This Saturday, The Avett Brothers will pair with Warren Haynes for a unique undertaking, paying a wholehearted tribute to the late great Jerry Garcia this Saturday, October 15th. Garcia’s legacy is felt very strongly today, as musicians like Haynes and the Avetts descend from the traditions that were put forth by the Grateful Dead for their thirty-year career.The exciting “This Is 30” concert will see Haynes and the Avett Brothers recreate a full Jerry Garcia Band performance, capturing a thirty-year old show from October of 1986. Though the specific show isn’t specified, a handful of songs to be played were shared in a press release, including “Mission in the Rain,” “Reuben And Cerise,” “Run For The Roses” and “Tangled Up In Blue.”The Avett Brothers talk about the role that Garcia played in shaping their own music in an exciting video below. Tune in and enjoy.Dear Jerry 2: This Is 30! is set for this Saturday, October 15th at the Eaglebank Arena in Fairfax, VA. For tickets and more information, you can head here.
Higher ed leaders back Harvard-MIT fight against ICE rules Related First-years and students who must be on campus to progress academically are invited to be in residence Supreme Court decision shielding DACA draws relief, celebration Faculty of Arts and Sciences will bring up to 40% of undergraduates to campus this fall Guidelines would force international students to attend in-person classes amid pandemic or risk deportation, visa denial The Daily Gazette Sign up for daily emails to get the latest Harvard news. Harvard president, recipients, and professors hope it will lead to more comprehensive immigration reform Facing widespread opposition led by Harvard and Massachusetts Institute of Technology, the federal government on Tuesday abruptly dropped its plans to deport or deny entry to international students at U.S. colleges and universities offering virtual instruction only this fall.The announcement came during a brief hearing at Boston’s federal courthouse over a lawsuit the two schools filed last week to block the order, a move that drew support from colleges and universities, state and local governments, and the nation’s leading technology companies.“The directive had disrupted all of American higher education. I have heard from countless international students who said that the July 6 directive had put them at serious risk. These students — our students — can now rest easier and focus on their education, which is all they ever wanted to do,” Harvard President Larry Bacow wrote in an email to the University community. “While the government may attempt to issue a new directive, our legal arguments remain strong and the Court has retained jurisdiction, which would allow us to seek judicial relief immediately to protect our international students should the government again act unlawfully.”Federal Judge Allison D. Burroughs confirmed that both parties had agreed to the decision by the U.S. Immigration and Customs Enforcement (ICE) to rescind its proposal, disclosed a little more than a week ago, and continue the March guideline allowing these students to remain in the country and study remotely.The ICE policy shift would have required international students to take at least one class in person. Officials at Harvard, MIT, and other institutions of higher education said that with the school year only weeks away, the policy could have thrown into disarray the complex plans they had developed to ensure the health and safety of students, faculty, staff, and surrounding communities amid the continuing pandemic.The government has long limited the number of online courses international students can take and remain in residence in the U.S. But after the pandemic, ICE had loosened those restrictions. The colleges and universities said that the problem wasn’t simply the restoration of curbs but the suddenness of the change, especially at a time when COVID-19 cases are surging in much of the country.More than 200 public and private institutions of higher education — including all seven other members of the Ivy League — had either filed briefs supporting Harvard and MIT’s effort, or their own lawsuits, including one by the University of California system and another by a group of 19 schools in the West that included Stanford University.Twenty-six cities, towns, and counties from across the country — from Boston, Cambridge, and New York in the East to Las Cruces, N.M., and Los Angeles in the West — wrote in a brief filed June 13 that, if implemented, the decision would have a “direct and deep impact” on their communities.The U.S. Chamber of Commerce filed supporting documents on behalf of tech companies, including Google, Microsoft, Facebook, Twitter, Spotify, and Salesforce.Last week, California became the first state to file suit to block the action. Massachusetts Attorney General Maura Healey, whose office is spearheading a legal action joined by her counterparts in 16 other states and the District of Columbia, called the ICE rule “senseless.”“Massachusetts is home to thousands of international students who make invaluable contributions to our educational institutions, communities, and economy,” Healey said in a statement on Monday announcing the suit. “We are taking this action today to make sure they can continue to live and learn in this country.”The court filings outlined the toll the ICE directive would take on students, higher education, and the U.S. economy.