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Unforgettable Ways to Savor Mountain Maryland’s Fall Foliage

first_imgTAKE A DRIVING TOUR!  VISIT AN OVERLOOK! Point Lookout Over Potomac River in the Green Ridge State Forest Dan’s Rock Overlook in the Fall, photo by Bill Merlavage Great Allegheny Passage in Cumberland in the Fall HOP ON A BIKE! Here in the mountains, there are many points that make you feel like you are on top of the world, literally. Visit Point Lookout in Green Ridge State Forest, Town Hill Overlook along the Historic National Road, or Dans Rock Overlook, one the county’s most-recognized overlooks. Each of these points provides spectacular and colorful landscapes, with iconic views of the Potomac River, Allegany County, and even Sideling Hill and parts of West Virginia and Pennsylvania. In addition to beautiful views, the overlooks contain history that dates to colonial times and the French and Indian War. Photo by Sam DeMartino Hit the Green Ridge State Forest Scenic Driving Tour, a 44-mile route through Maryland’s largest contiguous piece of public land, and experience the magic of fall as you traverse by car to five overlooks along the trail. Located in the ridge and valley province of the Appalachian Mountains, Green Ridge State Forest is rich in natural and cultural heritage and is sure to be a breathtaking autumn drive along these leaf-lined roads. Or, hop on one of the Allegany County’s Scenic Byway systems, offering inviting views, magical main streets, enduring history, and engaging places along the Historic National Road Scenic Byway, C&O Canal Scenic Byway, and the Mountain Maryland Scenic Byway. One thing we know for sure is that Mountain Maryland is the perfect place to catch brilliant expressions of fall.center_img Cumberland City in the Fall TAKE A HIKE! Whether you want to get out into nature or stick to a more urban street walk, Allegany County has some great trails and hikes, perfect for viewing peak leaf season. Take a walk through any of the Historic Districts in Cumberland and Frostburg for beautiful architecture and brilliant trees lining the brick sidewalks and streets. For nature lovers, Green Ridge State Forest and Rocky Gap State Park offer close to 100 miles of hiking trails for the novice to the expert, with well-groomed to more rugged trails, all worth a visit for some fall colors.  After you’ve soaked in the miles of colorful adventure, be sure to refuel with some outdoor dining, especially stunning in the open air of the pedestrian mall of Downtown Cumberland, with the mountains as your backdrop, or at one of the wineries or breweries along the Mountain Maryland Tap and Pour Craft Beverage Tour. With access to two world-class trails, the Great Allegheny Passage and the C&O Canal Towpath, and ideal road riding conditions with low traffic, cyclists love the routes available here in Mountain Maryland. Routes will take you into rural areas that showcase the natural beauty of our region. Find out just why the Great Allegheny Passage made the list for National Geographic’s ‘Best Fall Trips,’ as you bike through this forest-lined rail trail, following the old Western Maryland railway bed between Allegany County’s two trail towns, Frostburg and Cumberland. Be sure to explore our road routes through Ride with GPS, with mapped road rides to view the region’s stunning fall foliage by bike on the open road. And, for beginner mountain bikers and beyond, check out the vibrant treks on the mountain biking trails of Rocky Gap State Park and Green Ridge State Forest. Witnessing the brilliant autumn in Allegany County, the Mountain Side of Maryland, is an unparalleled experience for all lovers of nature and the outdoors. With scenic overlooks, a world-class bike trail through the mountains, tree-lined scenic byways through some of the area’s historic towns, and 60,000 acres of public land, there are plenty of opportunities to check this experience off your bucket list. With fall leaf-peeping season right around the corner, we put together a list of must-see/must-do fall foliage activities and experiences across the county. last_img read more

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Are you taking advantage of Reg Z’s safe harbor credit card penalty fees?

