4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The new year is often a time of planning for growth in the coming year. It’s a milestone that provides reflection on the previous year’s activities, and can set the course for the year to come. If one of your credit union’s goals for 2016 is to grow membership, or grow member engagement, marketing may be an area of increased efforts.Given the obvious visibility of effective marketing, it is important to ensure that materials are compliant. While a loan or deposit transaction may only impact a particular member, the hope is that hundreds or thousands (maybe more!) individuals will view the marketing material your credit union produces. Among those individuals with eyes on your promotional material may be the examiners set to arrive at your credit union during the year. continue reading »
Published on September 26, 2018 at 3:47 pm Contact Billy: firstname.lastname@example.org | @Wheyen3 A few of the best teams in Section III kept crawling up the rankings as a new week’s state poll came out on Wednesday morning, voted on by the New York State Sportswriters Association.In Class AA, Cicero-North Syracuse (4-0) moved up to No. 6 in the state. The one-spot advancement comes after a win over state honorable mention Fayetteville-Manlius. Corcoran fell out of the state rankings after being ranked in each of the first two polls.Class A’s Section III representatives remained the same for the third-straight week. Whitesboro (4-0), the three-time defending sectional champ, moved up a spot to No. 10. Indian River (4-0) jumped two spots to No. 14. Those two teams don’t face off in the regular season.The highest-ranked Section III team comes in Class B: Skaneateles (4-0) moved up a spot to rank No. 2 in the state. The Lakers sit only behind Chenango Forks of Section IV, one of New York’s storied programs with five state titles. Vernon-Verona-Sherrill (4-0) ranks at No. 20 in the state in Class B, up two spots, and Cazenovia (3-1) fell two spots after its first loss of the season.General Brown (4-0) sticks at No. 5 in Class C for the third-straight week. Canastota (4-0), Utica Notre Dame (4-0) and Lowville (4-0) all maintained their spots in the poll, ranking at Nos. 8, 11 and 18, respectively. Mount Markham fell out of the rankings after dropping to 2-2 on the season.AdvertisementThis is placeholder textAfter losing for the first time this season, Beaver River (3-1) fell out of the Class D state ranks. Herkimer (3-1) dropped one place to No. 10. Two new Section III teams entered the Class D state ranks: No. 6 Frankfort-Schuyler (3-1) and No. 8 Dolgeville (2-1).The writers aren’t ranking eight-man football teams, but did list the remaining undefeateds. In Section III, there are four: Bishop Grimes, Altmar-Parish-Williamstown, South Lewis and Weedsport, all at 2-0. Comments Facebook Twitter Google+
The Airbus A340-600 will be used by SAA for the long-haul flight to New York. (Image: Flickr) South African Airways (SAA) passengers will soon be able to fly non-stop to New York – a move that will also ensure faster and more efficient transfer to other popular US destinations. This comes after SAA released an enhanced flight schedule on 26 January 2011. Passengers will have more seats to choose from on the New York route thanks to a bigger aircraft, as well as more seats on flights to destinations in Africa.The revised New York schedule will be effective from 1 May this year.SAA general manager Theunis Potgieter said: “From 1 May 2011 we will offer our customers the convenience of flying non-stop between Johannesburg and New York. Our non-stop flights will allow a full day in Johannesburg with an early morning arrival in New York.“The reduced travel time results in fast and efficient connections to several key US destinations such as Boston, Chicago, Florida, California, as well as Canada and the Caribbean,” added Potgieter.The direct link will mean less travelling time for New York-bound SAA passengers, who currently have to stop in Dakar, Senegal, en route for the plane to refuel.“SAA now offers the fastest and most comfortable way to commute between Southern Africa and this major global hub. Travellers originating from other domestic points and Southern African countries like Namibia, Botswana, Mozambique, Angola, and Zambia – and as far north as Kenya and Tanzania – can now be in New York with a single, quick connection via Johannesburg,” said Potgieter.The non-stop flight will depart from OR Tambo International in Johannesburg at 8:35pm local time and arrive at JFK International Airport in New York at 6:40am, local time, the following day. The return flight from JFK departs at 11:15am, New York time, and arrives in Johannesburg at 8:40am.Marc Cavaliere, SAA executive vice-president in North America, said: “Travellers have told us that they truly value SAA’s morning non-stop service from JFK and the range of excellent, same-day connection opportunities it affords to more than 40 destinations in Africa.