Build stronger member relationships through financial counseling

first_imgAccording to a recent BlackRock report, financial worry outranks other leading stressors including health, family and work. Financial stress is a top worry for American families because many of them live paycheck to paycheck and find it difficult to secure a brighter financial future by breaking this cycle.Many facing financial difficulty want to improve their financial outlook, but are unsure how to start planning for their long-term goals. When asked in a J.D. Power’s 2018 Retail Banking Advice Study what they wanted from their financial institutions, 78% of respondents indicated financial advice or guidance, while only 28% said they have access to these services. Considering these statistics, offering a financial wellness program at your credit union could be as important as offering a checking or savings account.Working financial education and counseling into your service offering has the potential to enhance member engagement and lead to greater growth for your credit union. You’ll also demonstrate your commitment to your members’ financial security well-being while improving your bottom line. Here are 3 reasons why you should consider having a financial wellness program at your credit union:Increasing number of Americans dealing with financial instability. According to the CFSI Financial Health Pulse, 72 % of Americans are facing financial hardship. More members than you realize may be looking for financial guidance. Your credit union can reach and engage membership that are burdened by student loans, medical bills, credit card debt and a host of other financial troubles. Growing desire for wellness benefits among credit union staff. Your employees are dealing with the same financial challenges as other Americans. The PwC 2018 Employee Wellness Survey results indicate financial insecurity negatively affects employee health and productivity and more employees want access to financial wellness benefits.Building a competitive edge. You can fulfill unmet needs of your membership and build loyalty through meaningful engagement. You’ll also attract new membership looking to access these benefits. Depending on the resources available to your credit union, you may find that a partnership with a financial wellness program like GreenPath Financial Wellness can be the quickest way to add financial counseling to your member service offering. They specialize in credit-union focused financial counseling and education services.GreenPath Financial Wellness has partnerships with over 500 credit unions across the U.S. and have helped others like you:Develop a financially healthier membershipReduce losses from charge-off or bankruptciesAchieve higher engagement levels with productsLearn more by connecting with us at cuna.orgLearn more about how GreenPath can help your members achieve financial well-being, by visiting 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Trump succeeding in  making America great

first_imgThe 30,000 emails Mrs. Clinton erased were not about her yoga classes or her mother’s funeral. They were about money she was taking for the fake Clinton Foundation. You know from people all over the world who thought they could buy favors from her when she became president. That’s someone who enriched themselves at the expense of the American people. Donald Trump is a billionaire; he’s donating his salary he gets as president. He could make a lot more money not being president. As far as not being qualified, Obama set the bar as the least qualified person to ever be president. He started the war on cops, attempted to destroy the greatest healthcare system in the world, added as much to the national debt as all the presidents before him, made race relations the worst they have been in 50 years. And the things he considers great accomplishments of his, he had to lie to get them done. For example, Obamacare, the Iranian agreement and don’t forget how he lied about Benghazi to protect his reelection.Cynthia, our economy is growing, unemployment is down, we have re-established ourselves as the world’s lone superpower as opposed to “leading from behind.” What a joke. Face it, Trump is making America great again.Dave EdwardsHalfmoon Categories: Letters to the Editor, Opinion Re May 30 letter, “Trump supporters must be voted out”: Ms. Cynthia Swanson’s claims are false and very hypocritical.There is no evidence that President Trump colluded with Russia. None. The only candidate who colluded with Russia in the last election was Mrs. Clinton. The fake dossier she paid for was written with Russian help.center_img More from The Daily Gazette:Police: Schenectady woman tried to take car in Clifton Park hours after arrest, release in prior the…EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Thruway tax unfair to working motoristsFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Find a way to get family members into nursing homeslast_img read more

