A diet that’s healthy for people and the environment

first_img Experts gather at Harvard to discuss food insecurity, long-term solutions Study finds greater adherence lowers risk of Type 2 diabetes by 23% Understanding what sustains us — and what sustains our world — is fundamental. It is also the subject of the Global Food+ 2021, a joint webinar series run by researchers at Boston University, Harvard, MIT, and Tufts on their current work on the intersection of agriculture, health, environment, and society. This free online series, sponsored and hosted by Harvard’s Weatherhead Center for International Affairs, kicks off Friday and runs for four consecutive Fridays, with each event featuring 10 speed talks of seven minutes each. We spoke with Walter Willett, professor of epidemiology and nutrition at the T.H. Chan School of Public Health and Harvard Medical School professor of medicine, who will give a talk on “Fine Tuning Healthy, Sustainable Diets” during the inaugural session this week.Q&AWalter WillettGAZETTE:  Your talk is titled “Fine Tuning Healthy, Sustainable Diets.” What does that mean?WILLETT: Basically getting down to specifics of diets that are both healthy for people and also healthy for the planet. We know, in a big-picture way, the direction we need to go, but I thought I would talk a bit about looking into more details.GAZETTE: Would you share some specifics?WILLETT: Part of it is intuitive, but even when we say “Eat a more plant-based diet,” what we’ve come to realize is that not all plant foods are healthy. Dunkin Donuts and Coca-Cola are plant foods, but they’re not good for our health, even though they have a relatively small environmental footprint. We’ve created a plant-based dietary index with more-healthy plant foods, like whole grains, fruits, vegetables, nuts, legumes, and also unhealthy plant-based food, like sugar-sweetened beverages and things made from refined flour. It’s good to simplify things as much as possible, but we can’t and shouldn’t oversimplify.GAZETTE: You’re also looking at sustainability, the health of the planet. WILLETT: Exactly. That unhealthy plant-based diet might not be so bad for the planet because you get a lot of calories for area of land with modest environmental inputs. We need to look below the surface. Certainly moving toward a less animal-based diet is a good direction to go. But we can have a sustainable planet without everybody becoming a vegan.,GAZETTE: We don’t have to give up meat?WILLETT: I co-chaired the Eat Lancet-Commission, and we did conclude that there’s room for about two servings of animal-source foods per day, one being dairy and one being some combination of fish or poultry a couple of times a week, or some eggs, with red meat just once a week. People could become vegans, of course, if they’re careful about getting enough vitamin B12, but this does provide a lot of flexibility. We’re quite off target at this point in time though, especially in the United States.GAZETTE: How aligned are the goals of human health and sustainability as a planet?WILLETT: There are no serious conflicts in that, very broadly, the healthiest diet for humans will be a diet that is healthy for the planet. But there is this divergence in that you can have a diet that is relatively healthy for the planet, but very bad for humans. And that’s the diet that is low in animal source foods but high in starch, especially if it’s refined starch, and sugar. We often call that a poverty diet in that the cheapest sources of calories are starch and sugar. That has a light footprint on the planet, but it’s not healthy.GAZETTE: Would you tell us about your current research?WILLETT: We’re working on a lot of fronts so I will just briefly talk about our long-term cohort studies. This is the Nurses’ Health Study and the follow-up study. We’ve been following over 250,000 people starting in 1980. We’re able to look at the long-term consequences of diet, and we are really starting to see some things that we didn’t see in the first couple of decades. We now see that the development of diseases like cancer occurs over many decades. What girls consumed during childhood turns out to be more important for their [risk of] breast cancer at age 60 than what they were eating at age 50. It really does highlight the importance of paying attention to what we feed our kids in schools as well as at home.GAZETTE: What should we be eating?WILLETT: Variety, but there are some parts of that are important to include in that variety. We do see, for example, that the dark orange and green leafy vegetables like carrots and greens are important for helping reduce breast cancer risk, and the cruciferous vegetables like broccoli and cabbage are related to lower risk of breast cancer later in life. For cognitive function, it looks like including tomato products, like tomato sauce, is important. It’s not that there’s one magic bullet there, but making sure we include these kinds of vegetables is important.  GAZETTE: And is such a diet sustainable?WILLETT: In general vegetables have a light- to moderate-impact environmental footprint, but it varies tremendously. If we produce them in California and ship them across the country, there is an appreciable-impact carbon footprint, not from producing the vegetables per se but from the process of keeping the cold chain. Some colleagues at Michigan have shown that by very simple low technology, like greenhouses where they don’t use fossil fuels for heat, they can produce greens pretty much year-round in Michigan with about 1/10 of the environmental footprint compared to those that are produced and shipped from California. So it’s not just what we eat, but how it’s produced.GAZETTE: Does that mean we should be eating local?WILLETT: All else being equal. But if you have a greenhouse in New England that’s burning a lot of fossil fuel to produce tomatoes in January, that isn’t necessarily going to be good. We do have pretty much every day what’s called a fruit train come up the East Coast from Florida to the Boston markets. We’re taking advantage of the warmth and sunlight in Florida, and train transportation is pretty inexpensive, so that’s probably better than putting a couple of bushels of fruit in your pickup in Western Massachusetts and driving to Boston. We want to simplify things, but not oversimplify things.Interview was edited for clarity and length. Assessing the latest U.S. dietary guidelines Hunger on the rise amid pandemiccenter_img Related The Daily Gazette Sign up for daily emails to get the latest Harvard news. Growing support for plant-based diet For the first time includes recommendations for babies and toddlers last_img read more