“This ICE policy will have far-reaching detrimental effects on our students and communities,” said Nathan O. Hatch, the president of Wake Forest University, in a statement that accompanied an amicus brief representing 180 institutions of education filed Friday by the industry group the Presidents’ Alliance on Higher Education and Immigration. “We stand with our students, who greatly enrich our campuses, and we will fight for their opportunity to pursue their education with us,” said Hatch, whose school will conduct online as well as in-person courses this fall.A group of student government leaders from 16 colleges and universities argued that the policy would renege on the promise of America that attracts talented students to the U.S.In its July 8 filing, Harvard and MIT said ICE’s surprise announcement was reckless and put the lives of countless students, faculty, and staff at risk. Both institutions said the federal proposal also failed to consider their months spent planning for the 2020‒2021 academic year in accordance with ICE’s March 9 guidance, which was “effective for the duration of the emergency,” and which allowed international students’ visas to remain active even if the pandemic forced them to take classes online. Harvard and MIT recently announced their plans to continue using online instruction this fall, with MIT planning some in-person classes.Several students also filed statements in support of Harvard on Monday but did so anonymously, citing fears they could face “retaliation by immigration authorities or harm in my home country or elsewhere.”One rising Harvard sophomore was recently forced to stay in Belarus and forfeit his expensive return airline ticket to the U.S. when airport officials told him “F-1 visa holders are not included in the list of approved travelers.” Later, he was told by a consular official he would need a letter from Harvard stating he would be attending classes in person in order to return to the U.S. With Minsk seven time zones ahead of Cambridge, taking classes online from Belarus, he said, would be “very difficult.”An unidentified MIT engineering graduate student who is collaborating with NASA said their research would come to halt they were forced to return to their home country.“Lebanon is currently experiencing an extreme economic crisis and famine. I would not be able to access the basic tools to complete my work online, including electricity and reliable internet. Returning to Lebanon would halt my progress on my graduate studies and would negatively impact the team that I work with. NASA is counting on our work, and it would be very disruptive if I could not continue this fall,” they wrote.Additionally, the student expressed fear for their safety amid the ongoing crisis in Lebanon, and worried about the “risk of COVID-19 infection to my parents if I come into contact with them after a long international flight.”“Higher education in the United States seeks and attracts the best and the brightest students from around the world,” Bacow wrote. “They strengthen our universities immeasurably, and we aim to provide them with the best education possible — in a virtuous cycle that benefits all of us.”
With sports practice, after-school activities and errands, families often struggle to find time for home-cooked meals. But being on the go doesn’t have to mean fast food is on the menu. To plan healthy, well-balanced meals and snacks on a tight schedule, Connie Crawley, a University of Georgia Extension nutrition and health specialist, says use MyPlate, the nutrition guide published by the United States Department of Agriculture, as a guide. Meal planning and health tips can be found online at ChooseMyPlate.gov. With a little forethought, food on a busy day can be a lot healthier than the fare offered at the local drive-thru. “Most snacks can be stored in a cooler or bought away from home if carefully planned … If you plan to eat out, go online to find the better choices before you leave home,” Crawley said. When parents make the choice to purchase fast food, it is important to look up options that are lower in fat and calories. “Decide what will be ordered before you go in,” Crawley said. “It might be best if one parent orders for everyone so changes to less healthy foods will not happen.” About 17 percent of fast food menu items can be considered “healthy choices,” according to fastfoodmarketing.org. On kid’s menus, approximately 12 of the 3,039 possible meal combinations meet nutritional criteria for preschoolers, and 15 combinations meet the criteria for older children. To combat occasional unhealthy eating, Crawley recommends balancing everything out with healthier at-home meals. “Unfortunately low sodium foods are rare in fast food or any restaurant,” Crawley said. “That means preparing and eating lower sodium foods at home and at school to make the overall intake of sodium less.” Snacks should be kept healthy too. When it’s time for baseball practice or dance lessons, children should have water before and after, and snacks should be kept light. “Nothing too elaborate or heavy,” Crawley said. These options can include fruit, nuts, whole grain cereal and other healthy foods. “If the child or teen is really doing a heavy workout for over an hour with a lot of sweat, this is the one time a sports drink may be useful,” Crawley said. If a child is not going to be this active, sports drinks should be avoided, and, as a general rule, energy drinks should be avoided all together. To stay healthy on the go, it’s important to remain aware of the nutritional value of different foods. Otherwise, options may be misleading. “You cannot always assume a chicken sandwich or a salad is the best choice. Fortunately, larger chains will soon be required to list their calorie and fat content on the overhead menus,” Crawley said. “The info. is not always too legible, but it will be there. Maybe that will help some families make better choices.”To help on-the-go families, UGA Extension provides a few tips for healthy snacks and meals. Simple snacksSimple snacks can include fruit (plain, dried or paired with sorbet or cottage cheese), yogurt, whole grain cereal, 100 percent frozen fruit bars, nuts for older children, trail mix — made with whole grain cereal, nuts and dried fruit —, homemade fruit breads and muffins (such as banana bread or carrot muffins), low-fat cheese with wholegrain bread or hummus and whole grain pita. Planned snacksA few snacks that can be made at home, then stored in a cooler or otherwise retained away from home include peanut butter sandwiches, salads with light dressing, milk in small boxes, hard-boiled eggs, single servings of cottage cheese, cut-up vegetables with light dip made with plain yogurt and homemade soups in thermos bottles. Before and after practice snacksCut-up fruit and/or vegetables, yogurt, milk, half a sandwich made with real turkey (not lunch meat) or low-fat cheese or whole-grain crackers and low-fat cheese make good snacks for active kids. For more information on health related topics, contact your local UGA Extension office at 1-800-ASK-UGA1.
