Photo courtesy of Dulce Marcias Campus Ministry organized a pilgrimage to Philadelphia last October to see Pope Francis. Students will celebrate Mass with the pope again this summer in Krakow, Poland, for World Youth Day.“Pope John Paul’s vision was to celebrate and invigorate the youth in our Catholic Church but ultimately to continue to evangelize and enliven all of the faithful around the world,” Lichon said.According to Lichon, although groups of Notre Dame students have made independent trips to attend World Youth Day in the past, this year is the first time a pilgrimage to the event is being officially organized by Notre Dame.Lichon said the decision to offer a pilgrimage to World Youth Day was largely a result of Campus Ministry’s pilgrimage program’s growth and expansion over recent years.“Three years ago, we only offered about two to three pilgrimages a year,” Lichon said. “This year, we are offering 11 different pilgrimages all over the world. So it was a no-brainer to include World Youth Day next summer. With such interest and excitement around the practice of pilgrimage on campus, we wanted to include one of the most dynamic and memorable pilgrimage experiences one could go on. Just think about gathering with three million other youth from around the world to pray together and to encounter one another and God through this World Youth Day experience. What an amazing opportunity.”According to Lichon, Notre Dame is planning the World Youth Day pilgrimage in collaboration with Notre Dame’s sister school, the University of Portland, which also identifies with the Congregation of Holy Cross. Considering attendees from both schools, the pilgrimage is expected to include approximately 40 students.“Students will be invited to prepare for the pilgrimage during the spring semester, both personally and communally,” Lichon said. “We will have several meetings during the semester to prepare our hearts and minds for the experience. As well, we will have follow up reflections during the fall semester.”Lichon said the actual pilgrimage itself “will be both exciting and exhausting.’“As you can imagine, spending over a week together with millions of people from around the world in one city can be both exhilarating and overwhelming,” he said. “So I anticipate a lot of energy, a lot of fun, an incredible amount of memories made but also some great nights of sleep. This is a pilgrimage, so it does require some flexibility and sacrifice.”According to Lichon, this sacrifice will include being “a little uncomfortable,” sleeping on the floor of a gymnasium and coping with hectic travel, but ultimately “the chance to meet people from all over the world, to pray with Pope Francis several times [and] to learn and grow and be transformed by this pilgrimage is worth it.”Events during World Youth Day include an opening ceremony followed by several days of catechetical sessions, each run by English-speaking bishops; gatherings of pray and talk each morning; and an overnight vigil immediately preceding closing Mass with Pope Francis on the final day of the official World Youth Day gathering. According to Lichon, Notre Dame students “will get the perk” of arriving a few days before the events begin and departing a few days after they conclude, as well as some additional small excursions to John Paul II’s hometown, the Auschwitz-Birkenau concentration camp and the Shrine of the Divine Mercy.Applications and information on the pilgrimage can be found on Notre Dame’s Campus Ministry website. Applications for the pilgrimage are due on Jan. 4. Lichon noted “there are a limited number of spots available.”“World Youth Day will be an incredible experience,” Lichon said. “While it will be a lot of fun and certainly an experience to remember for a lifetime, more than that it will be transformational. We are going on a pilgrimage, not a vacation. We are opening ourselves up to experience God through the people we encounter, through the culture, history and tradition of Poland, through the times of prayer and learning, and through our own personal discovery and reflection. By opening ourselves up to an encounter with God, we open ourselves up to deep and profound transformation and growth.”Tags: Campus Ministry, Pilgrimage, Poland, Pope Francis, World Youth Day Notre Dame’s Campus Ministry will take a group of students on a pilgrimage to the 2016 World Youth Day, which will take place next July in Krakow, Poland.According to John Paul Lichon, assistant director of retreats, pilgrimages and spirituality for Campus Ministry, World Youth Day is “an international gathering which invites young people to gather for prayer, transformation and celebration of faith.”World Youth Day was first organized by Pope John Paul II in 1985 and now occurs “about every three years in rotating host countries around the world,” Lichon said. Each World Youth Day typically garners around two to three million youth participants from various countries. While in attendance, participants “join together for about a week to listen to catechetical talks” in each of their native languages, “pray with one another and encounter God through this amazing gathering of the faithful.”
