Slow growth of Antarctic bryozoans increases over 20 years and is anomalously high in 2003

first_imgSome organisms are particularly appropriate models for investigation of variability intime and space for given environments. The erect bryozoan Cellarinella nutti, an endemic Antarcticspecies, is one such organism: it is extremely abundant, occurs from the polar front to the Antarcticcontinental edge, and preserves a clear macroscopic environmental record in its skeleton (growthcheck lines). We studied variability in the growth of 93 C. nutti individuals at depths between 247and 414 m, at sites 1, 10, 100 and >1000 km apart in the Weddell Sea, Antarctica. Trawled C. nuttivaried from 5 to 23 yr in age, and nearly half the colonies had grown asexually from fragments. Wemeasured the annual growth increments, which ranged from ~18 zooids (8.6 mg dry mass, 0.8 mgash-free dry mass; Age 1) to ~130 zooids (43 mg dry mass, 2.48 mg ash-free dry mass; Age 20). At 9 yr(the modal age), each C. nutti individual had precipitated >182 mg CaCO3, and by 20 yr nearly580 mg. C. nutti grows slowly compared with other erect bryozoans, even those in the Antarctic. Wefound colony and site to be insignificant factors in its growth, despite the large range of distancesbetween sites, but year was highly significant. We found a non-linear increase in growth spanningthe last 2 decades that has no obvious relation to El Niño Southern Oscillation (ENSO)-associatedenvironmental fluctuations. In particular we found that growth in 2003 was greater than in any otheryear measured by a factor of 2. Given its abundance, longevity, ubiquity in Antarctic waters, insignificantspatial variability in growth, but distinct annual variability, C. nutti may prove to be an importantspecies to investigate whether benthic organisms, as well as krill, salps and fur seals, are beginningto develop major climate-related changes in phenology.last_img read more

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Evolutionary geographic relationships among orthocladine chironomid midges from maritime Antarctic and sub-Antarctic islands

first_imgTwo species of chironomid midges are currently described in the genus Belgica Jacobs, 1900. Belgica antarcticaJacobs, 1900 is endemic to parts of the maritime Antarctic, and Belgica albipes (Séguy, 1965) is endemic to ÎlesCrozet, a sub-Antarctic archipelago in the southern Indian Ocean. The relationships between these species, andtheir closest known relative (Eretmoptera murphyi Schaeffer, 1914, endemic to sub-Antarctic South Georgia), wereexamined by sequencing DNA fragments for domains 1 and 3–5 of 28S ribosomal DNA and the mitochondrial genecytochrome c oxidase 1 (cox1). The resulting molecular relationships between the three species were unclear,although their position within the subfamily Orthocladiinae of the Chironomidae, as generated by classicaltaxonomy, was confirmed. Our data reinforce earlier doubts, based on classical morphological approaches, that thegeneric placement of E. murphyi may be incorrect. Further analyses may indeed confirm that the speciesrepresents a third member of the genus Belgica. Genetic distance analysis, limited to the barcode region of cox1,indicated high differentiation between the two populations of B. albipes sampled (one obtained from the typelocation), suggesting the likely presence of cryptic species within this taxon, and that the taxonomic status of thisspecies should be revised. Analysis of cox1 sequences in B. antarctica highlighted a strong genetic structurebetween populations obtained from 12 locations along the Antarctic Peninsula and the South Shetland Islandsarchipelago, with a number of distinctive mtDNA lineages inhabiting geographically distinct areas. In particular,we found four different haplogroups constituting geographically close but genetically distinct populations, a pattern likely to have been encouraged by the brachyptery of the members of this genus. We suggest that the differentgenetic patterns shown by each haplogroup have probably been determined by historical dispersal and colonizationevents during the Pleistocene, and are consistent with their survival in refuges in situ during successive glacialmaxima over this period.last_img read more

