The Harvard Graduate School of Education (HGSE) announced the selection of six cities for a new multiyear initiative – By All Means: Redesigning Education to Restore Opportunity – aimed at developing comprehensive child well-being and education systems that help eliminate the link between children’s socioeconomic status and achievement. By All Means will be operated by HGSE’s Education Redesign Lab. Participating cities in the initiative are Oakland, California; Louisville, Kentucky; Providence, Rhode Island; and Salem, Somerville, and Newton, Massachusetts.“While our recent efforts at education reform have yielded some great successes in certain places, overall, we have failed to achieve equity, we have failed to eliminate persistent achievement and success gaps,” said Professor Paul Reville, founding director of the Education Redesign Lab and former Massachusetts secretary of education. “Schools alone, as currently conceived, can’t do the job of educating all children for success. We can do better. By All Means will help light the way.“Education reformers across the country set out decades ago to eliminate the correlation between zip code and educational success,” Reville continued. “We’ve failed at that so far. These courageous mayors and superintendents are now re-embracing the challenge and are willing to rethink their child well-being and education systems to achieve the goal of equity.” Read Full Story
In their campaign platform, student body president and vice president Bryan Ricketts and Nidia Ruelas introduced the idea for Onward, an online forum for students to submit and vote on ideas for improving the University. The forum officially launched through student government’s website on Sept. 29.The site is accessible through studentgovernment.nd.edu and requires a Notre Dame login. Students can submit ideas as well as up-vote or down-vote ideas they like or dislike, and respond to other students’ posts. All posts begin with the tag “ideation stage,” but can gain “implementation” status when student government begins to look into moving forward with them.Constituent services director John Kill said the development of Onward is a gradual process, and the forum provides an opportunity for students to be involved in the discussion and implementation of new ideas.“It’s early still but as we continue to define how we want Onward to be used. … I think we will see an incredible increase in student body involvement … to make this University a better place,” he said.The staff in constituent services is getting in the habit of consistently publishing reports that contain the top ideas on Onward, Kill said.“We’re not quite sure how often we’ll publish reports, but we’re thinking every four to six weeks, we’ll have a report that will evaluate the top 10 ideas,” Kill said. “[Onward] keeps us accountable to the students, and it keeps the students accountable to their ideas.”Campus technology director Michael McRoskey, who was involved in the technological process of creating Onward, said the best comparison for it was an idea-sharing platform that shared layout similarities with the social media site Yik Yak.“We partnered with OIT to use this idea-share service, and people can sign in with their net IDs,” McRoskey said. “We wanted to give students the opportunity … to be empowered. This is kind of like removing the barrier, and you can post your ideas right from your dorm room [with] the most popular ideas being upvoted.”McRoskey is also in the process of launching student government’s new website in the upcoming weeks. He said the current website lacked engaging content and visuals.“We took the current website and totally refreshed it, so that it’s more dynamic and shows what’s happening on Onward. It’s very visual and mobile friendly,” McRoskey said.The website’s main purpose is to show students that student government is working for them, and to showcase newly implemented ideas and accomplishments, McRoskey said.“People can see what student government does because a lot of people don’t understand what student government does behind the scenes,” he said.McRoskey said Onward provides an interactive platform for students and their representatives to communicate and talk about student concerns and possible solutions. McRoskey said some popular topics feature on Onward are prices in The Huddle, the printing quota and various complaints with food services.“It empowers students to share their ideas and … sort of refine them,” McRoskey said. “It’s not just complaining because people comment on that idea … and work towards synthesizing a solution.”Tags: Onward, Student government, student government in focus
The Financial Accounting Standards Board (FASB) released its long-awaited final standard on credit losses Thursday, and it includes CUNA-backed improvements that make it more manageable for credit unions. CUNA will be closely analyzing the standard with its Accounting Advisory Committee in the coming weeks.“Based on our initial look at the final standard, it appears that the hard work of CUNA and our member credit unions helped bring about the final version of the standard that will make compliance much more manageable to credit unions,” said Elizabeth Eurgubian, CUNA’s deputy chief advocacy officer. “While we continue to disagree with FASB’s decision to apply the new standard to credit unions, we recognize that the final standard reflects input provided to the FASB Board and staff by CUNA and the credit union industry.”Referred to as the current expected credit loss (CECL) standard, it uses an “expected loss” measurement for the recognition of credit losses, which replaces the various existing impairment models in U.S. generally accepted accounting principles that generally use an “incurred loss” approach.Two CUNA members are part of FASB’s CECL transition resource group. Susan Hannigan, senior vice president/chief financial officer at Jeanne D’Arc CU, Lowell, Mass., and Doug Wright, chief financial officer at Mission FCU, San Diego, helped bring the credit union perspective to FASB over the last few months. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
continue reading » 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr NAFCU this week will be monitoring several hearings on the Equifax data breach, which revealed the personal information of 143 million consumers, and following a House hearing on small business tax reform.Richard Smith, former chairman and CEO of Equifax, will be on Capitol Hill testifying about the company’s recent data breach before the House Energy and Commerce Committee Oct. 3 and the Senate Banking Committee Oct. 4. The House Financial Services Committee will also examine the Equifax data breach during a hearing Oct. 5.The Senate Judiciary Committee will hold a hearing Oct. 4 looking into data-broker cybersecurity relating to the Equifax data breach.Also Oct. 4, the House Small Business Committee will hold a hearing on small business tax reform. The White House and congressional Republicans last week unveiled their latest tax reform framework. While no changes to credit unions’ federal tax exemption were proposed, NAFCU remains vigilant in touting the importance of the exemption to the industry, consumers and the greater economy as Congress begins its work on this issue. Tomorrow, the Senate Finance Committee will hold a hearing on international tax reform.