By Dialogo June 11, 2013 SAN JOSÉ, Costa Rica – Costa Rican authorities seized 1,219 kilograms of very potent marijuana from two boats that were stranded on a beach along the Caribbean coast after a brief gunfight, the Security Ministry said in a prepared statement on June 9. The “High-Red” marijuana is one of the drug’s strongest strains, according to the ministry. Authorities are searching for the owners of the boats and marijuana. The crew aboard the boats opened fire on authorities as they headed toward the beach La Cieneguita in Moín in the province of Limón, where they escaped. The boats were found in the same area where the body of environmentalist Jairo Mora Sandoval, a 26-year-old protector of leatherback turtles, was found with a bullet wound in his head on May 31. [AFP (Costa Rica), 09/06/2013; TicoVisión (Costa Rica), 09/06/2013]
OK, the examiners just left. You received glowing marks for your asset management, your interest rate risk controls, your credit risk analysis program, and your investment portfolio. You got outstanding comments for your asset recovery, your lending sales, your customer service, and personnel management.Yes, they looked at your business continuity plan….well, maybe only a cursory glance. The 600 page printout from your planning software kept one examiner busy for days wading through it. On paper, you had it all covered—loss of IT infrastructure, robbery, fire, tornado, blizzard. You thought you might even have the zombie attack under control.You had a semblance of a Business Impact Analysis. You had a spreadsheet with a risk assessment. You had a plan for the pandemic. Your succession of command plan is locked in the safe. You’ve tested your core processor failover, even though the “test” was carefully scripted by your service provider.But, and this is a really big BUT….could you really survive a disaster? Could you bring the right processes back into operation in time to prevent the loss of members and prevent the loss of reputation?Where does that 600 page plan reside? Does anyone ever actually use it? Who had it out during the IT test? How may staff had it with them when you evacuated the building during the last fire drill? Even more importantly, when does anybody ever look at it? The week before the examiners arrive and the 4 days before you conduct a business continuity exercise?Wait a minute, did you say a “business continuity” exercise? How does that differ from the IT “test” of the fail-over procedures for the core system?Here’s how it differs. The business continuity exercise focuses on the restoration of critical business functions of your credit union. It focuses on lending being able to work from a different location. It focuses of which staff can actually work from home. It checks that those offices who say they can work from home actually can. It determines how much work the call center can do if they are forced to relocate.Oh, by the way, sitting a bunch of managers around a table once a year and “table talking” the exercise just doesn’t cut it in my book. You see, the goals behind the exercise is to learn what works and what doesn’t, to understand the limitations of the assumptions you make about your environment, to maximize the training of all staff, to solicit input from all levels of the organization on how to improve the plan and the process behind it.My opinion, and yes, opinions are like belly buttons–everybody has one, you only accomplish these goals if you force your staff out of their comfort zone. Sitting around a table is far too comfortable. How many times do you hear during a table-top, “Well, if this were a real event, I’d to this and I’d do that!” “This scenario just isn’t real!” “That’s not what we’d do if the real event occurred!” Those comments come because they are not prepared for the unexpected.You’ve got to understand a few things about crisis management in order to successfully survive an incident. There is actually a methodology for crisis management called ICS, the Incident Command System. Your reaction team should be based on these ICS principles.But I’d like to get you to consider crisis management from your own perspective, and consider my nine points to ponder:First, in a crisis, you’ll never have enough information to satisfy your discomfort. You’ll never have all the questions answered. There will be lots of stuff you don’t know—and sometimes you never will until well after the event is resolved.Second, you’ll never have enough time to be comfortable with making your decision. You’ll always be looking for one more piece of information. You’ll always be waiting to hear one last update from a staff member. But the crisis clock ticks on, while you suffer from analysis paralysis.Third, you’ve got to understand what constitutes a crisis. Regina Phelps, Founder of Emergency Management & Safety Solutions, said it isn’t the event itself. Events come and go. It only becomes a crisis when your credit union falters in its mission because of its inability to respond to the events in such a way as to preserve your operations.Fourth, a crisis won’t necessarily reveal all its ugly sides at first glance. The ice storm knocks out power, your water pipes freeze, and you entire