The fourth annual Kelly Brush Century Ride was the Kelly Brush Foundation s most successful to date both in the number of participants and the amount of donations. A total of 495 riders took part in the event held in Middlebury, Vt. on Saturday, Sept. 12, raising $199,000 for ski racing safety and adaptive sports. The number of riders was up 35 percent, while fundraising was up 47 percent over last year. This level of support from riders and our sponsors is tremendous, said Charlie Brush, Kelly Brush Foundation president. The Kelly Brush Century Ride continues to grow each year, allowing the foundation to expand efforts to improve ski racing safety and better the lives of those living with spinal cord injury.This year s ride included Team Ride-On, 13 adaptive athletes riding hand cycles lead by Patrick Standen, president of the board of the Northeast Disabled Athletic Association. The team included Sarah Will of Edwards, Colo. and Chris Waddell of Park City, Utah. Both mono skiers are the most decorated Paralympians in their disciplines. Team Ride-On raised $15,470, which means three handcycles, or similar adaptive sports gear, will be donated in the team s name to athletes with spinal cord injuries. In total 17 handcyclists participated in the event. All of us on Team Ride-On welcomed the opportunity to give others with SCI the ability to get adaptive sports equipment. Many of the members of our team purchased the hand cycles they used in the ride with help from Kelly Brush Foundation grants and we re happy to pay it forward, Standen said.The 100-mile Kelly Brush Century Ride benefits spinal cord injury prevention and awareness and funds grants for adaptive sports equipment for those with SCI. The ride also supports the foundation s grants for improving ski racing safety. For every $5,000 raised by an individual or team taking part in the Kelly Brush Century Ride the foundation donates a hand cycle or other adaptive sports equipment on behalf of the team or individual.The Kelly Brush Foundation, founded by Middlebury College graduate and ski team member Kelly Brush, raises awareness about ski racing safety, provides adaptive sports equipment for those with spinal cord injury, works to advance research on spinal cord injury, works to increase ski racing safety through grants to clubs throughout the USA and supports the U.S. Adaptive Ski Team.The Kelly Brush Century Ride was made possible thanks to the generosity of sponsors including: Audi, KeyBank, Saatchi and Saatchi and Champlain Investment Partners.About the foundation: The Kelly Brush Foundation is a non-profit organization dedicated to improving ski racing safety, enhancing the quality of life for those with spinal cord injury(SCI) through providing adaptive sports equipment, advancing scientific research on SCI and supporting the U.S. Adaptive Ski Team. Kelly Brush, together with herfamily, started the foundation in 2006 after she sustained a severe spinal cord injurywhile racing in NCAA Div. 1 competition as a member of the Middlebury College Ski Team in Vermont. The Kelly Brush Foundation affirms Kelly s ongoing commitment to live life on her own terms and better the lives of others living with SCI. www.kellybrushfoundation.org(link is external)Source: Kelly Brush Foundation. BURLINGTON, Vt. (Sept. 17, 2009)
60SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Sticking to a budget is the biggest money challenge Americans said they face, according to GOBankingRates’ 2015 Life + Money Survey. Perhaps the reason so many people find budgeting so difficult is because they’re approaching it the wrong way.“People usually cringe when you talk about budgets” because they’re considered to be constrictive, said Jim Blankenship, a certified financial planner with Blankenship Financial Planning. The alternative, he said, is a spending plan, which is about choice.Here’s what you need to know about creating a spending plan that will lead you to a more secure financial future.How a Spending Plan and Budget DifferA budget feels like a diet to many people because it creates a sense of deprivation, said Brad Klontz, PsyD, a financial psychologist and author of “Mind Over Money: Overcoming the Money Disorders That Threaten Our Financial Health.” You have to track your spending and figure out what to cut. It can be painful, he said, so few people do it. continue reading »
