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Blair Hamilton Student Scholarships create legacy for Efficiency Vermont co-founder

first_imgEfficiency Vermont,40 Scholarships Available for Students to Attend Efficiency Vermont’s Better Building by Design ConferenceEfficiency Vermont is honoring Vermont Energy Investment Corporation (VEIC) co-founder Blair Hamilton for his visionary leadership in energy efficiency and renewable energy through the creation of 40 student scholarships.Blair Hamilton, who died in the spring of 2011, was a driving force in creating Efficiency Vermont, the nation’s first energy-efficiency utility. A mentor and innovator in the field of energy efficiency research, policy, design and implementation, Blair helped create similar organizations and initiatives in other states and around the world.The Blair Hamilton Student Scholarships ‘ 40 one-day scholarships to attend Efficiency Vermont’s Better Buildings by Design on February 8 or 9 ‘ are available to college and high school students in Vermont as well as Vermont residents who are attending college out of state. Scholarship awards will be based on responses to a short essay question. Students who are not awarded a scholarship can still attend the conference at a special reduced rate of $100 per day.‘Blair was a true innovator who, 25 years ago, thought that lowering the economic and environmental costs of energy was a great ‘ and achievable ‘ goal,’ said VEIC co-founder Beth Sachs. ‘These scholarships are designed to honor that legacy and inspire the next generation of thinkers and doers.’In 2002, Blair was named a ‘Champion of Energy Efficiency’ by the American Council for an Energy-Efficient Economy. The following year, he accepted an innovation award from Harvard’s Kennedy School of Government on behalf of VEIC.The Blair Hamilton Student Scholarships are generously sponsored by VEIC.Efficiency Vermont was created by the Vermont Legislature and the Vermont Public Service Board to help all Vermonters reduce energy costs, strengthen the economy, and protect Vermont’s environment. Vermont Energy Investment Corporation (VEIC) operates Efficiency Vermont under an appointment by the Vermont Public Service Board. VEIC is a Vermont-based nonprofit organization founded in 1986. For more information, contact Efficiency Vermont at 888-921-5990 or visit www.efficiencyvermont.com(link is external).January 2012last_img read more

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How private student lending can lead to loyalty

first_img 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michael Weber As the Chief Marketing Officer, Michael not only builds awareness of Student Choice within the credit union industry but also works directly with client credit unions and business partners to … Web: www.studentchoice.org Details Student lending offers credit unions a chance to build early trust with a demographic that is getting tired of banks. And once that relationship is in place, the numbers can really add up.The numbers are downright scary.According to CUNA’s 2014/15 National Member and Non-Member Survey, the average age of a credit union member has now reached 48.5 years old. The survey also reports that only 35% of credit union members are in their peak borrowing years (ages 25-44), down from a whopping 51% in 1989. And in spite of all the discussion in the credit union space about growing membership among young adults, just 7% of members fall into the 18-24 age range, down from 9% in 2013.While these statistics are troubling enough, what should cause even greater angst for credit union lenders and marketers is how millennials view the future of banking. According to the Millennial Disruption Index  — a three-year study based on a comprehensive survey of more than 10,000 people born between 1981 and 2000 — banking is the industry that faces the highest risk of disruption.Per the study:71% of millennials would rather go to the dentist than listen to what banks are saying53% don’t think their bank offers anything different than other banks73% would be more excited about a new offering in financial services from Google, Amazon, Apple, PayPal, or Square than from their own bank (Hmmm … Apple Pay anyone?)33% believe they won’t need a bank at all in five yearsOuch.Making Relationships A RealityAt conferences and industry events, stats like those mentioned above are tossed around like grenades. Credit unions are inundated with ideas and strategies on how to build meaningful relationships with young adults, but the numbers from CUNA’s survey seem to indicate that results may be lacking.But what about simply offering a product that we know for a fact is needed by millions of college-age kids every year? Helping families navigate the confusing maze of how to best pay for college, while also offering a fair-value private student loan to those who need to fill educational funding gaps, is proving to be a very powerful connection source for many credit unions.Now that many of those credit unions have more than five years of experience offering this type of loan solution, it’s becoming clear that not only can this asset class perform extremely well (with annualized charge off ratios of less than 0.70%), but these borrowers are bringing real relationships and true member value to the credit union.Six credit unions (ranging in assets from $250 million to $5 billion), all offering a private student lending program through Credit Union Student Choice, recently analyzed their student lending borrowers. The numbers paint a very positive picture.Average checking account penetration was nearly 56%, while more than 21% had a credit card. Another strong indicator was that more than 9% had an auto loan with the credit union. According to one lender, total deposit balances for their student loan borrowers was more than $4.6 million while total loan balances (outside of their student loans) were approximately $3.7 million.Although credit unions are still working to track the sequencing of account relationships in order to determine when loan and deposit accounts were opened in relation to the student loan, it is clear that these young adults are not simply indirect borrowers. They present credit unions with a genuine opportunity to deliver a lifetime of financial services, an idea not lost on other lenders.In announcing its expanded student loan consolidation program in September, Citizens Bank referenced the importance of offering a student lending product in order to attract young, college-educated borrowers who will eventually need a mortgage, car loan, and other financial products.The time to engage this important segment of future borrowers is during the most critical stage of their young financial lives — financing higher education. Through the delivery of fair-value loans and corresponding education, credit unions can help, while also earning the loyalty that will translate to productive, long-term member relationships for years to come.last_img read more

