We examine simulations of the surface mass balance of the sector of the East Antarctic Ice Sheet between 2.4°W and 110.5°E as produced by the United Kingdom Meteorological Office Unified Climate Model. Estimates of the actual mass balance of this sector can be obtained from glaciological observations of snow accumulation and from studies of the atmospheric water vapor budget using radiosonde observations. The former technique gives an average sector accumulation of 104 mm yr−1, and the latter yields 157 mm yr−1. The modeled accumulation in this sector, 122 mm yr−1, lies between these two estimates, suggesting that the model can accurately represent the processes controlling surface mass balance. However, examination of the atmospheric water vapor budget in the model shows that only 30% of the water vapor precipitated in this sector is carried by resolved-scale transport. Although the model produces the “correct” accumulation in present-day climate simulations, it is not clear that this would change appropriately if the model were used to simulate future climates. By producing synthetic estimates of water vapor transport at radiosonde station locations we have used the model data to investigate the uncertainties in estimating sector accumulation from radiosonde data. The results of this study indicate that the radiosonde technique will tend to overestimate sector accumulation, thus reconciling the two observational estimates.
Almost before Santa was back up the chimney this year, the sound of hopping was heard as the Easter bunny came into view. Supermarket Tesco put out Easter ranges on New Year’s Day, even though Easter is late this year, on 24 April, almost a month after the earliest date it could fall, 22 March.So with the supermarkets all over it for months, how should bakers stake their own claim on Easter? What are some cutting-edge bakers planning, and what is the advice for best-practice from some major suppliers?Craft baker Richard Bertinet says independents can differentiate themselves from supermarkets through their products’ authenticity. “Make sure products that are handmade, hand-moulded or hand-finished are labelled as such. Use your own bespoke mix of spices in hot cross buns, not a mass market or chemical bun spice mix. The multiples generally offer the same ranges around the country, but you can respond to local demand.”He adds: “Easter has more bakery traditions than either Mother’s Day or Valentine’s Day so in theory it should be much better for bakers. You can make hot cross buns, Simnel cake, Easter eggs, nests or anything with a chocolate theme.”Victoria Forward, of Bedfordshire artisan cake company Let Them Eat Cake, thinks supermarkets may be jumping the gun and customers may already be bored of their Easter ranges when the time comes to buy them. She says the key to success for the small business is offering something imaginative. She saw strong sales of “cupcake bouquets” last Mother’s Day, and she is going to adapt the idea for Easter. She plans to sell Easter baskets, with Easter nest cupcakes with mini eggs on them, priced at around £15 for six.She says: “You have got to be serious about offering something for all the events Valentine’s Day, Mother’s Day, Easter, the Royal Wedding. Special products are a way of introducing yourself to new customers. I see them almost as a loss-leader, a marketing device. I’ve got some great new customers who bought Mother’s Day bouquets last year.”And Angie Townsend of The Tiny Cake Company in North Yorkshire is adamant that artisan suppliers have nothing to fear from the “synthetic” supermarket ranges. She will be offering cake pops (difficult to replicate on an industrial scale), mini-Simnel cakes with marzipan flowers and cupcakes with pink rabbits on them. “Traditional is the way to go”, she says, “but we are making it beautiful quality over quantity. We find that small products sell well, people like a little treat, whether for health or price reasons.” Attractive packaging and display is vital, as people buy with their eyes first, she adds.Meanwhile, Anna Gill, from And the Dish Ran Away with the Spoon, says shelf space dictates that Easter lines will only be brought out closer to Easter, despite the supermarkets having fired the starting pistol early. Her café shop in Didsbury, Manchester, will be offering hot cross buns, chocolates, brioches and Simnel cakes.Supplier angleLisa Boswell marketing manager of ingredients supplier CSM, notes that with so many celebrations coming up Easter, Mother’s Day and the Royal Wedding it would be easy to forget to focus on the most profitable products. “Include a mix of ’trend leaders’, such as cupcakes, cake slices and brownies next to your customers’ favourites,” she says. “Appealing window displays, in-shop point-of-sale material and on-street advertising, where possible, all help get customers in through doors.”The cup and fairy cakes category is still growing by 