2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ron Jennings Ron is responsible for managing JMFA’s business strategies, including alliances and partner relationship development in support of national sales efforts. His extensive industry knowledge and experience in performance enhancement … Web: www.jmfa.com Details As the industry settles into a new normal—complete with unique operational challenges and service expectations—it’s more important than ever to implement tools and resources that can boost your performance results. Here are some tips to help you both offer more value to your members and achieve your revenue goals.Have a clear understanding of your optionsYou have choices when it comes to how you help members maintain their finances if an emergency or unexpected expense hits when they don’t have sufficient funds in their checking account. Some institutions may decide to implement an in-house overdraft solution that they maintain on their own; others may choose a product offered by their core provider; and others may opt for hands-off overdraft management products that utilize complex data matrices to assign user limits.At the surface, these options initially may seem easy to manage, convenient or attractive. But if they don’t provide continuous program management recommendations, on-going advice to support successful results for the long-term and offer a guaranteed-compliant program, the outcomes can be disappointing for everyone. Does your overdraft strategy communicate your program effectively to members? Are your employees empowered with confidence about its value? Are you seeing measurable improvement in your program’s performance? Develop a reliable revenue source to support growth and service improvementsEven before the onset of COVID-19, demand for more convenient banking services was on the rise. According to a survey by TransUnion, 61% of all consumer online banking transactions in 2019 were conducted on mobile phones—up from 28% in 2014. Changes in behavior brought on by the virus have expanded reliance on mobility even more as 35% of respondents to a Deloitte study indicated they have increased their usage of digital channels since the pandemic began.From a competitive standpoint, investments in digital banking and mobile capabilities can boost an institution’s viability in the marketplace. Other service improvements—like incorporating smart ATMs that live stream video teller support, installing virtual assistants that offer 24/7 service or updating software to improve credit and debit card functionality—increase convenience and efficiencies that can go a long way toward improving member satisfaction and retention. Revenue from a high-performing overdraft program can enable credit unions to update existing systems or acquire new products that improve overall operations and the member experience. For example, with a revenue increase of $500,000 a year, one New England-area credit union was able to complete a core conversion, offer a mobile application to give members more convenient access to their accounts and add a rewards component to its debit card program. Another credit union in the Northeast expanded its business lines while keeping member fees low, thanks to a significant increase in non-interest income. And another was able to implement new services including remote deposit capture, online loan applications and mobile bill pay with the increased non-interest income its overdraft program provided. Are there product, service or infrastructure improvements that could enhance the way you do business and serve your members? Does your overdraft program offer sustainable revenue to help fund the service improvements necessary to stay competitive?Utilize comprehensive training to strengthen mission-driven outcomesFully trained, confident employees are key to successful overdraft program results. If your internal trainers don’t understand the value your program brings to members who face occasional financial difficulties, lack access to the latest regulatory updates, or are unable to instill confidence in staff to ensure consistent explanations about program details, your performance and service levels could suffer. The leadership of one Midwestern credit union realized that not all employees accepted the value of the institution’s overdraft program. In fact, some individuals even had a tendency not to offer the privilege to members, based on their own biases. Changing that negative mindset became a goal for the institution because of its philosophy that product decisions should be made based on what was in the members’ best interest, not employee opinions.With the help of a structured, in-person employee training program that focused on key aspects of how a consumer-focused overdraft program should work, the negative feelings diminished. Access to live remote trainer support and customized training manuals that spelled out how a properly managed program can benefit both the institution and its members increased employees’ confidence. Additionally, incorporating role-play exercises into the training curriculum reinforced their ability to effectively explain proper program usage. Are you relying on internal employees to develop your training program? Do you have a plan in place for keeping the information and training methods they utilize up to date? Do you have a strategy for what you would do if your designated trainer leaves your organization?Avoid leaving your overdraft program potential to chanceThe potential for improvement in revenue, member service experiences and employee knowledge and confidence can be amplified substantially when you partner with a proven expert that has completed thousands of successful program implementations. Stay tuned for Survival Tips, Part 2, which will focus on how maintaining compliance standards and utilizing technology and program management techniques effectively will help you achieve even greater performance results during the pandemic and lead to sustained success in the future. In the meantime, here are some additional examples of successful overdraft program results.
