Plant fall color at home

first_imgBy Jim MidcapUniversity of GeorgiaFall has slowly slipped up on us. The nights are suddenly cooler,the days are shorter and recent rains have refreshed our woodsand landscapes. And the fall leaf season is just around thecorner.With cool nights, bright days and adequate moisture, the turningof the leaves could be spectacular. While we’re admiring all thereds, oranges and yellows, we should be planting our own fallcolor.Fall is the perfect time to plant young trees while you’reenjoying the spectacular fall leaves. Our nurseries and gardencenters stock up on a variety of trees for fall planting.Try these selections at homeHere are some trees that offer outstanding fall color. Some arereadily available. Others will be harder to find.The trident maple is a handsome, tough treewith an upright, ovalshape. Its leaves are pest-free, lustrous dark green andthree-lobed. The foliage changes in fall to a rich yellow andred.The bark is a striking gray to orange-brown that exfoliates.These plants withstand drought and infertile soils. Reaching 25to 35 feet tall, they’re hardy throughout the state.Red maple is a swamp native that grows 40 to60 feet tall. Youngtrees are pyramidal, becoming rounded to irregular at maturity.The reddish spring flowers are followed by bright red fruit.The smooth, gray bark is attractive. Fall leaves develop intoglorious yellows and reds. Named selections are widely available,with “October Glory” and “Autumn Blaze” offering reliable color.Many native hickories put on a spectacularshow year after year.They’re seldom available at nurseries because they’re hard totransplant. You may want to collect seeds and start your owntrees on the edge of the woods.Hickory leaves turn brilliant yellow to golden in the fall. Theleaves and nuts are a little messy, and the trees grow slowly.Most grow in deep, moist, well-drained soils as well as on dry,upland sites. Don’t buy femalesThe ginkgo is old, its unique, fan-shapedleaves embedded in thefossil record. It’s very slowly becoming established. Youngplants are gaunt and open but become full and dense with age. Itbecomes a mature specimen when the bright green leaves turn abrilliant, clear yellow in the fall.The leaves suddenly will cascade to the ground in a single day.Buy male trees when possible. Females produce fruits that developa rancid odor as they mature.These trees and many others can brighten your fall landscape. Besure to select trees adapted to your site to ensure the successof your planting project. Spicy fragrance a bonusThe elegant katsura tree is pyramidal tostart with and becomesan upright oval form with age. The leaves mature to blue-greenand turn a rich yellow to apricot in the fall. As an added bonus,the falling leaves give off a spicy fragrance.The brown, shaggy bark provides year-round interest. There are noserious insect or disease problems. However, the katsura treerequires moisture during droughts to prevent early leaf drop. Thetrees grow 40 to 60 feet tall and are hardy statewide.American yellowwood is an uncommon nativetree that’s not widelysold. Trees are low-branching with broad, rounded crowns. Thewhite spring flowers produce a spectacular show but may bloomonly in alternate years.The larger branches and trunk are smooth and gray. Yellowwoodmakes an excellent medium-sized 30 to 50 feet tall specimen tree.They’re hardy throughout the state.Sourwood is one of our best native trees forfall color. It’sdelicately pyramidal with drooping branches. Young leaves matureto a lustrous dark green and turn red to maroon in the fall.The white flowers come in 4- to 10-inch panicles in June andJuly. Sourwood is great for naturalizing native sites in sun orpartial shade. The trees reach 25 to 35 feet tall and do best innorthern Georgia.last_img read more

Floating windfarms present major economic opportunity for U.K.

first_img FacebookTwitterLinkedInEmailPrint分享ReNews:Floating offshore wind has the potential to generate up to 17,000 jobs in the UK by 2050, according to a report from the Offshore Renewable Energy Catapult.The report, which was commissioned by Crown Estate Scotland, said the sector could add 10GW of capacity by mid-century and generate up to £33.6bn of gross value added. It said that the global potential for floating offshore wind – 55GW by 2050 – also offers an annual export value to the UK of at least £230m by 2031 and £550m by 2050 with appropriate support.“The UK now has a short window of opportunity to capitalise on its early advantage and realise the long-term benefits,” the report said.Policy support is essential to provide the private sector with the confidence to invest, it added. This should include ring-fenced funding for floating wind in future Contracts for Difference auctions for at least 100MW of pre-commercial projects by 2025 at a cost of £668m and 800MW of commercial-scale by at least 2027 at a cost of £1.2bn.Scottish Renewables policy manager Stephanie Conesa said: “Floating wind provides an enormous economic opportunity for Scotland and its development, as well as that of other earlier-stage technologies, has the potential to provide renewable electricity in locations where other renewable energy devices cannot be deployed.”The UK has early-mover advantage in floating offshore wind with projects such as Equinor and Masdar’s 30MW Hywind Scotland facility, the report said.More: Floating wind offers UK ‘17,000 jobs bonanza’ Floating windfarms present major economic opportunity for U.K.last_img read more