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cathy Klimek Cathy is a consumer lending and insurance compliance and regulatory attorney with 20+ years of experience working with credit unions and other types of financial institutions. She concentrates her practice … Web: https://www.securian.com/products-services/financial-institutions.html Details It’s the start of a new year, which means the CFPB’s latest safe harbor credit card penalty fee amounts under Regulation Z, section 1026.52(b), became effective January 1, 2020. This section of Regulation Z provides “safe harbor” figures you may charge cardholders who:Make late paymentsGo over their credit limitHave a returned paymentThe recent changes include:The $28-dollar amount for the initial violation has been increased to $29The $39-dollar amount for subsequent violations has been increased to $40If you are a federal credit union, you are free to charge these fees. If you are a state-chartered credit union, you may be required to charge lesser amounts; it will depend on your state’s penalty fee laws.There are many factors that go into determining the amount of fees you charge members. Are you looking to increase your non-interest income? Better offset the costs of administering your credit card programs? Take a closer look at whether you can use the Reg Z safe harbor fees. They may part of a compliant solution. Of course, you can charge amounts less than the safe harbor maximums and still fall under the safe harbor.To take advantage of safe harbor fees right away, reach out to your lending document vendor for a consultative session today. By customizing your credit card disclosures and agreements, you can offset administration costs and guarantee compliance with Regulation Z.Read the full CFPB announcement here.last_img read more

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Planning reform scheduled for November

first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

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Coca Cola, Gojek provide business assistance for small businesses

first_imgThe program’s website is currently providing free online training for food stall and shop owners on how to safely operate and interact with customers during the COVID-19 pandemic. It plans to expand the training into broader subjects, Trijono added.Read also: SMEs switch to producing PPE to survive COVID-19 economic falloutSmall and medium enterprises (SMEs), ranging from small shops and warung to distributors of consumer products, contribute more than 60 percent to Indonesia’s gross domestic product (GDP).In April, the Cooperatives and Small and Medium Enterprises Ministry reported that around 37,000 SMEs reported facing declining sales and trouble with distribution, among other problems, because of the pandemic. Global beverage giant Coca Cola and Coca Cola Amatil Indonesia (CCAI) have launched a campaign alongside strategic business consultant Qasa and the University of Indonesia to provide online training for warung (food stall) and small retail shops that have been hit hard by the COVID-19 pandemic.Coca Cola Indonesia spokesperson Trijono Prijosoesilo said on Monday the program, called Gerakan Toko Bersama (Cooperative Shop Movement), would empower stall and small retail shop owners by providing them with free online management-training courses.“We are establishing a knowledge-sharing program to empower business owners and help them to grow,” he said during a livestreamed press conference. Qasa’s managing director Joko Wiyono said the program aimed to train 500,000 food and retail SMEs operating in large cities.“After the pandemic ends, Gerakan Toko Bersama will continue to develop warung and small retail shops by providing free business-management training and possibly help to connect them with financial institutions in the future,” Joko said.“The program can become part of the solutions for warung to prepare themselves for the ‘new normal’ era,” Cooperatives and Small and Medium Enterprises Minister Teten Masduki said in the event.“I hope the program can also help digitize our SMEs so they can compete with modern retail shops,” he added.Separately, ride-hailing application Gojek’s food delivery-service platform GoFood also promoted its initiatives to assist small food and beverage businesses by providing discount campaigns and “cloud kitchen” services.GoFood’s cloud kitchen services, namely Dapur Bersama, was launched in November last year and currently has 27 kitchens in the Greater Jakarta area, Bandung in West Java and Medan in North Sumatra.“Our cloud kitchen service helps cut down operational costs as we are the one who bears the initial capital expenditure by providing cooking equipment, including chiller, stoves and other tools,” Gojek chief food officer Catherine Hindra Sutjahyo said during an online press conference on Monday.Read also: Start-ups help SMEs digitalize during pandemic“We also use a profit-sharing scheme with our partners so [the culinary small businesses] don’t have to pay a monthly fixed cost,” she added.The company will help MSMEs to survive the impact of the COVID-19 pandemic by increasing their exposure, slashing operational costs and providing operational support through GoFood discount campaigns and the kitchen service.“To help increase the exposure of our SME partners, we have launched the Harkulnas [National Culinary Day] campaign, which has successfully increased GoFood’s service demand by 12 percent,” she said.GoFood’s revenue increased by 20 percent over the last two months, while demand for the ready-to-cook meal delivery service also jumped threefold since the service was introduced last month, Catherine added.Topics :last_img read more

