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first_imgKantar Worldpanel has revealed that, despite continued deflation of 1.1%, supermarket sales rose by 0.3% in the 12 weeks ending 11 September.Growth was seen in alcohol in particular, as British consumers toasted the UK’s Olympic and Paralympic success in Rio.As has become the norm of later, star performers during the period were Aldi, with sales during the period up 11.6% and its market share now at 6.2%. Lidl’s sales rose 9.5% and its market share reached a high for the retailer of 4.6%. Frazer McKevitt, head of retail and consumer insight at Kantar, said: “The discounters are helping drive industry-wide growth in own-label premium lines, with marketing campaigns moving away from showcasing only price to focus on quality. Collectively premium own-label grew by 29.5% in the discounters in this period.”Of the big four retailers, Asda saw the largest sales fall of -5.4%; its market share stood 15.7% during the period. Despite a 0.2% decline year-on-year, Tesco enjoyed its best performance since March 2014, although its overall grocery market share fell back 0.1 percentage points to 28.1%.Sainsbury’s sales, meanwhile fell -1.4% in the period, as the retailer continued to reduce its levels of promotional activity and roll out a simpler pricing strategy. Morrisons’ market share fell 0.3 percentage points to 10.4%, reflecting its reduced store portfolio. However, its online sales are becoming more important, with shopper numbers up 45% on last year.For Iceland, sales grew by 6.3%, while Waitrose saw sale up 3.4% on last year, with the retailer reaching a new record market share of 5.3%. However, although its Half Price Event, boosted performance, Waitrose’s proportion of promotional sales reached a higher level than some of the traditionally more promotion-focused big four retailers.last_img read more

first_img1978679_748547311844813_1703148185_nThe Students’ Point-of-ViewHow has the outdoor program at Montreat helped you grow over the course of your attendance? Daniel Harmon: The Outdoor Education (OE) program has helped me grow by forcing me to become the leader I knew I could be, but was afraid to turn into. Through the constant class content and required leading of small groups, I have found the courage to accept that I am a person that can not only handle leadership, but also make a difference in the lives of those I lead.Jamie Sullivan: Since being enrolled at Montreat College as an Outdoor Education and Outdoor Ministry major I have been particularly challenged to develop my teaching and leading skills. I have not only had the chance to learn the philosophies but also been able to go out into the community and practice them. Montreat College has many partnerships with local schools and camp programs in the area which provides us as students a chance to practice our newfound skills on others in a safe environment. This has been particularly helpful as me as I can receive feedback and adapt my skills and philosophy before I take on a full time role after graduation.Kara Smith: This program has helped me grow spiritually first and foremost. I’ve had the opportunity to grow in my faith drastically and it’s because my professors are great leaders in that aspect and always incorporate faith and learning. Second, my ability to be an effective teacher is where I’ve also grown a lot. From needs assessment to preparing and implementing lessons I feel confident in my teaching skills. Nestled in the mountains of western North Carolina, Montreat College is at the base of some of the Southeast’s most iconic adventures. But location aside, the outdoor education curriculum at the college is top-notch. As one of the final two schools representing in the Championship round of our Top Adventure College Tournament, we spoke with Dr. Brad Daniel, Chair of the Outdoor Education Department at Montreat, and a few of his students to get a better idea about what the college has to offer the adventurous spirit.10646887_839638432735700_2719831883038236875_nWhat makes Montreat an ideal school for adventurous students?BD: Montreat is a contraction of “mountain retreat” and it is aptly named. Located 13 miles east of Asheville, NC., we are close to four wilderness areas, four N.C. state parks, several rivers that provide great whitewater paddling opportunities, and numerous rockclimbing locations including Linville Gorge. Our campus sits at the beginning of a 14-mile trail/road that ascends to the top of Mount Mitchell, the highest point east of the Mississippi River. The Great Smoky Mountains National Park is only an hour away.How long has Montreat had an outdoor program?BD: The outdoor program started in the mid-70s at what was then a junior college known as Montreat-Anderson. The program started as a two year A.S. Degree in Outdoor Recreation and a 20-day Christian-oriented Outward Bound-type wilderness expedition called Discovery. The first Discovery expedition went out in 1976. In 2016 will celebrate our 40th year of wilderness programming, making it one of the longer college-sponsored extended wilderness programs in the United States.What outdoor-related degrees, majors, and minors does Montreat offer?BD: Currently, our students can major in Outdoor Education or Outdoor Ministry at the undergraduate level. Our minors include Outdoor Education, Outdoor Ministry, Leadership, and Adventure-Based Counseling. At the graduate level, we offer a Master of Science in Environmental Education. We also offer a certificate in Wilderness Leadership. Through the coursework students can move towards being certified through the Wilderness Education Association, the Association for Challenge Course Technology, and the state of North Carolina’s Environmental Education Certification Program.last_img read more