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Dead Humpback Whale Found Off Westhampton

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York The partial remains of a dead humpback whale were found floating in the waters off Westhampton over the weekend, marine biologists said.Southampton Town Bay Constables towed the carcass, initially sighted approximately a half mile off of Fish Creek in Remsenburg, to the end of South Bay Avenue so a team of biologists from the Riverhead Foundation for Marine Research and Preservation could examine the whale on Saturday afternoon, officials said.“The animal was not intact, but they were able to determine it was humpback whale, and possibly a calf,” said Rachel Bosworth, a spokeswoman for the group. “Only the head and flipper had been recovered.”The cause of death is currently undetermined. Samples were taken and sent to a pathologist, but results may take several weeks. The carcass was taken to the Westhampton Transfer station where it will be buried by a town contractor.This carcass is the second dead humpback whale found on Long Island this spring. The first was found floating in Napeague Bay in Amagansett in April. At least a half dozen dead whales washed up on LI last year.Humpback whales are a threatened species that can grow up to 60-feet long, weigh 25-to-40 tons, and have a lifespan of 50 years, according to the National Oceanic and Atmospheric Administration (NOAA). They are threatened by getting entangled in fishing gear, struck by ships, harassed by whale watching boats, detrimental changes to their habitat and illegal hunting, NOAA said.The Riverhead Foundation urges anyone who finds marine wildlife stranded on the beach to call its hotline: 631-369-9829.last_img read more

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Sky Sports | Sports News

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Gorski kotar could get an umbrella tourist board?

first_imgAll representatives of tourism agree that Gorski kotar is a unique destination, but in that part of Croatia, with informal coordination of activities, there are currently as many as nine city and municipal tourist boards, reports Croatian radio. Glavina believes that the organization of the umbrella tourist board of Gorski kotar would not abolish the existing jobs in tourist offices. “With the establishment of one tourist community for the area of ​​Gorski Kotar, everyone can still keep their tourist information centers, and through them it is possible to perform a number of previous tasks. However, the goal of creating the Gorski kotar brand is to experience the area as a whole and not push individually any city or municipality”, He explained. “We have provided two separate funds to which those who choose the model of functioning through joint tourist boards will have access. At the same time, we increased the financial capacity of the fund, intended for underdeveloped tourist areas, estimating that Croatia cannot be developed as a year-round destination if we do not develop its continental part and rural areas.”, Said Tonči Glavina, State Secretary of the Ministry of Tourism. Residents of Gorski Kotar are in doubt about the legal changes – whether to maintain the status quo from the beginning of next year or to encourage the establishment of a joint tourist board that would be responsible for the destination. There are fears that the establishment of an umbrella tourist board, in addition to existing city and municipal ones, could further burden local budgets.center_img Residents of Gorski Kotar should not worry about the legal provision according to which tourist boards should pay 40 percent of their own income for employees’ salaries. “The goal is not to shut down the existing tourist boards, but to change the existing one and promote the project way of working. Projects have to be written, and with each new project revenue grows and the aforementioned 40 percent limit becomes a much smaller problem”, Concluded Glavina. Source / photo: Croatian Radiolast_img read more

