Bringing Back the Brook Trout

first_imgThe future of brook trout like this one from West Virginia is in jeopardy, but not all hope is lost.It’s no secret that the brook trout is in trouble. It is estimated that brookies inhabit only nine percent of their former native habitat in the East, and are especially vulnerable in the Southern Appalachians due to many factors. The brook trout is not only a beautiful and lively game fish for anglers, it is an indicator of water quality as they require only the cleanest, coolest water to survive. Once prevalent in large streams, they are not relegated to headwaters high in the mountains. Luckily, there are groups like Trout Unlimited and the Eastern Brook Trout Joint Venture that are working aggressively to slow the decline of natural brook trout habitat, and they took another big step to that end at a workshop in West Virginia this past November.Among other things, the main focus of the workshop was to establish a more acute process for monitoring brook trout populations: identifying populations per square mile, as oppose to the previous per 30 square miles. This will allow fishery managers to pinpoint more accurately where to concentrate their restoration and conservation efforts. On the flip side, the new approach and finer data will reveal just how bad the situation has gotten for these fragile fish. As the climate warms, so will the water pushing brookies further up stream and further limiting their ability to survive.Trout Unlimited Chesapeake Bay Land Protection Coordinator Kevin Anderson lays out the whole situation in more detail in this blog post on Trout Unlimited’s website. There is also a very informative video, featuring an impressive W.Va. brookie embedded below.If you are a small stream, brook trout enthusiasts, please take a moment to read through Anderson’s post and consider joining the efforts to preserve the habitat of the East’s only native trout before it’s too late.From the Field: Linking land and water in brook trout conservation from Chesapeake Bay Program on Vimeo.last_img read more

Tapping into the Amazon business model

first_img 26SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bob Dorsa Bob Dorsa is the President of the ACUMA (American Credit Union Mortgage Association) a professional trade association (co-founded by Dorsa in 1996). ACUMA is one of the most unique niche … Web: www.acuma.org Details What comes to your mind when you think of Amazon? Many view it as a well-established, well-respected company known for its ability to deliver goods at competitive prices.What started as a bookseller has become one of the most recognized brands worldwide, delivering goods and services to millions of customers. When I think of Amazon, I think of convenience; I think of reliability; I think of excellent value and wide selection. What makes Amazon so successful are all of these things—and the continuing ability to meet and exceed the expectations of its customers.Add to that the continuing expansion of Amazon’s offerings—television programming and music services, for example. And then there are the technological innovations, such as drone delivery.And as you probably know, Amazon ships free and offers two-day delivery (for an annual subscription that includes a number of premium services) of online purchases. It offers price comparisons and rates products by customers who have bought them. That’s not only convenient, it’s transparent.The Amazon model offers lessons for credit unions that do mortgage lending. To be the best you can be, to continue to grow your market share, you must decide what is important to your customers and excel at delivering it, much as Amazon has done.Let’s look at the factors in Amazon’s success and how they can apply to your mortgage lending operation.Convenience. Do you make it easy for your members to get a mortgage loan? You should offer applications in any way they want—online, in person at your branches, over the phone. Then you should set the bar high for service—if they apply online to get back to them within hours not days. If they apply with a branch employee that isn’t a mortgage expert, make sure the loan is reviewed by an expert, again in hours not days. Reliability. And once the loan is in the pipeline, can you promise a closing date in 45 days, or better yet, 30 days? It takes coordination and persistence (as well as cooperation from the borrower), but it can be done. Successful mortgage departments communicate—internally and with the borrower—every step of the way. Duties are clearly defined, and the MLO and underwriter work together and keep the borrower in the loop, and aware of their responsibilities (especially for providing records) from start to closing.Value. The price of the loan isn’t the only factor, as the points above should tell you. But nonetheless, it is important to borrowers. (Who wants to pay more than they have to?) Offer competitive rates and promote them. Put them in context, too. Make it clear that you offer more than the package of conventional loans pedaled by your competitors. Selection. What kinds of mortgage loans do you offer? As we move into a purchase-loan environment, it becomes critical to meet your potential borrowers’ needs by giving them choices. If they can’t qualify for a conventional 30- or 15-year loan, give them some alternatives that they can afford. Especially for first-time homebuyers: Work with them; show them you are willing to help them reach the dream of home ownership. Together, these four factors can bring you success. But it takes work and commitment—and an investment in both timer and money.So talk with your peers. Find out how the successful lending programs got there and how they plan to stay ahead. Attend credit-union industry events and soak up knowledge from the experts. Partner in your community with Realtors. Do your homework and build a network of other lending professionals for support and advice.The sooner you can accelerate your mortgage program, the better your chances for being a leader in your market.last_img read more