computer room and operations areas are flooded. The hurricane takes out your communications infrastructure, and you don’t have a trial balance or enough cash to deal with the members needing cash. When managing a crisis, you’ve always got to be asking, “When’s the next shoe going to drop, and how’s it going to affect us?” If you aren’t asking these questions, you are going to be in for a rude awakening.Fifth, the best thing you can do is make the right decision. The next best thing you can do is make the wrong decision. The worst thing you can to do is to make no decision. You see, your organization is a collective of your employees. Think of each one of them as an “action arrow”, with each one pointed in some random direction. Decisions do one critically important thing: they align the arrows together. You create focus in your organization. Ok, maybe the decision wasn’t the right one (go back to my first and second points.) Now all you need to do is change the focus by redirection…you already have their attention.You can plan for any event, but it will always be the wrong event. You’ll plan for the last event, just as armies always plan for the last war. The event is never exactly what you planned. The crisis exists because you didn’t mitigate all the factors. That said, planning is the key. It doesn’t matter how well you plan, you will always have to modify it based on the exigencies of the event. There are several reasons this happens. They people you plan on having are on vacation in the south of France. The event is never a single event, but often multiple events, some local and some area wide. Oh yes, boil the key elements of the plan down to wallet sized checklists that make sense. Pages in your plan that tell staff how to use hair dryers to dry out water-logged documents aren’t worth the paper they’re printed on.If you don’t consider your mission, your plan will be useless. “But,” you say confidently, “our mission is to serve our members! What can possibly go wrong with that?” Here’s my humble take on your mission: “Your mission is to safeguard my assets and deliver them to me when I need them.” What does everyone need in a crisis?????? CASH!I don’t care how big or small your credit union is, everything in you plan should focus on cash. Remember that BIA that prioritizes your business functions? Well, everything should take back seat to cash. And you’d better have it available when you core processor is down. That means a trial balance available off-line. You’ll lose members if you limit them to $300 “because the system’s down”.You can’t manage a crisis if you don’t practice it. You have to build muscle memory, so that many of your actions you need to do in a crisis are reactions because you’ve trained for it. When you fall out of an airplane, you can’t build your parachute on the way down. You’d better have it ahead of time, and more importantly, know how to use it. Exercise your plan. Not just the table top chat, but a real exercise. Make those tellers operate off line for half a day. Make the loan department relocate to where your plan says they will (and make sure they can operate from there). Make sure IT can actually recover the servers and infrastructure they support. Make sure your vendors can deliver to alternate locations or provide the kinds of service you need in a disaster (Spoiler alert: Many vendors are sized for day-to-day operations, not the surge you’ll need in a crisis!)Understand what affects your reputation. Yes, you’ve got a Twitter account, a Facebook page, and of course your website. But do you know if any members have said unkind things about you? Do you have a plan to manage a reputation attack. This can create as great a crisis as any fire or tornado. Rebuilding a physical disaster is a piece of cake. Rebuilding a reputational disaster is a problem of immense proportions, and I don’t know any credit union staff that’s ready to tackle it.Many of you may have noticed that the title of this article was “The Resilient Credit Union”. In my book, ideally “resilience” means never having to recover your business. It means you can continue operating despite it. With proper mitigations, good exercise, a plan that works, and a trained and motivated staff, your credit union can become resilient.Your planning, along with my nine points of crisis management, will put you in a position to survive your disaster, not simply survive the examination. All the high exam scores don’t mean anything if you can’t continue to provide service to your members.After all, they need their cash when they need it, not just when you are able to deliver it.For more information and helpful tips on how to prepare your organization for disaster, download Agility’s infographic, “The 6 Steps to Prepare Your Credit Union” 26SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ken Schroeder Ken Schroeder provides consulting services to businesses and government emergency management, with special focus on Credit Unions and other financial organizations. These services include plan development and reviews, staff and … Web: www.bc-resilience.com Details
