Of course every vegetable gardener hopes to enjoy the fruits oftheir labor. Why not give your favorite vegetable gardener a setof new salad utensils, a chopping board or a good set of knives? Many serious gardeners preserve some of their bounty. New jars,freezer containers or maybe even a pressure cooker could be inorder.Gardening gift basketsThere’s a plethora of garden gift baskets on the market. Forunder $50 you can get one with the basic essentials consisting ofsome small garden tools, a rain gauge, seeds and gloves. Or, forunder $100, you can step up to the more deluxe package that mayinclude such things as moisture meters, pH testers, a thermometeras well as the basic items listed above.If all else fails, opt for an obvious gardener-gift. You can’t gowrong with new seeds for the coming season, a supply offertilizer or a new garden hose.No matter which gift you choose, shop early, shop often, happyholidays and happy gardening. If your gardener also enjoys wildlife, a hanging bird bath, ahummingbird feeder or a finch feeder may fit the bill. A simplebench for your green thumb artist to sit on while admiring theirwork may be the perfect holiday present. By Terry KelleyUniversity of GeorgiaIt may be cold and dreary outside now, but spring will return andgardeners will need to be ready. Instead of a new tie or aflannel shirt, why not give a little bit of spring to thegardener on your holiday list?If your gardener is a novice, why not buy them a starter set?There are many sets of garden tools available at local gardencenters. Most come with a small spade or trowel, a cultivatingtool and a weeding tool. Some even include gloves and a handycarrying bag.Flowering eggs and readable leavesNovel items, like the flower eggling, let gardeners get startedindoors while they wait for spring to return. The flower egglinglooks like an oversized egg. You crack it, water it and waitfor the plant to emerge. Anything from a chrysanthemum to athyme plant could be inside. Then there’s the amazing message plant. This plant can grow up totwo feet tall and last for as long as six months. As the leavesunfurl they reveal the message “I love you” on the surface.For less than $200, you can equip your favorite gardener with aprofessional weather monitoring station. The station monitorstemperature, humidity, wind speed, rainfall and even uploadsinformation to your gardener’s personal computer. Personally monogrammed planters can be purchased for just over$125. Or, you can buy a garden gnome for as little as $35. Gnomesare supposed to bring good luck to the garden so you could besetting someone up for a bountiful yield.Books, baths and benchesIf your budget is tight, you might opt for a little lessexpensive gift of either a weather calendar or a copy of the OldFarmer’s Almanac – both are available for under $10.
Paddlers compete in the Great Rappahannock Whitewater Canoe Race.Race by PaddleGreat Rappahannock Whitewater Canoe and Kayak Race Fredericksburg, Va. • June 4 The all-day, multi-race event holds five downriver races, a series of fast one-mile sprints, and the hearty 20-mile marathon run on the idyllic free-flowing class I-II river. Categories range from the novice father/daughter tandem class to the serious action of the American Canoe Association Middle States Division Whitewater Championship.Beaverdam Canoe Jam Gloucester, Va. • June 11 Paddlers get no moving water to help their cause, as they battle fellow boaters on the open-water lake at Beaverdam Reservoir Park. The course includes a short, two-mile option, as well as a longer four-mile stretch, in classes for recreational canoes, kayaks, and racing hulls meeting the United States Canoe Association standards.Canoe Club Challenge Bryson City, N.C. • June 18, July 16 & August 13 The Nantahala Outdoor Center