“But they’ve also expressed that they would love it even more if our return flight also operated non-stop. We’ve answered their calls, and are pleased to announce a return non-stop flight to New York.”SAA will use an Airbus 340-600 for the direct flight.Other routes hot up tooUsing an Airbus 340-600 will also enable SAA to grow passenger numbers on African routes, including Kenya and Namibia.From 27 February, the airline will be able to take 3 500 passengers to Nairobi, Kenya, each week as opposed to 2 918 – the volume allowance at the moment.From 27 March, it will also increase the number of seats from 5830 to 6 746 on seven of its 20 weekly flights to and from Windhoek, Namibia.This will enable more passengers to get from Windhoek to Johannesburg each week to catch connecting flights to Frankfurt, Munich, London and New York.Leading aeronautics manufacturerAirbus has been one of the world’s leading aircraft manufacturers for the past 40 years, after its establishment in 1970.At 75m, the Airbus 340-600 is the longest such model in operation. With three passenger classes it can hold 360 commuters, while a two-class layout can accommodate 419.It is expertly designed to fly longer distances of up to 7 900 nautical miles.SA’s national carrierSAA has become one of Africa’s leading passenger carriers over the years. It began operations on 1 February 1934 after the government of the time took over the assets and liabilities of Union Airways, renaming it SAA.In the 1940s, SAA revolutionised air travel in South Africa by introducing cabin crew on domestic flights and movies on direct flights between Johannesburg and Cape Town.SAA’s cadet training programme – which has been running since the 1990s – enables previously disadvantaged South Africans to train as pilots, ensuring all crew on all flights reflect the unique diversity of the nation.
The invitation was too cool to be real: My name was somehow on a list of “experts” who were invited to take part in a Building America Water Heater Expert Session on combo systems. The invite noted that the session was to be the day before Joe Lstiburek’s Building Science Summer Camp, and “it is expected that the information obtained will lend itself toward the eventual production of a guide for the best practice application of combination space and domestic water heating systems for new and retrofit residential construction.”I noticed a heavy representation of tankless water heater manufacturers, as well as researchers and giants of the industry Gary Klein and Larry Weingarten. Martin Holladay was invited as designated skeptic and naysayer, a role he served vigorously.Needless to say, I got there an hour earlyTo get us started, Hugh Magande from Rinnai ran us through the ignition sequence of the Rinnai condensing and modulating domestic water heater and discussed improvements they have made to shorten it, especially on re-starts after a brief off cycle, to reduce the “cold water sandwich” problem.Originally the systems required a ten-second cold fan run to clear any residual propane from the combustion chamber and “prove draft” before starting the ignition sequence. Rinnai has reduced this time; the new range is from 10 seconds to as low as 2 seconds to cold start and shorter for re-start after short off periods (short bursts of hot water in close sequence). Stuff I Learned at Joe Lstiburek’s House, Part 2Using a Tankless Water Heater for Space HeatStorage vs. Tankless Water Heaters RELATED ARTICLES Rinnai has responded to the new ultra-low-flow faucets by dropping the low-flow limit from .7 to .4 gpm for cold start and .2 gpm for re-start, but with less than .3 triggering the shutdown. Once first burn is proved, the two central gas valves ignite and, if water doesn’t come up to temperature, two more light, then two more. Water is heated to as high as 180°F and then mixed down to the set-point by a computerized mixing valve.Setting the water temperature too cold can cause low-flame issues, so a 140°F set-point leads to the cleanest burn. Cooler intake water is directly related to better energy efficiency. At 100°F the water heater has an efficiency of 91%; at 110°F that drops to 89%, at 120°F only 88%, and at 130°F intake water it drops it to 86%.Of course, a few years ago we considered 86% efficiency to be pretty darn good, but these days