Why you might need an overlap letter to expand

first_imgWhen considering a field of membership expansion, you may run into an overlap with another credit union’s field of membership. Depending upon your charter type, you may need to submit an overlap letter to the NCUA.Overlaps are permitted when the expansion’s beneficial impact on the convenience and needs of the proposed group outweighs any adverse effect on the overlapped credit union.The NCUA rules vary for different charter types and bonds. See how an overlap letter might affect your specific charter type:Community Charter: If you are a community credit union you are in luck! The NCUA  permits community credit unions to overlap any other charters without performing an overlap analysis. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Monday’s QPR quiz

first_imgWallow in the misery of QPR’s dismal results by recalling past unhappy memories and seeing how many of these five crisis-related questions you can answer correctly.[wp-simple-survey-69]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 Follow West London Sport on TwitterFind us on Facebooklast_img read more

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Safety considerations for community gardens and community supported agriculture

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Community gardens present unique safety and health hazards for garden staff and volunteers. Workers of all ages tend to these gardens, with various levels of knowledge, skills, and physical condition. For many volunteers, working in a community garden or on a community supported agriculture (CSA) farm, is their first experience with crop production or horticulture. Having awareness of the hazards and risk is not something they think about when they come to work. Educating the staff and volunteers on workplace safety, emergency action plans, and first aid is important for community garden owners and managers.Workplace safetyJust the physical environment itself on farms, gardens and greenhouses can have hazards that lead to injuries.Hand tools designed to cut, dig and prune do not discriminate between plant and soil, and human skin. Often times a good pair of gloves, close-toe shoes, and long sleeves/pants will protect the person from minor cuts and abrasions.Community gardens built on previous residential or industrial plots may have debris in the soil left behind by the previous owners; it is not uncommon to find scrap metal, nails, broken glass, and other discarded items on the property. Working on these newly developed sites may also require gloves, close-toe shoes, and long sleeves/pants to protect from cuts abrasions, and puncture wounds. Having a current vaccination for tetanus is a good idea as well.Some tasks using roto-tillers, electric pruners and chainsaws will require stronger protection like leather gloves and boots.Chemical handling will require rubber gloves, and possibly a rubber apron, rubber boots, and goggles (depending on the scope of the project, and the type of chemical being applied).Slips, trips and falls are common in garden and greenhouse environments. Uneven terrain, water hoses, garden tools, and equipment like pots, stakes, and harvest containers are often to blame. Persons with limited mobility or other handicaps may find it difficult to assess all areas of the greenhouse or garden plot.Common ergonomic issues affecting horticultural workers include repetitive motions and awkward posture. It is recommended to take regular stretch breaks or rotate between garden tasks that require long periods of the same activity in order to reduce muscle tension.Sun safety practices include wearing a hat with a 3-inch brim all the way around and lightweight clothing. These protect the skin from from UV exposure when sunscreen is not desirable. Emergency action plansBecause emergencies are unpredictable and can occur at anytime, including weather-related emergencies, it is important to have a pre-determined plan of action for all garden staff and volunteers to follow. Not all persons may be familiar with the community or know where to take shelter if a thunderstorm or weather event strikes.Posting a sign where to take shelter in the event of a weather-related emergency is important for staff, volunteers, and visitors. When there is no place to post the sign, and there is a small workforce (10 or fewer), it is possible to verbally give this information.Have emergency numbers posted for non-life threatening 911 emergencies. It is also recommended to post a number where a supervisor or property manager can be contacted. First aidBeing prepared for injuries is just as important as preventing injuries.Have a first aid kit available on-site, or possibly in a person’s vehicle, for treatment of injuries, insect stings, and heat/headache relief.Access to fresh water for drinking, hand-washing, and heat stress cool-down is recommended. Having staff and volunteers bring their own water when attending the gardens may be necessary in some locations. On-site water supplies collected from rooftops or rain barrels should not be assumed to be drinking quality; many contaminants can be present.Additional safety and health information, designed specifically for community gardens, greenhouses, small farms and community supported agriculture (CSA) land can be accessed on-line at: http://ohioline.osu.edu/topic/yard-and-garden.Additional planning guides for emergencies, including safety information for agritourism and outdoor community festivals or events, are available at https://u.osu.edu/agritourismready/. Dee Jepsen, Associate Professor for Agricultural Safety and Health, can be reached at 292-6008 or [email protected] Contributions from Andrea Costin, MPH, recently graduated from OSU where she conducted a research project on agricultural related injuries. This column is provided by the OSU Department of Food, Agricultural, and Biological Engineering.last_img read more