Former Sumner County Treasurer Carolyn Heasty, 71, Wellington: July 20, 1944 – June 14, 2016

first_imgCarolyn HeastyCarolyn L. Heasty, age 71, loving mother, grandma, sister and friend, passed away Tuesday, June 14, 2016, at the Harry Hynes Memorial Hospice in Wichita, KS. She was elected Sumner County Treasurer in 1996 and retired in 2012.Carolyn L. (Barry) Heasty was born on July 20, 1944 in Wichita, KS to Orville Eugene Barry and Beatrice Orlean (Tennant) Barry. She was a graduate of Wellington High School with the Class of 1962 and a graduate of Wichita State University. She lived in the Wellington most of her life.Carolyn enjoyed spending time with her family and friends, watching Wichita State Shockers basketball, gardening, was an active member of Wellington Rotary Club and United Methodist Women.She is preceded in death by her parents.She is survived by her three daughters, Cassy and Danny Smith of Wellington, KS, Mary Mericle and Mike Mills of Moline, KS, and Gem and Steve Watts of Derby, KS; two sisters, Pat and Jimmie Frost and Shirley and Allen Weber all of Wellington, KS; seven granddaughters, Carley Smith and Taylor Smith, Jessi Mericle, Geena Mericle and her fiancé Michael Armstrong, MaKinzie Watts and Maddie Watts, and Tania and Brett Mariman; three great granddaughters, Avery Beatrice Tillapaugh, Evelyn Eugene Hinton and Ella Mariman.Funeral Services will be held on Saturday, June 18, 2016 at 10 a.m. at the First United Methodist Church.  Chaplain Dan Floyd will officiate.  Interment will follow the service at Osborne Cemetery in Mayfield.Visitation will be held at the funeral home on Friday, June 17, 2016 from 1 to 8 p.m. The family will be present to greet friends from 6 to 8 p.m. =A memorial has been established with the Sumner Regional Medical Center Endowment Foundation in lieu of flowers.  Contributions can be left at the funeral home.Frank Funeral Home has been entrusted with the arrangements.To leave condolences or sign our guestbook, please visit our website at www.frankfuneralhome.netlast_img read more

