Category «gaqehxujjogyrmbo»

Thesis project goes green

first_imgWhen senior graphic design major Megan Malley chose sustainability as the topic of her thesis project, she discovered more than 100 colleges across the country have banned the sale of plastic water bottles on campus. “I was surprised that a university as socially and environmentally conscious as Notre Dame has not considered doing the same,” she said. Today, Malley will showcase a portion of Notre Dame’s waste through an large artistic installation on South Quad. She collected 1,000 plastic water bottles from around campus, and she will display the bottles to demonstrate the scale of waste generated by plastic bottle use. Malley said she hopes displaying the statistic in a physical way will help people understand the environmental impact of the waste more clearly. “Growing up in the Northwest, I was always taught to consider my carbon footprint, so my family recycled and composted everything we could,” Malley, a resident of Seattle, said. Through her research, Malley discovered plastic water bottles are the fastest growing form of waste in the United States. She said she was incredulous such a large environmental impact results from a product whose manufacture is unnecessary in the first place. The use of disposable water bottles is even more unnecessary at Notre Dame than most other locations, Malley said. “Every building has at least one drinking fountain with clean and safe water, and over 32 have hydration stations that fill large bottles in seconds,” Malley said. “The convenience of clean tap water makes it exceptionally easy to avoid spending money on water bottles.” Malley said her research demonstrated that advertising from the plastic water bottle industry leads consumers to believe bottled water is somehow safer than tap water. In reality, tap water undergoes stricter and more frequent health checks, she said. Malley said she hopes her thesis project will educate the campus about the day-to-day impact of using disposable bottles and spark activism in the Notre Dame community. Her education tools include today’s installation, her website, takeawayplastic.com and a book and a film she is creating for the project. “Eventually, I hope to enable an official campus-wide ban [on the sale of plastic water bottles],” Malley said. Malley said students should more closely consider the impact their daily habits have on the environment. As an academic community, Notre Dame should be more conscious of its effect on the environment, she said, and should make decisions to reduce plastic waste as much as possible. “By refusing to purchase bottled water, a college campus can substantially decrease the plastic waste generated each year,” she said. Malley’s thesis project will be displayed in the Snite Museum of Art from Apr. 7 to May 20. The exhibit will include her book, video and photos of her installation.last_img read more

1997

first_img A Peruvian Soldier peers from a hole in the ground outside the home of the Japanese ambassador in Lima, Peru, on April 23, 1997. The previous day, Peruvian troops stormed the residence and ended a four-month hostage crisis, freeing 72 captives of the rebel group Túpac Amaru Revolutionary Movement (MRTA). Soldiers used tunnels to approach the residence and surprise insurgents. Operation Chavín de Huántar was to last four minutes, but it took more than 40, according to one of the officers who led the operation. By Dialogo January 01, 2013last_img read more

