Leaders of NAFCU’s award-winning government affairs team Thursday provided credit unions with insights into how the power structure of Congress and regulatory agencies could be impacted by the outcomes of the 2020 election. In addition, NAFCU’s Carrie Hunt published a new op-ed in CUInsight touting credit unions’ position for success heading into a new year and congressional session.As of Friday morning, presidential results for Alaska, Nevada, Arizona, Georgia, North Carolina, and Pennsylvania were unknown.In her op-ed, Hunt, NAFCU’s executive vice president of government affairs and general counsel, noted the uncertainty remaining in the election results: The presidential winner has yet to be called, and while Democrats will maintain control of the House, Senate control is dependent upon the outcome of races that are too close to call.“It is important to remember that there are several issues still to be resolved this year before we even get to the winners being sworn in come January,” Hunt wrote. “Congressional leaders will soon turn their attention to the remaining work left for this Congress, and NAFCU will be advocating for credit unions every step of the way. This is placeholder text continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr This post is currently collecting data…
As of this writing, it was not yet confirmed if she was rapedpending the result of a medical examination. According to police investigation, thevictim, a Grade 8 student, was on her way to school when she was dragged to asugarcane plantation in the village and raped. It was around 6 a.m. Officers of the Cadiz City policestation conducted a manhunt operation against the suspect, who fled after theincident./PN A passerby discovered the girl’s bodyand rushed her to the Corazon Locsin Montelibano Memorial Regional Hospital inthis city. Police believed that the suspect useda stone to hit the victim. BACOLOD City – A 13-year-old girl wasallegedly raped in Barangay Magsaysay, Cadiz City, Negros Occidental onMonday. The suspect was identified as thesecond cousin of the victim’s stepfather – whose name was withheld to protectthe victim’s identity.
Espanyol coach Abelardo Fernandez during the press conference.Kampala, Uganda | XINHUA | La Liga’s bottom club RCDE Espanyol on Saturday confirmed that Abelardo Fernando has been relieved of his duties as first team coach after just 13 games in charge.Abelardo is the third coach sacked by the Barcelona based outfit this season after David Gallego and Pablo Machin, and he leaves after leading Espanyol to 14 points from his 13 games at the helm.However, that slight improvement was not enough to lift Espanyol out of last place and a 1-0 defeat away to Betis (who had only won once in their previous 11 matches) on Thursday night was Abelardo’s last game in charge.The defeat in which Wu Lei missed a late chance to equalize, leaves Espanyol with just 24 points from 31 games, 8 points behind fourth from bottom Eibar, and with an uphill battle to avoid relegation.“The club has taken the decision as the result of the sporting performances of the first team and with the clear aim of saving the ‘blue and whites’ from relegation,” informed the official communique of the sacking on the Espanyol website. The timing of the sacking is slightly surprising given that Espanyol entertain league leaders Real Madrid on Sunday night and the club’s Director of Sport, Francisco Joaquin Perez ‘Rufete’ will take charge for that game and the rest of the season. Enditem****XINHUAShare on: WhatsApp
Prof Jannie Maree has successfully received a patent to treat acid mine drainage.(Image: www.savingwater.co.za) Masters students Vhahangwele Akin Bologo and Dineo Maila, with Prof Jannie Maree.(Image: Prof Jannie Maree) MEDIA CONTACTS • Professor Jannie Maree Rand Water Chair, Faculty of Science, Tshwane University of Technology +27 12 382 6343. RELATED ARTICLES • Working towards sustainable mining • CSIR at the World Water Forum • Mining history for new solutionsAneshree NaidooWhen the Witwatersrand Gold Rush began 127 years ago, it birthed the city of Johannesburg, affectionately known in Zulu as eGoli, the City of Gold. But years later, as the ground gave up its last golden nuggets, the abandoned mines have filled up with acidic water that poses a significant pollution threat to the city’s water resources.But South African academics and scientists have been hard at work on solutions to tackle the corrosive mining by-product, and one has successfully applied for, and received, a United States patent for an acid mine water treatment process.A world-leading scientific processProfessor Jannie Maree, Rand Water chair in water utilisation in Tshwane University of Technology’s Faculty of Science, says the magnesium-barium-hydroxide (MBO) process, which removes metals and sulphate from mine water, offered South Africa a technically sound and cost-effective solution for the acid mine water problem.Acid mine drainage is highly acidic water, usually containing high concentrations of metals, sulphides and salts from mining. This acid runoff also dissolves heavy metals such as copper, lead and mercury into ground or surface water, threatening the health of rivers by disrupting aquatic organisms’ growth and reproduction. Further problems include the acidic runoff corroding infrastructure like bridges. Most importantly though, the drainage pollutes groundwater, which contributes to the drinking water supply. In a water-poor country like South Africa this poses a significant problem.So much so that in his 2012 State of the Nation address South Africa’s President Zuma said that R248-million was to be invested over the next two years to deal with acid mine drainage on the Witwatersrand, an extensively mined area in the