word if either are actually thinking about it.Finally, it seems we’re in for another cycle of trying to decipher My Pillow founder Mike Lindell’s political intentions. A reporter tweeted last month that Lindell had told the crowd at a Trump event that he’d run, but KTTC quoted him at the time as saying, “Absolutely, if the president wins I’m gonna run.” (Emphasis ours.)Later on Nov. 4, Lindell told the Minnesota Reformer he had planned to run if Trump carried Minnesota, something that the far-right pillow salesman acknowledged at the time didn’t end up happening. Lindell added, “But now I’ve gotta debate and I’ve gotta pray about it and see what happens with the presidential election. (They) might need me now more than ever.” Days later, Lindell baselessly accused Joe Biden of only winning Minnesota through fraud.● NE-Gov: There will be a wide-open race to succeed GOP Gov. Pete Ricketts in 2022, and there are plenty of Republicans who could campaign in this very red state. The only one we’ve heard publicly express interest so far is state Sen. Brett Lindstrom, who acknowledged he was considering in November of last year.On the Democratic side, 2018 nominee Bob Krist announced in April of 2019 that he was running again, a move that came months after he lost to Ricketts 59-41. Krist went on to endorse Republican Rep. Don Bacon in his successful re-election campaign this year.● PA-Gov: While there are plenty of Democrats who could run to succeed termed-out Democratic Gov. Tom Wolf, Sen. Bob Casey said this week that he’d stay out of the 2022 contest.● SC-Gov: Republican Gov. Henry McMaster’s campaign chief said in May of 2019 that the incumbent would seek a second full term in 2022. McMaster was elevated from lieutenant governor to governor in 2017 when Nikki Haley resigned to become Donald Trump’s first ambassador to the United Nations, and he was elected in his own right the following year. Republicans so far make up most of that spending: David Perdue has shelled out $19 million and Kelly Loeffler $6 million, while Democrats Raphael Warnock and Jon Ossoff have spent $4 million and $2 million, respectively. Meanwhile, two super PACs aligned with Mitch McConnell, the Senate Leadership Fund and American Crossroads, are each reportedly putting in $4.5 million.Loeffler, unsurprisingly, is using her airtime to launch attacks against Warnock, who largely avoided getting targeted with negative ads during the first round of voting since Loeffler was pre-occupied with staving off fellow Republican Doug Collins. Now she’s amping the usual GOP playbook to 11.The first of her two new spots starts with a shot of young school kids (all but one of whom are white) with hands on hearts, presumably reciting the pledge of allegiance. A scary-sounding narrator declares, “This is America—but will it still be if the radical left controls the Senate?”- Advertisement –last_img read more

TripAdvisor Transformation: Most Selling Experiences

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first_imgSoftware sales For the past couple of years, the company has been generating the most revenue from selling the experience. However, they face competitors like Airbnb, Booking.com, Ctrip, Expedia, GetYourGuide, Klook, KKDay and others who are trying to get their share of the pie related to excursion offers, activities and attractions. Despite this, TripAdvisor claims that they are still the leaders in offers and reservations around the world. Last year, TripAdvisor acquired Bokun, a software company that offers tour operators the option of an online booking service. “This is an aspect that is very difficult for others to replicate, ”He said, probably referring to the marketing challenge faced by well-funded startups like GetYourGuide and Klook in gaining customers. “The competition is fierce”, Said CEO Steve Kaufer. But it claims TripAdvisor has the most online users buying experiences. He noted that the company has an average of between 400 and 500 million visitors a month. The company plans to focus on demand because they want to attract tour operators and experience providers with the most profitable offers. Investments in marketing Source: Shift; TripAdvisor TripAdvisor claims that their strategy is to be one of the world’s largest travel agencies offering experiences like parasailing and hiking tours. But this week, they revealed a few more tactics with which they want to achieve this, reports Skift. Supply growth Last year, TripAdvisor spent $ 115 million on television advertising, and this year the plan is more or less the same. But the message they send will change over time. Last year’s campaign presented TripAdvisor as a hotel price comparison site. This year, TripAdvisor will be touted as a place to book experiences. Kaufer said that TripAdvisor and its sister brand Viator “leading in supply in most parts of the world.“He said the company now offers 202 experiences across the platform, more than the competition and twice as much as TripAdvisor offered a year ago. “We offer Bokun practically free”, Said CFO Ernst Teunissen. “We offer this software to new suppliers as an additional service. Although it does not bring us much income at the moment, it has the potential to do so in the future.” Tickets at a discount TripAdvisor said in 2018 that their earnings from the experience reached $ 48 million. This year, TripAdvisor plans to encourage cheap experiences like museum tickets and group walking tours. In the first quarter of 2019, the company spent $ 24 million of $ 80 million in revenue on product development and marketing, but also on discounts and promotions.last_img read more

