Tag: 上海GM群

USDA’s January Reports Prove To Be Market-Movers for Grains

first_img SHARE Home Indiana Agriculture News USDA’s January Reports Prove To Be Market-Movers for Grains Previous articleIndiana Farm Bureau Welcomes New District Leaders for 2021Next articleIndiana Annual Crop Summary Ashley Davenport Facebook Twitter Facebook Twitter History has proven that USDA’s January data dump has moved markets, and the grain markets certainly received a bullish surprise.USDA released 11 reports in the 12 o’clock hour on Tuesday.Highlights:CornAverage yield: 172.0 bpaProduction estimate: 14.182 million bushels, down 324 millionAcres planted in 2020: 90,819,000Acres harvested in 2020: 82,467,000SoybeansAverage yield: 50.2 bpaProduction estimate: 4.135 billion bushels, down 35 millionAcres planted in 2020: 89,084,000Acres harvested in 2020: 82,318,000WheatAverage yield: 49.7 bpa all wheatPlanted area estimate: 32.0 million acres which is the fourth lowest on recordWinter wheat area seeded 2021: 31,991,000HRW seeded area estimate: 22.3 million acresSRW seeded area estimate: 6.23 million acresWhite winter wheat seeded area estimate: 3.48 million acresTo view all the reports, click here.  USDA’s January Reports Prove To Be Market-Movers for Grains By Ashley Davenport – Jan 12, 2021 SHARElast_img read more

read more

Durkan steps up effort to secure a City Deal for Derry

first_img Pinterest WhatsApp Facebook Google+ Twitter By News Highland – March 20, 2015 Main Evening News, Sport and Obituaries Tuesday May 25th Facebook Foyle MP Mark Durkan is pressing the case for a “City Deal” for Derry, saying that this would be a way of implementing the One Plan which has been agreed at local and Stormont level.Mr Durkan had a meeting this week with Northern Secretary Theresa Villiers, and says she is supportive of the idea which aims to help a city or region boost investment, promote growth and create jobs.Mr Durkan says the support and backing of the Executive will be vital, and he believes the success of this scheme in a number of cities in England, Scotland and Wales can be replicated in Derry……….Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2015/03/durkancitydeal.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Man arrested on suspicion of drugs and criminal property offences in Derry Previous articleAverage disposable income in Donegal still 3,500 below the national averageNext articleSame again for Ireland as Muldoon and Stapleton chase Championship News Highland Pinterestcenter_img 365 additional cases of Covid-19 in Republic Twitter 75 positive cases of Covid confirmed in North Gardai continue to investigate Kilmacrennan fire Durkan steps up effort to secure a City Deal for Derry RELATED ARTICLESMORE FROM AUTHOR Google+ Further drop in people receiving PUP in Donegal Homepage BannerNews WhatsApplast_img read more

read more

Workers’ compensation to go down again on April 1

first_imgGovernor Jim Douglas today announced that workers compensation insurance would cost less for most Vermont employers when new rates approved by the Department of Banking, Insurance, Securities and Health Care Administration (BISHCA) become effective on April 1, 2010. This is the fourth straight year Vermont rates have decreased. I am pleased to announce another year of decreased workers compensation rates. This is excellent news, especially for the many Vermont small businesses that will benefit from this decrease, said Governor Douglas. Four consecutive years of decreased rates would not be possible without employers continued attention to the issue of workplace safety, and the work of state regulators who successfully maintain a positive business environment for insurers.In the voluntary market the competitive market offering the most favorable rates loss costs will decrease by an average of 4.1 percent. Loss costs are the primary component of workers compensation rates. 93.4 percent of Vermont employers receive voluntary market coverage. In the assigned risk market the market for employers unable to obtain coverage in the voluntary market rates will also decrease by an average of 2.9 percent.BISHCA Commissioner Paulette J. Thabault echoed the Governor s comments. The health of Vermont’s workers’ compensation market has clearly improved over the past several years, as reflected in these lower rates and the declining number of employers in the assigned risk market,” said Thabault. It is also important to recognize that businesses across Vermont have worked hard to create a culture of safety at their workplaces, and the reduced costs that many employers will experience with this rate decrease are a direct result of their efforts.Rate changes vary by industry and classification. Of particular note among 2010 rates are significant reductions for two iconic Vermont industries: dairy farms (-18.9%) and ski areas (-12.9%).Source: Governor’s office. 3.1.2010last_img read more

