Let’s Meet: Holding virtual and postponed annual meetings

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Back in late March we blogged about NCUA Letter to Federal Credit Unions 20-FCU-02, which provided an option for FCUs to hold their annual meetings virtually, and reminded FCUs of the option to postpone their annual meetings to a later date in the 2020 calendar year. In today’s blog, I’ll take a deeper dive into some related questions that NAFCU’s compliance team has received about annual meetings recently. State-chartered credit unions will want to look to their applicable state laws for any guidance on postponing meetings or holding them virtually.When can FCUs hold a virtual annual meeting or delay its annual meeting?As detailed in the blog linked above, NCUA issued a letter to federal credit unions on March 20, 2020, in light of the COVID-19 pandemic and President Trump’s declaration of a National Emergency. In the letter, NCUA provided a bylaw amendment that FCUs could adopt immediately by a 2/3 vote of their board, which would allow for them to hold their annual meetings virtually rather than in-person. A footnote in the letter clarified that holding a meeting virtually includes “webcasts, teleconferences, virtual meeting rooms or similar means that permit members to listen, vote as necessary, and participate.”Importantly, this does not appear to be a mere temporary change to address COVID-19; rather, it appears to be a permanent bylaw amendment that FCUs will be able to use in the event of future emergencies or disasters, provided it is properly adopted by the board. However – as noted in the text of the amendment – a declaration of emergency or disaster is required to trigger the virtual meeting option, meaning that this bylaw amendment will not permit FCUs to have a virtual annual meeting in future years if no such declarations are in effect. continue reading »last_img read more


Rating changes

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Axis and Meristem team up on crop inputs

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Axis Seed of Ohio, LLC and Meristem Crop Performance, LLC announced today a strategic alliance agreement that will disrupt traditional inefficient marketing channels by bringing more crop input options to Ohio farmers. Axis is an independent direct-to-farm genetics company that has the unique ability to bring corn hybrids and soybean varieties to market that deliver exceptional performance in soil types specific to key Ohio counties. Meristem is a direct-to-farm supplier of micronutrients, seed treatments, nitrogen stabilizers, spray adjuvants and plant growth regulators widely used across the corn belt with proven results.“The farmers that I have served in Ohio over the last 20 years are aggressively seeking solutions to produce more output per unit input,” said Nathan Louiso, Axis of Ohio president. “The Meristem leadership team and proven product portfolio will allow farmers and organizations in Ohio that choose to align with Axis to remove costly inefficiencies in their operations.”In late 2018, Meristem and Axis established a preliminary co-marketing agreement to put select Meristem products to work in Ohio farm fields. The success of the initial program has led to the creation of a broader strategic alliance where Axis will distribute the entire Meristem portfolio across Ohio.“I am thrilled to work with Nathan Louiso and Axis Seeds in Ohio. Nathan’s track record of customer service and agronomic excellence is unmatched,” said Mitch Eviston, president of Meristem Crop Performance. “Together Meristem and Axis can bring yield optimizing solutions direct to farm businesses to drive out wasteful expenses caused by an antiquated crop input retail and distribution system.”Meristem and Axis look forward to formally engaging with farmers and kicking off their new relationship at Farm Science Review 2019.last_img read more


