Community News Union Bank, American Heart Association Reveal Name and Design of Their 2016 Rose Parade Float From STAFF REPORTS Published on Tuesday, October 27, 2015 | 10:57 am Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Community News 4 recommended0 commentsShareShareTweetSharePin it More Cool Stuff Name (required) Mail (required) (not be published) Website First Heatwave Expected Next Week Herbeauty12 Most Breathtaking Trends In Fashion HistoryHerbeautyHerbeautyHerbeauty15 things only girls who live life to the maximum understandHerbeautyHerbeautyHerbeauty9 Of The Best Family Friendly Dog BreedsHerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeautyHerbeautyThe Most Heartwarming Moments Between Father And DaughterHerbeautyHerbeauty Make a comment Subscribe Your email address will not be published. Required fields are marked * Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Community News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Top of the News Business News faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Union of Hearts RenderingUnion Bank and the American Heart Association (AHA) Western States Affiliate announced today their premier float will be called “Union of Hearts.” The float will be a part of the world famous 2016 Rose Parade® presented by Honda. The name pays tribute to the 30-year collaboration between the bank and the AHA. For three decades, both have united in the fight against heart disease and stroke, the nation’s No. 1 and No. 5 killers of both men and women. Survivors of heart disease and stroke, heart health champions and AHA advocates each with unique, inspiring stories will ride on the float as it travels through Pasadena on New Year’s Day. It will be decorated with more than 15,000 flowers and will include a daytime fireworks display. Phoenix Decorating Company will design and build the float that will stand 25 feet high, 18 feet wide and 55 feet long and is estimated to weigh 25,000 pounds.To add to the celebration, the familiar song by the Bee Gees,“Stayin’ Alive,” will be playing in the background. As the lyrics appropriately point out, “whether you’re a brother or whether you’re a mother, you’re stayin’ alive, stayin’ alive.” The tune aligns with Union Bank and the AHA’s mission to save lives by reducing the number of deaths attributed to heart disease and stroke. Furthermore, the AHA often uses the tempo of the song to teach people the correct rate of chest compressions when performing CPR. Studies show that when CPR training uses this song to teach the technique, people are more likely to remember the correct rhythm and feel more confident performing the life-saving skill.For 30 years, Union Bank has been completely engaged in multiple aspects of the AHA’s work, including fundraising, education, volunteer leadership, employee involvement and health messaging. In the last eight years alone, the bank’s employees and clients have donated nearly $7 million in support of the AHA’s critical research, education, and prevention programs.Union Bank’s support for the AHA is one facet of its broader commitment to community reinvestment throughout the areas where it operates. Last year, Union Bank contributed more than $13.7 million in charitable contributions to a wide range of non-profit organizations, and its employees donated nearly 75,000 hours of volunteer time to make a difference in their communities.“We are truly excited to participate in the parade and all the tradition and pageantry that it has come to represent. This latest manifestation of our long-standing relationship with the AHA speaks directly to the heart of our mission to empower men and women to live longer, healthier lives free of cardiovascular disease and stroke,” said Pierre Habis, head of the Consumer and Business Bank for Union Bank.“We are honored to join Union Bank at the Tournament of Roses in celebration of three decades of collaboration to save lives and create a culture of health in our communities. Our alliance has made a huge impact through critical research funding and community outreach. We look forward to beginning our 30th year by bringing a healthy message to the millions of people who watch the Rose Parade,” said Kathy Rogers, Executive Vice President for the American Heart Association Western States Affiliate.The 127th annual Rose Parade will take place on New Year’s Day 2016 in Pasadena, California. Originally started on January 1, 1890, the event is produced by the non-profit Tournament of Roses Association. The Rose Parade is an integral part of America’s New Year Celebration® and includes decorative floats, marching bands, and equestrian units. This year’s theme grew out of the unique partnership between the Pasadena Tournament of Roses and the National Park Service.About the Tournament of Roses®The Tournament of Roses is a volunteer organization that annually hosts the Rose Parade®, the Rose Bowl Game® and a variety of associated events. Nine hundred thirty-five volunteer members act as ambassadors of the organization and contribute upwards of 80,000 hours of manpower each year. The 127th Rose Parade presented by Honda and themed “Find Your Adventure,” will take place Friday, January 1, 2016, followed by the 102nd Rose Bowl Game presented by Northwestern Mutual. Learn more at www.tournamentofroses.com and on Facebook, Twitter, Instagram and YouTube.About the American Heart AssociationThe American Heart Association is devoted