Twenty-one youth participated in the 2020 Georgia 4-H State Dairy Judging Contest on July 14. Sponsored by the Ina Hopkins-John W. Cook Memorial Fund, the Carole Williams-Georgia Dairy Youth Foundation and the Pam Krueger-Milk Check Off, the competition was held virtually this year due to the COVID-19 pandemic.“Though not an ideal way to view cattle, this tremendous group of young people took it all in stride,” said Jillian Bohlen, University of Georgia Cooperative Extension dairy specialist and professor of animal and dairy science at UGA. “Sorting through five classes of animals, each competitor worked diligently to find those that best fit the ideal for dairy cattle. Our senior competitors excelled in their justification of placings in reasons that were among the best, collectively, I have heard. I applaud each youth member that competed on their dedication to this program and their work in the contest. I would also like to thank Dr. Bill Graves, professor emeritus, for his assistance in officiating the contest.”The annual evaluation competition is a major event for the Georgia 4-H Livestock Program. Youth participating in the Dairy Judging Program acquire a better knowledge of dairy-related topics and learn to demonstrate their knowledge in a competitive environment. The contest also encourages youth to enhance their skills in decision-making, critical thinking, problem solving and social skills as a team member.In the virtual format, senior participants, from ninth through 12th grade, reviewed videos to place five classes of cows and heifers into specific classes and submitted two videos providing reasoning for their placings. Junior participants, grades four through eight, will reviewed five videos for placement.Each county may enter up to 20 senior and 20 non-senior participants. The youth competed individually for high individual and as a team through the combination of the top county individuals.All participants received an award pin for participation. A team plaque is presented to the top participating teams. The senior high individual and the winning senior team earned Georgia 4-H Master status.This year’s winners at the 2020 Georgia 4-H State Dairy Judging Contest include:Seniors:First place team: Emma Newberry, Lexi Pritchard and Neely McCommons — Oconee CountySecond place team: Michael Whitlock, Colton Swartz and Bella Fisk — Coweta CountySenior High Individual: Noel Pickel — Morgan CountyJuniors:First place team: Andrew Gardner, Maggie Harper and Landon Gardner — Morgan CountyJunior High Individual: Sarah Morgan Sapp — Burke CountyGeorgia 4-H empowers youth to become true leaders by developing necessary life skills, positive relationships and community awareness. As the largest youth leadership organization in the state, 4-H reaches more than 242,000 people annually through UGA Extension offices and 4-H facilities. For more information, visit georgia4h.org or contact your local Extension office by visiting?extension.uga.edu/county-offices.
Climate risk prompts judge to halt oil and gas drilling projects in Wyoming FacebookTwitterLinkedInEmailPrint分享The Guardian:In the first significant check on the Trump administration’s “energy-first” agenda, a US judge has temporarily halted hundreds of drilling projects for failing to take climate change into account.Drilling had been stalled on more than 300,000 acres of public land in Wyoming after it was ruled the Trump administration violated environmental laws by failing to consider greenhouse gas emissions. The federal judge has ordered the Bureau of Land Management (BLM), which manages US public lands and issues leases to the energy industry, to redo its analysis.The decision stems from an environmental lawsuit. WildEarth Guardians, Physicians for Social Responsibility, and the Western Environmental Law Center sued the BLM in 2016 for failing to calculate and limit the amount of greenhouse gas emissions from future oil and gas projects.The agency “did not adequately quantify the climate change impacts of oil and gas leasing”, said Rudolph Contreras, a US district judge in Washington DC, in a ruling late on Tuesday. He added that the agency “must consider the cumulative impact of GHG [greenhouse gas] emissions” generated by past, present and future BLM leases across the country.The decision is the first significant check on the climate impact of the Trump administration’s “energy-first” agenda that has opened up vast swaths of public land for mining and drilling. Environmental advocates are praising the move, with Jeremy Nichols, WildEarth Guardians’ Climate and Energy Program director, calling it a “triumph for our climate”.“This ruling says that the entire oil & gas drilling program is off the rails, and moving forward illegally,” said Nichols.More: US judge halts hundreds of drilling projects in groundbreaking climate change ruling
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 29-year-old Coram man was killed in a motorcycle crash in North Bellport on Friday afternoon.Suffolk County police said Dayquon Boykins was riding his motorcycle southbound in the northbound lanes of Station Road while passing other motorists when he crashed into a Honda Odyssey minivan that was making a left turn into a parking lot near the corner of north of Woodside Avenue at 4:18 p.m.The victim was ejected from the motorcycle and pronounced dead at the scene. The driver of the Honda and her 11-year-old daughter were taken to Brookhaven Memorial Hospital Medical Center in East Patchogue for treatment of minor injuries.Fifth Squad detectives impounded the vehicles and are continuing the investigation.
