The 2013-14 class of senators met for their last student Senate meeting Wednesday night, during which they discussed the nondiscrimination clause within the student Constitution for nearly an hour and 15 minutes and passed two new resolutions.The debate concerning the nondiscrimination clause involved two major opposing views. One group, spearheaded largely by Judicial Council president and senior Michael Masi, pushed for a broad statement that would refrain from naming specific groups protected from discrimination.In Masi’s proposed alternative, the clause would acknowledge “the beauty and uniqueness of all God’s children, and therefore prohibits any discrimination within the Student Union.”Other senators supported altering the originally proposed amendment with a revision put forward by seniors Alex Coccia, student body president, and Juan Rangel, chief of staff.Coccia and Rangel’s proposed amendment stated, “This Constitution recognizes the God-granted dignity of all persons and their right to respect, justice and a welcoming environment, regardless of race, color, ethnicity, sex, gender, sexual orientation, gender identity, ability or disability, religion, socioeconomic status, documentation status and nationality. This Constitution forbids any acts of harmful and unjust discrimination within the Student Union.”Senior class president Carolina Wilson said many of her classmates reached out to her specifically asking her to vote in favor of a resolution containing specific groups that would be protected from discrimination. Wilson read from an email sent to her by a peer, which asked her to vote in favor of the revised amendment “to promote inclusivity on campus and to ensure members of the LGBTQ community are given a clear message that they are respected and valued.”Rangel said he and Coccia included documentation status in their version of the nondiscrimination amendment in direct response to interactions with undocumented students.“One of the reasons it was important for me to include documentation status in our nondiscrimination clause is because I’ve had a lot of conversations with undocumented students who have applied to Notre Dame, and quite a few have been accepted as part of our incoming class,” Rangel said. “But they have a fear that we are not an undocumented-friendly school.“I feel that if we don’t include them in our nondiscrimination clause, it will only hint that they are not a part of our student body yet, and it think to them it will be very meaningful.After a contentious debate, the resolution proposing amendment written by Coccia and Rangel passed.Sophomore senators Phil Krebs of Zahm House, Kyle McCaffery of O’Neill Hall and Rohan Andresen of Siegfried Hall presented a resolution “supporting enhanced communication among residence halls, residents and University administration.”Their proposed resolution addressed recent conflicts between students and the Office of Housing, particularly surrounding the transition of Zahm House’s five-man common rooms to common space.The Senate passed the resolution, which McCaffery stressed does not seek a reversal of the Office of Housing’s decision regarding the Zahm common rooms.Instead, the resolution requests that the Office of Housing “consult more closely those residential communities in which the administration is considering making changes in order to promote a greater understanding between the students and the administration.” It further requests that the “administration consider how to communicate changes in a more timely manner so that affected students can prepare appropriately.”“We all know how foundational the living experience is at Notre Dame, and we feel that with this experience in Zahm, there is a lack of understanding how deeply the students are affected by these changes,” McCaffery said.The Senate also passed a resolution presented by Fisher Hall senator and sophomore Michael Lindt calling on the Office of Student Affairs and the Office of the Provost for increased focus on and attention to the Faculty Fellows program. The program is an initiative within the Office of Student Affairs that seeks to have the University faculty become more involved with student life, particularly through the residence halls, to facilitate conversations and interactions.The senators voted on several different student and faculty awards and approved the assistant student treasurers as well as Irish Gardens manager.Tags: Faculty Fellows, inclusion, Office of Student Affairs, Office of the Provost, Senate
