The Antarctic Ice Sheet extent in the Weddell Sea Embayment (WSE) during the Last Glacial Maximum (LGM; ca. 19–25 calibrated kiloyears before present, cal. ka BP) and its subsequent retreat from the shelf are poorly constrained, with two conflicting scenarios being discussed. Today, the modern Brunt Ice Shelf, the last remaining ice shelf in the northeastern WSE, is only pinned at a single location and recent crevasse development may lead to its rapid disintegration in the near future. We investigated the seafloor morphology on the northeastern WSE shelf and discuss its implications, in combination with marine geological records, for reconstructions of the past behaviour of this sector of the East Antarctic Ice Sheet (EAIS), including ice-seafloor interactions. Our data show that an ice stream flowed through Stancomb-Wills Trough and acted as the main conduit for EAIS drainage during the LGM. Post-LGM ice-stream retreat occurred stepwise, with at least three documented grounding line still stands, and the trough had become free of grounded ice by ~10.5 cal. ka BP. In contrast, slow-flowing ice once covered the shelf in Brunt Basin and extended westwards toward McDonald Bank. During a later time period, only floating ice was present within Brunt Basin, but large ‘ice slabs’ enclosed within the ice shelf occasionally ran aground at the eastern side of McDonald Bank, forming ten unusual ramp-shaped seabed features. These ramps are the result of temporary ice-shelf grounding events buttressing the ice further upstream. To the west of this area, Halley Trough very likely was free of grounded ice during the LGM, representing a potential refuge for benthic shelf fauna at this time.
The dredge Illinois takes shelter in the bay behind Longport on Wednesday, Nov. 18. The marine forecast calls for seas of 4 to 7 feet with a southeast wind as strong as 35 mph on Thursday. Swells are expected to subside on Friday as the wind turns from the northwest. The dredge Illinois took shelter Wednesday in the bay behind Longport to avoid rough seas generated by a gusty southeast wind.The dredge is expected to return to work no earlier than Friday, according to Stephen Rochelle, spokesman for the Army Corps of Engineers Philadelphia District.The dredge is in the middle of a $9 million project to pump 700,000 cubic yards of new sand to rebuild eroded beaches from Seaspray Road to 15th Street. The project has reached the area between First Street and Second Street on its way southward to 15th Street.The work started Nov. 2 and is expected to take between 45 and 60 days.
Like it or not, government rules and initiatives have an impact on your credit union. This week – in addition to updates on upcoming regulations related to payday loans, electronic checks, military lending and Dodd-Frank – we consider White House cybersecurity czar Rob Joyce’s suggestion to retire Social Security numbers in favor of a more modern approach to identity. Once again, change rules.White House: Is It Time to Retire Social Security Numbers?PYMNTSWill the government ditch Social Security numbers in favor of a “modern cryptographic identifier?” Rob Joyce, White House cybersecurity czar, thinks Social Security numbers may be ready to retire, since they no longer fulfill their intended function – and bring a number of unintended challenges.New CFPB Rule Could Curb Payday Loan IndustryReutersThe CFPB released a new regulation that could put a chill on revenues for the $6 billion payday loan industry. The rule requires lenders to determine if borrowers can repay their debts and caps the number of loans lenders can make to a borrower. If this regulation survives challenges in Congress and in court, it could be a boon for consumers and conventional lenders alike. continue reading » 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Congratulations, you’ve made the big decision to become a homeowner!Before you start looking at houses, here are a few key mortgage terms you need to understand before you look into financing the home of your dreams.Principal: This the original total amount borrowed from your lender, before interest.Interest: Interest is the cost of