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Harrogate Golf Club commitment to a more inclusive culture within golf

first_img Harrogate Golf Club in Yorkshire has become the latest English club to sign up to The R&A’s Women in Golf Charter.The club already has 85 women and girl members and it has committed to increasing that membership level by at least five per cent over the next three years.They aim to provide a welcoming environment to encourage more women and girls to enjoy the sport and to participate at every level.“Harrogate Golf Club has been at the forefront in golf since its inception in 1892 and is a founder member of The Yorkshire Union of Golf Club,” said club President, Alastair Davidson. “More recently, it was the first club in Yorkshire to gain Golf Mark accreditation, so it is no surprise the club is rising to the challenge of encouraging female participation in all levels of golf.“Over the last couple of years, we have introduced nine-hole Stableford competitions which are open to all genders and we have reviewed our competition structure so that seven-day lady members can play in the monthly medal competitions on Saturdays.“We have a thriving Mixed Section and run competitions such as Texas Scrambles where members from all sections (Men, Ladies and Juniors) play together in the same team. As part of our drive to be more inclusive we have also introduced a shorter 18-hole course called the Belmont which will soon be available for qualifying competitions.”Harrogate has named its immediate past captains, Maggie Gobbi and William Watson, as its Women in Golf Champions and both have already been working with the current Captains and Captains Elect to formulise the club’s commitment to the Women in Golf Charter moving forwards.Maggie, who has been a member at Harrogate for 12 years and has a handicap of 22, is working with the club’s professionals to promote a series of trial packages for beginner ladies and, with the support of the Ladies Section, is arranging social and practice sessions for the participants. 22-handicapper, William, a club member for 34 years, is helping the Junior Co-ordinator with efforts to build up the Junior Section.“It’s been fantastic to work with Harrogate on the Women in Golf Charter and to see how they have addressed a variety of aspects within the club from their initial recruitment campaigns through to the female representation on boards. We are looking forward to working with them over the coming year to ensure their commitments are a success,” said England Golf’s Women and Girls Manager, Lauren Spray.The Women in Golf Charter was launched last year to encourage more women and girls to play the game and to increase the number of job opportunities for women within the sport. England Golf was one of the first signatories to the Charter and subsequently more than 100 organisations have committed to it.For more information on the Women in Golf Charter please click here or get in touch with your England Golf Club Support Officer.Picture Caption (L to R) – Club President Alastair Davidson and its Women in Golf Champions Maggie Gobbi and William Watson. 16 Jul 2019 Harrogate Golf Club commitment to a more inclusive culture within golf Tags: The R&A, women and girls, Women in Golf Charterlast_img read more

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Giants trade Beckham to Browns, Jets get Bell

