Credit unions committed to financial education

first_imgCredit Unions build stronger communities with innovative financial education programs.by: Dianne Molvig“Financial education is part of credit unions’ DNA,” says Gigi Hyland, executive director of the National Credit Union Foundation, the credit union movement’s philanthropic arm.In fact, providing financial education comes as naturally to credit unions as opening checking accounts or issuing car loans. That’s why they’ve gained a reputation in communities across the country as the go-to resource for financial literacy training.“That’s a great place for credit unions to be,” Hyland says.Still, she’d like to see credit unions do more to tout their financial education achievements. The Foundation analyzes programs and approaches that work best, and assesses financial education’s impact on people’s lives.“At every turn,” Hyland says, “we urge credit unions to talk more frequently and more forcefully about what they’re doing to improve the financial lives of people in their communities.” continue reading » 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Mayer survives pole-vault jitters to win decathlon

first_imgBy Brian HomewoodLONDON (Reuters) – Frenchman Kevin Mayer led throughout the day to win the world decathlon title on Saturday and fill the void left by Ashton Eaton’s retirement — although he nearly threw it all away on the pole vault.German pair Rico Freimuth and Kai Kazmirek took silver and bronze while twice former world champion Trey Hardee was one of more than a dozen of the original 35 starters who dropped out over the course of the notoriously tough contest.Olympic silver medallist Mayer led from the shot put on Friday morning and looked to be cruising to his first world gold until he decided to skip the opening pole vault heights and enter the fray at 5.10.The move nearly proved disastrous as he missed his first two attempts, then grazed the bar on his third.Despite an unnerving wobble, the bar stayed in place and Mayer avoided a zero score which would have wrecked his chances, instead increasing his lead over Rico.He comfortably came through the javelin and 1,500 metres, the final of the 10 events staged over two exhausting days, to see himself safely home.Mayer finished on 8,768 points with Freimuth, with 8,564 and Kai Kazmirek 8,488, taking the silver and bronze medals.Hardee, fifth overnight, pulled out after a miserable morning in which he failed to pick up any points in the first two events.He clattered into the third hurdle in the 110 metres hurdles, then produced three foul throws in the discus before calling it a day.The event was left open by the retirement earlier this year of American Ashton Eaton, who had dominated recently, winning the last two Olympic and world titles.Canadian Damian Warner, often seen as the man most likely to break Eaton’s dominance, finished fifth.last_img read more

Men’s volleyball swept by BYU in Provo

first_img“It just comes down to those one or two small plays that can just change the tables,” McKibbin said. “We just kind of fell short in the end. That’s just something we’re continually working on.” “They are a tough serving team and that put us out of system quite a lot of times,” sophomore setter Jameson McKibbin said. “And granted, our out-of-system setting is pretty solid, [but] there comes a point in time where you can’t just be out of system that much.” Having one player lead the entire team by double digits in production on the net suggests a lack of confidence in executing a diversified set of plays. Even though BYU’s top offensive performer, sophomore outside hitter Davide Gardini, finished with just nine kills in comparison, the team still outpaced the Trojans in total number of kills. Seven players logged multiple kills while USC had five.  The Trojans went neck-and-neck with the Cougars in the third set, giving themselves a chance to take the match to four sets as they executed five kills that established a lead by the 16th point. However, missed serving opportunities allowed BYU to reclaim the lead and eventually the game, with USC logging three service errors in the last 11 plays.  The USC men’s volleyball team fell in three straight sets to No. 2 Brigham Young University on the road Saturday. The loss drops the Trojans to 1-5 in conference play and 3-12 overall while BYU improves to 15-0, extending its lead in the Mountain Pacific Sports Federation. While proving an explosive force at the net, the production gap between his play and that of his teammates was substantial in this game. Freshman outside hitter Adam Flood seconded Fauntleroy’s performance with seven kills, but got only 16 looks overall.  USC will play UCSB at North Gym Saturday at 2 p.m. While Fernandez didn’t finish a point behind the service line this match, his sheer power alongside servers like sophomore opposite hitter Alex Ah Sue and senior outside hitter Zach Eschenberg threw USC out of system multiple times, forcing setting adjustments and throwing the offense out of its normal position. While USC has capable hitters and adequate setter coverage, not being able to set up plays proved to be detrimental in handling opponents with a deadly offense of their own.center_img USC was competitive at the beginning of each set, but individual errors allowed the Cougars to go on runs that dug the Trojans into the ground by the 25th point. USC’s inconsistency could be attributed to BYU’s impressive serves and the Trojans’ inability to return them. BYU junior opposite hitter Gabi Garcia Fernandez currently leads the NCAA with 42 aces on the season. The second-closest player, UCLA freshman setter Mads Kyed Jensen, has 30. Sophomore setter Jameson McKibbin led USC with 29 assists during its match against No. 2 BYU Saturday. (Ling Luo | Daily Trojan) As USC looks forward to continued conference play with another ranked matchup next weekend against No. 3 UC Santa Barbara, the Trojans will have to prepare for another tough serving team and an offense that has the capability to dominate. If they want to prevent point runs that lead to irreconcilable leads, USC will have to limit errors and be able to finish multiple offensive routes. In the first two sets, BYU established substantial leads at the 10-point marker by forcing multiple offensive errors on behalf of USC. By the end of the game, the Trojans logged 21 errors compared to BYU’s eight. Redshirt sophomore outside hitter Billy Fauntleroy provided the Trojans’ strongest individual performance. For the fifth match of the season, Fauntleroy logged double-digit kills, collecting 14 in the three matches out of an overall 27 attacks. last_img read more