we’re seeking durability and low first cost at 90% efficiency — plus the capacity to provide both domestic hot water and space heating.What could possibly go wrong with tankless water heaters?Martin Thomas from NRC (Natural Resources Canada) shared photos of tankless water heaters hooked up to small electric water heaters used as tempering tanks which provide hot water to fan-coil units for forced-air heating systems.Thomas discussed the problems encountered in these systems: reduced tankless water heater efficiency and perpetually clogged intake filters. Running the tempering loop off the tank bottom at 110°F gives limited opportunity for condensation, but as soon as the water leaving the bottom of the tank exceeds 120°F, you no longer have a condensing water heater. Worse, the warmer water makes the modulating water heater turn down to its lowest setting which, like running a car at 15 miles an hour, further reduces the efficiency of the unit.People in the audience spoke of measuring the efficiency of on-demand water heaters at about 50% when choked down in this fashion. I have certainly witnessed this problem, as well as soot build-up on heat exchangers when burning propane this way. So if you’re running a tankless water heater to maintain heat on a tempering tank for use in a radiant floor, you won’t get any benefit from using a modulating unit and very little from using a condensing unit.Non-modulating units are cheaperThe folks from Bosch were very quick to note that their units are non-modulating (and most of them are non-condensing and sell in big box stores for around $600). Here I was installing the best Rinnai and Quietside units and I would have been better off with the inexpensive Bosch from Home Depot, which would probably have allowed me to size the recirculation pump down to a Taco 006 (instead of the more expensive Taco 009s we’ve been using).Dave Hammond from A.O. Smith spoke about using a fast-acting probe-type thermistor rather than the surface-mounted aquastat typically found on the electric tank water heaters to activate and shut down the recharge pump more quickly, improving system efficiency by reducing recharge time.A casual side comment made me go “Ah ha!” — when someone spoke of wrapping thermistors in electrical tape to “prevent those problems you get when you have metal-to-metal contact with thermistors.” I’ve sure seen the problem, but never realized the solution was so simple.Rolling the tank stings two waysThe clogged intake filter problem seems to be related to debris coming from the anode rod. The problem is exacerbated by tank turbulence (AKA “rolling the tank” — when incoming water creates a current that sends hot water to the bottom of the tank and pushes cold water and sediment to the top). So using a smaller pump with a shorter run-time could reduce tank turbulence and help solve this problem.I spoke about returning the water to the tempering tank using a horizontally mounted perforated “solar” dip tube to diffuse the flow and layer the hottest water into the top of the tank, to press the coldest water from the bottom of the tank to the tankless water heater.The folks from Bosch proposed that plumbers just remove the filter after two months of operation, as their equipment only needs the filter in long enough to keep any teflon tape and pipe dope from jamming the flow. However, the Rinnai and Navien reps at the meeting didn’t jump on that bandwagon.It’s Larry Weingarten’s turnLarry Weingarten from Water Heater Rescue spoke of using a J-shaped cold-water dip tube to push debris up against the drain port, facilitating tank cleaning during maintenance.Combined heat and hot water systems increase tank cycling and accelerate aging, so tank durability is an important part of this discussion. Weingarten stimulated a glorious conversation with graphic photos of tank failures and premature anode-rod decay. He proposed the idea of buying souped-up electrically powered anode rods and avoiding soft aluminum anode rods, and he explained how to tell the difference between magnesium and aluminum anode rods by looking for a bump on the nut (bump good, flatness bad).Larry also sold me on using plastic-lined steel nipples to minimize corrosion in the transition between glass-lined steel tanks and brass or copper fittings. He also made a convincing argument to replace the plastic drain port at the bottom of the tank with a proper 3/4-inch ball valve and to take the time every year to flush the corrosive sediment.The low flow rates of modern WaterSense-listed fixtures has created problems with tankless water heaters that tempering tanks can help address. Larry led a discussion on faucet