A One-Day Introduction to Performance ExcellenceExplore and Learn About:· Strategic Planning: Where do you need to be in 2 years? – 5 years? – 10 years? Are all of your organization’s activities working to get you there? Learn how to align decisions, improvement efforts and daily operations to attain the strategic results you require.· Leadership: Effective leaders set the course and climate for the organization and inspire others to “make it happen.” Find out how to transition from stressed-out, reactive managing to energizing, proactive leadership.· Developing the Organization: Learn how the challenges of current and emerging business trends can be addressed through enhancing agility, innovation and individual and team empowerment. Find out how process and data management also play an important role in the success of high-performance organizations.· Improving Business Results: How do you know if your business results are good enough? How do similar companies compare? Learn how high performing organizations use the Baldrige template for constantly improving financial, customer and human resource business results.· The Vermont Award and Recognition Path: Motivate your organization and receive the recognition it deserves. Award winners include: Waitsfield and Champlain Valley Telecom; Vermont Office of Child Support.Vermont Council for Quality 1 Main StreetWinooski, VT 05404Who Should AttendExecutives and senior leaders, quality team members, strategic decision makers and any Vermont organization participants who want to learn the foundations of performance excellence.FacilitatorsTim King, Partners in PerformanceMark Hunziker, The Baldrige NetworkWendy Steager, Vermont Council for QualityCostEarly Bird: $155.00 per person7 days or less prior to class: $175.00 per personVermont Manufacturers register for $100 through a partnership with the Vermont Training Program of the Department of Economic Development Materials and lunch will be provided. A 48-hour cancellation notice is required.One-Day Workshop DatesThurs., September 5Fri., December. 6The workshop time is scheduled for 9:00 a.m.-4:30 p.m.Please register me for “Raising the Bar: Thriving in the 21st Century”Select One: Thurs., Sept. 5Fri., Dec. 6Name: Title:Company/Organization:Address:Phone:Fax:E-Mail:Method of Payment:Check EnclosedCredit CardMC/VisaCredit Card #Exp. Date:Early Bird……$1557 days or less prior to class……$175 Manufacturers……$100Vermont Council for Quality One Main Street, Champlain Mill w Winooski, VT 05404Phone: (802) 655-1910 w Fax: (802) 655-1932Checks payable to Vermont Council for Quality must be included with this registration form.48 hr. cancellation notice required.
Oct 23, 2009 … No one anticipated that the capstone event of 2009’s Lake Champlain Quadricentennial would be the closing of the Champlain Bridge, though … Champlain Bridge closure declared transportation emergency, area … Governors break ground for new Champlain Bridge, ferry to keep… Jul 2, 2009… as a result of a bridge inspection completed earlier this year, repairs will be made to the Lake Champlain Bridge, also known as the … The New York office of Governor Mario Cuomo informed Vermont Governor Shumlin late Thursday afternoon that the ribbon cutting for the new Lake Champlain Bridge will be held on Monday, November 7, at 2:30 pm. New York State is the manager of the bridge construction, though both states share in the cost of its construction. The central arch of the new bridge is slowly raised into place on August 26, 2011.New York State Lieutenant Governor Robert Duffy and Vermont Governor Peter Shumlin will preside over the ribbon cutting of the new bridge. This project was completed in less than two years.Sue Minter, deputy secretary of the Vernmont Agency of Transportation, said the ceremony will take place on the New York side of the bridge. Jim Boni, the New York Department of Transportation project manager, said the bridge will be open for traffic following the ribbon cutting, “or shortly thereafter.”The old Champlain Bridge was demolished December 28, 2009, after strucutral problems with the concrete footings first appeared the previous summer. Bridge traffic was first reduced to one-lane before it was closed in October and further inspection led engineers to conclude that the bridge needed to be removed. Ferry service at the Chimney Point (West Addison, VT)/Crown Point, NY, crossing has been used as a substitute for commuters while the bridge has been out.Construction on the new bridge began June 11, 2010. The estimated cost for the entire project was put at $75 million in 2010. The Lake Champlain Bridge (LCB) construction contract (NYSDOT Contract D261458) was awarded to Flatiron Construction Corporation on May 27, 2010, for $69.6 million. The contract is being administered and managed by NYSDOT Region 1. The contract provides for the construction of the new LCB and approaches, as well as the removal of the waterside portions of the temporary ferry facilities in both States after the bridge is complete and open to traffic. The temporary ferry will remain open and free for travelers until the new LCB is open. Additionally, the landside portions of the temporary ferry facilities will be removed and the NYSDEC Campground, Crown Point Historic Site and the Chimney Point Historic Site properties will be restored to their original condition in 2012.RELATED ARTICLES: One-way traffic starts tomorrow on bridge from Vermont to New York … Dec 28, 2009 … With snow falling, the Lake Champlain Bridgeconnecting Addison, Vermont, with Crown Point, New York, was demolished in the blink of an … Arch for new Champlain Bridge lifted into placeFri Aug 26 2011Workers today began the process of transport and lifting into place the center arch span of the new Lake Champlain Bridge. A webcam showing the event (click HERE or see link below) offers still photos of the event. As of 2 pm Friday, August 26, the center arch was being positioned between the existing spans for installation. The first photo is of the final placement. Champlain Bridge demolished this morning | Vermont Business … Jun 11, 2010 … Vermont Governor Jim Douglas and New York State Governor David A. Paterson today broke ground on a new LakeChamplain Bridge …
With Election Day coming up on November 6th, and with Hurricane Sandy wreaking havoc on the East Coast, we should all have our great nation in mind this weekend. In preparation of doing your civic duty and voting for national and local representation, go one step further by supporting those that support us overseas. Races for veterans organizations not only raise funds for those who need it, they raise awareness of the struggles many of our military face, both abroad and at home. By participating, you are helping raise finances, but also morale, which in some cases can have an even bigger impact.This weekend, check your local listings for any race or event for which the proceeds go to support our military veterans. A Hero’s Run in Laird Penn, Virginia just outside of Harrisonburg, is a great place to start. Adventure racing is tailor made for the fall season. Erratic weather and leaf clogged woods make for epic trail conditions and add to a race’s unpredictable factor. This three-mile mud run is a completely non-profit event, with all the proceeds going to Heroes who represent the spirit of service, honor, and inspiration. Supporting our troops by getting dirty and pushing the limits at a fun run? Sounds great to us.View Larger Map
According to reports from American climbers Garrett Madison and Ben Jones provided to Outside Magazine, a world-famous rock formation known as the Hillary Step is no more.The 39-foot feature—which sits just 200 feet below the summit of the world’s tallest peak and was first used to summit the mountain by its namesake Sir Edmund Hillary and his guide Sir Tenzing Norgay—is believed to have been removed from its post by a violent earthquake that occurred in 2015.“The boulder formally know as the Hillary Step is gone,” Madison told Outside. “It’s pretty obvious that the boulder fell off and has been replaced by snow. You can see some of the rocks below it that were there before, but the gigantic boulder is missing now.”Rumors of wether or not the Hillary Step had been damaged or completely removed during the 2015 earthquake have been swirling since last year when Everest Mountaineer Tim Mosdale posted a photo to Twitter (shown above) with a caption claiming that the step was “no more.” But soon after Mosdale’s tweet, the Nepali government disputed his claim, telling CNN it was nothing more than a “false rumor.”The back and forth left mountaineers and Everest enthusiasts perplexed, but the recent eye witness accounts from Madison and Jones seem to have quelled much of the confusion and speculation within the community.According to Madison, the absence of the Hillary Step will actually grant mountaineers easier access to the 29,029-foot summit of Mount Everest.“Now, instead of the Hillary Step, you have some snow steps on a 45-degree angle,” Madison told Outside. “And it actually makes the climbing much easier because instead of ascending this pure vertical rock face, it’s just walking up some snow steps with a fixed line.”
