What is one of the best ways for a trail runner to give back? Well after running thousands of miles over mostly well groomed trails, I feel that trail maintenance is the best way. Recently I have been putting some muscle and sweat out on the trail in a much different way. I’m helping to clear the path for other users where I have so greedily and shamefully been spoiled for years with my own trail running and hiking.Just before the epic Shut In trail race last year I was asked by a volunteer with the Carolina Mountain Club to help him clear a section of the course. The section needing the attention was the most famous (steepest) section on the Shut In course along the Mountains to Sea Trail. This section of the trail rises precipitously from Elk Pasture Gap up to the Mt. Pisgah parking lot. This section also has a ton of briars and weedy sections. I’ve run this race seven times and never once thought or thanked anybody for clearing the path to the finish line. I didn’t think much of it or assumed some trail fairies descended during the night and sprinkled some magic dust to clear the path for me.I was actually excited to volunteer especially on a section I have run, jogged, hiked and even crawled up to the finish line at the Mt. Pisgah parking lot. After my initiation of 6 hours of weed eating and small tree removal last Fall I was truly hooked and felt good about my efforts. I decided shortly afterwards to volunteer for the CMC full time and was actually awarded this same 2.1 mile section.The Carolina Mountain Club is an organization that has many wonderful trail volunteers and they do an outstanding job maintaining the Mountains to Sea Trail, Appalachian Trail and many other trails in the Pisgah and Appalachian Districts here in WNC. There are several “section leaders” overseeing the trail maintenance with the CMC. Les Love is the section leader for my particular section and his enthusiasm and dedication to trail work is quite obvious. He makes sure all of us are on task and getting the tools needed to maintain the trail. The Carolina Mountain Club does more than just maintain our fragile trail systems. They have many scheduled group hikes for their members and non-members are welcome as well. Their website is choked full of helpful information so I urge you to check it out. 1 2
When building a brand experience, we consider what our members and staff will see, hear and feel: Will the architecture, interior design and tactile comfort of the surroundings make our members feel welcome and at ease, open to engagement and likely to return? Rarely do we discuss adding a designed fragrance to the member experience.Why is scent powerful? “Smell was our first sense. It is even possible that being able to smell was the stimulus that took a primitive fish and turned a small lump of olfactory tissue on its nerve cord into a brain. We think because we smelled,” says scientist Lyall Watson in his book Jacobson’s Organ and the Remarkable Nature of Smell. Researchers from Rockefeller University tested people’s sense of smell by using different mixtures of odor molecules. The results, published in the Journal Science, showed that the nose can smell at least a trillion distinct scents.When designing a new prototype branch, credit unions often shy away from fragrance because the issue of scent seems so personal, complex and perhaps dangerous. Smell is visceral and adding a scent to a credit union’s environment could trigger a negative reaction. Specific smells can generate strong memories, built over a lifetime of experiences. They can be odd—such as my strong positive reaction when smelling creosote and seaweed, because it reminds me of spending summers on the beach on Puget Sound—or more generic, such as the smell of fresh bread, blackberries in August and evergreens during Christmas.Retailers have used fragrances to enhance their retail store experience for many years, and consumers can enjoy a natural aroma such as coffee at Starbucks, bread at a bakery or flowers at the florist’s. But are these appropriate fragrances for a credit union branch or headquarters? What should your brand smell like? continue reading » 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Mastercard has announced that it is piloting a real-time payments program for businesses, and it plans to start in the wine and spirits distribution industry.The card network announced that it is working with PNC Bank, The Clearing House and enterprise resource planning provider Rutherford & Associates on the project, which will allow businesses to pay suppliers in real time when they receive goods or services.The company said it planned to offer the service, called Payment on Delivery, in industries with complex distribution networks and supply chains.“Payment on Delivery is part of the Mastercard Track portfolio of business applications, which taps into real-time payment messaging capabilities so that the suppliers’ bank can push a ‘request-for-payment’ directly to the business, and the business can pay immediately — on delivery — with instant reconciliation on the backend,” the company said in an announcement.