borrowing money. You repay the principal amount of the loan, plus interest.Interest rate: This is the rate you are charged for borrowing the principal. The percentage rate, whether high or low, depends a variety of factors that include your credit score, the size of your downpayment, the length of your loan and the current economy. Interest rate is very important because the higher your interest rate, the higher your monthly mortgage payment will be. Plus, a high interest rate means you’ll end up paying more over the lifetime of the loan.Private Mortgage Insurance: This extra fee is designed to protect your lender if you aren’t able to make your mortgage payment. Most lenders require PMI if you your down payment is less than 20% of the value of the home.Down Payment: You’ll probably be required to pay a certain percentage of your home’s total sale price upfront – this is called a down payment. In general, the larger the down payment, the lower your monthly payments. Traditionally, lenders have asked for a 20% down payment. So for a $350,000 house, you are looking at a 20% down payment of $70,000 upfront. Depending on your credit score and the economy, lenders may let you buy the home with as little as 5% down. However, if you don’t have enough saved to make a 20% down payment, you’ll need to pay PMI.Term: The term of your loan means how long your lender will give you to pay back your loan. Most mortgages have 30-year or 15-year terms. The longer the term, the lower the monthly payments, but you’ll pay more over the lifetime of the loan because of interest.Monthly payment:Your monthly payment will be the same every month, and it will include of a portion of the loan principal, interest, mortgage insurance (if you put less than 20% down) and a portion of your annual cost of property taxes and homeowners’ insurance – both are mandatory.Purchase points: Points are a fee paid to the lender up front as a way to lower your interest rate. Each “point” is equal to 1% of your mortgage principal and generally represents a .25% drop in your mortgage rate. So if you have a $300,000 mortgage with a 5.00% interest rate, you could pay an additional $3,000 up front and reduce your interest rate to 4.75%. Points can produce big savings down the road if you have the money saved up.Fees: There are many fees you’ll need to cover when you begin the mortgage process and at closing, when you finalize the loan. Specific amounts will vary based on the lender and other factors. It can feel overwhelming, but the good news is that lenders are required by law to provide a loan estimate and fee disclosure up front that breaks down all costs, fees and details regarding your mortgage. Here are a few fees that are typically part of your mortgage costs:Lender charges/origination fees: Including application fees, underwriting fees, processing fees, administrative fees and others.Third-party closing costs: These are charges for services you need to get your mortgage, like a home appraisal and title insurance.Taxes/Government fees: This is based on the real estate portion and related local government charges.Prepaid expenses and deposits: These costs are paid up front and held in an escrow account to cover things like your first homeowners insurance and property tax payments. 34SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » A child who wanted nothing to living in poverty. A successful student to a college dropout. A call center representative to a CEO of a credit union.Ronaldo Hardy has experienced them all during his life. And all were moments that shaped who he is today.“As we’re navigating our journey, we miss moments on that journey because we are fixated on the shoes that are getting us there,” says Hardy, president/CEO of $104 million asset Southwest Louisiana Credit Union in Lake Charles. “We each have a unique journey, and it’s important to identify that uniqueness and appreciate the uniqueness of the journey.”Looking back at his own journey, Hardy shared three lessons that he learned during the CUNA Young Professionals Conference Friday in Madison, Wis.: Ronaldo Hardy addresses The 2018 CUNA Management School in Madison, Wis.