Winterizing Tips That Work

first_imgRELATED ARTICLESStupid Energy-Saving TipsEnergy Upgrades for BeginnersAir Sealing an AtticWhat Should I Do With My Old Windows?Air-Sealing a Basement Of course, everyone knows that caulking your windows and weatherstripping your doors won’t help you much. Right?Well, all the cool kids do anyway, and that includes you because you’re here reading this article. A lot of the standard advice on getting your home ready for winter is filled with bunk. That includes the stuff that comes from many utility companies and famous people who try to help you save money, like Clark Howard. But what should you really do to prepare your home for an efficient and cozy winter?Today, I’ll give you some tips that will be much more effective than caulking the windows. Ready?1. Identify your painWhat’s your motivation for wanting to do something about your home? Are you dreading getting those utility bills? Do you have rooms that you just can’t use in winter? Does your house start smelling musty? Does that condensation on the windows bother you? The first step is to identify your pain because that’s where you’ll find the motivation to do anything about the problems. It’s also critical in identifying the sources of those problems.2. Assess your ability and bring in the prosFirst, a little Building Science 101: A house is a system. If you don’t understand how all the pieces work together, don’t try to do too much yourself. A lot of DIYers with great intentions end up costing themselves more money or even poisoning their families because they don’t understand the potential impacts of changes they make.For example, if you have a natural draft water heater in the laundry room, sealing up that room could cause backdrafting and put carbon monoxide into the air inside the home. Even worse, he most likely time for this to happen is when the family goes to bed at night and closes the bedroom doors.Hey, I hope to die in my sleep, but I want it to happen when I’m old and feeble. (I sometimes tell people I want to die peacefully in my sleep, just like my grandfather… not screaming in terror like the people who were in the car with him. That’s a terrible joke, though, and if you get in trouble for it, don’t tell them you got it from me.)Anyway, changing the filter in your heating system or making other minor changes is probably OK, but if you’re making significant changes, hire a pro. Certified BPI Building Analysts or RESNET Home Energy Raters can help.3. Fix the big leaks at the top and bottomThis was the focus of my article last week. That’s where the bigger holes are and that’s where the bigger pressure differences are. You’ll stop a lot more air leakage by fixing them first. The photo below shows how I sealed up the bathtub hole in a house.4. Install a Chimney Balloon (or similar product)One of the biggest holes in many older homes is the chimney. Some older fireplaces have no damper, and a lot of air can leak in or out of the house there. The Chimney Balloon is a great product for filling that hole and reducing air leakage and drafts.Jeffrey Sauls here at Energy Vanguard put one in his house and cut his measured air leakage by nearly 20% with just that one measure. (His blower door result went from 5,700 cfm50 to 4,700 cfm50.)5. Get fitted for Indow WindowsDoes condensation collect on your windows? If you have single pane windows, the glass will be very cold in winter. When the dew point of the air in your home is higher than the window temperature, your window becomes a dehumidifier.One way to solve that problem is to put another surface between the window and the home’s air. Plastic films have been around for decades to help with this. I’ve even seen some winterization articles suggest using bubble wrap.A much more elegant way to do it, though, would be to use Indow Windows. These are basically interior storm windows that make a nice snug seal in the window frame. They help prevent condensation as well as reduce heat loss through the windows.6. Fix any disconnected ductsThat photo of the disconnected duct at the top of the article is one of many in my collection. This is not an uncommon failure in homes. When all or most of the heated air that’s supposed to be going to a room is instead dumped into the attic, crawl space, or basement, you have a big opportunity to improve your comfort and cut your heating bills. If you’re in snow country, you also might solve or reduce your ice dam problem.7. Get rid of unvented space heatersI’ve been writing about this since the beginning of this blog. Unvented combustion space heaters put a lot of water vapor into your home’s air. They have the potential to put carbon monoxide into the air, too. They’re just not a good idea at all. If you really want to use a space heater, get an electric one. If you heat your entire home with unvented space heaters, it’s time to consider upgrading to a safer and more efficient system.8. Make your attic insulation flat, not lumpyThe same amount of insulation in your attic can either drain your wallet and keep your cold, or save you money and keep you warm. It depends on how it’s installed. Ideally, the insulation should provide a complete and uniform coverage. If it’s lumpy, you’ll have a lot more heat loss.See my Flat or Lumpy article for details.9. Insulate your attic hatch or pull-down stairsOne little, tiny bit of uninsulated area in your attic can result in a mind-blowing reduction in your average R-value. If you’ve got R-30 over 99% of your attic and have only 1%, which could be the attic hatch, at R-1, your average R-value drops to R-23. If you have R-38 over 99% of the attic and R-1 for that last 1%, your average R-value is a mere R-27. The same applies to other uninsulated parts of your home.If your mind blown?10. Fix the attic kneewallsAh, attic kneewalls. They’re often one of the weakest parts of a home’s building enclosure. The insulation is falling out. Holes go right through to the attic. The doors aren’t sealed. Even with a comfortable air temperature in the room with attic kneewalls, you may be uncomfortable because the walls themselves get so darned cold in winter.What you need to do is:Seal all the air leaksFill the cavities with insulation (ideally installed to Grade 1)Put a rigid sheathing material on the attic side of the wallThis isn’t a complete list of tips, of course, but it’s a good start. Again, though, let me encourage you to hire a pro. They can look at the house as a system and see things you might not have thought of. They also have equipment and tools that most homeowners don’t have and can help you put your money and your efforts where they’ll do the most good. (By the way, if you’re looking for a more complete list of general tips, check out Sean Lintow’s blog article: Top 5 of 5: Getting ready for ole man winter.)Here’s to a warm and cozy winter in your home! Allison Bailes of Decatur, Georgia, is a speaker, writer, energy consultant, RESNET-certified trainer, and the author of the Energy Vanguard Blog. Check out his in-depth course, Mastering Building Science at Heatspring Learning Institute, and follow him on Twitter at @EnergyVanguard.last_img read more