Territorial Consolidation in Colombia: the Right to have Territory and a Territory with Rights

first_img Reconstruction (PNCRT) are applied – areas with high violence rates and illicit exchanges with Thailand, Peru, Bolivia… State takes action and offers legality. In this sense, we work with a fundamental DIÁLOGO: To conclude, Dr. Chamorro, would to like to add anything for Diálogo readers? which had requested that cooperation– we have been visited by countries that are organized this plan and created the Special Administrative Unit for Territorial level of consolidation in the region. will be applied this year in all 58 municipalities, with the aim of measuring the choose municipalities that had been excluded from the development of the country. By Dialogo January 06, 2014 Dr. Chamorro: Community Action boards conduct the people’s training. They have continued actions that we have started, and people are satisfied because they are able to decide how to invest. Consolidation areas are conflict zones, but very rich in oil, nature, mining, water, hydroelectric resources; we have four hydroelectric generators in our regions. So, there is a lot of potential here for energy management through the use of hydroelectric powerplants. territories in an emergency action with their scarce resources; assisting help Central American, Caribbean, South American, South Asian and African countries, allows the creation of the necessary conditions for peace in strategic territories, we have signed an agreement with them, by which we grant scholarships to… so far, populations affected by armed confrontation in a civil-military approach. Our basis only government policy existing in 58 municipalities in 13 departments, with territorial security as basis. With security provided by the Public Forces, the national, regional and territorial public institutions, as well as with the partner to enforce our institutional mission, and making the community develop trust Dr. Chamorro: The main difference is that we address social and civil sustainable. It is a very different intervention, compared to the operations is territorial security, although our intervention is merely civil and social. From favoring the economic and social development of the country, which has been affected mayors. We intend to take those regions that were excluded from national development contribution to facing the challenges of the country at this stage. There is no and now operate within the law. I think this is very important support. Dr. Chamorro: The mechanisms and methodology used by the Unit deployed Coordination and Integrated Action). It is conducted by the Public Forces, but until now the state had been absent; where insecurity and underdevelopment were eradication of illegal coca crops. Once the presence of guerrillas disappear, state representatives would take action through civil agencies, in order to conduct projects that will generate an enduring impact, not only in infrastructure, but also in production and technical and financial assistance to help the population take leadership of development. Moreover, the population would have a safe enough environment to promote their role as active participants in the economic and political fields in the country. Two years after its reorganization as an entity subscribed to the Social Action Department, Diálogo visited the offices in Bogotá to interview the current director of the Special Administrative Unit for Territorial Consolidation, Dr. Germán Chamorro de la Rosa. community, in order to pursue continuity and sustainability of actions proposed, so solidarity received through the international cooperation with the same purpose. We DIÁLOGO: Could you tell us about some of the achievements made so far? Dr. Chamorro: Our attendance to the opening ceremonies is one of our distinguishing features. In an area where the State had always been absent, a man DIÁLOGO: Are these families that formerly grew coca crops? part of the post-conflict scenario in these regions, which are so deeply affected by them sustainability. We provide them with building capabilities, so that people become trained and empowered. close relationship with the Army, and we are working hand in hand with budgetary countries? DIÁLOGO: Are there any examples of how you’ve reached out to the people? Dr. Chamorro: That work strategy comes from the interagency management illegal armed groups and illicit crops, among other factors. In other words, we where the UAECT has intervened, as well as promoting State officials to learn about for the people; $30 or 40 million Colombian pesos [about US$ 16,000 to 21,000] in by armed violence for decades; it is structured on the concept of security and the in territories where the National Policy for Territorial Consolidation and DIÁLOGO: In a post-conflict scenario, what are the roles and responsibilities Dr. Chamorro: Yes, of course. So, it is a way to reshape people’s power-generating plant, which changed people’s lives. Before now, they just had DIÁLOGO: What is the Unit’s structure and approach? considerations. For instance, we have invested in the Cauca project; they invest in the need to integrate territorial actions and policies that will provide a vision, to show them that there is a State that is thinking of them. People looking for new government approaches, in order to find intervention alternatives in DIÁLOGO: What does it mean to build capabilities? Dr. Chamorro: What we seek is that municipalities become more and more Dr. Chamorro: Yes, hand in hand. Since I took office, we have had a mobilization for the construction of governance scenarios, in accordance with dominated by the guerillas, but we were able to reach up and establish a DIÁLOGO: What is the difference between civil and military territorial crops – are already under a post-conflict scope. I consider this to be the best DIÁLOGO: Tell us about the consolidation indicator… center_img Dr. Chamorro: It is a new indicator that was made with U.S. contribution, which has not been implemented yet, but will measure the whole consolidation process in all regions. Its scope is very wide, since it measures politics in different regions, so the population can be interviewed and then the state presence can be measured; we can figure out how regions are consolidated. A pilot test was conducted in Tumaco, Monte Líbano and San Juan de Arama. The indicator told us “thank you for remembering us.” These are small, life-changing initiatives DIÁLOGO: Before, guerrillas were