University of Georgia Cooperative Extension has scheduled two insect scouting schools for Georgia’s cotton, peanut and soybean farmers, both set for June.The UGA Tifton Campus Conference Center in Tifton, Georgia, will host a scout school on Monday, June 10, and the Southeast Research and Education Center in Midville, Georgia, will host the second scout school on Tuesday, June 18. Both workshops are set for 9 a.m. to 12:30 p.m. and serve as an introduction to insect monitoring for new scouts and a review for experienced scouts and farmers.Attendees will learn basic information about how to identify pests and signs of pest damage, natural enemies, scouting procedures and safety in the field. The sessions will end with an in-field review.“Insects are a problem every year, no matter what crop you’re talking about. The best line of defense remains scouting,” said Phillip Roberts, UGA Extension entomologist. “Hopefully, when the producers leave us, they will be better prepared to make the appropriate treatments before it’s too late.”The events are free. For those wishing to attend the scout school in Tifton, contact Debbie Rutland at 229-386-3424. For more information about the scout school in Midville, contact Peyton Sapp at 706-554-2119.
December 1, 2004 On the Move December 1, 2004 On the Move On the Move Ben W. Subin joined Holland & Knight in Orlando as a partner. Subin focuses in complex construction litigation, including defects, delay damages, acceleration claims, default terminations, bid protests, and changed conditions. Ed Guntin and Grace P. Laba joined Akerman Senterfitt in Ft. Lauderdale. Guntin was hired as of counsel in the intellectual property practice group. Laba was hired as an associate in the corporate practice group. Additionally, Mike Wilde, Mike Hennen, Brent Spain, Mike Wenger, Jim Frye, Mike McNatt, Cris Roper and Nancy Campiglia joined the firm’s Orlando office. Carlton Fields announces that Guinevere M. Christmann has joined the firm’s Tampa office as an associate in the Real Estate and Mortgage Financing Practice Group , and Christopher M. Sacco has joined the firm’s Tampa office as an associate in the Litigation and Dispute Resolution Practice Group. Dunlap & Moran, P.A. announced the addition of Thomas Luzier as a shareholder in the firm’s Sarasota office. Luzier focuses on representation of individual and corporate clients in all phases of commercial and residential real estate transactions, business transactional practice, and representation of institutional and private lenders in the documentation of loan transactions. Adam J. Kohl announces the formation of the Law Offices of Adam J. Kohl, P.A. , with offices at 11839 San Jose Blvd., Suite 200, Jacksonville 32223; phone (904) 880-2223; fax (904) 880-2268; e-mail: email@example.com. The firm concentrates in personal injury and consumer protection litigation. Michael Romm has relocated Michael R. Romm, P.A., to 150 S.E. 12th Street (Davie Blvd.), Suite 101, Ft. Lauderdale 33316; phone (954) 779-1015; fax (954) 779-1019; e-mail: firstname.lastname@example.org. Nicole D. Quinn has rejoined Carlton Fields in its Miami office as an associate in the Labor and Employment Practice Group. Quinn concentrates her practice in cases concerning the Americans with Disabilities Act, Rehabilitation Act, Title VII, Family and Medical Leave Act, contracts, and medical malpractice and insurance defense. Manuel Gonzalez, Jr., announced the relocation of his office to 2100 Ponce De Leon Blvd., Suite 1170, Coral Gables 33134-5201; phone (305) 444-1400; fax (305) 443-0903; e-mail: email@example.com. D. Jean Ryan and Marcia T. Dunn announce the formation of Ryan & Dunn, P.A., with office located at 3900 N.W. 79th Ave., Suite 417, Miami 33166; phone (305) 513-3303; fax (305) 513-3310; e-mail: firstname.lastname@example.org, email@example.com. The firm will concentrate its practice in the representation of debtors, creditors, and trustees in Ch. 7, 11, and 13 bankruptcy cases. Michael J. Rosen, P.A. has relocated its office to Grove Forest Building, 2937 Southwest 27th Ave., Suite 101, Miami 33133; phone (305) 446-6116; fax (305) 446-6150; e-mail: firstname.lastname@example.org, email@example.com. Anthony A. Garganese was named managing shareholder of Brown, Garganese, Weiss & D’Agresta, P.A., in Orlando. Garganese practices in the area of city, county, and local government law. Erin Ackor joined Moore and CO, P.A., in Miami. Ackor concentrates in all aspects of marine and aviation law. Keith E. Broll rejoined Rice & Rice with offices at 222 Seabreeze Blvd., in Daytona Beach and 1 Florida Park Drive South, Suite 301, in Palm Coast. Broll primarily represents clients in the areas of business law and commercial litigation. Nicole A. Deese, Perdita M. Martin, Brooke Wagner Odom, D. Finn Pressly, Jerald Steven Southwell and Yvette F. Zassenbraker joined Fowler White Boggs Banker as associates. Deese practices in the firm’s securities, financial service, and white collar practice. Martin, Odom