Victory for England at women’s Home Internationals

first_img4 Sep 2012 Victory for England at women’s Home Internationals England successfully defended their title in the women’s Home Internationals at Cork, Ireland – winning by the narrowest of margins over Wales. The two teams met today in the title decider and, in a very close encounter, the match was halved. But England emerged as champions on countback, having won more individual games during the three-day tournament. England had earlier beaten Ireland 9-0 and Scotland 5-4, while Wales defeated both those teams by a scoreline of 6-3. Team captain Chris Pascall commented: “We knew it was going to be a very tough day and the match was very close, but we got the half and that was a good result. We’ve won the week and that’s all you can ask.” Today’s match was intensely tight, with both the foursomes and singles exactly shared. As the afternoon’s play unfolded Wales seemed to have the edge, with only two England players ahead at the halfway stage. But England toughed it out and secured the necessary half. Curtis Cup star Holly Clyburn, who was three up at the turn, powered on to win her game 6/4. British girls’ champion Georgia Hall – ranked third in the world – took the lead in her match for the first time on the 15th. She also quickly won the 16th to go two up and halved the 17th for her point. Norfolk’s Amber Ratcliffe completed a successful team debut by securing the half with her 3/2 win. The 16-year-old was never behind in her game, although she was pulled back to all square after 12. She responded by winning the next three holes, before halving the 16th. The team, captained by Chris Pacall, was: Holly Clyburn (Woodhall Spa), Gabriella Cowley (West Essex), Georgia Hall (Remedy Oak), Bronte Law (Bramhall), Alex Peters (Notts’ Ladies), Amber Ratcliffe (Royal Cromer), Emily Taylor (Hillside), Kelly Tidy (Royal Birkdale). Results England 4½ Wales 4½ Foursomes Georgia Hall and Emily Taylor beat Amy Boulden and Becky Harries 4/2 Holly Clyburn and Bronte Law halved with Chloe Williams and Katie Bradbury Alex Peters and Kelly Tidy lost to Gemma Bradbury and Jess Evans 2/1 Singles Tidy lost to Boulden 3/1 Hall beat Williams 2/1 Taylor lost to Katie Bradbury 1 down Clyburn beat Gemma Bradbury 6/4 Amber Ratcliffe beat Evans 3/2, Law lost to Harries 4/3 In the day’s other match Ireland beat Scotland 5-4 How they finished: 1st England 2½ pt (games won 18½) 2nd Wales   2½ pt (games won 16½) England retained the title on the tie-breaking, individual games won rule. 3rd Ireland 1pt 4th Scotland 0pt   England snatch last gasp victory over Scotland 05 September 2012 England snatched a last gasp victory over Scotland today in the women’s Home Internationals at Cork, Ireland. Now they go head to head with Wales tomorrow in the title decider. Norfolk’s Amber Ratcliffe and Curtis Cup player Bronte Law both fought back in the final two singles to secure the precious 1½ points required for the team’s 5-4 win. Captain Chris Pascall said afterwards: “It was nerve wracking, but a very good result in the end. We had to dig deep.” The score means England, the defending champions, have won both their matches so far. So too have Wales, who today beat Ireland 6-3.   England, who enjoyed a 9-0 clean sweep in their opening match against Ireland, conceded their first game points of the tournament in this morning’s foursomes. English champion Kelly Tidy and English strokeplay champion Alex Peters romped to a 7/5 win in their game, conceding just one hole in the match. But the Scots beat the pairing of Holly Clyburn and Bronte Law and held Georgia Hall and Emily Taylor to a draw. As the singles unfolded, scoring remained extremely tight. With the first four games decided, England had won two, courtesy of Kelly Tidy and Emily Taylor, while Scotland also took two. Then, as the final two matches moved into the closing stages the Scots appeared to have the upper hand. Amber Ratcliffe, making her debut for England at this level, was see-sawing: one down after losing 15 to a birdie, all square after 16, one down after losing 17 to another birdie. Then, from a difficult lie in thick rough by the 18th green she got up and down for par to win the hole and halve her game. The outcome of the match then depended on Bronte Law – and the Curtis Cup player delivered the victory. She was never in front in her match until she won the 17th to edge one up with one to play – and she went on to also win the 18th for a 2up victory. Results England 5, Scotland 4 Foursomes Georgia Hall (Remedy Oak) and Emily Taylor (Hillside) halved with Kelsey MacDonald and Rachael Watton Kelly Tidy (Royal Birkdale) and Alex Peters (Notts’ Ladies) bt Laura Murray and Alyson McKechin 7/5 Holly Clyburn (Woodhall Spa) and Bronte Law (Bramhall) lost to Eilidh Briggs and Jane Turner 3/2 Singles Hall lost to MacDonald 1 hole Tidy bt Briggs 3/1 Clyburn lost to Watton 6/5 Taylor bt Rachel Walker 7/5 Amber Ratcliffe (Royal Cromer) halved with Lauren Whyte Law bt Turner 2 holes Final matches tomorrow: 08.30 and 13.10 Scotland v Ireland 09.00 and 14.10 England v Wales How they stand: England 2pt, Wales 2pt, Scotland 0pt, Ireland 0pt.   England beat Ireland 9-0 at Home Internationals 04 September 2012 England made a flawless start to their defence of the women’s Home Internationals with a 9-0 victory over the hosts, Ireland, on the first day of the championship at Cork. “It was a great result,” said captain Chris Pascall, whose team includes world number four, Georgia Hall, and three members of the winning Curtis Cup side, Holly Clyburn, Bronte Law and Kelly Tidy. But, she was quick to point out that despite the scoreline, the players had to work for their wins. Their strength was on the undulating greens, which are drying out after three days of sunshine and becoming very quick. “The putting was good today,” said Chris. The players set the tone of the day with their clean sweep of the three morning foursomes. Kelly Tidy and Alex Peters lost the first hole but were four up at the turn; Georgia Hall and Emily Taylor, birdied the 16th and won the 17th for their point, while Holly Clyburn and Bronte Law chipped in twice as they made their way to the turn five up.   As the singles got underway, English champion Kelly Tidy demonstrated devastating form with an 8/7 victory which she sealed with an eagle three on the 11th.   She was steadily followed by her team-mates.  Georgia Hall, the British girls’ champion, and Emily Taylor, the English girls’ titleholder, were never behind in their games; Amber Ratcliffe and Holly Clyburn both trailed by one hole during the front nine, but both played the back nine strongly to secure their points. Meanwhile, Alex Peters staged an impressive fightback to keep the clean sheet. The English stroke play champion was four down after 10 holes, but won the next six in a row, before halving the 17th for a 2/1 win. “It was a fantastic comeback,” said Chris. In the day’s other match Wales beat Scotland 6-3. Tomorrow England play Scotland, while Ireland play Wales. England results Foursomes Kelly Tidy (Royal Birkdale) & Alex Peters (Notts Ladies’) beat Gillian O’Leary & Sarah Cunningham  4&3 Georgia Hall (Remedy Oak) & Emily Taylor (Hillside) beat Mary Dowling & Jessica Carty 3&1 Holly Clyburn (Woodhall Spa) & Bronte Law (Bramhall) beat Deirdre Smith & Chloe Ryan 4&3 Singles Tidy beat Maria Dunne  8&7 Hall beat Carty 3&2 Amber Ratcliffe (Royal Cromer)  beat Lucy Simpson 3&1 Clyburn beat O’Leary 3&2 Peters beat Smith 2&1 Taylor beat Cunningham 4&3 Image © Cal Carson Golf Agency Full details: www.lgu.orglast_img read more

