first_img The show is a production of the University of Georgia College of Agricultural and Environmental Sciences and PFC Holding Company. The Georgia Gardener is a show designed specifically for Georgians. It airs at 7:30 p.m. Thursdays and 10 a.m. Saturdays on GPTV. It’s a three-step process. Reeves shows how to (1) fertilize, to stimulate new growth and new flowers; (2) deadhead, to remove faded flowers and encourage more blooms; and (3) replace weak plants and replace them with healthy ones. Annual flowers make summer more beautiful, but they need a little help to look their best. On “The Georgia Gardener” Aug. 5 and 7, host Walter Reeves shows a simple approach to making the most of your summer annuals.center_img Finally, Reeves visits a beleaguered Burford holly and finds a dramatic problem with insect pests. And sometimes, he says, the solution to such attacks isn’t easy. Reeves also talks with Hank Bruno, trails manager at Callaway Gardens. Bruno shows how to get a drooping azalea limb to make a whole new plant the easy way.last_img read more

first_imgFor more information, call Estes Reynolds at (706) 542-2574. Or e-mail him. Ironically, the Sept. 11 terrorist attacks forced the cancellation of a Sept. 13-14 workshop on a topic the attacks made even more important to shoppers: food safety. The workshop has been rescheduled. The American Meat Science Association’s “Improving Your Sanitation Program” for meat and poultry processors will now be Nov. 29-30. It’s set for the Georgia Center for Continuing Education on the University of Georgia campus in Athens, Ga.The two-day, comprehensive workshop will begin at 7:45 a.m. Nov. 29. It will fill two full days with timely classes, ending around 5 p.m. Nov. 30. The comprehensive course was developed in cooperation with Virginia Tech and UGA food scientists.The course is designed for anyone responsible for meat or poultry processing plant sanitation, including quality control supervisors, HACCP coordinators, plant engineers and production managers.A $395 fee covers the course materials, a reception Thursday evening, two luncheons and refreshment breaks. Preregistration is required before Nov. 16. Just get a form off the Web and fax it to (706) 542-9066.last_img read more

first_imgUniversity of GeorgiaExperts from across the Southeast will share their knowledge Dec.5-6 during the annual Turfgrass Institute and Trade Show at theGwinnett Civic and Cultural Center in Duluth, Ga.This year’s event includes many educational opportunitiesfeaturing some of the turf industry’s top speakers. The leadingcompanies will also be on hand at the institute’s trade show.University of Georgia scientists will present workshops on:* Integrated pest management for ornamentals and turf.* Weed management in tall fescue and zoysia grass.* Management and history of sand-based root zones.* Organic, natural or integrated pest management.* New products and technologies.* The nuts and bolts of turfgrass fungicides.* Basic turfgrass management for Hispanic employees.* Pesticide storage and handling.Scientists from Mississippi State University, the University ofArkansas and Emory University will share their expertise, too.The institute includes a trade show with exhibits from more than50 turf-related companies and associations, with silent auctionseach day. The trade show will also include appearances by theAtlanta Falcon cheerleaders.The cost to attend both days is $180 ($130 for Georgia TurfgrassAssociation members). After Nov. 10, it’s $230 ($180 for GTAmembers) for both days.One-day fees are $140 ($90 GTA), or $190 ($140 GTA) after Nov.10. The fee for the trade show and luncheon only, for either day,is $20 ($15 GTA) or $25 ($20 GTA) after Nov. 10.For more on the Turfgrass Institute and Trade Show, or to signup, call (800) 687-6949. Or e-mail the GTA office atgta@turfgrass.org. A program of the event can also be downloadedat www.turfgrass.org/PDF/Attendee_Registration.pdf.GTA presents the institute in cooperation with UGA and 11turf-related associations.last_img read more

