17 Jan

Spring lawns

first_imgResults are usually received within five to seven working days. Soil samples should be taken from representative areas of lawns or gardens using a small trowel or a soil-coring tool. Several samples from large areas can be pooled together in a plastic bucket. These samples must provide a total volume of at least 2 cups of soil that can then be air-dried by spreading it out on newspaper and allowing it to dry for about 24 to 48 hours. Results from the soil test report include pH levels and concentrations of several key nutrients: phosphorous, potassium, calcium and magnesium. Also included are suggestions on adjustment of pH to the recommended range and the addition of fertilizers to provide adequate quantities of nutrients. Nitrogen concentration, however, is not reported and recommendations are made assuming nitrogen will be needed. Range of pH on lawn depends on grass typeWhen a soil test is submitted for lawn grasses, recommendations about the amount of lime and fertilizers will be provided. If no soil test is available, general recommendations based on average conditions can be followed. Generally recommended pH ranges for lawns depend on the type of grass. For centipedegrass the pH range is 5.0 to 6.0. For St. Augustinegrass, bermudagrass and tall fescue lawns, the pH range is 5.5 to 6.5. For zoysiagrass the pH range is 6.0 to 7.0. Nitrogen is required for leaf and root production to maintain a green and healthy turf. Again, recommendations depend on the type of grass. Centipedegrass requires 1 to 2 pounds of nitrogen per 1000 sq. ft. annually while zoysiagrass needs 2 to 3 pounds. Bermudagrass, St. Augustinegrass and tall fescue lawns require 2 to 4 pounds of nitrogen per 1000 sq. ft. each year. Timing is based on turf type, tooThe timing and frequency of application is also based on the type of grass. Because tall fescue is a cool-season species, it should be fertilized in the fall and late winter, not in the late spring and summer. Warm-season grasses require fertilizer only during the growing season when root growth is occurring. Warm-season grasses like bermudagrass, St. Augustinegrass, zoysiagrass and centipedegrass should be fertilized when soil temperatures at 4 inches below the surface are at or above 65 degrees Fahrenheit. (Soil temperatures in your area can be checked online at www.georgiaweather.net.)Plants can only take up two forms of nitrogen: inorganic nitrate or ammonium. All other forms of nitrogen must be broken down to ammonium or nitrate to be available to plant roots. Nitrate is soluble in water and is poorly held by soils. If nitrate-containing fertilizers are applied before soil temperatures reach 65 degrees, root activity is limited, and there is an increased opportunity for loss of nitrate from the root zone. Nitrates washing through the root zone will eventually enrich the surface and ground water resources of the region, contributing to non-point source pollution. Nitrates leaching through the root zone can eventually find their way into ground and surface water reserves. This results in non-point source water pollution.Apply when grass is actively growingThe general rule is to apply fertilizer to grasses when they are actively growing and can effectively absorb and retain the nitrogen without contributing to water pollution. With that in mind it is reasonable to apply several small doses of fertilizer rather than the total amount at one time. That translates into four applications of 1 pound of nitrogen per 1000 sq. ft. for bermudagrasses rather than one application of 4 pounds per 1000 sq. ft. Following these guidelines from UGA Extension will encourage healthy vigorous grasses while protecting natural resources. For more information, contact your local Extension office at 1-800-ASK-UGA1 or go to www.GeorgiaTurf.com. In early spring as dormant, warm-season lawns begin to turn green, University of Georgia Extension agents receive many of calls about managing lawns. Most questions are about fertilization, including what type of fertilizer, how much to use and how frequently should it be applied. The best answers to fertilizer questions can be given when the concentrations of nutrients, particularly phosphorous and potassium, present in the soil are known. This information can be found through a soil test. Take soil sample to your Extension officeThe UGA Soil Analysis Laboratory in Athens is recognized as one of the best in the state. Soil tests are done on samples of air-dried soils. Samples can be brought into local Extension offices and sent to the lab for a fee of $8.last_img read more

