Almost every day, we older folk say, “How the world has changed!” As an example, just look at the volume of products we now produce daily with far less staff than, say, 20 years ago. Although, at the rate people are flooding into our country, they may soon pass a law to make us scrap our machinery, so that we can employ more people to keep them off the streets.What brought this trip down memory lane was a headline in my paper today, which read: “Men must have proof of consent or risk rape charges”. Well that could never have happened in the 1950s. Back then, we poor boys used to beg, plead, grovel, promise undying love, marriage or the immortal original line “If you really love me, you would”, or even meet the fairer sex outside the cinema and pay for their ticket, rather than meeting them inside, which avoided paying for their ticket. This being a truthful column, I must confess success was as rare as a politician telling the truth. However, back to trade. Our business year starts in February and shop trade has not been good; we are 3.93% up at the end of March on a like-for-like basis and are struggling to hold it at that. One can always say it is the fault of bad weather, but I have found it all too easy to look for excuses rather than have a review on our current products and make sure they are up to standard, as well as see if the shops could be improved.The great problem we have is that, as we are used to seeing the shops every day, it is all too easy to get used to any failings there might be; perhaps the old saying ‘familiarity breeds contempt’ should read ‘familiarity breeds acceptance’.Another problem that crops up every week is the problem of waste; ours averages around 12% at retail price and if we try to get it much lower, the result is lower sales as the shops look too empty in the afternoons. Although the majority of shops can keep wastage at about 10%, there are always one or two that have bad days and throw the average up.Once I was asked: “Why do you print your figures so openly?” Well the answer is easy: we are all in business and, if you are doing much better than I am, you can feel good about it; if you are doing as badly or worse, it should cheer you up a little and make you realise you are not alone. I have always found it of enormous help when fellow bakers are open with me. It helps me to identify both my strong and weak points.Have you not noticed how many of the know-it-alls have gone out of business – a little like the ones who open up a business, take about £200,000 in their first year, and then tell us how they intend to take £2m the next year and £5m the third year. Gosh, I wish I were as clever! I struggle every year to survive and think a 10% increase is great.These folk are walkers and talkers, not achievers. They seem to think saying it makes it come true. So I will leave you with three quotations of famous last words of these dreamers: “This’ll be a short meeting”; “When it reads empty, there’s always a gallon or two in the tank”; “Believe me, no-one will dress up”.
38SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Todd Fuller With 25 years of experience in consumer and commercial banking, merchant processing, and financial institution and municipality sales, Todd is ideally suited to lead Hypur’s growing national sales team. … Web: www.gethypur.com Details In the last issue, I talked about compliance stigmas and the changing perceptions of compliance. In the second and final part of this article series, I will be finishing up how compliance barriers are coming down, along with a serious challenge for your institution.The compliance barrier Revenue and compliance are inextricably linked. The common perception is that the practice of compliance inhibits revenue generation, while the cost of compliance is a revenue drain. This lethal combination is a significant factor in the serious challenges that so many small and mid-sized financial institutions find themselves in these days. Lacking the means or capability to enter new markets and facing ever increasing compliance costs, too many financial institutions face the prospect of either going out of business or merging with larger institutions. But imagine a scenario in which the revenue/compliance dynamic was flipped, and compliance went from being a revenue drain to a revenue driver. How could this be possible? As with so much transformative change in our economy, the answer lies in technology. Most legacy compliance platforms have been around for decades, and are not necessarily suited to meet current realities. But new Fintech and Regtech solutions are now available to increase