By Wayne McLaurinUniversity of GeorgiaWe hear a great deal about cultural diversity. But when I thinkof diversity, I automatically think of food. I especially thinkof vegetables — all kinds, shapes, textures, colors, vitamins,minerals and flavors.Now that’s diversity with a capital D.I grew up with diversity. We didn’t have spring, summer, winterand fall. Our four seasons were crawfish, shrimp, crab, andoyster. Within these seasons we did include baseball and football.Nutritionists remind us to diversify our food intake. In thevegetable line, their advice is to eat five to seven servings aday. For many folks who say they have five vegetables a day,three of the five are potatoes — fried, baked and chips. That’snot the diversity the nutritionists are talking about.ColorVegetable diversity means quite a few things. Color, forinstance, is important. Plants don’t produce colors just forshow. The more diversity of color you eat, the better nutritionyou’ll get.We need yellow or orange for the high vitamin A content. VitaminA vegetables include sweet potatoes, carrots, summer and wintersquash and pumpkins, to name a few.Reds or purples range from watermelons (yes, they’re vegetables),hot and mild peppers, beets, red onions, red cabbage, eggplantand purple basil — and the No. 1 red is, of course, the tomato.When you add deep reds or bright pinks to your daily diet, you’realso adding a powerful antioxidant called lycopene.Orange vegetables like sweet potatoes and carrots containbeta-carotene. This carotenoid is a natural antioxidant. It’sbeing studied for its role in enhancing the immune system. Theorange group is rich in Vitamin C, too.Don’t overlook greenOther vegetable colors abound, but the predominant one is green.Most of nature is green. It’s the backdrop for all of the colorwe see. It blends in. But don’t overlook green vegetables.Eat greens along with all of the other colors. Consider the darkgreen of kale or parsley and the paler greens of the lettuces,kohlrabi or asparagus.Textural diversity is another story. Texture goes from the crunchof celery to the slickness of okra to the lumpier humus made fromchickpeas you can eat raw, boiled, steamed, blanched and fried.Vegetable fiber may be an important factor in proper digestion.Raw or steamed vegetables may provide more texture and morenutrition than vegetables cooked in water or oil.FlavorLast, but certainly not least, is the diversity in flavor. Doesokra have flavor? You bet, when it’s cooked with field peas or ina gumbo.Granted, many vegetables are cooked with seasonings and we reallydon’t know the flavor. If they can be eaten raw, try them and getthe real flavor.Eggplant takes on the flavor of anything it’s paired with. Othervegetables like hot pepper (it really is a vegetable) dominatewith their flavor.There is probably no other food group that offers more diversitythan vegetables, both in the veggies themselves and in the waythey’re prepared.And for most of us, we’ve just begun to explore vegetables fromother cultures and nations. Through travel, our local bookstoresor even seed catalogs, we can find an amazing diversity ofvegetables to inform our cultural awareness, challenge ourgardening skills and delight our palates.(Wayne McLaurin is a horticulturist with the University ofGeorgia College of Agricultural and Environmental Sciences.)
Step 1: Wet your hands. Use warm, running water. Step 5: Rinse your hands to send those germs down the drain. Proper handwashing is a six-step process according to the National Sanitation Foundation. Follow these steps Step 4: Pay special attention to cleaning between your fingers and around your fingernails. These are areas where germs like to hide. Step 3: Rub your hands together for at least 20 seconds. Friction helps to loosen germs from your skin so they can be washed away. University of Georgia Cooperative Extension and Georgia 4-H urge you and your children to Wash Your Paws, Georgia! through a new handwashing education campaign. Make the six steps of proper handwashing your goal. Step 2: Apply soap. Soap from a pump dispenser is ideal. Hand sanitizers are a good option when soap and water are not available. Step 6: Dry your hands. Paper towels or hot air dryers are ideal. Many children suffer from severe allergies to certain foods, like nuts, that may be found in classrooms. Hand sanitizers do not remove these allergens. Be sure to make the teacher aware if your child suffers from these conditions. According to the Centers for Disease Control and Prevention and the medical community, proper handwashing is one of the best ways to prevent the spread of disease. Most hand sanitizers readily available in stores contain alcohol as the antibacterial ingredient. To use the sanitizers properly, apply the sanitizer to the palm of one hand, rub the hands together making sure that all areas of the hands and fingers are covered and continue rubbing until the sanitizer dries. Be sure to treat hand sanitizers like medicines and keep them out of the reach of young children, and monitor their use.Sanitizers don’t replace handwashing Hand sanitizers significantly reduce germs, but they shouldn’t be viewed as a substitute for handwashing. Heading back to class means seeing friends, up close and personal. And that means sharing germs. Hands should be washed often to prevent the spread of germs. It is especially important to teach children to wash their hands after they cough, sneeze or blow their nose; after they go to the bathroom; before they touch food; after they come in from playing or being outside; after petting animals; and as soon as they get home from school. Wash hands thoroughly when making school lunchesIf pack your child’s lunch at home, be sure to wash your hands before preparing food. Handwashing is very important in preventing foodborne illnesses.
