By Sharon DowdyUniversity of GeorgiaMatthew Adams made Georgia 4-H history last year when he won the organization’s statewide annual pumpkin contest with a record-setting 580.8-pound pumpkin. He didn’t break his record this year, but he still got first place.Adams, a 4-H’er from Carroll County, grew a 468-pound pumpkin to win the Georgia 4-H Pumpkin Growing Contest. Second place went to Hannah Brown of Henry County. She grew a 340-pound pumpkin. Terrell County 4-H’er Caroline Daniel won third place with her 323-pound pumpkin.Knowledge, pride and prizesFor the past two decades, the Georgia Fruit and Vegetable Growers Association has sponsored the contest. First place gets $100. Second and third receive $50 and $25 respectively. Each of the 38 4-H’ers who entered the contest received a contest t-shirt. To enter, a 4-H’er must grow the pumpkin and have it weighed by the local University of Georgia Cooperative Extension agent. Any variety of pumpkin may be used. But to bring in the big numbers, varieties like Atlantic Giant, Big Max, Big Moon, Prizewinner and Connecticut Field are recommended. All of this year’s winners grew the Atlantic Giant.“The 4-H’er needs at least 120 days to grow the pumpkin to full size,” said Lindsey Fodor, a Georgia 4-H program assistant and the contest’s coordinator. “We also recommend they refer to growing tips provided by UGA Extension horticulturist Terry Kelley.”The number of entries was down this year due to the state’s drought, she said.Watermelons, tooThe goal of the contest is to get Georgia students interested in agriculture and in growing their own crops, Fodor said.Due to the heat, it can be tough to grow pumpkins in south Georgia. To give 4-H’ers there a chance to grow competition-size fruit, the Georgia 4-H Watermelon Growing Contest was established three years ago.Information about the pumpkin and watermelon contests, including photos of the past winners, can be found on the Web at www.georgia4h.org/public/edops/nationalfair/pumpkincontest/.
We’re proud to announce that our June 2018 Issue is live! In this issue, we take you around some of the best urban adventure cities in the Southeast. You’ll get the latest on the Virginia Pipeline, hear from the horseback riders on trail etiquette, learn more about our rivers, and meet some interesting people!Keep an eye out for the mag hitting your local newsstands and check out the articles below.
Marketing to members isn’t a cut and dry process, especially in a world where consumers are more engaged and informed than ever before. Financial institutions, bound by strict regulations and the need to protect customer information, need customizable marketing and management tools to reach existing and potential customers. Marketing to members is more complex than orchestrating email blasts and catchy slogans, however, solutions do exist to simplify this process for credit unions.Customized marketing and management solutions help align sales and marketing efforts, leading to faster real-time information sharing, shared strategies and more effective campaigns. Because of these better aligned processes, CMM leads to stronger and longer relationships with members. Using CMM solutions, credit unions can gain valuable insight into member feedback, as well as analytics. This aids in the fine tuning of messages for future marketing campaigns. Aligning both sales and marketing also creates a consistent brand image across all member touch points.The goal of a customer and marketing management system is to provide organizations with a complete view of their customers at every stage in the marketing and sales cycle. These customer findings can then combine with business performance insights, using a business intelligence platform, to assist credit unions during their strategic planning process to more accurately identify trends, forecast growth and adapt their business plans accordingly. continue reading » 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
There are more analysts and pundits talking about the Google plan to offer “smart checking accounts” in partnership with financial institutions than there are facts about the deal.“The amount of attention this is getting is out of proportion to the details,” says industry blogger Ron Shevlin, Director of Research at Cornerstone Advisors.Yet after many warnings about the Big Tech threat to financial institutions and several concrete moves, notably the launch of Apple Card with Goldman Sachs, the banking industry is watching this development with intense interest. It could bring significant changes to the fabric of how the industry serves consumers.News of the tech giant’s partnership with Citibank and with Stanford Federal Credit Union came out in mid-November 2019 in a bare bones story in The Wall Street Journal. No official announcement came out of Google nor Citibank, though the credit union published a short written statement in the wake of the article. The two institutions are partnering with the search and tech giant to offer co-branded “smart” checking accounts through the Google Pay program starting in 2020. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »
One of the main activities of the “MITOMED +” project includes the observation and monitoring of tourism data indicators to measure the sustainability of tourism activities and their economic, social and environmental impacts on coastal destinations. Namely, this is a research conducted within the project “MITOMED +“Which is co-financed by the European Regional Development Fund. The focus of the project is on improving public policy for sustainable development, developing action plans and common planning tools and transferring practices between the Mediterranean regions and the European Union. The main purposes of their visit are rest, free time and recreation, and the primary characteristics for which they chose the destination are the beaches, clean sea, nature and landscape, peace and quiet and accessibility. The project is divided into two phases. The first relates to the testing of a set of indicators through a tool for statistical indicators that assesses sustainable forms of tourism and the implementation of the model “Green beach“In partner regions through two pilot activities. The testing phase includes fifteen destinations located in four countries and five different regions – Istria, Andalusia, Catalonia, Cyprus and Tuscany. The second phase involves the inclusion of results in regional policies and their dissemination to other Mediterranean countries and the European Union. The Institute for Tourism of the Institute of Agriculture and Tourism conducted a survey in Poreč, Novigrad and Labin and Rabac in 2018, which showed numerous habits, but also the opinions of tourists about these destinations. The research presented interesting results, and Brščić and Šugar singled out several interesting and important conclusions. Namely, most of the respondents are German, Italian, Austrian, Croatian, Slovenian and Czech tourists who have visited the destination before or learned about it from friends or relatives. Most of them visited the destination several times, and on average they spent about nine nights there. The daily consumption of most respondents is between 51 and 200 euros, depending on the destination. The research was conducted by Kristina Brščić and Tina Šugar from the Institute of Agriculture and Tourism. “The research was conducted to test certain indicators of sustainable tourism in these destinations”, Brščić emphasized and added:”The presentation of the research was presented to the project partners in February 2019. The same survey was conducted in 2017 on a larger sample.” The survey was conducted on the beaches in Poreč, Novigrad and Rabac from July to September 2018 on a sample of 917 respondents. Respondents are satisfied with the destinations, especially the cleanliness of the destination and the quality of accommodation. Also, most feel that destinations are investing enough in sustainability-oriented initiatives.
Linkedin Topics : Facebook Forgot Password ? shopping-mall APPBI Hippindo retail-sales retailer household-consumption COVID-19 wage-subsidy Google More than 100,000 workers in the retail industry face the risk of being furloughed as customers have been visiting rarely and spending little during the COVID-19 pandemic, associations have said.An internal survey by the Indonesian Shopping Center Tenants Association (Hippindo) revealed that retail sales from May to July were down about 80 percent from the pre-pandemic level. The association projected that lifestyle retailers would also post a 60 percent year-on-year (yoy) contraction in the third quarter.“Our current data [from 90 companies] show that around 100,000 employees may be furloughed,” Hippindo chairman Budihardjo Iduansjah told reporters during an online press conference on Monday.In addition to the furloughed employees, around 1.5 million workers could face other financial perils, such as pay cuts and shift reduction if the pandemic continues to suppr… Log in with your social account LOG INDon’t have an account? Register here
While he said the year-to-date return was more than the pension fund had previously expected to achieve, he was less positive about the future.“We do not expect these high returns to continue given the challenges that Europe, in particular, is facing with weak economic growth, an extreme monetary policy situation, where half of Europe’s government debt has negative interest rates, an under-capitalised financial sector, and the prospects of a hard Brexit,” Stendevad said.ATP divides its assets into a huge hedging portfolio designed to back the pension guarantees it gives and a smaller investment portfolio that consists of its free reserves or bonus potential. Returns achieved on ATP’s investment portfolio are not directly comparable with returns reported by most pension funds because of the leveraging effect the hedging portfolio assets can allow.In the first nine months, ATP said in its release of interim results that the investment portfolio’s strong return was driven mainly by private equity, which contributed DKK5.3bn (€712m) of the portfolio’s DKK12.5bn return in absolute terms.However, it said fixed income, credit, real estate and infrastructure had all made large positive contributions to the return.On the other hand, the DKK3.7bn loss on long-term hedging strategies against inflation increases had pulled the result down.ATP’s equity and debt investment in Nets, which held its initial public offering (IPO) in late September, contributed a profit of DKK1bn to third-quarter results, with DKK900m of that included in its private equity investment results and the rest categorised as credit.Overall, however, ATP has now generated a return of DKK2.5bn out its original DKK3.6bn investment in Nets first made just over two years ago.ATP reported it made an overall business loss in the first nine months of the year of DKK1.1bn, dipping into the red after the DKK9.9bn it set aside earlier this year to cater for an increase in life expectancy.Total assets grew to DKK805.7bn at the end of September from DKK705.2bn at the end of December 2015, with the hedging portfolio standing at DKK705.6bn and the bonus potential at DKK100.1bn. ATP, Denmark’s largest pension fund and the fourth biggest in Europe, made a 5.8% return on its return-seeking investment portfolio before tax and expenses in the third quarter, due in large part to a profit on its private equity investment in payments business Nets.This return for the quarter relative to the investment portfolio – which consists of ATP’s bonus potential and not its entire asset base – brought the year-to-date return to 12.3% at the end of September, from the 6.7% generated for the first six months of the year.This nine-month return is slightly higher than the 11.6% return produced in the same period last year.Carsten Stendevad, ATP’s chief executive, said: “We are delighted with how our investment portfolio has performed so far this year, with most asset classes performing strongly.”