1 Jan

Charlotte Ferry closed due to high water

first_imgLake Champlain Transportation Co,Charlotte Vermont to Essex New York Ferry Crossing is closed due to record high water. The Grand Isle, Vermont to Cumberland Head, New York Crossing is running as scheduled 24-7. The temporary ferry crossing at Chimney Point, Vermont, to Crown Point, New York, is running as scheduled 24-7.All Lake Champlain Ferry Customers are encouraged to sign up for our text and e-mail notification system at www.ferries.com(link is external).last_img

18 Dec

What makes your credit union’s mobile banking different?

first_imgTodd Swoope is a marketing professional and content creator living in Austin, Texas, who hails from the mountains of Pennsylvania. With Master’s degrees in Communication and Public Relations, Todd … Web: https://www.buzzpoints.com Details 24SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Todd Swoope Less than 30% of Americans say they visited a financial institution branch in the past six months3Of course, these trends are increasing year after year as smartphone prevalence becomes the norm.A 2015 study by the Federal Reserve found that 87% of American adults have a cellular phone, and of that amount, 71% are smartphones1. And according to ComScore.com, between December 2010 and December 2014 mobile device usage to view media increased by 394%4. Those are both substantial numbers and statistics that show the prevalence that mobile devices have.So to sum up these statistics: While currently not everyone is using mobile banking today, it is the fastest growing banking channel and it shows no sign of slowing down.However, simply implementing mobile banking for the sake of having it is the wrong approach, as you’ll eventually be outclassed by others if you’re just doing the bare minimum. Let’s look at how you can separate yourself from the increasing competition.Your Mobile Banking Needs to Do MoreConsumers use smartphones differently than desktop computers. So simply putting online banking in a mobile platform isn’t anticipating consumer behaviors and desires. Which is why financial institutions (and non-bank competitors encroaching on payments revenue) are increasingly upping the ante with features to create rich mobile experiences.Transaction history, ATM finders, and making payments are the aforementioned bare minimum.So what makes your mobile banking different?Budgeting tools and spending trackers are great starting points catching traction. As is a person-to-person payment system. Functions like these, and helpful push notifications, can help your app stand out from others.Making your app the one-stop-shop for all of the members’ needs is a great way to keep them from opening up financial apps that aren’t yours. Mobile banking integration with cardholders’ daily lives can be a game-changer.One App to Rule Them AllTo see how an app can change the way members view you, take this story for example:Fort Community CU wanted to innovate their business. They didn’t want to be one of those institutions that felt limited to merely the brick and mortar model, so they changed that. Fort Community tapped Malauzai Software to develop a mobile banking app that would soar beyond the basics. A primary component was the seamless integration with FCCU’s Buzz Points rewards program. This release drew great reviews from their members and helped secure them Credit Union Journal’s 2015 Best Practices Award.The beauty of the Buzz Points rewards program is in the simplicity of how it works in conjunction with the mobile banking app. The software implementation kept the cardholder in mind, making it so they don’t have to log into the rewards program separately; it’s all done from the mobile banking app.Without logging back in or out of separate apps, FCCU’s cardholders can check their accounts and their rewards, make purchases while redeeming rewards, and even find better rewards based on their physical location. Push notifications can even alert cardholders to a special offer or reward nearby that they didn’t even know about.If these “non-banking” features seem beyond the realm of what credit unions typically provide…that’s the point! And with 54% of consumers wanting their financial institution to proactively locate discounts on purchases for them5, it’s fast becoming a necessity.The integration of the Buzz Points rewards program is an example of the spark you need to put your mobile banking platform ahead of the competition. The program encourages members to “bank local, buy local” and has a proven track record of increasing debit card usage by 65% when compared to the national average.Mobile banking is fast growing and here to stay, so your next goal is finding a new way to position your mobile platforms for greater success.The times they certainly have changed. 1 Federal Reserve, “Consumers and Mobile Financial Services 2015,” March 20152 Peak Performance Consulting, “Retail Banking at Inflection Point,” 20153 Bankrate, “Financial Security Index,” 20154 comScore, “Media Metrix Multi-Platform & Mobile Matrix,” 20145 Accenture, “2015 North America Consumer Digital Banking Survey,” 2015center_img To quote the legendary Bob Dylan, “The times they are a-changin’.”That sentiment is even more true today than ever before, especially in the financial industry. Gone are the days when customers visited their local branch every Friday to cash a check. And remember when financial institutions were the sole issuer in the payments game? Well, it was a good run.Mobile: The Landscape of Tomorrow TodayToday online and mobile are increasingly important, and mobile is the fastest growing banking channel. But you didn’t need us to tell you that. Let’s look at some numbers:39% of Americans with a smartphone and financial account use mobile banking, an 18% increase in one year1 Meanwhile, branch activity is declining 4-5% per year on average, and between 8-10% at many institutions2last_img read more