automation, transparency and efficiencies for compliance responsibilities. Institutions are leveraging these technologies that are tied to new product innovations for payments, lending, consumer identity validation, real-time transaction monitoring, document management and more.So imagine your sales, operations and compliance teams no longer working at odds with one another, but in collaboration with one another. That is happening today as compliance-centered technology solutions are empowering compliance departments to help lead the charge in new verticals. Seven-step challenge for your institutionI challenge you, your leadership team and department heads to consider the following seven steps intended to expand vision, encourage critical thinking, and provide purpose and ‘ownership’ in new potential growth strategies. 1) Create a culture that encourages entrepreneurial or ‘outside-the-box’ ideas. You can do this by setting up a brainstorming meeting once per month with your institution’s entire staff or having a suggestions box in the office.2) Take time to identify with your staff what the hurdles to ‘change’ in your institution are and how they can be overcome. 3) Take steps to bring departments together (like sales, compliance, operations) to discuss ideas, challenges and opportunities to bridge gaps and create a positive teamwork culture.4) Have each department make a short list of new technology solutions that they believe could increase efficiencies, competitive advantages, new opportunities and profits. 5) Identify verticals that have traditionally been viewed as ‘higher risk’ in nature. Then, assess whether the new available technologies could allow your institution to responsibly, sustainably, and profitably bank them.6) Have your staff talk with merchants in these verticals and ask them what their biggest challenges are in their business. Don’t assume, go ask. Then, ask your employees to identify how your institution can help solve these problems. 7) Move and act now. I encourage you to have a sense of urgency and begin taking steps immediately. We bankers are creatures of habit, and changing habits can be intimidating. “What is everyone else doing?” is the invariable knee-jerk response when confronted with something out of the norm. But following the pack only ensures you never separate yourself from it. The corporate landscape is littered with companies unwilling or incapable of adapting to new realities. Will banking somehow be immune to these powerful market forces? History suggests not, which means the time to adapt is now. This article was authored by Hypur’s Executive Vice President of Sales Todd Fuller in collaboration with Hypur’s Executive Vice President & General Counsel John W. Vardman and Executive Vice President of Banking & Compliance Andre G. Herrera. For more information about compliance or Hypur, please email [email protected]
To get the latest on the power outages in our area, click here. —– According to NYSEG’s website, those three counties have the most power outages. As of Thursday afternoon, NYSEG reported 605 customers without power in Broome County, 144 in Chenango County and 191 in Delaware County. (WBNG) — NYSEG reported power outages in the area including a detailed list by county on Thursday. 2:35 P.M. UPDATE: For more information on outages in the area, click here. (WBNG) — NYSEG is reporting power outages across the area Thursday morning, due to severe winds.
MINNEAPOLIS — Significantly more Iowans who get their health insurance through their employers are now on high-deductible plans, according to an annual report from the University of Minnesota.Elizabeth Lukanen, deputy director of the university’s State Health Access Data Assistance Center, says employers are likely trying to keep premiums low by raising deductibles. Lukanen says, “To control costs, what employers are doing is they’re continuing to offer coverage, but they’re shifting some of those costs to consumers and to their employees.”The annual report found the number of Iowans on high-deductible plans jumped from 50-percent in 2017 to 57-percent last year. The national average is 49-percent. Lukanen says many Iowans may not understand these plans can be financially risky. “The plan might seem affordable because if you have a higher deductible, you often have a lower premium,” Lukanen says, “but if you have a chronic illness or an unexpected health event, and you don’t have any savings, you can really quickly find yourself in debt.”The report found the average deductible for a single person rose 288-dollars over the past two years, an increase of more than 15-percent.