aerator designs, citing Brycor and Neoperl. You can open up your design choices in faucet selection and just swap out the aerators — the low-flow ones are even helpfully made from green plastic, so the green building rater can verify the swap. We also discussed the pressure drop of different tankless water heaters, noting that the same flow from a Taco 009 pump on a Rinnai would require a Taco 013 in a Navien.A vote for simplificationMartin Holladay pointed out (vigorously) that we were all going around our elbows to get to our thumbs, by designing and fine-tuning these complex systems when we should just give up and admit that we need one appliance to heat domestic hot water and another to heat the home. (My lead plumber, Matt McDonald, points this out to me on a regular basis, much to my annoyance.) He also noted that most of the suggested modifications to tankless water heaters used for space heating — adding a storage tank, a huge intake filter, and a circulating pump, for example — complicated the systems in the effort to restore the advantages of a cheaper tank-style heater.Martin loves wood stoves, solar water heaters, and wall-hung minisplit heat pumps, but he has a point. From my perspective, I just can’t imagine building a passive solar house without a well insulated slab floor, and I can’t imagine skipping the opportunity to put radiant piping in a slab and heating it with a water heater, especially with a solar tie-in.Someone in the audience pointed out that A.O. Smith makes the Vertex condensing tank-type water heater that doesn’t cost much more than a good condensing tankless water heater, and solves many of the problems of marrying a tankless to a tempering tank. The Vertex still hits condensing efficiencies when supplying heat and hot water (or in a radiant floor application). Up to now, condensing tank-type water heaters like Triangle Tube, Polaris, and Phoenix have been much more expensive than condensing tankless water heaters, but it appears that the Vertex at least is competitive with all but the Bosch, which appears to be what we should have been using all along.Problematical standards, againThe discussion then degraded to raging against the test standards by which these devices are rated. Most excoriated was the ASHRAE 124-2007, “Combined Heat and Hot Water Annual Efficiency Test Standard,” which prescribes supply and return temperatures which may not be the temperatures your equipment is designed for, and further requires that all “smart controls” be disabled prior to testing the equipment. The test gives no way to assess the real-world performance of a system with advanced electronic optimization.Slightly less vitriol was directed at the Canadian CSA P.9-2011 standard, and mention was made of a new ASHRAE 206 standard for heat-pump water heaters.I inserted my foot in my mouth by kvetching about how our local HVAC contractors have taken radiant heating away from the plumbers here in North Carolina through activism with their licensing board. My comment fired up the HVAC contractors in the back of the room, who took exception to my complaint. I countered that profiteering by the HVAC industry is slowing the acceptance of minisplit wall-hung heat pumps, because folks who sell ducted heat seek higher markups from systems that are ductless.We agreed to revisit it at the club house, and eventually all ended well. Last year I ticked off the spray foam industry by bringing up the halogenated flame retardant issue; this year I ticked off the HVAC guys. Joe says I’m not off the list so far, so I’ll see who I aggravate next year.The elephant in the roomWe are all expecting the manufacturers who are putting out these tank-top heat pump water heaters to come out with minisplit versions, where the compressor is located outdoors and doesn’t heat your water by cooling the air that has just been heated by your furnace, but instead harvests heat from outside the house. I assume that they are still working out the issues of stripping the heat off the coil efficiently, and I hope that they will get these products on the market soon.At this point the Daikin Altherma, Multi Aqua, Space Pak, Unichiller RC, and Aqua Products reverse-cycle chillers are too multi-purpose and expensive to economically serve the simple need to heat a tank of water with a recharge rate of 60 to 140 kBTUh (the typical range for combined heat and hot water systems). Most of these are designed to provide both modulating heat and cooling to fan-coils in forced-air applications.We need to see a convergence of these technologies, and I think a lot of that innovation will come from the folks at the annual Westford Summer Camp.