first_img 46SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Darrin Myers Darrin Myers is currently the Chief Executive Officer for Loudoun Credit Union in Leesburg, Virginia.  Darrin has been with LCU since October of 2006 and was promoted to CEO in … Web: https://loudouncu.com Details 1) StaffingOr perhaps the lack thereof, staffing of qualified individuals is the key. Finding and retaining staff that is intrigued, engaged and willing to make things better, or do things differently, is the key to a limitless future.  Credit Unions in general, need to be pro-active when hiring new staff and we need to look for traits that are not always on paper alone. Here are a few key traits that I’ve looked for when hiring employees:Individuals who are not afraid to question all aspects of the business. I love hiring energetic and inquisitive people. The more questions you ask – the more driven and excited I notice that you are.Ask your staff for opinions and ideas. I’ve learned that often times the people working the front lines are more knowledgeable than we give them credit for.Offer a great work environment. Individuals want to make a living and support their families, but people also want to be happy with the place they spend most of their time. I’ve found that creating an environment that makes “work” interesting, fun and letting people be out-of-the-box thinkers can always bring a positive impact.2) Assessing your Membership.Understanding your membership and your core members is the quickest and least expensive way to kick-start your numbers. The people who founded the credit union are the foundation and principle of what you stand for. Tap into those who have a place in their hearts for the credit union and everything else will take off from there.Have your membership work for you; singing your praises and telling your story, because not only is it free, but personal testimonies are invaluable.Create and “Live” your Mission Statement. By having a clear and concise brand you will be able to define your business and make it easily understood. Your existing membership can share this with others that may not realize they are looking for a community based financial system.Many credit unions are not close to their actual potential when it comes to membership. Current members are our biggest fans, so why not encourage them to go out and share their stories with friends, family and others? After all, research still shows that “word-of-mouth” is still the best form of marketing.3) Electing/Maintaining a Committed Board and Supervisory Committee.When it comes to a not-for-profit financial institution, it is critical to have forward thinking individuals who want to make our credit unions excel beyond our founder’s dreams. We need board members who look beyond the next 1-2 years and where they want the credit union to be 10-15 years in the future.Electing and maintaining an active Board of Directors who is interested and wants to be a part of creating something bigger than us. Finding individuals who use your services are the most important, this gives the Board Member a key to examine what is being done right and wrong in the everyday needs of your credit union.Elect a Board of Directors with Different Personalities. We need leaders from all walks of life. Whether you make sure people are safe at stop lights, or design plans for a new condominium, you’re knowledge and skill means the world to us. We not only need realists and dreamers, but we need qualified and strong individuals. Not to mention a Chairperson who can bring everyone’s points of interest and ideas to develop a cohesive direction to follow over a 5-10 year plan.Be advantageous and use a third party to help develop the direction the board of directors want to go. They can keep everyone on track at strategic planning sessions and because they are an outside party – they usually put plans in place for the organization.4) Relaying Your Message to Potential New Members.  Even today we have many potential members who do not understand the purpose or reason for a credit union.We need to inform and educate our potential field, whether it is small groups or large auditoriums -we must go out and “meet and greet” where the potential lives and works. These people are our neighbors, our friends, and most importantly, the ones we connect with on a daily basis.Marketing internal and external on a budget. Smaller credit unions do not have large budgets to advertise or spend huge dollars on billboards or local TV commercials. Marketing doesn’t have to cost an arm and a leg. Get creative with your marketing dollars – free carwashes in the drive-thru and a pay-it –forward campaign can go a long way with members.  