Cover photo: Central Istria Tourist Board In the first half of August, 14,30% more arrivals were realized compared to the same period last year The share of overnight stays by country from January to mid-August was: Germany 60%, Croatia 10%, Austria 5%, Belgium 4% and the Netherlands and Poland 3% each. Interestingly, the average length of stay of foreign guests was eight days, but which clearly shows the profile of guests coming to luxury holiday homes. These are hotel guests, but who want privacy in addition to luxury. Precisely luxury holiday homes will not only be in the short-term trend, but will remain the main or premium accommodation product in the long run. Even more sought after by hotels with 4 **** More about the attached article. In the period from 01. to 16.08.2020. 6.945 arrivals were realized, ie 14,30% more than last year and 50.357 overnight stays, which is 92,78% of last year’s number of overnight stays. Foreign guests realized 96% of overnight stays, and domestic 4%. The interior of Istria is a marvel of story, emotion and experience, and the foundations are more than excellent. But now it is necessary to put development in a planned, sustainable and strategic framework and accelerate development, in order to arrange and protect the tourist mosaic wisely. Central Istria is the “new big thing” of Istrian tourism. “Our accommodation capacities are mostly holiday homes, which are dislocated and offer guests privacy and isolation, which were additionally sought after this year. Precisely central Istria with a combination of outdoor activities without large crowds, eno gastronomic offer, natural and cultural – historical attractions offers quality facilities without the need for contacts, if the guest does not want it”Points out the director of TZSI Sanja Kantaruti. / / / FINALLY STORIES AND A DIFFERENT NARRATIVE IN THE PROMOTION OF A TOURIST DESTINATION – DARE TO EXPLORE At least it should be, but it is necessary to accelerate strategic and sustainable development, and save the area from devastation. If anyone has experience in tourism, it is certainly Istria, as well as the negative consequences of the same. It is logical and natural for central Istria to be a new oasis of year-round tourism. / / / LUXURY HOLIDAY HOMES ARE NOT JUST A CURRENT TREND, BUT THEY WILL BECOME THE FIRST CHOICE. MARRIOTT CONFIRMS THIS AS WELL As has been said since the beginning of the Covid crisis, a special focus this year will be on the interior as well as the luxuries of the holiday home, which have been excellently filled this year as well. Although it is difficult to predict what the post-season will be like at the moment, due to the “closing” of Italy, Austria, and maybe soon Slovenia, they are still hoping for a good post-season in central Istria. Central Istria is the “new big thing” of Istrian tourism. In 2020, there are 11% more accommodation units in the TZSI area than in 2019 (1.139) and 10% more beds (5.281) and facilities (913) than in 2019. While on the one hand we have developed sea destinations and tourist infrastructure, as well as strong hoteliers, on the other hand central Istria is exactly the product that Istria lacks, in order to complete the whole story. The central, ie the interior of Istria is exactly the biggest secret and the next big step that Istria must complete and embrace. But a totally different tourism product from sea tourism, which complements itself perfectly. Also, everything is close in Istria, and from any destination on the coast you are in half an hour in a tourist story and ambience. There are certainly various dangers and negative trends if the entire development is not conducted strategically and planned. As is the great interest of investors for a new wild “apartmentization” by creating artificial Istrian villages without soul and people. And all under the prism of real estate, not tourism business. A city or a village is not made up of buildings, but of people. And tourism without people makes no sense. Who will sell an authentic experience if not the locals. Ultimately, for whom is tourism developed, if not to raise the quality of the local population? Also, one of the positive things that is happening in Istria, and thanks to more and more luxury holiday homes is the opening of a new market for family farms. Thus, local Istrian family farms organized and began to offer guests in holiday homes deliveries of their products to the doorstep. A new market has opened up, which I also wrote about in the above article. The main problem of central Istria is that it is again not united as one tourist product, the North-Western cluster is missing, which creates additional problems in positioning, branding and development. It is NW Istria that has developed and positioned itself best, at least in my opinion, and let’s say we have an absurd situation where Motovun belongs to central Istria, and Grožnjan to NW Istria. Tourists really do not know or are interested in various municipal, city, county and other imaginary borders, but they see first Croatia as a destination, and only then Istria. That is why it is necessary to brand the regions, and then descend to logical and natural wholes, as well as niche rounded tourist products. And that is