This year’s downsized haj may prove to be the safest ever despite the ever-present threat posed by the novel coronavirus.In past years pilgrims have faced a host of viral illnesses, with some falling sick, but a raft of measures are in place for the relatively modest number allowed to attend this year.The haj is usually attended by upwards of two million Muslims, who converge on the Saudi city Mecca for one of the world’s biggest annual gatherings. That poses enormous health and logistical challenges.In the past, pilgrims returning home have developed respiratory diseases after mingling with large crowds and staying in cramped pilgrim camps where social distancing was unheard of.Kuwaiti worshipper Alia al-Dulaimi told AFP she suffered a severe cough for three months after performing the pilgrimage in 2003.”I couldn’t even get close to the Kaaba at the time because of how many people were there,” she said. ‘Real opportunity’Saudi officials had initially said just 1,000 pilgrims residing in the kingdom would be permitted to participate, but local media reports say as many as 10,000 will join in.Some 70 percent of the pilgrims are foreigners residing in the kingdom, while the rest are Saudis, authorities said.In March, Riyadh suspended the year-round umrah pilgrimage, as the number of global coronavirus cases continued to climb.The kingdom has so far recorded more than 270,000 coronavirus cases, the largest toll among the Arab Gulf states.”This year’s haj was a good opportunity for the Saudi authorities to learn about the effects and importance of wearing a mask in curbing the spread of diseases among pilgrims,” infectious diseases doctor Ghanem al-Hujailan told AFP.Topics : The Kaaba is a large cube-shaped structure in the centre of Mecca’s Grand Mosque towards which Muslims around the world pray.”I wish I was in Mecca this year to see the new health measures,” Dulaimi said. Sterilized pebbles This year, for the first time in modern history, Saudi officials have drastically restricted the number of pilgrims allowed to participate and enforced strict new health measures.Just 10,000 Muslims, all resident in the kingdom, are being allowed to perform the haj — 0.4 percent of last year’s 2.5 million attendees from across the globe.But despite the pandemic, many pilgrims said they felt safer joining a limited number of fellow faithful for the haj as the risk of both infection and logistical upsets was limited.A stampede in 2015 that killed up to 2,300 worshippers was one of a series of deadly incidents that had sparked criticism of how the pilgrimage was managed.But the scene on Wednesday was a vast contrast to that: mask-clad pilgrims performed the “tawaf”, a ritual walk around the Kaaba, in small groups, following carefully spaced routes marked on the white marble floor.Workers continuously cleaned and disinfected the holy site on Wednesday, in uniforms resembling those of hospital staff.Pilgrims had to undergo COVID-19 tests before arriving in Mecca and will be required to quarantine afterwards.Attendees were given elaborate amenity kits that included sterilized pebbles for the ritual Stoning of the Devil, disinfectant, masks and a prayer rug, according to the haj ministry.Several health facilities, mobile clinics and ambulances were on hand, the ministry added, available to pilgrims who were required to wear masks and maintain social distance.Asif Ahmed, a professor at Britain’s Aston Medical School, declared this year’s haj “safe” because of the preventative measures.”The focus is to prevent a coronavirus outbreak, and that seems to be working,” he told AFP. “We will know for sure in a month or so.”