read more

Chilean, Peruvian Armies Prepare for Emergency Response

first_imgBy Felipe Lagos/Diálogo January 15, 2019 The Chilean and Peruvian armies ended 2018 with a simulated humanitarian response exercise in the border area both countries share. Exercise Army Understanding 2018 (Concordia Ejército, in Spanish) gathered the 1st Armored Brigade “Cuirassiers” of the Chilean Army’s 6th Division, based in Arica, and the Peruvian Army’s 3rd Cavalry Brigade, based in Tacna. Conducted for the first time, the tabletop exercise was carried out in Arica under the Tactical Operational Training Center (CEOTAC, in Spanish) of the Chilean Army’s War College. For three days in late November, participants tested their knowledge facing natural disasters through the Simulation System for Emergency Situation Management and Training, a program CEOTAC developed to virtually coordinate and evaluate the different institutions involved in civil protection. The goal of Army Understanding 2018 was to develop logistics aspects to provide a combined humanitarian response to natural disasters. The army also sought to reinforce protocols to deploy supporting units to troubled areas, as well as the use of telecommunications equipment. “I think it’s a very important milestone for relations between our armies and our two nations in the diplomatic arena,” said Chilean Army Brigadier General Cristóbal de la Cerda Rodríguez, director of operations and commander of the 1st Armored Brigade “Cuirassiers” during Army Understanding 2018. “It was an extremely important achievement.” Binational response The fictitious scenario of Army Understanding 2018 consisted of an earthquake followed by a tsunami that affected the port town of Arica in northern Chile and the Tacna region in the extreme south of Peru. Although the natural disasters hit both areas, according to the scenario, the Chilean region, left without land or maritime access, suffered more. “As part of the simulation, [the Peruvian Army] had capabilities that it made available to the Chilean government,” Brig. Gen. De la Cerda told Diálogo. “When the Chilean government saw its capabilities surpassed, it accepted this support, and [the Peruvian Army] deployed an engineering unit and a welfare unit.” Participants— 60 officers of which 14 were from the Peruvian Army— executed more than 2,000 coordinated actions to test their response and interoperability capabilities. In one of the scenarios, the officers confronted difficulties in getting through customs, accidents with military vehicles, health issues, and logistics issues related to victim rescues. “Without a doubt, the goal of this exercise is to save lives immediately,” said Peruvian Army Colonel Raúl Enrique Devoto Uribe, commander of the Peruvian delegation. “That’s why it’s important to use this exercise as an immediate solution.” Enduring friendship According to Brig. Gen. De la Cerda, exercise Army Understanding 2018 has been in the making since the 2000s. The enduring friendship between both institutions, particularly between the border units that face similar emergency situations due to their geographical location, gave rise to the humanitarian exercise. “For more than 30 years, there has been an ongoing and institutional link between the two border units,” said Brig. Gen. De la Cerda. “They gradually signed permanent and temporary agreements, and in 2004 adopted this measure of mutual trust and integration related to this binational disaster and emergency exercise.” For Brig. Gen. De la Cerda, being able to conduct the exercise successfully was the priority. The scenarios will help strengthen the troops’ skills and allow for a better focus on areas that need improvement. “We were able to verify some coordinated actions that can be improved to optimize the deployment and response times when providing disaster support,” the officer said. “The simulated events performed during the exercise might have been exaggerated, but obviously they provide experience and the chance to agree on new protocols.” The exercise will be conducted annually, on a rotational basis. The Peruvian Army will host Army Understanding 2019 in Tacna. “This is a major step we’re making to strengthen the bonds of mutual trust and cooperation,” Col. Devoto concluded. “The main beneficiaries are the people of Arica and Tacna.”last_img read more

