first_img Image source: Getty Images “This Stock Could Be Like Buying Amazon in 1997” Anna Sokolidou | Thursday, 4th June, 2020 Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Simply click below to discover how you can take advantage of this. Why should I stop trading and start investing for the long term? Isn’t it better to buy low and sell high? In this article I’ll explain why it is worth acquiring good-quality assets for the long time.Trading vs. InvestingBenjamin Graham, the “father of value investing”, said “An investment operation is one which, upon thorough analysis promises safety of principal and an adequate return. Operations not meeting these requirements are speculative.” This basically means conducting good analysis before buying a stock. And of course there should be an adequate risk-reward tradeoff. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Meanwhile, his most capable student, the famous American billionaire Warren Buffett, keeps his investment holdings for years if not decades. In his view investing shouldn’t just be reasonably safe, provide an adequate return, and result from detailed analysis. It should also be buying for the long term.In contrast, trading or buying for the short term can be considered ‘speculating’. Why is that? Well, it is possible to value an asset but it is virtually impossible to accurately predict where the price of that asset will head in the near term. For example, no one expected the coronavirus pandemic and that the markets would crash as a result. However, if an investor had a portfolio of undervalued good-quality stocks before the outbreak, they would have suffered limited book losses. If this investor holds these kinds of shares for a long time, they would end up benefitting from the gradual appreciation of their portfolio. Moreover, many profitable high-quality companies also pay dividends. This alone makes investing in these shares for a long time look worthwhile. Finally, trading is also quite costly. Of course, it depends on your bank or brokerage account. But normally the more you trade, the more you pay.How to make £1mI’d indeed follow Ben Graham’s and Buffett’s strategy. By this I mean that I’d prefer investing in equities for the long term after conducting very thorough analysis. This would involve calculating the company’s price-to-earnings and price-to-book ratios. The dividend yield would also be important. However, I’d also check the company’s sales revenue and earnings history. After having a look at all these factors, I’d check the credit ratings agencies’ views of the company. The higher their ratings are, the safer the investment is. Finally, looking at qualitative information such as consumer tastes, the company’s product portfolio, and recent corporate news would also allow me to assess whether the company has a good future.All that is really important. Equally important is keeping some of your ‘powder dry’. By this I mean keeping a large cash cushion. This is because there might be some market volatility ahead. A second COVID-19 wave, a prolonged economic recession, and a hard Brexit are risks that all add up to uncertainty. However, I would not recommend being afraid of them. Every stock market crash also offers some great investment opportunities. But in order to benefit from them, you have to have cash. To sum up, my plan to make £1m includes buying ‘good-quality’ stocks for the long term but also keeping some cash to take advantage of the next stock market crash. I think that there are plenty of opportunities currently available for UK investors. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool.center_img Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. See all posts by Anna Sokolidou Stop trading and start investing! My simple plan for a £1m ISA Our 6 ‘Best Buys Now’ Shareslast_img read more

first_imgLATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Wycliff Palu (L) and Dean Mumm (R) Second rower Dean Mumm and No. 8 Wycliff Palu have re-signed with both Australian Rugby and the NSW Waratahs for another season. The pair have recommitted until the end of 2012, becoming the ninth and 10th off-contract players to have re-confirmed their playing futures in Australia this year.Palu made his state debut in 2003 and had his Super Rugby introduction two years later, before playing his first Test for Australia against England in 2006. The damaging ball-runner returned to duty during the Waratahs loss to the Cheetahs in Sydney two weeks ago, after an almost year-long absence from the field because of a knee ligament injury.He featured in the most recent of his 36 Tests when Australia beat Wales 33-12 in Cardiff to close the 2009 Spring Tour. The match was, at the time, the 19th, from a possible 28 Tests, to have featured the 28-year-old Manly club loose forward since the start of 2008. This year, he is bidding to attend his second Rugby World Cup after participating in the 2007 tournament in France.“Like everyone, it [the Rugby World Cup] is a massive goal for this year, but my decision to stay goes beyond that,” Palu says. “I’m a bit like all of the other guys who have re-signed recently: I’m really enjoying my rugby, at both state level and with the Wallabies, and want to keep going with it.