Viewpoint

first_imgThere is no doubt about it. The supermarkets really are leading the bakery market when it comes to lowering salt levels in bread, and Sainsbury’s is right at the helm.The company was lauded and applauded in the House of Commons last week by Dame Deirdre Hutton, head of the Food Standards Agency (FSA), for already having lowered salt levels in own-label sliced bread. It has done this four years ahead of target.It is also proving successful at getting real flavour into its own ‘Taste the Difference’ range – not with salt, but with a sour blend that is going down really well with customers. Sainsbury’s chief executive Justin King’s own grandfather was a craft baker, and anyone who attended the Baking Industry Summit recently will know just how passionate he was about bread. It is translating through to the goods on the shelves. He also showed that he listens to health experts.Years ago, most bakers considered salt levels to be a tetchy subject, which they would rather not address. How far we have travelled. When salt levels in food first became a subject of debate in the national press, 3% of consumers took note. Then evidence began to be produced by Professor Graham MacGregor of Consensus Action on Salt and Health (CASH)). Now, after a significant increase in press coverage and the fact that the FSA itself is on board, and has even pioneered two advertising campaigns, that 3% awareness has risen to 30%, and the figure is climbing.Why is salt reduction in our foods and our daily intake so important? The answer is because we need 1.6g daily. We can tolerate 6g daily, but many of us are consuming between 9g and 18g daily. This is leading to a proliferation of high blood pressure and its consequences – heart disease and strokes. The NHS is short of funds and is spending a fortune treating heart disease and stroke victims, whose illnesses are often long-term.The supermarkets want to be seen as responsible vendors. They are putting pressure on the plant bakers, and craft bakers will need to follow suit.So we must all allow three weeks or so for our taste buds to adapt to less salt, which they do. And adding a bit more lemon or herbs to our foods, or putting delicious sours in our breads, never did anyone any harm.last_img read more

Eric Clapton Reveals He’s Going Deaf

first_imgEric Clapton told BBC Radio 2 earlier this week that he is losing his hearing and suffering from tinnitus, a ringing inside the ear that is often caused by prolonged exposure to loud noise. According to The Daily Mail, Clapton revealed the news in an interview with Steve Wright on Tuesday. The legendary English musician—widely considered one of the greatest guitarist of all time—explained that he’s anxious about his ability to play his instrument and sing proficiently during an upcoming British Summer Time Festival in London’s Hyde Park.“I am still going to work. I am still going to do a show at Hyde Park in July,” he said. “The only thing I am concerned with now is I am going deaf, I’ve got tinnitus, my hands just about work.”“I’ve had quite a lot of pain over the last year. It started with lower back pain, and turned into what they call peripheral neuropathy,” he added. “[It’s] hard work to play the guitar and I’ve had to come to terms with the fact that it will not improve.” Clapton went on to tell Wright that he would be limiting the number of plays going forward, explaining, “‘What I’ll allow myself to do, within reason, is carry on recording in the studio. I don’t want to go off the boil to the point where I’m embarrassing myself.”Additionally, Tuesday’s interview shined a light on the forthcoming film, Eric Clapton: A Life in 12 Bars, which is due out this Friday. The documentary dives into the tumultuous personal life of the guitar legend, who rose to prominence in the 1960s and ’70s as a result of his solo work and time with pioneering bands like Cream and The Yardbirds. In particular, the film shines a light on Clapton’s battles with drug and alcohol abuse, a struggle that lasted for years until the guitarist embraced sobriety in 1987. During Tuesday’s interview, Clapton noted that he would often spike his Carlsberg Special Brew lager with vodka in order to mask how much alcohol he was consuming.“For at least 20 years I was a basket case, and that is putting it lightly,” he said. “I drank more than you can imagine, a Special Brew with vodka. It looked like you were just drinking a lager, but in fact, you weren’t.”Eric Clapton: A Life in 12 Bars will debut this Friday, January 12 on Showtime. Clapton’s performance at the British Summer Time Festival in London is set for July 8. That show will also feature appearances by Santana, Gary Clark Jr., and Clapton’s old Blind Faith bandmate Steve Winwood.[Photo: Wikimedia user Majvdl via CC BY-SA 3.0 license]last_img read more