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Ecuador’s Moreno calls for probe into handling of corpses in coronavirus outbreak

first_imgThe tweet included a copy of a formal complaint over alleged irregularities filed by Jorge Wated, the state official tasked with handling corpses during the crisis.The speed of the outbreak in Guayaquil left corpses uncollected in homes and even in some cases in the streets, forcing authorities to store bodies in refrigerated containers and later to open a cemetery to begin burying the dead, residents said.As of Wednesday Ecuador had about 4,450 cases of the disease, with 242 confirmed deaths and another 240 who are suspected to have died from the virus.Of those, 3,047 cases and 144 deaths were in the province of Guayas, where Guayaquil is located.Health Minister Juan Carlos Zevallos said on Tuesday he had sacked an official who requested money in exchange for handing over the remains of a victim in a Guayaquil public hospital.”Shameful, outrageous and intolerable. I have ordered the removal of this individual and the start of relevant legal actions so that this case does not go unpunished,” he said.Topics : Ecuadorean President Lenin Moreno on Wednesday called for an investigation into how local authorities handled the bodies of coronavirus victims in Guayaquil, the epicenter of the country’s outbreak that has overwhelmed health and sanitary authorities.Family members have complained via social media that public hospitals have failed to quickly locate the bodies of their loved ones and in some cases misidentified the remains.”We will not allow anyone to be buried without being identified. They deserve a goodbye with dignity!” Moreno wrote via Twitter.last_img read more

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UK politicians launch inquiry into ‘defined ambition’ pension schemes

first_imgBaroness Ros AltmannCDC pension schemes are not allowed in the UK, although they are common in the Netherlands and Denmark. In Germany they will become possible as of January , under certain conditions. Their introduction in the UK was once planned, however.As part of then pensions minister Sir Steve Webb’s aim for greater risk-sharing in pensions, in 2014 it was announced that the government intended to legislate to allow CDC plans. They were subsequently recognised as a distinct pension category in legislation created by the Conservative-Liberal Democrat coalition government, but plans for regulations to bring them into effect were shelved following the 2015 general election.Sir Steve’s successor as pensions minister, Baroness Ros Altmann, said this was because the government did not want to distract from other major reforms such as auto-enrolment and pension freedoms. Industry representatives had strong views about CDC schemes – the debate a few years ago came close polarising the industry. The committee has asked for written submissions by 8 January. It has posed questions under three headings: benefits to savers and the wider economy, converting defined benefit schemes to CDC, and how CDCs would be regulated.The politicians’ questions include:Would CDC deliver tangible benefits to savers compared with other models?How would a continental-style collective approach work alongside individual freedom and choice?Could seriously underfunded DB pension schemes be resolved by changing their pension contract to CDC, along Dutch lines?Is there appetite among employers and the UK pension industry to deliver CDC?Would CDC funds have a clearer view towards investing for the long term? The WPC is also carrying out an inquiry into pension freedoms, launched in September.The lawmakers also said that CDC had been identified as a potential source of longer term investment in growing start-up companies. Unlocking such investment was one of the policies presented by chancellor Philip Hammond in his Budget statement this week.Arguments made against CDC schemes, according to the committee, were that they could further fragment the pension landscape, suffer from lack of demand, or run counter to the trend towards greater individual freedom and choice in pensions. Sir Steve Webbcenter_img A cross-party group of UK politicians has launched an inquiry into the merits or otherwise of collective defined contribution (CDC), also referred to as deferred ambition plans.The Work and Pensions Committee (WPC) of the parliament’s lower house today announced it was seeking views on CDC schemes as “the type of retirement saving plan with the potential to address some of the concerns that policymakers and the public have about the current pension ‘offer’”.Frank Field, Labour Party MP and chair of the committee, said: “What the select committee is aiming for is to retain some of the best features of company schemes in a different age when employers are no longer willing or able to sustain the burden of final salary promises to employees, who could instead club together and pool the risk themselves.”Setting out its inquiry, the committee highlighted arguments in favour and against the introduction of CDC plans. These include that they would “take the central decision of pension freedoms out of retirement planning, and also much of the risk”.last_img read more