their only option… We are willing to make our contribution in this area. We have a great program that I The idea of creating a Territorial Consolidation Program in Colombia started in 2004, as a strategy to bring state presence to rural and conflicted areas, where about 64 people from violent areas. These beneficiaries graduate as agronomic Consolidation National Policy and the Consolidation Unit have been made with the we can overcome obstacles generated by exclusion as a factor that has provoked DIÁLOGO: How did the idea of the program arise? Concepción, near the place where Raúl Reyes was killed. It is an area traditionally wreaking havoc. But it was not until November 2011 that the Colombian government transition towards a stronger Colombia in terms of democracy, peace and coexistence. appreciate small deeds… Dr. Chamorro: We have the Counter Illicit Crops Program within the Unit. There are three directorates: Regions, Joint Execution and the Counter Illicit Crops Program. We also conduct forced manual eradication of illicit crops with the Mobile Eradication Groups (GME), through which we generate employment and conduct eradication operations. In addition to the almost 64,000 hectares eradicated by the GMEs, we also conduct post-eradication actions. Our program most widely promoted has been the Forest Ranger Families. Peace Program. The University of La Salle has an agronomy school called Utopía, and DIÁLOGO: But they go hand in hand… DIÁLOGO: Dr. Chamorro, would you explain what Territorial Consolidation engineers, and are committed to return to their hometowns and start working and taking projects. Utopía is related to peace, because that is the goal. All we do is means? have also held exchanges with the south in operations to eradicate illicit crops; Dr. Chamorro: Territorial Consolidation is a government policy that at overcoming common development challenges in a joint way, offered by Colombia to of the Consolidation Policy? people must be convinced and their trust must be won. Therefore, it is a policy that would like to mention. We have an agreement that has been nominated to the National also has another great advantage, regional politics. DIÁLOGO: What are the criteria used to select a specific territory? Dr. Chamorro: The designation of territories is made by the National Security President Juan Manuel Santos’ sound government policy, conducted jointly among violence. Through the Armed Forces’ interagency program, they intend to assist there is no overlapping and coverage can be more extensive. violence. conducted by the Public Forces with the Army in Integrated Action. Southern Command is also fundamental for the creation of all our strategies. Good afternoon. The interview with Dr. Chamorro was very good, as well as the implementation of the program in different regions. It would be good to know the municipalities involved nationwide, that are benefiting from the outreach of the Consolidation program. a good page international organizations, with a permanent involvement intended to be Consolidation (UAECT) as the entity for meeting that goal and liberating these areas the regional and local spheres, about which path to follow. The support of the Dr. Chamorro: Currently, the UAECT is working to implement the consolidation index, created with the support of ‘Fedesarrollo’ (a Colombian economic and social research company) and international cooperation, which intends to measure the total progress of the National Consolidation Policy, a main tool for this purpose. Then, we proceed to bringing the State together, making us essentially its unifying agents. The investment on the focused region is historic, representing an increase of almost 400%. There has been almost two trillion [Colombian] pesos (US$ 517,000) made in national state investments, with almost 27 state institutions functioning as intermediaries. With the Quick Response Program, for example, we have taken action in 12 departments, 47 municipalities, 307 sections, and 266 chosen projects, the policy of many which were embraced by the community and taken over to conduct several of them. With the strategy of the Forest Ranger Families 2012-2013, a program that provides people with food security, a productive project and technical assistance so that people can optimize their products, we have supported 19,374 families with an investment of $19,906 million Col. pesos (US$ 10,264.04) in the production of cocoa, coffee, sugar cane, palm, forestry, pasture-forestry, apiculture, among others. We invest resources in those families that have been forest rangers and conclude their cycle by taking up productive projects, so they can obtain sustainability and can make progress. and help them make progress. The purpose of this policy is to strengthen those Dr. Chamorro: In the South-South cooperation process –cooperation aimed them before. For example, there is a region in Putumayo, which is called La consolidation actions? basis, such as citizen participation. We do everything with the community. Before from illegal armed groups; to disrupt their support and supply networks, and conduct adjusted. So we give municipalities and villagers the capabilities to do so; we give is made by us and the Public Forces, but we also do it with the Civil Society. It security. Furthermore, we consider that this is a way to return to the world the exercise of fundamental rights of people (Section 2 of the Constitution). It is the question that the new peace scenarios require not only a national outlook, but also DIÁLOGO: Is the Colombian Government planning to share experiences with other areas where violence and lack of governance cause vacuums affecting national contact with guerillas, so to have State presence means that they were remembered. our projects, so there is an exchange. It is a joint and coordinated effort, so investments, but which had never taken place before, and villagers had never trusted program called ‘Centro de Coordinación y Acción Integral’ (Center of starting any process, we ask the community their opinion. We are also executors of Dr. Chamorro: It is important to emphasize that the achievements of the Dr. Chamorro: Yes. They are people that were on the verge of illegality Council, considering exclusion from national development, and the existence of DIÁLOGO: How is that done? support of international cooperation, especially by USAID, becoming a strategic regions. the Community Action Board, we are working with town halls, governor’s offices andlast_img read more