why central Istria should be one brand, because it is one story. I emphasize, it is about the interior of Istria or one area. That is why it is not surprising that the area of the Tourist Board of Central Istria (TZSI) in the period from 01.01. to 16.08.2020. realized 20.757 arrivals, ie 72,44% in relation to the same period last year and 153.215 overnight stays or 71,89% in relation to 2019. Of the above, 90,38% of overnight stays were realized by foreign and 9,62% by domestic guests . Another major problem is slow strategic development due to lack of financial and human resources. There is a lack of human capacity as well as a financial budget, to arrange the whole story wisely. Especially from the County of Istria and the Tourist Board of the County of Istria, a much greater focus and financial injection is needed, ie its strategic development. It cannot be said that they do not finance development, but they are crumbs – too little and not enough, for a real step forward. The potentials, but also the signal from the market are there, everything is already nicely arranged, you just need to network it nicely, package and present it and give direction and vision of development. Development cannot be left to small municipalities and cities and tourist communities, which do not have enough human and financial resources to make a bigger step forward. “The post-season is growing from year to year, and the number of domestic guests is growing, which makes me very happy. Our facilities are open in the off-season, the season continues and we hope that growth will continue in the off-season. ” Kantaruti concludes. But it is important to accelerate development, but to be strategic and sustainable. This is precisely the role of the public system as a DMC / DMO agency to smartly lead and push these processes forward. Because the private sector recognized this very well, the whole story holds water very well on the market and the interior of Istria began to breathe with full tourist “lungs”. The focus is on quality, not quantity. Villa Covri / photo by Rajan Milosevic / Corridor 2 7 The question is: Will the interior of Istria develop slowly and “spontaneously” or will development accelerate, but through smart, planned and sustainable management of the new Istrian tourist paradigm. This is a real challenge and a key issue. The quality development of the interior of Istria is in the interest of large hoteliers as well as the whole of Istria, because it is this content that prolongs the season, attracts quality guests, increases tourist spending, and gives value for money. In my opinion, there are two key problems.
Japanese biopharmaceutical firm Anges Inc said on Tuesday that it and Osaka University had completed development of a DNA vaccine against the new coronavirus and that it would begin testing it in animals soon.Shares of Anges surged as much as 17% in morning trade in Tokyo, compared with a 5.3% gain in the broader market.Anges, a drug-discovery company launched out of Osaka University, announced its collaboration with the school on a coronavirus vaccine on March 5. DNA vaccines are produced using an inactivated virus and can manufactured faster than protein based vaccines, according to the company statement. Takara Bio Co is in charge of production of the vaccine and Daicel Corp’s gene-transfer technology is also being utilized, the statement said.Global pharma companies are racing to develop vaccines and treatments for coronavirus, which has reached 350,000 cases globally and resulted in over 15,000 deaths.In Japan, market leader Takeda Pharmaceutical Co is working on a plasma-derived therapy, while the active ingredient in Fujifilm Holdings Corp’s Avigan anti-flu drug is being tested as a treatment in China. Topics :
Comment Advertisement David Luiz was handed a one-year contract extension by Arsenal (Picture: Getty Images)David Luiz is a bubbly character who boosts the morale of the Arsenal squad, which will have been a reason behind his contract extension at the club, reckons his former teammate Mark Schwarzer.The 33-year-old was handed a one-year contract extension by the Gunners on Wednesday, a week after his calamitous performance against Manchester City in the Premier League, which saw him make a glaring error leading to a goal, give away a penalty and get sent off.Many thought that the Brazilian’s career in the Premier League was coming to a close after that display, and with his contract expiring at the end of this season, but Arsenal have chosen to keep hold of him for another 12 months.AdvertisementAdvertisementHaving played with Luiz at Chelsea, Schwarzer feels there are reasons beyond football for this as the centre-back has a positive impact on the squad because everybody likes him.ADVERTISEMENT‘He’s a great guy to have around the group,’ Schwarzer told Sky Sports. ‘He’s actually a really likeable person, he’s got a great sense of humour, he’s great for team morale, when things are going really well he’s brilliant.‘Am I surprised he’s been offered a new deal? They’re obviously not basing it off the last performance. There’s no doubt about that, they’ve been in discussions with him for a while. I think it was an activation of an extension of the contract.