S. Africans reluctant to return to places of worship despite lockdown easing

first_imgTopics : ‘Not yet time’ Lockdown forced tech savvy South Africans to seek out online worship, challenging the ordinary and mundane nature of many religious services.”I’ve been streaming different sermons online… at first it was weird but now I am used to it,” said 22-year old Ntokozo Zulu, a devoted Christian living with her elderly mother. “It’s a way to make sure that I still keep in touch with God,” she said adding that for some people religion was a lifeline.”I can bet people needed that close relationship with God during this tough coronavirus lockdown.”But the reopening of places of worship has sparked controversy with religious leaders themselves perplexed on how to resume safely.In a letter to parishioners, clergy and bishops of the Anglican church, Archbishop Thabo Makgoba said there was a consensus that “it is not yet time to resume worship”.He said preliminary reports had shown many dioceses and parishes had raised concerns including the return of pensioners and clergy over 60-years old, what to do if more than 50 congregants arrive and how to respond if congregants begin singing or mingling spontaneously.Calling for further engagement with the South African Council of Churches and the state, the archbishop said it would take time to gather the data needed before a decision to resume Anglican services can be made.Even the Zion Christian Church, South Africa’s largest operating church, has opted not to resume services despite the easing of restrictions.  “Our first service was today… we didn’t have as many of our congregation members as usual,” Pastor Sylvain Malindhva of Peniel ministries told AFP. “The fear is there… a lot of people are still hesitating to come to the churches.”In Johannesburg’s crowded business district, some small evangelical churches have opened up for services under strict government regulations including the wearing of masks and social distancing.”God gave us also wisdom and intelligence. We can’t just say because we are praying we are not going to observe those preventative measures,” Malindhva said. But many religious locals are opting to stay away.center_img Strange space “I am praying at home, God hears me just fine when I pray at home with my family,” 57-year-old vegetable seller Gloria Msibi told AFP.”I love church but it is so dangerous to be in a closed space with so many people.”Since recording its first virus case on March 5, Africa’s most modern nation has reported nearly 46,000 infections and 952 deaths, registering at least 1,000 new infections daily in recent days.On Friday many South African mosques hosted their first prayers in more than two months.”We usually stand shoulder to shoulder. Right now we have to give space which is kind of strange,” IT technician Tunde Oladeji told AFP after prayers at a Turkish mosque in Midrand, north of Johannesburg. “It is still better to be here than to be at home because praying in a mosque is really special.”A fellow congregant described the prayer session as both “emotionally and spiritually challenging.””It is something different and so we have to adapt, and adapting is a challenge for some people. So it will take time, but hopefully … we will get through this together.” White plastic chairs are sprayed down with sanitizer and a smartly dressed cleaner says a prayer while dusting before a first service in her church in more than nine weeks.  President Cyril Ramaphosa gave places of worship across South Africa the greenlight to reopen from June 1 provided they could satisfy appropriate COVID-19 self-regulation measures.But few have done so to date, with many worshippers hesitant to return for fear of catching the coronavirus. last_img read more

$17b in Queensland homes were approved for foreign sales last year

first_img57-59 The Corso, Isle of Capri, sold for $15.5m this year to Chinese buyers.The figures saw the average value of established homes foreign buyers were targeting remain somewhat steady at just over $740,000 ($769,000 previously).FIRB said 13 per cent of complaints about foreign purchases of residential real estate involved Queensland property, compared to 47 per cent out from Victoria and 33 per cent NSW.It found 223 properties valued at $304.8m were found to be in breach of foreign investment rules, with owners fined over half a million dollars in total. This Hope Island mansion called Sails sold to a Chinese buyer for $11m this year. Picture: Supplied.More from newsMould, age, not enough to stop 17 bidders fighting for this home5 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor5 hours agoOver $530m worth of Queensland approvals were granted to foreigners buying established properties, a figure which has dropped 33 per cent over the previous financial year.“The decrease can be attributed to a range of reasons including housing market conditions, state and territory policy changes, a shift to investment in new dwellings, and the introduction of fees and processing changes,” the FIRB annual report said.It said established homes could generally “only be purchased by temporary residents for use as their home while they remain in Australia” though a “small number” were allowed to buy homes to house Australian-based workers. 159 Hedges Ave, Mermaid Beach, sold for $13.25m this year to Chinese buyers.New residential real estate made up the vast majority of the approvals granted last financial year – valued at $16.36b – with developers and off the plan approvals making up the bulk ($13.15b), followed by individuals buying new dwellings ($2.55b), those buying vacant land (over $470m) and buyers looking at redevelopment of existing properties ($150m).Chinese buyers continued to top the list of foreign investment approvals in Australia’s real estate sector, with a 31 per cent rise in the value of their approvals over the financial year. The United States, the Netherlands, Canada and the United Arab Emirates were also in the mix.center_img 18-20 Southern Cross Drive, Cronin Island, is among homes sold this year to Chinese buyers at $11m.FOREIGN buyers were given the green light to buy just short of $17 billion worth of Queensland homes last financial year, a massive 62 per cent surge.Latest Foreign Investment Review Board figures show foreign buyers were given permission to invest in $16.9 billion worth of residential real estate across the state, up from $10.4b the previous year.The FIRB approved over 6,700 applications for Queensland property deals, a 33 per cent jump in the year, with the data also showing a 20 per cent rise in the average value of those residential investments to $2.5m.last_img read more

