CU 2.0 Fintech Friday: CU Student Choice

first_imgIt’s CU 2.0 Fintech Friday! Today, Chris Otey sits down with CU Student Choice to discuss all things credit union, fintech, and digital innovation.CU Student Choice works with credit unions to provide prospective university students with student loans. Their goal is to simplify the college loan process for students. This simplification, they hope, will help students find good-value educational loans to finance their education. They also make it so that the borrower doesn’t have to reapply for loans each year.For all of us who have taken out federal student loans at some point—that setup sounds like a breath of fresh air. Nobody likes filling out FAFSA forms year after year.It sounds even better for those of us who took out private student loans. The interest rates on those often exceed any reasonable boundaries. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

‘We are up to plan D or E’: Australian rescuers still have no luck catching crocodile

first_imgWright said the large movement area for the crocodile had been one of their major obstacles. The Palu River is 90 kilometers long and flows through the city of Palu, with almost half of the basin area covered by tropical montane forest.“Enthusiastic locals watching on the side of the river also often hindered rescue efforts,” Wright said, adding that the team was now discussing its next hunting strategies.Wright said he had been following stories of the trapped crocodile for the past 18 months and had been trying his best to speak with Indonesian officials and get over to Palu to help relieve the crocodile.The rescue efforts have been going since Tuesday when Wright joined the rescue team to prepare two traps and some floating drums. One of two traps made was then set in the Palu River with the bait of a live duck inside.Read also: Australian presenter Matt Wright to help Palu crocodile stuck in tire for yearsOn Wednesday, the 4-meter-long trapped crocodile was nowhere to be seen, leaving only a medium-sized crocodile swimming freely around the trap. The bait somehow failed to lure the crocodile.The rescue team then planned to up its strategy with the help of the police. On Thursday, the team members were back at the river, jumped on a boat and tried their luck, only to return empty-handed once again.“We spent all night playing cat and mouse with the big fella in the river. Unfortunately, I think we were more the mouse. The crocodile is very cunning and cautious and it does not like the boat approaching him,” Willow wrote on an Instagram post on Friday.“I think we are up to plan D or E now but today is another day.”Although he has failed several times now, Wright said he was glad to be able to share his knowledge with Indonesian rescuers on how to catch and release a large saltwater crocodile in a skilled and most importantly, humane way.During one rescue attempt, Wright was asked by the rescue team to catch a smaller crocodile from the river as training. He took the opportunity to catch a small crocodile to show the locals what to do when dealing with a wild crocodile.“Environmental conditions in the water out here are very tough, coupled with the fact that this crocodile isn’t hungry because of the large food sources in the river. So, we need to make sure we are as prepared as we can be for this challenge,” Wright said.As of Friday, Wright has two days left of his work permit. (syk)Topics : Wright then used a living duck as bait with a drone, which was later lost. “Started well, finished bad, no more drone,” Wright said in an Instagram story on Friday. “Willow and I are here just waiting for the crocodile. We just lost the drone, which was a little bit of bomber.”Before being offered to the crocodile, the duck bait was hung on the drone, tied with a rope. The plan was for the crocodile to take the bait and pull the drone along as the device transmitted a feed of the animal’s movement and location.But instead of approaching the bait, the crocodile – which had been resting on the sand dune – swam away before disappearing without a trace. Australian presenter Matthew Nicolas Wright and fellow crocodile expert Chris “Willow” Wilson made another attempt at rescuing a crocodile trapped in a motorcycle tire in the Palu River, Central Sulawesi, on Friday.This time, they focused on what used to be called the Yellow Bridge. With the help of a rescue team from the Central Sulawesi Natural Resources Conservation Agency (BKSDA Central Sulawesi), the two Australians were able to track the animal twice as it appeared on a sand dune at the river mouth.Read also: Choked Palu crocodile not yet lured into rescuers’ traplast_img read more

2 Dead: Car found in canal in Loxahatchee Groves

first_imgLOXAHATCHEE, Fla. — Authorities are investigating the deaths of two people after a car was found in a canal near A Road in Loxahatchee Groves.Palm Beach County Fire Rescue says a passerby spotted the car just past 6 a.m. on Friday. Authorities say two people were in the car already deceased and divers were sent to get them out.last_img