and Pressly practice in the appellate practice group. Southwell practices in the environmental and land use practice group. Zassenbracker practices in the health care practice group. Ellyn Bogdanoff joined the litigation department of Atkinson, Diner, Stone, Mankuta & Ploucha, P.A., in Hollywood. Bogdanoff concentrates her practice in the area of commercial litigation. Ingrid Suarez joined the Office of General Counsel, Jacksonville Field Office of the U.S. Department of Housing and Urban Development. Suarez will provide advice and services with respect to all departmental programs and activities. Charles L. Gibbs II and Michael T. Fackler joined the Jacksonville office of McGuire Woods, LLP. Both joined the firm’s commercial litigation department. Cristopher S. Rapp joined Jones, Foster, Johnston & Stubbs, P.A., as an associate in its litigation department. Cathleen Scott, P.A., announced the opening of its new law office located at Jupiter Gardens, 250 South Central Blvd., Suite 104, Jupiter 33458; phone (561) 653-0008; Web site Floridalaborlawyer.com. The firm also will continue to maintain its West Palm Beach office. Richard H. Martin joined the litigation group of Akerman Senterfitt in Tampa as an associate. Daniel P. Faust joined the corporate practice group of Akerman Senterfitt in Miami as an associate. Olga Gonzalez, P.A. has relocated to 4000 Ponce de Leon Blvd., Coral Gables 33146; phone (305) 448-4686. Gonzalez continues to practice in the area of intellectual property law. Ilian Rashtanov joined south Miami office of The Law Offices of Michael J. Yates, P.L. The firm also relocated and expanded its offices to Sunset Station Plaza at 5975 Sunset Dr., Suite 602, Miami 33143. Jennifer T. Miller joined the litigation and dispute resolution group of Kluger, Peretz, Kaplan & Berlin, P.L., in Miami. Miller focuses her practice on commercial litigation.
8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Uh-oh, someone said. We have a problem.A tile had fallen from the ceiling in an old auditorium inside Visions FCU.Visions’ headquarters occupy a former school. The school had an auditorium, which the credit union wasn’t using.When the tile fell, they knew they had a problem. The space needed some work.But then it hit them. Why not transform the auditorium into a resource for the community?Fast forward to today, and here’s what they have.The board and staff at Visions are very excited, as they should be. They plan on making the space available to their local community, as well as doing training on financial literacy and more.They took dead space and turned it into an active asset for the community.Another NAFCU member is doing that. At AmeriChoice FCU, they devote space in their main lobby to a local business. It might be a car from a local dealer, bikes from a local bike shop, or a landscaping display from a local landscaper. continue reading »
Growing your loan portfolio requires detailed knowledge of target members.by: Harvey FosterLending has been reinvented over the past several years, as regulatory demands have substantially increased the expenses and operational requirements for doing business.As a result, the cost of originating mortgages has tripled over the past decade, according to the Mortgage Bankers Association’s Quarterly Performance Report.Despite additional requirements and oversight, there are still significant opportunities for credit unions right now. According to market data highlighted in a May 2015 report by Raddon Financial Group (part of Fiserv), there is an estimated $1.2 trillion market for mortgage originations this year—a 7.1% increase over 2014.This growth can be attributed to a positive outlook from consumers, which may also drive demand for an array of other loan types, such as home equity, auto, and business.In order to capitalize on the strong consumer demand, credit unions need to align their products to meet borrowers’ unique needs. Additionally, as consumers are increasingly embracing the “do-it-yourself” approach to financial services, credit unions must also have the technology in place to enable self-service options for loan shopping and applications. continue reading » 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr There’s an increasing trend among financial brand marketing teams I work with: They report feeling stressed and overwhelmed thanks to the continued rise and focus on digital growth.It’s an understandable reaction as marketing strategies have become exponentially more complex (some might say more confusing or even frustrating) thanks to digital.Through ongoing research, we’ve found the primary reason most financial marketers report feeling stressed and overwhelmed is because they are stuck “doing” marketing.Some are stuck doing marketing because they are “heads down” and so focused on the tactics of marketing they miss the opportunity to strategically plan for future growth. Others are stuck doing marketing because they are asked to do more with fewer resources.