read more

Hunt shares CHOICE Act praises, suggestions ahead of mark-up

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Emphasizing the need for a positive regulatory environment that allows credit unions to succeed, NAFCU’s Carrie Hunt shared the association’s views Monday on H.R. 5983, the “Financial CHOICE Act,” with leaders of the House Financial Services Committee in a letter sent ahead of today’s bill mark-up.“We praise committee Chairman [Jeb] Hensarling for his leadership in proposing a balanced relief package that includes a number of credit union initiatives,” said Hunt, NAFCU’s executive vice president of government affairs and general counsel.Writing Hensarling, R-Texas, and committee Ranking Member Maxine Waters, D-Calif., Hunt, began her letter by listing a few of the elements that NAFCU believes are necessary for credit unions to succeed in this regulatory environment. Among these, she noted, are the ability to pursue healthy fields of membership that are not limited by outdated laws or regulatory red tape; capital requirements that are appropriate to risk and not “one size fits all”; and an independent federal regulator that can address the challenges of the industry. continue reading »last_img read more

read more

Emerging trends in credit union lending: Real estate appraisals for social distancing

first_imgAs a mortgage and financial technology provider for credit unions, our team has never encountered a challenge as all-encompassing as COVID-19 and its impact on lending. COVID-19 is rapidly changing the way we work with members during the loan process. Technology is going to have to move rapidly to minimize that impact for both the member and CU in ways that will hopefully be beneficial even once we are past these challenges.It is quickly becoming apparent that technology that promotes social distancing can not only help facilitate lending transactions, but it can do its part in minimizing the spread of COVID-19.A Common ThemeThere is a common theme rising from this pandemic. Each day, as we learn more, we have more questions. We look at the shaken-up state of our operations today and we compare it to what we were doing yesterday. Should we keep doing that? Is it even possible to keep doing it? If yes, are we sure? If not, what can we do differently? And in this challenging time, we realize our questions are all about how to bring more clarity to tomorrow so we can protect our members, teams and families.Can Mobile Technology Help Protect the US and Help CU Business?Safety and health are top of mind right now, both for people and for businesses. Thankfully, there are many digital and mobile technology advancements that promote social distancing and streamline transactions, especially at the lending technology level. From remote notary services, e-signatures, online applications and more, great strides have been made.But there are some areas of lending that have not benefitted from all these technological advancements to help people stay safe. One of those is real estate appraisals because traditionally, there has been the need for a homeowner to open their residence up to an appraiser. This has forced credit unions to make tough decisions. Do we use an automated valuation model, drive-by/desktop appraisal, or possibly a tax assessed value and forgo an appraisal? What if there are issues with the property only a closer visual inspection can reveal?Exterior-Only vs Complete Appraisal InspectionsA simple solution is to not do an interior inspection and rely on a drive-by or exterior only inspection. Is this a suitable solution and does it provide enough information to make a lending decision or is it just curb appeal? Shouldn’t you know what the current interior looks like for safe and sound practices to maintain the quality of your portfolio? Additionally, these still require a stranger to interact with members while moving around their property.Credit unions must look for alternatives to appraisals that can still provide them with valid first-hand information regarding the current condition of the property and market reporting. These alternatives need to be more efficient than an appraisal yet provide them with the same type of data while keeping members safe.Mobile Appraisal Solutions for Complete Appraisal InspectionsMany FinTechs are providing mobile appraisal solutions to credit unions, appraisers and homeowners. These mobile appraisal solutions are web pages or apps on mobile devices that allow credit union lending departments to request that the homeowner collect interior and/or exterior property data – such as photos and