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2009 NTL – The time is near

first_imgThe 2009 X-Blades National Touch League commences shortly.Attached is an Expose on all the latest information, previews and photos of the Port Macquarie floods in February.Click on the attachment to download.Related Files2009_ntl_expose-pdflast_img

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a month agoSheffield Utd defender Basham: No intimidation facing Liverpool

first_imgSheffield Utd defender Basham: No intimidation facing Liverpoolby Paul Vegasa month agoSend to a friendShare the loveSheffield United defender Chris Basham insists there’s no intimidation facing Liverpool.Basham revealed Chris Wilder’s side believe they can shock the visitors by ending their eight month unbeaten run in the competition.Basham, a member of the squad which gained promotion last term, said: “We don’t get starry-eyed. “The Premier League is the hardest league in the world and teams get points off everybody. We have got to play our way as if we don’t, it could be a high score. Hopefully, we can get the result.”We can make little mistakes, but as long as no-one is getting on others backs. That is when the cracks start happening in a team. We are not like that, we are built on solid team foundations. We fancy ourselves for Liverpool.” About the authorPaul VegasShare the loveHave your saylast_img read more

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7 days agoWoodward: Man Utd board happy with squad ‘base’

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Woodward: Man Utd board happy with squad ‘base’by Paul Vegas7 days agoSend to a friendShare the loveManchester United vice-chairman Ed Woodward insists the board are happy with their transfer policy.United have restructured their recruitment department, adding 45 scouts since Sir Alex Ferguson retired, while greater forward planning means next summer’s transfer targets will be identified by January.If any of those targets become available in January, United will move for them, although there is an acknowledgment that the mid-season window is a notoriously difficult time in which to buy.“The changes we saw over the summer have resulted in a very young squad,” said Woodward.“But it’s also a squad, with the players and the culture, that provides a base camp for us to build and grow from as we start our new journey.” last_img read more

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Lindblad to Order New Polar Expedition Cruise Ship

first_imgzoomIllustration. Image Courtesy: Pixabay under CC0 Creative Commons license US-based cruise company Lindblad Expeditions Holdings has revealed its plans to place an order for a new polar expedition ship.The vessel, which is scheduled to be delivered in 2021, will be the fourth polar vessel in the Lindblad Expeditions-National Geographic fleet.It will join the company’s National Geographic Explorer and the National Geographic Orion, currently in operation, and the National Geographic Endurance, which is scheduled for delivery in early 2020.“We are extremely excited to announce the further expansion of our expedition fleet. This is the next step of our long-term growth strategy to capitalize on the expanding demand for high quality adventure travel,” Sven-Olof Lindblad, President and Chief Executive Officer, said.The newbuilding would represent the next phase of Lindblad’s fleet expansion following the launch of the National Geographic Quest in July 2017, the addition of the National Geographic Venture in December 2018 and the delivery of the National Geographic Endurance.last_img read more

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The Suns Courtney Williams Is Playing An OldSchool Midrange Game — And