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HMS Scott’s New Red Coating Environmentally Friendlier

first_img Authorities View post tag: europe View post tag: Navy View post tag: New View post tag: News by topic June 18, 2014 Back to overview,Home naval-today HMS Scott’s New Red Coating Environmentally Friendlier View post tag: ENVIRONMENTALLY View post tag: Friendlier The coating, called Hempasil X3, is a ‘fouling-release’ material which prevents organisms like barnacles from clinging to the hull. These organisms reduce the ship’s stream-lining and prevent the smooth flow of water across the hull, causing it to burn more fuel to make speed.This particular type of anti-fouling does not contain any biocides which would do harm to the organisms, but rather it provides a surface too slick for them to stay attached to at higher speeds.In addition to saving fuel, the decreased levels of greenhouse gasses produced by the main engines, such as carbon dioxide, sulphur dioxide, and nitrous oxide, will also make the ship more environmentally friendly.A report submitted to Energy and Environmental Research Associates in February of 2011 which reviewed the impact of similar hull coatings on various types of vessels from bulk container ships to ferries showed that vessels consumed an average of 9.1% less fuel with the foul-release coating.In environmental terms, that’s thousands of kilograms of Volatile Organic Compounds (VOCs), or greenhouse gasses, avoided each year and because HMS Scott is an open-ocean vessel which runs at survey speeds for months at a time, this could mean a potential cost savings of over £200K per year.[mappress]Press Release, June 18, 2014; Image: UK Navy Share this article View post tag: Naval View post tag: Coating HMS Scott’s New Red Coating Environmentally Friendlier View post tag: HMS Scott As HMS Scott leaves dry dock and returns to water, a new coating on her hull will save thousands of pounds and will be friendlier for the environment. View post tag: Redlast_img read more

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Commercial Music Adjunct Assistant Professor