first_img“The personal loan is hip again…” or so says Laura Alix in her recent American Banker article, “We’re not kidding: the personal loan is back.” The article explains that use of unsecured personal loans is on an uptick, especially among millennials, who in 2015 “took out fewer mortgages and credit cards and relied more heavily on personal loans and auto loans.” The writer’s conclusions are based on a study by TransUnion, which also recently revealed that consumers tend to pay their unsecured personal loans first, even before mortgages and car loans.  TransUnion included unsecured personal loans in its study for the first time since it began analyzing payment behaviors in 2010. The reason? The meteoric growth in the number of these types of unsecured loans, facilitated largely by the influx of online lenders and Fintech firms.Many financial institutions—ranging from large institutions like Suntrust, TD Bank and Fifth Third to community institutions like Pinnacle Bank in Georgia, The Fauquier Bank in Virginia and FMB Bank in Florida—have capitalized on the favorable market conditions by offering unsecured personal loans from their company websites.While many financial institutions have given up on smaller consumer credit due to lack of efficiencies, compliance risks and the cost of adverse action denials, financial institutions that have embraced digital lending technology have seen positive loan growth according to a Moebs Services study… and here’s why:Digital technology—which allows members to apply for and be approved for loans in just minutes, any time, from their computers or smart devices—makes the lending process efficient, profitable and a highly appealing way for members to interact with your credit union. The experience. Mobile-focused consumers, especially millennials, demand a positive digital experience in dealing with their financial institutions. According to TransUnion, consumers like the anonymity of applying for a loan online, not to mention the ease of uploading documents and e-signing. This digital connection is so important, in fact, that 38% of consumers say they have reduced how often they bank somewhere due to a poor digital experience, according to an MX Consumer Survey.Existing member base. More than seventy percent of consumers at the average financial institution have no non-mortgage loans at the institution, yet they hold nearly $10K in unsecured credit elsewhere. Credit unions can re-capture this lost loan revenue by appealing to their established member base–using the credit union’s own documented compliance standards–with digital personal loans. Efficiency. Credit unions can compete with online lenders and other credit sources by adopting an end-to-end technology solution that automates the entire loan process, from application and underwriting to set up, review and renewal. This automation can reduce the cost of processing and managing a loan from approximately $2,400 to $200 or less. A Banking Exchange article reported that institutions using this technology “have seen what nonbank lenders are doing and adopted it—namely moving away from traditional underwriting methods to using decisioning software.” Is your credit union ‘hip’ to offering personal digital loans? Watch the video, “Digital Lending 101” to learn more. 45SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Trevor Knott Trevor Knott is a strategic marketing veteran who has spent much of his 20-year career developing marketing and distribution products and services for top-tier banks and suppliers to the banking … Web: www.bsgfinancial.com Detailslast_img read more

first_imgMore than 50,000 Indonesians will worry less than the rest of us about COVID-19, because they have already contracted and recovered from the disease. While the numbers of infections and deaths keep rising as the pandemic shows no signs of letting up, so too does the number of people who have coveted antibodies.As of Thursday, 55.7 percent of all Indonesians confirmed as COVID-19 positive have been cleared of the infection, according to National COVID-19 task force spokesperson Wiku Adisasmito.That figure is up from fewer than 4 percent in March, as the recovery process typically takes several weeks. The task force also reported that the national fatality rate had gradually decreased, while the absolute number of daily deaths was fluctuating.At first, the average COVID-19 death rate in the country was 4.89 percent in March and it increased to 8.64 percent in April, Wiku said. However, it began to decline to 7.66 percent in May and to 5.56 percent in June.The highest maximum death rate within a month was reported in April with 9.5 percent. In July, the maximum death rate decreased to 5.08 percent, while the average death rate was 4.86 percent. “We are close to the world’s average death rate, which is 4.2 percent,” said Wiku.As of Friday, the official COVID-19 death toll made public by the government stands at 4,665 after the Health Ministry reported 89 new deaths.Read also: Sinovac COVID-19 vaccine to undergo Phase III clinical trials in BandungWiku said the declining death rate was made possible by better COVID-19 case management in hospitals and more health workers having adequate knowledge of COVID-19 handling.Indonesia now has 23,519 isolation rooms and 188,510 isolation beds in 839 COVID-19 referral hospitals across the country, according to the task force’s data.Despite what the government described as encouraging developments regarding the COVID-19 situation, Wiku asserted that the public should remain disciplined by complying with health protocols.“Let’s remind each other to wear masks and wash our hands regularly. COVID-19 cases are still found in public places, tourist attractions and other places where crowds are present,” he said.Topics : “We must be optimistic but remain vigilant. If patients under self-isolation see their condition worsen, they should immediately go to the hospital before it’s too late,” Wiku said in a press briefing on Friday.The daily number of recovered patients saw increasing trend over nearly the past two weeks. For instance, Wiku said, the government’s data recorded 878 new recoveries on July 10 and the number had increased to 1,909 on July 23. The highest one-day increase was recorded on July 19 when 2,133 patients were declared to have recovered.The official tally of COVID-19 infections in the country stands at 95,418 cases as of Friday, with the government reporting 1,781 new recoveries, bringing the total of recovered patients to 53,945.Read also: MPR speaker worries as govt stops broadcasting daily virus updateslast_img read more