Cllr McGowan makes St Joseph’s his number one election issue

first_imgCathaoirleach of the Stranorlar Municipal District, Cllr Patrick McGowan has says he will be campaigning on the issue of St Josephs hospital during the forthcoming Council Elections, now only eight weeks away.As the person responsible for initiating this the campaign in 2016 when St Josephs was threatened with closure/replacement, I worked tirelessly with the committee and have attended every meeting over the last three years.“I will be putting the retention of long & short term beds in St Josephs as my top priority for the next couple of years.” Councillor McGowan was one of more than a thousand people who gathered at the weekend to protest about the future of the facility.He added “Democracy in this country is being eroded by the secrecy within the HSE and the Department of Health and the lies being repeatedly fed to us by Ministers.“Despite repeated promises from Government we have no HIQA report nor have we seen any proposal or plans to upgrade St Josephs or indeed the promised funding.“I proposed from the outset that we need a small extension built to the existing St Josephs hospital and the existing hospital renovated and future-proofed to HIQA standards.” He added that Lifford Hospital also deserves the public’s support as all this uncertainty is bad for staff, patients and public alike.And he warned “I intend to be a thorn in the side of those who think that we will lie down quietly while they diminish our essential services.”Cllr McGowan makes St Joseph’s his number one election issue was last modified: March 25th, 2019 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:cllr patrick McGowanST JOSEPHSStranolrartwin townslast_img read more