File photo. Picture: istockAround this time of year I am often asked if it’s too late to list, with Christmas looming in just a handful of weeks, writes REIQ Townsville Zone chairman Wayne Nicholson.My answer is a resounding ‘No, it is not too late!’. Some property pundits like to believe that there are better times of the year to sell than others. In cooler climates agents often talk about running a spring campaign, for example, as they believe buyers go into hibernation during the winter. Given that we have winter on Tuesday in Townsville, in my opinion there really is no perfect time to list. The argument used to be that listing at the end of the year in readiness for the “silly season” which in Townsville is the transfer season of January, February and March was the clever thing to do. In reality we have not seen a silly season in Townsville for years and the traditional influx of buyers during the first three months of the year hasn’t really eventuated. We tend to see a smoother transfer trend these days where people move throughout the year. More from news01:21Buyer demand explodes in Townsville’s 2019 flood-affected suburbs12 Sep 202001:21‘Giant surge’ in new home sales lifts Townsville property market10 Sep 2020Call me old fashioned (and many do!) but I’m of the tried and tested opinion that as long as you meet the market when you list, it really doesn’t matter what time of year you put your property on the market in Townsville. Buyers are extremely astute when it comes to the market and the internet provides them with all the information they need. Whether you list in January, June or December as long as you listen to your REIQ agent when it comes to positioning your property price-wise, you should sell the home in 30 to 90 days. Personally, I would I would have five bob each way and get my home ready and listed just in case there is an influx of buyers in early 2019. You have everything to gain and nothing to lose. But I say again, if you list $20,000 to $50,000 above the market it doesn’t matter when you list because it just won’t sell. If your property is overpriced that simply helps sell the property down the street. An overpriced property will sit on the market and risk becoming stale.Talk to your agent and tell them that you want to be in the market and not just on the market. Listen to their advice and then go for it!
Statoil and its partners in UKCS licence P2170 have committed to pre-fund a 3D seismic survey over the licence area and certain offset acreage, to be conducted by Petroleum Geo-Services ASA (PGS).The survey over the licence P2170, which contains the Verbier oil discovery and the Cortina prospect, will be undertaken during Q2 2018 in the Moray Firth area, Jersey Oil and Gas, who holds 18% in the license, informed.Delivery of the final imaged data by PGS is currently expected in late Q1 2019.This pre-funding commitment has enabled Statoil , as operator of P2170, to have input into PGS’ survey design and the acquisition and processing parameters in order to ensure the delivery of a high quality dataset, specifically optimized to advance the interpretation of the Verbier discovery and assessment of other exploration opportunities within the P2170 licence area.The anticipated timing for delivery of the final imaged data from PGS will facilitate integration with the results from the Verbier appraisal well, scheduled for drilling this summer.
TVNZ 24 June 2012Child, Youth and Family has apologised to a Taranaki woman for placing her with a convicted rapist when she was 16. The woman, who is now 27, was under CYFS care while completing a youth court supervision order, but the organisation admits it did not vet the man they placed her with. She now lives with HIV and the knowledge that she has passed the virus on to one of her sons. “I thought that (vetting) was one of the first things they were meant to do and if they had it would’ve popped up with his history,” the woman, known as ‘Joanne’, told Marae Investigates . “There’s no way someone with that history should get care of a child, no way,”…However, in a statement to Marae Investigates the Deputy Chief Executive of Social Development David Shanks admits CYFS let Joanne down, and has apologised. “In 2001 it wasn’t mandatory for CYF staff to do criminal checks around family placement decisions made at youth justice family group conferences. This was a gap in CYF policy,” he said in a statement. “Staff at the time were still, however, expected to assess the caregiver’s suitability. In hindsight it appears we didn’t do a good enough job around this and we let (Joanne) down.” Shanks went on to explain the “gap” in policy has since been closed. “Early this year it became mandatory to do criminal checks for these placements. A range of other safety checks are now also required including home visits.”http://tvnz.co.nz/national-news/cyf-apologises-placing-teen-rapist-4943382