VP Mike Pence Visits Miami as UM tests COVID Vaccine

first_img“The COVID-19 pandemic is having a tremendous impact in South Florida and across the world,” said Dr. Susanne Doblecki-Lewis, an infectious disease expert at the University of Miami who will lead the initiative. “We are testing vaccines with the goal of finding a safe and effective way to halt the spread of the virus.” The clinical trials will test a vaccine developed by National Institutes of Health scientists and their collaborators at the biotechnology company ModernaTX Inc.Prospective volunteers for the study will need to be at least 18 years old. A news release said the school plans to use community outreach and mobile operations to recruit from a wide variety of demographics. To register to volunteer, you can sign up by clicking here“We are committed to engaging people who represent the range of residents impacted by COVID-19 in South Florida by gender, age, race, and ethnicity, as well as those who are particularly at-risk because of medical conditions,” said Doblecki-Lewis. “This is how we will help ensure that any vaccine that is developed will be relevant for those who could benefit most from it.”Participants are paid for their time and inconvenience during what is scheduled to be a three-month study. Vice President Mike Pence visits the University of Miami today to discuss a possible coronavirus breakthrough.Mike Pence will visit the University of Miami, where clinical trials are getting under way on a vaccine.About a thousand people will be part of a clinical trial involving a vaccine developed by Moderna. The university’s Miller School of Medicine is taking part in the “Phase 3” trial of the vaccine.Pence will take part in a roundtable discussion with school leaders and members of the Miller School of Medicine along with researchers on what could help in the ongoing battle: https://t.co/hpMa8fMdDq— NBC 6 South Florida (@nbc6) July 27, 2020last_img read more

Second round play washed out in English championship

first_img11 May 2016 Second round play washed out in English championship The second round of the English senior women’s championship at Ross-on-Wye Golf Club was washed out today by torrential rain.Play was abandoned when greens and fairways flooded on the course, which was already soaked from yesterday’s heavy rain.Qualifying for the matchplay stage of the championship has been decided on the first round scores, with the leading 16 players going forward. A tie for 16th place was decided on card countback.The qualifiers, who include defending champion Helen Lowe, are: Katherine Russell (Royal Ashdown Forest), Jackie Foster (Bishops Stortford), Karen Jobling (Richmond, Yorks), Cath Rawthore (Sale), Helen Lowe (Scraptoft), Helen Braddock (Bolton Old Links), Sue Dye (Delamere Forest), Debbie Warren (Kings Norton), Jo  Shorrocks (Bigbury), Caroline Berry (Bromborough), Aileen Greenfield (Pyecombe), Angela Jones (Chart Hills), Felicity Christine (Woking), Carol Houghton (The Nottinghamshire), Jenny Deeley (La Moye, Jersey), Julie Wheeldon (Wakefield).The matchplay will take place over the next two days with the final played on Friday afternoon. Spectators are welcome.Players placed 17th to 64th qualify for the second flight stroke play competition which will also be played tomorrow and on Friday.England Golf Tournament Director Scott Allison said: “Everyone is very disappointed that the weather made it impossible to play the second qualifying round.“We are very grateful to the green staff for their fantastic work, which meant we could play the first round, but in the end the heavy rain beat us. The forecast for the next couple of days is much better and we look forward to good golf in kinder conditions.”First round matchplay draw, play starts at 8am tomorrow: Russell v Wheeldon; Warren v Shorrocks; Rawthore v Christine; Lowe v Jones; Foster v Deeley; Dye v Berry; Jobling v Houghton; Braddock v Greenfield.Click here for full scores and tournament information.Image © Leaderboard Photographylast_img read more

Stay healthy during Thurston County fair time!