22% (Kantar Worldpanel 52 w/e 5 September 2010), so these are a sales opportunity, she says. Brownies are another key line with an 11% growth in sales (by volume Kantar Worldpanel 52 w/e 21 March 2010).Top tips from CSM include to keep preparation manageable by keeping to a general ’spring’ theme that works across all the April celebrations. “Use pastel colours for icings and toppings and then just add a finishing flourish to tailor to each celebration theme,” Boswell advises.Also give some of your ’bankers’ a seasonal twist or update traditional products. For example, if you make hot cross buns, try spinning some icing over the top of the finished bun. And bake in batches and freeze to save time.Supplier Macphie’s assistant marketing manager Martin Wright says Macphie research has shown that Easter is one of the top selling periods of the year for the craft bakery sector. In 2011, with Easter occurring later than usual, this is an even more lucrative opportunity, he suggests. Cupcakes are still a hot trend this year, as are whoopie pies, and these offer significant opportunities for adding value, he says.Jacqui Passmore, marketing manager at Dawn Foods, adds: “Easter is a great time for bakers to get creative, particularly with toppings and inclusions.”And Sara Reid, marketing manager of Rank Hovis says with school holidays on, kids and mums will be looking for novelty treats, such as bees, honey and novelty egg biscuits. She comments: “It’s important to range in a way that appeals to the consumer. Having whole cakes separated from teatime treats and putting your events/occasions together in one section shows off your range and allows you to dress with props and possibly group together for promotions.”Using fresh colours and bright point-of-sale also attracts customers, she says: “Let’s face it, after the winter we’ve had a nice shock of yellow and green will surely lift the spirits.”
In the year 2000, the United Nations developed an ambitious plan to meet the needs of some of the world’s poorest people by setting out the Millennium Declaration. A year later, eight Millennium Development Goals, or MDGs, were established as part of the effort.Among them was a goal that called for achieving universal primary education. Like the other MDG goals, it was an admirable one. But some experts wondered: What about other aspects of education, such as secondary and higher education? What about the quality of education as opposed to simply making it universal?In fact, say researchers Alicia Ely Yamin and Sakiko Fukuda-Parr, the MDGs’ focus on primary education effectively relegated some other worthy educational goals to the back burner, where they received less support—and less funding. Likewise, the other MDGs—aimed at addressing problems including poverty and hunger, maternal health, and child health—while admirable, also had unintended effects of marginalizing some issues that weren’t specifically mentioned in the list.“One of the powerful things about the MDGs is that they set very specific goals, like cutting the proportion of people living on less than a dollar a day by half, or reducing maternal mortality ratios by 75%,” said Fukuda-Parr. “These are all very important priorities and no one would disagree with them. But there are many other global goals that are important. So we need to ask, ‘What did the MDGs leave out?’ ”
WILLISTON, VERMONT – FreshTracks Capital II, L.P. (“FreshTracks”), a Middlebury-based venture capital fund with primary interest in Vermont investments, announced that it has invested an undisclosed amount in NEHP Inc. NEHP is a highly successful Vermont company that has developed a patented modular method of tool installation for semiconductor manufacturing and also provides hygienic piping and skid solutions to the life sciences industries.NEHP manufactures the high purity, SEMI compliant modules at its facility in Williston, Vermont and ships finished product to its customers around the world, including Applied Materials, IBM, Intel, and Nikon. FreshTracks’ investment was structured to accelerate the sales and marketing efforts of NEHP, as this profitable company executes the next stage in its growth strategy.”FreshTracks is very pleased to be a key part of NEHP’s expansion,” said Tim Davis, Managing Director of FreshTracks. “The market opportunity for NEHP’s patented modular solution for the semi-conductor industry is compelling. NEHP’s management team has done an excellent job growing the company since it was founded in 2000. FreshTracks has been monitoring the company’s impressive progress for the past 4 years, and we feel that now is the right time for an equity investment to truly accelerate growth. We are very excited to work alongside NEHP’s management in the coming years to realize that vision.” Davis joined the Board of Directors simultaneously with the closing of the transaction.”FreshTracks Capital has already been a great benefit to our company, and