Conference discusses justice

first_imgThis weekend’s 30th anniversary of the Africa Faith and Justice Network conference will highlight the plight of people in Africa, Rev. Bob Dowd, director of the Ford Family Program in Human Development Studies and Solidarity, said. “It’s a great way to learn about important issues that affect the quality of life of people in Africa,” he said. “It’s an important way to learn about how we can make a difference through our advocacy.” The conference, titled “Justice for Africa – Justice for the World,” will take place at Notre Dame today through Sunday for the second time in the conference’s history. Dowd said the Africa Faith and Justice Network considered many factors when it decided to hold the conference at Notre Dame, particularly its position as a leading university. “To hold a conference at our University is something the AFJN leadership thought would be important because they really wanted the conference to engage young people in the work of AFJN and involve young people to be a part of it,” he said. Additionally, Dowd said the Congregation of the Holy Cross is an organizational member of AFJN. Notre Dame also has a student chapter of AFJN. “Universities are places where people devote themselves to learning and understanding,” Dowd said. “Part of AFJN’s mission is to promote awareness and a greater understanding of the challenges that face the people of Africa. The conference will feature several speakers and workshops outlining quality of life issues in Africa, Dowd said. Emira Woods, co-director of Foreign Ppolicy In focus at the Institute for Policy Studies in Washington, D.C., will deliver the keynote address this evening. “It’s a great way to grow in understanding and also begin to explore how we might act in order to promote greater justice in our world,” Down said. “I think growing in understanding is the first step.” The Kellogg Institute, the Center for Social Concerns, the Holy Cross Mission Center, the Institute for Church Life, the College of Arts and Letters and the Department of Africana Studies are sponsoring the conference. “I would invite everyone to the conference, especially people who have the slightest interest in Africa and how the U.S. relates to Africa and African countries,” Dowd said.last_img read more

Shakespeare in the Park’s The Tempest Opens Tonight

first_imgAbout the Artist: With a desire to celebrate the magic of live theater and those who create it, and with a deep reverence for such touchstones as the work of Al Hirschfeld and the wall at Sardi’s, Squigs is happy and grateful to be among those carrying on the traditions where theater and caricature meet. He was born and raised in Oregon, lived in Los Angeles for quite a long time and now calls New York City his home. The Public Theater’s Shakespeare in the Park presentation of The Tempest opens officially on June 16. The Michael Greif-helmed production features stage and screen favorites Sam Waterston and Jesse Tyler Ferguson. To commemorate the big night, Broadway.com resident artist Justin “Squigs” Robertson penned this sketch of the cast. It’s a drawing as dreams are made on.In addition to Waterson as Prospero and Ferguson as Trinculo, the portrait features Chris Perfetti as Arel, Louis Cancelmi as Caliban, Francesca Carpanini as Miranda, Rodney Richardson as Ferdinand, Danny Mastrogiorgio as Stephano, Charles Parnell as Alonso, Bernard White as Gonzalo, Cotter Smith as Antonio and Frank Harts as Sebastian.Congratulations to the cast of The Tempest! Stay dry! Or don’t? View Commentslast_img read more

Will Sara Bareilles Headline Waitress After Jessie Mueller?

first_img Sara Bareilles Star Files View Comments Show Closed This production ended its run on Jan. 5, 2020 Related Shows Waitress Sara Bareilles has baked up a new credit as Broadway composer with the score for Waitress, which heads from Boston to New York this spring. Though Tony winner Jessie Mueller stars in the show, Bareilles hasn’t ruled out a brave move to center stage at some point.“I hope to get to see those stage lights at some point,” the singer/songwriter recently told Glamour magazine. “I certainly have dreams of being on a Broadway stage someday…whether it’s in this show or something else.”Her acting aspirations are inspired by her tremendous respect for Mueller. “I thought I would have a much harder time relinquishing the role to someone else,” she admitted. “But then getting to work with someone like Jessie Mueller and watching her and how masterful she is at creating a character, I feel like I have a lot to learn before I would be ready to take on something like this.”The five-time Grammy nominee hasn’t abandoned her composing ambitions, however. “I also would be really interested in developing something brand new,” she said. “I think that sounds really exciting. But let’s vote for The Princess Bride. I love it, so let’s do that one.”Bareilles may not hit the Great White Way spotlight for some time, but you can hear her take on her own Waitress tunes on What’s Inside: Songs from Waitress, which is scheduled to drop on November 6. You can read all about her Broadway dreams in her recently released collection of essays Sounds Like Me.Waitress begins performances at the Brooks Atkinson Theatre on March 25.last_img read more