Palm Cove property with view to Coral Sea for sale

first_imgViews for days.More from newsCairns home ticks popular internet search terms2 days agoTen auction results from ‘active’ weekend in Cairns2 days ago“Set directly behind Palm Cove from an elevated position with amazing uninterrupted views through from Double Island to the Coral Sea, the upper level features two separate pavilion style bedrooms as well,” he said. “The main suite is elegant and built with space and style in mind. It also comes with your own cinema.“The home has a separate home-theatre that even Steven Spielberg would be impressed with.”The award-winning five-bedroom, four-bathroom Foley Rd house is only a few minutes drive from beach and cafes and restaurants of fabulous Palm Cove.Built with entertaining in mind there is a well-equipped kitchen inside and an outdoor poolside bar built around high ceilings, breezeways and decking. 9/63 Foley Rd, Palm Cove is on the market.On the market with Ray White Port Douglas’ Jason Monk and Mark Flinn, this home is set on 2590sq m and sprawls over two levels including a separate guest wing on the lower level. Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 0:55Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:55 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenIslands for sale around Australia00:55THIS slice of Far North paradise will mean your guest bedrooms will never be empty. One of the property’s four bathrooms.A 10 kW solar power system with battery back up which means minimal power bills and the private gated estate has only nine properties.The home is on the market with a price tag of $2.5m.More details here.last_img read more

Anjorin wins new contract at Chelsea

first_imgTino Anjorin has won a new contract at Chelsea. Anjorin Sky Sports says Chelsea are set to announce that Anjorin has signed a new long-term deal. Blues boss Frank Lampard handed Anjorin his first Premier League appearance in March’s 4-0 win over Everton.Advertisement The manager has fought hard to keep him at Stamford Bridge. read also:Tino Anjorin agrees long-term deal with Chelsea Both Manchester clubs, Liverpool, Arsenal and Dortmund had all been monitoring the 18-year-old midfielder, who joined Chelsea as an Under-7. FacebookTwitterWhatsAppEmail分享 Loading…last_img

Saido Berahino could start for West Brom as Tony Pulis notes better behaviour

first_img The striker could now start against Stoke on Saturday after Pulis claimed he was lucky to be on the bench for Monday’s 1-0 win over Newcastle. He was a substitute for the eighth straight game as Pulis hinted at behind-the-scenes troubles. Any deal will have to be significantly better business for the Baggies with the previous bids based around clauses and Tottenham’s final amount rising to £23million in several stages. And Pulis reiterated Albion’s stance on selling the 22-year-old. “I was asked that question two (transfer) windows ago and I said exactly the same,” he told a press conference. “The club would love to keep him.” Salomon Rondon and James McClean remain banned for the Baggies and the club will assess Jonas Olsson and Victor Anichebe (both hamstring) ahead of the visit of Stoke. Press Association Berahino’s time-keeping is understood to have been a problem in the past and it has been his general attitude which Pulis has taken issue with, not any specific flashpoint, but the boss has drawn a line under it. “It’s got nothing to do with anybody apart from me and Saido,” Pulis said. “He’s trained well this week, he’s been in on time and he’s done everything that everyone else has done. “He just lapses, it’s not because he’s a bad lad or anything. It’s just the way he is, it’s just him growing up and recognising it’s about the group, about the team, and the football club. “That’s all done and dusted, we’ve moved on from that. “The kid came on and did really well for 30 minutes (against Newcastle) and he’s got a great chance of playing on Saturday.” Berahino has scored just three goals this season after threatening to strike on deadline day when the Baggies rejected two bids from Tottenham. West Brom are braced for further interest from Spurs in the transfer window after they rejected four offers in total in the summer. West Brom boss Tony Pulis insists Saido Berahino has improved his behaviour after he was warned about his attitude.last_img read more

