FacebookTwitterLinkedInEmailPrint分享Bloomberg:Solar battery sales in Germany are poised to boom as prices for the facilities continue to drop and homeowners turn to generate their own electricity to shield against rising power prices, the BSW solar lobby said.Total solar battery installs in Germany exceeded 100,000 units this summer and at the current rate of growth may double by 2020, the group said on its website. Prices for batteries have halved since 2013 and now every second builder of a rooftop solar system buys a storage unit, the industry body said.“Price, protection from ever rising power prices, a notion to do something for the environment — these are the sentiments driving sales,” said BSW spokesman Christian Hillerberg on the phone from Berlin. “Power prices and how they’ll develop are fast becoming issues for consumers.”The average price of power for households in Germany this year will reach a record 29.44 euro cents per kilowatt-hour, the BDEW utilities federation said in May. Power generation costs for a small solar rooftop installation range between 4 and 11 euro cents per kilowatt-hour, the ISE Fraunhofer said in a March report.Solar system and storage prices are falling at a rate that makes domestic generation attractive. Buyers are weighing the costs of amortizing units and of generating and storing green power against average retail power costs, and are detecting savings, the group said.More: Germany Kicking Off Home Solar Battery Boom as Prices Drop German solar plus storage installations climbing quickly
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A Glen Cove advertising business owner has admitted to defrauding the U.S. Postal Service out of $2 million in bulk mailing payments.Community Coupons owner Matthew Rosencrans, 50, pleaded guilty at Central Islip federal court to mail fraud.“A theft from the Postal Service is a theft from the American Public,” said Philip Bartlett, U.S. Postal Inspector in Charge of the agency’s New York office.Prosecutors said Rosencrans submitted more than 15 million pieces of bulk mail for distribution throughout the New York Metro area between July 2010 and August 2013, but only paid for delivery of about 3.4 million pieces.Rosencrans faces a sentence of up to 20 years in prison and $2.1 million in restitution to the the USPS.
Although the National Credit Union Administration has not issued any overarching guidance on model risk management, it has published various comments on model validator independence and the importance of a risk-focused approach. Absent more explicit NCUA direction, many credit unions have adopted other regulators’ supervisory guidance on model risk management, e.g., the Office of the Comptroller of Currency’s 2011-12 bulletin or the Federal Reserve’s SR 11-7 supervisory letter. Regardless of the standard, resource limitations frequently make independent, competent, risk-focused model risk management a challenge for credit unions.This article is a guide for deciding between staffing a fully independent internal model validation department, outsourcing the entire operation, or a combination of the two.Striking the appropriate balance is a function of at least four factors:control and independence,cost,financial risk, andexternal (regulatory, market, and other) risk considerations. continue reading » 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
No other term is more broadly misinterpreted in our industry than digital transformation, narrowing the lens of growth opportunities within the credit union scope.Mislabeled as home-banking and mobile-app updates, fintech investments, cloud initiatives, AI advancements, and short-run projects, digital transformation has a complicated and non-standard connotation. Referred to as, “the Trojan Horse of modern business model,” this misunderstood construct often serves as a trigger to an overarching, “business transformation, a time to review many aspects of a business’s operations from top to bottom—the talent, the organizational structure, the operating model, products, services, etcetera,” James Bilefeild, serial digital entrepreneur at Mckinsey. Clint Boulton, CIO, simply describes, “digital transformation is a necessary disruption,” and this constructive ability is the catalyst to long-term profitability and overall organizational health. Digital transporting is an ongoing, dynamic process requiring human capital, open innovation, and willingness to forge into uncharted territory to meet changing membership demands. In a 2018 Gartner poll of CUNA CIOs, results pointed to the digital transformation focus. Nearly half of CU CIOs report the need for business model change, where “87% measure the ROI on digital” to meet the growing demand changes from their membership. Drivers for digital transformation start with demographical preference shifts, and have tackled environmental and efficiency categories, enticing the use of practical alterations to established business processes and structures. As the cost of poor technology outweighs the price to install it, digitization era is in full swing. If the a fully digital world is seen as a finished house, then, it is imperative to lay a proper, secure, strong and confident foundation. This digital foundation acts as the ladder to which a credit union may climb into the digital era, establishing a structural requirement for future nimble and agile digital capacities. True digital transformation complies aggregate analog and manual processes, business