7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Phroogal’s fearless leader Jason Vitug is one our era’s true entrepreneurs who enjoys pushing the proverbial envelope physically and mentally. You may recall we had Jason on last year when he announced his “Road to Financial Wellness” tour, which essentially consisted of a nationwide 30-stops-in-30-days road trip spreading the good word of credit unions and sound financial wellness practices.The trip and experience were such a success (more than 10 million Twitter impressions, 100,000+ Facebook engagements, etc.) that Jason is upping the ante this summer with a bigger, better, and more epic nationwide adventure: another “Road to Financial Wellness” tour. This time Jason and his credit union road warrior crew will conduct 50 events in 50 states this summer. continue reading »
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Indonesia’s productivity in the manufacturing industry is lower than that of its peers in Southeast Asia, a survey conducted by the Japan External Trade Organization (JETRO) has found. The survey captured Japanese companies’ perception of the business climate in 20 countries in Asia and Oceania, including in Indonesia, in which the companies have affiliations. According to the survey, Indonesia’s manufacturing plants productivity only scored 74.4 with an assumption that the respondents’ Japanese companies’ productivity was 100. The country’s score is lower than that of the Philippines, Singapore, Thailand and Vietnam of 86.3, 82.7, 80.1 and 80.0, respectively. Topics : One of the main reasons why Indonesia’s industry lags behind Thailand or Vietnam is the former’s dependence on commodities that hampers manufacturing sector development, Ueno explained further in a text message on Wednesday.“Due to free trade agreements, many industrial products are exported to Indonesia, so the private sector chooses to invest in the resources sector, not the manufacturing sector, and avoids competition with [Chinese products],” he added.He also highlighted the country’s lack of human resources, especially engineers.The survey also revealed that Indonesia had the best productivity only in precision machinery where it scored at 100.25. Indonesia’s productivity also exceeds Vietnam in only three industries, namely wood and pulp, general machinery and precision machinery, Ueno said. JETRO also surveyed the appropriateness of minimum wage set by the local government from the perspective of productivity. “More than half of the Japanese companies said they were not satisfied with the minimum wage from the perspective of productivity and this also happened in Cambodia. So as I explained, Cambodia and Indonesia’s productivity is very low, while the wage increase ratio is very high,” said Ueno. JETRO senior director Takenobu Yamashiro said the survey compiled answers from 13,458 respondents from Aug. 26 – Sep. 24, 2019. In Indonesia alone, 614 companies took part in the survey. Indonesia’s productivity is also lower than that of Laos and Malaysia, which stood at 76.7 and 76.2, respectively. “If we look at the figure, I also want to point out that Indonesia’s productivity is below the ASEAN [average productivity score] of 78.2,” said JETRO’s Jakarta senior director, Wataru Ueno, during his presentation on Tuesday. The government is striving to enhance the country’s workforce skills and productivity by developing vocational training centers, allocating more state budget funds for human resources developing and preparing a pre-employment card program to provide training incentives for workers, among other measures.Indonesia needs at least 113 million skilled workers by 2030 to achieve economic growth in priority sectors, such as manufacturing, infrastructure and agribusiness — almost double the current number of skilled workers, according to the Research and Technology Ministry’s calculations.
Advertisement Comment Metro Sport ReporterWednesday 12 Aug 2020 6:16 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link3.8kShares Arsenal have made a move to sign Dani Ceballos on loan once again (Getty Images)Real Madrid have rejected Arsenal’s latest offer to loan Dani Ceballos for another season, according to reports in Spain.The Spaniard formed a solid partnership alongside Granit Xhaka during the Premier League run-in and ended his season-long stint at Arsenal by helping the club beat Chelsea in the FA Cup final at Wembley.Mikel Arteta has made it clear that he wants Ceballos to remain at the club for another season and Arsenal had been confident about reaching a new agreement with Real Madrid.However, Onda Cero reports that Arsenal and Real Madrid held talks last week but the Gunners’ offer was not accepted by the Spanish champions.AdvertisementAdvertisementADVERTISEMENTThe report claims that Real Madrid turned down Arsenal’s proposal as the Gunners refused to pay another €4 million (£3.6m) loan fee and asked to pay just half of Ceballos’ salary.During his season-long loan this term, Arsenal had been paying Ceballos’ wages in full. Advertisement Mikel Arteta wants Dani Ceballos to stay at Arsenal (Getty Images)Madrid have now told Ceballos to report for pre-season training, however Onda Cero claims that the 24-year-old is still not favoured by Zinedine Zidane and therefore the Spanish champions are willing to cash in if they receive a suitable offer.Reports in Spain on Tuesday had claimed that Madrid’s hierarchy had been impressed by Ceballos’ performances for Arsenal and will now use the pre-season campaign as an opportunity for the midfielder to impress Zidane.