Connecticut Sun head coach Curt Miller has an offensive philosophy built around making his players take the most efficient shot — typically chances around the rim or threes. The Sun, who face the Los Angeles Sparks in a best-of-five playoff semifinal matchup starting Tuesday, finished this season with the third-most efficient offense in the league after finishing atop the WNBA in 2018.Even so, Miller realized that it was a mistake to try to turn his energy ball of a combo guard, Courtney Williams, into a model of the efficiency revolution that has altered the league’s offensive topography. “When we first got her, we tried to have her drive it more,” Miller said. “But she’s so good at getting those, what we call tough twos, we have just let her be what she’s going to be.”In that way, Williams’s journey in Connecticut echoed the lessons she taught her college coach, Jose Fernandez of South Florida. “We told her, ‘Hey, get to the free-throw line more. You need to drive it more,’ Fernandez recalled. “But then, it was like … she just got where she got.”That’s the deceptive simplicity of Williams’s game. She lets it fly from the dreaded midrange more than anyone in the WNBA — a combined 249 attempts from 10 to 19 feet, including a league-high 145 from 15 to 19 feet out. Williams also led the league in attempts from 15 to 19 feet in 2018 and finished second in 2017 to Indiana Fever forward Candice Dupree.“I just do what I do,” Williams said. “I do what got me here. I feel like that midrange makes me stand out from other players.”The other team with a double-bye in the playoffs, the Washington Mystics, is led by Elena Delle Donne and her three- and rim-heavy 50-40-90 season. So it may seem quixotic that the Sun are trusting a 5-foot-8 volume shooter from a spot on the floor considered inefficient. But to this point, both her methods and her path are anything but haphazard.There’s an obvious WNBA comparison for what Williams is doing, and it’s one that she’s consciously tried to emulate: all-time great Cappie Pondexter.“Cappie is my favorite player because I see so much of myself in her,” Williams said. “Being our size, pull-ups, being a scorer, being able to score at all levels anywhere on the floor, tattoos, don’t really care what nobody got to say about us. That’s how we look.”The numbers reflect a close parallel between the two. Pondexter finished second in attempts from 15 to 19 feet in 2012, 2014, 2015 and 2016 and led the WNBA in 2013. Her teammates see Pondexter in Williams, too.“They’re really difficult to guard because they can score in all types of ways,” Sun point guard Jasmine Thomas said. “And they’re athletic. I think that’s the similarity that I see, that explosiveness, that confidence. I feel like most of us, we’ve got confidence, we didn’t get here by not being confident — but, it’s just like that swagger. Even if you miss four, five shots in a row, you know you got to make this sixth one.”All the long twos, incidentally, haven’t kept Connecticut from getting a disproportionate amount of its points from beyond the arc — 27.7 percent of them, good for third-best in the league in 2019, up slightly from last season’s 26.0 percent, which was fourth in the league. Instead, Thomas sees the Connecticut attack as improved by Williams’s ability to rise and fire from a spot that defenses might ignore.“There are shots to take that are hard shots to make consistently,” Thomas said. “And that is her game. If we can’t get layups, or if our three-ball isn’t falling down, we know that we can count on her to really take over a game and string together some shots. Even when you think she can’t get a shot off, she rises up over anybody and can shoot it.”That’s another aspect to her game that isn’t accidental. While her jump-shot form can seem like a cross between natural athleticism and an almost supernatural motion, it really comes from hundreds of hours in the South Florida gym, getting off shot attempts with then-assistant coach Wil Bateast.“He really just molded me,” Williams said. “He told me, ‘You just need to be great at one thing because when you get to that professional level, people are great at what they do. You need to be great at what you do.’”So the drills would commence, with Bateast — who Williams said is “6-5, maybe 6-6” — with a hand in her face. She had to make 10 in a row, or she had to run sprints, halfcourt and back, and start over.“Coming from the baseline and coming from halfcourt, coming from the sidelines,” Williams said. “Just anywhere on the court. You need to be able to get the shot off, it don’t matter where the defender is at. No matter how big, how tall, how small, how fast — you need to be able to get your shot off.”Williams continues to evolve as a player. This season, she posted an assist rate of 23.2 percent, the best of her career, along with a steal rate of 2.4 percent, good enough for 16th among 60 qualified WNBA guards. And she’s anything but a one-dimensional scorer, either, hitting 56.5 percent of her shots inside of 5 feet, more efficient than bigs like Crystal Langhorne of the Seattle Storm and Reshanda Gray of the New York Liberty. She’s also continued to improve her 3-point shooting, hitting 45.7 percent from beyond the arc this year.“There is still room for growth,” Miller said of Williams. “There are a lot of areas where she can continue to take that next step. And if she does that, she’s already one of the elite players in the league, [but] she truly has the potential to be a first-team All-WNBA-caliber player.”But Miller doesn’t intend to change that trajectory. He’s learned, just as Fernandez did before him and just as defenders all over the league have since: When she rises, Courtney Williams is going to do what she does. read more

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Deschamps Its a young team who are on the top of

first_imgAs France wins the 2018 World Cup, the second time after their 1998 win at their home soil, the coach Didier Deschamps who was a player in their 1998 win has claimed that their loss in the Euro 2016 final was a useful lesson ahead of Les Bleus’ run and eventual triumph at the 2018 World Cup.France beat Croatia 4-2 in Moscow to once again lift the highly competed trophy.“How marvellous! It’s a young team, who are on the top of the world,” Deschamps told reporters at full time quoted in Sports Mole.Euro 2020Report: Euro 2020 qualifying Group H George Patchias – September 11, 2019 Euro 2020 qualifying Group H is being controlled by France and Turkey, but Iceland is still in with a shout.Reigning world champions France ran…“Some are champions at the age of 19.“We did not play a huge game but we showed mental quality. And we scored four goals anyway. They deserved to win. The group worked so hard and we had some tough moments along the way. It hurt so much to lose the Euro two years ago, but it made us learn too.“The win is not about me, it’s the players who won the game. For 55 days, we have done a lot of work. It is the supreme coronation. We are proud to be French, to be Blues. The victory in the match belongs to them. Vive la Republique!”last_img read more

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