US Agriculture Secretary Vilsac to attend town meeting, Organic Farming conference in Burlington Saturday

first_imgSenator Bernie Sanders will host US Department of Agriculture Secretary Tom Vilsack at a dairy town meeting at the Burlington Hilton at 10 am on Saturday, February 13, 2010. Sanders also will host Vilsack as the keynote speaker at the Northeast Organic Farming Association annual conference at the University of Vermont’s Ira Allen Chapel in Burlington at 11:45 a.m.  Sen. Patrick Leahy will host the secretary as he speaks to the St. Albans Cooperative Creamery Annual Meeting in St. Albans at 1:15 p.m.  Vilsack, Leahy, Sanders and Rep. Peter Welch also will meet with Vermont anti-hunger leaders.What: Town Meeting with Secretary of Agriculture Tom VilsackWho: Senator Bernie Sanders, Senator Patrick Leahy, Secretary of Agriculture Tom Vilsack, Congressman Peter Welch, and Vermont Agriculture Secretary Roger AlbeeWhen: 9:30 a.m. coffee, 10 a.m. meeting, media availability immediately following the meeting from approximately 11:10 to 11:25 p.m., Saturday, February 13, 2010Where: Hilton Hotel, Lake Champlain Room, 60 Battery Street, Burlington What: Secretary Vilsack Addresses Northeast Organic Farming Association Annual Winter ConferenceWho: Senator Bernie Sanders, Secretary of Agriculture Tom Vilsack, Senator Patrick Leahy, Congressman Peter Welch, and Vermont organic farmersWhen: 11:45 a.m., Saturday, February 13, 2010Where: Ira Allen Chapel, University of Vermont, 26 University Place, Burlington Source: Sanders’ office. BURLINGTON, February 12, 2010 –last_img read more

Canada to try again on Trans Mountain project

first_imgCanada to try again on Trans Mountain project FacebookTwitterLinkedInEmailPrint分享Reuters:Canada will not appeal a court ruling that overturned its approval of an oil pipeline expansion project, opting instead for more consultations with aboriginal groups unhappy about the plan, a top official said on Wednesday.The problem-plagued bid to almost treble the capacity of the Trans Mountain pipeline is becoming one of the biggest political challenges for the Liberal government of Prime Minister Justin Trudeau in the run-up to an election in 2019.In August, the Federal Court of Appeal said Ottawa had failed to adequately consider aboriginal concerns before giving the green light to the expansion. That same month, amid increasing protests by aboriginal and environmental activists, Ottawa bought the pipeline from Kinder Morgan Canada Ltd.“The government will not appeal the court’s decision … we are going to do things differently this time,” Natural Resources Minister Amarjeet Sohi told a news conference. Instead, Ottawa will reinitiate consultations with all 117 indigenous groups who would be affected by plans to pump more oil from Alberta to the Pacific province of British Columbia.Sohi said on Wednesday that he would not impose a time limit on the consultations but added that “we are not starting from scratch”, given the government already had plenty of information from earlier discussions. He also reiterated that there would be no aboriginal veto over the project. Indigenous communities insist they have the final say over projects which would cross their land.More: Canada won’t appeal ruling that overturned pipeline, to consult morelast_img read more