Peruvian Army Captures 2 Alleged Members of Shining Path Terrorist Group

first_imgFor example, in their efforts to dismantle drug trafficking infrastructure, Peruvian security forces have destroyed at least 54 clandestine landing strips used by narco-traffickers since 2011. The majority of the runways were 500 meters long, 10 meters wide and were located in the VRAEM. “The most important aspect is that measures have been adopted and each one of them has been estimated to encourage VRAEM’s sustained progress, which is irreversible,” Luis Rojas, the executive secretary of the Multisectoral Commission for Pacification and Economic Development of the VRAEM, told reporters. A world free of drugs and crime In 2012, criminal organizations cultivated more than 60,000 hectares of coca crops in Perú, according to the United Nations Office on Drugs and Crime. Perú is home to 13-coca growing regions, with 60,400 hectares used for coca cultivation. Ninety-three percent of the country’s coca is used for the drug trade, with the remaining plants used for traditional consumption and industrial use, according to Peru’s National Commission for a Drug-Free Life (DEVIDA). Security operations in the VRAEM “The most important aspect is that measures have been adopted and each one of them has been estimated to encourage VRAEM’s sustained progress, which is irreversible,” Luis Rojas, the executive secretary of the Multisectoral Commission for Pacification and Economic Development of the VRAEM, told reporters. In 2012, criminal organizations cultivated more than 60,000 hectares of coca crops in Perú, according to the United Nations Office on Drugs and Crime. Perú is home to 13-coca growing regions, with 60,400 hectares used for coca cultivation. Ninety-three percent of the country’s coca is used for the drug trade, with the remaining plants used for traditional consumption and industrial use, according to Peru’s National Commission for a Drug-Free Life (DEVIDA). Army officials suspect Meléndez Borda is a cousin of the late Shining Path leader Orlando Alejandro Borda Casafranco, who was also known as “Comrade Alipio.” The Armed Forces killed Comrade Alipio during a military operation in the VRAEM in August 2013. Confronting and capturing Shining Path operatives, cracking down on narco-flights, dismantling the infrastructure used by drug trafficking groups to transport drugs, and improving social conditions in the region are all part of the federal government’s strategy to defeat drug trafficking in the VRAEM. The Peruvian Army recently captured two suspected members of the Shining Path terrorist group following a gunfight in the Valley of the Apurimac, Ene and Mantaro Rivers (VRAEM) region. Army officials suspect Meléndez Borda is a cousin of the late Shining Path leader Orlando Alejandro Borda Casafranco, who was also known as “Comrade Alipio.” The Armed Forces killed Comrade Alipio during a military operation in the VRAEM in August 2013. While security forces are combatting drug trafficking, the federal government is taking steps to improve social conditions in the VRAEM. The government has approved about $586 million (USD) to develop social programs, housing, agriculture and a highway for residents in the VRAEM, according to Luis Rojas, the executive secretary of the Multisectoral Commission for Pacification and Economic Development of the VRAEM. The government is also providing technical training to students as old as 40, to help them develop skills to get jobs. This training initiative and other social programs sponsored by the government have helped 200,000 people. Security operations in the VRAEM The Peruvian Army recently captured two suspected members of the Shining Path terrorist group following a gunfight in the Valley of the Apurimac, Ene and Mantaro Rivers (VRAEM) region. César Valencia Curo and Emilio Meléndez Borda, both identified as suspects by the military, were captured in a vehicle in the southern province of Huanta shortly after midnight on November 13. Soldiers also arrested the vehicle’s driver, Josías Romero, and a woman who said she is his wife; they seized an array of firearms and ammunition as well. By Dialogo November 21, 2014 The Shining Path is allied with narco-traffickers in the VRAEM, which is the world’s top region for cultivating coca, the main ingredient used to make cocaine. The organization uses drug trafficking revenue to funds its terrorist operations. International cooperation is an important component of the fight against narco-flights. For instance, Peruvian and Bolivian officials recently agreed to share real-time information regarding suspicious planes traveling across the border the two country’s share. This will help security forces interdict the high volume of cocaine produced in Perú and transported into Bolivia. About half of the 450 tons of cocaine produced in Perú annually is flown to Bolivia by plane before being routed to Central America, North America, Brazil, Mexico, Europe and Asia. The Shining Path is allied with narco-traffickers in the VRAEM, which is the world’s top region for cultivating coca, the main ingredient used to make cocaine. The organization uses drug trafficking revenue to funds its terrorist operations. Confronting and capturing Shining Path operatives, cracking down on narco-flights, dismantling the infrastructure used by drug trafficking groups to transport drugs, and improving social conditions in the region are all part of the federal government’s strategy to defeat drug trafficking in the VRAEM. For example, in their efforts to dismantle drug trafficking infrastructure, Peruvian security forces have destroyed at least 54 clandestine landing strips used by narco-traffickers since 2011. The majority of the runways were 500 meters long, 10 meters wide and were located in the VRAEM. International cooperation is an important component of the fight against narco-flights. For instance, Peruvian and Bolivian officials recently agreed to share real-time information regarding suspicious planes traveling across the border the two country’s share. This will help security forces interdict the high volume of cocaine produced in Perú and transported into Bolivia. About half of the 450 tons of cocaine produced in Perú annually is flown to Bolivia by plane before being routed to Central America, North America, Brazil, Mexico, Europe and Asia. The government is also providing technical training to students as old as 40, to help them develop skills to get jobs. This training initiative and other social programs sponsored by the government have helped 200,000 people. While security forces are combatting drug trafficking, the federal government is taking steps to improve social conditions in the VRAEM. The government has approved about $586 million (USD) to develop social programs, housing, agriculture and a highway for residents in the VRAEM, according to Luis Rojas, the executive secretary of the Multisectoral Commission for Pacification and Economic Development of the VRAEM. César Valencia Curo and Emilio Meléndez Borda, both identified as suspects by the military, were captured in a vehicle in the southern province of Huanta shortly after midnight on November 13. Soldiers also arrested the vehicle’s driver, Josías Romero, and a woman who said she is his wife; they seized an array of firearms and ammunition as well. last_img read more