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Ron ShevlinWhat is it with banks’ and (in particular) credit unions’ obsessions with developing, or instilling, a sales culture?Every so often, I run across articles that purport to teach bank and credit union execs? how to create a sales culture in their organization. Interestingly, the articles always presume that the reasons why an FI should have a sales culture is understood and accepted.My take: You don’t need a sales culture. Why not?1) It will take more time and money than you have. Are you so delusional to believe that, after a few training sessions, your employees will magically become, not just good sales people, but sales-driven? Are you so delusional to believe that you can turn a 50-something year-old person into something he or she is not and doesn’t want to be?If you’re committed to instilling a sales culture in your organization, the process will take years as you will need–not might need, but will need–to replace much of your staff. You’re going to have to come to grips with the fact that Betty and Sally who have been with your organization for 30 years now (and who are known and loved by many of the members) are simply never going to adopt nor endorse a sales culture. continue reading ?
continue reading ? ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Walking into a credit union branch can be a gamble for members. Will it be crowded? Will the person working the teller line be able to handle a particular request? Will the time spent be worth it?Enter in-branch queuing and online appointment scheduling, which are eliminating one of the biggest pain points prevalent in the legacy branching experience: the unknown.Digital Federal Credit Union($9.0B, Marlborough, MA) implemented online appointment scheduling four years ago; and Michigan State University Federal Credit Union($4.5, East Lansing, MI) aims to launch in 2020. By partnering with third-party vendors that specialize in these technologies, credit unions are giving members the power to bank where they, when they want, and with whom they want.Here, leaders from Digital and MSUFCU discuss the in-branch capabilities of this new technology, member response, and lessons learned along the way.
Relations between the US and China, which are longstanding rivals and duelling economic powers, have sunk to their lowest level in decades.- Advertisement – – Advertisement –
When asked what he foresees past 2024, Putin deferred to the perspective of “people’s sentiments… what they want.””The primary source of power is the people,” he said. “It’s very important for me to feel and understand what people want.””A tsar is one who just sits there, looks down from above and says: ‘They will do as I order,’ while he just tries on a cap and looks at himself in the mirror,” Putin said.?“On the contrary, I work every day.”Topics : Russian President Vladimir Putin dismissed comparisons to a tsar on Thursday, arguing he “works every day” and listens to what people want.”Well, this is not true,” Putin said when asked about being described as a Russian imperial-era ruler.”Maybe someone else can be called a tsar. But in my case, I don’t reign, I work every day,” he told the state-run TASS news agency. The interview aired on Thursday as part of a series rolled out by TASS this month to mark 20 years since the 67-year-old Putin took the helm of Russian politics.?It was not clear when the segments were recorded, but the series began airing before Putin said this month that he wants an opportunity to run for president again, as part of his constitutional reforms.The reforms proposed in January include granting more power to parliament and strengthening the role of the State Council.?An amendment approved last week would allow Putin to run for another six years in the Kremlin in 2024 and again in 2030. The reforms will be subject to a public vote.
Its funding level dropped from 99.3% at year-end 2014 to 96.1% in 2015.However, the BVK took pains to emphasise that, compared with other Pensionskassen, it had very low administration costs, which “offsets some losses in times of bad returns”.The fund also argued that the ongoing low-interest-rate environment had justified its decision to radically adjust its technical parameters from 2017, a move criticised by unions and the media but unanimously supported by the trustee board.?The discount rate applied to active members’ assets will be cut from 3.25% to 2%, which automatically leads to a cut in conversion rates.From 2017, a man retiring at 65 will be subject to a conversion rate of 4.82% – applied to calculate a life-long pension from his assets – whereas currently a rate of 6.2% is applied.In its most recent press release, the BVK sought to dispel a number of rumours in the media regarding recent changes at the scheme.It said the median pension would decrease by 8% and not 17% as reported by some, and that these losses would be offset by higher contributions from employers and employees.It also announced that, in order to make its investments more sustainable, it joined forces with six other retirement providers last year?to found a new ESG association called SVVK-ASIR. BVK, the CHF30bn (€24.5bn) pension fund for the Swiss canton of Zurich, announced that it lost 0.7% on investments last year, although it still managed to outperform its benchmark thanks to the performance of its real estate holdings. The overall return for 2015 was worse than the 0% average calculated for Swiss pension funds by some consultancies but better than that of Publica, the federal public pension fund, which lost 2.5% over the same period. The BVK’s real estate portfolio currently makes up just over 20% of its total investments, nearly all of it being in Swiss direct holdings.The fund said it continued to aim for “broad diversification”, including commodity investments and emerging markets in their portfolio despite their both having “cost some return in 2015”.