Protea hotspot under scrutiny

first_imgThe magnificent King protea, South Africa’s national flower. (Image: Fine Bush People) Fynbos in the Mont Rochelle Nature Reserve, with the Franschhoek mountains as backdrop. (Image: Franschhoek Wine Route)Janine ErasmusSouth Africa’s national plant, the protea, is creating a stir in botanical circles. An international team of scientists studying the magnificent plant and its habitat have discovered that new species of proteas, and other plants that exist with it, are appearing at a rate three times faster than anywhere else in the world, except Australia.Living up to its name, which was given in 1735 by Swedish botanist Carl Linnaeus after the shape-shifting Greek sea god Proteus, new species of protea are bursting onto the scene at a rate that has the scientific world agog. The plant is found in both South Africa and Australia.This super-fast evolution is creating a hotspot brimming with species richness, according to a recent report published in the journal Proceedings of the National Academy of Sciences and titled Contrasted patterns of hyperdiversification in Mediterranean hotspots.The team consists of botanists affiliated with renowned institutions in the UK, Australia, Sweden and the US. These include the world-famous Royal Botanic Gardens at Kew and its similarly-named counterpart in Melbourne, the Swedish Museum of Natural History, the National Herbariums of New South Wales and Victoria, Uppsala University, Florida State University, and South Africa’s Rhodes University.Hyper-diversificationThe protea occurs abundantly in South Africa’s Cape Floristic Region, also known as the Cape Floral Kingdom. This area is one of just five on earth which enjoy a temperate Mediterranean-like climate and have been designated as biodiversity hotspots by Conservation International, a non-profit organisation that works to protect these high-biodiversity areas.South Western Australia is another hotspot, and the other three are located in central Chile, California, and the Mediterranean basin.According to biologist Vincent Savolainen of the Royal Botanic Gardens in Kew, species other than proteas, also occurring in the two regions, are very likely experiencing the same phenomenon.“This study proves that the abundance of different kinds of proteas in these two areas isn’t simply due to normal rates of species diversification occurring over a long period of time,” he said. “This is the first step towards understanding why some parts of the planet with a Mediterranean-style climate have become species-rich biodiversity hotspots.”Previously there had been no explanation for the existence of biodiversity hotspots, but the new research has led the team to believe that that climatic changes millions of years ago could have sparked the so-called hyper-diversification of proteas in Australia and South Africa.“As these two regions became hotter, dryer, and prone to seasonal fires,” explained Savolainen, “proteas – which are drought-resistant and able to re-grow easily after a fire – would have survived, thrived and diversified into new species when faced with less competition for resources from less hardy plants.”Today both areas are environmentally sensitive and need careful conserving, he added, and understanding more about their evolutionary history can help make conservation efforts more efficient.Floral abundanceThe Cape Floristic Region is one of only two that encompass an entire floral kingdom – the other is New Caledonia in Canada. It has the greatest extratropical (outside of the tropics) concentration of plant species in the world, with 9 000 plant species. Some 6 200 of these are endemic.All of this biological wonder is found in an area of just 78 555km2. In fact, the region has the highest concentration of plant species found anywhere – 1 300 per 10 000 km2, compared to the 400 per 10 000km2 of its closest rival, the South American rain forest.The most prevalent type of vegetation in the Cape Floristic Region is the fynbos (Afrikaans, meaning “fine bush”, referring to the tough, needle-like leaves of so many of its specimens). There are four major plant types within the fynbos classification – bulbs, restioids, ericoids and proteoids. The latter consists of the Proteaceae family, which includes the king protea (Protea cynaroides), South Africa’s national flower.Proteas originated 300-million years on the vast continent of Gondwanaland. The Proteaceae family comprises two subfamilies: the Proteoideae of southern Africa, and the Grevilleoideae of Australia and South America. These two continents were also part of the great mass of Gondwanaland, which started to break up about 167-million years ago during the Jurassic period.The bulb section of fynbos includes more than 1 500 familiar species such as freesias, agapanthus, gladioli, and ixias, which have become popular around the world.Other biodiversity hotspots in South Africa are Succulent Karoo and Maputaland-Pondoland-Albany.Do you have queries or comments about this article? Email Janine Erasmus on [email protected] articlesWorld honour for SA botanistAfrican herbs’ healing potentialGeography of South AfricaUseful linksConservation InternationalProceedings of the National Academy of SciencesCape Floristic RegionCape Action for People and the EnvironmentFynbosProtea atlas projectThe King protealast_img read more

New homes for Soweto residents

first_imgLufhereng is the biggest housing project in Gauteng. (Image: Bongani Nkosi) After living in a Soweto farming settlement without proper shelter for about 15 years, Itumeleng Malebo has finally moved into a new house.Malebo, in his early 30s, is one of the beneficiaries of the Lufhereng housing scheme taking shape on Doornkop and Zuurbult farms in Soweto – South Africa’s largest and most famous township in south-west Johannesburg.The unemployed Malebo moved into his semi-detached house on 14 August 2010, where he stays now with his 20-something cousin, Tshepo Mfati.Soon after relocating, Malebo found a way of keeping hunger at bay by starting a spaza shop, which he runs from one of the bedrooms of the new house.“I opened my shop immediately when I moved in last Friday,” he said.He mostly sells groceries in his fledgling enterprise, and business has been growing gradually as fellow residents trickle into the newly developed area.This is what’s motivating Malebo to expand his small-scale venture: “I want to put in shelves very soon,” he said.The government officially handed over Lufhereng’s completed houses to beneficiaries on 17 August during a ceremony attended by community members and Minister of Housing Tokyo Sexwale.Lufhereng is a combination of Sesotho and Tshivenda words, meaning a place where people come together.Mixed housing optionsSince late 2008 more than 900 houses have been built on the 18 000ha site, which will eventually accommodate between 24 000 and 25 000 dwellings. It’s Gauteng’s biggest government housing project.“Every week we will be moving people into Lufhereng,” said Ruby Mathang, a leading official in the City of Johannesburg’s housing department.The new project’s beneficiaries are primarily Doornkop and Zuurbult farm labourers and residents, as well as people from Protea South informal settlement and elsewhere in Soweto.All these individuals registered for government’s social housing scheme in 1996 and 1997, including 79-year-old pensioner Nomfesane Mthula, who’s lived in the Protea South informal settlement since 1982.Lufhereng is a mixed housing project, meaning it has residences available for free, for the unemployed; and houses for middle- to high-income earners, who qualify for a bond.In the future it will also have houses for rent, schools, a business complex and other facilities.“Families with differing income levels will have access to an array of different accommodation options,” said Johannesburg’s mayor Amos Masondo. “The demand for housing remains high.”Farming to continueThe farmland on which Lufhereng is being built won’t disappear completely, as the government plans to set aside a portion of 480ha for cultivating crops.This will benefit the experienced and aspiring farmers of the area, according to the Gauteng provincial government.Black Economic Empowerment cooperatives will also be able to cash in on the agri-business scheme and Gauteng expects 10 000 jobs to be created through agricultural opportunities there.Breaking new groundThe Lufhereng project is one of many that the government is leading as part of its policy called Breaking New Ground.About 8 000 housing projects are under way across the country thanks to this concept, which aims to speed up development of new formal settlements and eradicate slums.The housing department was allocated R15-billion (US$2-billion) in the 2010 national budget to build new houses and has intensified its fight against corruption, which has plagued the sector over the years and seen many houses being handed over to incorrect owners.The Special Investigating Unit has been roped in to probe 20 “problematic housing projects” across the country, as well as private contractors and employees of the department.last_img read more