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The home at 95 Arafura St, Upper Mount Gravatt, sold under the hammer for $1,204,600.HIDDEN in a lesser-known pocket of Upper Mount Gravatt is this home that sold under the hammer for $1,204,600.LJ Hooker Sunnybank Hills lead agent Kosma Comino said more than 50 groups inspected the 95 Arafura St home over four weeks, with four registered bidders at the auction.“The auction started strong right away and got competitive towards the end between two bidders,” Mr Comino said. More from newsDigital inspection tool proves a property boon for REA website3 Apr 2020The Camira homestead where kids roamed free28 May 2019Inside 95 Arafura St, Upper Mount GravattThe new owners were a family who liked the privacy of the home and its amenities, with a tennis court and pool at the residence.“It is a battle-axe property, so it’s private but it’s still close to the shops and the motorway,” Mr Comino said. The kitchen backs onto an alfresco dining area.The agent said the market in Upper Mount Gravatt was beginning to soften, although homes such as this one were still performing strongly.“The market has started to adjust and soften, but certain properties that have it all, with big outdoor areas and are close to shops and schools are still going crazy,” Mr Comino said.“General stock, homes that need renovating or a bit of work, is starting to slow down.”Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 3:17Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -3:17 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels576p576p480p480p256p256p228p228pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenMichelle Hele’s May market wrap03:17
Denmark’s largest pension funds, ATP, PFA and 24 other institutional investors, have filed a witness summons as part of their legal action against collapsed shipping fuel company OW Bunker, whose bankruptcy in late 2014 jointly cost them DKK769m (€103.3m) in investment losses.In a statement, ATP and PFA said a consortium consisting of 26 Danish institutional investors filed the summons in the Copenhagen City Court regarding OW Bunker.Tomas Krüger Andersen, general counsel for the pension fund’s division ATP Pensions & Investments, said: “Although it will take years before we get a clarification, ATP has a duty to our members to seek to recover the losses we have suffered from OW Bunkers bankruptcy.”“As an investor we also have a clear interest in establishing liability in this extraordinary case,” he said. The investor group had suffered losses of DKK769m by investing in shares of OW Bunker on the basis of a prospectus that was, ATP and PFA said, “deficient on essential points in the form of incomplete, erroneous, misleading and omitted and concealed information.”Krüger Andersen told IPE: “The background for our lawsuit is in reality that the picture they were painting to us turned out not the be the real picture, and that is disappointing.”In their statement, ATP and PFA said the most crucial information that was missing in the main prospectus issued ahead of OW Bunker’s IPO in March 2014 concerned oil-price speculation and trading with one very large customer via the Singapore company Dynamic Oil Trading.The claim is against OW Bunker in bankruptcy, the private equity fund Altor as well as the board and the daily management of OW Bunker, the Danish pension funds said.“The action can be expanded to include additional parties, and it has not yet been decided whether additional cases will be brought,” ATP and PFA said.The investors said in their statement they did not have all the information and documentation on certain events leading up to the IPO.The consortium said it would also try to agree “suspension pacts” with the issuing banks and accountants, to ensure that any possible claim would not lapse due to statutes of limitations.Krüger Andersen said ATP believes the banks involved in the case would agree to this.ATP declined to name the banks involved, but, in the March 2014 prospectus, Carnegie and Morgan Stanley were listed as joint global coordinators of the IPO, Carnegie, Morgan Stanley and Nordea as joint bookrunners and ABG Sundal Collier as co-lead manager.Deloitte is listed as auditor.Asked why the consortium of investors was not at this point taking legal action in court against the banks, Krüger Andersen said: “We are looking at the information we have at hand and so feel it is appropriate to go after the company, its board and its management and the private equity fund Altor.”Even though the lawsuit’s current aim is at individuals and one private equity fund, he said ATP does believe it will be able to get compensation.“We know there is insurance coverage, but we don’t know the details of that,” he said.Rasmus Bessing, president and COO at PFA Asset Management, said: “It is extremely important we get this unfortunate situation fully elucidated and place the responsibility for the events around OW Bunker’s IPO and bankruptcy.”This had to be done, not least in order to restore trust in the Danish stock market, he said.“At the same time, we owe it to our customers to get the best possible compensation for their losses,” he said.Other pension funds and providers involved in the consortium of 26 are SEB, Lærernes Pension, Topdanmark, PensionDanmark, Unipension, DIP, JØP, AP Pension, Sampension and PenSam.Law firm Bruun & Hjejle is representing the investors in the cases, supported by lawyers Accura and auditors KPMG.ATP and PFA said in June last year they were part of an investor group planning to sue OW Bunker.ATP has said it invested around DKK150m in OW Bunker, while Industriens Pension, DIP and JØP have said their exposure to the collapsed company was DKK15m, DKK16m and DKK9m, respectively.