first_imgOpen ContinuouslyYes Please visit our Frequently Asked Questions for completeinformation on how to apply online with our District. If you needassistance with any phase of the application process, please call(916) 568-3112 during regular business hours Monday through Friday8:00 AM to 5:00 PM.After hours inquiries should be emailed to [email protected] of applications are by 11:59 p.m. of the posting closingdate. Applicants applying to this Los Rios Community College DistrictFaculty1. A completed Los Rios Community College District ClassifiedApplication (required).2. Resume (recommended).3. Unofficial transcripts of college/university work (indicatingcompleted or conferred date) (required if using education to meetthe Minimum Qualifications of this position). * (“graduate advisingdocuments and grade reports” will not be accepted as unofficialtranscripts) (Required). NOTE : Los Rios employees are alsorequired to submit unofficial copies of transcripts.4. Two (2) letters of recommendation (recommended).5. Letter of Interest (recommended).6. Certification and/or Licenses ( NOTE : list requirement withpositions with additional accreditation MQ)NOTES :● Applications submitted without all required documents, listedabove, will be disqualified. Applicants indicating “see resume” onthe online application will be disqualified.● Graduate advising documents and grade reports will not beaccepted as official transcripts.● It is the responsibility of Los Rios Community College Districtemployees to also provide official transcripts, if required in theminimum qualification for the position. (Within 60 days of the timeof hire, employees are required to submit official transcripts, ifrequired in the minimum qualification for the position).● Individuals who have completed college or university course workat an institution in a country other than the United States mustobtain a complete evaluation of foreign transcripts, degrees andother relevant documents.● A foreign transcript evaluation is required any time foreigncourse work is used to meet minimum qualifications and/or salaryplacement even if the foreign transcript has been accepted by acollege or university in the United States.● Foreign transcript evaluations are ONLY accepted from AICE(Association of International Credential Evaluations, Inc.) orNACES (The National Association of Credential Evaluation Services)agencies or evaluators. Foreign Degree Transcript Evaluations click hereDo not submit additional materials that are not requested.. Physical Demands Posting NumberF00037P * Criminal History Verification and Release: I acknowledge andagree that I understand that by answering the question below, Icertify that the information provided by me is true, correct andcomplete to the best of my knowledge and belief. I authorizeinvestigation of all statements contained herein, and on the P-881(if applicable and submitted), and I release from liability allpersons and organizations furnishing such information. I understandthat any misstatements, omissions or misrepresentation of facts onthis form, my application, and, if applicable, the P-881 orattachment(s) may be cause for disqualification or dismissal. Ifyou have ever been convicted of an offense other than a minortraffic violation you are required to complete the form ‘ArrestsWhich Led to Convictions for Crime’, P-881 (you must discloseconvictions that have been dismissed pursuant to Penal Code Section1203.4; Ed. Code 87008). Please copy and paste the provided URL forthe form -https://losrios.edu/docs/lrccd/employees/hr/forms/p-881.pdf – andattach the completed form to your application.Yes, I acknowledge and agreeNo, I do not acknowledge or agree Minimum Qualifications Department Location Applicant DocumentsRequired DocumentsUnofficial Transcript 1Optional DocumentsResume/Curriculum VitaeLetter of InterestLetter of Recommendation 1Letter of Recommendation 2Equivalency Determination Letter (P-38 or Equivalency RequestStatement)P-881 Report of Arrests Which Led To Convictions For CrimeDocumentUnofficial Transcript 2Unofficial Transcript 3Unofficial Transcript 4Unofficial Transcript 5Foreign Transcript EvaluationCalifornia Community College Instructor’s Credential Application Instructions AboutThe Los Rios Community College District is the second largest,two-year public college district in California, servingapproximately 75,000 students in the greater Sacramento region. Thedistrict’s 2,400 square mile service area includes Sacramento andEl Dorado counties and parts of Yolo, Placer, and Solano countiesand is comprised of four uniquely diverse colleges – AmericanRiver, Cosumnes River, Folsom Lake and Sacramento City colleges. Inaddition to each college’s main campus, the district offerseducational centers in Placerville, Davis, West Sacramento, ElkGrove, Natomas and Rancho Cordova.The Los Rios district office is centrally located in the heart ofthe Sacramento valley. The growing Capital Region has strongcommunities and emergent arts and dining scenes, and is nearby someof the most celebrated tourist destinations in the country – LakeTahoe, Napa Valley and San Francisco. The Sacramento area is agreat place to live and work!StrengthsThe district has approximately 6,000 employees throughout our fourcolleges and district office complex. The District office iscentrally located between all four colleges and provides welcoming,inclusive, and equitable environments for Los Rios students,employees and our community partners. Our departments strive forthe highest quality in all programs, services, and activities, andare focused on advancing the learning of our diverse studentpopulation through improved academic and social outcomes.Our VisionOur colleges offer equity-minded, academically rigorous, studentsuccess centered education. Our objective is to help our studentssuccessfully achieve their academic goals, whether they want totransfer to a