Greater Johannesburg Metropolitan Area in the province of Gauteng.Gold mining began in 1886 on the Witwatersrand, which stretches 50km from Krugersdorp to the west, to Boksburg to the east. From the 1950s mines across the region started closing down and the last remaining operational mine, East Rand Propriety Mines in Boksburg, closed its operations in 2008.During the mining period, there was infrastructure in place to pump water out of the mines. But as they closed down, the underground voids created from mining operations have filled up as the pumps have ceased. Accumulated water has also flowed into adjacent mines, filling up the entire void.Laboratory success, real world applicationMaree said removing metals and sulphate with the MBO process could produce water that contained levels low enough to be acceptable as drinking water. “This was provided the levels of sodium and chloride in the treated water was low.”He added that the “patented process was used with great success at laboratory level”, where water from coal and gold mines was used. The success of the process success was recorded in Tshwane University of Technology (TUT) postgraduate student Hangwi Bologo’s master’s dissertation.Maree describes the income-generating side to the process, saying “the saleable products from the process would be sulphur, calcium carbonate and the treated water. Depending on the water quality other saleable compounds could be metals and magnesium hydroxide.”He adds: “SA imports its sulphur. Sulphuric acid is produced from sulphur which is an important raw material in the manufacturing of fertiliser.”The water treatment stage is ready for full-scale implementation. The thermal stage where barium sulphate is processed to barium hydroxide needs to be demonstrated on a pilot scale. This will be done by September 2014. For full-scale implementation the process will compete with technologies such as reverse osmosis, ion exchange and biological sulphate removal.Acid drainage filtrationAnother academic working on, among others, the acid mine drainage problem, Professor Sunny Iyuke of the University of the Witwatersrand School of Chemical and Metallurgical Engineering, has, with the help of PhD students, developed a membrane to separate waste from water. The membrane has applications across industry, water purification and even medicine.According to Iyuke the membrane (similar to a household water filter) could be used to catch water waste from mines before it entered drains or the water table.
RELATED ARTICLES “Once all the lighting sockets in these countries contain LED light bulbs, the amount of electricity saved would be equivalent to Mexico’s annual electricity consumption,” he said.More stringent efficiency requirements for light bulbs should produce results quickly, he added, because incandescents and halogen bulbs burn out quickly — within a year or two. That allows a rapid transition to less wasteful alternatives. The effort also should help developing countries “avoid being the dumping ground for energy-wasting bulbs banned in other nations,” Horowitz wrote.He told Greentech Media that at least a dozen countries are now drafting laws or regulations based on the U.N.-backed guidelines. The United for Efficiency (U4E) project also plans to develop model regulations for refrigerators, air conditioners, and other products in the future. California Gets New Light Bulb Efficiency StandardMartin’s 10 Rules of LightingGreen Basics: Lighting and Phantom LoadsLED Filament BulbsFuture of LEDs: Lower Cost, Higher Efficacy Regulators in the U.S. and Europe are winning their war on inefficient light bulbs as halogens and incandescent bulbs are being replaced by more efficient alternatives. Globally, sales of incandescent bulbs have dropped by more than 80%, from 12 billion bulbs a year to 2 billion.In many parts of the world, however, inefficient bulbs are still easy to find, and that’s prompted an effort by a United Nations group to help developing countries in Asia, Africa, and Latin America pass their own efficiency standards phasing out old-style bulbs, Greentech Media reports.At a conference in Copenhagen last month, the U.N. Environment Programme, the Natural Resources Defense Council (NRDC), and Signify (formerly Philips Lighting) released Model Regulation Guidelines intended to help countries transition to more efficient general service lighting. (Industrial, office, and street lighting would be covered in future model regulations.)Noah Horowitz, senior scientist and director of the NRDC’s Center for Energy Efficiency Standards, explained the model regulation in a blog posted at the NRDC website last month, noting that billions of inefficient bulbs are still being sold.“While regulations that phase out future sales of these inefficient bulbs are due to go into effect throughout the European Union later this year and in the United States in 2020 (and are already in effect in California), similar policies do not exist in most developing and emerging economies,” he wrote.In the U.S., a standard that takes effect in 2020 sets a minimum energy efficiency of 45 lumens per watt, several times more efficient than a typical incandescent bulb. Europe will ban certain halogen lamps this September.The model regulation gives participating countries two options: one allowing only LED light sources and the second permitting both LEDs and compact fluorescents, which aren’t as efficient and also contain small amounts of mercury. Lighting represents 15% of all electricity used worldwide. Potential savings from adopting higher efficiency standards in countries that currently don’t have them would be $18 billion in electricity costs and more than 160 million tons of avoided carbon dioxide emissions annually, Horowitz said.