practices, and evolves dated systems into lean machines of efficiency and results. This transformation surpasses superficial feature implementations and attractive interfaces but is an evolutionary process enacting business change. By adopting new digital forms, technology and business strategy have merged into one cohesive road map, no longer existing as independent fragment from one another. For credit union, this will not change ethos and fundamental purpose igniting our utility but will elevate the credit union into a dynamic institutional capable of modern value demanded service. Digital transformation acts as a churning machine, grinding out innovative solutions to both external credit union publics, while mitigating internal process configurations, streamlining processes, and creating an efficient and agile technical internal infrastructure. Think your not effected by this digital revolution? Think again. When your organization starts noticing process changes, the digital transformation has knocked on your door. We suggest a full embrace of digital transformation, maximizing the potential of your credit union, while eliminating inefficient, and dated, constraints. Hear this? Then Your Digital Transformation Has Begun“We’ve never been able to do that before, that fast, and that way““This is only the beginning of the value we add to members lives, how they can interact with us, how our credit union helps our members”“Technology and Business strategy, roadmaps, & projects are the same thing at our credit union – one does not exist without the other” 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Rebekah Schlichting Rebekah Schlichting expedites marketing for Pure IT Credit Union Services, where she strategically aligns the marketing, public relations, communications and advertising efforts into cohesive messaging. With her undergraduate degree in … Web: PureITCUSO.com Details SourcesBilefeild, J. (2016, April). Digital transformation: The three steps to success. Retrieved April 1, 2019, from https://www.mckinsey.com/business-functions/digital-mckinsey/our-insights/digital-transformation-the-three-steps-to-successBoulton, C. (2018, December 11). What is digital transformation? A necessary disruption. Retrieved April 1, 2019, from https://www.cio.com/article/3211428/what-is-digital-transformation-a-necessary-disruption.htmlGartner. (2018). CUNO CIO Poll. Webinar, accessed on April 1, 2019, from https://www.gartner.com/en/webinars/3899294/the-2019-cio-agenda-securing-a-new-foundation. Kyle Stutzman, VP Business Development at PureIT CUSO, “when your leaders, employees, and members start saying these things, then digital transformation is starting to happen.” Foundation to Launch a CU Digital Transformation, Pure IT CUSO, 2019.
Darren Fletcher on Sky Sports:“Unbelievable! The shoot-out was excruciating! I am buzzing! David Marshall is a hero to the whole country! But the standards of all the penalties was brilliant.“Talk about character. Those lads weren’t stepping up thinking, ‘Imagine if I’m the one to miss’. They were positive – and then Marshall was the hero.“I fancied every one of them stepping up. There was something about Mitrovic; he was saving himself for fifth. Our main striker stepped up first – bang, into the back of the net. People thinking about glory and headlines; that’s what I thought about Mitrovic.“Then Big ‘Marsh’ – what a hand.” – Advertisement – Scotland’s reward for the win in Belgrade is a place in Group D alongside England, Croatia and Czech Republic – and a mouth-watering Euro 2020 schedule that will see two of their matches – against Croatia and Czech Republic – played in Glasgow. – Advertisement – Image:Aleksandar Mitrovic is consoled after his decisive missed penalty Ryan Christie was moved to tears after helping Scotland secure their place at Euro 2020 with a penalty shoot-out win against Serbia. Scotland have been turned upside down by Clarke’s influence in the dugout with a run of nine matches unbeaten and the boss couldn’t hide his emotions at full time despite claiming “he was calm” during the shootout.Clarke told Sky Sports: “It took a bit of time to get people onside, but we’ve been positive and no one can be more proud than the players on the pitch. One or two of the boys have been in tears and that shows how much it means.“When David Marshall saved the last penalty, I had a little glint in my eye. I may have a cry when I get to my room later. 4:02 Scotland manager Steve Clarke said he may shed a tear back in his hotel room after his side qualified for their first major tournament since 1998. Highlights of the European Championship Qualifying Path C play-off final between Serbia and Scotland. 8:53 1:42 – Advertisement – “Normally, we fall at the final hurdle or we have the glorious failure, but I thought we were the better team in the game and deserved to be in front. We just couldn’t get the second goal to kill them off.“To concede then from a set play when they were throwing everybody into the box was a big setback, but you have to be so proud of the players, the way they responded to that.“That was a sore one as we were really close to where we wanted to be. The reaction was to dig in during extra time, and we managed to do that. We got to penalties and we’ve managed to produce again from the penalty spot. It’s a magnificent night for everyone in Scotland.