Member-centric overdraft solutions

first_img 87SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Kari Anne Arnosk Kari Anne Arnosk is Director of Debit Consulting at Advisors Plus where she works with credit union clients to create the most effective strategies for maximizing their checking and debit … Web: advisorsplus.com Details Credit unions have long prided themselves on their mission to provide the highest quality offerings to their members. Nowhere has this philosophy been more clear-cut than in credit unions’ commitment to maintain lower fees as compared to the much higher penalties typically imposed by larger, national financial institutions.Lower overdraft fees have been a source of member-centric differentiation in recent years. Credit unions have led the financial services industry in providing their members with a variety of choices regarding their overdraft solutions, from Courtesy Pay (opt-in), overdraft lines of credit, transfers from savings, and transfers from credit cards. Members can typically select one or all of these services while also having the option to “opt-out” from all of them. This past fall, the Consumer Financial Protection Bureau (CFPB) signaled its intention to once again pursue Overdraft Prerule 3170-AA42 on the list of regulations it intends to target in 2017. These proposed changes take a one-size-fits-all approach by including credit unions in the mix of banks. The entire industry, however, should be vigilant in protecting credit unions’ abilities to provide overdraft services to members. Credit union trade associations like CUNA and NAFCU are working diligently to minimize any future regulatory burdens imposed by the CFPB so that credit unions can continue to offer value-added overdraft programs to their members. Vital to that effort will be helping the CFPB understand how — and to what degree — credit unions differ from other financial institutions in the philosophy behind their current overdraft procedures, policies and fee structures. Four forward-looking actionable steps credit unions can initiate to serve their members even more effectively through flexible, member-friendly overdraft programs include:Position your overdraft program as a value-added solution: In all external communications — as well as in-house strategic thinking — communicate the mindset that your overdraft program is another valuable component of your credit union’s overall checking continuum. To that end, review current overdraft policies, disclosures and opt-in agreements for clarity, completeness and user-friendliness. Make sure your website has easy-to-locate, dedicated pages that explain your credit union’s overdraft program, including how it works, how to opt-in or out, and the fees associated with your policies, all reinforced by readily accessible FAQs. In addition:Make the same information available at your branches, contact center and website, on both desktop and mobile.Provide your members with contact information and phone numbers to use when they have questions.Train your member-facing staff to have a thorough understanding of your overdraft programs and how they work.Clearly disclose the features of your overdraft program: The CFPB recommends that financial institutions “provide account holders with clear, comprehensive terms and pricing information for all available overdraft options.”This translates to spelling out the features of your overdraft program in comprehensive but simple ways. Taking the lead in helping members understand your credit union’s overdraft policies may also result in the additional benefit of helping protect your credit union from potential legal action that could stem from the CFPB’s aggressive prosecution of institutions whose policies it thinks contain unclear or misleading overdraft information.Utilize the Pew Charitable Trusts’ Model Disclosure Box for Checking Accounts: One of the simplest ways to guarantee clarity for your members is to consider utilizing the Pew disclosure box format.   Pew’s sample creates a one-page summary of the fees associated with checking accounts that includes overdraft options for consumers with debit cards, card processing policies in place and a dispute resolution agreement. It is already approved by Pew and the CFPB, making it a no-brainer for most of the banks and a handful of credit unions that have already adopted it.Contact members if they are overdrawn: Another way credit unions can help members minimize overdraft fees is by personally contacting them if they are overdrawn, especially if it has been longer than a few days. Your member may be chagrinned at first, but will likely be grateful that you have taken the time to call a one-time error to their attention. However, it is equally important to reach out to continuously “heavy overdrafters” to understand what is causing their situation. This group is also likely to be pleased by the individual attention, and the discussion may create an opportunity to educate these members on other options to help them better manage their checking accounts.Personally working with members who may need alternative solutions and ensuring the credit union industry remains committed to monitoring and managing its programs with members’ best financial interests at heart will ultimately provide relief and support. Credit unions can serve as educators and role models for the industry by making proactive changes to provide transparency and clarity of their overdraft programs.last_img read more