Another way to maximize marketing dollars is to tap into the Social Media platform. In most cases it’s free and we can sing our praises and control our message.  Email Marketing can take a little extra work, but can be an inexpensive way to meet new and existing members who use us solely as a savings account and to introduce them to the many services we have to offer.Be open to any and all ideas. Do not reject any idea because every great invention starts with a crazy thought. Evaluate it to determine if it works within your abilities.5) Write It on the Wall.Don’t steer away from the ultimate goal. If it’s growing the credit union in assets, increasing loans or gaining new members, keep a list where you see it everyday when you go to work. It doesn’t have to be a tattoo on your forearm, but make it permanent so you are reminded where you want to be in the future.Reviewing your Vision and Mission Statements regularly to make sure you are staying on point and going in the right direction.Do not get sidetracked from the small details and issues, review, resolve and keep moving forward.RRC – Revive, Reinvigorate and be Curious always.last_img read more

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first_imgDutch King Willem-Alexander has offered an apology over “excessive violence” suffered by Indonesians during the early years of Indonesian independence, acknowledging the period as a “painful separation”.The statement was conveyed by the king after he and Queen Maxima were hosted by President Joko “Jokowi” Widodo in an official ceremony at the Bogor Palace in West Java on Tuesday.”In line with earlier statements by my government, I would like to express my regret and apologies for the excessive violence on the part of the Dutch in those years,” Willem said during a joint press statement on Tuesday. In 2013, then-Dutch ambassador to Indonesia Tjeerd de Zwaan addressed an apology to 10 widows of men who were summarily executed in a series of mass killings in South Sulawesi between December 1946 and February 1947 during military operations by Dutch troops under Raymond Pierre Paul Westerling.The king’s four-day state visit kicked off on Tuesday. It went ahead despite the recent announcement of 19 confirmed COVID-19 cases in Indonesia.The Dutch king also expressed his desire to see a stronger tie between Indonesia and the Netherlands.”Indonesia has a long tradition of religious tolerance and can play a constructive part in this respect. It’s important to continue working together to foster peace, justice and the protection of minorities based on respect for sovereignty and territorial integrity,” King Willem-Alexander said.”And we are keen to work together with you toward this end.”Speaking before Willem, Jokowi emphasized the need for the two countries to forge ahead in a relationship of mutual respect.”Of course, we cannot erase the history, but we can learn from the past. It serves as a lesson for our commitment to grow a relationship that is equal and with mutual respect and mutually-beneficial,” the President said.Topics : “And I do so in the full realization that the pain and sorrow of the families affected continue to be felt today.”Willem’s statement reversed previous Dutch monarchs’ stance of refusing to apologize for the nation’s past war crimes in the country. During the last state visit by a Dutch monarch in 1995, Queen Beatrix was prevented by then-prime minister Wim Kok from offering an apology, saying the Netherlands was not ready.Indonesia declared independence on Aug. 17, 1945, but the Dutch only recognized its sovereignty on Dec. 27, 1949.The Dutch government had apologized several times for its colonial troops’ war crimes conducted between 1945 and 1949 in Indonesia.last_img read more

first_imgNokia and Ericsson have been chosen as Singapore’s main 5G network providers, telecom operators said, leaving Huawei with only a minor role as the Chinese tech giant faces growing United States pressure.Huawei has been dogged by allegations of stealing American trade secrets and aiding China’s espionage efforts, with Washington pushing countries to bar the company from involvement in their next-generation networks.Huawei has denied ties with the Chinese government. Singtel, one of the city-state’s main telecom operators, said Wednesday it had chosen Sweden’s Ericsson to build its 5G network after the government gave final approval.A joint venture that includes the country’s two other major telecom operators, M1 and StarHub, announced it had opted for Nokia to build its main 5G infrastructure.However, both M1 and Starhub said that other firms, including Huawei, could have some involvement in the project.Huawei only won the contract to be a provider for a smaller, local network system, operated by TPG Telecom, a more minor player. The Southeast Asian city-state tries to maintain good relations with both the US and China, and Information Minister S. Iswaran insisted that no company had been excluded in the selection process.”We have run a robust process spelling out our requirements in terms of performance, security and resilience,” he said, adding that mobile network operators also had their own criteria.”There is a diversity of vendors participating in different parts of the 5G ecosystem, and… there remain prospects for greater involvement in our 5G system going forward.”Iswaran said the 5G investments will run into “billions of dollars”.