20 Oct

Helical Bar to offer £30m cashback

first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

6 Oct

Calling all hardworking mums. This home is for you

first_imgCrown Courts was designed for hardworking mums. Picture: Shae Beplate.“Mothers do so much for the family and definitely deserve a home that offers a space just for them,” he said. “Crown Court definitely ticks all the boxes as it was designed with parents and privacy in mind.“The master bedroom on the upper level is huge and you can see the spa from the bed. It’s a real parent retreat, one of the best I’ve seen.”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 2020But the opportunities for privacy don’t stop here. Fancy a drink with friends around the pool? Picture: Shae Beplate.“Downstairs has a really great work space that could easily be turned into a workshop or craft room for Mum,” Mr Dank said.“The home also has a number of great entertaining areas where Mum can entertain her girlfriends or just sit back and relax by the pool with a good book.“The main aspect here is that the house has lots of areas for Mum to retreat to and get that much-needed alone personal time they so often need and deserve.”1 Crown Court, Kirwan, will be auctioned June 20 at The Ville Casino. MOTHER’S Day may be over but that shouldn’t stop you from considering the most important woman in your life when making your next home purchase.From the enormous parent retreat, a games and media room, an office space on the lower level that would make the perfect space for a craft room or workshop, to the multiple entertainer’s deck and reading nooks, 1 Crown Court in Kirwan was designed with mums in mind.Explore Property sales agent Dean Dank, who will launch the property to the market today, said mothers were seldom considered when buying a house, yet it was they who deserved a space of their own.last_img read more

6 Oct

Rugby star Quade Cooper and girlfriend Laura Dundovic are renovating their Brisbane home

first_img Session ID: 2020-09-28:700be49b64768cea903260b4 Player Element ID: vjs_video_606 OK Close Modal DialogBeginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenClose Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.00:00 Related videos The two-storey riverfront home near popular Oxford Street is undergoing the star treatment courtesy of the brothers from Graya Construction.Quade Cooper is renovating his Bulimba home.More from newsMould, age, not enough to stop 17 bidders fighting for this home4 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor4 hours agoThe current house is already huge and was only built ten years ago, but the Queensland Reds’ player wants a new and improved version.The four-bedroom, three-bathroom property has a 20 metre glass-framed swimming pool, an observation deck, enough parking for five vehicles and a 12m marina berth.Quade Cooper at Reds training at Suncorp Stadium. Picture: Annette DewThe renovations include a full revamp to the front facade, an upgrade to the observation deck, a makeover for all the bathrooms and bedrooms and an overhaul of the pool and landscaping features.Quade Cooper is renovating his Bulimba home.Property records show Cooper paid $1.845 million for the home in 2015. Quade Cooper and Laura Dundovic are renovating their Bulimba house. Picture: Gregg PorteousAS if it doesn’t look schmick enough, Australian rugby star Quade Cooper and his model girlfriend Laura Dundovic are forking out more money to give their luxury Bulimba pad a complete makeover.Sports and property head on…Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality LevelsAudio TrackFullscreenThis is a modal window. An unanticipated problem was encountered, check back soon and try again Error Code: MEDIA_ERR_UNKNOWNlast_img read more