many others throughout Vermont,” said Adam Tarr, CEO of NEHP. “They were instrumental in helping us find our CFO, Robin Morris, and worked with our team to structure NEHPs banking relationship prior to the transaction. I am looking forward to working with Tim Davis. His background and experience provide the perfect fit to help fuel NEHPs continued growth.”NEHP is the second investment in FreshTracks’ second fund. FreshTracks provides a broad spectrum of equity financing to growing companies. Investments out of FreshTracks’ first fund include seed-stage financing provided to re-launch EatingWell, a food and nutrition media company located in Charlotte, early-stage financing for Mophie, an open-source, consumer-driven product design company based in Burlington that is currently focusing on iPod accessories, and later-stage financing during the going-private transaction for the Vermont Teddy Bear Company, the direct-to-consumer business based in Shelburne, VT.”FreshTracks is often the first stop for successful entrepreneurial Vermont companies seeking equity financing, no matter their size,” said Davis, “and now we are even more enthusiastic about the prospects we are seeing in the market, and the expanded capacity we have to invest in Vermont growth businesses with the recent closing of our second fund.”About FreshTracks Capital II, L.P.:FreshTracks Capital II L.P. (www.freshtrackscap.com(link is external) ) is the second fund raised by FreshTracks Capital and is part of the Village Ventures nationwide network of venture capital funds. Since its inception, FreshTracks Capital I has invested in 14 portfolio companies; NEHP represents FreshTracks II’s first investment for the new portfolio. FreshTracks focuses its investment in private growth-oriented companies, primarily companies in close geographic proximity to Vermont.About NEHP Inc.:Founded in 2000 and based in Vermont, USA, NEHP is a pioneer in the field of process piping solutions and modularization for the semi-conductor and life sciences industries. NEHP’s in-shop fabrication capabilities and on-site installation services include design, hygienic material acquisition, fabrication, quality assurance, and commissioning, start-up & documentation turn over packages for high purity process systems. NEHP is compliant with SEMI, cGMP, and BPE.NEHP’s process piping solutions and modularization techniques increase the efficiency of installation by reducing design time, down-time, installation and maintenance costs. NEHP is the holder of U.S. Patent #7.039.999 B2 for its innovative, modular installation methods of semiconductor fabrication tools.Applied Materials, IBM, Intel, Nikon, Vishay, Fluor, and Wyeth Pharmaceuticals are amongst NEHP’s worldwide customers.
By Dialogo February 10, 2010 Well-known former players from the Brazilian team that won the World Cup in Mexico in 1970 welcomed the FIFA World Cup trophy in São Paulo Monday during the trophy’s visit to Brazil as part of an international exhibition tour. In a ceremony held at the Latin American Memorial, former players Carlos Alberto, Félix, Rivellino, Clodoaldo, and Edu headed the group welcoming the FIFA Cup on the second and final stage of its journey through Brazil. The five soccer players from the third of Brazil’s five world-championship teams, known as the ‘Tri,’ hoisted a world-championship trophy once again, after having hoisted the Jules Rimet Cup in Mexico in 1970. “It’s a pleasure for us to welcome this Cup here in Brazil. I also want to thank everyone for this homage to the champions of 1970; although there are younger champions, people still remember us forty years later,” Carlos Alberto, the captain of the team that won in Mexico, assured the press. The Cup arrived in Brazil last week and was welcomed in Rio de Janeiro on Saturday by Brazilian soccer’s greatest hero, the three-time world champion ‘King Pelé.’ The trophy is touring eighty-three countries to promote the 2010 South African World Cup, which will begin in July. The tour began on 21 September at FIFA’s headquarters in Zurich, Switzerland, and will end in South Africa on 4 May. The ceremony inaugurated a special exhibit about the trophy at the Memorial, opening on Tuesday and expected to draw around ten thousand visitors on Tuesday alone. At this São Paulo institution, fans will be able to tour a thematic park about soccer, including large-screen multimedia presentations, videogames, and opportunities to play on mini soccer fields, to see a 3D movie about the sport, and to take pictures of themselves with the World Cup trophy. Brazil, which won the South American qualifying rounds by a wide margin, will be one of the principal favorites at the World Cup in South Africa, for which the current trophy was first awarded in Germany in 1974. Brazil won permanent possession of the Jules Rimet Cup as three-time champions in Mexico, but the trophy was stolen in Rio de Janeiro in 1983 and never recovered.