first_imgApr-18 Consultancy firm LCP, which advised the Littlewoods trustees, said the deal would help to improve the scheme’s funding position as well as helping to reduce its downside risks. PIC Marks & Spencer 450 The trustees of the Littlewoods Pensions Scheme (LPS) have sealed an £880m (€1bn) pensioner buy-in deal with Scottish Widows in the latest sign of an increasingly buoyant bulk annuity transfer market.Under the terms of the transfer, the risks associated with 60% of the scheme’s liabilities have passed to the Edinburgh-based life insurance and pension company, which will now provide a monthly income to the trustee on behalf of the fund’s approximately 7,000 members.The move represents Scottish Widows’ largest bulk annuity transfer to date. So far the insurer has completed 17 deals, accounting for more than 25,000 pension scheme members.Colin Thwaite, chairman of the trustees for the scheme, said: “The attractive pricing of the transaction has closed the gap to being fully funded and further reduces the risk profile of our investments to meet members’ pensions.” Buy-in Prudential Longevity swap May-18 Rothesay Life Aviva Sea Containers 1983 Scheme 150 May-18 Post Office Rothesay Life Feb-18 Unnamed scheme L&G Rothesay Life Toshiba Buy-in Buy-in Feb-18* Marks & Spencer 140 Feb-18* Mar-18 Buy-in Feb-18* Credit: Ben Sutherland Littlewoods was broken up in 2004 and is now part of Shop Direct“Our role as specialist adviser is to get the focus of insurers who are choosing where to allocate their best pricing,” said David Stewart, partner at LCP.  “The pricing negotiated surpassed the trustee’s original expectations and moves them significantly forwards towards full de-risking.”More than £19bn of bulk annuity transfer deals, longevity swaps, buy-ins, and buyouts have been struck so far this year, according to JLT Employee Benefits. The figure is fast approaching the total £21bn worth of transactions realised in 2017. A decade ago approximately £8bn was transferred, with the market peaking in 2014 at £34bn.This year’s tally was boosted significantly by Rothesay Life’s £12bn acquisition of part of Prudential annuity book in the first quarter.There has also been a series of transfers in excess of £1bn struck in the early months of 2018, including the £2bn National Grid Electricity Group longevity swap with Zurich and Canada Life Re; and the £1.4bn Marks and Spencer buy-in deal, which was split between Aviva and Phoenix.JLT said that the average transfer size had also risen since 2017. “Deals executed last year ranged from £100m-£900m, with no individual transaction exceeding £1bn,” the company said.“Current insurer pricing is providing an attractive entry point for schemes across the market, with improving funding levels and rising sponsor interest feeding trustee demand.”Transactions announced in 2018: Bulk annuity back book Kingfisher PIC National Grid Electricity Group PPF+ Feb-18 WPP (five schemes) Aviva Buyout 2,000 Source: JLT Employee Benefits* Although announced in February 2018, transactions marked with an asterisk traded in the second half of 2017 May-18 475 DateScheme / FirmInsurerSize (£m)Type of transaction 209 Zurich/Canada Life Re 12,000 170 925 Phoenix Buyout 190 PPF+last_img read more

first_imgJapanese oil and energy companies Showa Shell Sekiyu and Idemitsu Kosan have reached an agreement to combine their very large crude carriers (VLCCs) as part of the companies’ merger arrangements.Under the deal, the parties would jointly operate some 20 VLCCs, with loadings scheduled to start after May 2017.The agreement includes sharing vessel positioning of all ships, as well as lending and borrowing of VLCCs between the parties.The companies would also jointly work on bunker fuel procurement as part of the alliance, to be called Brighter Energy Alliance.Signed on May 9, the deal was entered into as the business environment surrounding the companies “is becoming more challenging.”“We will form the alliance as equal business partners, and extensively deepen our business collaboration while restarting or accelerating the processes for the integration,” the parties said.The alliance would focus on optimization of crude oil purchase and transport, production planning, interchange of finished products and intermediate products, and improvement of efficiency of logistics network.last_img read more