sets up a challenging yet beginner-friendly slalom course on the Nantahala River for three weekend days in the summer months. Paddlers are allowed to run it as many times as they can in three hours with only their best time counting toward the final tally. Paddlers must go through every gate for their run to count. There is also a canoe club team challenge through the whole series. Harpers Ferry Outdoor Festival Harpers Ferry, W.Va. • June 18 Paddlers meet at the confluence of the Potomac and Shenandoah Rivers for a full-day festival that features live music, good local eats, and plenty of on-the-water action. Comps include the Harpers Ferry Cup Amateur Raft Race, an attainment race, and the Tim Gavin Down River Race, which honors fallen paddler Tim Gavin, who died in a kayaking accident on the Upper Blackwater River in 1998.Potomac Whitewater Festival Great Falls, Md. • June 25-26 The centerpiece of this full weekend of paddling comps is the Great Falls Race—an epic downriver descent that drops 60 vertical feet through the Potomac’s tumultuous class V-plus Great Falls. If bombing down the falls is too rugged for your taste, this fest has additional events in freestyle, slalom, boatercross, and downriver squirt, as well as clinics, demos, and a party at the Old Angler’s Inn.Smith River Fest Martinsville, Va.• August 13 This popular river festival features a 4.5-mile flatwater race on the Smith from the South Martinsville Access Ramp to the Smith River Sports Complex. Stick around for the rest of the fest events, including group paddles, live music, a river film festival, and fly fishing clinics.Lumber River Canoe and Kayak Challenge Lumberton, N.C. • September 17 Paddlers will meet for a day of downriver action on the Wild and Scenic Lumberton River. The race includes a 10-mile recreational course for canoes and kayaks, as well as a 20-mile United States Canoe Association sanctioned course for kayaks, canoes, and double canoes.Watch the ProsThe country’s next class of Olympic paddlers has to get past the Blue Ridge before they get to London in 2012. The best in boating will be battling for placement in Western North Carolina this fall, when the USA Canoe/Kayak Slalom Nationals take place October 1-2 at the Nantahala Outdoor Center. Spectators will have a sweet riverside view of the top whitewater slalom racers in the nation competing for the national championship in their respective divisions: Kayak, Single Canoe, Double Canoe, and Women’s Kayak. Since slalom is the only Olympic whitewater discipline, expect paddling’s elite to be slithering between the gates on the 300-meter course set around the Nantahala River’s biggest rapid, the class III Nantahala Falls.Get Up, Stand Up A Riotous Roster of Regional Paddleboard RacesCharleston Watersport 50/50 Summer SUP Race Series Mt. Pleasant, S.C. • June 11Bring your board to Shem Creek Boat Landing and get ready to paddle hard. Additional races take place on June 25, July 9, July 30, and August 6.James River Paddle Challenge Williamsburg, Va. • June 11Paddlers will race around Jamestown Island in the tidal section of the James River. Kayakers, canoeists, and paddleboarders will be taking on the 10- or 17-mile courses.Naish Paddleboard Race Series Rodanthe, N.C.. • June – August Details are still coming together for this summer series in the Outer Banks, set to take place at the Rodanthe Kitty Hawk Surf Company.Paddle for Humanity Washington, D.C. • August 20One of California’s premier paddling events is expanding to the Nation’s capital. Paddle for Humanity raises money for SurfAid International with this growing series of paddleboard races. In the new D.C. race, boarders will paddle through a six-mile course from Maryland’s National Harbor. There is also an open two-mile fun paddle for novices.