NCPD Conspiracy Case: Cops Testify

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York Former Nassau County Police Second Deputy Commissioner William Flanagan faces conspiracy and official misconduct charges. He surrendered to the Nassau County District Attorney’s Office March 1, 2012.An ex-Nassau County police detective testified that the ex-commander who’s a defendant in an alleged cover-up case thanked him after the investigator returned stolen property without arresting the suspect who’s a police donor’s son.Retired Seventh Squad Det. Bruce Coffey and two current Nassau police officials—his ex-partner, Det. Barry Franklin, and his old boss, Deputy Inspector Lorna Atmore—took the stand last week in the trial of William Flanagan, the former second deputy police commissioner.“We’re getting calls from pretty high up about this case,” Coffey said one of his bosses, retired Det. Sgt. Alan Sharpe—Flanagan’s co-defendant, who’s case has been severed—told him. But, Coffey testified, the brass wanted the charges dropped: “They weren’t looking for an arrest.”Flanagan has pleaded not guilty to conspiracy and misconduct charges along with Sharpe and former Deputy Chief of Patrol John Hunter, who’s also slated to be tried separately. Coffey, who’s cooperating as a witness to avoid prosecution, testified Hunter leaned on Sharpe to have Coffey get the charges dropped.The allegedly quashed case was that of Zachary Parker, a former student at Bellmore’s John F. Kennedy High School, who admitted last year to burglarizing his alma mater in 2009 and is serving prison time for the $11,000 in thefts. His father, Gary, was a friend of Hunter and Flanagan as well as a director of a Nassau police nonprofit. The Press exposed the alleged cover-up in March 2011.“You didn’t order an arrest…because the school was ambivalent, is that correct?” Bruce Barket, Flanagan’s attorney, asked Atmore, Coffey’s then-supervisor. She agreed, adding that it was “not unusual” for schools to take an initial wait-and-see approach on arresting students.Atmore testified that the day the report came in she learned Parker was a well-connected suspect who she believed would “very likely” be arrested and reported the case to the Internal Affairs Unit (IAU) because he worked in the department’s Emergency Ambulance Bureau.“I was relieved that I wouldn’t have to get involved,” she testified of her desire to avoid a case involving a suspect who’s dad is friends with some of her bosses. “I’m thinking this is a good thing, my detectives aren’t going to be responsible for dealing with this mess.”Her relief was short-lived. Atmore said the same day she called IAU, Hunter called her back and “said that the Seventh Squad was keeping the case.” She said “It was odd and it was weird and I was trying to figure out what his relation was,” because as a patrol commander, Hunter wasn’t generally involved in detectives’ investigations.Atmore obeyed the order, but transferred the case to Coffey after pulling it from his partner, Franklin, who originally was assigned the case. She was promoted out of the squad days later, leaving Sharpe in charge as commanding officer.“How many other cases you were assigned were taken away from you and assigned to another detective?” Assistant District Attorney Cristiana McSloy asked Franklin, who replied, “none.”Franklin said he didn’t properly log in as evidence the two stolen laptops and projector because it was another detective’s case and that it also hadn’t been logged in by the Fifth Precinct, where Zachary Parker’s friend originally turned some of the stolen proerty in.Coffey said he was “conflicted” about asking the school’s principal, Lorraine Poppe, to drop the charges when they met shortly after the theft. So he went through the motions of interviewing, but not taking sworn statements from witnesses—and never asked for videotape of Parker fleeing the scene the night of the burglary.“She was very adamant about wanting him to be arrested,” Coffey testified. “It wasn’t the time to do it. I had to show her some respect.”Also revealed at trial was that another detective had tried to get Poppe to sign a form indicating she wanted to drop the charges a month after the theft, but she refused. Coffey eventually had Poppe sign a form accepting the property Sept. 1, 2009, but she again refused to sign the form dropping the charges, he testified.Later that fall at a retirement party, “I was sitting down at a table, [Deputy] Commissioner Flanagan came up, shook my hand and said, ‘Thank you,’” Coffey testified.“I thought it was obviously for the John F. Kennedy case,” he said, “for handling the return of the property.”When it was Coffey’s turn to retire in October 2010, he said he wrote a memo to close out the Parker theft case indicating that Poppe did not want the suspect arrested—a fact he testified he knew to be untrue.The detectives’ testimony came after Gary Parker testified for four days last week. Barket asked Parker’s feeling Thursday about how his son blew his chance at probation in the burglary and unrelated drug and traffic cases, landing himself in prison instead of college.“In hindsight, wouldn’t it be fair to say your son should have been arrested in May 2009?” Barket asked. “Yes,” Parker said after a pause.Rep. Peter King (R-Seaford), who Parker testified attended one of many police dinners he paid for, sat with Flanagan’s supporters Friday. “Bill’s an old friend,” King told the Press outside the courtroom. “I worked closely with him on homeland security issues.”last_img read more

Dynamic vs. fixed overdraft limits: And the winner is…?