first_imgCable assessment experts Wirescan and high voltage engineering specialists EDS HV Group (EDS), have carried out LIRA testing at the HVDC link on SSEN Transmission’s Caithness-Moray project.Drew Boa, SSEN Transmission’s HVDC Project Engineer, said: “The initial ‘fingerprint’ LIRA measurements on our Caithness-Moray subsea cable are the first for SSEN Transmission, and mark the beginning of a long-term asset management plan to monitor the conditionof the 160km circuit throughout its serviceable life. This monitoring programme will help us better understand the behaviour and ageing process of the asset, as well as helping to identify and rectify any developing risks at an early stage. By taking this proactive approach to cable asset management, we are not only aiming to reduce ongoing operational risks, we are ultimately looking to improve the future reliability of electricity transmission from the north of Scotland to the south and beyond.”The two organisations responded quickly to SSEN Transmission’s request for testing, with EDS mobilising a trained LIRA test engineer equipped with the latest LIRA Acquire software and hardware to efficiently perform the test.Morten Huseby, CEO, Wirescan AS said: “This is a new important step in our journey to fulfil the ambition and provide a streamlined integrated offering to our customers through solid partnerships. EDS’s professionalism and high skill set means that they were the obvious choice for Wirescan when deciding who to entrust with our technology.”Marc Glenn, technical projects manager, EDS HV Group, added: “This joint effort demonstrated our collective power and the increased value that we can bring to the market. We are proud that Wirescan has chosen to partner with EDS, demonstrating their recognition of our skills and capabilities.”LIRA technology (Line Impedance Resonance Analysis) is a breakthrough solution in assessing the condition of both de-energized and energized cables. It has been utilized in all segments of the cable market. Today Wirescan is entering the industry with Wirescan Digital, an automated cloud-based solution providing users with new opportunities in cable condition assessment and monitoring.last_img read more

first_imgNew York Times 16 May 2014More than 10,000 American toddlers 2 or 3 years old are being medicated for attention deficit hyperactivity disorder outside established pediatric guidelines, according to data presented on Friday by an official at the Centers for Disease Control and Prevention.The report, which found that toddlers covered by Medicaid are particularly prone to be put on medication such as Ritalin and Adderall, is among the first efforts to gauge the diagnosis of A.D.H.D. in children below age 4. Doctors at the Georgia Mental Health Forum at the Carter Center in Atlanta, where the data was presented, as well as several outside experts strongly criticized the use of medication in so many children that young.The American Academy of Pediatrics standard practice guidelines for A.D.H.D. do not even address the diagnosis in children 3 and younger — let alone the use of such stimulant medications, because their safety and effectiveness have barely been explored in that age group. “It’s absolutely shocking, and it shouldn’t be happening,” said Anita Zervigon-Hakes, a children’s mental health consultant to the Carter Center. “People are just feeling around in the dark. We obviously don’t have our act together for little children.”Dr. Lawrence H. Diller, a behavioral pediatrician in Walnut Creek, Calif., said in a telephone interview: “People prescribing to 2-year-olds are just winging it. It is outside the standard of care, and they should be subject to malpractice if something goes wrong with a kid.”http://www.nytimes.com/2014/05/17/us/among-experts-scrutiny-of-attention-disorder-diagnoses-in-2-and-3-year-olds.html?ref=health&_r=1last_img read more

first_imgThe 7th Grade Lady Cardinal St. Louis Volleyball team fell short against the Greensburg Lady Pirates 25-16, 25-20.  Rachel Suttmann led the team with 6 points followed by Cora Roth with 4 points, Kalli Obermeyer with 3 points, Lucy Abplanalp and Sophia Hohenstein with 2 points and Jaelyn Owens with 1 point. Ashley Hunter picked up the ball on defense to give the Cardinals a chance at the net.   The St. Louis Cardinals 8th Grade Volleyball team suffered their first loss of the season against the Greensburg Lady Pirates 25-21, 25-15. Ava Owens and Lilly Schebler served up 4 points each. Isabelle Wonnell jump served 3 points followed by Kate Weber and Ingrid Tuveson with 2 point each and Rhea Miller with 1 point. Maggie Beiser and Ella Moster passed solidly so the team could setup the offense.  The offense was led by Catherine Streator and Claire Saner has several strong hits at the net.Courtesy of Cardinals Coach Jennifer Meer.last_img read more