With the COVID-19 pandemic keeping us all cooped up in our homes, it can get rough at times. You just want to get out and live your life like normal. Unfortunately, for right now, this is the new normal. The good news is, the social distancing will hopefully keep more people safe and shorten the life of this virus on a global scale. So for right now, you’re stuck at home. If you’re suffering from a little bit of cabin fever(we all are to some extent), here are five ways you can keep (or try to regain) your sanity…Take a hike: You can’t go to the mall or hang out with your friends, but it doesn’t mean you can’t get out and stretch your legs. Just make sure if you’re going on a hike or walk around your neighborhood that you keep your distance from friends and neighbors so you can keep each other safe and healthy.Work on your yard: Yardwork isn’t always fun, but the weather is starting to get a little warmer and it’s not a bad idea to get outside and get some fresh air. Plus, making improvements to your yard will have it ready for entertaining when it comes time to be social again. Plus, you’ll be able to stand on your front porch in your bathrobe with your coffee and admire your yard.Watch that show: We’ve all got that one show that we’ve been talking about watching for months, or years, even. Well you know what? The time is now. Just make sure you don’t binge the whole thing in a week. You might love it and then you’re going to be sad when there are no more new episodes to watch.FaceTime everyone: Okay so not everyone is FaceTime-able. That’s a new term I just invented. But for the people you can video chat with, it’ll be good for you and them to see a familiar face. If you’re in a more depressed state than usual, seeing and speaking with someone you care about is bound to lift your spirits.Read a book: I don’t always make time for reading, but when you don’t have a lot of things to do to fill your free time right now, it’s probably the perfect opportunity to pick up that story you’ve been wanting to explore and escape into another world. Don’t you remember how you feel when a book starts to really pull you in? It’s time to recapture that magic.Whatever you do to try and regain your sanity, just remember to stay safe out there, my friends. If you’ve got any other ideas for ditching the cabin fever, let us know down in the comments section. 80SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details
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“We try to be as budget-wise as possible to continue paying our mortgage, and we’re also delaying applying for a loan restructuring policy from the bank,” said Norma, whose family is based in Jakarta. “The last time I topped up GoPay and OVO before Eid was in March, which means I almost never took a ride or ordered food from online applications during quarantine.” Norma added that she would continue to spend smart, at least until there was a significant decline in cases or a vaccine became available.Consumer spending, which accounts for nearly 60 percent of Indonesia’s GDP, is expected to contract this year to the lowest level in decades, economists predict. Consumer confidence nosedived to at least a 12 year low, according to Bank Indonesia’s (BI) consumer confidence index (IKK) survey in April.Center of Reform on Economics (CORE) director Mohammad Faisal predicted that consumer spending would contract in the second quarter. Consumer spending growth slowed down markedly in the first quarter to 2.84 percent year-on-year (yoy), a far cry from the 5.01 percent growth over the same period last year. People are becoming increasingly cautious about spending as they prepare for the possibility that the pandemic will have a long-term impact on their finances. Many have opted to allocate more money for emergency funds.English teacher Norma Solikhah, 28, and her husband are one example. They decided to cancel their planned purchase of new furniture and have delayed plans for vacations to have more cash for emergency needs. They have cooked meals at home every day since the work-from-home policy began in March, and they have bought essential items online at lower prices.Read also: Investors turn to government bonds amid market uncertainty Read also: Ultra-rich to place more funds in banks amid liquidity crunch: EconomistsConsumer spending in the lower-middle-income segment of society is greatly depressed at present because millions of people have lost their jobs, Faisal said. Meanwhile, the middle to upper income segments have tended to delay nonessential purchases and investment because of the uncertain and volatile economic conditions, he added.Approximately 115 million Indonesians, or 45 percent of the country’s population, have yet to achieve economic security and the lifestyle of the middle class, according to a World Bank report titled Aspiring Indonesia – Expanding the Middle Class.