“A lot of work has gone in over the last few years to build the Wallabies up, and you can sense that the team is on the up again and that some good times are ahead. It won’t be easy but I would like to see where things lead. I’m not alone in feeling that way.”Palu admits that the retention of so many of his state and national team-mates, including his good mate Tatafu Polota Nau, had been a lever in his own decision to stay, given that he did have other options.“It did play a part. We can all see the potential that is there, but we are only going to be able to fulfil that if we all stay around and stick together. Having been forced to watch for so long while I came back from injury, I’m looking forward to now being able to do my bit.”Palu showed Lazarus-like qualities during his last Wallaby tour, returning to star during the tour-ending drubbing of Wales on the 2009 trip only seven days after he had been taken from Murrayfield on a stretcher during the loss to Scotland.“Playing for Australia alongside my mates has always been important for me,” he says. “It was back then and nothing’s changed.”Friday night will see Palu line-up alongside his mates to make the 65th appearance of his Super Rugby career when the Waratahs host the Chiefs at the Sydney Football Stadium. Mumm will also be out there. He made his Super Rugby debut for the Waratahs against the Lions in 2007, and was introduced to the Test side the following season during Australia’s 18-12 win over Ireland in Melbourne.The brother of Sydney University coach Greg Mumm, and the son of Australian Rugby Union board member John Mumm, Dean enters 2011 having appeared on 32 occasions in Test matches for the Qantas Wallabies. He has missed just nine games since his international debut.The 27-year-old also captained the midweek Wallaby team to victories against Gloucester and the Cardiff Blues during the 2009 Spring Tour, and has twice led the Waratahs in Super Rugby matches.“Playing for the Wallabies was a massive honour when I first had the opportunity, and the aspiration to wear the national jersey remains,” Mumm says.Mumm is one of 28 new Test players to have been capped since Robbie Deans became Wallabies coach in 2008 and says sharing the experience with a large number who had come in at a similar time had provided incentive to stay in the country and keep going.“Obviously I started with the Wallabies at a time where there was a fair bit of change going on with a new coach, new ideas and an influx of new personnel but, while there have been a few bumps in terms of our performance, the consistency is coming,” Mumm says.“We saw that through the performances at the back end of the Tri Nations last year, and then on the Spring Tour. Those games; and especially the matches against South Africa in Bloemfontein, New Zealand in Hong Kong and France in Paris are great reference points for us heading into this year. They showed what the team is capable of, and also where we might get to if we can keep building on what we have created so far.center_img “Certainly the World Cup in New Zealand later in the year is a major goal, as is the Bledisloe Cup and Tri Nations tournament before it, but I think we are all thinking even beyond those events, in terms of where we think the team might get to. While I can’t speak for any of the others who have recently re-signed to stay on longer, actions do speak louder than words at times. The fact that so many off-contract guys want to stay put says to me that, like me, they can see some great possibilities ahead.”The full list of players that have re-signed with the Australian Rugby Union this year is: Adam Ashley-Cooper (NSW Waratahs), Stephen Moore (Brumbies), Ben Alexander (Brumbies), Drew Mitchell (NSW Waratahs), Berrick Barnes (NSW Waratahs), Tatafu Polota Nau (NSW Waratahs), Rob Horne (NSW Waratahs), Lachie Turner (NSW Waratahs), Dean Mumm (NSW Waratahs), Wycliff Palu (NSW Waratahs).last_img read more

first_img Advertisement Howard Lake | 8 February 2011 | News Tagged with: affiliate marketing Digital Trading  169 total views,  1 views today Cashback site Pouring Pounds offers ongoing referral income PouringPounds.com is a new cashback website which enables charities to earn income from their supporters’ online shopping purchases.It offers two methods by which charities can receive income. First, customers accessing one of over 2,000 retailers’ websites through Pouring Pounds, will make a purchase as normal and receive a percentage of the value back as cashback. They can then choose to donate all of some of this sum to a charity of their choice. They do not have to have been driven to the site by the charity.Secondly, Pouring Pounds rewards charities that do drive supporters to the site. Through its referral programme, any charity which is signed up to Pouring Pounds will get 10% of the cashback of every user that they recommend, at no expense to the user. In addition each member would get twice the standard joining bonus for joining through a charity; so they would get £5 rather than £2.50.This referral programme is ongoing so future purchases by charities’ supporters should generate further income.In its launch week Pouring Pounds is encouraging charities to register to benefit from the site, and then promote their unique referral link (UK Fundraising’s is www.pouringpounds.com/r=ukfund ) via Facebook, Twitter, email newsletters and other social media presences.Pouring Pounds was set up by Swati Bhargava after five years at Goldman Sachs. The company is part of the Microsoft BizSpark programme which is designed to help accelerate the success of entrepreneurs and early-stage startups globally.www.pouringpounds.com About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1  170 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1last_img read more