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Utah man may have contracted Zika from dying father’s tears

first_imgHealthInternationalLifestylePrint Utah man may have contracted Zika from dying father’s tears by: Associated Free Press – September 29, 2016 67 Views   no discussions SALT LAKE CITY (AP) — A Utah man who mysteriously contracted Zika from his infected father may have got it by touching his dad’s tears or sweat with his bare hands, according to new research that found the unusual transmission method was likely caused by his dying father having 100,000 times the normal level of the virus.The research done by University of Utah doctors and published Wednesday in the New England Journal of Medicine, doesn’t give definite answers to why the father’s levels were so high or why the son contracted the virus in a way not documented anywhere else. But it does offer new details about the events the led to a case that has puzzled researchers.The father, 73, had been diagnosed with prostate cancer eight months before his June death, the report says. He was receiving radiation therapy and anti-androgen therapy, which may have made it easier for the virus to replicate, said Dr. Sankar Swaminathan, chief of the infectious diseases division at University of Utah Health Care. But Swaminathan said the cancer and treatment doesn’t totally explain why the man had such extremely high levels.He became ill after returning from a three-week trip to the southwest coast of Mexico, his native country that he left in 2003 to move to the United States, the paper says. The report still doesn’t provide the man’s name or the exact spot in Mexico he visited.In Mexico, he ate ceviche and soft boiled turtle eggs and went fishing in the ocean, but those food choices and activities played no role in coming down with the virus, Swaminathan said. He and other family members were bitten by mosquitoes, leading him and several others to come down with Zika.His son, a healthy 38-year-old, became sick five days after visiting his father in the hospital and was diagnosed with Zika. He recovered and later told doctors that he had helped nurses care for his father, including wiping his eyes without gloves.None of the nurses or doctors who treated his father became sick, or did other family members. Health officials and researchers tested mosquitoes in the Salt Lake City area and didn’t find any Zika-infected bugs.The virus causes only a mild illness in most people. But during recent outbreaks in Latin America, scientists discovered that infection during pregnancy has led to severe brain-related birth defects.Researchers in this new report concur with a previous assessment by the U.S. Centers for Disease Control and Prevention that the son contracted the virus through a new method other than the two main sources: mosquito bites and sexual activity with an infected person.But Swaminathan said the findings don’t mean people visiting Zika-infested areas and countries need to wear gloves all of the time. They believe the rare transmission happened primarily because the father’s extremely high levels of the virus.“There’s no risk of shaking hands with a person who has a typical Zika infection,” said Swaminathan, who treated the two.last_img read more

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Panay, parts of Negros under signal No. 1

first_imgPhoto courtesy of DOST PAGASA The rainfall outlook between Tuesday morningand Wednesday morning will be frequent to continuous heavy rains over MetroManila, the Bicol Region, CALABARZON, Central Luzon, Mindoro provinces,Marinduque, and Romblon. ILOILO City – The whole island of Panay,Guimaras and the northern portion of Negros Occidental were placed undertropical cyclone warning signal No. 1 yesterday afternoon. Typhoon “Tisoy” (international name:“Kammuri”) has entered the Philippine Area of Responsibility. It was moving west at 20 kph with maximumsustained winds of 140 kph near the center and gustiness of up to 170 kph. “Tisoy” is forecast to make landfall overBicol Region between Dec. 2 in the evening and Dec. 3 early morning. Other areas placed under signal No. 1 werenorthern and Metro Cebu, Biliran, Sea travel is also risky, especially for smallsea crafts, over the seaboards of said areas. The covered areas in northern NegrosOccidental were Bacolod City, Bago City, Cadiz City, the municipalities ofCalatrava, Manapla, Murcia, Pulupandan, Don Salvador Benedicto, Toboso,Valladolid, and EB Magalona, Escalante City, La Carlota City, Sagay City, SanCarlos City, San Enrique, Silay City, Talisay City, and Victorias City. All local DRRM councils did the same. At 4 p.m. yesterday, the center of “Tisoy” wasat 595 km east of Virac, Catanduanes. “Also, ensure that your respective evacuationcenters are prepared as part of preemptive measures,” said Nuñez. “Blue alert” means all DRRM councils andconcerned agencies (Department of Interior and Local Government, Armed Forcesof the Philippines, Philippine Coast Guard, Department of Social Welfare andDevelopment, Department of Health) will monitor the situation in theirrespective areas at all times and to file situation reports to the OperationsCenter of the RDRRMC./PN In Iloilo City, on Nov. 29 Mayor Jerry Treñasissued Executive Order No. 148 raised “blue alert” status in the city andactivating the Iloilo City Emergency Operations Center to provide command,control, coordination, and communications” in preparation for “Tisoy.” Light to moderate with occasional heavy rainswill be experienced over Aklan, Capiz, northern portion of Antique, and therest of Luzon. In areas under tropical cyclone warning signalNo. 1, classes in preschool and kindergarten in both public and private schoolsare deemed automatically suspended. Pagasa also advised residents in these areas,especially those living in areas identified to be highly or very highlysusceptible to flooding and rain-induced landslides, to take appropriateactions, coordinate with local disaster risk reduction and management offices,and continue monitoring for updates, especially the thunderstorm or rainfalladvisories and heavy rainfall warnings to be issued by Pagasa Regional ServicesDivisions. Yesterday, Office of Civil Defense (OCD)Region 6 director Jose Roberto Nuñez, chairperson of the Regional Disaster RiskReduction and Management Council (RDRRMC), raised the alert status of the RDRRMOperations Center to “blue”, thereby placing all concerned agencies on standby. Leyte, and Southern Leyte, parts of Luzon, andDinagat and Siargao islands in Mindanao.last_img read more