four-year college or university, earn an associate’sdegree, or obtain one of more than 100 certificates in high demandcareer fields. Work YearN/A Beginning and/or Ending Dates The Institution Total Hrs per Week/Day The Los Rios Community College District is seeking a pool ofqualified applicants for possible temporary part-time facultyteaching assignments. These positions are filled on an as neededbasis and are on-going recruitment efforts.Adjunct pools are open continuously and applicants arecontacted/hired year round for assignments based on collegeneeds.Teaching assignments may include day, evening, on-line, hybrid,weekend, and/or off campus classes. * Considering this specific position that you are applying to –where/how did you learn about this position?College DepartmentCareerBuilderChronicle of Higher Ed (Vitea.com)Community College Registry Job Fair: OaklandCommunity College Registry Job Fair: Los AngelesCommunity College Registry Online Job BoardCommunity Outreach (ex. Festivals, etc.)CommunityCollegeJobsComunidadCraigslistDiverse: Issues in Higher EducationD’Primeramano MagazineEdJoinFacebook (Campaign)Facebook (Los Rios Page)GlassdoorGreater Sacramento Urban LeagueHandshake (CSU, UC Job Boards)HigheredJobsIndeedInstagramJob SitesJob JournalLatina Leadership Network of the California CommunityCollegesLinkedInLos Rios Community College District EmployeeLos Rios Community College District Human Resources EmailLos Rios Community College District WebsiteLRCCD Resource Group – API (Asian Pacific Islander Legacy)LRCCD Resource Group – Black Faculty & Staff Association(BFSA)LRCCD Resource Group Native American Collaborative (NAC)LRCCD Resource Group – Spectrum (LGBTQIA+)Professional NetworksSacramento Black Chamber of CommerceSacramento Asian Chamber of CommerceSacramento Builders ExchangeSacramento Hispanic Chamber of CommerceSacramento Rainbow Chamber of CommerceSacramentoWorksThe HUBTwitterYouTubeZipRecruiter Work Schedule Offers of employment are contingent upon the successful clearancefrom a criminal background check, freedom from tuberculosis, andproof of identity and eligibility to work in the United Statesprior to the first day of work. The District may select additionalqualified candidates should unexpected vacancies or needs occurduring this recruitment/selection process. When education is arequirement for the position, official academic transcripts fromthe accredited college/university must be submitted within 60 daysof hire. Closing Datecenter_img * Can you perform the essential functions of this position?YesNo Job Posting TitleCommercial Music Adjunct Assistant Professor Posting Date12/15/2016 General Responsibilities:The adjunct faculty member shall be responsible for the following:teaching assigned classes under the supervision of the area dean;helping students fulfill their maximum potential in masteringcourse content; assessing student learning outcomes; maintaining athorough and up-to-date knowledge in his/her regular teachingfield; continuing professional development; utilizing currenttechnology in the performance of job duties; maintaining standardsof professional conduct and ethics appropriate to the professionalposition; assisting with articulation and curriculum developmentand review; serving on college committees and participating infaculty governance including accreditation and studentco-curricular activities; assuming other responsibilities asassigned by the area dean; fulfilling other duties andresponsibilities of an adjunct faculty member as outlined in thecollege faculty handbook. How and where to apply Quicklinkhttps://jobs.losrios.edu/postings/2350 * Please indicate how you meet the minimum qualifications forthis position. Select the appropriate answer.I possess the minimum qualifications for this discipline aslisted on the job announcement. (Attach unofficial transcripts froman accredited college/university and/or evidence of jobexperience.)I possess a valid California Community College Credential forthis discipline. (Attach a copy of appropriate credential withapplication.)I possess qualifications equivalent to those listed and haveattached evidence. (To review Equivalency Process.)I have previously been granted equivalency to teach thisdiscipline by the Los Rios Community College District. (Attach theEquivalency Determination Form P-38 and transcripts.) Posting Details Position Summary Conditions Part-time, Assistant Professor Position. Adjunct pools are opencontinuously and applicants are contacted/hired year round forassignments based on college needs. 1. Have a bachelor’s degree and two years of professionalexperience, or any associate degree and six years of professionalexperience; OR, hold a California Community College Instructor’sCredential in the discipline area; OR, the equivalent.* All degreesmust be from an accredited institution.2. Have an equity-minded focus, responsiveness, and sensitivity toand understanding of the diverse academic, socioeconomic, cultural,disability, gender identity, sexual orientation, and ethnicbackgrounds of community college students, including those withphysical or learning disabilities as it relates to differences inlearning styles; and successfully foster and support an inclusiveeducational and employment environment.*NOTES:● Applicants applying under the “equivalent” provision must attachdetails and explain how their academic preparation and/orprofessional experience is the equivalent of the degrees listedabove.● If your degree title differs from the minimum qualificationslisted above, you are requested to submit this equivalencystatement. Assignment Responsibilities SalaryPlease See LRCCD Salary Schedules LocationLos Rios Community College District (District Office) Additional Salary InformationNo additional salary information to note Special Requirements Supplemental QuestionsRequired fields are indicated with an asterisk (*).last_img read more