to saving people from heart disease and stroke – the two leading causes of death in the world. We team with millions of volunteers to fund innovative research, fight for stronger public health policies, and provide lifesaving tools and information to prevent and treat these diseases. The association is the nation’s oldest and largest voluntary organization dedicated to fighting heart disease and stroke. To learn more or to get involved, call 1-800-AHA-USA1, visit heart.org or call any of our offices around the country. Follow us on Facebook and Twitter.About MUFG Union Bank, N.A.MUFG Union Bank, N.A., is a full-service bank with offices across the United States. We provide a wide spectrum of corporate, commercial and retail banking and wealth management solutions to meet the needs of customers. We also offer an extensive portfolio of value-added solutions for customers, including investment banking, personal and corporate trust, global custody, transaction banking, capital markets, and other services. With assets of $114.3 billion, as of September 30, 2015, MUFG Union Bank has strong capital reserves, credit ratings and capital ratios relative to peer banks. MUFG Union Bank is a proud member of the Mitsubishi UFJ Financial Group (NYSE: MTU), one of the world’s largest financial organizations with total assets of approximately ¥284.9 trillion (JPY) or $2.3 trillion (USD)¹, as of June 30, 2015. The corporate headquarters (principal executive office) for MUFG Americas Holdings Corporation, which is the financial holding company and MUFG Union Bank, is in New York City. The main banking office of MUFG Union Bank is in San Francisco, California. Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
Affordability Single-Family Rentals Steve Guggenmos 2019-01-02 Donna Joseph Spotlight on Single-Family Rentals Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Donna Joseph is a Dallas-based writer who covers technology, HR best practices, and a mix of lifestyle topics. She is a seasoned PR professional with an extensive background in content creation and corporate communications. Joseph holds a B.A. in Sociology and M.A. in Mass Communication, both from the University of Bangalore, India. She is currently working on two books, both dealing with women-centric issues prevalent in oppressive as well as progressive societies. She can be reached at [email protected] Sign up for DS News Daily Share Save Demand Propels Home Prices Upward 2 days ago Single Family Rentals (SFRs) are the largest source of rental housing in America, especially in rural areas where they account for two-thirds of the rental housing stock, according to a Freddie Mac white paper titled “Single Family Rental: An Evolving Market.” SFRs provide housing to 25 million Americans and is valued at more than $4 trillion. Apart from the select few institutional investors with access to capital markets, the secondary market opportunities for SFR loans are limited, according to Freddie Mac.Secondary market opportunities for SFR loans are limited. Apart from these select few institutional investors with access to the capital markets, there are limited secondary market opportunities for SFR loans with middle-tier investors that would provide liquidity and stability. The paper also stated that there is no uniform set of terms and credit standards for loans on SFRs. Steve Guggenmos, VP of Multifamily Research & Modeling at Freddie Mac said, “Freddie Mac’s pilot program in this space sought to demonstrate how secondary market infrastructure focused on SFRs might benefit the marketplace.” He also noted that the single-family rental market assumes great significance as data reveals it to be an “affordable housing option for many American families.” The growth of SFRs is also driven in part by difficulties in achieving homeownership, according to the paper. Among survey respondents who planned to purchase a home within the next five years, the financial requirements of purchasing a home such as down payment and a sufficient credit score were cited as primary concerns. SFRs allowed these aspiring homeowners to pursue single-family living either in the interim or longer term. The key findings of the paper found that SFR makes up about half of the overall rental market—the single largest segment of the rental market by valuation and households served. An overwhelming majority of rentals in the SFR space is owned and operated by individuals or very small investors. The middle-tier market, on the other hand, is a slow-growing investor market with further potential for growth. Large-scale institutional investors constitute only approximately 1 percent of SFRs, as they are still new to the market.The paper also indicated that out of the 22.6 million renter households living in SFRs, about five million live in rural areas, while 17.6 million live in non-rural areas—comprising 66 percent of the stock. According to Freddie Mac, this speaks to the importance of this form of rental, meeting the needs of rural residents. Conversely, SFRs are also an important part of the rental market for households living in Areas of Concentrated Poverty (ACP). In non-rural markets, where there is a greater concentration of homes, more middle-tier and institutional involvement was recorded at 4.8 percent of properties associated with portfolio sizes 51 to 2,000 properties and 1.6 percent in portfolios with greater than 2,000 properties— leaving 93.6 percent