“You’re an animal like the other animals or you’re something different, something higher, and known to be different and higher. Someone has to be the good guy.” Peggy Noonan, A Flawed Report’s Important Lesson, WSJ, December 12, 2014Some of your competitors will lie to win a deal. They will say whatever they believe their prospective client wants to hear, knowing it isn’t the truth. You may be frustrated knowing that they’re lying and winning.Some businesses you compete against will act immoral, and some will take actions that are illegal, all to make a buck. Their success may get a lot of press, and it might look pretty in the papers right now.Some of your competitors will speak poorly of you and your business to win an opportunity. You may be frustrated and angry to learn that a competitor is trying to make themselves look better by trying to make you look bad.Some people will tell their prospective clients what they want to hear in order to ingratiate themselves to that person. The would rather have their business than tell them what they really need to hear.None of these tactics are effective long term. In fact, over time these tactics undo those who use them. Someone may effectively lie to win a deal, but over time that lie will be exposed, and the person who lied will no longer be credible. People and companies that try to win by using tactics that are illegal or immoral get a different kind of press when these actions are exposed. Eventually, you are going to judged by who you are, not what your competitors say about you. And, eventually, your dream clients are going to need to know the truth about what they need to change and how much it is going to cost.You can’t control the tactics that other people or companies use to pursue and win new business. The only thing that you can control is who you are going to be. If you decide to be something different and higher, you will be known for being those things, even if it takes time for this to be known.Character is the long game. Who you are going to be has nothing to do with the decisions that other people make about who they are going to be. Your character is your business.Legacy is the longest of long games. The difference that you are going to make is solely up to you, and it has nothing whatsoever to do with the fact that other people aren’t considering their legacy. Your legacy is your business. Essential Reading! Get my 2nd book: The Lost Art of Closing “In The Lost Art of Closing, Anthony proves that the final commitment can actually be one of the easiest parts of the sales process—if you’ve set it up properly with other commitments that have to happen long before the close. The key is to lead customers through a series of necessary steps designed to prevent a purchase stall.” Buy Now
Almost all flagship smartphones for the year 2014 from giants like Samsung, HTC, Apple, Sony and LG are out. However, Apple is rumoured to launch its next iPhone on September 19 this year. Most of these phones were launched with new features and better specifications leading to a specs war.Models pose with LG G3 smartphones.The latest launch is from the South Korean tech giant LG Electronics, which has launched its 2014 flagship, the LG G3 this week with some new features. A few months ago, perhaps the most talked about smartphone of the year, the Samsung Galaxy S5, from another South Korean tech leader was launched. Samsung has been claiming that its S5 has been as successful as its 2013 flagship, the Galaxy S4.Must read – LG G3 smartphone: Five features to notice Check out – Samsung Galaxy S5: Ten things to notice LG G3 versus Samsung Galaxy S5 is a battle between two titans from the same land–South Korea.Samsung Galaxy S5The first thing we look for in a phone is its price. While the Samsung Galaxy S5 was launched for Rs 51,500 in India, the price of LG G3 is yet to be announced officially. Its India launch is not confirmed. LG G3 smartphones during launch.Screen battle: With the 5.1-inch Full HD Super AMOLED screen (1920 by 1080 pixel resolution) with a slim bezel and Adaptive Display, Samsung claims to provide a superior viewing experience in Galaxy S5. The LG G3 comes with a quad