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Open Rank Faculty – Public Policy (Hobby School of Public Affairs) – (FAC001590)

first_imgA Curriculum VitaA Letter of InterestEvidence of teaching effectiveness and commitment to mentoringstudentsA statement of research specialization and interestsUp to three representative papersThree names and email addresses of prospective writers ofletters of recommendation. Upon receiving applications, referencesmay be contacted via the online application system to submitletters directly for junior applicants, but not for seniorapplicants (we will inform applicants prior to asking for lettersin that case). The University of Houston is responsive to the needs of dual careercouples and able to provide access to high-quality childcare spotsat the University’s Children’s Learning Centers. The University ofHouston is an Equal Opportunity/Affirmative Action employer, andencourages minorities, women, veterans, and persons withdisabilities to apply.Review of applications will begin December 1, 2020 and continueuntil the position is filled. Questions may be directed to thesearch committee chair, James Granato, [email protected] :A Ph.D. in the discipline and a scholarly record consistent withthe rank is required.Notes to Applicant: Official transcripts are required for afaculty appointment and will be requested upon selection of finalcandidate. All positions at the University of Houston are securitysensitive and will require a criminal history check. Incompleteapplications may not be considered. The Hobby School of PublicAffairs at the University of Houston (UH) seeks to hire threetenured or tenure-track faculty members to begin in Fall 2021. Ourschool is new and we are growing. We are well-supported by UH andwe are interested in applicants who will help chart the future ofour school with fresh ideas, practical experience, and aninterdisciplinary mindset. Our faculty include experts intheoretical, practical, and analytical disciplines associated withpublic policy and we seek to complement that collective expertisewith the three new hires. The University of Houston is a CarnegieDesignated Tier One Research University and is one of the mostracially and ethnically diverse institutions in the nation.Competitive candidates may have expertise in one or more of thefollowing areas or in another foundational area of public policy orpolicymaking:Philosophy or ethics of some area of public policy,including, but not limited to, education, energy, the environment,health, housing, immigration, or in a theoretical perspective suchas race, gender, governance, or markets that cuts across andinforms diverse policy areas.Policy data formulation and analysis – Individuals withcross-cutting disciplinary and/or methodological interests areencouraged to apply. Candidates with strong formal andmethodological skill sets in areas including, but not limited to,data visualization, decision algorithms, GIS, natural languageprocessing, network analysis, small area models, survey researchmethods, laboratory and/or field experiments, and probabilisticforecasts are of high interest.Some core area of public policy and policymaking, including,but not limited to, education, energy, the environment, foreigneconomic policy, health, housing, immigration, public finance,voting, political institutions, political economy, social mobility,urban and community development, or other significant public policyareas.In the selection process, the Hobby School will prioritizecollaborative scholars who demonstrate their experience and desireto: (1) engage in nationally-recognized, interdisciplinary work onsignificant public policy issues, (2) are interested in workingwith diverse populations, and (3) demonstrate an eagerness tocontribute to undergraduate and graduate education and studentsuccess.To apply, please provide the following:last_img read more

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Holcomb Pledges To Spend $250M From Surplus On 2021 To Increase Indiana School Funding

first_imgFacebookTwitterCopy LinkEmailShare But teachers would still have to wait. While Republicans plan to spend some of the state’s surplus this year on previously approved higher education construction projects, Holcomb held fast that spending this surplus money for schools would have to wait until the state’s budget is opened next year.“I am disappointed Indiana continues to delay necessary action,” said State Superintendent Jennifer McCormick in a statement after the address. “Insufficient school funding resulting in inadequate teacher compensation impacts 1.1 million students, 78,000 Hoosier educators, and the future of our great state. Students cannot afford to lose more great educators while Indiana decides if we can afford them.”Democratic leaders and the Indiana State Teachers Association also said there’s no reason lawmakers can’t allocate money to schools this year.“No law says we can’t open the budget this year,” said Senate Minority Leader Tim Lanane. “That’s just smoke and mirrors.”Teacher pay has become a top issue in Indiana, which trails neighboring states in teacher compensation. In 2016-17, Indiana teachers made an average salary of $50,554, according to the National Center for Education Statistics, but starting salaries can be as low as $30,000.Tuesday’s proposal is similar to what Holcomb and lawmakers did last year, when the state used $150 million of its reserves to pay down a pension liability to reduce schools’ expenses statewide by about $65 million a year for two years.“Together, that’s $115 million more available annually to increase teacher pay with more to come after the compensation commission releases its recommendations,” Holcomb said.This new plan could also face similar criticisms — it leaves additional money to the state’s general fund but doesn’t require money to go to teachers. The $50 million per year would equate to relatively small raises for Indiana’s roughly 70,000 public school teachers. Lawmakers previously estimated it would cost $315 million to raise educators’ salaries by 5% over two years.Republican House Speaker Brian Bosma called the approach “sound fiscal policy,” saying lawmakers are taking a careful approach by waiting until 2021 to make sure the state is prepared for a potential downturn in the economy.As for the other education issues lawmakers will address this year, Holcomb listed priorities Republicans have touted before: eliminate unnecessary paperwork and unfunded requirements for schools, make a 15-hour externship optional for teachers renewing their license, and hold schools harmless from low ILEARN scores for two years. Holcomb Pledges To Spend $250M From Surplus On 2021 To Increase Indiana School Fundingcenter_img By Emma Kate FittesIndiana Gov. Eric Holcomb pledged to free up $50 million for schools in 2021 during his State of the State address Tuesday night — an unusually early announcement that comes as he faces pressure and criticism from teachers.The state would tap into its more than $2 billion in reserves to pay down the state’s teacher retirement fund under Holcomb’s proposal. In turn, the one-time $250 million payment would leave the state with an additional $50 million a year going forward, which Holcomb said he wants to go toward teacher pay.The plan appears to be Holcomb’s response to mounting pressure from teachers after thousands rallied at the statehouse in November. The Republican governor, who is running for re-election this year, initially said he would wait to tackle the issue until his teacher pay commission produces a report this spring after the legislative session ends.last_img read more