In the course of conducting brand and strategic planning sessions for credit unions, many questions are asked. Often, these are the types of questions you might expect, such as “what words would you use to describe the credit union,” “how likely are you to refer a friend or family member to the credit union,” and “how long have you been a member.”However, to mix things up a bit and enliven the data pool for clients, we have recently taken to spicing up the question mix with a few curveballs. A recent addition (and a very enlightening one) goes something like this:“If the credit union was a car, what kind of car would it be and why? (Feel free to get as specific as possible, including year, make, model, color, etc.)”Answers prove, as mentioned above, both enlightening and entertaining. A few recent responses include:A 1990 white Ford Taurus (not flashy, but reliable and always there for you)A 1985 Dodge K-Car (ugly, slow then breaks down a lot)A newer model Cadillac Escalade (sexy, showy)A 2001 Ford F-150 (rugged, dependable, gets me where I’m going)My grandmother’s Buick (an old person’s car)A school bus (clunky, takes forever to turn, just hauling people across town)Some answers are downright funny. Others can sting (see “my grandmother’s Buick”). All, however, work by taking the mind of a member off the routine satisfaction surveys and allowing the members’ imagination to roam and play.Answers to a question like this are useful in that they disarm a member enough to generate what more sincere and authentic answers than typical survey questions. It also forces respondents to break outside the mold of simple yes or no answers.What can credit unions learn from answers such as these?If members perceive your credit union as ugly, old and slow — it’s probably time to make some pretty serious changes. Are they talking about your loan decision response times? Your home banking platform? Your lack of digital adaptation and innovations? Whatever the case may be, take this answer as an opportunity to improve upon your offerings.If members respond favorably, it can be reassuring. Keep in mind, however — the best work you do today is not good enough for tomorrow. A satisfied consumer now does not necessarily equal a satisfied consumer in the near-term future. Pat yourself on the back for a positive answer — then start the prep work now to get even better tomorrow.More pointed answers (such as “school bus”) are immediate red flags. Members describing your credit union in such a way probably feel an epic disconnect between the products, services and experiences they expect to feel and that which your credit union delivers. As the gap between expectations and delivery widens, your credit union runs the risk of losing members and dropping wallet share to the competition.Of course, it’s possible that a certain survey will catch a member on a particularly bad day. For example, if they were turned down for a loan (through no fault of the credit union) and answered unfavorably, this response could taint the pool. That’s why it’s important to gather as large a sample of answers as possible.Member satisfaction surveys are, increasingly, an antiquated tool of the distant past. In our age of hyper-competition, simply trying to keep a member happy is nowhere good enough. Credit unions must strive for members that are wowed every day by the experiences.Those studying credit unions, their members and the dynamics of the relationship between the two must learn to adapt their research techniques to generate more insightful and change-inducing answers. By asking members to draw an analogy between their credit union and a fictitious car, the research can return a much deeper and richer picture of who and what your credit union is to the members who rely on it every day. 24SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mark Arnold Mark Arnold is an acclaimed speaker, brand expert and strategic planner helping businesses such as credit unions and banks achieve their goals with strategic marketing insights and energized training. Mark … Web: www.markarnold.com Details