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing ArsenalCeballos, meanwhile, has already stressed that he wants regular football next season and wants to make a minimum of 35 appearances for Madrid, or be allowed to leave once again.Ceballos has made no secret of his desire to become a first-team regular at Madrid but knows he will need more playing time in order to win a place in Spain’s squad for the European Championship next summer.Follow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page. Real Madrid reject Arsenal’s new offer to sign Dani Ceballos
This is how to live at the beach. Picture: Realestate.com.au 13/4 Hastings Street, Noosa Heads, is a one bed, one bath unit — which are in the same room. Picture: Realestate.com.auA ONE bedroom unit has sold for $1.48m over the weekend and it doesn’t even have a separate bathroom — cramming that into the bedroom.Listed as a one bedroom, one bathroom, single car space home, 13/4 Hastings Street in Noosa Heads fetched a whopping $1.485m on Saturday.Even the fact that the unit did not have a separate bathroom was not enough to put off buyers, with a glassed-in shower literally at the foot of the bed in the one bedroom unit. The kitchen was more of a kitchenette — nothing at all like those in other $1m-plus homes. At least you don’t have far to go for the loo in the night. Picture: Realestate.com.au It’s like a boutique club in one of the best spots in the world. Picture: Realestate.com.auThe unit was recently renovated and has beach and ocean views with a spacious front courtyard and spa, returning over 4 per cent to the owners.It’s a far cry from other unit sale prices in the swanky holiday/retirement zone. In the same week that this one bedder sold for $1.485m, a three bedroom unit at 144/61 Noosa Springs Drive, Noosa Heads, sold for almost half that at $717,000. A two bed unit at 2/30 Grant Street, Noosa Heads, sold for even less at $455,000 a week earlier. Those two sales were below the median price for units of that type in Noosa Heads, with the suburb’s two bedroom unit median at $535,000 and three bedroom at $910,000.Agents expect the area to continue to see a rise in demand from cashed up buyers amid continuing low interest rates and surging property values down south, but clearly it will be the ones that have the dream views and location that snatch the big dollars. More from newsMould, age, not enough to stop 17 bidders fighting for this home1 hour agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor1 hour agoThe “kitchen” is understated. Picture: Realestate.com.au It’s certainly cosy. Picture: Realestate.com.auBut the drawcard goes back to the old real estate mantra of location, location, location. Buyers were prepared to pay a premium for the right setting — which in this case was absolute beachfront views in a building that sits beside white sand in Noosa’s hottest precinct.R & W agents Frank Milat and Shane McCauley marketed it as having “breathtaking views of the ocean and Noosa’s main beach” — a major drawcard in an area that has seen a surge in southern interest.“Apartment 13 and for that matter the whole complex have been recently renovated and share a calm air of opulence in a commanding position right on Hastings Street, close to the finest restaurants and exclusive shopping.” Render your guests speechless with this view. Picture: Realestate.com.au
Liam Talbot. Picture: Jerad Williams“I have only started to appreciate the beauty of this place,” Ms Robinson said.“In the past I was out the door before the sun came up and back after it went down so I never saw how stunning the view really was.“Wine and cheese on the balcony is one of my favourite hobbies. “I haven’t lived anywhere but Broadbeach for a really long time. Even my radio team used to joke about me never setting foot outside the suburb. I figure if it’s comfortable, why leave?” While their relationship is in the fast lane, Ms Robinson made no mention of marriage. The presenter said the timing was right to try something new. Charli Robinson and her partner Liam Talbot are looking to buy property on the Southern end of the Gold Coast. Picture: Jerad WilliamsIt has been a blissful 18 months for the former Hi-5 performers who met millionaire race car driver Talbot. Ms Robinson said the Gold Coast Bulletin brought her and the race care driver together after she opened up about her split with Justin Kirkpatrick. Within 48 hours, the under-the-radar bachelor asked her out. “Liam is my best friend in many ways,” Ms Robinson said. Charli Robinson. Picture: Jerad Williams“My family love race car driving and I grew up watching it, so finding Liam who is part of that sport feels a bit surreal.