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Phish, Grateful Dead Vinyl Among Those Included On Full Record Store Day List

first_imgRecord Store Day is fast approaching, giving independent record stores nationwide a chance to share some exclusive and limited edition releases to fans everywhere. With RSD set for April 16th, the organizers have shared the complete list of vinyl available for the musical holiday.The full list, which can be seen here, includes a number of intriguing options. As previously reported, Phish’s Hoist album will be featured as a “First Release” on RSD, though it will be available everywhere just one week later. A four-LP box set of the Grateful Dead’s live performance at the Passaic, NJ Capitol Theatre on 4/25/77 is an exclusive release for RSD, as are a number of David Bowie albums.Releases from The Doors, Bob Dylan, Miles Davis, Flaming Lips, Fleetwood Mac, Florence + The Machine, Jethro Tull, Rich Robinson, Sex Pistols, Talking Heads, The Weeknd, Tom Petty & The Heartbreakers, Warren Zevon, Willie Nelson, Man Man, John Frusciante, Frank Zappa, Jimi Hendrix, Metallica, Sublime, Ramones and SO MANY MORE are all featured on the list.Be sure to head to your local record store on the 16th of April for this one-of-a-kind release day.last_img read more

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Full Cast Set for Anastasia on Broadway

first_img The complete cast is now set for Anastasia on Broadway. The new musical, directed by Tony winner Darko Tresnjak and inspired by the 1997 animated film of the same name, will begin performances on March 23 at the Broadhurst Theatre.As previously announced, the new musical will star Christy Altomare in the title role, Derek Klena as Dmitry, Ramin Karimloo as Gleb and Mary Beth Peil as Dowager Empress Maria, Caroline O’Connor as Countess Lily Malevsky-Malevitch and John Bolton as Vlad Popov.Rounding out the company are Zach Adkins, Sissy Bell, Lauren Blackman, Kathryn Boswell, Kyle Brown, Kristen Smith Davis, Janet Dickinson, Constantine Germanacos, Wes Hart, Ian Knauer, Ken Krugman, Dustin Layton, Shina Ann Morris, James A. Pierce III, Molly Rushing, Nicole Scimeca, Jennifer Smith, Johnny Stellard and Allison Walsh.Featuring a score by Stephen Flaherty and Lynn Ahrens and a book by Terrence McNally, Anastasia tells the story of a brave young woman attempting to discover the mystery of her past. The musical will feature tunes from the film, including Ahrens and Flaherty’s Oscar-nominated “Journey to the Past,” as well as original songs. Opening night is set for April 24. Related Shows View Comments Derek Klena & Christy Altomare in ‘Anastasia'(Photo: Joan Marcus)center_img Anastasia Show Closed This production ended its run on March 31, 2019last_img read more

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48 Hours in Richmond, Virginia