NAFCU President and CEO Dan Berger and Scott Arney, CEO of association member Chicago Patrolmen’s Federal Credit Union, discussed frustrations felt by small card issuers over data breaches in a Wall Street Journal article Monday on the Target Corporation and Home Depot breaches.Arney, whose credit union saw $80,000 in fraud losses last year, said, “When you have to absorb losses for something you had nothing to do with, it’s tough.” He was quoted saying the credit union has seen $55,000 in fraud losses in the first quarter of this year. He also noted a previous $150,000 loss for which his credit union received $1,000 in an industry settlement, WSJ reported. The specific cases aren’t named.Berger, quoted early in the article, noted small financial institutions are “looking to pursue any channel that makes them whole.”The article says financial institution trades note community banks and credit unions “have spent more than $350 million” to reissue cards and address other issues related to the Target and Home Depot breaches.” It points to the $19 million settlement negotiated recently by Target and MasterCard over the retailer’s massive breach in 2013 as well; it says a federal district court judge in a hearing Monday did not rule on plaintiffs’ motion to allow issuers participating in the settlement to seek other means of reimbursement. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
U.S. House representatives are in their home districts this week, and NAFCU is encouraging its members to reach out to them while they’re in town to discuss top credit union issues.Because 2016 is an election year, lawmakers will be spending more time than usual in their home districts, giving credit unions more opportunities to directly advocate for key legislative and regulatory issues. In order to set up meetings with lawmakers during an in-district work period, NAFCU members can contact NAFCU Director of Political Affairs Dan O’Brien at email@example.com.Also this week, NAFCU is urging credit unions to help get more House members to sign a letter being circulated by Reps. Adam Schiff, D-Calif., and Steve Stivers, R-Ohio, pressing CFPB to exempt credit unions and community banks from certain rulemakings. Credit unions can contact their members of Congress to ask them to sign the letter by Friday through NAFCU’s Grassroots Action Center. continue reading » 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
The automotive lending market is rapidly evolving, and credit unions must find unique methods to generate auto loans if they expect to keep up. In order to address business and profitability challenges, credit unions must be efficient, innovative, and responsive to their members and the ever-changing auto financing environment. Technology is reshaping the way consumers shop for vehicles, allowing them to compare prices, research vehicle features, and read reviews on dealers in the palm of their hands through applications like AutoTrader, Carvana, and TrueCar. Likewise, they expect the same kind of accessibility when it comes to securing financing. The evolution of such mobility and financing options combined with increasing regulatory oversight, operational risk management, and consumer expectations are dramatically changing the “rules of the road,” forcing industry participants, like credit unions, to rethink their approach to the business and adapt to industry changes.As the complexity of doing business has grown, so has the need to streamline business processes to manage assets effectively and efficiently. The most successful auto lenders focus their operations on managing risk exposure, while still maintaining acceptable yield, leveraging size and scale to optimize processing efficiency, and, probably most importantly, striving to meet the needs of their members. Determining the members’ needs is part skill, part luck. Often a member will not be in the market for a vehicle until something forces their hand. An aging existing vehicle that brings the possibility of a large repair bill in the not-to-far future or a current breakdown that is too costly to repair can lead to a new vehicle purchase at the spur of the moment. Changes in creditworthiness or income can lead to exploring refinancing existing loans to take advantage of lower rates or longer terms to decrease payments. Trying to read the crystal ball of auto lending can overwhelm even the savviest and experienced lender.By taking advantage of the “technological evolution” occurring in the auto lending market, credit unions that utilize emerging lending programs, such as outsourced loan recapture and ”no-hit” prequalifications, are quicker to reach auto loan prospects when they are shopping for their