PGGM Investments, KAS Bank, LGPS Advisory Board, Janus Capital, Legg Mason, Aviva Investors, Spence & Partners, International Accounting Standards BoardPGGM Investments – Michel Braber has been appointed risk manager at PGGM Investments, the €182bn asset manager for the healthcare pension fund PFZW. He joins from custodian KAS Bank, where he has been adviser for institutional risk management since 2011. He has also served as a member of the investment committee of the company’s pension fund.LGPS Advisory Board – Roger Phillips has been named chairman of the advisory board for local government pension schemes (LGPS) in England and Wales. Phillips, deputy to inaugural chair Joanne Segars, is a former leader of Herefordshire Council and has also chaired the Local Government Association’s pensions committee.Janus Capital – Chris Justice has been promoted to COO and head of Europe. He was previously based in Hong Kong as head of strategic initiatives for the APAC and EMEA regions. Prior to joining Janus in 2013, Justice was managing director at Quam in Hong Kong, where he led a team of research analysts and asset managers. Legg Mason – Rick Andrews has been appointed head of international marketing. He joins from Aviva Investors, where he was most recently a consultant, leading the reorganisation of the Global Business Development function.Spence & Partners – Simon Cohen has been appointed head of investment at the UK actuarial and consultancy firm. Cohen became a Fellow of the Institute and Faculty of Actuaries in 2000. He has worked for three major consultancies, holding senior roles in investment consulting and management positions.?International Accounting Standards Board (IASB) – Takatsugu Ochi has been appointed for a second three-year term, while Pat Finnegan is set to retire. Ochi has previously served as assistant general manager of the financial resources management group at Sumitomo Corporation and as a member of the IFRS Interpretations Committee. Finnegan was appointed to the board in July 2009, having previously served as director of the Financial Reporting Policy Group at the CFA Institute Centre for Financial Market Integrity, as well as a former managing director at Moody’s Corporate Finance Group.
Assuming the case is given the green light by the tribunal, all affected UK entities will be automatically included in the claim, paying no costs but participating in any damages awarded, unless they actively opt out. Michael O’HigginsO’Higgins told IPE: “We are confident we’ve got a strong case, especially given the EC ruling. But that only imposed fines on the banks. This case is about civil recovery for those institutions who have been affected.”He added that he was also filing the case to help enforce competition law.‘Worldwide importance’O’Higgins has employed law firm Scott+Scott Europe, whose US affiliate led a class action in the US against 15 banks for manipulating the FX market. This claim obtained more than?$2.3bn (€2.1bn) in settlements.David Scott, managing partner at Scott+Scott, told IPE: “This [UK] case has great importance for investors worldwide.”He added: “I expect that these collective action cases will continue to be brought. The goal of the statute [CRA] was to allow institutions with smaller claims to avoid legal costs, and people will take advantage.”The class includes all institutions that carried out relevant FX transactions in the European Economic Area with a relevant financial institution or on an electronic platform between 18 December 2007 and 31 January 2013.?Trades with all major market-making banks – not just the five fined – will be included, as the class representative believes the cartels had a wide effect on the market as a whole.UK-domiciled investors are automatically included in the class action, while non-UK domiciled entities may also be included as long as they are not US, Australian or Canadian domiciled – but they must opt in.?Three-way Banana Split and Essex Express Former chair of the UK’s Pensions Regulator Michael O’Higgins has filed a lawsuit against five banks on behalf of institutions damaged by the unlawful rigging of foreign exchange markets between 2007 and 2013.The banks are Barclays, Citibank, Royal Bank of Scotland (RBS), JPMorgan and UBS. The companies were fined more than €1bn by the European Commission (EC) in May?for violating EU competition law by exchanging commercially sensitive information and trading plans for foreign exchange deals, and co-ordinating their trading strategies via two cartels.The claim is being brought through the UK’s Competition Appeal Tribunal under the Consumer Rights Act 2015 (CRA), which made it possible to initiate “opt-out” class actions for breaches of competition law.It has been brought by Michael O’Higgins FX Class Representative Limited, a company set up by O’Higgins specifically to file the lawsuit, and is financed by third-party litigation funder Therium Capital Management. The ‘Three-way Banana Split’ and ‘Essex Express’ cartels involved 11 currenciesThe manipulation, carried out in London by individual traders, covered 11 currencies including sterling, euro, US dollar and Japanese yen.The two cartels – dubbed ‘Three-way Banana Split’ and ‘Essex Express’ – each operated through professional chat rooms with similarly flippant names such as “Semi grumpy old men”.?Most of the traders knew each other personally, according to the EC’s documents – for example, Essex Express members generally lived in Essex in south-east England and met on the train to London.The banks have now been fined more than $8.5bn by 11 regulators globally.The CRA was introduced in 2015 to make it easier for victims of fraud to pursue legal action.RBS was found guilty of misleading investors about its financial strength when they subscribed to a rights issue in 2008, shortly before the bank had to be bailed out by the UK government. The settlement was worth roughly ￡200m, but those wishing to participate in the lawsuit had to opt in and pay legal costs out of their damages.O’Higgins, who is currently chair of the Local Pensions Partnership, told IPE: “That put a lot of people off, and the law was changed to make it easier to bring a case. These cases will become more common in the UK.”?So far, a handful of similar lawsuits have been brought under the new law, but none have reached a conclusion. This is the first such case in the foreign exchange sector.?More information is available here.