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NBA: LeBron James brushes off criticism from President Trump

first_img Promoted Content10 Awesome TV Series That Got Cancelled Way Too SoonThe Very Last Bitcoin Will Be Mined Around 2140. Read MoreCouples Who Celebrated Their Union In A Unique, Unforgettable WayBirds Enjoy Living In A Gallery Space Created For ThemInsane 3D Spraying Skills Turn In Incredible Street ArtWhich Country Is The Most Romantic In The World?Best & Worst Celebrity Endorsed Games Ever MadePlus-Size Babes Who Will Make Your Heart Race7 Mind-Boggling Facts About Black Holes7 Things That Actually Ruin Your PhoneTop 10 TV Friends Who Used To Be Enemies7 Black Hole Facts That Will Change Your View Of The Universe Los Angeles Lakers superstar LeBron James hit back at Donald Trump on Wednesday after the US President branded NBA stars who kneel during the national anthem “disgraceful.” The two-time Olympic gold medalist and four-time NBA Most Valuable Player rebuked Trump’s comments in the aftermath of a 105-86 loss to Oklahoma City in the Orlando bubble as the league restarts following a four-month COVID-19 shutdown. James smiled when asked about Trump’s comments that he did more for the black community than any president except maybe Abraham Lincoln, who freed slaves in the 19th Century. Read Also: No Liverpool switch for Real Betis defender “Well, we lost one guy,” Rivers said of the reduced NBA viewership. “We know that justice is on our side. This hat that I’m wearing is what our President is trying to get us to not to, which I think is just as disgraceful.” FacebookTwitterWhatsAppEmail分享 “Trying to make me laugh right now? I appreciate that,” James said. Trump told Fox News he turns away when he sees players kneel during the anthem, although players have said the move is to protest police brutality and social injustice, and is not an insult to the flag, military or nation. “I think it’s disgraceful,” Trump said. “We work with (the NBA). We work very hard trying to get them open. I was pushing them to get open. And then I see everyone kneeling during the anthem. It’s not acceptable to me. “When I see them kneeling, I just turn off the game. I have no interest in the game. When I see people kneeling during the playing and disrespecting our flag and disrespecting our national anthem, what I do, personally, is turn off the game.” Trump need not hurry to turn on the NBA again, James said. “I really don’t think the basketball community are sad about losing his viewership, him viewing the game,” James said. – ‘We could care less’ – “The game will go on without his eyes on it. I can sit here and speak for all of us who love the game of basketball and we could care less.” James noted global support and respect for the NBA.center_img Loading… “Our game is in a beautiful position and we’ve got fans all over the world,” James said. “Our fans love and respect what we try to bring to the game, what’s right and what’s wrong.” Trump took aim at NBA ratings and tossed in a dig at those who have kneeled during anthems in Major League Baseball, although both have enjoyed above-average viewership since making their returns in recent weeks after long COVID-19 breaks. “The ratings for the basketball are way down, if you know. And I hear some others are way down, including baseball. Because all of the sudden, now baseball’s is in the act,” Trump said. “We have to stand up for our flag. We have to stand up for our country. We have to stand up for our anthem. And a lot of people agree with me. “Hey, if I’m wrong, I’m going to lose an election. OK. And that’s OK with me. But I will always stand for our country and for our flag.” James was looking forward to the US Presidential voting on November 3 also. “November is right around the corner and it’s a big moment for us as Americans,” James said. “We talk about we want better, we want change, and we will have (that opportunity).” Los Angeles Clippers coach Doc Rivers spoke about Trump earlier, the election on his mind as he wore a cap that had “Vote” on the front.last_img read more

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