Credit unions should dream big like Twitter

first_imgTwitter turned 10-years-old yesterday.I remember the first time I really thought about Twitter. 140 characters. That’s it?I may have giggled. Well, the joke is on me. Today, there are 974 million Twitter accounts.I’m sure the founders of Twitter encountered a few giggles on their way to success. I’m glad they ignored the naysayers.If you’re reading this, you’ve likely heard a few giggles yourself.From bankers. From Wall-Streeters. And unfortunately, from inside our own industry at times.Our market share rests at less than 8% of total assets. Oh, but only if we could get to 10%.Why not 25%? Why not more?Some may think that’s unreasonable.Not me. continue reading » 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

You can’t afford NOT to use data-driven onboarding

first_imgFinancial consumers today have choices – at least 10,000 when it comes to financial institutions, to be more exact. That’s why, when you secure a new member, retaining them is so important. Between 25-40% of new members leave a credit union in the first year. Consider this: It costs far more to acquire than retain a member.You are much more likely to be successful selling to an existing member than a new one. Loyal members are more likely to adopt new products.Customer satisfaction increases significantly with regular follow-up after account opening.So, what can credit unions do to preserve those ever-important member relationships? Study after study shows effective onboarding is key – with emphasis on “effective.” Effective onboarding:Increases revenue and decreases costs.Increases member engagement.Increases wallet share.Increases member loyalty.What makes an onboarding program more effective? The most powerful weapon is the one you already have: your data.Data-driven strategies are the secret weapon for onboarding programs that are relevant, targeted, and highly successful. Without tapping into your data resources, you risk losing time and resources on efforts that don’t produce the right results. The first 90 days of the new member relationship are critical. This is the window of time to reinforce the member’s decision and cement a long-lasting bond.And remember, the days of seeing your members in the branch are dwindling. In 2016, approximately 40% of Americans said they hadn’t visited their bank or credit unions in past six months – and the trend has continued to accelerate. Your onboarding program should be largely digital, and engage members that may never walk through the door.Here’s an overview of what the first 90 days of a data-driven onboarding plan built by CU Rise might look like. Welcome. Make the member feel valued and let them know what to expect. Sending thank you cards are one way to welcome the new members.Provide a guide. Give members the information and steps needed to get going with their products and remind them of the benefits. Offer a tour of your site and its features. This can happen automatically with a triggered email that also prompts members to go digital.Increase engagement. Ensure the members are using their product and deliver a seamless onboarding program personalized for each member using data segmentation. Cross-sell using data. Identify unfulfilled needs and offer only relevant solutions. An auto loan, real estate loan, credit card, insurance or investment offer might be made after analyzing the members’ transactions, demographics and relationship history.Effective onboarding is about more than just cross-selling. When done right, it fosters a deep and lasting relationship and builds greater satisfaction overall, including with the products members already use. We can help you create a highly personalized and much more effective onboarding plan – but one that feels almost effortless because it uses the right tools and technology. 43SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Karan Bhalla Karan Bhalla is the CEO of CU Rise Analytics and who has almost two decades of financial services and data analytics experience. CU Rise Analytics is a global CUSO helping … Web: Detailslast_img read more

All-Share beats property returns for last ten years

first_imgWould 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 To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

Phrased and confused

first_imgWould 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 To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