Sports News Jasprit Bumrah’s bowling action a hit in Pakistan – Here is proof

first_imgNew Delhi: Jasprit Bumrah has been India’s best death bowlers in the last couple of years. Armed with an unorthodox action, the Gujarat pacer has been sensational for Virat Kohli’s side delivering yorkers and deceptive slower balls at will.  Also Read | Pakistan’s warning to India on Indus Waters Treaty: Will trap you in your own bluffNot surprisingly, Bumrah’s action is a hit in Pakistan, a country that has produced quality fast bowlers for several decades. A video shared by Pakistan Twitter user Umair Afridi (@afridiomair) shows a young five-year old kid copying Bumrah’s action very effectively.  Bumrah made his ODI and T20I debut during India’s tour to Australia in 2016. Having lost their first four ODIs, Bumrah made his debut in Sydney and bowled wonderfully to help India salvage some pride. His death bowling skills, honed for many years while playing for Mumbai Indians in the IPL, helped India whitewash Australia 3-0 in the Twenty20 International series.  Read | Indian cricket team all set to join elite league in ODIsIn Tests, Bumrah made his debut in the South Africa series in 2018 and has proven to be a revelation, playing key roles in India’s wins in Johannesburg and Trent Bridge. Replying to the Tweet, Bumrah said he felt on top of the world that someone was copying his action.  center_img For all the Latest Sports News News, Download News Nation Android and iOS Mobile Apps.last_img read more

Rain puts halt on Guyana NRA 150th Shoot

first_img-three Guyanese into the final roundTHREE Guyanese are into the final round of the Guyana National Rifle Association (NRA) 150th Anniversary shoot after yesterday’s rivalry at the Timehri Rifle ranges.However, rain put a damper on the final two ranges, the 900 and 1000.At the end of the three ranges, Jack Alexander of Ireland leads with 103 point and 12 V’s, as he beat out Andrew Paul William Daw of England on a countback.Local rifleman Lennox Brathwaite with 103 points and 7V’s picked up third place after a countback with the Falkland Islands’ Trevor James Bryan and Alexander Gill of Ireland, both scoring the same.The other Guyanese in the shoot is Fullbore Captain Mahendra Persaud with 100 and 4V’s and vice-Captain Dylan Fields 99 and 6V’s At the 300 yard ranges, Brathwaithe posted a 34 and 5V’s with Alexander scoring a 35 and 4V’s, with Persaud shooting a 33 and 2 Vs and Fields marking a 33 and 1 V.At the 500 range, it was again Jack with a 35 and 5 V’s with Brathwaithe again hot on his tail with a 35 and 3 V’s. Persaud shot a 34 with 1V with Fields marking a 33 and 3 VsAt the 600, Alexander dropped two points off a possible 35 to post a 33 with 3 V’s with Brathwaithe hitting a 34 and 1 V to close off the day.Shortly after lunch, the heavens opened up and it was the end of the day’s proceedings.Today will be the  meeting of the West Indies FullBore Council with shooting resuming  on Saturday with the Milex Cup. Following the conclusion of that cup, the Guyana NRA 150th Shoot will conclude.last_img read more

United Come from Two Goals Down to Beat Newcastle 3-2

first_imgThe hosts spurned a couple of great chances before Juan Mata netted a beautiful free-kick on 70 minutes and Anthony Martial levelled matters on 76 minutes after a lovely move involving Pogba.With the clock ticking down, substitute Sanchez made the winning contribution as he nodded home from Ashley Young’s cross in the final minute of normal time to seal a dramatic three points for United – and perhaps save the job of their manager.Football journalists everywhere must have been writing their obituary to Mourinho as Manchester United manager at the half-time break. His team was hopeless, the Portuguese looked like a beaten man.However, he delivered the team-talk of his life and his team delivered. Any argument that the players don’t want to play for the 55-year-old was defeated, as United produced a stirring comeback. The last 20 minutes was almost like a tribute to Sir Alex Ferguson and how his teams used to play at Old Trafford. Various reports suggest Mourinho would be sacked post-match, no matter the result. It would take a very brave person to fire him after this.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram Alexis Sanchez scored a dramatic late, late winner as Manchester United yesterday came from two goals behind to complete a thrilling 3-2 victory over Newcastle United at Old Trafford.Amid speculation that Jose Mourinho is set to be sacked by the board anytime soon, United made a horrific start as goals from Kenedy on seven minutes and Yoshinori Muto three minutes later put the visitors two goals clear.After witnessing one of the worst first-half performances at Old Trafford in recent history, Mourinho changed to a back-three at the break, with Paul Pogba placed at the heart of defence. And the response was immediate.last_img read more