Brought to book

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Event organizers plead for help amid massive cancelations due to Covid-19

first_imgThe association also appealed to the government to provide fiscal incentives such as tax relief and delays in the payment of premiums to the Health Care and Social Security Agency (BPJS Kesehatan).The association also asked for understanding from business partners such as hotels, revenue providers and transportation companies, including airlines, regarding their financial difficulties. The association asked them to find a win-win solution to enable its members to settle their financial obligations.“We also ask the government to encourage state-owned enterprises (SOEs) and other government agencies which have used the services of the organizers to accelerate the payment of their dues to enable us to survive,” Mulkan in the statement.Read also: Battered by virus: Businesses across Indonesia feel the pinch Event organizers have asked for relief from clients, business partners and the government to help them survive the current difficult situation in which many of events have been postponed or canceled due to growing fears over the spread of COVID-19.The Indonesia Event Industry Council (Ivendo) said that without understanding from their clients and business partners, as well as the government most of the event organizers could shut their businesses as they would be unable to cope with the situation, which got worse from day to day.In a statement issued on March 16, the association’s chairman Mulkan Kamaluddin appealed to their clients to pay their financial obligations for events that have been suspended or those that might be unilaterally postponed or canceled because of the coronavirus pandemic. Jakarta and other provincial administrations in the country have called for the suspension of large gatherings such as exhibitions, conferences and other business events to prevent the spread of the coronavirus.In addition to the provincial governments, the Transportation and Creative Economy ministries have also urged the postponement of business events in the country following President Joko “Jokowi” Widodo’s call for all citizens to practice social distancing.“We also urge tourism and creative economy players not to organize events and exhibitions until the COVID-19 pandemic can be contained,” Tourism and Creative Economy Minister Wishnutama Kusubandio said recently.The secretary general of Ivendo, Harry D Nugraha, who is also the founder of event management company Ego Global Network told The Jakarta Post on Thursday that more than 90 percent of events scheduled for March were postponed or canceled.”If there is no event, there is no income,” Harry told the Post.On its official statement, Ivendo indicated that event organizers would follow and obey the government’s instructions. It also expressed understanding regarding the circumstances.Ivendo conducted a survey recently involving 112 respondents comprising event organizers, planners, promoters and tour operators. The survey aimed to find out the number of events being postponed or canceled due to COVID-19.Read also: COVID-19: Government calls for limits to all tourist activitiesSome 34.82 percent of respondents said they had postponed between four and six events until the end of 2020. Meanwhile, 9.82 percent of respondents said they had postponed 13 to 15 events until the end of the year.The same survey also indicates that 6.25 percent of respondents have canceled between 13 and 15 events until the end of 2020.Ivendo projects that total potential losses suffered by event organizers in Indonesia as a result of the postponements and cancelations could amount to between Rp 898.2 billion and Rp 2.65 trillion with the assumption that there are 1,218 companies engaged in the event-organizing business.Topics :last_img read more