descriptions – and then transfer this information to the credit union or the appraiser to complete their process. These mobile appraisal solutions also verify the site/subject property to deter fraud.Other solutions allow credit unions to place a regular appraisal order to their appraiser, and the appraiser can request that the homeowner provide the interior inspection information needed. The appraiser then gathers this information for their report for completion and submission back to the lender.The mobile nature of these appraisal solutions promotes social distancing by limiting in-person contact, so appraisers and homeowners stay safe. And members get their loans. And credit union loan pipelines keep moving.Best Practices: Instant Fraud PreventionAs with any new or emerging trend, the opportunity for fraud is rife. The proper mobile appraisal solution will combat this right out of the gate, so fraud is easily prevented. A common situation that may happen is based on the homeowner’s motive: they want their home value to be high, so maybe they fudge a little bit on the pictures they are providing to the appraiser or the lender. Maybe instead of the kitchen flooring or countertops in their home, they snap a picture of their neighbor’s or family member’s home, or of pictures out of a magazine.In a mobile world, how do you prevent this?Separate the Photos Taken from the Smart PhoneThe best mobile appraisal solutions will deter fraud with mobile app technology and alert the lender instantly. The best solutions will be mobile apps installed on phones or iPads. Why? Because web-based solutions can request that the homeowner take pictures from their phone, and the picture can be manipulated. A mobile app will separate the phone’s stored photos from the pictures taken within the app. All pictures taken in the mobile app will have the benefit of geo-location and 3D room validation.Applying Geo-Location Technology to in-App PhotosGeo-location technology is available on all modern mobile devices connected to the internet. Mobile apps must take advantage of this to prevent fraud. By separating the phone’s camera roll from photos taken with the app, all photo locations can be tracked down to approximately 2 feet of where the photo was taken. With this information, the exact location of the picture taken of the property can be plotted on a subject property map to bring assurance that the pictures were taken at the property.Utilizing 3D Picture ValidationAnother key fraud prevention feature that apps need to utilize to be a first-class offering is to scan and validate the depth of a room. This will prevent against the so-called “taking a picture of a picture” which always has a 2-dimensional outcome. When an app applies 3D room validation to a picture, it verifies that the room has a third dimension, proving that the picture is an authentic first-generation picture of a real room, reducing lending risk, and keeping loan quality high.Simple and Easy to UseValidating locations and 3D room scans sounds complicated. To make this easy on a homeowner or other non-appraiser, these fraud prevention features must be a default function of the app, so they don’t interfere with ease of use, because these mobile appraisal apps must be simple to use. Ideally, they will walk the user of the app step-by-step through what pictures need to be taken of which room of a property’s interior. This simple, wizard-like approach helps to round out the first-class offering for mobile appraisal solutions.The Preferred Mobile Appraisal SolutionsSolutions that offer all these features are going to be a credit union’s first-class choice for safe and healthy appraisal practices during the COVID-19 pandemic. The premium feature set is your starting point for best practices in mobile real estate appraisal solutions that promote health and safety through social distancing.These solutions encompass the requirements a credit union would need to pursue high-quality, complete appraisals for their lending department that keep loan pipelines moving and maintain safety and health for members, homeowners, appraisers, and communities. 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,David Chiappe David Chiappe is the President of SharperLending LLC and its divisions, including the SharperLending Mortgage Services Division, the mortgage services, Verisite, and Appraisal Firewall platforms; SharperLending Credit Division, technology for … Web: https://sharperlending.co Detailslast_img read more

read more

Governor Wolf Reminds Consumers of Availability of Federal Funding for the Heating Assistance Program (LIHEAP)