Finland’s financial supervisory authority (Finanssivalvonta, FIN-FSA) has called for immediate solvency updates from the country’s workplace pensions institutions because it judged there had been a major change in risks.Occupational pension providers must submit reports including a summary of the risk and solvency assessment and the conclusions drawn from this, the watchdog said.In a statement, FIN-FSA said: “According to the regulations on occupational pension institutions, the risk and solvency assessment must be updated regularly and without delay, if the risks have changed significantly.”The regulator said it had collected information from occupational pension institutions more often than usual during the spring. It revealed that the average solvency ratio of occupational pension insurance companies, pension foundations, pension funds conducting statutory operations and the Seamen’s Pension Fund was 123% at the end of April was with a solvency position of 1.6. In making the assessments, FIN-FSA said the institutions should not assume the measures to temporarily strengthen the pension institutions’ solvency – which is currently being prepared by the Ministry of Social Affairs and Health – will be implemented.Industriens Pension invests over DKK100m in new Aarhus neighbourhoodDenmark’s pension fund for industrial-sector workers, Industriens Pension, announced an investment of more than DKK100m (€13.4m) in a housing project in the new Skejbyen neighbourhood in Denmark’s second-largest city Aarhus.The DKK174bn fund said it will take ownership of 159 homes in the development in early June, when all the units would be let and occupied. Demand for the project’s affordable housing was high, it said.Jan Østergaard, Industriens Pension head of unlisted investments, said: “We are pleased to be part of this development, and we would like to continue to expand our presence in the city.”The development in the city’s northern district of Vejlby has been built by Danish developer A. Enggaard in conjunction with pension fund firm PKA, and consists of 850 homes in total, according to Industriens Pension.Folksam invests SEK1.5bn in City of Stockholm bondSwedish pension and insurance group Folksam said it has invested SEK1.5bn (€142m) in a new bond issue from the City of Stockholm.The firm said the five-year bonds would form part of its strategy to invest in sustainable development.Michael Kjeller, Folksam Group deputy chief executive officer and head of asset management and sustainability, said: “I am happy that we can invest our customers’ money to finance Stockholm’s development.”Although not labelled a green bond, Folksam said all investments the city made were in line with its environment and climate policy.The bonds would finance the capital’s ongoing work constructing a new wastewater treatment plant with higher environmental standards, it said, adding that Stockholm was also working to continuously improve energy efficiency in homes and schools.The investment is split across the Folksam group, with the municipal pension fund subsidiary KPA Pension investing SEK650m, Folksam’s life and pensions business taking SEK650m of the issue and its general insurance unit investing SEK200m.To read the digital edition of IPE’s latest magazine click here.