Tricks (and treats) for reimagining your auto loan portfolio

first_img continue reading » 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr It is an exciting time to be a bank or credit union in the auto lending marketplace!More than ever before, borrowers are seeking out unique solutions for financing their vehicles, and the current market leans favorably toward financial institutions offering alternative approaches to auto lending.Additionally, there has been an increase in used vehicle purchases and trade-ins over the purchase of brand new vehicles.Several factors lend themselves to these changes in buyer behaviors, namely:The rise of new car prices – More model updates, technological advancements, and cosmetic choices have led to historically high monthly car payment averages.last_img read more

Start your board assessment with a ‘bop’

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » As with anything worth doing, board assessments are worth doing well—especially if the board has had an aversion to being “evaluated.” Committing to an assessment process begins with developing a shared understanding of what the board plans to accomplish and a realization that the path to achieving that goal might include a few branches and stones. But, the destination will be worth the trips.Remember that the board has been in tough conversations before and come out on the other side stronger, more informed and an overall better team. With an assessment though, the journey is specifically designed to help the board get better. That’s not an unintended byproduct; that is the product.The board can begin the assessment process by developing a charge of commitment-what we call a board-organizing principle or a BOP for short (and because saying BOP is fun and catches people’s attention). A BOP is a declarative statement of how the board will operate as a governing, officiating body over the long term.Think about the BOP like this. As a board, you’ve had a governing principle already, though it’s likely that it’s just been understood and unspoken. A BOP intentionally informs a board’s actions and engagement to help it achieve new levels of performance. It answers the question of why we (specifically this board) should exist beyond the regulatory reasons.last_img read more

MAGA crying leads to one of the most fun Twitter threads ever recorded

first_imgMost Twitter threads consist of people supporting or not supporting the original tweet. Many of them are very funny, some are deadly serious, some are angry, some are sad. It’s a cornucopia of the human emotional spectrum! But every so often, a Twitter thread comes along that employs humor, justice, and the human spirit.A small corner of the internet in a Twitter thread—one that took place as the election results began to unfold and the enormity of Donald Trump’s loss became clearer and clearer to MAGA types across the internet—brought people from all over the world (and possibly the galaxy) together. An account mostly known for following both American and European rules football and that also likes trolling libs posted: “Oooohhhh NOOOOO. WHAT ARE WE DOING. WAKE UP Y’ALL!!!! TRUMP IS HERE TO SAVE US. My heart can’t take this any longer. I’m leaving. I’ll be headed to Mexico. They will take care of me. Thanks for nothing USA. IM DONE. MY HEART HURTS. THESE KIDS!!!!” The fun began there.- Advertisement – LANSING, MI - APRIL 15: A person walks towards the Capitol building along with others to express their unhappiness with Governor Gretchen Whitmer's Stay Safe, Stay Home executive order on April 15, 2020 in Lansing, Michigan. Governor Whitmer issued the order which was expanded until April 30 to continue to help slow the spread of coronavirus (COVID-19). As of April 14 the state of Michigan reported over 27,000 confirmed cases of coronavirus (COVID-19) and over 1,700 related deaths.  (Photo by Elaine Cromie/Getty Images) – Advertisement –last_img read more