first_img 365 additional cases of Covid-19 in Republic Twitter Twitter 75 positive cases of Covid confirmed in North Google+ Google+ Main Evening News, Sport and Obituaries Tuesday May 25th Previous articleHarley calls for changes to EU road contract rulesNext articleQuinn says Carrigart Beach impasse could take two weeks to resolve News Highland Facebook WhatsApp Pinterest Partner of Marie Fleming says HSE demanded proof she was dyingcenter_img By News Highland – November 26, 2013 News The partner of Marie Fleming has revealed the HSE demanded documented proof that the terminally ill woman is dying, as part of a review of her medical card.The 59 year old MS sufferer made headlines earlier this year for her failed Supreme Court bid to protect Tom Curran from prosecution, should he help her take her own life.He’s told Irish Daily Mirror that the HSE has asked for proof of how ill the former university lecturer is.However its understood the health authority has told Marie she can keep her medical card, and that the request for documentation was only made as part of a routine procedure. Pinterest Man arrested on suspicion of drugs and criminal property offences in Derry WhatsApp RELATED ARTICLESMORE FROM AUTHOR Further drop in people receiving PUP in Donegal Facebook Gardai continue to investigate Kilmacrennan firelast_img read more

first_img Facebook Pinterest RELATED ARTICLESMORE FROM AUTHOR Homepage BannerNews Twitter Google+ The N15 Donegal/ Sligo road has reopened following a fatal overnight collision.A 53-year-old male pedestrian was struck by a car at approximately 11:05pm last night in the townland of Lisalurg.The man was removed to Sligo University Hospital where he was pronounced dead a short time later.Investigations are ongoing and Gardaí are appealing for witnesses to contact Sligo Garda Station 071-915 7000, the Garda Confidential Line 1800 666 111 or any Garda Station. DL Debate – 24/05/21 Arranmore progress and potential flagged as population grows Facebook Pinterest News, Sport and Obituaries on Monday May 24th center_img Twitter WhatsApp Previous articleRuaille Buaille le Colm Feiritéar 3/4/18Next articleTyler Toland ruled out of Republic’s World Cup Qualifiers News Highland Google+ Main Donegal/ Sligo road reopens following fatal collision WhatsApp Important message for people attending LUH’s INR clinic By News Highland – April 5, 2018 Loganair’s new Derry – Liverpool air service takes off from CODA Nine til Noon Show – Listen back to Monday’s Programmelast_img read more

first_imgThe Greencastle Coast Guard unit were tasked to an incident late last night at Malin Head.The Greencastle Unit of Irish Coast Guard were paged by Malin Head Coast Guard MRSC at around 10:40pm.Three men in their 20s from Derry City who had been rock climbing at an area called Hell’s Hole at Malin Head required assistance when one of the party became trapped approximately 150 feet down the cliff and suspended about 20 feet over the incoming tide.When the Greencastle Coast Guard unit arrived on scene they set up their cliff rescue equipment on the cliff top above the trapped climber.A second climber in the party was located on a ledge half way down holding a rope attached to his trapped friend.The Coastguard says; as this location is very dangerous and the rock face is unpredictable with loose rock, the rescuers proceeded to slowly and carefully lower two members of the team down the cliff.Just after midnight the first climber reached the casualty at the bottom of the cliff and secured him to the rescue lines.The Coast Guard team on the top of the cliff then hauled both the casualty and the rescuer safely to the cliff top. The second climber was also safely guided to the top.Two of the party received medical attention from a waiting HSE ambulance and the trapped climber was removed to Letterkenny University Hospital as a precaution for hypothermia and suspension trauma.Greencastle Coast Guard Officer In Charge, Charlie Cavanagh, said; “the operation went smoothly and the weather conditions were favourable. He thanked James, a local farmer, for his assistance on scene and his volunteer members for a very professional job”.The casualty was released from hospital earlier this morning and is recovering at home. Twitter RELATED ARTICLESMORE FROM AUTHOR Rock climber rescued after getting into difficulty at Hell’s Hole Loganair’s new Derry – Liverpool air service takes off from CODA Google+ Nine til Noon Show – Listen back to Monday’s Programme Important message for people attending LUH’s INR clinic Twitter Arranmore progress and potential flagged as population grows DL Debate – 24/05/21 News, Sport and Obituaries on Monday May 24th center_img Pinterest Facebook WhatsApp Facebook By News Highland – May 29, 2019 WhatsApp Previous articleSwimming lessons will be offered at Malin Head pier this yearNext articleGardai assisting Dept of Agriculture investigation at farm near L’Kenny News Highland Google+ Homepage BannerNews Pinterestlast_img read more