Is Modeling a Four-Letter Word?

first_imgRELATED ARTICLESEnergy Modeling Isn’t Very AccurateWUFI Is Driving Me Crazy A Brief Introduction to WUFI, in 5 Easy PiecesMakin’ WUFIThe Principles, Uses, and Limitations of WUFI Energy modeling has gotten a bad reputation in the home performance world. One conference I’ve attended has gone so far as to say that it’s “outside the sandbox” of topics presenters can cover. They want to see data, not modeled results. And they have good reason for that.The two kinds of physicistsComing from the world of physics, I have a different perspective. (OK, I had a different perspective even before the book Asimov on Physics opened my eyes to the beauty of the universe when I was 17.)In physics, modeling is essential. In fact, if you go to any physics department, you’ll find one of the two kinds of people: those who can extrapolate from incomplete data.But there’s another two kinds as well: the theorists and the experimentalists. They need each other.Without experimentalists, theorists would go completely off the deep end. (Some say they have with string theory.) Think of Aristotle here, with his peripatetic scholars relying only on logic to find explanations for physical phenomena and never bothering to test their ideas. It took nearly 2000 years for Galileo to usher in the era of modern science by rolling balls down inclined planes. The harmony of modeling and dataAlbert Einstein was the consummate theorist. He developed the special theory of relativity by imagining what it would be like to move along with a beam of light at the same speed the light was traveling. That was his idea of doing an experiment, and it even has a name: Gedankenexperiment, which means thought experiment in German.Einstein’s general theory of relativity was his expansion of special relativity. He published it in 1915, and that’s when the idea of the curvature of space-time was born. An important fact about this theoretical paper was that he based it on the available data. For example, it explained an anomaly in the orbit of Mercury.It also was testable. Four years later, Eddington confirmed the curvature predictions when he found a deflection of starlight around the Sun during an eclipse.On the other hand, he considered the “biggest blunder” of his life to be the introduction of an unnecessary “cosmological constant” simply to conform to the prevailing idea of a static universe. Had he believed his equations instead, he could have hypothesized the expanding universe 14 years before Hubble discovered it.That’s how science works. Ideas get thrown out there. They get tested by experiments. One negative result can disprove a hypothesis. No amount of data can ever fully prove it, but the more data you have, the more confident you can be in the validity of the idea.The problem with energy modelingNow, physics is a science. Home energy retrofits rely on science but are not science themselves. The late Phil Jeffers, an occasional commenter here, used to complain about turning home energy audits and retrofits into science projects. He had a good point.It’s easy to go too far with modeling, and Michael Blasnik has exposed the flaws with energy modeling. He’s looked at program results in Minneapolis, Oregon, California, and other places and found that most modeling overpredicts the savings, sometimes unrealistically so. No matter how good a home performance contractor is, for example, they’re never going to cut someone’s energy bills by 125%. (You can download the pdf file of his 2013 Building Science Summer Camp presentation, Lies, Damned Lies, and Modeling.)Likewise, John Proctor recently said, “We don’t need an energy model to tell us that an uninsulated house needs to be insulated and a leaky house needs to be sealed. Just fix it!”Is modeling useful?Joe Lstiburek has also been critical of modeling over the past few years, especially hygrothermal modeling with tools like WUFI. His company, Building Science Corporation, does WUFI analyses, and he’s open about when it should be done and when it shouldn’t. “I’m hoping two-thirds of the modeling that’s being done now won’t need to be done,” said Lstiburek at the 2013 BSC Experts Session, “and the modeling that’s needed is done correctly.”Lstiburek was talking about hygrothermal modeling, mainly for new construction projects with assemblies that don’t have much of a track record. Think R-40 truss walls and R-60 insulated rooflines. Doing some modeling ahead of time can help avoid costly mistakes.Jeffers, Blasnik, and Proctor were talking mainly about existing homes. The problems are usually obvious, as in the photo below, and we’ve got several decades of experience in weatherization and home performance contracting to help guide us in fixing them.The problem comes in with programs that require modeling so the program sponsor can justify the expenditures. We could spend a long time discussing this issue and how to fix it, but this article has already gone on far longer than I had intended and is threatening to suck up the rest of my day the way a black hole sucks up everything, including light, that gets too close. (By the way, black holes are another cool thing that came out of Einstein’s general relativity!)So let me conclude by going back to the title and saying that modeling is not a four-letter word. We need modeling. And we need real data from monitoring projects. We also need to keep it all in perspective and keep the focus on the results.Here’s another perspective: What good would physics be without modeling? Allison Bailes of Decatur, Georgia, is a speaker, writer, energy consultant, RESNET-certified trainer, and the author of the Energy Vanguard Blog. Check out his in-depth course, Mastering Building Science at Heatspring Learning Institute, and follow him on Twitter at @EnergyVanguard.last_img read more