1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The President yesterday signaled he is in inclined to slam the door shut on even sensible reforms of the Dodd-Frank mandated mortgage reforms. It looks like we will have to wait for the next President to make legislative adjustments to mortgage reforms.HR 1210 introduced by Congressman Barr would extend Qualified Mortgage protections to any creditor who holds a mortgage in portfolio. Currently, QM protections are given to institutions with $2 billion or less in assets that originate 500 or fewer mortgages a year and hold the loans in portfolio for at least three years. The precise protections afforded QM loans will be determined by the courts but the basic idea is that if a creditor demonstrates that a loan is a QM loan, then it is protected against lawsuits.In his statement threatening to veto the bill, President Obama asserts that the bill would “undermine critical consumer protections by exempting all depository financial institutions, large and small, from QM standards.” True enough, institutions would, for example, be able to extend loans to borrowers without worrying about debt-to-income ratios. In other words, larger institutions would find it easier to make the type of loans that got us into this mess in the first place. continue reading »
Categories: Letters to the Editor, Opinion The backlash from writer Nancy Jo Sales’ visit to Ballston Spa High School [BSHS] recently seems like a never-ending finger-pointing debacle.From an outsider’s perspective, it appears a better show of respect and decorum should have occurred among all three sides involved — students, school officials and Ms. Sales herself. This wasn’t the case, and so here we are.Sales has written extensively about modern teen culture, studying American teenagers since the 1990s. So perhaps it’s safe to suggest she should know a thing or two in relating to them. With this incident at BSHS, this wasn’t Sales’ first trip to the rodeo. She has spoken at many schools before, including another one in the Capital District. From various reports, Sales’ demeanor toward the students at BSHS appeared more disciplinarian than supportive — especially when commotion ensued. That’s not going to win much respect with students. And as someone with as much experience reporting on and speaking with teenagers for over 20 years, she should know that.Additionally, if there’s a cyber-bullying problem at this school, Sales should have left that to the professionals at the school in addressing the issue. That’s not up to her to decide. Her training is in literature, with a MFA [Master in Fine Arts] in writing — not psychology, not education. Her job that day was to give a talk, to connect with students, and offer them peace of mind.Instead, the students were subjected to a patronizing tone by yet another adult, on a stage, talking down to them, brushing aside their voices. Teachers and administrators past and present know full well that technique rarely works in developing a good rapport with teenagers.Later, a good teacher will spin this unfortunate event into a positive learning tool for the students at BSHS. How will Sales spin this event? Robert O’BrienAshville, North Carolina The writer is a former area resident.More from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Beware of voter intimidationSchenectady, Saratoga casinos say reopening has gone well; revenue down 30%
Rumors about Kim’s health have been swirling since his conspicuous no-show at April 15 celebrations for the birthday of his grandfather, the North’s founder — the most important day in the country’s political calendar.Read also: North Korea’s Kim reappears after weeks of speculationHis absence triggered a series of fevered rumors and unconfirmed reports over his condition.Kim’s disappearance from public view came as Pyongyang’s talks with Washington over the North’s nuclear arsenal are at a standstill, despite three meetings between Kim and Trump. If Kim had been incapacitated or dead, it would have increased uncertainty over the process.Trump had downplayed reports of Kim’s poor health and possible demise.Topics : US President Donald Trump said Saturday he was “glad” about the reappearance of Kim Jong Un and that the North Korea leader is apparently healthy.”I, for one, am glad to see he is back, and well!” Trump tweeted, following Kim’s first public appearance in nearly three weeks after intense speculation that he was seriously ill or possibly dead.I, for one, am glad to see he is back, and well! https://t.co/mIWVeRMnOJ— Donald J. Trump (@realDonaldTrump) May 2, 2020North Korean state television showed Kim walking, smiling broadly and smoking a cigarette at what the North said was the opening of a fertilizer factory on Friday in Sunchon, north of Pyongyang.