16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cindy J Draper Cindy J. Draper is a Retail DDA Strategist and Director of Training at Velocity Solutions. Cindy has over 20 years of experience in the banking industry. She has worked her … Web: myvelocity.com Details The Fed is feeling confident about the economy and has indicated that we have “emerged safely¹” from the financial crisis. As a result, they are poised to raise interest rates in December. The opportunity for additional margin is welcome news for credit unions. It’s been a tough decade starting with the worst financial crisis since the Great Depression, followed by numerous regulatory changes, administration changes, and many destructive weather events that seriously impacted the already battered economy. These factors in combination have contributed to increased pressure on margins. Relief is in sight! Margins have been squeezed for years and relief is in sight. Leverage the upcoming rate increase by growing demand deposit accounts. In addition to low-cost funds, DDAs also provide a great source of non-interest income. Now is the time to focus on growth in this area.How can you maximize your revenue potential? Growing your quantity of accounts with quality accounts is the first step. Attract the right consumer and ensure status as the primary financial institution by onboarding them with an effective new account process to ensure the account transacts regularly and that you’ve built a long-term relationship.One way to ensure quality accounts is using word of mouth advertising to attract consumers seeking a new credit union. An Ernst & Young Global Banking Survey concluded that 71% of people will consult a friend, family or colleague before selecting their next primary financial institution. Using a growth strategy that includes referrals and digital technology increases opportunities for quality accounts. A study done by the Journal of Marketing² shows that referred accounts maintain higher balances, stay longer, and have a higher lifetime value. Referred accounts also help to attract younger consumers to your credit union. A recent case study by Velocity Solutions indicates that 58% of referred account holders were between 18 and 38 years of age.2018 can be your year!The next 12 months is the perfect time to expand your checking account base to capture low cost funds, increase non-interest income and gain new financial relationships. Putting initiatives in place to grow deposits with existing members and gaining new members should be a priority. ¹The New York Times, “Confident Fed Sets Stage for December Rate Increase,” September 2017.²American Marketing Association’s Journal of Marketing “Referral Programs and Customer Value” by Philipp Schmitt, Bernd Skiera, & Christophe Van den Bulte and American Marketing Association’s Journals of Marketing “Growing Existing Customer’s Revenue Stream Through Customer Referral Programs.”
26SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,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 The war between credit unions and banks may be one that never ends. But when it comes to the fight for members, it’s one credit unions would prefer to win. So how can credit unions come out on top? Let’s look at what credit unions do well while keeping tabs on the areas in which banks excel. Here are four statements that credit unions should keep in mind…Credit unions care more about their members: This one is easy. Banks are looking to make huge profits, and this isn’t a primary focus for CUs. Because of this, credit unions can offer lower rates on loans and credit cards and higher rates on deposit accounts. This is a huge factor for helping credit unions gain business.Banks tend to have better technology: Hey, don’t get mad. On the whole, you know it’s true. While some credit unions do a pretty good job of keeping up with the big boys when it comes to technology, a lot of credit unions have some catching up to do. Mobile banking, mobile deposit, and even something as basic as a functional website are some tech areas in which credit unions often lag behind. Technology equals convenience, and that’s something consumers care a lot about.Credit unions provide better service: One downside of technology is that there’s hardly a reason to go into a bank branch anymore. And when that occasion occurs, it’s probably not very likely that you’ll see any familiar faces. At smaller credit unions branches, you’re a lot more likely to see recognizable faces who know your name. That’s something special that you’re not likely going to get at Chase or Bank of America.Banks seem to be everywhere: Speaking of convenience, having local branches nearby can be very convenient. I had a friend who recently had to drive out of state to get a cashier’s check from his credit union in order to close on a new home. While he loves his credit union, he spent half a day doing something that could have taken 30 minutes at a regional bank. Obviously, there’s always exceptions. Some credit unions participate in shared branching and a lot of smaller banks only have a handful of branches.The positives that credit unions bring far outweigh the positives of banks in my opinion. But I think it’s important to remember that even when you do some things great, there are always areas in which you could be stronger.