of the properties in small and very small portfolios. Read the full report here.Focusing on how to build, manage and grow investment opportunities, 2019 will see an array of housing and mortgage professionals come together at The Guest House of Graceland, Memphis, Tennessee between March 11-13 for the Single Family Rental Summit. The Summit will feature subject-matter experts who will answer questions and offer viable solutions related to property management, acquisition, disposition, and financing. Click here to register for the summit. Home / Daily Dose / Spotlight on Single-Family Rentals About Author: Donna Joseph The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: Housing Finance in 2019 Next: Top 10 Housing Markets Poised for Growth January 2, 2019 2,499 Views The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Tagged with: Affordability Single-Family Rentals Steve Guggenmos Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Market Studies, News, Servicing Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago
Twitter By News Highland – September 19, 2018 Google+ WhatsApp Facebook Storm Ali: Fallen trees and power outages reported in Donegal Pinterest Arranmore progress and potential flagged as population grows Twitter Thousands of homes and businesses across the country have been left without power due to the Storm Ali which is making its way across the country this morning.Meanwhile Gardai in Letterkenny says there’s a tree down on the Convoy Road just outside Castlefinn, the road is blocked with motorists advised to drive with care.A fallen tree has partially blocked the road between Castlefinn and lifford but that road is still passable.There’s a pole down with broken cables on the Donegal Town side of Pettigo.A large tree has fallen on the Ballyarr Bridge road at the turn off for Milford.There’s a tree down on the Moville road at Norrets farm – road currently blocked.The Foyle Bridge in Derry is closed due to adverse weather conditions. Motorists have been advised to seek alternative routes.Arwen Foley from AA Roadwatch has this advice for drivers:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2018/09/rofgfgfads.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Google+ Community Enhancement Programme open for applications AudioHomepage BannerNews Loganair’s new Derry – Liverpool air service takes off from CODA Previous article20 people awaiting admission to LUHNext articleMagee’s suffer first round exit in China News Highland RELATED ARTICLESMORE FROM AUTHOR Facebook WhatsApp Nine til Noon Show – Listen back to Monday’s Programme Pinterest News, Sport and Obituaries on Monday May 24th Important message for people attending LUH’s INR clinic
Nick Cammett/Diamond Images/Getty Images(OVERLAND PARK, Kan.) — A police investigation into the abuse of a child is underway at the home of Kansas City Chiefs star Tyreek Hill, according to police reports.Two police reports in the past two weeks detail an investigation into allegations of battery, child abuse and neglect at the Overland Park, Kansas, home. The police reports were obtained by Kansas City ABC affiliate KMBC-TV.Hill is not mentioned in the police report from Thursday, but his partner, Crystal Espinal, is listed under “others involved.”The victim, listed only as a “juvenile,” suffered a minor injury in the incident, according to the report.Hill has not been charged with any crime.The Kansas City Chiefs acknowledged they were aware of the incident in a statement.“The club is aware of the investigation involving Tyreek Hill,” it reads. “We are in the process of gathering information and have been in contact with the league and local authorities. We will have no further comment at this time.”Hill has been elected to the Pro Bowl in all three of his seasons in the NFL, all with the Chiefs. He was an All Pro as a returner in his rookie season and as a wide receiver last season. He has twice finished in the top 10 in the league in receiving yards.News of the abuse incidents broke on the same day Kareem Hunt, Hill’s former teammate, was suspended for eight games by the league after video emerged last year of him shoving and kicking a woman in February 2018. Hunt was immediately cut by the Chiefs, and later signed with the Cleveland Browns.Hill’s agent did not respond to a request for comment from KMBC-TV. Copyright © 2019, ABC Radio. All rights reserved.
United Biscuits’ chief executive Benoit Testard is set to leave the business later this week, the company has revealed.In an announcement last Friday (12 April), the biscuit manufacturer said Testard, who has been with the company since 1999, will be replaced by Martin Glenn as of 6 May, who has headed up Birds Eye for the last seven years.Glenn was also previously chief executive of Pepsico UK and Ireland, where he led the growth of the Walkers Crisp brand.David Fish, chairman of United Biscuits, said:“I would like to thank Benoit for his great service over the past 14 years. During that time he has made an enormous contribution to the business across a number of areas and roles. The board would like to thank him for his great contribution to the company and to wish him every success in the future.“I am delighted to welcome Martin to UB. He has an outstanding record of success at both Birds Eye Iglo and Pepsico UK and Ireland. We look forward to him leading UB through the next stage of its successful development both in Western Europe and globally.”