“We said we’d try to put smiles back on faces and I hope they managed to enjoy the match as we did here in Belgrade. They can smile tomorrow.”Tearful Christie: An amazing night Christie thought he had netted the winning goal during normal time but a Luka Jovic injury-time equaliser forced extra time. The Celtic man linked the play between the lines with great maturity and this was on show for what looked to be his match-winning moment from 22 yards – a goal that would have graced any major tournament.He was replaced in the closing stages of normal time, so had to watch on from the touchline as the drama unfolded.“It is just an amazing night,” a tearful Christie said.“From the start, we kind of believed. Obviously, the last few camps we have picked up so much belief in each other. Even the way the game went tonight, conceding that late equaliser and still digging in. Penalties and you’re away from home but big Marshy again comes up. He’s unbelievable.“When you are on the pitch, you always feel like you can influence it. When you are off, you can’t watch. Those penalties are the worst thing I have ever been through. It’s just everything. Oh, I’m gone.“It is just for the whole nation. It has been a horrible year for everyone. We knew coming into the game that we could give a little something to this country. I hope everyone back home is having a party tonight because we deserve it.“We have been through so many years. We know it, you know it, everybody knows it. It’s a monkey off the back now. We are just going to move on from here.”Robertson: Most emotional I’ve beenScotland captain and Liverpool full-back Andy Robertson admitted it was “the most emotional he had been after a game” and praised his team-mates’ mentality.“I don’t think I can [sum it up]. There was so much emotion going into the game, and then you get so close and they end up equalising. You have to pick yourself up for extra-time, which we did. When you get to penalties, you always back Marshy and it’s just whether the lads can hold their nerve, and they managed to do it.“We’ve come so far with this squad and I back every one of them as they’ve come through a lot of criticism and a lot of negativity at times.“We’ve stuck together and battled through it. I really hope everyone back home can see the positive side to this as we’re absolutely delighted. I really hope that during a really tough time, we’ve managed to put a smile on a lot of faces.“It’s the most emotional I’ve been after a game but we can look forward to next summer now.”Analysis: Mitrovic was going for glory Ryan Christie poured his heart out while the usually reserved Steve Clarke admitted he may “go for a cry later” as emotions were on show after Scotland’s triumph in Serbia to qualify for Euro 2020.Scotland put their fans through the wringer as they qualified for their first major tournament since 1998 after David Marshall saved Aleksandar Mitrovic’s penalty in a shootout to send them to Euro 2020.- Advertisement –
Nkengasong said it was inevitable that as cases rise, hospitals will become overwhelmed.”That is something that is happening already. We will continue to see it as the pandemic expands,” he added.Although many have also started gradually easing lockdowns to reopen hard-hit economies, governments are conscious that opening up too quickly could lead to a spike in new cases.The African Union Commission said on Thursday it had launched a consortium for vaccine clinical trials to be headed by the Africa CDC, which aimed to secure more than 10 late stage vaccine clinical trials as early as possible.South Africa and Egypt are already running human trials for a potential vaccine. African countries must carry out more coronavirus testing and make people use masks, a regional disease control body said on Thursday as cases topped half a million in the continent.New cases in Africa were up 24% over the past week, with data from governments and the World Health Organization showing it had 512,499 confirmed COVID-19 cases, with 11,930 deaths.”The pandemic is gaining full momentum,” John Nkengasong, head of the Africa Centers for Disease Control and Prevention (CDC), told a virtual news briefing from Addis Ababa. Nkengasong said African countries, many of which do not have reliable data, must adopt an aggressive approach to encourage the wearing of face masks and ramp up testing and tracing.”This will save lives and save (the) economy.”Egypt, Nigeria, South Africa, Ghana, and Algeria account for 71% of infections on the continent, Nkengasong said.Some governments have been reluctant to acknowledge epidemics or to expose crumbling health systems to outside scrutiny, while others are either too poor or conflict-ridden to carry out significant testing. Topics :
South Korean shipbuilder Samsung Heavy Industries (SHI) has inked a contract with compatriot natural gas company Korea Gas Corporation (KOGAS) for the construction of two small-scale liquefied natural gas (LNG) carriers. Under the terms of the USD 100 million contract, the ships are expected to be delivered in May and December 2019.The 7,500 cbm vessels, to be equipped with KC-1 cargo containment system, will transport LNG from Tongyeong, Gyeongsangnam-do, to Jeju Island, according to the shipbuilder.As informed, one of the two carriers will be capable of LNG bunkering.The new deal marks SHI’s entering into “promising” small-scale LNG carrier and LNG-bunkering markets, SHI said.So far, SHI has won orders worth USD 2.3 billion. They include eight tankers, two LNG carriers, one LNG floating storage and regasification unit (FSRU) and one floating production unit (FPU).