first_imgNative Knowledge:“If you’re the disc golfing type, Richmond is a great place to live. I like to head to Gillie’s Creek, Bryan Park, and University of Richmond to play but my favorite course is at Dorey Park. It’s all in the woods and just an overall beautiful place.” –Ryan Crenshaw, Whitewater rafting guide and owner of guitar repair shop“Richmond is awesome because you can eat at just about any place you can imagine, explore amplitudes of breweries, be on the water all day hitting class IV rapids, work as a river guide and not be in some secluded small town living in a camp, and be in the city one minute and completely immersed in nature the next.” –Ben Moore, Paddleboard Instructor at Riverside Outfitters, ACA Instructor, and Professional paddle board racer—All Photos Courtesy of Richmond Region Tourism Outdoor highlights in Richmond include paddling the James River, mountain biking the historic Belle Isle, and road biking Riverside Drive. The area also provides access to public lands like Pocahontas State Park, the Dutch Gap Conservation Area, and the Appomattox River Conservation Area. Use this guide to ’48 Hours in Richmond’ when planning your next trip to this adventurous southern city.Day One:Run, hike, or mountain bike in Forest Hill ParkWith origins as a quarry, an estate, and then an amusement park, Forest Hill Park is now home to over 100-acres of green fields and wooded areas. It’s the ideal place to go for a picnic, a walk, or to put your mountain biking skills to the test. The technically challenging and narrow single track at Forest Hill features a few steep climbs and downhill sections as well as zig zagging switchbacks. Though not as difficult as the highly strenuous and challenging Buttermilk trail in Richmond, Forest Hill trails will leave you sweaty and smiling.On Saturdays be sure to check out the enormous farmer’s market which features nearly 100 different farmers and artisans selling locally grown produce and other handmade crafts. For those with a sweet tooth, satisfy your sugar craving with home made donuts.Paddle the James RiverNot far from Forest Hill Avenue you will see Riverside Outfitter’s welcoming old building decorated from head to toe with retired adventurer’s gear that is sure to have stories of past times on the river. Besides the usual kayak and canoe rentals found at most river outfitters, they offer the unique opportunities of not only urban whitewater rafting, but guided paddleboarding down the upper section of the James River. As the largest whitewater paddleboarding program in the world, these experienced and knowledgeable instructors teach people of all skill level the safety and technique they need before heading out on the water to tackle a rare and thrilling adventure.James River Rafting DowntownReach the top at Peak ExperiencesOne of the largest indoor rock climbing centers in the United States, Peak Experiences is just a few miles west of downtown Richmond. From beginner to avid climber, you’ll be sure to find a climbing route that suits your taste. A friendly and professional staff, not lacking in climbing experience, is ready to belay you to one of more than 120 top-rope routes that reach heights up to 50 feet. If your arms and legs aren’t too shaky after top-rope or lead climbing, head to the bouldering wall to work on your skills and technique.Day Two:Explore the scenic and historical Belle IsleWith a city skyline as your backdrop, you might find yourself in shock once you walk across a hanging footbridge onto the beautiful island filled with nature’s bounty. Belle Isle was a prison during the Civil War, but now it’s one of the most popular locations for locals looking to hang out on the rocks and watch paddlers take on the dangerous rapids engulfing the island. Walk or bike the short loop around the island to explore the surrounding river, small cliffs, and old buildings of the once running hydraulic power plant.Something for everyone at Maymont ParkPet the goats, frolic through the Japanese and Italian gardens, tour the historic mansion, and walk amongst the many animals living indoors in the nature center or outdoors at the farm. Maymont’s 100 acres offers something for everyone and every age. When the weather is warm, you can usually catch a concert on the grounds from rising jazz musicians to big names like Old Crow Medicine Show.Food:The Daily– Located in the Carytown District, this kitchen and bar offers a wide selection of unique vegetarian and vegan foods, many that include organic and local produce.Millie’s Diner– Where one local told me he would eat his last meal, Millie’s has some of the tastiest and tantalizing foods you have ever heard of. Head there for brunch and check out the mouthwatering lump crab and scrambled egg enchilada.Galley– After a guided paddling trip with Riverside Outfitters, head across the street and grab one of five sizzling burgers named after rapids on the James River. One example is the Lulu burger piled with brie cheese and juicy apple slices.Legend Brewing Co. – With a scenic deck that sits alongside the river and plenty of tasty lagers and ales to quench the beer savvy tongue, Legend is a popular location to locals and tourists alike.Ginger Juice– Mainly found at farmer’s markets and other local events, this refreshing juice bar offers cold pressed, all natural juice. Cool down with a refreshing green apple, pear, and mint juice.Nightlife:The National: A renovated old theater has transformed into the best location in Richmond to see big name bands all while being so close and personal that you might feel the sweat dropping off of their faces.The Camel: Open all week long, The Camel hosts a variety of live music and smaller bands that will play their hearts’ out while you enjoy a full menu of delicious foods for brunch or dinner.Hardywood Park Craft Brewery: Catch them on a Thursday evening to chow down from one of sixteen different local food trucks while enjoying a delicious beer or three. If you can’t make it on a Thursday, check out their calendar to see what other fun events are going on!Lodging:Pocahontas State Park offers camping as well as cabins for those who enjoy more shelter, and beautiful lakes to fish, boat, or just gaze across.The Jefferson Hotel is just a short mile from the James River and was built in 1895. It’s grand and historic look is one of the most beautiful structures in Richmond.Upcoming Events:RVA Fireworks on the James: Virginia’s largest fireworks display will be held July 3rd on Brown’s Island overlooking the James River and is free to the public.UCI Road World Championships is to be held in Richmond this year. This event will bring together the best road bikers from across the world to compete in Championship races to claim the gold. September 19th-27th, 2015last_img read more