By Dialogo January 25, 2013 United Nations peace missions are generally carried out by military and police groups under their own doctrine and organization to act in these kinds of non-war operations. In my opinion, the Armed Forces are the most highly qualified institution to contribute to peace, since they have a solid moral and military instruction. Within the Armed Forces, there are different units capable of performing assigned roles; whether combat, air, land, or maritime units with their own logistic autonomy allowing them to deploy quickly with their combat and logistical means. Land combat forces are the most highly exposed to direct, first-line military action, so they must be highly trained to overcome unexpected events, to move forward, and finally stabilize an unstable region. This can be achieved by means of highly cohesive professional units and common doctrine. Efficiency and effectiveness will be possible due to their low rotation, knowledge of people, mutual trust and high level of training. In the case of Chile’s experience in peace missions, specifically in Haiti, our Military forces are highly prestigious due to their professionalism, team spirit and responsibility to support the Chilean State’s foreign policy: to contribute to regional peace and stability. The Chilean Armed Forces have deployed over 15 military groups consisting of Chilean Army, Marines and Navy personnel, as well as Air Force components that have fulfilled these missions. The current situation in Haiti is extremely fragile, mainly due to its low degree of governability and public institutional organization that, in addition to its exposure to natural disasters, may jeopardize its internal security at any time. This situation is also affected by the lack of Haitian Military forces and the country’s reduced police force, including limited equipment and training. We shouldn’t forget that peace does not justify the loss of human lives. So far, no Chilean force members were killed during these operations, and we must take every measure to prevent this from happening. Political responsibility will entail participation in these missions and the institutions should always be responsible for deploying professional units, capable of fulfilling their tasks, being highly knowledgeable in peace operations, human rights, land combat, and maintaining a high sense of adaptability regarding the processes of security and stability recovery of a given region. As well as in other parts of the world, military forces in Haiti must widen their vision beyond the military arena and learn to have a better understanding of civic peace organizations. Every peace operation must be composed of interagency support, which respects civic institutions, with their experiences and their view of reality. Military forces in peace operations will always be a great contribution to foreign state policy, since they perform as ambassadors of the countries they represent. *The ideas expressed in this article are based on the experiences of Chilean Marine’s Captain Claudio Escalona Encalada, U.N. Military observer at the Arabic-Israeli conflict (2003), and as Chilean Battalion Commander in the United Nations Stabilization Mission in Haiti (2008). Currently, he performs as Chilean Liaison Officer at the United States Southern Command.
First time buyers represented a record low share of home purchases in the 12 months ending in July 2015, the National Association of Realtors reported in an annual survey.The 2015 Profile of Home Buyers and Sellers found first time buyers made only 32% of home purchases during that period. First time homebuyer market share was 33% in 2014; the July 2015 figure was the second lowest since the association’s first survey in 1981. continue reading » 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
49SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Trevor Knott Trevor Knott is a strategic marketing veteran who has spent much of his 20-year career developing marketing and distribution products and services for top-tier banks and suppliers to the banking … Web: www.bsgfinancial.com Details Recently, I wrote about the reality of budget season: how budget season always begins with ideas for big programs and changes for the year ahead, but ends with a tightly sealed budget, a small list of usually regulatory-driven “must do projects”, and only memories of the grander projects proposed at the beginning. And how credit unions can break through that annual archetype by identifying at least one signature project that they will commit to for the year ahead and renewing that commitment at the beginning, middle, and end of the planning cycle. Finally, I suggested 3 specific ideas for potential signature projects:Build a new productGo deep on a marketing campaign, orImplement or enhance a channel.Today, I’ll dive into the first of these ideas, to help you make it the ONE THING your credit union does in 2016. (Watch for upcoming how-to posts about ideas #2 and #3!) Build a New Product for Your Credit Union Why build a new product? It’s simple, really. There are very few things that can simultaneously awaken and galvanize both your members and colleagues like the launch of a new product. We operate in a world of largely intangible services – there is very little you can touch-and-feel in our industry. For that reason, in years past we would rely on our one tangible asset – the branch – to be the hub of excitement, and we would open new branches to show our strength as an institution and celebrate these events with members and colleagues. But branch-openings are increasingly rare, and moreover are met by our members with a passing yawn. Indeed, in its 2015 North America Consumer Digital Banking Survey, Accenture found that 81 percent of consumers said they would not switch banks if their local branch closed. Only two years ago, that number was 48 percent.That leaves us with product as our most tangible (while admittedly still intangible) asset for generating member and colleague excitement. Well-built banking products are more than just a transaction-channel, more than just a financial calculation, and more than a promise of consumer-benefits; they are ALL of these things combined and packaged-up into one. As a result, products have the potential to draw attention and intrigue in a manner that more closely resembles a shiny package under the holiday tree than a mundane new check-box on an ATM-screen or VRU-prompt ever could!But, just like that present under the tree has to be relevant for its intended recipient, so too do your new products. It is critical that the starting point for your new product be consumer wants and needs, not the credit union’s income statement. Don’t over-complicate your approach; rely first on your intuition that most members have fairly basic desires: access to competent service, availability of multiple channels that reliably work, and substantial rewards for their business.If you adhere to these basic consumer desires, you CAN devise a profitable financial model for your new product(s). How? By establishing a value-exchange with your members, one in which their profitable banking behaviors are clearly and demonstrably exchanged for fair-to-generous levels of service, access, and rewards.So what’s stopping you? Why do we still hear so often that ours is an industry of “commodity products”? The deafening cries of “my inflexible core system” and “we have no resources” are undoubtedly reverberating through your heads — but they needn’t be. The fintech space has grown exponentially in recent years, to where it is now a veritable playground of vendors offering slick and well-tested off-core and quick-to-market solutions. Sure, some are more “off-the-shelf” while others are more “customized” — but they are out there, ready to be neatly (and quickly) assembled into your new product, packaged-up and shining under your holiday tree!Watch for my upcoming how-to posts on DOING ONE THING ideas #2 and #3 — going deep on a marketing campaign, and implementing or enhancing a channel.