The Indonesian banking industry will face tougher challenges throughout the rest of the year following the sector’s slumping performance in the first quarter as the impacts of COVID-19 continue to batter the economy, experts have said.Moody’s Investors Service financial institutions group analyst Tengfu Li wrote in a research note dated May 29 that the country’s banks would see their asset quality and profitability deteriorate due to the coronavirus, but their capital and liquidity would remain strong, providing ample buffers to absorb the financial stress.“Restructured loans in Indonesia have grown significantly since authorities relaxed rules for debt restructuring in March 2020 to provide financial relief for those impacted by the crisis,” Li said. NPLs slightly increased to 2.89 percent in April, two months after the government announced Indonesia’s first two cases of COVID-19 in early March, versus 2.77 percent at the end of the first quarter. Loan growth slowed to 5.73 percent year-on-year (yoy) in April from 7.95 percent recorded at the end of the first quarter.Banks’ profitability would also deteriorate materially because of increasing credit costs, as they continued to proactively identify weak borrowers and increased provisions for them, Li of Moody’s said. Meanwhile, interest margins would contract because of low interest rates and slowing loan growth, further pressuring profitability.“[The loan restructuring] could cause banks’ revenue to decline, thus affecting their profits,” Samuel Sekuritas equity analyst Suria Dharma told The Jakarta Post on Wednesday. “I even expect some big banks will even see contractions in their profit growth this year.”One of the country’s largest bank by asset value, state-owned Bank Rakyat Indonesia (BRI), saw its net profit contract 0.3 percent in the first three months of the year to Rp 8.17 trillion as its loan disbursement grew slower at 10.1 percent yoy compared to 18.6 percent yoy in the first quarter of 2019.Read also: Indonesian banks have sufficient liquidity despite loan restructuring, pandemic: Economists“We will definitely revise our bank business plan this year [given the situation],” finance director Haru Koesmahargyo said during a virtual press briefing on May 14.State-owned Bank Tabungan Negara (BTN), meanwhile, recorded a contraction of 36.79 percent in profit to Rp 457 billion in the first quarter, while its NPL ratio jumped to 4.91 percent from 2.92 percent.State-owned Bank Negara Indonesia (BNI) recorded a 4.3 percent growth in profit to Rp 4.25 trillion in the first three months of the year. Bank Mandiri has yet to announce its first quarter financial report.Bank Central Asia (BCA), the country’s biggest privately owned bank, also saw slowing growth in profit and loan disbursement in the first three months of the year.During the period, BCA recorded annual profit growth of 8.6 percent to Rp 6.58 trillion, slower than the 10.1 percent growth booked in the first quarter of last year. It also only recorded 12.3 percent yoy growth in loan disbursement, compared to 13.2 percent yoy growth a year before.Privately owned Bank OCBC NISP, too, endured a similar fate as its profit only grew 3 percent yoy to Rp 791 billion in the first quarter, much slower than the growth during the same period in 2019 of 14 percent annually.Despite booking higher growth in loan disbursement, publicly listed Bank Permata’s profit contracted by 99.5 percent yoy during the period to Rp 2 billion.As a result, investors dumped banking stocks. Finance stocks at the Indonesia Stock Exchange (IDX) have lost more than 24 percent of their value so far this year, the fourth-worst performer among all sectors, while the main gauge, the Jakarta Composite Index (JCI), shed 21.57 percent of its value during the period, data from the bourse show.Read also: Indonesia’s financial system at risk amid pandemic: KSSKAlthough this year’s economic conditions might not be favorable for banks, Suria said banking stocks were still attractive as the recent market rout had significantly lowered bank stocks’ valuation, making them inexpensive when compared to their business potentials.“This is a great time for mid-to-long term investors to buy the stocks while they are very cheap,” he said.Moody’s also offered a brighter view over the industry, saying Indonesian banks’ capitalization and liquidity would remain strong despite the challenges ahead.“A slowdown in capital consumption due to slowing loan growth coupled with rising loan-loss provisions will provide banks with ample buffers against potential losses caused by the coronavirus outbreak,” Li wrote. “And while this, along with subsidies for consumers and small businesses, will provide temporary relief for banks, nonperforming loans (NPLs) will still increase substantially in the longer term, given the scope of economic disruptions stemming from the coronavirus crisis.”Read also: Ultra-rich to place more funds in banks amid liquidity crunch: EconomistsThe coronavirus outbreak has disrupted economic activity as it forces offices, businesses and schools to shut down amid social restrictions implemented by the government to contain the disease. It has also affected people’s purchasing power as millions have lost their jobs.The Financial Services Authority (OJK) issued a regulation allowing businesses hit by the pandemic to apply for loan restructuring in an effort to minimize bad credit. The banking industry recorded Rp 517.2 trillion (US$36.5 billion) in loan restructuring from 5.33 million debtors as of May 26, OJK data show. Topics :