Marcel Medak: Croatia has the opportunity to brand itself as a health destination

first_img“Private entities operating in the open market and financing their business exclusively from sales activities depend on the quality of their services, communication with the market and their innovation, which motivates them to continuous development and is the only long-term sustainable business model. It is necessary to soften the borders between special hospitals, rehabilitation and wellness centers in order to approach European standards of health tourism and provide guests with a richer service.”, Said Kolar, and Medak agrees with her, who believes that such regulations bring more transparent business, a simpler tax policy and a simpler process of hiring employees.   Adviser to the Management Board of Terme Tuhelj Ivana Kolar considers that the Law enabling the registration of economic activity in health tourism brings great benefits, primarily for special hospitals and health centers that have not yet operated as companies and have not been in the VAT system.  “Here I would especially like to highlight thallasotherapy, it uses marine natural healing factors that favorably affect the respiratory system which is especially important at this time of pandemic. This is an opportunity to use all our potentials and put a lot of hotels along the coast in the function of health tourism, which would significantly extend the existing tourist season. However, one of the key preconditions for this is the privatization of special hospitals and health resorts, which is stated in the Action Plan for the Development of Health Tourism in the Republic of Croatia prepared by the Institute for Tourism.”, Points out Medak and adds that it is crucial to connect all stakeholders in the story, in which the key role should be played by the Health Tourism Association of the Croatian Chamber of Commerce. According to all strategies for the development of the domestic tourist offer, health tourism has a priority role, but this segment has also suffered a heavy blow due to the coronavirus pandemic. On the other hand, Korona has become aware of the importance of health globally, which could be a great advantage in the development of Croatia as a leading destination for health tourism in the future. Strengthening continental tourism capacities would bring more balanced economic development and reduce seasonality, but a prerequisite for all this is a quality and well-educated workforce. All our interlocutors agree with this, so they pay special attention to employees and their education.  He agrees with that Marcel Medak, president of the Health Tourism Association of the Croatian Chamber of Commerce and director of the company Sunčane toplice. He believes that in the future the demand of patients for certain services, such as the rehabilitation of chronic diseases, will fall, but he also sees this as a great chance for institutions that are ready to turn more strongly to the market. Another great strength of health tourism is that most of the facilities are located in the interior of Croatia and provide great potential for the development of continental tourism, and good examples of such development can be seen in neighboring countries. center_img “The biggest staffing problem is the chronic lack of a specialist doctor, which we also had in Sunčane toplice, so we imported two doctors from BiH and Serbia.”Explains Medak and concludes that currently the biggest challenge is the promotion of health tourism, especially through the CNTB, for which it is necessary to significantly increase funding. Photo: Terme Tuhelj “Terme Tuhelj has always been actively cooperating with the Secondary Catering School in Zabok, which is the foundation of the development of the competence center, and we will be very happy to include all those who actively participate in the development of tourism in its work and activities. It is difficult to have staff in tourism in the whole of Croatia, Zagorje is no exception, so Terme has developed internal protocols for training, education and development of its employees, from employment to the entire career. There have been cases of hiring foreign staff, but in small numbers, for now the team manages to fill the staff from Croatia, mostly from Zagorje and the surrounding area.”, Said Horvat, and Medak thinks similarly, pointing out that in Sunčane toplice they had no problems finding workers, as did other employers in health tourism.  In addition to the existing educational institutions, the Regional Center of Competence in Tourism and Hospitality in Zabok will soon be established. The center should contribute to the education of future staff needed in this sector, adult education and monitoring of new technologies and trends in Europe and the world, and this is especially welcomed in Treme Tuhelj. I Krešimir Škof, Deputy Director of the Special Hospital for Medical Rehabilitation Stubičke Toplice, which is registered for health tourism, emphasizes that the new legislative framework is good because there is no need to establish a subsidiary, but everything is done “under the same hat”. However, he says that the registration of the activity itself means nothing if it is not accompanied by an adequate offer. “If the facilities are old and of poor quality, if the service does not meet the criteria of a demanding market and if there is no evidence of quality, there is no progress in the market. We have invested in our workers, services and facilities for years – over HRK 80 million has been invested in the last ten yearsSaid the Bishop.last_img read more