‘Knowing your supplier’Singapore is aiming to have ultra high-speed internet coverage for half of the country by the end of 2022, and expand it to cover the entire island by the end of 2025.The US government launched a worldwide campaign against Huawei, the world’s largest supplier of telecom network equipment and the planet’s number two smartphone maker, about 18 months ago.Washington essentially banned Huawei from the US market last year, although earlier this month it let the firm back into the fold when it comes to companies working together to set standards for 5G networks.The Pentagon has published a list of 20 Chinese companies it says are backed by the military, in the latest instance of a running tit-for-tat economic battle between Washington and Beijing, and Bloomberg reported Huawei is one of them.”As the People’s Republic of China attempts to blur the lines between civil and military sectors, ‘knowing your supplier’ is critical,” Pentagon spokesman Jonathan Rath Hoffman said in Washington.The list covers firms “owned by, controlled by, or affiliated with China’s government, military, or defense industry,” Hoffman said in a statement.”We envision this list will be a useful tool for the US Government, companies, investors, academic institutions, and likeminded partners to conduct due diligence with regard to partnerships with these entities.”Huawei did not immediately respond on the publication of the list.Topics :last_img read more

first_imgKLP said it blacklisted the Hong Kong-based Texwinca, which produces fabrics for the apparel industry, after discovering systematic violations of human rights in its factories in Vietnam.It also cut its holdings in Australian investment company WHSP and US tobacco firm Turning Point Brands due to the companies deriving revenue from coal and tobacco respectively.KLP said that, while it was not obliged to follow recommendations made by the Council on Ethics on the exclusion of companies, it usually did.“The assessment made by the Council on Ethics is thorough and well-documented, and we see no reason to deviate from it. The openness of Norges Bank and the Council on Ethics on which companies they exclude is important,” said Marte Siri Storaker, adviser for responsible investments at KLP’s investment arm, KLP Kapitalforvaltning.She added: “The companies are experiencing greater pressure to clean up when more investors are clear on which guidelines they have to deal with.” Norwegian pension fund Kommunal Landspensjonskasse (KLP) has excluded three companies for violations of human rights and involvement in the coal and tobacco sectors.Based on recommendations made by the Council on Ethics – the advisory body for Norway’s sovereign wealth fund – the NOK675.6bn (€69.6bn) pension provider excluded Texwinca Holdings, Washington H Soul Pattinson & Co (WHSP) and Turning Point Brands.KLP said it had only been invested in two of the three companies when the decision was put into effect on 13 March: it owned a stake worth around NOK2.9m in WHSP and roughly NOK96,700 in Texwinca Holdings.Norway’s NOK8.9trn sovereign wealth fund also had investments in Texwinca and WHSP but divested from them in January.last_img read more

first_img Tweet Share HealthLifestyle Web addicts have brain changes, research suggests by: – January 12, 2012 Share Sharing is caring!center_img 13 Views   no discussions Share Brain scans of white matter in the brainWeb addicts have brain changes similar to those hooked on drugs or alcohol, preliminary research suggests.Experts in China scanned the brains of 17 young web addicts and found disruption in the way their brains were wired up.They say the discovery, published in Plos One, could lead to new treatments for addictive behaviour. Internet addiction is a clinical disorder marked by out-of-control internet use.A research team led by Hao Lei of the Chinese Academy of Sciences in Wuhan carried out brain scans of 35 men and women aged between 14 and 21.Seventeen of them were classed as having internet addiction disorder (IAD) on the basis of answering yes to questions such as, “Have you repeatedly made unsuccessful efforts to control, cut back or stop Internet use?”Specialised MRI brain scans showed changes in the white matter of the brain – the part that contains nerve fibres – in those classed as being web addicts, compared with non-addicts.There was evidence of disruption to connections in nerve fibres linking brain areas involved in emotions, decision making, and self-control.Dr Hao Lei and colleagues write in Plos One: “Overall, our findings indicate that IAD has abnormal white matter integrity in brain regions involving emotional generation and processing, executive attention, decision making and cognitive control.