first_imgIn this corner… the Contender, Fixed Limits, challenging the formidable upstart, Dynamic Overdraft Limits…. Indeed it may seem like you’re in a boxing match when deciding what type of overdraft limits you will offer in your automated discretionary overdraft program.Both types of limit-setting strategies enable your institution to automatically allow or disallow overdrafts for those account holders who utilize your service.The Contender:FIXED LIMITS provide a “one-size-fits-all” approach that is determined at account opening. All account holders who qualify to be in the program, receive the same overdraft limit; OR the limit varies based on account type (i.e., $550 for Free Checking and $750 for Premier Checking).The Challenger: DYNAMIC LIMITS are calculated automatically based on a myriad of account holder data points, including specific deposit and overdraft activity, related balances and more. This data enables your institution to establish a risk profile for each account and assign individualized overdraft limits based on the account holder’s ability to repay the overdraft and fees at any given time.Both types of limits have been in use for many years, although community-sized banks utilize fixed overdraft limits more widely due to the previously high cost of developing or purchasing dynamic limit-setting matrices.However, times have changed and so must financial institutions. Dynamic overdraft limits—the hallmark of a modern, automated discretionary overdraft program—are now affordable to implement and can help institutions provide a higher level of service, meet compliance demands and drive incremental income better than fixed overdraft limits can.The blow-by-blow and how we score it:Provide a higher level of service to account holdersAlthough fixed limits may sufficiently serve the broad base of account holders, they can be a disservice to two types of consumers:  1) Those who overdraw their account more than the fixed overdraft limit and have the ability to repay their overdrafts; and 2) Those whose economic circumstances prevent them from being able to repay the overdraft.Data shows that in the first group, the majority of these consumers typically can afford to repay the overdrafts and fees. They are living a convenience-driven lifestyle and they rely on the service to help them when their funds fall short.Setting a fixed overdraft limit for these account holders subjects them to potentially more denied transactions or returned items—resulting in greater dissatisfaction, especially since they have demonstrated their ability to repay the institution.Conversely allowing the second group of consumers to overdraft within the fixed limit while their transactional behavior suggests they do not have the ability to repay is also a disservice, but one that can have devastating consequences for the affected.THE DECISION: With dynamic limits, your institution provides account holders a personalized overdraft service—one that pays more items for those account holders who appreciate and can afford the service, while pulling back on overdraft limits for those account holders whose ability to repay has diminished. Not only does this translate into better service to your account holders, it also manages risk by assigning limits based on an account holder’s ability to repay.Meet compliance demandsFederal regulatory guidance requires that financial institutions monitor the credit risk of each account holder.In the Federal Financial Institutions Examination Council (FFIEC) 2005 Joint Guidance on Overdraft Protection Programs, the FFIEC wrote: “Institutions also should monitor these accounts on an ongoing basis and be able to identify consumers who may represent an undue credit risk to the institution. Overdraft protection programs should be administered and adjusted, as needed, to ensure that credit risk remains in line with expectations. This may include, where appropriate, disqualification of a consumer from future overdraft protection. Reports sufficient to enable management to identify, measure, and manage overdraft volume, profitability, and credit performance should be provided to management on a regular basis.” THE DECISION: This ongoing monitoring requires financial institutions to utilize advanced algorithms that analyze account holder data on a daily basis and alert you to take action such as adjusting overdraft limits, suspending the service, suggesting counseling, etc.Outdated overdraft systems with fixed limits simply cannot provide this level of sophistication. However without it, your institution is at risk for higher charge-offs and at a loss when justifying overdraft limits to regulators.Drive incremental revenueUsing fixed limits, your financial institution does not have the ability to increase an account holder’s limit when that person’s capacity to repay changes. As a result, your institution foregoes income while your account holder suffers.Is your institution aware of the number of debit/ATM transactions denied for reason of non-sufficient funds (NSF)? A large percentage of these denials may happen to your account holders who have opted in to your overdraft service for one-time debit and ATM transactions (Reg E). These customers have proactively requested that you allow them to overdraft at these channels and they are willing to pay you a fee, but their transactions are being denied. Not only does this present a service dilemma, but it represents a missed opportunity for additional income.THE DECISION: Dynamic overdraft limits allow your institution to generate additional revenue by honoring more overdrafts, including Reg E transactions, and helping more account holders meet their short-term funding needs.In the battle to decide whether to implement fixed or dynamic limits, it is important to remember that both types of limits act only as guidelines for your account holders and your institution. You have the discretion to honor or dishonor any overdraft, regardless of the account holder’s limit, based on the individual’s circumstances and your own risk tolerance. Your overdraft program disclosures should clearly state that there is no guarantee of payment regardless of which type of limit you use.If your institution encounters account holders who want such a guarantee, it may be best to educate them on other overdraft options, such as a line of credit or a deposit transfer.And the winner—in a knock out—is… Dynamic Limits! 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jeff Harper Jeffrey Harper brings more than 25 years of industry experience to his position as president of ​BSG Financial Group. ​ where he heads up the Sales and Marketing divisions of the … Web: www.bsgfinancial.com Detailslast_img read more

Bold advocacy lifts NAFCU, CUs in 2019

first_imgTogether, NAFCU and the credit union industry have achieved some great wins in 2019 as the association continues its mission of strengthening credit unions. As the industry’s Washington Watchdog, NAFCU has been hard at work advocating for credit union priorities with administration officials, lawmakers, and regulators – all while fighting back against relentless banker attacks and keeping members informed of trends and new regulations that could impact their operations.Here are a few NAFCU and industry highlights to mark this momentous year:GrowthAccording to the most recent NCUA call report data, the entire credit union industry now serves 118 million Americans, with new members joining each day. As the industry has grown, so has NAFCU’s base – in the past six years, NAFCU has seen its membership grow 37 percent and the association now represents 51 percent of the industry’s assets. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more