‘Listen, he’s got some really good qualities. I know he’s made some high-profile errors that have led to goals and been costly for Arsenal but when you get him right and he’s mentally on song he can be a very valuable asset to the team. Mark Schwarzer is a fan of David Luiz off the field (Picture: Getty Images)‘He’s a likeable character within the group. I don’t know many people who didn’t get on with him or didn’t like him.‘He’s always bubbly [but] there’s no doubt he would have been down after the game against Man City. He wears his heart on his sleeve so that would have affected him.‘I know that within the group he’s generally very well liked and considered an important member of the squad in terms of morale.’More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityOn the announcement of Luiz’s new deal, Arsenal technical director, Edu, said the defender has been an integral part of the team since his arrival from Chelsea last summer.‘David is a really important player for us,’ said Edu. ‘He has played most of our matches this season and has been important for the team. ‘His passing, his communication with the team on and off the pitch. He helps everyone.’Luiz misses the trip to Southampton on Thursday night through suspension.MORE: Emmanuel Petit slams ‘average’ Arsenal and tells Pierre-Emerick Aubameyang to quitMORE: Former transfer chief Sven Mislintat telling people Arsenal is an ‘absolute mess’Follow Metro Sport across our social channels, on Facebook, Twitter and Instagram.For more stories like this, check our sport page. Advertisement Metro Sport ReporterThursday 25 Jun 2020 12:12 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link358Shares David Luiz boosts morale at Arsenal, reckons Mark Schwarzer after Brazilian handed new contract
For the second time in less than six months, investors are left scratching their headsThe election of Donald Trump as US president represents a sea-change in politics, and, for a second time in less than six months, following the UK’s Brexit vote, investors are left unscrambling the implications for markets over various time horizons.Ahead of the election, investors saw a short position on the Mexican peso versus the dollar as a key instrument to hedge against a Trump win. Indeed, the Mexican peso fell by 7.5% the day after the election. Healthcare, tipped to benefit from Trump’s policies, was up by 3.3%.Overall, the initial market reaction was muted, but the longer-term implications are less clear. Trump’s hostility towards free trade and institutions of supranational governance, including NAFTA and NATO, have been widely discussed. It is assumed that a more protectionist US with higher tariff barriers to trade will lead to lower growth and prosperity over the long term. Precisely how and the extent to which this plays out will remain a matter of conjecture. Trump’s election will be judged with hindsight as a key staging post in a series of political events that includes Brexit and the possible success of populist parties and candidates in Dutch, French and German elections across 2017.There is an indisputable current of popular discontent in the West, probably caused by declining living standards among a large section of the population. Populist, usually right-wing, politicians, parties and movements, including Trump, have succeeded in harnessing this discontent using anti-immigration, anti-globalisation and anti-elite rhetoric to fan the flames.In the US, much will hinge on the administration that Trump forms, and there was moderation in his tone after his election. A mainstream Republican appointment as treasury secretary would reassure markets. Trump’s Keynesian ambitions on infrastructure spending may remain an aspiration, as it is uncertain how he would push an ambitious package through a fiscally conservative Republican Congress, even if there is support for more infrastructure spending.Trump’s hostility towards climate change is worrying, and his rhetoric has extended to questioning global-warming science itself. While the Paris Agreement became international law in November, an about-turn on US climate change policy – as looks likely – would represent a setback to the 2°C carbon-emission reduction target. It would also weaken the resolve of others.Pragmatism and Trump’s supposed deal-making skills may soften the edges of his presidency as stump promises are abandoned. Or his presidency may become mired in acrimony and failure as the contradictory nature of his objectives becomes clear. For investors, political uncertainty is back like never before.Liam Kennedy is editor of IPE
AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisAs the new Biggby Coffee in Alpena gears up for opening day, staff members invited the public indoors for a free cup of coffee, espresso or cream freeze Thursday and Friday as part of their week-long intensive training. The doors to Biggby will open Tuesday, May 8.Facebook | https://www.facebook.com/WBKBTV/ Twitter | https://twitter.com/WBKB11 Instagram | https://www.instagram.com/wbkbtv/ AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisContinue ReadingPrevious Shipwreck Norman Named One of the Top Sites to Dive in the United StatesNext Indian Reserve Road Set for Resurfacing Project