BOXING’S BIGGEST DRAW —Manny Pacquiao knocks down Shane Mosley in the third round of their WBO World Welterweight Title fight at the MGM Grand in Las Vegas Saturday, May 7. The photo was taken with a tilt-shift focus lens. (AP Photo/Las Vegas Review-Journal, John Locher) He fought poverty, beat Shane Mosley, and shared a dais with Paris Hilton. The president of the Philippines called to chat, then it was off with his massive entourage for a concert at a neighboring casino.All in a night’s work for the little fighter who can.“People know I’m trying to do my best,” Pacquiao said. “I think they’re satisfied.”Hard not to be when the most entertaining fighter since Mike Tyson worked as hard inside the ring as he did later in a concert that stretched into the wee hours of the morning. It wasn’t Pacquiao’s fault that Mosley spent most of Saturday night trying to find a spot between the ropes where Pacquiao couldn’t hit him rather than try to put up a good fight.Hilton certainly seemed happy about it all. The faux celebrity joined Pacquiao and his wife at the post-fight news conference to give her analysis of the fight, and the verdict was, well, favorable.“It was a very amazing fight,” she said.Others who might know boxing a bit better would probably disagree, but there wasn’t a lot Pacquiao could do about it. He floored Mosley with a left hook in the third round and spent the rest of the night chasing after him despite a cramp in his leg that made his opponent even harder to catch.Much like with Tyson in his prime, though, Pacquiao mostly got a pass for his choice of opponent. Though the 16,412 fans at the sold-out MGM Grand arena booed in the later rounds, they were booing Mosley, not Pacquiao, for a fight that dragged on for 12 full rounds before coming to a predictable end.Indeed, most fans—Hilton included—seemed to be happy just to see Pacquiao in action. That’s the lure of the Filipino phenom, who continues to be the biggest draw in the sport even while being fed a questionable diet of opponents in recent fights.Mosley was the latest, a fighter who looked shot in his bout last year with Floyd Mayweather Jr. and looked even worse against Pacquiao. Once a great fighter, Mosley at the age of 39 lacks the reflexes to compete anymore even if he refuses to recognize it.“I don’t think he tried to win the fight, he just tried to survive,” said Freddie Roach, who trains Pacquiao. “When you get to that point in boxing it’s time to call it a day.”Promoter Bob Arum tried to defend his pick of Mosley as Pacquiao’s latest victim, saying Pacquiao is so good that no fighter can look good against him. That’s bogus, of course, because there are certainly other fighters out there who could not only give Pacquiao a challenge but could conceivably beat him.No. 1 at the top of that list, as everyone in boxing knows, is Mayweather, who seems as reluctant to sign for a fight with Pacquiao as Mosley was to actually fight him. But the clamor for a Pacquiao-Mayweather fight has died down with Mayweather inactive and facing legal problems that could land him in jail, and that fight seems even longer away than it was before.Next up for Pacquiao will likely be a third fight against Juan Manuel Marquez, who fought to a disputed draw with Pacquiao in 2004 and then lost a split decision to him two years later. But, while that fight is somewhat intriguing, Marquez is basically a lightweight while Pacquiao has grown into a full-blown welterweight who would have a big size advantage.Pacquaio will make another $20 million regardless of who is in the ring with him. That’s big money for any fighter, even if a fight with Mayweather could conceivably double that purse.Before that happens, though, Pacquiao has stuff to do back home. The biggest sports hero the Philippines has had is also a congressman trying to build a hospital in his province, and the yellow gloves he wore in the fight were, he said, a symbol of the fight to end poverty in his native country.He may or may not go down as one of the greatest fighters ever. That will be for boxing historians to decide when his career is finally over.But as his excellent weekend in Las Vegas showed, he may be the hardest working fighter ever.(Tim Dahlberg is a national sports columnist for The Associated Press. Write to him at [email protected] or twitter.com/timdahlberg.) by Tim DahlbergAssociated Press Writer LAS VEGAS (AP)—Manny Pacquiao was always going to get his $20 million. That was part of the deal that lured him to this gambling city, where wealthy whales and B-list celebrities gathered ringside to watch him beat up yet another pretender to his crown.On this night his opponent was a reluctant combatant, there seemingly only to get his own big payday. But Pacquiao wasn’t about to let that ruin his plans for a big evening on the Las Vegas Strip.