From Tiny Bones to Whopper Conclusions

first_img(Visited 29 times, 1 visits today)FacebookTwitterPinterestSave分享0 It doesn’t take much to stimulate an evolutionist’s imagination.  A tiny middle ear bone will do.The press all jumped on a report that some early fossil apes had “human-like” middle ear bones.   The paper, published in PNAS, alleges that the malleus (hammer) of Paranthropus and Australopithecus africanus have human-like proportions, whereas the incus (anvil) and stapes (stirrup) retain ape-like proportions.  Here’s how the press took this:Nature News: “Hearing changes could be ancient in the human line.”Science Now: “Earliest Ear Bones Sound Off on Human Hearing.”New Scientist: “Early hominins couldn’t have heard modern speech.”Science Daily: “Prehistoric Ear Bones Could Lead to Evolutionary Answers.”Science Daily again: “Oldest Fossil Hominin Ear Bones Ever Recovered: Discovery Could Yield Important Clues On Human Origins.”Few reporters seem to be asking follow-up questions of less dramatic import, such as: What is the natural range of variation in the malleus among apes, and what is the natural range of variation for humans?  Has there been any reworking of these tiny delicate bones since they were deposited?  Science Now did state, “The team is not entirely sure what this precocious appearance of a human-like malleus means.”  If so, it seems premature to think that this little bone can reveal anything significant about hearing in extinct apes, much less about human origins.The little bone actually creates a problem for evolutionary theory.  Science Daily put it, “Since both the early hominin species share this human-like malleus, the anatomical changes in this bone must have occurred very early in our evolutionary history.”  Nature News quoted one evolutionary morphologist, Callum Ross (U of Chicago), who was “underwhelmed” by the announcement, stating that the outer ear has more influence on hearing than the ossicle bones.  He also discounts the importance of minute hearing changes in alleged human ancestors compared to bipedalism, feeding, and brain size.  (Speaking of brain size, another paper in PNAS asserts the surprising claim that “Human frontal lobes are not relatively large” – contradicting over a century of assumptions about human uniqueness in that regard.)The authors of the original paper are not even sure if their work has any significance to human evolution.  Nature News ended, “But Quam is confident that his team will soon demonstrate the importance of changes in the ossicles.”  Thus, another promissory note was issued in lieu of conclusory evidence.The operative word in most of these articles is “could.”  The discovery “could” yield important clues on human evolution; the bones “could” lead to evolutionary answers; hearing changes “could” be ancient in the human line.  Whenever you see that word in evolutionary claims, or its siblings “may” or “might,” you have every right to respond, “But then again, it might not lead to evolutionary answers; it may having nothing to do with human evolution; it could be irrelevant to the human line.”  After all, they have demonstrated nothing scientifically.  They are only dealing in possibilities.That’s a theme we will have to explore in future posts: the prevalence of “possibility thinking” in evolutionary circles.  Think of the possibilities!  This little malleus bone could have opened up hearing for mid-range frequencies!  That could have spurred the development of language!  That could have brought the apes down out of the trees and motivated our ancestors to walk upright!  For shame.  That’s the very kind of faith they disparage in their critics.  When an evolutionist pulls his faith on you like that, tell him to go back into the lab and keep his mouth shut until he has something observable, testable, and repeatable to talk about.last_img read more