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“With the current conditions, we are bracing for the impact on our customers,” Jahja told a press briefing on Thursday.Jahja explained that the 2019 novel coronavirus (COVID-19) outbreak had prompted the Chinese government to limit the country’s economic activities, including factories, to contain the virus. This could limit raw material demand from various industries, which could in turn disrupt business operations of Indonesian companies.The outbreak has also resulted in travel restrictions to and from China, which would affect the tourism-related industries and businesspeople in Indonesia. More than 40,000 hotel bookings in Indonesia’s top tourism destination of Bali had been canceled.Adding to downside risks, Jahja continued, were capital market “scandals” that had led to insurance companies failing to pay out customers and to the closure or suspension of mutual fund products. Bank Central Asia (BCA), Indonesia’s biggest private lender by market value, has lowered its loan growth target for this year, arguing that the coronavirus outbreak and stock market “scandals” may affect the bank’s customers.BCA president director Jahja Setiaatmdja said on Thursday that he sees the bank’s loan growth at 5 to 7 percent this year, down from an initial projection of 8 to 10 percent.He added that lending in the overall banking industry was likely to grow at a similar rate, although the Financial Services Authority (OJK) expects 11 percent loan growth this year. “Moreover, there have been many problems in the capital market, mutual funds, insurance. We need to prepare for the impact on our customers,” Jahja said.The Attorney General’s Office (AGO) has ordered the suspension of 800 securities accounts related to Jiwasraya as part of its ongoing investigation into alleged corruption at the ailing insurer that resulted in its failure to repay policyholders to the tune of Rp 16 trillion (US$ 1.17 billion) as of January.Several mutual fund products also defaulted on payouts, with some asset managers, including Nareda Aset Manajemen and Minna Padi Aset Manajemen, being prohibited from selling products.For BCA, these capital market problems could pose a risk to the consumer bank’s business, but the lender remains optimistic that, as it lowers loan growth projection, bad debt would remain steady at a nonperforming loans (NPL) ratio of 1.3 percent, which would be similar to last year’s achievement.“We will keep a close eye on new credit to not turn into bad credit,” Jahja said.BCA director Rudy Santoso also said the company would try to restructure loans it considered at risk and write off some of its bad loans to keep the ratio at a healthy level.Commercial banks around the country are struggling with rising bad loans as a global and domestic economic slowdown created an unfavorable business climate.Against that backdrop, publicly listed BCA recorded outstanding loan growth of 9.5 percent to Rp 603.74 trillion (US$43.7 billion) in 2019, supported by double-digit growth from the corporate segment and the commercial and small and medium enterprises (SMEs) segment. That compares with 6.08 percent growth in overall commercial banking last year.BCA booked Rp 28.5 trillion in profit last year, up 10.5 percent from 2018, as its operating income grew by 13.6 percent to Rp 71.62 trillion.Topics :
Skip YESSSSSSSSSS SERGE— ً (@SpIeeborg1) October 1, 2019 More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal 1 min. story Manchester United captain Harry Maguire Top articles Read More Arsenal fans love Serge Gnabry’s dig at Tottenham after 7-2 defeat to Bayern Munich Rio Ferdinand tells Ole Gunnar Solskjaer to drop struggling 🔥🔥🔥🔥🔥Still a gunner— That1Guy👑🇨🇩 (@Osowxvy) October 1, 2019 Visit Advertiser website GO TO PAGE Read More Advertisement Serge Gnabry scored four as Bayern Munich smashed Spurs (Getty Images)Serge Gnabry couldn’t resist a little dig at Tottenham and a nod to his former club Arsenal after Bayern Munich’s 7-2 win over Spurs in the Champions League on Tuesday evening.The Germany international scored four goals as the German champions delivered a display of ruthless finishing to see off Mauricio Pochettino’s side.During Gnabry’s sublime performance, Arsenal fans were slamming Arsene Wenger and their own club over their decision to sell Gnabry to Werder Bremen for just £5 million in 2016.But Gunners supporters were loving Gnabry’s jibe towards their rivals as he tweeted after the match: ‘North London is RED’.ADVERTISEMENT Full Screen Skip Ad Video Settings Metro Sport ReporterTuesday 1 Oct 2019 11:07 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link612Shares by Metro AdvertisementAdvertisementGnabry also gave a special mention to Arsenal in his post-match interview to Sky Germany.‘It’s difficult to put this into words, winning 7-2,’ he said.‘None of us would have imagined this.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man City‘To have scored four goals is also an amazing feeling.‘I imagine all the Arsenal fans enjoyed that one!‘Obviously it’s great for us, we’re going to enjoy the evening.’And Arsenal fans flooded Gnabry with their praise… SPONSORED Read More 1/1 Come home bro. The carpets are set— Muhammad Ahmed (@DohukyMD3) October 1, 2019 Coming Next About Connatix V67539 Read More SERGE WE LOVE YOU COME HOME— Mikey (@NeIsonFC) October 1, 2019 / Comment Read More PLAY Advertisement