29 Sep

UK could face €10bn bill for ‘underfunded’ EU staff pension scheme

first_imgThe UK could face a bill of between €7.7bn and €10bn for its share of the EU officials’ pension and benefits funds, according to a comprehensive study of European finances.However, EU officials may have been underfunding the pension scheme due to discrepancies between discount rates used to calculate liabilities and staff contributions, the study by Brussels-based think tank Bruegel said.The figures are likely to be a major sticking point of the UK’s negotiations to exit the European Union.Authors Zsolt Darvas, Konstantinos Efstathiou, and Inês Goncalves Raposo made the pension estimates as part of a broader study of the UK’s likely financial obligations towards the EU. The UK’s estimated contributions relate to unfunded defined benefit plans for EU staff and a Joint Sickness Insurance Scheme, with combined liabilities of €63.8bn at the end of 2015.Staff are expected to contribute one-third of annual pensions costs, with member states paying the balance. Based on this, the study’s authors estimated the UK’s bill for future pension payments at between €7.7bn and €10bn, depending upon whether the calculations take into account rebates from the EU to the UK.However, the authors noted that the liability figures were “rather uncertain” – largely due to the discount rate issue. The 2015 liability figure was based on a 0.6% discount rate, an average of one-year interest rates across the euro-zone.At the same time, staff contributions were measured using a discount rate based on a much longer-term average. This went from a 12-year historical moving average until 2012, when it moved to an 18-year average. This is set to increase gradually to a 30-year average by 2021, two years after the UK’s exit talks are expected to have concluded.“Since nominal and real interest rates have fallen in many advanced countries in the past 30 to 40 years,” the authors wrote, “there was a big decline in the balance sheet discount rate after the euro crisis abated after 2012. This decline pushed up the present value of pension/sickness insurance liabilities. In contrast, since the length of the historical moving average used for the staff contribution calculations has gradually increased in recent years, that discount rate has in fact increased, contrasting with the global decline in interest rates.”The authors argued the use of a long-term moving average was “unjustified”, as it had resulted in staff collectively contributing less towards annual pension costs than the one-third they are supposed to.“This implies that EU staff have been underfinancing their pensions relative in the past years and will continue to underfinance for more than a decade to come, compared to the theoretical requirement,” the authors said.If liabilities were calculated using a risk-free rate, as is common practice in the UK, then the figures could increase “substantially”, the authors added.UK prime minister Theresa May officially served notice of the country’s intention to leave the EU yesterday.EU leaders have made clear that the UK will have to pay its fair share of bills and obligations before it leaves. Newspaper reports have referred regularly to a rough estimate of €50bn in total, but the Bruegel study said the total bill could be more than double this figure.“Depending on the scenario, the long-run net Brexit bill could range from €25.4bn to €65.1bn,” the authors said. “Upfront UK payments could reach €109bn, followed by significant subsequent EU reimbursements.”Bruegel’s board is chaired by former European Central Bank president Jean-Claude Trichet, and includes academics, investment professionals, and current and former government ministers from across Europe.last_img read more

28 Sep

Spotted: Capesize Newbuild Joins Berge Bulk

first_imgImage Courtesy: Berge BulkSingapore-based dry bulk vessel owner and operator Berge Bulk has taken delivery of Berge Toubkal, a 210,000 dwt Capesize ship. Constructed at China’s Bohai Shipbuilding Heavy Industry shipyard, the 222,000 cbm vessel was delivered on September 29, 2017.Berge Bulk has joined its sister vessels, Berge Zugspitze and Berge Grossglockner, which were handed over to the company in March 2016 and January 2017, respectively.The newbuilding is equipped with a super-long stroke main engine, optimized for low-fuel consumption. Other features include installed exhaust gas boilers for the generators and an upgraded anti-fouling system, according to the company.Flying the flag of the Isle of Man, Berge Toubkal features a length of 300 meters and a width of 49 meters.The newest delivery brings Berge Bulk’s fleet to a total of 54 carriers, with an aggregate fleet tonnage of 10.6 million dwt.last_img read more