Global population is expected to hit 7 billion later this year, up from 6 billion in 1999. Between now and 2050, an estimated 2.3 billion more people will be added—nearly as many as inhabited the planet as recently as 1950. New estimates from the Population Division of the Department of Economic and Social Affairs of the United Nations also project that the population will reach 10.1 billion in 2100.These sizable increases represent an unprecedented global demographic upheaval, according to David Bloom, Clarence James Gamble Professor of Economics and Demography at the Harvard School of Public Health, in a review article published July 29, 2011 in Science. Read the abstract.Over the next forty years, nearly all (97%) of the 2.3 billion projected increase will be in the less developed regions, with nearly half (49%) in Africa. By contrast, the populations of more developed countries will remain flat, but will age, with fewer working-age adults to support retirees living on social pensions. Read Full Story
Ever since the beginning of time, humans have been drawn to the water’s edge. This month we head to the coast to meet sailors and surfers who call the Atlantic home.THE SAILOR / Sean Moffitt / Chapel Hill, N.C.Can you pinpoint your earliest experience at the beach? Sean Moffitt can, and though later in life he would go on to develop an all-consuming passion for sailing the open seas, that first memory wasn’t exactly awe-inspiring.“I got a shrimp caught in my shirt. I was terrified. I cried and cried and cried. I was just a kid. In my memory it was huge.”Whatever that run-in with the shrimp did in the short term, it hardly daunted Moffitt. He became curious, just like his father. Mr. Moffitt is what you might call a tinkerer—he’s done just about everything from raising bonsai plants to engineering robotics—but one summer, about the time Sean was 12, he started building sailboats.“Our boats are not necessarily pretty,” says Moffitt. “They are meant to be used, not sitting in the harbor. The physical structure is all built out of plywood, the sails we make are made from poly tarps, all of which you can get at Lowe’s.”At age 13, Moffitt and his cousin built their first sailboat. For its maiden voyage, they sailed it on the Gulf of Mexico. Then just a teenager whose world was mostly confined to the booming city of Atlanta, Moffitt remembers the thrill of open water and the simultaneous pressure of handling a vessel of his own creation.“It was a little nerve-wracking to be sailing on your own as a 13-year-old in the Gulf of Mexico,” he says. “It was almost like a forced meditation. You had to be in tune with everything. It was a very calming and humbling experience for me.”Initially, the trips were short, just a few hours or so. But with every summer, the sailing became longer until eventually, Moffitt and his family were overnighting off of their sailboats, sailing by day and camping on the beaches of the Outer Banks by night.Inspired by Florida’s WaterTribe Everglades Challenge, a 300-mile unsupported sailing race, Moffitt’s brother Paul started the OBX 130 sailing raid in 2008. Right from the beginning, the Moffitts wanted to make the event less of a race and more of an adventure. The 130-mile, self-supported group sail takes place every other year off the coast of the Outer Banks. That first year, at age 21, Moffitt solo captained a new boat he had built in college, this one 12 feet in length.“Compared to the weather that year, that was a tiny boat,” Moffitt remembers. “I remember waves crashing over the front of the boat. The weather was crazy. I learned how to rest my sail in the middle of the storm. It was one of those pushing-to-my-limits kind of experience, but I did it. I sailed 130 miles in this tiny boat. It was the most proud I’ve ever been.”To date, Moffitt himself has built three boats, his father four, and his brother Paul three. The boats range anywhere from eight feet long to more than double that in size. They’re monohulls, made for navigating the shallow waters and sandbars of the Outer Banks.A couple of years after that first solo captain success, Moffitt set out from the North Carolina shore to retrace the OBX 130 route, this time completely alone and without an armada of other sailors to keep him company at camp. His goal was to spend the entire three-month summer aboard his sailboat, which he retrofitted so he could sleep onboard, but after two weeks, he was done.“That first night alone was the beginning of a storm with insane 25 knot winds. I couldn’t even leave the shore for two or three days. I was just camped underneath the lighthouse at Cape Lookout, waiting. It was a pretty rough start. It was really hard for me. All of my peers seemed to have lives and apartments and significant others and jobs and I didn’t. I was on this boat. I had every beach to myself and went wherever I wanted. I had an amazing experience, but a younger me had a much harder time with it.”Recently, Moffitt has taken his love of the natural world inland as a Field Coordinator for the North Carolina Youth Conservation Corps. He’s currently in graduate school studying to become a licensed social worker and therapist, so that he can integrate wilderness therapy into his conservation work. The sea has never left him, nor those memories of sailing free, and he says his hope is to bring his conservation and youth work to the waters that have so defined his life.