Final death toll in Yogyakarta flash flood stands at 10

first_img“With the discovery of all victims, the SAR operation is now complete,” Asnawi said.The incident occurred on Friday, when 249 seventh and eighth graders from Turi 1 junior high school went trekking along the banks of the Sembor River as part of a girl and boy scout activity. During the trek, the river suddenly flooded, sweeping away many of the students in the current.Read also: ‘Reckless’: Parents criticize school for allowing river trek before Yogyakarta flash floodThe 10 fatalities were all female students, who were all wearing long skirts that made them especially prone to being dragged away by the strong currents, according to Yogyakarta National Search and Rescue Agency (Basarnas) head L. Wahyu Efendi.The Yogyakarta Police have named a physical education teacher at Turi 1 junior high school – who also served as a scout leader during the river-trekking lesson on Friday – a suspect for negligence. He was among seven scout leaders who were present during the incident. (rfa)Topics : A joint search and rescue (SAR) team scouring the Sembor River in Sleman, Yogyakarta, Central Java has recovered the bodies of the remaining two missing junior high school students who were swept away by a flash flood during a riverbank trek, bringing the total death toll from the incident to 10.“We found the bodies around the Matras Dam, about 400 meters from where [the students were swept away in the flood],” SAR operations commander Asnawi said in a statement on Sunday.The bodies were recovered in the early hours of Sunday and have since been taken to Bhayangkara Police Hospital in Yogyakarta for identification, he said.last_img read more

Strong competition pushes up price at auction

first_imgThe home at 62 Vale St, Wilston.COMPETITION between eighteen registered bidders helped a colonial Queenslander in Brisbane’s inner north sell for $170,000 above the reserve price.The pretty-as-a-picture home at 62 Vale St, Wilston, recently sold under the hammer for $1.87 million — defying Brisbane’s sluggish auction environment.The strong interest for the property helped push the opening bid of $1.6 million higher until the home was on the market at $1.7 million.It then came down to just three bidders, who battled it out until a local buyer had the final say.More from newsFor under $10m you can buy a luxurious home with a two-lane bowling alley5 Apr 2017Military and railway history come together on bush block24 Apr 2019Marketing agent Ian Cuneo, of Ray White, said the four-bedroom, three-bathroom house on 810sq m had great street appeal and had attracted strong interest from local and interstate buyers.Auction activity can be slow this time of year, but the blue-ribbon north Brisbane suburb of Wilston is on fire, according to Mr Cuneo.He said Wilston had a high auction clearance rate, with the number of registered bidders at auctions steadily increasing.“We tend to find that the short supply of homes during this period actually increases the buyers’ activity,” Mr Cuneo said.The sale of 39 Ray St at auction recently for $3.851 million — a record price for the suburb — is testament to that.Mr Cuneo said Wilston’s proximity to the CBD, public transport, cafes and good schools made it a high-demand area.The suburb has a median house price of $1.17 million, according to CoreLogic.last_img read more

Juvenile given a second chance

first_img Share LocalNews Juvenile given a second chance by: – May 8, 2012 54 Views   one comment Sharing is caring! Tweetcenter_img Share Share Court gavel. Photo credit:lazytechguys.comShannon Oden who was facing charges for wounding Odillon Thomas in 2009 has been given an opportunity to turn a new leaf in his life after having his matter was been discontinued against him on Tuesday.Shannon Oden who was charged for wounding Odillon Thomas in 2009 had that matter discontinued against him on Tuesday.The victim, Odillon Thomas informed Justice Birnie Stephenson-Brooks in Court that he wanted “the matter dismissed for personal reasons”.Justice Stephenson-Brooks questioned Thomas as to whether he was forced, beaten, promised any money or paid any money and he answered “no”.She further probed him as to whether he made that decision on his own and he said “yes”.Thomas was warned by Justice Stephson-Brooks that once the matter has been dismissed he could not return and ask for it to re-commence and he answered that he understood.Shannon Oden who wounded Thomas apologized to him in Court and expressed gratitude for the gesture.“I just want to tell him thank you for doing that for me please and if I could apologize to him in front of everybody. I am sorry for harming you if it’s possible and I’m sorry; I’ll never do it again. Thank you”.Justice Stephenson-Brooks advised him to let this be a learning experience for him.“Don’t let yourself get into any tussle with anybody; walk away. If you get vex, fold your hands and walk away, getting into trouble does not pay”.She cautioned him further to “walk a tight rope” as the police know him and have his fingerprints on file. Gene Pestaina; the Director of Public Prosecutions asked that the matter be discontinued against Shannon Oden. Dominica Vibes Newslast_img read more