“Especially when I get to interview him for television shows but it’s also the little things like cuddling up on the couch and watching the sport together.” More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach North3 hours ago02:37International architect Desmond Brooks selling luxury beach villa22 hours ago173 Old Burleigh Rd, Broadbeach.The 37-year-old’s “bachelorette pad” — a Broadbeach apartment — hit the market this week.Luke Henderson and Cindy Katene from Professionals John Henderson Real Estate are marketing the two-bedroom, two-bathroom apartment. The residence has a stylish open-plan setting with a boho coastal-inspired setting.Decorated with pops of bright colours the apartment reflects Ms Robinson’s personality including a bright blue wall, Bali-inspired bed and artwork with the words “love” on the wall. 173 Old Burleigh Rd, Broadbeach.undefined Charli Robinson and her partner Liam Talbot are looking to buy property on the Southern end of the Gold Coast. Picture: Jerad WilliamsTHINGS are getting serious for Gold Coast glamour couple Charli Robinson and Liam Talbot.The former Sea FM radio host, who works on Channel 9’s Getaway, and her race car driver boyfriend are on the hunt for a new house.“We have our eye on the southern end of the Coast, a beachside house preferably with a lot of garage space for Liam and his new Audi,” Ms Robinson said. “We share very similliar tastes and we are both crazy about the beach so I know we won’t have trouble deciding on a place together.” 173 Old Burleigh Rd, Broadbeach.Ms Robinson left her Gold Coast radio job last year to pursue a career in TV and said she loved jet setting around the globe filming segments for travel show Getaway, attending Talbot’s races in between. 173 Old Burleigh Rd, Broadbeach.“Liam lives in Brisbane and our schedules always work out especially when I need to go to Brisbane to work at Mount Cootha or when he needs to come to the Coast for training,” she said.“It’s funny because we even have time for each other when we are both overseas.”
However, those that have delayed implementing their AE pension were “putting themselves at risk of a fine”, Aviva warned. They were also potentially limiting their choice of providers as not all providers would take on “late stagers”, the insurer added.TPR can issue non-compliant firms with an Escalating Penalty Notice, giving a deadline for meeting requirements. If the company fails to meet this deadline, TPR can begin to fine it every day until it complies with AE. The fine for small employers with up to four staff is £50 (€59) a day, and those with between five and 49 employees can be fined £500 a day.Andy Beswick, managing director for business solutions at Aviva, said: “As an industry, we’ve been talking about auto-enrolment since the early 2000s and implementing it for over four years now. But to thousands of employers and employees, it is still a brand new concept and we need to make sure people aren’t getting left behind.”DB funding improves in Q1The aggregate deficit among the UK’s private sector defined benefit (DB) schemes shrank during March as equity markets climbed, according to the Pension Protection Fund (PPF).The PPF’s 7800 index of DB schemes reported an aggregate shortfall of £226.5m at the end of March, compared with £242m a month earlier. The aggregate funding ratio increased to 87%. The deficit and funding ratio figures have remained at a broadly similar level since November 2016, the PPF’s data showed.Other estimates of DB funding have demonstrated an improvement since the start of this year. JLT Employee Benefits reported a £434bn shortfall across all private sector DB funds at the end of 2016, but by the end of the first quarter of 2017 this had fallen to just £172bn, in part down to a change in mortality assumptions.Mercer’s estimate of the funding of FTSE 350 schemes was more in line with the PPF’s findings: The aggregate deficit improved slightly from £137bn to £133bn in the first three months of the year.Joint venture between actuarial services providersActuarial firms Barnett Waddingham and Milliman have established a joint venture.Barnett Waddingham’s UK business will combine with the international Milliman under the MBW International banner, the groups announced this week.For Barnett Waddingham, which only serves the UK, the joint venture would allow the group to improve its services to multi-national companies, said Nick Salter, senior partner. The nature of the deal also allowed the company to keep its partnership structure, he added.Steve White, Milliman CEO, said: “The establishment of MBW International enhances the range of retirement consulting services Milliman can offer its multinational and UK-headquartered clients. The obvious synergies between Milliman and Barnett Waddingham are built on our shared values: independence, quality, and dedication to superior client service.” An increasing proportion of small UK companies are establishing auto-enrolment pension schemes after their deadline, according to data from Aviva.The insurer and auto-enrolment (AE) pension provider said 16% of companies that set up their arrangements with Aviva in the first quarter of 2017 were late.The Pensions Regulator (TPR) announced this week that half a million employers had now complied with their AE requirements, meaning 7.6m people were now invested in a defined contribution pension scheme.Another 600,000 employers are due to begin the AE process this year, the regulator said.