“She’s the mother ocean. Every time I go I feel like I’m returning to the womb. I’ve probably spent as much time in the mountains as I have in the ocean, but the ocean is much more special to me.”THE ANGLER / Art Webb / Virginia Beach, Va.It’s hard to imagine that someone who grew up fishing bass in the land-locked state of Missouri could ever learn to love fishing the Atlantic waters, but that’s exactly what happened to Art Webb.“To this day I still don’t consider myself a ‘beach person,’” Webb says, chuckling. “I’m a water person, no doubt, but to be honest, beaches attract way too much humanity for me.”He would know. He’s lived at the edge of Virginia Beach’s busy boardwalk for two decades. And while his first experiences fishing saltwater were in the shallow coastal flats, it wasn’t long before he was venturing off-shore with a fly rod in hand, searching for billfish.“The first fish I hooked and brought boatside probably eclipsed the sum of all other fish I had caught up to that point,” he says. “I can’t even put into words how berserk they go and what it feels like to have them on the end of the fly rod. It’s like nothing I’ve ever done, save for tarpin.”Early on, people weren’t sure what to make of the charming fellow on board who was attempting to catch billfish on fly. It just wasn’t something that was done, especially in those parts. Webb hardly seemed to mind the skepticism, and after a number of successful outings, he convinced fellow fly fishermen Brian and Colby Trow of Mossy Creek Fly Fishing to come see for themselves.The result of their exploits can be experienced firsthand in the film Tidewater, produced by TwoFisted Heart Productions and released in 2016. With unpredictable weather, fickle fish, and a time-crunched video shoot, the adventure was for Webb, an advertising tycoon by trade, pure bliss. He says of all the blue marlin and billfish they did end up catching, none stands out so clearly in his mind as the one that got away, or simply never was.It was a blue marlin, some 12 feet long and 700 pounds in size. The fish was close, within casting range for Webb, who was at the rod. Pulsing with adrenaline, Webb cast his line out into the water, not sure if he was fully ready for the fight that lay ahead.“It was a pink fly, I will remember that as long as I live. That fish hovered underneath that pink fly deciding whether or not to eat it and I didn’t know whether I wanted more than anything for that fish to eat it or not, because 700 pounds of fish on the end of a fly rod would have either been the battle of all time that would have lasted for days, or I would have lost the fly line and 200 yards of backing. There was going to be nothing in between.”The marlin spared Webb that day, but even now, years after the filming of Tidewater, he still marvels at the energy he felt from that fish gliding beneath the surface of the water. It’s that and the many other experiences he’s had around the world that inspired him to create his very own fly fishing travel agency called World Wide Webb Adventures.When he’s not working on his new business endeavor, he’s usually fishing with his two kids, Olivia and Harrison, or building awareness for his passion project Able Women, a women’s fly fishing team. He says being the father of a daughter has impressed upon him the importance of reminding girls that identity and sense of self-worth go well beyond physical beauty. He believes sports like fly fishing have a powerful ability to build confidence and empower women to see themselves as capable and competent, on and off the water.THE ARTIST / Kate Barattini / Folly Beach, S.C.Were you to ask 28-year-old Kate Barattini how she ended up on Folly Beach, she’d tell you it was because she was a clown in high school, that she was rejected from her dream school Clemson University, where she wanted to study parks and recreation, and admitted to the College of Charleston instead. In reality, the answer is much simpler: the ocean came to her.“I grew up living close to the mountains and I was really into whitewater kayaking,” she says. “That’s all I did throughout my junior and senior years of high school. My freshman year of college I worked on the Pigeon River. I just loved the mountains and the rivers and everything that went with that.”In college, she joined the crew team in hopes that she would find some other river-loving souls. To her initial dismay, she did not. She tried taking her kayak to the ocean to get her paddling fix, but it wasn’t the same.“I didn’t understand the waves. It was hard and I was young and stubborn. I decided I would start surfing and I told myself by the end of college, I was going to be good at surfing.”So she did just that. She moved to Folly Beach, bought the first board she could find, and forced herself to begin a new relationship with water. It wasn’t easy. That first day on her new board, she could hardly make it past the break.“It was a head high day, nasty conditions, and I couldn’t even get out there. After awhile I just got out of the water and sat on my board thinking, What am I doing with my life? I had bought a board, a wetsuit, because of course it was February, but I told myself I was going to do it.”Barattini finally took a lesson from Jenny Brown, an All-Star Team Surfer in the Eastern Surfing Association and an instructor with Shaka Surf School. Now, 10 years later, Barattini is a seasoned surfer. She has lived and surfed in Nicaragua, competed in the classic longboarding event Mexi Log Fest in Saladita, Mexico, and won her hometown Folly Beach Wahine Classic three years in a row.For Barattini, surfing is first and foremost an expression of self. She’s an artist and filmmaker, too, and she says her time in the water directly influences her work. Her most recent series, Animal Shred, depicts paintings of real-life surfers with animal characteristics: the head of a lion, the wing of a butterfly. Just like surfing, Barattini says that creating art provides her with constant lessons in patience and humility.