Rajat Gupta’s conviction shocks Indian business elite

first_imgThe conviction of Indian American Rajat Gupta on charges of securities fraud has shocked India’s business elite, who are still struggling to come to terms with the downfall of one of their most celebrated members. Ironically, Gupta ‘s fall from grace was brought about by another Indian American, Preet Bharara, nicknamed the “Sherriff of Wall Street”, for leading a wave of insider trading probes over the last two-and-a-half years.”Having fallen from respected insider to convicted inside trader, Gupta has now exchanged the lofty board room for the prospect of a lowly jail cell,” as Bharara succintly summed it up after a federal court jury convicted Gupta on three counts of securities fraud and one count of conspiracy.In India, while many expressed feelings of sadness and shame, others admitted that the trial had damaged the international image of Indian commerce.”The devastating part of this is that Rajat was a hero and a role model to many of us, in terms of his success and his conduct,” says Jayant Sinha, managing director of Omidyar Network India Advisors, an investment group, and a former colleague of Gupta at McKinsey. “So to see this happen, it is just really heartbreaking.”During the trial many leading industrialists backed a public campaign supporting Gupta and casting doubt on the evidence against him, including Mukesh Ambani, the billionaire head of Reliance Industries and Adi Godrej, chairman of the Godrej Group.Ambani also published an open letter, in which he expressed admiration for Gupta’s philanthropic endeavours, which included a prominent role in setting up the Indian School of Business, an elite western-style management school founded in Hyderabad in 1999. “I respect Rajat for his selfless dedication and humility and he will always be a friend of mine,” he wrote.But while the tone of much of the reaction to the verdict has been marked by quiet regret others have been more critical, both of Gupta’s conduct and more broadly of the manner in which India’s business elite rallied to his defence.Gurcharan Das, an author of books on the Indian economy and former chief executive of the Indian operations of Procter & Gamble, said the saga suggested that Gupta, while associating with billionaires, aspired to become one of them.Born in Maniktala, Kolkata Dec 2, 1948 to a freedom fighter journalist Ashwini Kumar Gupta, Rajat became an orphan at the age of 18 as his parents died one after the other within two years.His upward journey began after he received a B.E. in Mechanical Engineering from the Indian Institute of Technology, Delhi, in 1971 and chose to go to Harvard Business School, where he was named a Baker Scholar.Gupta joined McKinsey & Company in 1973 as one of the earliest Indian-Americans at the consultancy. Starting his career in New York, he moved to Scandinavia to become the head of McKinsey offices there in 1981. Elected senior partner in 1984, he became head of the Chicago office in 1990.In 1994, he was elected the firm’s first managing director born outside of the US, and re-elected twice in 1997 and 2000. In this capacity, Gupta was recognized as the first Indian-born CEO of a global corporation.After retiring from active practice, while maintaining an affiliation at McKinsey, Gupta served as corporate chairman, board director or strategic advisor to a variety of large and notable organizations.These included Goldman Sachs, Procter and Gamble and American Airlines, and non-profits including The Gates Foundation, The Global Fund and the International Chamber of Commerce.Rajat Gupta is additionally the co-founder of four different organizations — the Indian School of Business, the American India Foundation, New Silk Route and Scandent with various partners.With IANS inputsadvertisementlast_img read more