next vehicle, leading to huge opportunities for portfolio growth and greater market share. When credit unions take advantage of outsourced lending services, some of which offer mobile platforms for improved member experience, they can accommodate borrower schedules and hectic lifestyles. “No-hit” prequalifications provide the member with peace of mind while rate shopping, allowing them to determine if an offer that works for their situation is even plausible or attractive. Both programs are convenient for the member and deliver a better experience than the traditional vehicle shopping/financing model, while allowing the credit union to effectively achieve their loan growth goals. In addition to growth and improved member service, the additional benefits of outsourced lending include increased revenue, and market share, and can result in increased member wallet share.Increased Revenues and GrowthSince 2014, deposits have been on the rise, surpassing $1 trillion, giving credit unions the necessary cash flow to increase lending, and in turn, revenue. While many lenders look to indirect lending to push their portfolio higher, the stability offered by direct loans, along with the decreased capture costs, keep credit unions looking for ways to build a strong direct loan portfolio, fueled by new opportunities to lend to new and existing members. In 2015, indirect lending grew 18.8% year-over-year, while the direct lending channel only grew 7.6%. Your members need auto loans, and may be heading to the dealership before giving you an option to serve them. With the right tools, the lending pendulum can starting moving toward those direct loans that we’re looking to capture to maintain valuable member relationships.Increased Market ShareConsumers are shopping for and financing vehicles, but without reaching them at the time when they most need your services, you are missing out on a substantial piece of the auto loan market; an industry that according to a July 2017 Raddon Report, grew by 26 million units from 2011 to 2016. Building strong partnerships with outsourced lending providers and embracing new technologies that can deliver a turnkey program can provide your existing members with access to convenient financing, introduce new members to your credit union’s auto loan program, and a provide significant boost to your credit union’s bottom line. Click here to learn about AUTOPAY, a mobile direct-lending platform that can accelerate the growth of your auto loan portfolio by giving you access to more than 80 million new consumers! 26SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Crystal Bullard As Manager of Business Development for SWBC’s Financial Institutions Group, Crystal Bullard works with lenders to increase their interest and non-interest income through programs such as AutoPilot Lending and … Web: https://www.swbc.com Details
Police said the pub and the vehicle sustained heavy damage; however, the driver was not hurt. Police said the driver fell asleep before striking three poles and then the building. The crash occurred around 3 a.m. (WBNG) — The Endicott Police Department cited a 22-year old man after he crashed his vehicle into Buck’s Pub on North Nanticoke Avenue early Saturday morning, according to a news release.
To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters
Arteta will have be without one of his most consistent defenders of late (Picture: Getty Images)When asked if the defender will miss the start of next season, Arteta replied: ‘Yes he will, yes.‘He pulled the tendon of his bone in his hamstring and that’s normally a lot of weeks.’With three senior centre-backs out through injury, Arteta is likely to be forced into persisting with a backline of Rob Holding, David Luiz and Kieran Tierney.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 ArsenalThe Gunners started out with a back four against Watford, but quickly reverted to their recently adopted 3-4-3 formation in what proved to be another dismal defensive display.With their numbers at the back dwindling, Arteta conceded that it’s an area they will have to look at. ‘I already mentioned three central defenders who are not available and we haven’t had them available for a long time anyway, during this season. We will have to address that.’MORE: Arsenal include Raul Jimenez and Alan Saint-Maximin on shortlist to replace Pierre-Emerick AubameyangMORE: Arsenal chiefs preparing to travel to Lisbon to seal deal for Sporting wonderkid Joelson FernandesFollow Metro Sport across our social channels, on Facebook, Twitter and Instagram.For more stories like this, check our sport page. Comment Mikel Arteta provides injury update on Shkodran Mustafi after Watford win Mustafi hobbled off against City (Picture: Getty Images)Mikel Arteta has revealed that Shkodran Mustafi’s injury looks ‘really nasty’ and the Arsenal defender will miss the start of next season.The German went down clutching his hamstring after a collision with Raheem Sterling in the Gunners’ FA Cup semi-final win over Manchester City last week.Mustafi has since been ruled out of their FA Cup final against Chelsea on Saturday August 1, but, speaking after Arsenal’s 3-2 win over Watford on Sunday, Arteta admitted that the centre-back’s injury looks likely to be a long-term one.