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr A House Financial Services subcommittee is set to hold a hearing examining access to banking services for cannabis-related businesses.“We’re trying to examine how outdated banking regulations on the federal level are hindering reform on the state level when it comes to marijuana,” said Democratic Congressman Gregory Meeks, chairman of the Consumer Protection and Financial Institutions subcommittee. “Hopefully, the hearing will allow us to ascertain what steps we can take to encourage economic growth and public safety in that space.”More than 30 states have legalized some form of cannabis use, but it is still federally prohibited — making banks hesitant to serve legal cannabis-related businesses.The American Bankers Association (ABA) says even in the “climate of non-enforcement” the majority of financial institutions “will not take the legal, regulatory, or reputational risk associated with banking cannabis-related businesses without congressional action.” continue reading »
SHARE Email Facebook Twitter June 25, 2018 Governor Wolf Signs Employer Statement of Support for National Guard Members Government That Works, Press Release Harrisburg, PA – Today, Governor Tom Wolf signed a U.S. Defense Department Employer Statement of Support for the more than 1,300 Pennsylvania National Guard members and reservists who work for the commonwealth, thanking them for their service and pledging to offer support as these Guard members and reservists fulfill their military service duties while under the commonwealth’s employ. The governor was joined by the Adjutant General of Pennsylvania, Maj. General Anthony Carrelli, members of the Pennsylvania National Guard, and Col (ret.) Gregory Parish and George Mentzer from the Employer Support for Guardsman and Reservists Program.“I am proud to be here today to officially sign the Commonwealth of Pennsylvania’s Statement of Support for National Guardsmen and women across Pennsylvania,” Gov. Wolf said. “This statement pledges our cooperation and support to our employees who need to take time away from their commonwealth duties to serve the people of Pennsylvania as members of the National Guard.”The intent of the Employer Statement of Support for Guardsmen and Reservists program is to increase employer support by encouraging them to act as advocates for employee participation in the military. Supportive employers are critical to maintaining the strength and readiness of the Nation’s Guard and Reserve units.The first Statement of Support was signed December 13, 1972, in the Office of the Secretary of Defense by the Chairman of the Board of General Motors. President Richard Nixon was the first President to sign a Statement of Support, and in 2005 every Federal Cabinet Secretary and all Federal agencies signed a Statement of Support to signify their continuing efforts to be model employers. Since its inception, hundreds of thousands of employers have signed Statements of Support, pledging their support to Guard and Reserve employees. Pennsylvania currently has 31,000 actively serving Guard members and reservists.“I urge all commonwealth employers to sign similar letters of support to ensure that, when duty calls, Guard members know that they can go without having to worry about responsibilities left behind at work,” Gov. Wolf said. “And so they can focus on their larger responsibility to the people of Pennsylvania. Their sacrifice, their bravery, and their willingness to do anything and go anywhere in service of their fellow Pennsylvanians is an inspiration.“It is because of the work that our Guardsmen and women do that Pennsylvania has the finest National Guard in the nation, and I couldn’t be prouder of them.”More information on the Employer Statement of Support Program, here.