Japan tennis fans hail ‘new Queen’ Naomi Osaka

first_imgPetra Kvitova feels a winner, despite Australian Open pain Don’t miss out on the latest news and information. US judge bars Trump’s health insurance rule for immigrants Lacson backs proposal to elect president and vice president in tandem SEA Games hosting troubles anger Duterte In securing victory in Melbourne after her stunning win over Serena Williams in the US Open last year, Osaka also clinched the world number-one spot, the first Asian to do so.Her US Open victory was the first by a Japanese player and she is now the youngest woman to win back-to-back majors since Martina Hingis in 1998 and the youngest number one since Caroline Wozniacki in 2010.With her gutsy performance in Melbourne backing up her breakthrough in New York, Osaka confirmed herself as the new star in the women’s game and fans were expecting her to kick on from here.“She can win much, much more! I want her to win on grass… I want her to win at Wimbledon!” Masako Takeda said at the bar as she wiped away tears of joy.Another fan, Aki Tani, praised Osaka for being “humble but playing boldly” on court.ADVERTISEMENT LATEST STORIES “I’m so happy that we can tell she has grown so much over the past two years!” she said.Nozomi Hirabayashi noted it was “unthinkable before” that a Japanese player could become the world’s best.“I’m so proud,” he said. “I want her to win the next Grand Slam as she is very mentally strong.”News flashes screamed across Japanese networks after the nail-biting match.The Sankei newspaper tweeted: “She scored a remarkable win that makes us see ‘the Era of Naomi’ coming up.”Osaka has a Japanese mother, a Haitian father and was raised in the United States.She has dual Japanese-American citizenship and often replies to questions from Japan’s media in English, apologising for not knowing the appropriate word when she speaks Japanese.Sports Related Videospowered by AdSparcRead Next But as Osaka claimed victory and sunk to her knees in triumph and disbelief, fans let out the pent-up emotion following a thrilling see-saw battle with eighth seed Petra Kvitova from the Czech Republic.They punched the air, clapped hands and gave each other hugs and high fives as shouts of joy rang around the B ONE bar in upmarket Ginza, replacing earlier chants of “Naomi! Naomi! Naomi!” FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSUrgent reply from Philippine ‍football chiefSPORTSWin or don’t eat: the Philippines’ poverty-driven, world-beating pool starsPrime Minister Shinzo Abe led his nation’s congratulations, hailing an “impressive victory in a very tight game”.“I’m so proud of the birth of the new world queen,” tweeted Abe. PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krausscenter_img View comments MOST READ Oil plant explodes in Pampanga town Grace Poe files bill to protect govt teachers from malicious accusations Oil plant explodes in Pampanga town Private companies step in to help SEA Games hosting ‘We are too hospitable,’ says Sotto amid SEA Games woes Customers react in a bar in Tokyo as Japanese tennis player Naomi Osaka wins the Australian Open tennis tournament, on January 26, 2019. (Photo by Martin BUREAU / AFP)It was an agonising two hours and 27 minutes but Japanese tennis fans burst into tears and shouts of joy Saturday as Naomi Osaka sealed her second straight Grand Slam.Supporters in a packed Tokyo bar had a rollercoaster ride watching the action from the Australian Open final as their heroine Osaka contrived to give up three Championship points in the second set.ADVERTISEMENTlast_img read more