32 Views 4 comments Share Share NewsSports Upper Village Hoosiers defeats Laudat Spartans in Roseau Valley Basketball League by: – April 5, 2012 Tweet Share On Wednesday 4th, the Upper Village Hoosiers defeated the Laudat Spartans by a final score of 98-96 points. When these two teams had meet earlier in the season, the Spartans got the better of the Hoosiers by 9 points, but this time around, it was a different story. The Spartans began the game in their usual quick, up tempo fashion, and by the start of the second quarter, it looked like the Hoosiers were in for a long night, as they looked to be getting blown out. The lead was 15 points at that time. Again, like it has always been, the load was carried on the backs of twin brothers, Jamal & Jervon Serrant, who contributed 66 of the Spartans 96 points, and getting efficient help from big man, Shaun Reid, who displayed both his offensive & defensive attributes. The gigantic 3, of Reid & the twin brothers was certainly a force to be reckoned with, as they controlled the game. The Hoosiers, who most teams continue to underestimate, certainly showed their worth on a night when they were without a top player, Ramal Carbon. Being in a hole, down 15 points, the Hoosiers worked as a team and play some crippling defence on the twin brothers, to shut down the offence. The lead was down to 4 points at the end of the half. By the 3rd quarter the Hoosiers had taken the lead, and lead by as much as 9 points. The game continued to be tense, as both teams worked hard. There were numerous lead changes in the fourth quarter, but in the end, the Hoosiers closed off the game.The was also a bit of controversy in the dying minutes, as players from the Spartans argued that the clock had not stopped after a basket was scored, which they felt, had a small impact on the game, but not enough to have cost them this loss. The Hoosiers are now 6-2 from their 8 games, and have secured 1st place, and the Spartans are 3-4 from 7 games. The top performers for Hoosiers were; Royce Caesar – 33 pts, 4 reb, 4 asts, Joseph “Boone” Jno. Baptiste – 28 pts, 7 reb, 6 asts, Curtist Joseph – 16 pts, 5 reb and Edgar George – 12 pts, 2 reb, 4 stls.Top performers for Spartans were; Jamal Serrant – 45 pts, 6 reb, 6 asts, Jervon Serrant – 21 pts, 5 reb, 10 asts and Shaun Reid – 16 pts, 12 reb.Next games will take place on Thursday 5th April between the Lily Valley Sharks vs. Elvis Welding Services Road Stars at 7:30 p.m and on Saturday 6th April between the R.C Bullets vs. Fond Canie Upsetter – 6:30 p.m followed by Morne Prosper Long Horns vs. Fond Canie Rebels at 8:30 p.m.By: Edgar George Sharing is caring!
Read Also: Pogba dances, trains alone in Dubai as United teammates head to Spain “Then I came to the Premier League, to England, learned English and a different culture. “I am a better person today, with more knowledge and I had a great experience in the Premier League. “Football was born here in England. But La Liga is amazing football, with amazing coaches. “Of course, as a coach, you try to be in the best place. And England and Spain are the two best leagues in the world.” FacebookTwitterWhatsAppEmail分享 Mauricio Pochettino is reportedly hopeful of being Manchester United manager next season. The Mirror claim that the former Spurs boss is still hovering on the Red Devils radar but the club will only sack Ole Gunnar Solskjaer if they finish outside the top six. Former Tottenham boss Mauricio Pochettino has continued to be linked with Manchester United The report adds that Pochettino, who has been out of work since he was sacked by Daniel Levy in November, has told friends he wants to resume his career in the summer. The 47-year-old is prepared to be patient as he lines up his next move but is understood to be excited by the prospect of taking over the United dugout. Pochettino has long been admired at Old Trafford, with fans even calling for the board to hire him following a humiliating 3-1 loss to neighbours Manchester City last month. Red Devils chiefs so far seem adamant that they will be sticking with Solskjaer, despite the club having their worst start to a season in over 30 years. But that situation could change if the Norwegian fails to secure a top-four finish, with United currently seventh in the Premier League. Some of the club’s major sponsors, including Adidas and Chevrolet, are believed to have Champions League clauses in their contracts. And that will mean United facing a massive financial blow should they go a second successive season without top-level European football. Pochettino meanwhile has been re-charging his batteries in Spain and his native Argentina since leaving Tottenham. And the former defender, who has also been linked with taking over at Barcelona and Atletico Madrid, has already teased a return to England. Speaking at the launch of LaLiga TV, he said: “Now I am watching a lot of football and spending time with my family. “I was lucky to start my career as a manager with Espanyol. Loading…