Stealing the showrooms

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Jakarta begins new chapter in plastic waste reduction

first_imgThe policy, he said, was instrumental in reducing plastic waste disposed of at Bantar Gebang landfill in Bekasi, West Java – the end point in Jakarta’s waste disposal process, which may only have one year left before reaching its maximum capacity.“Hopefully, this will increase awareness and make people use single-use plastic bags more wisely and carry more environmentally friendly reusable bags,” he said.The Jakarta administration has disseminated information on the policy to the management of 85 shopping centers, more than 2,000 convenience stores and 158 traditional markets across the city, as well as the general public, Andono said.The policy – Gubernatorial Regulation No. 142/2019 – takes effect six months after its issuance on Dec. 31, 2019. The plan to issue such a regulation had been in the pipeline since 2018. It was put on hold as Anies wanted to include a provision on substitute materials to replace plastic bags. Jakarta began a new chapter in reducing plastic waste on Wednesday, when a gubernatorial regulation banning single-use plastic bags in traditional markets, modern supermarkets and minimarkets across Jakarta took effect.A number of regions across the country have already imposed a similar ban – South Kalimantan’s Banjarmasin, East Kalimantan’s Balikpapan, Bali’s Denpasar and Jakarta’s satellite city of Bogor in West Java.“In general, business players support this policy, but indeed there are some who have asked for it to be postponed,” Jakarta Environment Agency head Andono Warih said in a statement on Tuesday. “This policy actually reduces their cost of providing single-use plastic bags.” The regulation serves as a legal basis for the use of eco-friendly bags in stores and markets. It carries punishments for shopping centers found violating the ban on single-use plastic bags, which range from written warnings and fines to permit suspension and termination.The regulation, however, allows sellers to provide single-use plastic bags for non-packaged foodstuffs if there is no eco-friendly packaging available. It also excludes single-use plastic bags for online shopping and food deliveries.Indonesian Retailers Association (Aprindo) secretary-general Solihin said some retailers had already begun to control the use of plastic bags in the past few months by no longer giving plastic bags away for free.“Ready or not, we [retailers] must make a move, particularly after Aprindo disseminated its own policy to customers long ago,” Solihin said. “There might be [less compliance] in the early implementation [of the Jakarta plastic ban] but retailers should understand better by now how to prepare for it.”City-owned market operator Pasar Jaya president director Arief Nasrudin said the firm continued to inform traders and buyers in traditional markets throughout Jakarta about the ban to ensure compliance after the policy takes effect on Wednesday.“We will continue distributing information to traditional markets, including through leaflets and banners. Hopefully, traders and shoppers are ready to no longer use single-use plastic bags starting July 1,” he said.The Jakarta Environment Agency reported that an average of 7,702 tons of the city’s trash was disposed of at the Bantar Gebang landfill every day last year — 34 percent of which was plastic waste.Jakarta is home to 10 million people. But its role as the nation’s economic center means that a further 4 million people commute to the capital during the day.With decreasing economic activity during the COVID-19 outbreak, Jakarta has seen a constant reduction of waste disposed of at Bantar Gebang, with the agency reporting 189,979 tons of waste sent to the landfill in May, 37.8 percent lower than 305,339 tons in January.A survey by the Indonesian Institute of Sciences (LIPI), however, showed that plastic waste generated during the outbreak had increased because people in Greater Jakarta ordered food and daily supplies online more often between April and May while in self-isolation.Of the participants in the poll, 62 percent said they ordered non-food products online more often, while 47 percent used online food delivery services more frequently.The survey found that 96 percent of these items used plastic packaging.East Jakarta resident Nadya Stephanie said a minimarket near her house had not provided customers with plastic bags for the past two months, but another convenience store continued giving away free plastic bags.“It will probably be ineffective in the early days of implementation. People sometimes act like impulsive buyers despite not bringing their own bags,” she said. “Hopefully, the policy will encourage us to bring reusable bags and generate less plastic waste.”The first day of the ban did not go down without a hitch.Siti Rohmani, a trader at Kramat Jati Market in East Jakarta, had replaced single-use plastic bags with reusable spunbond bags and used cardboard in order to comply with the new policy.Siti sells the bags for Rp 2,000 (0.14 US cents) per piece or gives them for free if customers buy in bulk, and only if they need it. However, she said she still preferred it when buyers brought their own shopping bags.Siti acknowledged that not all of her fellow traders in the market had replaced their single-use plastic bags, and neither did buyers who forgot to bring their own bags.“It is just the first day. Not everyone [has complied with the rules],” she told the Post on Wednesday.Later that afternoon, the environment agency’s Andono said that the ban’s effectiveness would be evaluated at the end of the first day, but also insisted that it was in place in some shopping malls.“The use of eco-friendly bags in shopping centers has been implemented. We will evaluate the findings and further actions surely will follow. We are collating whatever findings we get in the field,” Andono said during his spot-check visit to the Grand Indonesia shopping mall in Central Jakarta.He said the city administration, comprising the environment agency, public order agency (Satpol PP) and industry and SMEs agency, would routinely monitor the policy’s implementation.center_img Editor’s note: Updated with first day observations and edited for clarity.Topics :last_img read more