SA looks to manufacturing for growth

first_img5 April 2013 The latest three-year roll-over of South Africa’s Industrial Policy Action Plan (IPAP) focuses squarely on boosting the country’s manufacturing sector in order to grow jobs, exports and the production of value added goods, says Trade and Industry Minister Rob Davies. Speaking at the launch of the IPAP 2013-16 in Johannesburg on Thursday, Davies said the action plan “focuses on value added production, with state support centred on nurturing and defending industrial development”. Davies emphasised that for South Africa to grow its employment, it had to pay attention to the productive sectors of the economy, and move away from being consumption-driven and import-intensive, especially with respect to value-added goods. Davies said since the launch of the first IPAP, the government had ensured that policy interventions supported localisation of state procurement in order to support local industries and job creation. “These interventions include growing our manufacturing, boosting exports, and beefing up our competition policies.” Economic Development Minister Ibrahim Patel, also speaking at Thursday’s launch, said the IPAP was the most important jobs driver envisaged in the government’s New Growth Path (NGP) economic strategy, which has set the ambitious target of creating five-million jobs by 2020. “It is about strengthening industrial policy,” Patel said, adding: “Industrial policy is back on the agenda globally. There is a growing appetite both in South Africa and the continent to industrialise and reclaim our domestic market and to expand our capacity to export to new markets.” Industrialisation was central to creating sustainable jobs not only in manufacturing but also in supporting sectors such as agriculture and mining, Patel added. The IPAP seeks to move South Africa away from a model in which modest economic growth is driven by consumption-driven sectors of the economy (finance and insurance, real estate, wholesale and retail, catering and accommodation), with the productive sectors of the economy (agriculture, mining, manufacturing, construction) playing a subordinate role. In order to achieve this, the IPAP focuses on exploiting a number of opportunities for South African manufacturing, including re-aligning the country’s value-added exports towards rapidly developing economies in sub-Saharan Africa, the country’s BRICS partners Brazil, Russia, India and China, and other emerging markets. At the same time, the IPAP emphasizes the importance of increased beneficiation of South Africa’s massive mineral wealth. “Much greater attention will have to be devoted to downstream beneficiation opportunities and the enormous potential that exists to deepen and extend the upstream value chain, with a sharp eye towards meeting the explosion of future demand associated with the sub-Saharan commodity boom,” the IPAP states. Another key enabler for local manufacturing is the government’s massive infrastructure build programme. “Manufacturing must increasingly provide machinery and other inputs for the infrastructure build programme, which is central to South Africa’s growth strategy and, more generally, into public goods, including transport, health, education and housing,” the IPAP states. South African manufacturing, the IPAP notes, bore the brunt of the recent global recession combined with a number of domestic shocks. “It is imperative that having weathered the storm, the domestic manufacturing sector is able to build upon its strengths, overcome its competitive weaknesses and seize new opportunities within an enabling and more strongly supportive Government policy environment.” SAinfo reporter and SAnews.gov.zalast_img read more