The Trimurjo Police in Lampung have arrested a man for allegedly stabbing his wife after she refused to allow him to live a polygamous lifestyle by marrying another woman. The suspect, a resident of Tempuran village in Trimurjo district, Central Lampung regency, was arrested by the police on Thursday, Trimurjo Police officer Adj. Comr. Kurmen Rubianto said as reported by tribunnews.com. During the arrest, the police confiscated a cleaver and a sarong as evidence.The arrest occurred following a report to the police from the victim’s relatives on Monday. Topics : The wife reportedly suffered wounds to her leg. She was admitted to a local hospital for treatment.Read also: Lampung man allegedly murders own baby after wife refuses to have sex with himKurmen said the police charged the suspect under Article 44 of the 2004 Domestic Violence Law, which carries a maximum sentence of five years’ imprisonment.The suspect claimed that he attacked his wife because she refused to allow him to remarry and instead asked for a divorce.“I was disappointed that she asked for a divorce. I don’t want to divorce her,” he said. (mfp)
Adam Matthews, co-chair of the Transition Pathway Initiative“The fact only one in eight of the highest-emitting firms are responding at anywhere near the pace required is an urgent challenge to investors,” he added.“Investors themselves need to adopt an emergency footing otherwise the window to secure the change we need will be gone.”‘The central issue’The study looked at the quality of companies’ management or governance in relation to climate change, such as whether they have a formal policy commitment to act on climate change or publish their emissions, as well as their “carbon performance”.Carbon performance refers to companies’ current and expected future GHG emissions and how these compare with targets and pledges made as part of the Paris Agreement on climate change.According to the report, one of the research’s implications for investors, in particular with respect to engagement with companies, was that although management quality was important, it was a “necessary but insufficient condition for ensuring that future carbon performance is aligned with the Paris Agreement”.“Carbon performance is the central issue for investors concerned about climate change”State of the Transition report, 2019Investors should focus their attention on carbon performance, which was “the central issue for investors concerned about climate change” and “the key measure of corporate climate action”. The TPI’s report comes a week after the UK government revealed it expected UK listed companies and large asset owners to report on climate change risk by 2022, and that this could become mandatory.Faith Ward, chief responsible investment officer at Brunel Pension Partnership and TPI co-chair with Matthews, said the TPI research’s finding that 25% of high-emitters did not report their emissions was “putting investors in a Catch 22”.“The UK is one of several countries moving to make climate risk reporting by asset owners mandatory, yet without emissions data from a quarter of the high emitting companies that request will be impossible to deliver,” she said.Ward is co-chair of the TPI on behalf of the Environment Agency Pension Fund, which is part of Brunel, one of the UK’s eight local authority pension asset pools.The study was carried out by TPI’s academic partner, the Grantham Research Institute on Climate Change and the Environment at the London School of Economics. New asset owner-backed research on high-emitting companies’ behaviour with regard to climate change has prompted calls for investors to step up engagement with industry and focus their attention on companies’ emissions rather than their management systems and processes.According to the research, out of a sample of 160 companies, only one in eight companies is cutting its carbon emissions at the rate required to keep global warming below 2°C above pre-industrial levels. Sixteen per cent are aligned with a 2°C benchmark.Other findings, based on a larger sample of 274 companies, include that almost half (46%) are failing to adequately integrate climate change into their business decisions, and 25% do not report their greenhouse gas (GHG) emissions.The research was carried out for Transition Pathway Initiative (TPI), a $14trn (€12trn) asset-owner led initiative whose stated mission is “to empower and equip investors to navigate the complexities of the transition to a low carbon economy”. Adam Matthews, co-chair of TPI and director of ethics and engagement at Church of England Pensions Board, said the study showed “many more investors [need] to engage with big-emitters across all sectors of the economy to ensure companies are setting emissions targets consistent with the goals of the Paris Climate Agreement”.