“You have times when you’re really really good at it and then you have times where, for whatever reason, things are just not clicking, and because of that, it’s always fulfilling. You’re always trying to perfect yourself, but at the same time, you have to be happy with where you are.”She is currently working on a continuation of the Animal Shred series, which she will release at a show later this year, as well as another Folly-themed surf film. She works as a bartender two nights a week to supplement her income, because, as she says, “if you want to be a surfer on the East Coast, south of the Outer Banks and north of Florida, you kinda need a job that allows you to have a lot of free time to surf as much as you can. Otherwise you’ll just be grumpy.”THE WATERMAN / Phil Langley / Dameron, Md.Captain Phil Langley was born and raised on the Chesapeake Bay. He’s lived in St. Mary’s County his whole life. As a child, he worked the tobacco fields and oyster beds of southern Maryland. He comes from a long line of hardworking men—his paternal grandfather was a farmer and his maternal grandfather a waterman who ran skipjacks up and down the Bay.“Even before I had a good memory, I can remember going crabbing and fishing with my dad,” Langley says. “We grew up with a pretty modest lifestyle, so that was the recreation around here.”Langley’s deep-set eyes are clear and blue, like the waters that surround him. Were it not for the slightest of creases at the edge of his temples, you might never know that the 57-year-old has spent the better part of three decades working the water crabbing, oystering, and fishing.It’s a hard line of work—Langley will be the first to admit that. During the 1990s, when the oyster population was at its lowest and the state of Maryland had issued a five-year moratorium on striped bass fishing, Langley was forced to pick up work with a heating and air conditioning company to support his family. But he never stopped getting out on the water, and he never will.“I was born with saltwater in my veins. There’s a lot of other things I could have done with my life, but you can’t drag me off the water with a team of mules.”Over all of these years, for better and for worse, Langley has witnessed his beloved Bay ebb and flow. Fortunately, the oysters seem to be making a comeback. Langley has a small oyster bed on his property, something he would have never dreamed of investing in 20 years ago. He’s hoping to harvest between 600 and 800 bushels this year. Long ago, he realized that it wasn’t realistic to sustain his family entirely on crabbing and oystering, so he started offering waterman heritage cruises, charter fishing, and ecotours through his company Fish the Bay Charters.In a way, his passion for the Chesapeake has come full circle. As a kid he crabbed and oystered for fun, as an adult he harvested crabs and oysters for a living, and now he gets to take visitors on their own crabbing and fishing adventures while teaching them about the resource and the threats it faces.“My number one passion is nature, but I would say it’s the people that keep me enthusiastic in what I do,” says Langley. “On a fishing boat, I’ll take out people that have done very well in life and people who are blue-collared workers that work very hard for modest wages. The thing of it is, when they’re on my boat, everyone is a fisherman.”The world of commercial watermen is quieter these days. When Langley first got into the business, there were at least 50 other charter holders in the county; today, he’s one of just a handful who make a living chartering full-time. His 30-year-old son also has a captain’s license and helps work the weekends and holidays on one of Langley’s two boats, the Chesapeake Charm and the Lisa S. Though Langley admits it’s sad to see his way of life fading into history, he feels hopeful for the future of watermen and proud that he could be a part of that community.“If you want to be rich, it’s probably not your profession, but if success measured is living a life doing something that you want to do, then I consider myself a very rich person.”THE SURFBOARD MAKER / Mike Rowe / Southern Shores, N.C.On the night of Mike Rowe’s high school graduation, the then 18-year-old starry-eyed surfer left his hometown of Virginia Beach and headed south, bound for the Outer Banks. It was a decision that totally altered the course of his life, and one he wouldn’t have changed for anything in the world.Having been a sponsored surfer in high school, riding for brands like the Australian-based wetsuit company Wavelength, Rowe was committed to the lifestyle. By some amount of dumb luck and serendipity, Rowe crossed paths with Outer Banks surfing icon and surfboard maker Mickey McCarthy. He started sanding boards and learning the trade, never imagining where the journey would lead him.