first_imgGiven the “legal tampering” freedom the league now allows for two days, well, let Ravens general manager Eric DeCosta describe the mayhem.“Unfortunately for us, the market is irrational at times and we can’t be held responsible for what other teams want to pay,” DeCosta said. “All we can do is try to negotiate in good faith with agents and the players.”JETSThe Jets had more than $82.5 million to spend in free agency, and they are spending it. They thought they also had an agreement with Vikings linebacker Anthony Barr, but he opted instead to return to Minnesota.Not that the Jets fell short in adding talent. The 26-year-old Mosley is a four-time Pro Bowl linebacker who will get a reported five years and $85 million, including a whopping $51 million guaranteed. Mosley has had at least 100 tackles in every season but 2016, when he missed two games with an injury and finished with 92. He will be a centerpiece of new defensive coordinator Gregg Williams’ unit.In dire need of receivers for Darnold, New York is adding the 26-year-old Crowder as a playmaking slot receiver. Crowder, whose deal reportedly is for three years and $28.5 million, had 221 catches for 2,628 yards and 14 touchdowns in four seasons with Washington. He was limited to nine games last season because of an ankle injury.Bellamy has 76 career catches for 999 yards and five touchdowns, and is also a special teams contributor. He spent the last five years with Chicago.PACKERSThe defensive signings should improve a unit that ranked 18th in the NFL in 2018. Za’Darius Smith is getting the biggest deal: $66 million over four years with $34.5 million in the first two years, according to his agency, SportsTrust Advisors. The 28-year-old Smith led the Ravens with 8½ sacks last season — including three in one game against Tennessee — and has 18½ in his 58-game career.Preston Smith agreed to a $52 million, four-year contract with $16 million guaranteed. For Amos, it is a $37 million, four-year contract. Amos, 25, started all 16 games for the NFC North rival Chicago Bears last season and had two interceptions.Turner gets a $28 million, four-year contract.RAIDERSJoyner becomes the first major addition on defense in Oakland. He played last season on a franchise tag for the Rams, earning $11.3 million. But Los Angeles signed Eric Weddle last week to be Joyner’s replacement.The 28-year-old Joyner was originally a second-round pick by the Rams in 2014 and played 67 games over five seasons with the franchise. He has four interceptions and 25 passes defensed in his career.RAVENSIt’s been a difficult two days for the Ravens. Za’Darius Smith, Mosley, Weddle and long-time star Terrell Suggs (Cardinals) all departed from their top-ranked defense.“We see good young players leave us every year,” DeCosta said. “We’ve tried to adjust over time, but I think now is a great opportunity for us to become financially responsible, to get control over the salary cap to understand the concept of right player, right price.”___More AP NFL: https://apnews.com/tag/NFL and https://twitter.com/AP_NFL While the free agency spending frenzy runs wild, the Giants and Browns found a way to overshadow it Tuesday night: a trade of Odell Beckham Jr.Not to be outdone, however, the Jets got the guy at the top of their free agency list, agreeing with former Steelers running back Le’Veon Bell on a deal early Wednesday morning.The Giants are sending their star receiver to Cleveland for first- and second-round draft picks in April and safety Jabrill Peppers in the second blockbuster trade in four days. On Saturday, Pittsburgh sent unhappy wideout Antonio Brown to Oakland, a deal Brown forced.Beckham is the NFL’s highest-paid receiver; he got a five-year, $90 million extension last August. He comes off two injury-plagued seasons, but when healthy is a game-breaking target, just like Brown.In this Nov. 23, 2014, file photo New York Giants wide receiver Odell Beckham Jr. (13) makes a one-handed catch for a touchdown against Dallas Cowboys cornerback Brandon Carr (39) in the second quarter of an NFL football game in East Rutherford, N.J. (AP Photo/Kathy Willens, File)The two trades become official Wednesday when the league’s business year begins. People with knowledge of the moves told The Associated Press of the trades, speaking anonymously because the transactions can’t be announced until after 4 p.m. EDT on Wednesday.Beckham is known for his gravity-defying catches and breakaway skills, but also for being temperamental. He was suspended for one game in 2015 for his on-field battles with cornerback Josh Norman, then with Carolina.BAKER MAYFIELDLeads the Cleveland Browns intoPittsburgh, Oct. 28 (AP PHOTO)Cleveland suddenly looks like a force in an AFC North in which both Baltimore and Pittsburgh have been weakened in the offseason. With Beckham reunited with receiver Jarvis Landry, a teammate at LSU, it gives quarterback Baker Mayfield two top targets. The Browns, who went 7-8-1 last season after not winning a game in 2017, haven’t made the playoffs since 2002.The mega-trade came hours after another busy day of dealmaking.The money flowed out of New Jersey, with the Jets agreeing Tuesday to contracts with three players: wide receivers Jamison Crowder and Josh Bellamy, and linebacker C.J. Mosley. The team also will re-sign cornerback Darryl Roberts and defensive end Henry Anderson.But the big news came when the Jets and Bell agreed on a deal. ESPN first reported the signing, saying the contract is for four years and $52.5 million.The deal gives new coach Adam Gase and second-year quarterback Sam Darnold a big-time playmaker, arguably the best player at his position before Bell opted to sit out all of last season rather than sign a franchise tender with Pittsburgh.Bell has rushed for 5,336 yards and 35 touchdowns, and has 312 catches for 2,660 yards and seven scores as one of the most versatile and dangerous offensive players in the NFL.“I’m back in the green baby,” the former Michigan State star wrote on Twitter. “Let’s get it.”It streamed out of Green Bay, with the Packers getting deals with edge rusher Za’Darius Smith, linebacker Preston Smith, safety Adrian Amos and offensive lineman Billy Turner. The Packers also cut veteran linebacker Nick Perry.And it poured out of Oakland once more when the Raiders kept their vault open and agreed to a four-year contract with safety Lamarcus Joyner . The Raiders previously made big moves on offense by trading for Brown and agreeing to a deal with tackle Trent Brown. FILE – In this Sunday, Jan. 14, 2018 file photo, Pittsburgh Steelers running back Le’Veon Bell carries the ball against the Jacksonville Jaguars during the second half of an NFL divisional football AFC playoff game in Pittsburgh.  (AP Photo/Don Wright, File)last_img read more