Urging the people to ensure peace in the Darjeeling hills, West Bengal Chief Minister Mamata Banerjee on Tuesday inaugurated a two-day Hill Business Meet in Darjeeling. “You give us peace [in Darjeeling], we will give you prosperity,” the Chief Minister told the gathering which comprised a number of industrialists from Kolkata. Announcing a special incentive of ₹100 crore for the development of industry in the hills, she said: “The bandh in the hills had caused a ₹300-crore loss to the tea industry and about a ₹1000-crore loss to the entire economy of the hills.” Ms. Banerjee was referring to the 104-day-shutdown from July to September 2017, when the hills were on the boil over a violent agitation for creation of a separate State of Gorkhaland. During her inaugural address, Ms Banerjee kept referring to the need for peace and stability in the hills. “Please ensure that there is no violence, some individual leader can gain out of it but not the youths of the hills,” she said. The Chief Minister said other than tourism and tea there is lot of scope for horticulture and IT and software industry.Full cooperation “Let’s first make a start. Our government is fully ready to help you. I can also assure you on behalf of the industrialists that they will give you full cooperation,” she said.The idea of business summit in the hills was mooted by Gorkhaland Territorial Administration (GTA) chief Benoy Tamang. Mr. Tamang was appointed chief of GTA by Ms .Banerjee when GJM president Bimal Gurung resigned from the post.PTI adds: “Darjeeling is a part of West Bengal and will continue to remain so without being separated from it. I give more importance to Darjeeling than my own constituency and will continue to do this if I am ensured that peace would be maintained here,” Ms. Banerjee said.Apart from focusing on eco-tourism and adventure tourism, the GTA is identifying heritage sites which can be converted into effective tourism products, she said.The Chief Minister also said Kurseong will be developed as an education hub, while two IT hubs would come up in Kurseong and Mirik.
Dr. Clarke informed that 99 per cent of the loans secured from China on behalf of Jamaica are at fixed interest rates of two and three per cent, which “are among the lowest interest rates in our entire loan portfolio”. Finance and the Public Service Minister, Dr. the Hon. Nigel Clarke, says 90 per cent of outstanding debt to the Export-Import (EXIM) Bank of China will be repaid in 10 years.Dr. Clarke informed that 99 per cent of the loans secured from China on behalf of Jamaica are at fixed interest rates of two and three per cent, which “are among the lowest interest rates in our entire loan portfolio”.“Loans from China [also] represent a mere 3.9 per cent of the total $2-trillion debt of Jamaica. When you hear a loan being executed of (about) US$200 million from the China EXIM Bank, bearing in mind that at current exchange rates US$200 million is roughly $25 billion and then in a debt size of $2 trillion, it is just about one per cent,” he said.The Minister was speaking at LatinFinance’s third Caribbean Finance and Investment Forum, at The Jamaica Pegasus hotel in New Kingston on November 1.Dr. Clarke’s sentiments are consistent with those of Prime Minister, the Most Hon. Andrew Holness, who, a day before, noted that the loans secured on behalf of Jamaica are done at the best interest rates and that there is no need to fear Jamaica’s relationship with China.“I don’t think that there needs to be any fear-mongering. The Government of Jamaica has been very strategic and the sovereignty of Jamaica is always foremost in my mind. So when we engage, we engage with that as a non-negotiable part of the partnership,” Mr. Holness said.Meanwhile, Dr. Clarke assured the group of regional bankers and potential investors at LatinFinance’s forum that “there is no better place to invest than in Jamaica”.He noted that all the economic indicators suggest that the Jamaican economy “is stronger than it has ever been”.