Norway oil fund urged to emulate CPPIB approach to real estate

first_imgNorges Bank Investment Management should be granted greater freedom to invest the assets of Norway’s oil fund, starting with real estate, according to an extensive review of its active management.The review, conducted by Andrew Ang of Columbia Business School, Michael Brandt of Duke University and the former president and chief executive of the Canada Pension Plan Investment Board (CPPIB), David Denison, was commissioned by the Norwegian government late last year and proposed that the NOK5.1trn (€630bn) Government Pension Fund Global shift to an opportunity cost model of active management.The approach, employed by CPPIB and Singaporean sovereign fund GIC, requires the asset owner to set a reference portfolio while granting the asset manager greater flexibility to invest in a way to “provide superior risk-adjusted returns”.The paper urged the adoption of the opportunity cost model “and corresponding delegation framework” that would see Norway’s Finance Ministry, as ultimate asset owner, set out specific terms and reference portfolios. “This can be done in a staged process over several years, and should initially be implemented in the fund’s real estate programme,” it said.Ang noted that, where CPPIB had long been active in the illiquid investment market, GPFG had only in the last few years launched its real estate programme.“Where CPPIB excels, it has an integrated, comprehensive framework for thinking about the investment process for complex illiquid assets,” he said.“Eventually, the Norwegian fund should also have these in scale in their portfolio, and CPPIB has very good structure for thinking about alternatives. That structure is very simple. It is really ‘What are these alternatives giving us we can’t access in passive, low-cost equity and bond markets?’”He also stressed that NBIM was very successful in keeping management costs low, at around 10 basis points.Explaining their thinking in the paper, the authors said: “For example, any dollar that could be invested in private real estate is benchmarked against the opportunity costs of investing that dollar in a mix of public equities and bonds.“Thus, any active investment that deviates from the reference portfolio is benchmarked net of fees against public market securities in the reference portfolio used to fund that investment.”Asked if NBIM should consider setting up a dedicated manager devoted to its illiquid investments, as Canadian pension funds such as the CAD65bn (€44bn) Ontario Municipal Employees Retirement System has done with the launch of Borealis Infrastructure, Ang said the matter was secondary.He said: “There is a bigger question behind there, which is ‘What are the sources of the premiums we should be harvesting?’ and ‘Are they appropriate for us?’ Then you can decide how best to implement that.”Ang said NBIM was currently limited to investing only 5% of the GPFG’s assets in real estate – although the fund’s property exposure only stood at 1.2% at the end of March – and that it was therefore important to question why a 5% limit was imposed, and why it was not allowed to increase further.He said it was important to consider the benefits of property compared with equities and bonds.“That’s where I think the Canada framework really helps,” he said. “It says ‘We are doing the funky, sexy illiquid investment X because we can’t get it in equities and bonds’.”,WebsitesWe are not responsible for the content of external sitesLink to review of GPFG’s active managementlast_img read more