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Future looks bright for NYS boys rep program

first_imgThe future of the boys rep program for Nelson Youth Soccer should be coming up roses sooner than later.That’s all because of the focus NYS is taking with the U12 program.“The focus at this age is development,” said mentor/coach, Jamie Spendlove.“We don’t want to cut any kids and perhaps discourage them from pursuing rep soccer. “A kid that might just miss out on the team at this age, if there were cuts, might be a star player in a couple years, with the extra development.”Spendlove said NYS would enter two teams for every tournament on the schedule — the strongest players spread onto both teams.“We’re making them balanced, but not as strong as if we entered just one team,” Spendlove explained. “This weekend in Kamloops was no different where we entered two, balanced teams in the tournament.” The results were somewhat varied as a result, but overall, some strong performances were delivered from both teams and all the boys. “I was very pleased with the strong play and leadership shown by our second year players that were put on both teams,” said coach Kerry Dyck.“They lead the way.  But at the same time, several of our new players, both U12 and U11, stepped up at times with great performances as well.  I found that very encouraging. “You could see the progress even through the weekend.”The first Nelson team finished the weekend with one win and three losses. However, in two of the three losses, the team played very well, and with a bit of luck, could have come away with a tie or even a win. The second Nelson team finished the weekend with two ties and two losses. Again, they played very well in three of the games and could have won both of the games they tied and even in one of the losses.Leading the way for Nelson from both teams with goals was Ezra Foy with four, followed by Angus Paterson with two and singles by Keanu Tromans, Jesse Thurston, Jesse Harold, Dylan Luscombe, Bradey Sookero, Max Spielman, Josh Schacher, Thomas Baxter and Jaden Dyck. Jesse Thurston, Max Spielman, Sam Foy, Jaden Dyck and Bradey Sookero won game MVP honours.The U11/U12 Selects’ next action is June 2-3 in Kalispell Montana.last_img read more