‘Yes, it looks a really nasty injury again,’ the Spaniard said.AdvertisementAdvertisementADVERTISEMENT‘We have lost Calum Chambers the week after I arrived here, we lost Pablo for three months and we’ve lost Musti so at the back we are really short.‘Musti’s been playing really consistently and at a really good level with me and we wish him a quick recovery.’ Metro Sport ReporterSunday 26 Jul 2020 8:11 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link277Shares Advertisement Advertisement
PLANS FOR a three-route light rail network have been given the go-ahead in Bordeaux; on February 28 the Communauté Urbaine voted in favour of a Systra-Sofretu-Sofrerail proposal. Two years ago plans for a VAL mini-metro were abandoned after studies costing FFr370m.The 21·3 km first phase is costed at between Fr2·8bn and Fr3·2bn; it would open in 2002-03. Three segregated ground-level routes would have trams at 4min intervals during peak hours. Line A would run northeast from Mériadeck through the city and cross the River Garonne to the hospital at Lormont, with a branch turning south to Cenon-La Morlette. Line B would initially start at Quinconces, north of the city centre and run southwest to Saige. Line C would link Quinconces to the main SNCF station at St Jean.Phase two would see Line A extended to Mérignac, Lormont Grand-Came and Dravemont-Floirac, Line B to Gare de Pessac and Claveau, and Line C to Le Lac and Bosc. Several SNCF stations around Bordeaux are to be opened or reopened as part of an overall public transport policy, and some of these would later form interchanges with the light rail network. Public Transport authorities in Lyon have put forward proposals for 12 tram routes as more cost-effective than further metro construction. Some would run parallel to metro lines and others would provide orbital journeys seen as crucial to reducing road congestion. Two high priority routes could open as early as 2000. One would offer a direct Perrache – Part-Dieu link, continuing north to La Doua, and the other would run from the southeastern suburb of St Priest to Perrache via Bron-Parilly and Jean Macé. o
The new owner of Aqua in the Whitsundays can fly in, sail in, or drive in, when they want to escape the daily grind.A STATEMENT home with one of Australia’s largest private pools, its own rainforest and a helipad has sold in the Whitsundays. More from newsParks and wildlife the new lust-haves post coronavirus17 hours agoNoosa’s best beachfront penthouse is about to hit the market17 hours agoQueensland Southeby’s International Realty agent Carol Carter, who worked on the deal with Ray White Whitsundays, refused to confirm the price, but said the sale proved prestige homes in the area were in demand.“The sale of Aqua comes after the sale of Mandalay House (December 2017) and recently, Botanica,” she said. “We didn’t get it (Aqua) on the market … it sold to a client known to both agencies which is fantastic.” Overseas buyer says ‘I do’ to Whitsundays wedding venue Aqua was owned by another Melbourne-based couple, and was listed for rent on a number of luxury holiday sites. Described as ‘akin to an exclusive luxury private resort’, Aqua is situated on a secluded and private peninsula surrounded on three sides by the Coral Sea and Pioneer Bay.It has four bedrooms, 4.5 bathrooms, five car space, its own private beach, marina, a helipad and an infinity edge pool, complete with sandy beach and swim up bar. What a view!The five bedroom masterpiece known as Aqua was bought off-market by a Melbourne businessman and his family, who intend to use it as a holiday home.It is understood to have sold for more than $13 million but less than the $14 million paid for nearby Mandalay House. Aqua has sold in The WhitsundaysThere is also a teppanyaki pavilion with private chef.“Houses like this are in demand,” Ms Carter said. “You would be surprised just how many inquiries we get from people interstate and overseas looking for high-end homes in the Whitsundays.“I have a few more prestige properties, including Solis on Hamilton Island. “That’s listed for $15 million and I expect that will be the next one to go.”