HD 5.5-inch screen having a 2560×1440 pixel resolution. The G3 may trigger a screen resolution war. This is the first time a phone screen has got a pixel density of 534 per inch.advertisementCamera: The LG G3’s main camera stands at 13-meagpixels same as the LG 2. But this time LG has come up with some interesting additions to its 2014 flagship phone. As per its claims, the G3 can grab focus in 276-millisecond. The Galaxy S5 sports a 16-megapixel main camera. What makes its camera different is its auto-focus speed which, as Samsung claims, is 0.3 seconds. Water Resistant: The Samsung Galaxy S5 claims to be a certified water and dust resistant handset, whereas the LG chose not to include water resistance feature to avoid sacrifice of “other key features and functions”. So, it defied the trend.Internal Storage, RAM: Both the G3 and Samsung Galaxy S5 come in 16GB and 32GB variants with expandable memory via microSD cards. RAM storage can be expanded using microSD cards. The LG smartphone comes with 2GB and 3GB RAM options wherein the Galaxy all variants of the Galaxy S5 have 2GB of RAM.Battery: This is the biggest area of concern for any smartphone users. They all want a long lasting battery. The LG G3 has a 3,000mAh battery where as the Galaxy S5 comes with a 2800mAh battery.Others: The Galaxy S5 comes with features like health monitor and fingerprint scanner. These are not available on the G3. However, LG’s smart keyboard which it claims to reduce input errors by up to 75 per cent by tracking and analysing typing habits and intuitively “knowing” what word the user intended to type and feature to adjust the height of the keyboard to better fit the user’s hands is unique.On the other specifications front, both the smartphones are almost the same as both are powered by a Qualcomm Snapdragon 801 processor.
@Eden_RichardsThe Queensland Cowboys have gone back-to-back in the Men’s Elite Eight after defeating the Queensland Titans 6-3 win at the National Touch League in Coffs Harbour.The reigning champions led the match from start to finish on a beautiful night at C.ex Coffs International Stadium, showing their class from the early minutes of play.It was an unfortunate result for the Titans who had performed so well for the whole tournament, but even they will appreciate the class and talent of the Cowboys’ side.A two-touchdown performance from Cormac Hoch helped his side to a 3-1 lead at half-time and they used this momentum to skip away in the second half. Jack Hughes opened the scoring in the early minutes of the second half, giving the Cowboys a commanding 4-1 lead in the process.They went on with it in the 27th minute, scoring the easiest of touchdowns through Damon Moore to lead 5-1.A stalemate emerged for the next seven minutes, before Cowboy Lachlan Hoch grabbed his first of the night to make it 6-1 with a little over five minutes to play.The Titans scored a consolation touchdown in the 36th minute to add some respectability to the scoreboard, but Graeme Clancy’s efforts were not enough, with the scoreboard showing a 6-2 scoreline in the Cowboys’ favour.Clancy grabbed a third touchdown on the hooter but the celebrations had already started for the Cowboys who held on for a 6-3 win.It was a complete 40-minute performance from the Cowboys who opened the scoring very early in the match to grab the upper hand from the get-go.In fact it took just three minutes for the Cowboys to cross the line, with Braydon Hegarty crossing in the left corner.Cormac Hoch sliced through the Titans’ defence in the 10th minute to make it 2-0, putting his side in a great position in the process.But just minutes later, The Titans cut the deficit to one touchdown through the handy work of Clancy who crossed in the right corner.However, the Cowboys continued to pile on the pressure and it paid off in the 16th minute, with Cormac Hoch scoring a spectacular touchdown to put his side up 3-1. That’s the way it stayed at half-time, and the Cowboys used that momentum to go on with the match and claim the title.Queensland Cowboys 6 (C. Hoch 2, L Hoch, Hegarty, Hughes, Moore touchdowns) def. Queensland Titans 3 (Clancy 3 touchdowns)Related LinksMen’s E8 final