first_imgTo perform this job successfully, an individual must be able toperform each essential duty satisfactorily. The requirements listedbelow are representative of the knowledge, skill, and/or abilityrequired. Skill in the use of personal computers and related softwareapplications. Ability to make administrative and procedural decisions andjudgments on sensitive, confidential issues. A thorough knowledge of: Business English and arithmetic; generaloffice methods, procedures and practices. Ability to plan, develop, and coordinate multiple projects. Ability to read and write at a level appropriate to the duties ofthe position. Ability to use independent judgment and to manage and impartconfidential information. Ability to gather data, compile information, and preparereports. Strong interpersonal and communication skills and the ability towork effectively with a diverse faculty, staff and student body andthe community. Excellent telephone courtesy knowledge and experience. Ability to coordinate and organize meetings and/or specialevents. Knowledge of standard budgeting and expenditure controlprocedures and documentation. Knowledge of finance, accounting, budgeting, and cost controlprocedures. Ability to interpret, adapt, and apply guidelines andprocedures. Skill in examining and re-engineering operations and procedures,formulating policy, and developing and implementing new strategiesand procedures Ability to make administrative/procedural decisions andjudgments. Ability to investigate and analyze information and to drawconclusions. Supplemental QuestionsRequired fields are indicated with an asterisk (*). Other duties may be assigned.1. Serve on the University’s Executive Council.2. Serve as the University’s chief marketing and public relationsofficer.3. Manage the daily operations of the Division of Marketing andCommunication.4. Serve as communication counsel to the President and othermembers of the Executive Council.5. Lead, develop and execute a comprehensive, long-term andproactive University-wide marketing, communication and brandingstrategy.6. Develop and manage campaigns that drive digital engagement andconversion, as well as components conducive to the enrollmentgrowth of the University.7. Build campaigns that clearly reflect the brand in strategicpositioning, visual presentation and in the content and tone.8. Work closely with Data & Analytics for ongoing analysis ofand reporting on campaign results, including formal Lessons Learnedand integration of learnings into future projects.9. Coordinate all external publications and advertising promotingthe University.10. Manage the University’s Website by supervising its content anddesign, and by overseeing its frequent updating.11. Seek media opportunities for the administration, students,faculty, and staff of the University.12. Work toward a successful achievement of the University’sStrategic Planning document by fulfilling the responsibilities ofthe Division of Marketing and Communication.13. Manage the creativity of the University’s marketingpublications, advertising, press releases, etc.14. Conduct frequent market research in the form of focus groups,mailed questionnaires, and telephone interviews. This researchshould be done in cooperation with the offices of the President,University Advancement, Admissions, Institutional Research, andothers as deemed by the President.15. Identify current and potential target groups and effectivelycommunicate the University’s message to them.16. Serve as the editor of the University’s magazine for alumni andfriends—Roundtable—and manage the responsibilities that pertain toits layout, design, content, publication and distribution.17. Maintain excellent relations with secular and denominationalmedia throughout California, the region, and the nation.18. Serve as the University’s official spokesperson by organizingand hosting press conferences and conducting mediainterviews.19. Position will require evening and weekend work and travel, avalid driver’s license, a good driving record and reliabletransportation.20. Stay abreast of trends in higher education marketing.21. Perform other duties as assigned by the President of CaliforniaBaptist University. Supervisory Responsibilities Is responsible for the overall direction, coordination, andevaluation of this unit. Carries out supervisory responsibilitiesin accordance with the organization’s policies and applicable laws.Responsibilities include interviewing and training employees;planning, assigning, and directing work; appraising performance;rewarding and disciplining employees; addressing complaints andresolving problems. Nondiscrimination Statement Special Instructions to Applicants The Vice President