“I was just a kid living on the Outer Banks,” he says. “It was a piecework job. You didn’t get paid by the hour. You got paid by the piece and if you were good at it, you could make $40 an hour. $40 an hour as an 18-year-old kid during the ‘90s was a fortune.”For years, Rowe worked making surfboards on the Outer Banks in the summer and on the slopes of Breckenridge in the winter. From snowboards to skateboards and surfboards, Rowe was and still is a boarder through and through. When he finally settled for good on the Outer Banks and built a house, he made sure to put a pool in the back so he could skate, not swim.In 2001, Rowe split from New Sun Surfboards and set out to make surfboards on his own. He put a shaving room under his house, called it Hooked Surfboards, and set to work. That first year, he cranked out over 80 boards. Having traveled and surfed all over the world, from Hawaii to Indonesia, Rowe had a number of top-level surfing friends who agreed to ride his boards and give him feedback. While Rowe admits he’s “definitely made some dogs in my life as far as boards are concerned,” he felt really fortunate that he not only had the knowledge of what a good surfboard was supposed to look like but also a wealth of experience surfing waves of all types all around the world.On a trip to Indonesia later that year, Rowe tested a few of his earliest designs. While the number 13 often gets a bad rap as being unlucky if not downright traitorous, it was Rowe’s 13th board—dubbed “Lucky 13”—that gave him the confidence he needed to keep chasing his dream.“Growth has been totally word of mouth. I have the most rinky dink website, an okay Instagram following, I don’t post on Facebook. I don’t think I’ll ever be a rich person building boards, but that’s only monetarily wise. Every time I think I’m getting down to my last order, I get five more. It’s been a very homegrown thing and I’m fortunate that I live in this small community that supports me.”This past December, Rowe gave up working carpentry on the side to pursue surfboard making and art full-time. The two go hand in hand—whenever Rowe glasses a surfboard, he shapes the leftover resin into incredible pieces ranging in size from larger-than-life fishbone wall art to ashtrays, “which is the worst use for it, but they come out incredible,” he says.Rowe has no aspirations of growing his business; he doesn’t want to lose that one-on-one connection with his customers, a relationship that often spans decades as first-timers turn into lifelong surfers and friends. Plus, if he went bigger, when would there be time to surf?“I know it sounds corny, but our lives are so busy. There’s a lot of chatter and texting and email and all of that just disappears for a few hours out on the water. Golfers probably get that, too, but your phone can still ring on the golf course.”THE WATERKEEPER / Andrew Wunderley / James Island, S.C.Law school was the last thing on Andrew Wunderley’s mind when he entered graduate school in 2003. A lifelong swimmer and surfer who had found his way to Charleston, S.C., in 1997 to coach the city’s swim team, Wunderley’s primary interest was the environment and the policies behind coastal zone management.“I remember this pretty distinctly because I went back to school the same year my daughter was born and, long story short, I was looking to get out of grad school as soon as possible. The only course the school was offering in the summer was land use law. Initially I just wanted to get the credits and the grade and move on but I really, really enjoyed it. It was kind of a big surprise.”By then Wunderley was already in his late 20s with a growing family. Law school, he knew, would require even more of a commitment than graduate school had, both of his time and resources. When the Charleston School of Law opened in 2007, he took it as a sign.For a few years after law school, he strayed from the environmental and conservation work that had inspired him to go to graduate school in the first place. He worked as a staff attorney for a couple of years and later as a law clerk, but he couldn’t ignore the call of the water for long. Again, destiny intervened. Wunderley knew Charleston Waterkeeper founder Cyrus Buffman, who was just starting the organization at the time. After a few conversations, Wunderley took the leap and came on board as Program Director and Staff Attorney in 2012.“It was the epitome of a classic startup situation. We barely had an office, we had just put together a Board of Directors, I was using a borrowed desk, all that sort of stuff,” he says, “but I felt like it was something I had to do. I don’t think I would have been happy with myself if I hadn’t taken a chance on it.”Three years later in 2015, Wunderley took over Buffman’s position as Director and Waterkeeper. He says the work that Charleston Waterkeeper does for the community and surrounding waterways is paramount in this day and age. As of last year, Charleston became South Carolina’s largest city after years of explosive population growth. What that means for Charleston’s rivers and creeks, which together form one of the largest undeveloped estuaries on the East Coast, is immense amounts of stormwater runoff from thoughtless development.“This place has a wealth of water-based recreation, from fishing to surfing, paddling, sailing. All of that is just steps away from where people live and work. You can surf dawn patrol and still be into work by 9 o’clock. It’s really unique in that regard, but what I worry about is all of those people moving to Charleston every day who don’t have that connection to the rivers and creeks and beaches like we do,” he says. “If you look at everything on the surface, Charleston looks pretty nice and healthy, but we need to help folks build that connection and understand why this place is so special. You protect what you love. That’s the way it works.”Charleston Waterkeeper offers countless opportunities for volunteers to get involved and help give back to the area’s watershed. Learn more by visiting charlestonwaterkeeper.org/get-involved.