Promoted ContentCouples Who Celebrated Their Union In A Unique, Unforgettable Way7 Black Hole Facts That Will Change Your View Of The UniverseBest & Worst Celebrity Endorsed Games Ever Made9 Facts You Should Know Before Getting A TattooWho Is The Most Powerful Woman On Earth?A Soviet Shot Put Thrower’s Record Hasn’t Been Beaten To This DayThe Best Cars Of All Time10 Risky Jobs Some Women Do8 Superfoods For Growing Hair Back And Stimulating Its Growth6 Interesting Ways To Make Money With A Drone6 Incredibly Strange Facts About Hurricanes10 Amazing Characters We Wish Were Official Disney Princesses Loading… Former president of Laliga giants Real Madrid, Lorenzo Sanz, has died after a battle with the Coronavirus disease, his family and the Santiago Bernabeu side have announced. Sanz who died a the age of 76 won some laurels during his reign as president of Real Madrid FC and basketball team from 1995 to 2000. Sanz was reportedly admitted to a hospital in Madrid earlier last week where his Covid-19 infection was manages until he gave up the ghost on Saturday. His son, Lorenzo, confirmed the sad new of his father’s passing in Tweet on Saturday. “My father has just died. He did not deserve it to end in this manner. One of the best, most courageous and hard working people I have seen in my life. His family and Real Madrid were his passion,” Lorenzo [Jnr.] tweeted. lorenzo-sanz-real-madrid-coronavirus-laliga-covid-19Sanz celebrates Champions League title success with Real Madrid players Real Madrid and Laliga followed up Lorenzo’s announcement with official statements on their respective online platforms. “Real Madrid, its president and the board of directors regret with great consternation the death ofLorenzo Sanz, who was president of Real Madrid from 1995 to 2000,’ Real Madrid stated on their website. “They also want to express their deepest condolences and all their affection and affection to his wife Mari Luz, their children; Lorenzo, Francisco, Fernando, María Luz Malula and Diana, and their family and friends. Condolences that also extend to all Real Madrid. Also Read: Ex-Man United Star Fellaini Contracts Coronavirus “Today, Real Madrid is mourning the loss of a president who dedicated a large part of his life to his great passion: Real Madrid. “Given the current circumstances, Real Madrid will pay him the recognition he deserves as soon as possible.” The club also tweeted: “With Lorenzo Sanz as president of @realmadriden, the club won two European Cups and an Intercontinental Cup, a league title, a Spanish Super Cup, a basketball league title and the Saporta Cup. #RealMadrid.” Real Madrid captain Sergio Ramos also took to Twitter express his grief over the passing. “Very sad day for Real Madrid. Lorenzo Sanz connected yesterday and today with two numbers for the story: 7 and 8 [Champions League triumphs in 1998 and 2000},” Ramos tweeted. “His death saddens even more these difficult days in which we find ourselves. My deep condolences to family and friends. Rest in peace.” Former Madrid goalkeeper Iker Casillas was also in a mourning mood on Saturday and tweeted: “DEP President, a big hug to family and friends in these difficult times. And a very special memory for those who have also left us because of this fatal virus. Much strength to all.” FacebookTwitterWhatsAppEmail分享
Photo:FacebookFranklin County, In. — The Whitewater Valley Retired Teachers Association says during 2017 members of their group volunteered at least 10,700 hours in the community. Volunteers prepared meals for Works of Mercy, projects in four elementary schools, youth sports, tutoring and 4-H projects.Retired teachers also worked in various churches, nursing homes and the library. Members also spent time on boards and committees of civic organizations.The members enjoy and appreciate volunteer roles in the community and look for new ways to give back.
Kenneth J. Smith, 75, of Bradenton, FL died peacefully, surrounded by his family on November 7, 2018.Shortly after being born in Sarasota, FL, he moved to Cincinnati, OH where he resided most of his life. After graduating from Norwood High School in 1961, Ken attended the University of Cincinnati where he received both his B.S. and M.Ed.Ken began his 29 year career in Cincinnati Public Schools at Roberts Junior High, where he was a teacher for 19 years. He was then an assistant principal of Western Hills High School and Porter Junior High, a principal of Roberts Junior High and retired as the principal of Dater Junior High. In 2003, he moved to Bradenton, FL as a “Snowbird” and became a full time resident several years later.He is survived by his wife of 52 years, Barbara (nee Frazier); two sons, Jason (Lori) and Christopher (Molly); four grandchildren, Brittany, Justin, Winston and Pippa and one great grandchild, Madelyn.Ken’s passion for cars, sports and boating was eclipsed only by his love of making others happy with his humor and generosity. Nothing ever changed his wonderful attitude, including long term medical issues; he always had a smile for everyone, all the way to the end.Visitation will be held at Jackman Hensley Funeral Home on Thursday, November 15th from 6:00 PM to 8:00PM. Funeral services will be held at Jackman Hensley Funeral Home on Friday at 11:00 AM and will be followed by interment at Arlington Memorial Gardens.