Seller Anthony Doolin stumbled across this entrance to the gold mine on his property.More from newsParks and wildlife the new lust-haves post coronavirus17 hours agoNoosa’s best beachfront penthouse is about to hit the market17 hours agoAfter some research, Mr Doolin discovered the mine was one of many in the area.“There was a lot of mining at the turn of the century and in those hills there are quite a few little mines,” Mr Doolin said.“It’s about six metres deep and the old ironbark is still intact.”Although Mr Doolin was tempted to find out if there really was “gold in them thar hills”, he never got around to it, getting his mum to sell the property for him.The house has five bedrooms, two bathrooms and a four car garage.$5 villas set for newest millionaireHome fit for Harry and MeghanThough he had initially wanted about $300,000 more than he paid for the property, it eventually sold $1.35m last week — the same price he had paid three years ago.His mother Jane Doolin said it had been a difficult task trying to price the property.“People seem to move in there and not sell very often (but) it was a damn good investment block because they had commercial sheds that could be rented out,” Ms Doolin said.Follow Paige Carfrae on TwitterVideo Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 1:59Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:59 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenAnti-dream home Preston01:59 A lookout was cleared above the mine shaft – perfect for picnics.A BRISBANE man got the shock of his life after discovering a gold mine in his suburban backyard.It was certainly not in the fine print that he was sitting on a gold mine when he took over the property located just 20km from the Brisbane CBD, according to Anthony Doolin.He was out exploring his 16.5 hectares of land when he literally stumbled upon the mine shaft.Mr Doolin had 16.1 hectares to explore.“We weren’t told about it, we just found it there one day,” Mr Doolin said.“I nearly fell over, I just pictured Indiana Jones and underground railroads.”Brisbane beats Sydney, Melbourne: Expert Record Brisbane block sold for ‘Sydney price’
5 Neale Court, Annandale, is on the market.WHEN Alna Kotzee first laid eyes on 5 Neale Court, Annandale, she knew she had found the perfect home for her family of five.Having moved to Townsville from Johannesburg, South Africa, just over three years ago, she said she quickly “fell in love” with the property.“We bought the house without my husband, Frederick, ever laying eyes on it,” the mother-of-three said. The outdoor entertaining area.“Being a large family, we needed space and this house provided enough bedrooms so each girl could have her own room, and they shared two bathrooms between the three of them which made for less fighting. It was just the perfect home for us as a family.”Married for 22 years, Mr and Mrs Kotzee and their daughters, 18-year-old triplets, are looking forward to their next adventure as a family.“It is time to move on; the girls have finished school and my husband and I are moving south to be closer to their universities,” Mrs Kotzee said. The large living room.,The property is set for an online auction on Tuesday at 6pm.With four bedrooms and three bathrooms, the house is set up for family living, according to Keyes & Co Property director, Damien Keyes.“It could suit either a family with younger children as well as teenagers as there is more than 400sq m under roof, so there is plenty of space,” he said. The house has been big enough to accomodate a family of five comfortably.Built about 10 years ago and set across 1286sq m of land, the residence comes with an expansive outdoor entertaining space that overlooks the resort-style in-ground concrete pool. Here the Kotzee family have shared in many memorable occasions that will last them a lifetime, including celebrating their triplets’ 18th birthdays.“It was the perfect venue; thank goodness for understanding neighbours,” Mrs Kotzee said.“We just loved seeing the kids having friends over and enjoying the pool and patio.” The exterior of the house towards the entrance.Back inside, the clever use of glass draws light inside, with an atrium-style living space made to feel all the more spacious thanks to an opulent cathedral ceiling.“It gives an open and airy feeling and almost a sense that you could be at a luxury resort,” Mr Keyes said.“If you have been dreaming of making the upgrade to that forever home, then you simply can’t go past this beautiful home.”More from news01:21Buyer demand explodes in Townsville’s 2019 flood-affected suburbs12 Sep 202001:21‘Giant surge’ in new home sales lifts Townsville property market10 Sep 2020Set across two distinct wings, the property’s configuration is also something Mr Keyes believes will be of interest to buyers. To the right of the property, the living and entertaining areas, including a large kitchen, are accessible via a galley. One of the bathrooms.“I love to cook and bake and the big, open-plan kitchen meant that I wasn’t isolated from the family whilst cooking,” Mrs Kotzee said, with a double oven allowing her to cook and bake simultaneously.The main bedroom is located in this wing, and features a full-length wardrobe, airconditioning and a deluxe ensuite with double vanity, separate toilet and double shower.To the left of the property are a further three bedrooms, study and bathroom, with the Kotzees having added an outdoor shower that can be accessed internally and via the pool area. The property is set for an online auction on Tuesday at 6pm.“It gives pool users the option of using the bathroom without having to run through the house in their wet swimmers,” Mrs Kotzee said, having also added airconditioning to the laundry, which she described as a Townsville “necessity”.Located in Annandale, Mr Keyes said the fact 5 Neale Court was a relatively young home, positioned in an older part of the suburb, would be a key selling point.“Annandale is famous for its convenience with plenty of quality schooling and also shopping centres,” he said, with a Stockland shopping precinct located nearby.“There are many different price points spread throughout the suburb giving home buyers plenty of options from your first home right up to your dream home, which is part of the reason that Annandale has stood the test of time as a popular suburb, and still remains right at the top of many homebuyers’ shopping lists.”