“There is high uncertainty at this moment, and it makes people think they need to be careful in spending money. Instead of [spending] on investment and holidays, many people are saving more money for survival,” said Faisal.The latest consumer confidence survey by Nielsen Research also indicated that in the first quarter of 2020 Indonesian consumers had significantly reduced their spending on holidays from 42 percent in the previous quarter to 36 percent. Consumers also reduced investment in stocks and mutual funds to 34 percent, down from 46 percent in the fourth quarter of 2019.Ester Christine Natalia, 26, who lives in Tangerang with her husband, has decided to reallocate the funds the family usually used for investment in mutual funds for a cash emergency fund.“Because it is more liquid and safe,” said Ester. “In a crisis like this, cash will always be king.”Private sector employee Rizki Amalia, 26, has also opted to hold more cash in an emergency fund for her parents instead of spending it. Read also: Retail investors growing as brokerages intensify online access“Initially, I made a savings account for a holiday plan in 2021, but then I shifted the savings account to an emergency fund for my parents. In this situation, we will never know what the future will hold, so the increased emergency fund is the best decision,” said Rizki, who lives in Jakarta. Nielsen Research also found that 23 percent of respondents were concerned about health, up significantly from 14 percent in the fourth quarter of last year.“When the survey was conducted, COVID-19 had not affected Indonesian consumers’ optimism. Even though it was not yet announced as a pandemic by the WHO, it had already affected consumers’ concerns about health,” said Nielsen Connect Indonesia managing director Indrasend Patmawidjaja.Topics :
Heerema Marine Contractors has signed a contract with Jan de Nul, to install 21 jacket foundations (4 legged) for the Changhua project in Taiwan.The Changhua wind farm Phase 1 project is situated in Taiwanese waters and is a project of the Taiwan Power Company (TPC) and executed by a consortium of Jan de Nul and Hitachi.The installation will take place 8 km off the coast of Changhua county, at a water depth of 18 to 28 meters.The installation will be done by Heerema’s fast sailing heavy lift vessel ‘Aegir’.Koos-Jan van Brouwershaven, CEO of Heerema Marine Contractors said: “This is our first contract in Taiwan, thus another major milestone. This Changhua project re-emphasizes Heerema’s commitment to operate in wind projects all over the world and strengthen our position in the Asian offshore wind market.”Van Brouwershaven added: “The willingness to constantly seek cooperation between partners is what drives this team and Heerema as a company. With such a mindset we can jointly achieve anything.”For Heerema, the offshore phase of this project will start in March 2020 with planned completion in early June 2020.
Signed with an unnamed European shipowner, the contract also includes options. What is more, HMD announced on Monday, 20 July, a contract worth KRW 85.9 billion ($71.9 million) for two petrochemical product tankers. The ships are expected to be delivered by 30 September 2021, HMD said in a stock exchange filing. The 50,000-ton ships will feature a length of 183 metres and a width of 32.2 metres. The construction is expected to start in November 2020, Yonhap News Agency reported. On July 21, HMD said it inked a KRW 86.8 billion (around $72.6 million) deal with an undisclosed Asian shipowner for two petrochemical tankers. The contract also includes two options. Shipbuilder Hyundai Mipo Dockyard (HMD), part of Korea Shipbuilding & Offshore Engineering Co., has received orders for the construction of four petrochemical carriers. The units are slated for delivery by 30 November 2021, according to a stock exchange filing issued by HMD. They will have identical dimensions as the abovementioned ships. Korea Shipbuilding has so far this year secured orders to construct a total of 22 petrochemical carriers.