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STABLE NOTES BY ED GOLDEN – MONDAY FEBRUARY 16, 2015

first_imgRACING MOURNS DEATH OF TRAINER LEONARD DORFMANBOOZER STEPS UP TO THE BAR IN SENSATIONAL STARFUTURE OF MILLIONAIRE CLUBHOUSE RIDE UP IN THE AIRBAYERN BREEZES THREE FURLONGS IN 36.60 FOR BAFFERT Mike Smith6915141022%$1,329,341 Joseph Talamo13915142311%$1,065,504 (Current Through Sunday, Feb. 15) SANTA ANITA STATISTICS Drayden Van Dyke12114151712%$784,816 JockeyMts1st2nd3rdWin%Money Won Jerry Hollendorfer9719131320%$1,968,030 TrainerSts1st2nd3rdWin%Money Won Tyler Baze15720151713%$1,244,034 Philip D’Amato4398721%$438,310 Bob Baffert621214819%$1,190,338 Peter Miller871618818%$975,450 Elvis Trujillo1261417911%$906,712 FOND MEMORIES OF LEONARD DORFMAN, DEAD AT 92            Highly respected longtime Southern California trainer Leonard Dorfman passed away peacefully early Sunday evening at his daughter’s home in Round Rock Texas. The affable Dorfman, a decorated World War II combat veteran who lied about his eyesight to enlist in the Army at age 19, would have been 93 on June 22.Best known as the conditioner of multiple stakes winners Biggs, Travel Orb, Minnesota Chief, Joni U. Bar and McCann’s Mojave, Dorfman gravitated to the track at an early age and one of his first jobs was grooming horses at movie mogul Louis B. Mayer’s farm in Hemet, Calif., circa, 1937 at age 15.A native of Winnipeg, Manitoba, Canada, Dorfman emigrated to Los Angeles with his mother at the age of 7 and soon thereafter cultivated a lifetime love affair with horses.“He was such a kind and gentle man,” said retired Hall of Fame jockey Donald Pierce, from his home in Encinitas. “He was without a doubt one of the finest horsemen I ever rode for. We had a lot of success together. A lot of guys, they’ll (expletive deleted) you about their horses and how they’re doing. Leonard was always straight up with me and when he told me he had something for me to ride, they were live, believe me.”Long active along with his late friend, trainer Noble Threewitt, on behalf of fellow horsemen in the H.B.P.A. and later the California Thoroughbred Trainers (CTT), Dorfman won 16 races and two stakes with Joni U. Bar, a rangy mare by Nordic Prince, who would go on to become the dam of multiple graded stakes winner McCann’s Mojave.“Leonard had a sixth sense with horses,” said Mike Willman, Santa Anita Director of Publicity and the co-breeder and owner of McCann’s Mojave. “The horse always came first with Leonard. He would often say, ‘There’s always another race.’ He was an amazing, honest man and a wonderful human being. I’ll never forget what Frank Cozza, who bred Joni U. Bar and a lot of other nice horses, told my best friend’s dad one time after they had won a race here at Santa Anita. Frank said the key to success with Leonard was, ‘To just leave that little Jewish fella alone.’”            Trainer Ray Bell had this memory: “He had horses being transported by train for L.B. Mayer through the San Bernardino desert, and it was so hot, they opened the doors on the box car. Suddenly one of the horses breaks loose and jumps over a stack of straw bales and into the desert.“Leonard couldn’t notify anyone or stop the train, because he was way in the back, and this was way before cell phones or anything. He decided the first time the train stopped he would get to a phone let them know there was a race horse running around in the desert.“Finally they stopped, probably somewhere in Arizona, and Leonard called L.B. Mayer’s secretary and told her so-and-so is running loose in the desert out in San Bernardino.