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Discovering new growth opportunities for your direct auto loan portfolio

first_imgThe automotive lending market is rapidly evolving, and credit unions must find unique methods to generate auto loans if they expect to keep up. In order to address business and profitability challenges, credit unions must be efficient, innovative, and responsive to their members and the ever-changing auto financing environment. Technology is reshaping the way consumers shop for vehicles, allowing them to compare prices, research vehicle features, and read reviews on dealers in the palm of their hands through applications like AutoTrader, Carvana, and TrueCar. Likewise, they expect the same kind of accessibility when it comes to securing financing. The evolution of such mobility and financing options combined with increasing regulatory oversight, operational risk management, and consumer expectations are dramatically changing the “rules of the road,” forcing industry participants, like credit unions, to rethink their approach to the business and adapt to industry changes.As the complexity of doing business has grown, so has the need to streamline business processes to manage assets effectively and efficiently. The most successful auto lenders focus their operations on managing risk exposure, while still maintaining acceptable yield, leveraging size and scale to optimize processing efficiency, and, probably most importantly,  striving to meet the needs of their members. Determining the members’ needs is part skill, part luck.  Often a member will not be in the market for a vehicle until something forces their hand.  An aging existing vehicle that brings the possibility of a large repair bill in the not-to-far future or a current breakdown that is too costly to repair can lead to a new vehicle purchase at the spur of the moment. Changes in creditworthiness or income can lead to exploring refinancing existing loans to take advantage of lower rates or longer terms to decrease payments.  Trying to read the crystal ball of auto lending can overwhelm even the savviest and experienced lender.By taking advantage of the “technological evolution” occurring in the auto lending market, credit unions that  utilize emerging lending programs, such as outsourced loan recapture and ”no-hit” prequalifications, are quicker to reach auto loan prospects when they are shopping for their next vehicle, leading to huge opportunities for portfolio growth and greater market share. When credit unions take advantage of outsourced lending services, some of which offer mobile platforms for improved member experience, they can accommodate borrower schedules and hectic lifestyles.  “No-hit” prequalifications provide the member with peace of mind while rate shopping, allowing them to determine if an offer that works for their situation is even plausible or attractive.  Both programs are convenient for the member and deliver a better experience than the traditional vehicle shopping/financing model, while allowing the credit union to effectively achieve their loan growth goals. In addition to growth and improved member service, the additional benefits of outsourced lending include increased revenue, and market share, and can result in increased member wallet share.Increased Revenues and GrowthSince 2014, deposits have been on the rise, surpassing $1 trillion, giving credit unions the necessary cash flow to increase lending, and in turn, revenue.  While many lenders look to indirect lending to push their portfolio higher, the stability offered by direct loans, along with the decreased capture costs, keep credit unions looking for ways to build a strong direct loan portfolio, fueled by new opportunities to lend to new and existing members.  In 2015, indirect lending grew 18.8% year-over-year, while the direct lending channel only grew 7.6%.  Your members need auto loans, and may be heading to the dealership before giving you an option to serve them.  With the right tools, the lending pendulum can starting moving toward those direct loans that we’re looking to capture to maintain valuable member relationships.Increased Market ShareConsumers are shopping for and financing vehicles, but without reaching them at the time when they most need your services, you are missing out on a substantial piece of the auto loan market; an industry that according to a July 2017 Raddon Report, grew by 26 million units from 2011 to 2016. Building strong partnerships with outsourced lending providers and embracing new technologies that can deliver a turnkey program can provide your existing members with access to convenient financing, introduce new members to your credit union’s auto loan program, and a provide significant boost to your credit union’s bottom line. Click here to learn about AUTOPAY, a mobile direct-lending platform that can accelerate the growth of your auto loan portfolio by giving you access to more than 80 million new consumers! 26SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Crystal Bullard As Manager of Business Development for SWBC’s Financial Institutions Group, Crystal Bullard works with lenders to increase their interest and non-interest income through programs such as AutoPilot Lending and … Web: https://www.swbc.com Detailslast_img read more

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