Inspiration! 16 Impressive TV Show Opens & Main Titles

first_imgThe following innovative main title sequences present the theme of a television show in a totally unique and creative way.  Use these show opens as inspiration for your own work!Nat Geo Ancient Secretsby LUMBREAward-winning show open for the National Geographic Channel’s “Ancient Secrets”.  Dive through Renaissance era imagery to reveal the show title. Clean, engaging design.Rubicon Main Titlesby Jeremy Cox / Imaginary ForcesTitle design heavyweights Imaginary Forces created this Emmy nominated show open.  Well executed sound design drives the action.  Interesting approach to convey feelings of covert, top-secret activity. Blackstoneby Studio DialogGritty show open created from photos, black and white footage and A LOT of dust and dirt overlays!  Interesting music choice to reinforce the imagery.Borgen/Governmentby Benny Box Great transitions and compositing in this show open for a Danish TV series.  Unified color palate and graphic treatment, create a clean design.Clashby alexandre pluquet Stop motion video animation combining scenes from this French series. Graphic collage style similar to the popular opening of the film Juno. Animation and composting done in After Effects.Age of Persuasionby Jonathan HowellsTravel through the history of advertising in the main titles for this CBC television series.  Created in Cinema 4D and composited in Apple Motion.Prófugosby feelsAwesome color treatment!  A traveling bullet unifies the opening titles for this Chilean television show (“Fugitivies”).   Mysterious and edgy! SPYby Gavin LambSaul Bass inspired open with a nostalgic feeling.  Retro style graphics and music work together to create a cohesive 1950’s concept. Person of Interestby Andrew KramerVideoCopilot.com’s Andrew Kramer created this high-tech title design. Great use of motion tracking in this futuristic title sequence. Red Bull Big Tuneby Johnny LikensEdgy, urban themed open for a Red Bull sponsored hip-hop TV show. Awesome use of motion tracking (text and graphics).  Jump cuts and frenetic transitions give this show open it’s gritty, hip vibe.Show & Tellby Blac IonicaSplit screen show open with great juxatposition of images (playing off the “show and tell” theme).  Great use of color!  Shot on the Canon 7D, edited in Final Cut Pro and composited in Adobe After Effects. Lawrence Leung’s Unbelievableby Patrick Clair Look into Lawrence Leung’s ViewMaster (remember those!?)  Cohesive concept, using the ViewMaster images to highlight show subjects.The Pacificby Imaginary ForcesImaginary Forces knocks it out the park with this open for HBO’s The Pacific.  Beautiful footage of sketches unfolds into battlefield scenes. Nominated for an Emmy award for Outstanding Main Title Design.Intrepid Outdoorsby Fire Tribe ProductionsFuturistic effects and motion tracking create a modern, edgy spin on the outdoor show genre.  Innovative!The Totally Rad Showby Jake1980’s throwback images and retro color grading create a fun, futuristic vibe.  Graphics created in Cinema 4D with most of the compositing done in After Effects. Les Bleus De Ramvilleby Jay BondUnique lighting, motion flares and stylized graphic elements combine for a well executed hockey themed open.  This award-winning open was shot on the RED and Canon 5D Mark II.last_img read more


Enjoying summertime in San Diegos Ocean Beach town

first_img 00:00 00:00 spaceplay / pause qunload | stop ffullscreenshift + ←→slower / faster ↑↓volume mmute ←→seek  . seek to previous 12… 6 seek to 10%, 20% … 60% XColor SettingsAaAaAaAaTextBackgroundOpacity SettingsTextOpaqueSemi-TransparentBackgroundSemi-TransparentOpaqueTransparentFont SettingsSize||TypeSerif MonospaceSerifSans Serif MonospaceSans SerifCasualCursiveSmallCapsResetSave SettingsOCEAN BEACH (KUSI) – Ocean Beach is a calm beach town known for it’s unique vibe, but there’s so much more to it.KUSI’s Ashlie Rodriguez was lucky enough to spend Tuesday afternoon in Ocean Beach where she spoke with some locals enjoying summer, took a look inside the “Reset Float Therapy,” and toured the area’s popular “The Black” store. Posted: June 26, 2018 Categories: Local San Diego News FacebookTwitter June 26, 2018 Enjoying summertime in San Diego’s Ocean Beach town Ashlie Rodriguez, Ashlie Rodriguez last_img read more


Proposed Circus Cruelty Prevention Act impact on animal refuges

first_img February 28, 2019 KUSI Newsroom, Posted: February 28, 2019 Proposed Circus Cruelty Prevention Act impact on animal refuges KUSI Newsroom 00:00 00:00 spaceplay / pause qunload | stop ffullscreenshift + ←→slower / faster ↑↓volume mmute ←→seek  . seek to previous 12… 6 seek to 10%, 20% … 60% XColor SettingsAaAaAaAaTextBackgroundOpacity SettingsTextOpaqueSemi-TransparentBackgroundSemi-TransparentOpaqueTransparentFont SettingsSize||TypeSerif MonospaceSerifSans Serif MonospaceSans SerifCasualCursiveSmallCapsResetSave SettingsSAN DIEGO (KUSI) – State Senator Ben Hueso recently introduced a bill aimed at prohibition on use in traveling animal acts but according to the organization Wild Wonders the bill would basically be the death of wild animal refuges in California.Senate Bill -313 also known as the Circus Cruelty Prevention Act proposes would prohibit a person from using, or allowing to be used, a wild or exotic animal, as defined, in a traveling animal act.The part that Wild Wonders Execuative Director Jackie Navarro says will impact the program is the bill would prohibit outreach educational programs unless they are provided by an organization which is accredited by the Association of Zoos and Aquariums or the Global Federation of Animal Sanctuaries.“Wild Wonders and hundreds of other smaller private zoos will go out of business, and the incredible learning opportunities provided to children will cease to exist,” said Navarro. Categories: Good Morning San Diego, Local San Diego News, Politics FacebookTwitterlast_img read more