Drupal Founder Critical of SaaS and its Proprietary Nature

first_imgRelated Posts Cognitive Automation is the Immediate Future of… alex williams IT + Project Management: A Love Affair Open-source communities thrive in all sorts of places, even the enterprise space. The next step is to bring this same community drive into the cloud community. Our bet is it will happen sooner than we think. Massive Non-Desk Workforce is an Opportunity fo… Drupal’s founder is calling for open source in the enterprise and in the cloud. This should be no surprise, coming from someone like Dries Buytaert. But it is still interesting, considering the source and the point he makes about the actual lack of open source in cloud computing. Drupal is one of the most popular, open source content management systems. Buytaert created it initially as a messaging board. It went open-source in 2001. Dries, who is now the co-founder of Acquia, says the SaaS model need to be updated, modeled on open source values. He points out that SaaS companies for the most part are built on proprietary software.Dries:“….they might allow you to export your data, but they usually don’t allow you to export their underlying code. While a lot of these services might be built on Open Source components, they have a lot more in common with proprietary software vendors than Open Source projects or companies.”It’s in Dries view that this model can be disrupted by open source. For example, he says, the Drupal Gardens community improves the overall platform by contributing to it. The goal, as Dries says, is for people to export their Drupal Garden site in their entirety ” the code, the theme and data — and move the platform to any Drupal hosting environment.”His example points to a huge issue with cloud computing. It’s not easy to export data from cloud computing services. Third-party services offer methods for exporting the data but for the most part, cloud computing services are proprietary. No open standards exist for passing data.As Vint Cerf said in January to the Commonwealth Club: It’s like 1973 for moving data around in the cloud. IBM, Google and Amazon have no way to interoperate. There are no cloud standards.Open-source communities are faring well in the enterprise space. Matt Asay of the Open Road posted a story last week that illustrates the success of oepn-source enterprise efforts.In particular, he referred to some of the most successful companies: Alfresco Software, Sugar CRM, Jaspersoft and Zimbra. Here are the numbers he presented: Tags:#enterprise#news#saas#Trends 3 Areas of Your Business that Need Tech Nowlast_img read more

Local gas prices down slightly

first_img KUSI Newsroom April 10, 2018 Local gas prices down slightly Updated: 2:24 PM Posted: April 10, 2018center_img KUSI Newsroom, SAN DIEGO (KUSI) — The average price of a gallon of self-serve regular gasoline in San Diego County dropped one-tenth of a cent today for the second consecutive day after a stretch of 18 increases in 21 days pushed it to its highest amount since Aug. 26, 2015.The average price of $3.55 is 1.9 cents more than one week ago, 14.9 cents higher than one month ago and 53.5 cents greater than one year ago, according to figures from the AAA and Oil Price Information Service. The average price rose 11.8 cents during the run of increases that ended Monday. It has risen 42.8 cents since the start of the year. Categories: Local San Diego News Tags: Gas prices FacebookTwitterlast_img read more

Soy Growers Talk Farm Bill Crop Insurance and More with US Ag

first_imgASA Director Rob Shaffer (right) speaks with U.S. Department of Agriculture (USDA) Secretary Sonny Perdue during his stop in Illinois.Soy growers had the opportunity to discuss important issues with U.S. Department of Agriculture (USDA) Secretary Sonny Perdue this week.Both past and present American Soybean Association (ASA) members met with Perdue during his five state “Back to Our Roots” RV tour, which included stops in Wisconsin, Minnesota, Iowa, Illinois and Indiana.ASA Director Brad Kremer (right) talks to U.S. Ag Secretary Sonny Perdue (left) about about getting more young people and veterans involved in farming.During his first stop in Wisconsin, ASA Director Brad Kremer and former board member Kevin Hoyer participated in a round table discussion with the secretary, where they talked trade, the farm bill and the North American Free Trade Agreement (NAFTA).“I talked to him about how important the farm bill is to my generation of farmers and the generation coming up behind me,” Kremer said. “We don’t need to lose that generation of farmers.”Perdue asked Kremer to follow up with his office so they could discuss more ways to get young people and veterans interested farming. During their visit, Kremer also expressed concerns about potential tariffs from China.During his meeting with Perdue, Hoyer presented soy grower positions on rural development and infrastructure and market access and foreign trade support.ASA Director Rob Shaffer spoke with the Secretary during his stop in Illinois.“We talked about crop protection, regulations and the red-tape farmers have to cut through and how USDA can help improve these processes, while still keeping the environment and workers safe,” Shaffer said.Shaffer also expressed to Perdue the importance of the Market Access Program (MAP) and Foreign Market Development (FMD) funding, the farm bill and crop insurance as a safety net.The soybean farmers said their time with Perdue was productive and overall positive.“He’s a farmer and he understands ag,” Shaffer said of Perdue.Kremer agreed. “We’ve got a guy who’s a real farmer advocating in D.C.,” he said.Several other soy growers had the chance to speak with Perdue this past week. ASA Treasurer Bill Gordon and Director George Goblish met Perdue on his stop in Minnesota. ASA Director Kendell Culp saw him in Indiana and ASA Chairman Richard Wilkins spoke with him at the Delaware State Fair.Click here to see more photos of ASA directors meeting with Perdue.last_img read more