Debt is generally seen as a bad thing, and it makes sense that people would feel this way. Debt can screw up your finances for a long time. But is debt sometimes okay? Here’s a look at debt, what’s okay, and what’s not okay…OK: You just bought a house – Most people don’t pay cash for a home, so if you want to purchase one, you’re going to have to take on some debt. The good thing is that housing is a part of pretty much everyone’s budget, and when you buy instead of renting, you’ll eventually own some real estate.NOT OKAY: An experience – You may be tempted to take on some debt in exchange for an awesome trip, but when you get back, you’ll only have pictures, maybe some souvenirs, and a small load of debt. It’s probably a good idea to save up before you go see the world.OK: Starting a business – Perhaps you’ve been passionately planning to one day start a small business. If you’ve got the drive and a good business plan, it may make sense to take on some debt in exchange for living out your dreams.NOT OKAY: Stuff – When it comes to “things”, anything other than your home or your vehicle probably isn’t going to last a long time. Think about that the next time you prepare to swipe your credit card at a cash register.OK: College – Student loans are a headache for some, but for others they are a tool to help achieve a dream of a college degree. There are a lot of benefits to higher education, so you may find that the debt is totally worth it.NOT OKAY: Having an unbalanced checkbook – If you have a habit of poor budgeting and spending more than you make, you may be taking on some unwanted debt. Even if it’s a small amount, it could end up being a real headache if you don’t get it under control. 105SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details
This post is currently collecting data… This is placeholder text continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr “Why should I join your credit union?”Fair question. You probably have a laundry list of answers. Perhaps you lead with rate and service. Perhaps there is a specific niche you serve better than anyone else. Maybe you have a very unique product.All well and good, but do you know how to communicate your value proposition in 2 seconds or less?Extensive neuroscience studies, conducted by Mars (yes, the candy company), show that similar marketers now only have about two seconds to capture consumers’ attention in the digital realm. As a company that owns several candy brands (impulse buys for the most part), the marketing team in the Mars communications lab is trying to solve, 1) how to draw attention and 2) quickly create an emotional connection. The two together are the magic formula for triggering impulse purchases.
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A federal grand jury has indicted a Seaford man on charges that he allegedly defrauded investors out of $500,000 while he worked as chief compliance officer of a Woodbury-based brokerage firm.William Michael Quigley was charged with conspiracy to commit wire fraud and money laundering. He is scheduled to be arraigned Thursday at Central Islip federal court.“Rather than use his training and expertise to protect these investors who were told that their money would be invested in well-known U.S. companies and funds, Quigley helped his co-conspirators steal the funds by transferring them to the Philippines and using them for his personal use,” said Kelly Currie, acting U.S. Attorney for the Eastern District of New York.Authorities said the 47-year-old man and his alleged co-conspirators told overseas investors that they were registered brokers and that they would invest the victims’ money in companies and investment funds such as Dell, Berkshire Hathaway and BlackRock.But Quigley and his alleged co-conspirators were not registered brokers. Instead of investing the money, they opened several bank accounts in New York where they transferred more than $500,000 of the $800,000 funds to other accounts in the Philippines, according to investigators.Quigley allegedly used some of the money to pay for trips. If convicted, Quigley faces up to 20 years in prison.