for Marketing and Communication serves asCalifornia Baptist University’s chief marketing and publicrelations officer. Under the supervision of the President, the VicePresident oversees the development and maintenance of amulti-faceted marketing, communication and media program thatincludes University newsletters, external publications, marketingmaterials and advertising; management of the University’s Web siteand its content and design; assistance with special events hostedby the University, particularly those connected with the Offices ofthe President, University Advancement, and other support andacademic areas; assistance with the design and content of directmailings; and daily relations with secular and denominational mediacontacts throughout California, the region, and the nation.In addition, the Vice President for Marketing and Communicationserves California Baptist University as the official spokespersonwith matters related to the media. This shall be done incooperation with the University President and the Executive Councilofficers.The Vice President for Marketing and Communication closelycoordinates annual goals and objectives to drive and support thoseinitiatives which seek to recruit prospective students and tobetter inform and involve current and future friends of theUniversity. Open Date11/04/2019 State and Federal law permit California Baptist University todiscriminate on the basis of religion in order to fulfill itspurpose. The University does not discriminate contrary to eitherState or Federal law. Classification Title Posting Details * Are you a Christian?YesNo Master’s degree or equivalent; or four to ten years relatedexperience and/or training; or equivalent combination of educationand experience.center_img Open Until FilledYes Essential Duties and Responsibilities Other Knowledge Skills and Abilities Remove from Web Posting NumberS773P Education and/or Experience Quick Link to Postinghttps://jobs.calbaptist.edu/postings/5133 If no, please explain (required):(Open Ended Question)* Are you both familiar with and not in conflict with thefundamental doctrines and practices of the California SouthernBaptist Convention as stated in the Baptist Faith and Message datedJune 14, 2000? (Please see above link for more information)Yes (I am familiar and not in conflict)No (I am in conflict or not familiar) Job TitleVice President for Marketing and Communication Summary * Do you attend church regularly?YesNo Applicant DocumentsRequired DocumentsResumeCover LetterOptional DocumentsOther DocumentOther Document 2Other Document 3Other Document 4last_img read more

first_imgMany Harvard graduates are moved to give back to the School that gave them so much. But few can claim they have done so for half a century.Ruth Gove, 92, and Marion Cameron, 83, are original members of the Harvard Extension Alumni Association (HEAA). With the association celebrating its 50th anniversary this year, the two of them met at the Harvard Division of Continuing Education. There, in front of stacks of immaculately preserved photos, magazines, bulletins, letters, and documents, they remembered the people, places, and events that shaped the School and their own lives, and inspired them to dedicate decades to the association.Gove (left) and Cameron at a recent alumni gathering. Credit: Jill Felicio“It’s [about] giving back, because I had received so much as a student,” Cameron said.Cameron and Gove attended Harvard Extension during a period when many women didn’t pursue a career, let alone a degree. But Gove had aspirations of becoming a special education teacher, and Cameron wanted to complement her health care background with classes in computer programming, and the School was — as it is to this day — a place where students of almost any age or education level could take affordable courses on their own schedule.“It was a time when my dentist would say to me, ‘How does it feel to be an oddball?’” Gove recounted. “Someone else would say, ‘How can you sit there and listen to those boring talks?’ And I kept thinking, if they only knew!”Many students who cannot pursue a traditional degree program find their academic community at the Extension School, which was founded on the idea that a College education should be accessible to anyone with the will to pursue it. The formation of the HEAA bolstered that mission.In 1968, Dean Reginald H. Phelps and two Extension School alumni, Ella Smith ’66 and Edgar Grossman ’66, established the HEAA to give graduates a network to support their personal and professional enrichment. Today, HEAA is under the umbrella of the Harvard Alumni Association (HAA), and members share many of the same benefits as other University graduates.The association keeps graduates connected and engaged, in part thanks to Cameron’s long involvement. At Smith’s urging, Cameron was on board from the beginning, serving as the HEAA’s president from 1980‒1982 and representing it on the HAA’s board of directors from 1983‒1985.