February 1, 2002 Regular News Program helps lawyers ethically expand into ancillary businesses A successful and well-received free seminar during the Midyear Meeting will lead to a second such event at the Bar’s September General Meeting in Tampa.Sponsored by the Special Commission on MDP and Ancillary Business and organized by the Young Lawyers Division, the January 10 course aimed to tell lawyers about opportunities to expand their practices into ancillary businesses and how to do so ethically.“It’s not necessarily a forum to proliferate [ancillary business], but the Bar should be proactive,” said Bar Board of Governors member Bill Kalish.“It went wonderfully, it went magnificently,” said Mike Faehner, a member of the commission and the YLD Board of Governors member who organized the seminar. “We had about 50 people throughout the day.“It gave the members of the Bar who attended an opportunity to hear from experts in ancillary business, it presented an overview of the rules, and it gave people some good ideas on strategic alliances and how they can function within the rules.”The special commission, at its meeting the day after the seminar, agreed to draft a resolution thanking the YLD for its assistance in making the program a success, and sent a letter to Tax Law Section member Rick Josepher thanking him for his support of the seminar.Speakers included Bar Ethics Counsel Elizabeth Tarbert, Norwood Gaye of Attorneys Title, Scott Univer of BDO Seidman, which has helped organized ancillary businesses in 20 states, and Florida attorneys Charles Robinson, Marvin Gutter, and Chris Boyett. Topics included ethical considerations, setting up ancillary businesses, and various areas for ancillary work, including real estate, insurance, and elder law.Faehner, who moderated the seminar, said it provided free CLE credits for attendees, and the commission is seeking to increase the one ethics credit awarded with the program.The commission has started planning for the General Meeting seminar, he said, and it tentatively will be held Thursday, September 12 or Friday, September 13.In other actions, the panel decided not to make recommendations to the Board of Governors on the strategic alliances reports issued by both the New York State Bar Association and the ABA Standing Committee on Ethics and Professional Responsibility to the ABA House of Delegates.Miami attorney Leon Patricios told the panel that its proposed amendments to the Bar rules on strategic alliances are unclear and unnecessary.“Procedurally, we have an objection to what’s happening,” he said. “In sum, we believe the existing rules that are in place. . . are sufficient for the purposes of guiding lawyers on how to do business with their clients.”Patricios also said the firms he represents are worried the line between strategic alliances and ancillary businesses “has not been clearly demarcated.”The commission will submit a report to the Board of Governors regarding the comments and take no action on the draft rules without additional input. The panel also wants to change it’s name to the “Special Commission on Lawyers Business Practices,” saying it better fit the panel’s goals. Program helps lawyers ethically expand into ancillary businesses
The physical and digital banking worlds aren’t mutually exclusive.Back in the early 2000s, I was sitting in a strategic planning session with other leaders from our credit union listening to an outside consultant tell us how we needed to decide if we were going go all-in either with “bricks” or “clicks.”It was presented to us as a binary choice: no credit union could successfully focus on a combination of both in the new millennium.Our credit union, as we were told, was at a strategic fork in the road and needed to choose one path or the other—to march forward and never look back.The discussion was an eyebrow-raiser at the time to say the least. And now, looking back 15 years later, we’ve all seen what a false dilemma that question was.The vast majority of financial institutions have survived with one foot planted in the physical world and the other in the digital realm. continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The May edition of the CUNA Economic Update explores the many areas of financial strength for the credit union industry and strong operating results in loan, savings and membership growth.“Overall, the industry’s financial results are outstanding,” said Mike Schenk CUNA vice president of research and policy analysis. “In this month’s update, we show how credit unions are benefitting from an economy that grows by the day. Consumers are turning to credit unions for their financial needs in incredible numbers, leading to the highest rates of growth we’ve seen in years—or, in some cases, ever.”The update also provides recent numbers on unemployment and GDP growth, as well as projections on interest rates. Additionally, President Donald Trump’s recent tax proposal, the American Health Care Act (AHCA) and recently announced recoveries from the NCUA are evaluated for their potential impact on the economy and credit unions. continue reading »
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 33-year-old man was shot and killed in his hometown of Roosevelt, Nassau County police said.Officers responded to a ShotSpotter alert at the corner of Ellison and Pleasant avenues, where they found Gerber Hernandez with a gunshot wound at 6:48 p.m. Wednesday, police said.The victim was taken to Nassau University Medical Center, where he died four hours later.No arrests have been made.Homicide Squad detectives are continuing the investigation an ask anyone with information regarding this crime to contact Nassau County Crime Stoppers at 1-800-244-TIPS. All callers will remain anonymous.
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 22-year-old man was killed when his motorcycle was involved in a crash with a car in West Hempstead shortly after midnight Wednesday.Nassau County police said Christopher Louros was riding a Suzuki motorcycle westbound on Hempstead Turnpike when he collided with a Mercedes Benz 350 that was making a U-turn at the corner of Morton Avenue at 12:08 a.m.The Mercedes then hit an unoccupied parked Honda Pilot but the driver was not injured. Louros was taken to a local hospital, where he was pronounced deadHomicide Squad detectives impounded the vehicles but did not charge the surviving driver.