first_imgChriste Smith is the owner of Rock Bottom Personal Training. Rock Bottom serves all of Thurston County and offers customized fitness services in homes, workplaces, local parks and other locations to cater to the client. Rock Bottom has many Professional Certified trainers to help you with all your health needs About Rock Bottom Personal Training: So stay active at your cook outs and Thurston county fairs, all the while eat clean/healthy! most of all have a great happy and healthy Thurston county  summer! Facebook2Tweet0Pin0By Christe Smith I don’t know about you but I love the summer time here in Thurston County. So many  summer cook outs with friends & family, plus all the fairs that Thurston county has to offer and not to mention all the AMAZING food! I know for myself this is one of the hardest times of the year to stay on a clean/healthy eating lifestyle. The other thing that I love about cook outs  and Thurston county fairs, are all the fun physical activities. For example, this past 4th of July, I had the pleasure to be invited to our friends, that live on Thurston counties Long Lake. Since they live on Long Lake, I got to paddle boat out to middle of the lake to watch the fireworks. Before that we danced to great music and we even jumped on the trampoline like kids! So with Thurston counties Lake Fair approaching think of how you can be active….like go into the bounce house with your kids or ride your bike to the fair. Just remember that children learn by our examples…so take advantage of all the physical activities that Thurston county Lake Fair has to offer! So while you are chatting & laughing away at all these Thurston county events this summer, remember the 80 /20 rule. The rule is that, 80% of the time you eat and drink super clean/healthy plus exercise (with your favorite  Rock Bottom trainer :)) so that when the fair or cook out rolls around, you can step out of the clean/healthy eat box a little…and I do mean a LITTLE!  Please remember that when you do step out of the box,  it can be very…very hard to step back in. What I like to do is always bring a side dish that I know is clean to the cook out.  That way I can always eat clean/healthy at the event and not feel like I am missing out or be as tempted to reach for one of those same old cookout menu items that everyone brings. I also bring my own protein ( turkey burger, chicken dog, fish) to grill, because we all know what is in that commercially processed hamburger and hot dog..YUCK!!!!  While preparing for that day or evening at the  fair,  pack clean/healthy snacks and stay way from all the fried foods. Better yet look for grilled items that the vendors offer.last_img read more