BILL NEALOk, so you think the whole Tomlin thing is just about a toe on the turf? Yet you’ve never seen such an outcry on anything like this before, but coaches are on the field all the time!You actually think someone would be stupid enough to do that in front of millions and millions watching him live and think he could get away with it?Wait, wait, wait, here’s the real funny part, and you really, really, think “they” would attack Bill Cowher with this, even after admitting he made a mistake, and somehow you’ve also managed to convince yourself that “they” would dare to even remotely suggest this to Chuck Noll!!!Well, if all that’s true, and you really do believe that, would you please meet me on the North Shore at 6:00 a.m. tomorrow morning. I’ve got a building I want to “give” you. It’s the Heinz Field Stadium. I want you to have it with the rest of the B.S. you’ve been given!See the celebration at the 38th Annual Willie Stargell Pittsburgh MVP Awards Banquet, Saturday, December 7th, also honoring Steeler legend Greg Lloyd and the Penn Hills Eagles Track Club Regional and National Champions. Special guest, Larry Brown, 4-time Super Bowl champion tight end with the Pittsburgh Steelers. Keynote speaker Federal District Court Judge Reggie Walton of Donora, Pennsylvania at the Wyndham University Center in Oakland (formerly the Holiday Inn) 6:00 p.m. cocktail reception – 7:00 p.m. dinner – 8:00 p.m. awards – business attire – parking in UPMC garage only $5 – quality vendors – 50/50 raffle – tickets only $50 – call the Champions at (412) 628-4856 for more information.YOU’VE NOW CROSSED OVER THE FINISH LINE
SANDY HOOK – Cadets from the drill team of the Marine Academy of Science and Technology (MAST) Navy Junior Reserve Officers Training Corps (NJROTC) took first place overall at Manchester High School’s recent Pearl Harbor Day drill competition. The Sandy Hook-based school competed against cadets from 12 other NJROTC units from New Jersey, New York, Pennsylvania and Delaware in eight events, including academics, athletics, uniform inspection and precision marching.MAST placed first in Armed Platoon (commanded by Cadet Liam Kile of Tinton Falls), New Cadet Color Guard (commanded by Cadet Zachary Mansfield of Monmouth Beach), and Academics (commanded by Cadet Caroline Davidson of Brielle); second in New Cadet Basic (commanded by Cadet William Hurley of Monmouth Beach), Unarmed Platoon (commanded by Cadet Emily Fuller of Brielle), Varsity Color Guard (commanded by Cadet Jake O’Donnell of Tinton Falls) and Personnel Inspection (commanded by Cadet Shane McCutcheon of Manasquan); and third in Athletics (commanded by Cadet Liam Hoagland of Colts Neck).“The cadets really went above and beyond preparing for this meet,” said retired Navy Commander Tracie Smith-Yeoman, MAST’s Senior Naval Science Instructor. Students attending MAST are required to be active members of the NJROTC program during their high school years, but there is no requirement for military service after graduation. The program focuses on citizenship development and leadership.Cadets from the Marine Academy of Science and Technology Navy Junior ROTC drill team took home three firsts, four seconds and a third on their way to an overall first place finish at the Pearl Harbor Day drill competition at Manchester High School.Smith-Yeoman commended the cadets for their dedication. “Since we don’t have an indoor facility here on the Hook that’s large enough for drill practice, the cadets must practice outside in all kinds of weather,” she said.“We also don’t have late buses like many other schools, so the parents must arrange for transportation for the cadets when they finish after-school practice,” explained Smith-Yeoman. Many of the cadets live quite a distance away from the school, so the support of family and friends is integral to the program’s success. “This win belongs to the entire MAST family,” she said.Colts Neck High School’s NJROTC unit, headed by retired Marine Corps Major Gregory Penczak, took third place at the event. Atlantic City High School took second place.MAST’s next competition will be at Linden High School’s Martin Luther King Jr. meet on Jan. 15. They are hoping to qualify for the 2018 NJROTC Nationals Academic, Athletic & Drill Championship in Pensacola, Florida in April.This article was first published in the Jan. 4-11, 2018 print edition of The Two River Times.