first_img November 07, 2017 SHARE Email Facebook Twitter Human Services,  Press Release,  PSA,  Public Health,  Public Safety,  Weather Safety Harrisburg, PA – Governor Tom Wolf today reminded Pennsylvanians that there is federal funding available for the Low-Income Home Energy Assistance Program (LIHEAP). Crisis and regular LIHEAP applications began November 1, 2017 and end April 6, 2018.“Making sure all Pennsylvanians are safe and healthy is my top priority,” said Governor Tom Wolf. “It is essential that we ensure that every Pennsylvanian has a warm home and I encourage anyone who needs this assistance to apply for the program that provides hundreds of thousands of Pennsylvania’s families with a warm place to live throughout the winter.”LIHEAP provides assistance for home heating bills to keep low-income Pennsylvanians warm and safe during the winter months. The program is available to both renters and homeowners. The support comes in the form of a grant, so the individual does not have to repay assistance, and funds go directly to their utility company or home heating fuel provider.During the 2016-17 LIHEAP season, 348,672 households statewide received $116,494,464 million in LIHEAP cash benefits. These households received an average benefit of $334.“LIHEAP is a federal program that was at risk for cuts earlier this year,” Governor Wolf said. “A cold home in the winter can have devastating consequences for infants, elderly and those with compromised immune systems. This is vital funding that cannot be reduced or eliminated, and I will fight to ensure that doesn’t happen.”For more information on the LIHEAP program, or to download an application, visit DHS’s LIHEAP webpage.Having a warm home is one way to stay healthy and safe over the winter. The Pennsylvania Department of Health also offers helpful tips to be prepared for winter weather.Some of the tips included are:Infants and older Pennsylvanians are at greater risk of serious cold-related health issues and should be checked frequently to ensure they are warm enough during cold weather.Provide warm clothing for infants, and ensure that those less than one year old never sleep in a cold room because they lose body heat more easily than adults and are unable to make enough body heat by shivering.Older adults often make less body heat because of a slower metabolism and less physical activity. If you are over 65 years of age, check the temperature in your home often during extremely cold weather.When power outages occur during winter storms, the use of other sources of fuel or electricity for heating, cooling or cooking can cause carbon monoxide (CO) to build up in a home, garage or camper and poison the people and animals inside.CO is found in combustion fumes, such as those made by small gasoline engines, stoves, generators, lanterns and gas ranges, or by burning charcoal and wood. Governor Wolf Reminds Consumers of Availability of Federal Funding for the Heating Assistance Program (LIHEAP) How to recognize CO poisoning:Exposure to CO can cause loss of consciousness and death; the most common symptoms of CO poisoning include headache, dizziness, weakness, nausea, vomiting; chest pain; and confusion.People who are sleeping or who have been drinking alcohol can die from CO poisoning before ever having symptoms.last_img read more

read more

C-NS, Liverpool cross country runners take part in Federation meet

first_imgLiverpool also had its boys cross country team at the Federation meet, and the Warriors finished 13th out of 27 teams with 304 points, Burnt Hills-Ballston Lake (151 points) finishing on top.Jake McGowan had an impressive race for Liverpool, getting 16th place among team runners and 26th overall in a clocking of 16:42.7, while Ryan Cartwright got 26th place in the team standings (40th overall) in 16:53.9.Carter Rodriguez, part of Section III’s winning effort at the NYSPHSAA Class A meet a week earlier, posted 17:39 flat, with Ryan Hagan finishing in 17:43.8, ahead of Charlie Praschunus (17:53.9) and Ethan Glashauser (18:13.2).Rodriguez and Schulz are both expected to race at Bowdoin Park in next Saturday’s Nike New York/Northeast Regionals, the qualifier for this weekend’s Nike Cross Nationals in Portland, Oregon.Share this:FacebookTwitterLinkedInRedditComment on this Story Cross country teams from Cicero-North Syracuse and Liverpool made their way to Bowdoin Park in Wappingers Falls last Saturdau to take part in the New York State Federation championships, where the girls Northstars and Warriors both had strong efforts.Of the 27 teams in the girls field, C-NS, with 248 points, found itself in seventh place. Liverpool, even without its top runner (Jenna Schulz) in the lineup, rose to 11th place with 295 points. Saratoga Springs easily took the team title with 37 points.On the individual side, Northstars freshman Kate Putman, fresh off her appearance in the New York State Public High School Athletic Association Class A meet a week earlier (where she finished 27th), finished 18th among team runners and 30th overall, covering the Bowdoin Park course in 19 minutes, 30.8 seconds. Tags: C-NScross countryliverpoolcenter_img To lead the Warriors, Sydney Carlson, who also ran at the NYSPHSAA meet and got 36th place, gained 28th place among Federation team runners and 45th overall, finishing in 19:51.8.Following Putman for C-NS, Marissa Navarra was 42nd among team runners in 20:16.6. Allison Newton, in 20:45.2, was two spots ahead of Gaby Putman (20:46.9) as Hannah Reichard finished in 20:51.6. Marissa Doty (20:59.2) beat out Morgan Kingdeski, who finished in 21:09.8.Two other Liverpool runners had top-50 team finishes behind Carlson. Eva Woodworth was 44th in 20:17.7, with Gabby McCarthy 48th in 20:28.2. Kaleigh Buck, in 21:01.8, was ahead of Charlotte Warner’s 21:16.8 as Kara Nash posted 21:23.5 and Addyson Graham finished in 22:46.9.last_img read more