“I took [Smith] at her word, and I never regretted a moment,” Cameron said.HEAA events introduced her to such notable figures as Mother Teresa, King Juan Carlos of Spain, Tennessee Williams, and violinist Itzhak Perlman. At $15 a class, the School took her from a job as a medical secretary to a career in medical informatics — making her a pioneer not only for women, but for the industry in general. At Massachusetts General Hospital, she worked with Dr. G. Octo Barnett in his Laboratory of Computer Science, where they helped initiate the use of computers in health care.,Cameron would achieve other firsts. During her time as HEAA president, she worked with Dean Michael Shinagel to get equity for Extension School alumni, and she helped earn the School its own shield.Like Cameron, Gove was first drawn to the Extension School for enrichment. She turned to education to keep herself occupied after her children were in school.“I began thinking I would rather prepare myself to do something which I hadn’t done before, and someone suggested I write to Harvard to ask about their programs,” Gove said. “I thought, ‘Well, my family comes first, but I’ll see how far I can go.’ All of a sudden, I was halfway through, and I knew I was going to get my degree. It changed my life.”After earning her bachelor’s degree Gove went on to Northeastern University for her master’s in special education, a field in which she worked for more than 20 years. Gove taught at St. Ann’s Home and School in Methuen before taking a job with Lynn Public Schools, where she helped establish a program for emotionally impaired students. She later was one of the first teachers at the Lynn Community Day School, a collaboration with the NSMC Union Hospital. Gove spent the last years of her career as the head teacher of special needs at Eastern Junior High School in Lynn.For Gove, staying involved in the HEAA throughout those years was a respite from a rewarding yet emotionally consuming career. “When you have a difficult job, a job that takes emotional energy, having something like that to attend to was a joy,” she said. It also gave her a social network of people with whom she made lifelong friends and traveled the world.Gove and Cameron were both integral players in continuing the Commencement Day alumni gathering at Weld Hall started by Smith. Each year, HEAA members gather on the second floor of Weld to watch the Commencement ceremonies in Harvard Yard, while socializing and gearing up for the alumni parade in to the Afternoon Exercises.The Weld gathering and the annual alumni banquet in Annenberg Hall are traditions that have endured since HEAA’s inception — as has Gove and Cameron’s attendance. Last year, Gove received the Michael Shinagel Award for Alumni Excellence at the banquet. This weekend, she’ll speak at the 50th anniversary luncheon at Loeb House.Asked why they would put in all the effort, decades later, Gove and Cameron said it was simple.“It was a testament to how much we appreciate what we received,” Cameron said.last_img read more

first_imgEighty youth participated in the online 2020 Georgia 4-H state poultry judging contest hosted on July 6 in collaboration with the University of Georgia Poultry Science Department.This evaluation competition is a culmination of many months, and sometimes years, of studying Georgia’s top agricultural industry. The event encourages youth to learn and understand the standards used in poultry and egg production. In addition, they learn the importance of marketing to the public and how to apply those learned skills in a realistic decision-making process. The poultry judging program teaches animal husbandry fundamentals as well as life skills including critical thinking, teamwork and oral communication.“The virtual judging format this year, while a bit more challenging, is still a great way for us as a university to interact with Georgia youth interested in agriculture and, specifically, poultry,” said Casey Ritz, UGA poultry science professor and Extension coordinator. “Unique opportunities such as these will hopefully be remembered by our youth and help to shape their futures. Even in trying times as we have, these events give us the opportunity to share with students the great programs and events available to them here at the UGA Department of Poultry Science.”In the virtual format, senior participants in grades nine through 12 evaluated classes through a PowerPoint presentation and online test of their evaluation skills. This contest includes nine classes for youth to apply egg and carcass grading as well as place live bird classes based on egg-laying productivity. In addition, participants must provide oral arguments justifying their decisions. The senior high individual and first place senior team will earn Georgia Master 4-H’er status. The state winning team will represent Georgia 4-H at the national 4-H poultry judging contest in Louisville, Kentucky, in November. The winners of the 2020 Georgia 4-H state poultry judging contest are:First place team: Leopold Joh, Alexa Hillebrand, Nicole Hillebrand and Lexi Koenig — Coweta CountySecond place team: Clayton Adams, Sophia Merka, Alyssa Goldman and Kaylie Goldman — Madison CountyThird place team: Whitley Gatch, Joleigh Butler and Kate Yaughn — Bulloch CountySenior High Individual: Whitley Gatch — Bulloch CountyThis event is sponsored by Mike Giles and Carla Abshire. To learn more about the Georgia 4-H Livestock Program, visit georgia4h.org/livestock.Georgia 4-H empowers youth to become true leaders by developing necessary life skills, positive relationships and community awareness. As the largest youth leadership organization in the state, 4-H reaches more than 242,000 people annually through the University of Georgia Cooperative Extension offices and 4-H facilities. For more information, visit georgia4h.org or contact your local Extension office.last_img read more