“Players are beginning to understand Major Midget is very highly recruited and very highly scouted.”“(And in the BCMMHL) they’re playing against players their own age and not against young men,” he added.After experiencing the pitfall in year one behind the bench, Wright, joined by a host of interest hockey personal, decided to re-work the program beginning in the off season.“We’ve done a massive amount of (offseason) work,” Wright said, with players on the roster from Cranbrook, Castlegar, Montrose, Trail, Rossland, Nakusp, Crescent Valley and Nelson.“We’ve recruited, we promoted . . . we have a lot of good people involved this year. We have a non-parent manager in Kari Carr, we have a great coaching staff in myself and Brian Jones and (former Nelson Leafs coach) Bill McDonnell is helping us out this year with our goaltenders so everything is looking really good.”The Ice, finishing last season out of the playoffs with 6-28-6 record, open the regular season Saturday in Richmond with a two-game set against Greater Vancouver Canadiens.The games are part of a Showcase Weekend where all teams play at one location, giving junior and college scouts a chance to watch all players.The other Showcase is scheduled for January 24-25.Both Showcases will be held at the world-class Richmond Oval facility in greater Vancouver.Wright said this season Ice officials are trying to make the program a win-win for midget-aged players throughout the Kootenays.“We’re trying to open the team up to the KIJHL where players will play and practice with teams and in part the KI is trying to open itself up to the BC Junior so we’re all trying to work together,” Wright said.“I’m a big fan of the KIJHL having coached in it, but this is a fantastic league for the 15-16-year-olds and some 17-year-olds as well.” There is more than a few changes coming to the Kootenay Ice Major Midget team.Not only is the team now based out of the Heritage City but the hockey club is getting the finishing touches put on their own dressing room — the old Nelson Leafs digs — in the Civic Centre Arena.“It is definitely going to be different this year,” said Ice head coach Rob Wright on the eve of the BC Major Midget Hockey League season.“Our whole program is based out of Nelson, we have a new dressing room here and all of our games will be played here in Nelson.”“So instead of what I call in the past a “Gypsy Team” we’re based out of one community.”The BC Hockey Major Midget League was established in 2004 to give the elite 15, 16 and 17 year old players in the province an opportunity to play within their own age group at a high level and be developed for the next level of hockey.Unfortunately, the plan doesn’t work so well here in the Kootenays where there’s the opportunity for many of those same elite players to play in the Kootenay International Junior Hockey League having fives franchises based in the area.“We’re trying to build a professional program and I believe that is a main reason why we’ve been able to get our 16-year-olds back,” explained Wright, who has won the KIJHL title with the Nelson Leafs.
Fans can submit names using the hashtag #sallyssister, by email to [email protected] or in person at Santa Anita with one of the customer service representatives who will timestamp the entry. The fan who submits the winning name will receive lunch for four in the FrontRunner restaurant, a picture with Sally’s Sister and a Carriage Ride at Santa Anita; or a $200 gift certificate from Champions! Gifts & Apparel. In cases of multiple submissions of the same name, the winner will be the first entry received. Arcadia, CA (Dec. 31, 2015) – Sally’s sister needs a name and Santa Anita is asking fans for their help. Entries will be accepted through 5:00 p.m. PT on Thursday, Jan. 7 and the winner will be announced Saturday, Jan. 9, which is also the day the Secretariat Vox Populi (Voice of the People) Award will be presented. The winning name will be chosen by Rickerd. The contest is also open to employees of Santa Anita, many of whom make a daily stop by the carriage barn to visit Sally, her sister and the other carriage horses. The 5-year-old Clydesdale filly, a half-sister to the popular ‘Sally,’ who pulls the carriage in the afternoon for racing officials, arrived at The Great Race Place from her home in Iowa just before Christmas with the name ‘Betsy.’ Santa Anita, however, doesn’t feel the name quite fits the blazed-face gentle giant. “She’s just not a ‘Betsy’,” explained Paige Rickerd, owner of Paige’s Horse & Carriage, who owns Sally and the other carriage horses at Santa Anita. “Sally has so many fans that we are hoping one of them has the right name for her sister.”