EU considering sustainable investing as fiduciary duty for investors

first_imgAs paraphrased by the Commission, the HLEG recommended it “clarify that the fiduciary duties (duties of loyalty and prudence) of institutional investors and asset managers explicitly integrate material environmental, social and governance (ESG) factors and long term sustainability”.The duties of care, loyalty and prudence were embedded in the EU financial legal framework, said the Commission, but it “appears unclear” that they required institutional investors to assess the materiality of sustainability risks.“Market practices indicate that institutional investors and asset managers generally understand these duties as requiring a focus on maximising short-term financial returns and disregarding long-term effects on performance due to sustainability factors and risks,” it added.“This can lead to misallocation of capital and might give rise to concerns about financial stability since markets can be vulnerable to abrupt corrections, such as those associated with the delayed transition to low-carbon economies.”The Commission positioned the consultation in the context of its efforts to mobilise private capital towards the transition to a low-carbon economy. It said the consultation showed the EU’s strong commitment to mitigate risks posed by climate change and environmental challenges.Investor members of the HLEG welcomed the Commission’s consultation.Magnus Billing, CEO of Alecta, Sweden’s largest pension fund, said: “Clarification and enhancement of fiduciary/investor duties integrated in market participants’ investment processes has the potential of transforming in a meaningful manner the European financial markets to sustainable European financial markets.” The European Commission is considering whether to clarify that institutional investors’ duties include taking into account sustainability risks.The European Union’s executive has decided to start work on an impact assessment to assess whether and how such a clarification could contribute to a more efficient allocation of capital, and to sustainable and inclusive growth.The Commission launched a public consultation today to help it “gather and analyse the necessary evidence to determine possible action to improve the assessment and integration of sustainability factors in the relevant investment entities’ decision-making process”.The move follows up on one of the eight recommendations made by the High Level Expert Group (HLEG) on Sustainable Finance, an advisory body to the Commission, in its interim report in July. Claudia Kruse, APGClaudia Kruse, managing director for global responsible investment and governance at €456bn asset manager APG, said: “We invest on behalf of Dutch pension funds who consider it part of their fiduciary duty to take sustainability and governance factors into account, and reflect this in their investment beliefs and strategy. This contributes to risk adjusted returns and aligns with beneficiaries’ preferences.”Fiduciary duties have long been a battleground in the fight to get investors to take into account ESG factors.Some investors believe doing so would be incompatible with their fiduciary duties, while a more vocal – and increasingly large – constituency of investors and interest groups has argued that fiduciary duties are not a barrier to considering ESG issues as part of the investment decision-making process.In a 2005 report for the UN Environment Programme Finance Initiative, law firm Freshfields Bruckhaus Deringer said the 1984 Cowan v Scargill court case had coloured the position in the UK on the integration of ESG issues from the perspective of fiduciary duties, but had been misunderstood. The conclusion of the law firm’s report was that integrating ESG considerations into investment analyses was permissible but in certain circumstances mandatory.In 2014 the UK’s Law Commission drafted guidance for trustees on whether they could consider factors beyond short-term investment returns. It was seen by many as arguing there were no legal barriers to considering ESG issues.The Principles for Responsible Investment, meanwhile, is working with Generation Management on a programme to get consideration of ESG factors embedded in investors’ fiduciary duties. Generation Management chairman and former US vice president Al Gore will be speaking at IPE’s annual conference in Prague later this month.last_img read more

Proserv wins North Sea decommissioning deals

first_imgEnergy services company Proserv has been awarded three contracts worth a combined value of more than $2.5 million for decommissioning work in the Norwegian sector of the North Sea.Proserv said on Thursday that its Stavanger facility would provide cutting services as part of a full severance package covering subsea and topside work.As part of the decommissioning workscope, Proserv will provide abrasive cutting, diamond wire cutting, grout removal and dredging services.These latest contract awards come after $8 million worth of decom deals which the company won in Asia Pacific, the UK, and the Gulf of Mexico.The company claims that its cutting technology solutions can save hours in well severance and plugging, which can lead to significant savings in day rates over a campaign.Henrik Johnson, Proserv region president for Norway, said: “To date, we have cut over 300 wells globally in a variety of challenging conditions and environments. One of the contracts requires specialist engineered solutions to deal with non-standard sizes used in the structure. The complex installation requires a custom technology solution rather than an ‘off-the-shelf’ package, and this is at the core of Proserv’s expertise.”last_img read more

Texarkana 67 to reschedule, rename Winter Frenzy

first_imgTEXARKANA Ark. – The special for IMCA Modifieds and Smiley’s Racing Products Southern SportMods originally scheduled for this weekend at Texarkana 67 Speedway will have a new date and a new name. Modifieds will race for $1,000 to win, Southern SportMods for $750 to win on a date now to be determined. Rain has resulted in postponement of Friday’s Winter Frenzy. last_img

Mikel offers to assist Lampard

first_imgRelatedPosts Lampard: I still have confidence in Tomori Lampard: Tomori won’t leave Chelsea Anjorin: I’ll fight for shirt in Chelsea except there’s a tempting loan offer Former Chelsea player John Obi Mikel has expressed his thoughts about former teammate Frank Lampard and his new role at Stamford Bridge.In the summer, Lampard was appointed as Chelsea manager following the departure of Maurizio Sarri, and Mikel said he’s very happy for him.The Nigerian international said his former Chelsea teammates were expecting John Terry to reach the highest level first as a manager but Lampard has managed to edge ahead him, as quoted via 61 Saat: “I am very happy for Frank. When we were playing at Chelsea, we are expecting that John Terry and he would be very good managers, but we were expecting Terry to reach that level first. But Lampard made a big step.“His arrival at Chelsea means the club are caring for their legends. I joked with him after the Chelsea move, I want to be his assistant when I retire. I hope he will be successful at Chelsea for many more years. I also want to see John Terry in similar jobs in the future because he was our leader on the pitch.”After impressing for Derby County last season, Lampard was given the Chelsea job after just 12 months as a manager. Without being able to bring in new players due to the London club’s transfer ban, the former England international has done a decent job since his return.Mikel made 372 appearances for Chelsea in 11 years and won the Champions League with the Blues in 2012.Tags: Frank Lampardlast_img read more