28 Sep

CMA CGM’s LNG-Fuelled Behemoths to Fly French Flag

first_imgWorld’s third biggest container shipping major CMA CGM announced plans to register four of its 20,000 TEU + size giants under the French flag.Namely, speaking at a recent Ecole Nationale Supérieure Maritime (ENSM) event, the company’s CEO Rodolphe Saadé said that CMA CGM’s next flagship, featuring 20,600 TEU will fly the French flag and will be named CMA CGM Antoine de Saint-Exupéry.In addition, the company’s three LNG-powered newbuildings, belonging to the recently ordered 22,000 TEU batch, will also sail under the French flag.To remind, CMA CGM revealed its plans earlier this month to equip its nine future ships of 22,000 TEUs with engines using liquefied natural gas thus becoming the first shipping company in the world to equip giant containerships with this type of motorization.The company ordered the 22,000 TEU vessels from the Chinese CSSC Group spending around USD 1.2 billion. The first ships from the series are scheduled to come into service from the end of 2019.With these four ships, the company’s French-flagged fleet will reach 27 vessels in 2020.World Maritime News Stafflast_img read more

27 Sep

End of Life Choice Bill – 1st Reading – Bill English (National)

first_imgI rise to oppose this bill, principally for the reason that this House has defeated such legislation twice in the last two decades, and it is this: it removes a principle at the core of the law written to protect everybody, and particularly the most vulnerable, and that is the blanket prohibition against taking the life of another. That is at the core of our criminal law that protects everybody, particularly the most vulnerable. In removing that prohibition, which has been in our law for as long as this country has existed, this Parliament is taking a huge step.I appeal to our members tonight. I’m sure we’ve all had the experience—I know I have—or know about the experience, of witnessing the suffering, the fear, and the anxiety of a dying person and those around them, and, sometimes, a difficult death. Alongside that personal connection, we have to weigh up, in our role as lawmakers—not just as parents or children or siblings or friends of those who we’ve seen die, but as lawmakers. Our role is not principally to alleviate suffering; our role is to ensure that our society has a set of laws that protect those who most need protection.Did you know that in our law, section 179 of the Crimes Act, it is a crime to incite the suicide of another person, even if they don’t actually commit it—even if they don’t actually commit it? Why is that there? Because we don’t want people encouraging a depressed disabled young person to think that their life isn’t worth anything. As lawmakers, the reason there is a blanket prohibition is because you are not always the best judge of the value of your life, and the price that our community pays for enabling a doctor to take your life, free of criminal scrutiny, is that many other people are more vulnerable. Their lives will become more fearful, and they’ll become more subject to the pressure to make the judgment themselves that their life has less value and therefore they should make the decision. It is a slippery slope. That is why this bill, with its cold, technical, bureaucratic process of death, tries to look like it’s safe.We have to weigh it up, and every Parliament up to now has said that the balance between what is enabled for an individual and the cost of that enablement to the rest of society is too big a risk to take. I put the case that as lawmakers that is the question that we need to weigh up: is the gain in personal autonomy—because the research shows people embark on euthanasia principally for autonomy reasons; they may not be suffering that much—worth the broader cost to our community? I don’t think anyone can, in their heart of hearts, believe that this bill will make life safer for the disabled or that it will make our community more warmly embracing of our ageing population. Who pretends that? It won’t—it won’t.That is why I will oppose it and invite others to. You know, we’re not creating medical procedure here; we’re creating an exemption from the criminal law against killing for a specified group—that is, doctors, who do not want to carry this burden—under some conditions that amount to box-ticking. So I ask the Parliament to consider that very carefully—the removal of the blanket prohibition against taking a life, which should be subject to scrutiny and accountability.last_img read more