“The results also suggest that IAD may share psychological and neural mechanisms with other types of substance addiction and impulse control disorders.”Prof Gunter Schumann, chair in biological psychiatry at the Institute of Psychiatry at King’s College, London, said similar findings have been found in video game addicts.He told the BBC: “For the first time two studies show changes in the neuronal connections between brain areas as well as changes in brain function in people who are frequently using the internet or video games.”Commenting on the Chinese study, Dr Henrietta Bowden-Jones, consultant psychiatrist and honorary senior lecturer at Imperial College London, said the research was “groundbreaking”.She added: “We are finally been told what clinicians suspected for some time now, that white matter abnormalities in the orbito-frontal cortex and other truly significant brain areas are present not only in addictions where substances are involved but also in behavioural ones such as internet addiction.”She said further studies with larger numbers of subjects were needed to confirm the findings. By Helen BriggsHealth editor, BBC News websitelast_img read more

first_imgDavid Beckham’s new Major League Soccer team Inter Miami have appointed Diego Alonso as their first manager. Loading… Inter sporting director Paul McDonough added: “In Diego we found a manager that fits our culture and has a strong desire to build a winning club for our fans.” Beckham’s Inter Miami CF, Nashville SC assigned to conferences by MLS Former England captain Beckham, who played for MLS side LA Galaxy from 2007-2012, is owner and president of the new franchise, and announced the club name, colours and new stadium plans in September 2018. Their first MLS match is at Los Angeles FC on 1 March. FacebookTwitterWhatsAppEmail分享 The Uruguayan, 44, was fired by Mexican side Monterrey in September, despite leading them to victory in the 2019 Concacaf Champions League. Alonso also spent four years at Monterrey’s rivals Pachuca, leading them to Champions League success in 2017. “It’s an ambitious and winning project – that’s what I’m all about,” he said.Advertisement Promoted ContentBirds Enjoy Living In A Gallery Space Created For ThemA Guy Turns Gray Walls And Simple Bricks Into Works Of ArtThe Very Last Bitcoin Will Be Mined Around 2140. Read More7 Ways To Understand Your Girlfriend Better8 Superfoods For Growing Hair Back And Stimulating Its GrowthFantastic-Looking (and Probably Delicious) Bread Art6 Extreme Facts About HurricanesMind-Bending Technology That Was Predicted Before It AppearedWho Is The Most Powerful Woman On Earth?Look Up At The Most Fascinated Ceilings In The World5 Of The World’s Most Unique Theme ParksYou’ve Only Seen Such Colorful Hairdos In A Handful Of Animelast_img read more

first_img“Some of the (stranded) Antiqueñosclaimed that they did not know about the temporary closure while the otherstried to beat the temporary closure,” she added. “It is better to let them stay at theevacuation centers in Pandan first until such time that the EO will be lifted. Weare sure that they are in good physical condition,” Untaran said.(With a report from PNA/PN) Social worker at the PSWDO, CarlaButiong, said that 68 stranded Antiqueños at the Bawang Elementary School andthe Sta. Cruz Elementary School were provided with rice, corned beef, sardines,towel, and laundry soap as they are no longer permitted to go home to theirrespective hometowns. “They are Antiqueños who are eitherworking in Boracay or other parts of Aklan. They were no longer permitted to gohome because of the enhanced community quarantine,” Butiong said. Meanwhile, the PSWDO has coordinatedwith the respective municipalities of the stranded Antiqueños to provide foodsupplies to their constituents in the evacuation centers. SAN JOSE, Antique – Stranded Antiqueñosin evacuation centers in Pandan town have been provided with food and otheressential needs by the Antique provincial government through the ProvincialSocial Welfare and Development Office (PSWDO). The said Antiqueños were permitted to goout of Aklan but were stopped at the Antique border by the members of the Inter-AgencyTask Force for COVID-19 implementing the restriction. The borders closed were in the towns ofHamtic and Anini-y in the southern part of the province (Antique-Iloilo) andthe towns of Libertad and Pandan in the north (Antique-Iloilo) Stranded Antiqueños housing in schools in Pandan, Antique due to the enhanced community quarantine had been given food packs and other essential needs by the Antique provincial government through the Provincial Social Welfare and Development Office. PSWDO To recall, Gov. Rhodora Cadiao issuedExecutive Order (EO) No. 36 on March 22, which placed this province underenhanced community quarantine and closed its borders until March 31. San Jose mayor Elmer Untaran urged theother local government units in this province to help those stranded there.last_img read more