“We have inflation at record lows, but more important than being at record lows is that inflation has been stable over the past four years and is increasingly becoming predictable. On top of that, loan growth is increasing at accelerated levels… foreign direct investments have been steady and capital imports have increased by fivefold over the past six years,” he indicated.Dr. Clarke reiterated plans for the establishment of an independent fiscal council designed to strengthen Jamaica’s fiscal responsibility framework and the modernisation of the country’s central bank, the Bank of Jamaica.Hosted in partnership with the Ministry of Finance and the Public Service, LatinFinance’s third Caribbean Finance and Investment Forum brings together global banks and investors to lay out the road map towards achieving sustainable growth and investment.LatinFinance is the leading source of intelligence on the financial markets and economies of Latin America and the Caribbean.The entity’s Chief Executive Officer (CEO), Taimur Ahmad, acknowledged the ongoing growth in the Caribbean, which has “picked up in recent years, supporting the (existing) view that the region has finally turned the corner”.He said part of the aim of the forum is to explore the promise held by the region, which, he noted, is significant.Themes explored at the finance forum included exploring the new directions in the Caribbean economic outlook, understanding Caribbean fixed-income and Caribbean corporate finance and capital markets integration, among others. Story Highlights Finance and the Public Service Minister, Dr. the Hon. Nigel Clarke, says 90 per cent of outstanding debt to the Export-Import (EXIM) Bank of China will be repaid in 10 years. “Loans from China [also] represent a mere 3.9 per cent of the total $2-trillion debt of Jamaica. When you hear a loan being executed of (about) US$200 million from the China EXIM Bank, bearing in mind that at current exchange rates US$200 million is roughly $25 billion and then in a debt size of $2 trillion, it is just about one per cent,” he said.
Angel MooreAPTN NewsPictou Landing First Nation is counting down the days until Northern Pulp Mill can no longer dump toxins into Boat Harbour.That’s when the harbour will be re-named its original name – A’se’k – which means ‘the other room’,” said Chief Andrea Paul.The toxins released in the water by the Northern Pulp Mill killed fish and affected the culture and economy of the Nova Scotia community.“You know to live in an area where we are surrounded by water and to not have the same freedoms that our people did 52 years ago,” said Paul.Tracey Denny said people had to move away.“Once Boat Harbour came into effect and the effluent started coming over they just lost everything, and community members left the reserve because they felt there was even nothing more to stay,” said Denny.“And the only time they came back was in coffins.”A memorial wall with the names and photos of people who did not live to see this day are posted on the wall at the back of the school’s gym.“We have been going to the cemetery and we wrote down all community members who were living before 1967 which is when the treatment facility opened and who passed afterwards,” said Denny.“And the whole point is that they are going to be here with us in spirit.”Elders say they remember life before and after the harbour was polluted.Mary Nichols says her family lost their culture, their home, and they were displaced.“When our land got polluted, they just didn’t pollute the land; we we lost our way of life. I grew up in a time, I learned from my mom and after Boat Harbour happened, I couldn’t do the stuff she taught me,” she said.The community fought for years to stop Northern Pulp from dumping.Paul said she is confident the facility will finally be closed.“People are looking after the next seven generations,” said Paul. “They are making sure that all of this is protected and we are the rights holder – we are not a stakeholder – we are a rights holder.”Northern Pulp has said it needs more time to prepare for the closure.But Premier Stephen McNeil said there will be no extension.“The deadline is the deadline, it’s January 31st of 2020,” he said.“We gave them five years.”McNeil said if the mill refuses to stop dumping, the province will shut them down.“We will be shutting off the pipe, so we have the ability to close off that. They just won’t be putting it into Boat Harbour,” McNeil said.Northern Pulp proposed to dump its waste into the Northumberland Strait.That immediately drew protests on land and sea.The company said it has not yet found an alternative treatment email@example.com@angelharksen