Benteke signing should buy Lambert time

first_img Villa owner Randy Lerner may have been criticised for his lack of recent investment in the Midlands giants, but he has kept faith with Lambert. Gregory, Villa manager for four years between 1998 and 2002, feels Lambert has earned that trust purely by recruiting Benteke for a miserly £7million from Genk last summer. “Purely signing Benteke is enough to keep Paul Lambert in work for another two years,” said Gregory. “It was a stroke of genius. Whether or not Villa are able to hang onto him in the summer remains to be seen but this guy is a real find. It amazes me the likes of Arsenal have missed someone of that calibre. He scored the winning goal against QPR and seems a complete snip at £7million.” Nevertheless, it has taken commendable nerve from Lambert, who has been given a little breathing space with successive wins over Reading and QPR even if he knows Villa will be back in the bottom three on Saturday evening should Wigan beat Norwich. “Only time will tell whether the decision not to buy in January was brave or foolhardy,” said Gregory. “But standing by Paul was the right thing to do to because the signs are there. “It was a big shock that Reading parted with their manager at such a strange time. Had it been January you could understand it because the new guy would have a chance to bring in one or two signings. Now Reading can only play the same players until the end of the season.” Keeping out of that dreaded bottom three is the only task remaining for Villa now. With a team built around younger players, little can be taken for granted, and a last-day trip to Wigan has an ominous look about it. But Gregory feels that if the survival battle can be won, the future at Villa Park may be quite bright. “Paul Lambert was given a very limited budget,” he said. “The club weren’t prepared to spend money willy-nilly because it didn’t seem to be working. Instead, Paul has invested in youth. He lost one or two of his more experienced players through injury or bad form and has had to put out inexperienced teams week after week. “They have not been particularly good defensively but I always felt they could nick something because they have good strikers with a lot of pace. If Paul can manage to negotiate this season and keep the club in the Premier League, you will see a much improved Aston Villa squad next year.” Former Aston Villa boss John Gregory believes the discovery of Christian Benteke alone should guarantee Paul Lambert another two seasons at the club.center_img Press Associationlast_img read more

Other Sports Tokyo 2020 Olympics: First tickets for event released via lottery

first_img Tokyo: The first tickets for the Tokyo 2020 Olympics went on sale on Thursday, with Japanese residents able to enter a lottery to watch the sport of their choice. Tickets for the 33 sports range from the cheapest general tickets at 2,500 yen (USD 23) to an eye-watering 300,000 yen (USD 2,730) for the best seats at the opening ceremony. Those lucky enough to score the best seats for the showcase men’s 100m final will pay 130,000 yen (USD 1,200). But half of all tickets will be priced at 8,000 yen (USD 73) or less and special tickets priced at 2,020 yen (USD 18) are available for families resident in Japan with children, senior citizens, and people with impairments. Prices for domestic residents are “about the same as London 2012 but a little higher than the 2016 Rio Games,” Yuko Hayakawa, senior 2020 marketing official, told AFP.     The lottery — only for residents of Japan during an initial period — runs until May 28, with successful applicants notified on June 20 and payment due a fortnight later. The website saw high demand upon opening with a queue system in place even though tickets are not sold on a first-come-first-served basis and everyone entering the lottery by May 28 having an equal chance of scooping tickets. Overseas applicants will be able to snap up tickets from June 15 via special “Authorised Ticket Resellers” in each country. Organisers have not offered a precise number of tickets available at various stadium configurations are still being finalised with just less than 450 days to go until the opening ceremony. But they said it would be roughly the same as the 7.8 million tickets they estimated when bidding for the right to host the Games.RELATED     Of these tickets, an estimated 70-80 per cent would be allotted to Japanese residents with the rest going to overseas fans. The Tokyo 2020 Olympics will run from July 24 to August 9. Tickets for the Paralympics will become available this summer. Fans wishing to start planning their applications can access the website at https://ticket.tokyo2020.org/?culture=en-us. Boxing tickets are not available as the IOC has frozen preparations for the competition amid a spat with the governing body AIBA. For all the Latest Sports News News, Other Sports News, Download News Nation Android and iOS Mobile Apps. No tickets will be available for Boxing as IOC has frozen preparations due to a spat with AIBA.Tokyo last hosted the Olympics in 1964.The 2020 Tokyo Olympics will be held from July 24 to August 9.center_img highlightslast_img read more