To view the district’s complete plan including mask wearing and social distancing policies, click here. While high school students will be on a hybrid schedule with two different teams alternating virtual learning days and in person learning days, elementary school students will attend school in person five days a week. The school told 12 News this was done to accommodate working parents since younger kids can’t be left alone during the day. Sarah Mastretta says this made her life a lot easier. “I have to get one kid up, fed dressed and ready to go then get my son up and do the same thing with him the second she leaves,” she said. Robin Minstretta-Lewis and says she and her son, who is a senior this year, still haven’t quite gotten the hang of their back to school routine. They say while there have been some bumps in the road like getting access to bus schedules and setting up online resources, so far the hiccups have been normal and the district helpful. OWEGO (WBNG) — The first day of school is obviously a big day for students, but it’s a big day for parents as well. One mother daughter duo in Owego says they both have kids starting school in the district this year, and they’re leaning on each other for support. There are a few things that make the plan inconvenient, one of the biggest being the fact that her kids start the day an hour apart, but attend school in the same place. Lewis’s daughter Sarah Mastretta has two kids who are heading back to Owego Elementary, with her son in second grade and her daughter in third. She says she too hasn’t gotten all of the details ironed out yet, but having her mom around to help makes things better. Owego-Aplachin was just one of several districts who started school today, to see back to school photos submitted by viewers from around the region, click here. “School started today and we’re still not completely sure what it’s going to look like but we’re just taking it a day at a time,” she says. Lewis-Mastretta says it’s just something they’ll have to get used to. “It’s new to all of us, it’s something none of us have done and if we work together it benefits all of us, especially the children,” she says. “It’s definitely made it easier to navigate everything because it’s not just me trying to figure everything out on my own you have somebody to bounce things off of sometimes she can answer questions I don’t know the answer to and vice versa,” she said. “It’s obviously important that the reopening plans were all child focused but I feel that our district’s reopening plan was also parent focused, it was very nice of them to consider that some of us have no choice but to have both parents out of the house,” she says.
– Advertisement – – Advertisement – – Advertisement – (This story is for CNBC Pro subscribers only.)Billionaire investor Leon Cooperman believes technology stocks’ sky-high valuations are justifiable with interest rates are at historic lows.“If you look at interest rates and you look at the growth rates of these companies, they are not irrationally priced. They are not cheap, but they are not irrationally priced,” Cooperman said on CNBC’s “Squawk Box” on Friday. Leon CoopermanScott Mlyn | CNBC
Saul Eslake Picture: Kim EiszeleONE of Australia’s leading economists has warned the best thing Government could do for housing affordability was cut major tax breaks for property market investors.Former ANZ chief economist Saul Eslake opened old wounds on domestic investor concessions telling the Future of Housing Conference that the Federal Government continued to incentivise investment in unaffordable housing.“Cutting the CGT discount and/or curtailing negative gearing is the most effective thing a federal government could do for housing affordability,” he said in a presentation this morning.No significant changes had been made via the 2017-18 Federal budget to negative gearing or the CGT discount for Aussie investors in ‘mainstream’ housing.More from newsMould, age, not enough to stop 17 bidders fighting for this home4 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor4 hours agoCutting negative gearing and the CGT discount would be best for housing affordability, according to Saul Eslake. Picture: AAP Image/Dave Hunt“The Government obviously believes that the size of the CGT discount affects the incentive to invest in housing – hence the proposed increased in the discount for investment in ‘affordable’ housing, and the reduction in the discount available to foreigners.“But,” he said, “the Budget made no changes to the CGT discount for Australian investors – despite calls for it to be reduced from, among others, the Australian Institute of Company Directors and tacit acceptance by the Property Council.”Mr Eslake said negative gearing was much more common among high-income taxpayers than among those of more modest means.“Negative gearing is not, primarily, about ‘cops, teachers and nurses’ and other worthy folk trying to ‘get ahead’,” he said.His presentation cited surgeons, anaesthetists and barristers as occupations that claimed the highest average net loss on rental properties in the 2014-15 year, followed by GPs, dentists, engineers and chief executives.