PTSD in women may have genetic link

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first_img 95 Views   no discussions Share Sharing is caring! CNN News Share Tweet After a single traumatic event, as many as one-fourth of people exposed will develop post-traumatic stress disorder, a psychiatric disorder characterized by anxiety, hyperarousal and persistent unwanted memories.Scientists are looking for genes or gene pathways that can help better predict PTSD. A new study in the journal Nature suggests one such route in women: through a protein called pituitary adenylate cyclase-activating polypeptide, which is known to regulate the cellular stress response. Women are more likely to have PTSD in general; 10% of women and 5% of men develop the condition sometime in their lives.Participants, of which there were more than 1,200, came from an impoverished area around Atlanta, Georgia, and did not have military-related trauma. Interpersonal violence, gunshot violence, sexual assaults and other abuse were some of the triggers of PTSD reported.Study results suggest that a particular gene variant for PACAP may be sensitive to both estrogen and stress, because it is associated with women who have PTSD.“It helps us to understand that PTSD is complex,” said Dr. Kerry Ressler of Emory University School of Medicine, lead study author. “There are many individual ways that people come to PTSD, in the same way that there are probably 100 different ways to come down with heart failure.”This is probably one of many biological pathways that lead to PTSD, he said. Understanding it will help get a better picture of the biology and the neural circuitry of PTSD, and could have implications for future diagnosis and treatment of the condition.Ressler’s group found that this gene variant is highly associated with all three subcategories of PTSD: hyperarousal, intrusive memories and avoidant behavior. It could be broadly linked to all of them, or perhaps the definition of PTSD is not specific enough to what’s going on biologically, Ressler said.In rodents, the parts of the brain associated with fear and stress alter the regulation of these genes with fear learning. This could be happening in humans also, he said.The gene variant described in the research influences the key human stress response system, which is central to PTSD and so it makes clinical sense that it would be involved, said Dr. John Markowitz, PTSD researcher at Columbia University College of Physicians and Surgeons, who is not a geneticist but offered his clinical perspective on the research.But, Markowitz cautioned, in an e-mail, “the history of psychiatric genetics is littered with findings subsequently retracted or not borne out.” This particular study, which he called an “elegant research report,” has results that apply only to an estrogen gene in chronically traumatized women.There is more work to be done to examine the roots of PTSD in men, and there may be other pathways involved in women with acute trauma, Markowitz said. Another next step would be to examine whether the results of this study are consistent in members of the military. Share HealthLifestyle PTSD in women may have genetic link by: – February 25, 2011last_img read more

Local church announces Adoption Support Group meetings

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first_imgBatesville, In. — The Batesville Christian Church will host adoption support group meetings on the fourth Monday of each month between February and July of 2019. The meetings will be held at the church at 1294 Columbus Avenue from 11:30 a.m. to 1 p.m.For more information please call 812-929-3234.last_img

Neville takes responsibility

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first_imgPhil Neville accepts responsibility for his part in Manchester United’s “disaster” last season but has suggested the club’s new boss Louis van Gaal has an easier job on his hands than predecessor David Moyes. Neville, the former United full-back, was on the Red Devils’ coaching staff last term as they struggled under Moyes before finishing the campaign seventh in the Barclays Premier League – a year after being crowned champions in Sir Alex Ferguson’s final season in charge. Neville told the BBC’s Test Match Special: “I’ve had sleepless nights thinking about what happened last year. “There is part of me that thinks it was an impossible job to follow Sir Alex Ferguson. “I think Louis van Gaal has an easier task now, following the man that followed Sir Alex Ferguson . “It was a really difficult job for David Moyes and I think rather than blame him, there has to be collective responsibility taken throughout the whole club. “Last year was a complete failure, and a disaster from my point of view. “But David Moyes is an outstanding manager and will go on to be one for another club – it just didn’t work out last season.” It emerged this week that Neville, who played under Moyes at Everton from 2005 to 2013 after concluding his 10-year United playing career, will no longer be part of the coaching staff at Old Trafford. The 37-year-old former England international has signed up to be a pundit for the BBC this season, and while talking about that on Twitter on Wednesday, he responded “no” to a question asking: “Phil, are you still on the coaching team at United?” center_img Press Associationlast_img read more

Recreational pot proposal shelved for 2020

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first_imgAccording to reports, the proposal for recreational marijuana use in Florida will not go on the November ballot.Make It Legal Florida, a political committee, has been attempting to meet a requirement to submit 766,200 valid petition signatures to the state of Florida by the deadline- February 1st.However, they need more time. Reports say the committee went to court to try to get more time.Nick Hansen, chairman of the committee, said supporters will try to put the issue on the 2022 ballot.The proposal would allow people 21 or older to “possess, use, purchase, display, and transport up to 2.5 ounces of marijuana and marijuana accessories for personal use for any reason.”last_img