Come Let Us Rebuild Christ Church

first_imgThe Priest-in-Charge of Christ Episcopal Church, the Rev. Fr. Harris W. Woart, has challenged Episcopalians from Crozierville to return and rebuild the church in the same way the Prophet Nehemiah, in exile following the Babylonian captivity, returned home to rebuild Jerusalem.Preaching on the occasion of homecoming of Christ Church members yesterday, Fr. Woart told the parishioners that they are to rebuild their church socially, spiritually and physically. “We must rebuild this very edifice we currently occupy by repairing the roof and ceiling and finding locks for the windows and doors.” The church has fallen into serious disrepair over the years with major leaks and a generally crumbling, decaying structure. On the challenge of rebuilding Christ Church, there is a far bigger challenge. The current edifice will soon be torn down by a new road construction project passing through Crozierville. Episcopal Bishop Jonathan B.B. Hart, a born member of Christ Church, and other parishioners have identified a 25-acre plot of land immediately behind the current edifice where the new church is to be built. An architect has already been recruited to design the new church, and its members at home and in the Diaspora must now begin raising the funds to build the new edifice before it is demolished by the approaching road construction project through the settlement.Christ Episcopal Church was first built in 1865 immediately after immigrants from Barbados in the West Indies came and were given a parcel of uninhabited land just next to White Plains in Montserrado County. The first church, named after that which the immigrants attended in Bridgetown, Barbados, before they migrated to Liberia, was spearheaded by John Porte, patriarch of the Porte family and grandfather of Albert Porte, Mrs. Lilian Best, Christian Porte and Mrs. Sarah Stewart. John Porte’s son, the Rev. Conrad C. Porte, father of Albert and his siblings, became rector of Christ Church in the early 1900s and served until his death in January 1926.But before expounding further on rebuilding Christ Church, Fr. Woart explained the meaning of the Gospel lesson of the day. It was about a Roman officer, a centurion, who had a sick servant and appealed to Jesus to heal him. As Jesus approached the centurion’s home, he sent word to the Master saying, “Don’t bother to come under my roof, for I am not worthy to receive you. Just say the word and my servant will be healed.” Christ was impressed by the centurion’s faith and the servant was immediately healed.“There are a few things we must learn from this passage,” said Father Woart. “First, know yourself. The centurion was a soldier who was not perfect. His home might have been the place where many corrupt activities occurred.Second, admit your wrongs, your weaknesses. The centurion admitted that he was unworthy to receive Jesus into his home.And third, have faith. The centurion had faith that Jesus had the power to heal the servant and he expressed his faith. Jesus appreciated the man’s faith as well as his humility by saying he was ‘unworthy’ to receive Christ in his home. ‘I have not seen so much faith in Israel,’ the Master said, as he pronounced the sick servant’s instant healing.” “Spiritually,” Fr. Woart said in yesterday’s sermon, “we must encourage and make conditions in Christ Church suitable to conduct regular Bible study, prayer meetings and Confirmation classes.”“Socially,” he continued, “we must build our walls by making ourselves responsible for church work, church activities. We must participate in all church activities and not make flimsy excuses for our absence.”“We must rebuild according to the standards laid by Albert Porte, Napoleon and Mary Thorpe and others who took the initiative to make positive things happen at Christ Church.”Taking his text from Nehemiah 2:17, Fr. Woart said Nehemiah called on the children of Israel to rebuild the walls of Jerusalem. He had a vision that he shared with his kinsmen and with the King of Persia. Nehemiah was a cupbearer in the king’s palace, therefore had enough food to eat and wine to drink, but he was unhappy because he heard that the walls of Jerusalem, the land of his ancestors, and its gates had been destroyed.Fr. Woart urged members of Christ Church wherever they are to inquire, as did Nehemiah of Jerusalem, about what is happening to Christ Church, to commit themselves to rebuild it and restore its pristine glory. In the distant past, the preacher recalled Christ Church, though small and part of a tiny settlement, was a respected parish that Episcopalians and many others talked about all over the country. “Come let us rebuild Christ Church in its totality—physically, spiritually, socially, educationally and agriculturally,” he pleaded, and concluded: “I know that when we come together with one focus, one mindset and one common goal, Christ Church will be rebuilt. We can do it!”Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)last_img read more

Newsletter

first_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_img

Around the horn: 3 early-season thoughts on the Oakland A’s

first_imgThe A’s might not be in first place in the American League West heading into their two-game home series with the Houston Astros, but make no mistake, 10 percent of the way through the 2019 season, this team likes where it is.You can’t win a division in April, but you can lose it. So while things have hardly been perfect, this team being one game over .500 in the midst of their difficult season-opening stretch (which included a trip to Japan, an injury to Matt Olson, and questionable starting …last_img