read more

Trojans fall to Colorado in triple-OT thriller

first_imgThe USC Trojans (9-11, 1-7 Pac-12) took a heartbreaking 98-94 loss to the Colorado Buffaloes (11-9, 4-4) 98-94 in triple overtime Wednesday night at the Galen Center.Kenneth Rodriguez-Clisham | Daily TrojanClose but no cigar · Redshirt sophomore guard Katin Reinhardt had his best game in a Trojan uniform since transferring from UNLV, but his team was unable to get the win.Redshirt sophomore Reinhardt had a career night for the Trojans with 35 points including 9-18 from behind the arc. His nine threes tied a USC record. Sophomore forward Nikola Jovanovic was a consistent scoring threat throughout the night and finished the game with 30 points and 9 rebounds. Freshman guard Jordan McLaughlin posted a balanced stat line with 11 points, 7 assists and 7 rebounds,  but only shot 3-13 from the field and 5-12 from the line. McLaughlin was held scoreless until two minutes into the second half, and he struggled shooting the ball all night.In triple overtime, it was up to McLaughlin to lead the team after Reinhardt fouled out. McLaughlin continued to attack the basket and get to the line, but it was senior guard Askia Booker who led the way down the stretch for Colorado with his clutch shooting, including the                 go-ahead free throws at the end.In double overtime, Reinhardt and Booker went back and forth, but it was Jovanovic who hit the shot late to give the Trojans the late lead before Booker hit a floater to send the game to a third overtime.In overtime, redshirt sophomore Darion Clark provided a spark with clutch rebounding and free throws. But it was junior guard Xavier Johnson who hit a three with 30 seconds left to tie the game. McLaughlin, once again, had a chance to win the game at the buzzer but his shot rolled off the rim to send the game to double overtime.McLaughlin missed a contested layup at the end of regulation that would have won the game for USC.Booker led the way for Colorado with 43 points and overcame a hard foul by Jovanovic in the second half to keep the Buffs ahead most of the second half and eventually led them to the victory. Booker did a lot of damage from the line as he shot 13-15 from the stripe. Freshman forward Tory Miller scored 11 points and added 13 rebounds and Xavier Johnson added 12 points for the Buffs, despite fouling out in double overtime, who were balanced scoring all around.Jovanovic started off the contest going 5-5 from the field before he finally missed a shot late in the first half. Reinhardt had 16 points in the first half when he shot 6-12 from the field including 4-9 from behind the arc. USC had a strong first half overall as they led 38-37 and shot 46.4 percent from the field.USC next faces the 11th ranked Utah Runnin’ Utes (16-4, 6-2), Sunday at the Galen Center. Utah is led by head coach Larry Krystkowiak and senior guard Delon Wright. Wright leads his squad in both points and assists and has been in the conversation all year for the Wooden Award which is awarded to the most outstanding college basketball player every year. Utah is coming off a loss against UCLA (12-9, 4-4).last_img read more

read more