first_imgFrom mobile P2P to EMV technology and beyond, the payment industry is rapidly changing.   And while consumers are eagerly embracing new payment technologies, many do so without fully understanding their benefits and risks.This dynamic presents an opportunity for your credit union to shine. Educating members on how to leverage new payment technologies while protecting themselves against fraud is a valuable service you can provide that will keep your credit union top of mind.So what exactly do members need to know about payments?“Consumers are faced with many alternative and sometimes unsecured options for payments, and the risks involved may not be apparent to them,” said Lois Hansen, vice president of product development for CO-OP Financial Services.Jennifer Kerry, CO-OP’s vice president of credit card services, adds, “The importance of security can’t be emphasized enough. However, security is just one attribute of a great payment product. A prominent trend in payments today is the use of rewards. Get your rewards program squarely in front of members for their benefit and yours.”Hansen and Kerry list seven things you should tell members about today’s changing payment landscape: Remind them to stay vigilant. Consumers like technology to be fast and easy, but speed and simplicity don’t equal security. Hansen recommends advising members against using social media sites for payments. “Also, let them know that an authentication process should be long and involved,” she said. “Consumers need to stay away from any payment site that relaxes its standards in this area. Make sure your members know that proper authentication is well worth their time from a security standpoint.” Inform them about your rewards programs. Eighty percent of credit card transactions are made using rewards cards today. “Your members value rewards and may not know about your program,” said Kerry. “In particular, tell them about your merchant-funded rewards programs, which allow them to benefit just by shopping at places they already frequent.” Advise members on when to use debit and when to use credit. Both have their advantages – credit is typically more secure, but debit can be easier for budgeting purposes. CO-OP offers a wealth of information on how consumers can use each method most effectively. Direct members to the blog at www.co-opcreditunions.org for more details.Answer all their Apple Pay questions – before they ask. When Apple came forward with tokenized mobile payments last year, it was a fun new way to pay. And when Visa, MasterCard, Discover and others joined the Apple Pay ecosystem, it was a turning point for the industry and for the way members use payment methods. “Your members may not realize just how secure tokenization is, so tell them about it,” said Hansen. “Everyone wins. Your members experience the convenience of Apple Pay, and you as a credit union get the interchange.” Update them on EMV technology. Hansen expects EMV payment cards to gain momentum nationwide by mid-2016. She said, “While your members may have EMV cards already, many merchants still don’t have EMV-enabled card readers. Let members know that their EMV cards are likely running as magstripe transactions today, which means they are not receiving the added protection of enhanced EMV security technology. That will soon change, though, as consumers gain appreciation for the chip card and merchants follow suit.” You partner with top fraud protection providers. Tell members how hard you work to protect them and their cards. In addition to working with Fair Isaac Corporation (FICO), the number one source for fraud detection, CO-OP applies advanced data analytics tools to quickly uncover fraud wherever it occurs. Such provider partnerships, and the security they bring to member accounts, is a competitive-advantage story credit unions can tell members. Demystify Person-to-Person (P2P) payment technology. Direct payment to another person, account-to-account in real-time. It’s a marvel of making payments today, and members need to both understand it and know that you offer it. For CO-OP, Hansen says, “This product line is core to our business and will be expanded with new solutions as the technology advances.”According to Kerry, “Member education is so important. Your members look to you for guidance. Opening up these dialogs both demonstrates your leadership and sets the stage for deeper, more lasting member relationships.” 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Samantha Paxson Samantha Paxson is Chief Experience Officer for CO-OP Financial Services (www.co-opfs.org), a payments and financial technology company serving credit unions. Web: www.co-opfs.org Detailslast_img read more