A corn market rally is hard to justify

first_imgShare Facebook Twitter Google + LinkedIn Pinterest By Jon Scheve, Superior Feed Ingredients, LLCThere are so many negative factors affecting the corn market right now, it’s difficult justifying any market rally. Weather is always a wild card for the market in either direction especially this early in the season. The funds have a record short position right now, but farmers are really long, so a rally isn’t guaranteed. While no two market years are ever the same, I find it’s helpful to review historical trends to gain perspective or insight.From this point forward in the year the market has eventually seen a nice rally over the last 4 years:2018 — December corn posted a low on 4/20, then rallied 27 cents until 5/242017 — December corn posted a low on 4/21, then rallied 38 cents until 7/112016 — December corn posted a low on 4/25, then rallied 70 cents until 6/172015 — December corn went 20 cents lower from 4/20 until 6/15, then increased 70 cents by 7/11Finishing up my final 2017 Cash SalesLast August I still had 35% of my 2017 crop, stored at home but hedged with sales against the September futures. Instead of setting basis at -.43 picked up on the farm last summer, I continued to store my grain at home and collected market carry, hoping for better basis in the spring. To capture the carry, I “rolled” the futures I had sold against the September to December futures and captured 15 cents of market carry. Then in late November I rolled those sales forward again to July ‘19 futures, picking up another 27 cents of market carry profit.Last week I discussed how I made a basis sale at -.28 against the May. Instead of applying that sale to the ’18 crop I’m actually going to apply it to what I had left of the ’17 crop.With the basis sale being against the May futures, I need to account for rolling the spread from July back to May, which was at a 9-cent spread. Because the market is in a carry, it means the 9-cent spread between the July where my futures were hedged and May futures in which the basis was set against will show up as a loss in my hedge account. Was it more profitable to sell my grain this spring compared to last summer?Basis Profit: -43 cents vs. -28 cents = +15 centsMarket Carry: 15 cents + 27 cents = +42 centsMarket Carry Loss: = -9 centsTotal Profit = +48 centsBut there are additional costs to hold the grain that long. CapacityI have to have more than 100% bin space capacity at home to do this. Currently I can get a 7-year bin loan that costs 25 cents per bushel per year on the type of bins I have recently built. Handling, shrink and fumigationStoring and handling the corn for more than one year requires that I run the fans on the bin in the late summer and fall to keep the corn in condition. My shrink factor is minor because I can blend overly dry corn from one bin with slightly wetter corn in another. If I couldn’t blend, I would have to add the cost for shrink loss on the dry corn and/or the discounts of loading out wet corn. Insects could be an issue affecting grain quality too, and there could be fumigation costs that need to be considered. InterestThe interest cost to not pay down my operating note from the sale of grain on September 1st last year also needs to be considered.My corn’s cash value last September was: $3.20Current operating interest rates: 6%Cost per bushel per month to not pay down the operating note: 1.6 centsTime spent holding grain in bin (September to Mid – April): 7.5 monthsTotal interest cost to wait: 12 centsConclusion: Storing grain more than 1 year was MORE profitableNet Profit from Trade: +48 centsBin Ownership Costs: -25 centsHandling Costs: -4 centsInterest Cost: -12 centsProfit: 6 centsThis was my second year of having extra bin space to make this type of trade. It was also the second year in a row that I have made money holding some of my grain from one marketing year to another. While the bin cost is reducing my profits this year it allows for me to build equity on the ownership of more than 100% bin capacity on my farm. Once those bins are paid off that cost becomes a huge profit potential for me over the life of that bin.The market usually pays for corn to be stored forward in time, so owning a grain bin is the best return on investment on my farm. And while storing grain longer than 1 year can increase corn quality risk, a little bit of management goes a long way to reduce potential issues. For me the increased profitability and flexibility on-farm storage provides outweighs its disadvantages. Please email [email protected] with any questions or to learn more. Jon grew up raising corn and soybeans on a farm near Beatrice, NE. Upon graduation from The University of Nebraska in Lincoln, he became a grain merchandiser and has been trading corn, soybeans and other grains for the last 18 years, building relationships with end-users in the process. After successfully marketing his father’s grain and getting his MBA, 10 years ago he started helping farmer clients market their grain based upon his principals of farmer education, reducing risk, understanding storage potential and using basis strategy to maximize individual farm operation profits. A big believer in farmer education of futures trading, Jon writes a weekly commentary to farmers interested in learning more and growing their farm operations.Trading of futures, options, swaps and other derivatives is risky and is not suitable for all persons. All of these investment products are leveraged, and you can lose more than your initial deposit. Each investment product is offered only to and from jurisdictions where solicitation and sale are lawful, and in accordance with applicable laws and regulations in such jurisdiction. The information provided here should not be relied upon as a substitute for independent research before making your investment decisions. Superior Feed Ingredients, LLC is merely providing this information for your general information and the information does not take into account any particular individual’s investment objectives, financial situation, or needs. All investors should obtain advice based on their unique situation before making any investment decision. The contents of this communication and any attachments are for informational purposes only and under no circumstances should they be construed as an offer to buy or sell, or a solicitation to buy or sell any future, option, swap or other derivative. The sources for the information and any opinions in this communication are believed to be reliable, but Superior Feed Ingredients, LLC does not warrant or guarantee the accuracy of such information or opinions. Superior Feed Ingredients, LLC and its principals and employees may take positions different from any positions described in this communication. Past results are not necessarily indicative of future results.last_img read more