“Anyway, they finally captured the horse and there wasn’t a scratch on him. So they loaded him up on the next train for Chicago, they met him out there, and he wound up being a useful sort of horse.”Services for Dorfman, who is survived by his wife, Marlene, and daughter, Lisa Crisks, are pending. John Sadler718121111%$561,356 Rafael Bejarano15337242024%$1,729,564 FINISH LINES: Breeders’ Cup Classic winner Bayern,recovered from a hind footabscess that surfaced after that race, forcing him to miss the San Antonio Invitational on Feb. 7,breezedthree furlongs for Bob Baffert Monday in 36.60. A finalist for Horse of the Year, it was Bayern’s first recorded workout since early last month . . . Kudos to Matt Ascanio, 33-year-old son of former trainer and long-time Bobby Frankel assistant Humberto Ascanio, on winning his first race as an agent after a month in the business. Matt booked Christian Aragon on Fast Mast, who posted a half-length shocker at a $115.80 win payoff in Sunday’s seventh race for trainer Mike Harrington . . . Galicado, unbeaten in three starts in his native Argentina by a combined margin of 21 ½ lengths, worked six furlongs on the main track Monday morning in 1:12.60 for Ron McAnally, who plans to run the son of Asiatic Boy in the $2 million UAE Derby in Dubai on March 28. “The horse was sent to me during the Del Mar summer meet,” said McAnally, whose proclivity with South American imports is a matter of record . . . When Lucky J Lane won yesterday’s fourth race, it marked back-to-back victories for the California-bred gelding, giving trainer Richard Baltas another double. Unusual Fleet also posted consecutive victories when he won Saturday’s fifth race . . . Bob Baedeker has resigned his position as consultant and racing manager for Live Your Dream Racing Stables, effective yesterday. Baedeker cited differences with LYD founder Don Palmer over the future of the partnership. “I wish Don and Live Your Dream well,” Baedeker said. “Don is focused on the breeding end of the business now while I am anxious to acquire horses ready to run. I will be using my energies to grow my racing management business, Mr. B., LLC.” . . . Apprentice jockey Brandon Boulanger has been suspended threeracing days (Feb. 28, March 1 and 5) for causing interference on Aguacita in Saturday’s sixthrace . . . Congrats to Zoe Metz, Santa Anita’s Interactive Media Coordinator and an accomplished photographer, who celebrates her 19th birthday today . . . Santa Anita will be dark this Tuesday, Wednesday and Thursday, but will be open for simulcast wagering Thursday when there will be free parking and free Grandstand admission. Live racing resumes Friday at 1 p.m. Victor Espinoza10219211419%$1,283,180 Peter Eurton49108720%$481,808 Martin Garcia8214131117%$1,145,820 Doug O’Neill899101010%$520,536 BOOZER GOES FROM LONG TO SHORT SATURDAY            Boozer, a versatile and consistent son of Unusual Heat, goes from third and long to first and goal when he runs in Saturday’s $100,000 Sensational Star Stakes for older California-bred or sired horses at about 6 ½ furlongs on turf.The 5-year-old gelding trained by Mark Glatt for Al and Sandee Kirkwood is coming off a sharp second to streaking stakes winner Alert Bay in the California Cup Turf Classic at 1 1/8 miles on Jan. 24. Two races earlier, the pace-favoring Boozer won the California Flag Handicap for state-breds on the downhill turf course.“He runs really well down the hill,” Glatt said. “Maybe it’s not ideal going from a mile and an eighth to 6 ½ down the hill, but I want to take advantage of the Cal-bred program. The horse is doing well, so we’ll give it a shot.”CLUBHOUSE RIDE’S FUTURE UNDECIDED            The future of Clubhouse Ride remained undecided Monday morning, more than a week after he finished ninth and last by more than 40 lengths behind Shared Belief in the San Antonio Invitational on Feb. 7.            “They’ve run a bunch of tests on him to make sure he’s got good sperm,” said Craig Lewis, who trains the 7-year-old Candy Ride horse for owners Murray Seidner (Six-S Racing Stable) and Nikolas Petralia.“There are several offers on the table, so we don’t know what’s going to happen at this point. Should there be any problem with the sperm count, or the money, or they decide not to do the stud deal themselves, then he’ll be back (racing), because he had a minor injury.            “The owners are considering a lot of offers but they don’t know if they want to keep him or sell him.”Clubhouse Ride, a two-time winner of the Grade II Californian Stakes, was second in the Grade I Gold Cup at Santa Anita last June 28. The chestnut bred in Kentucky by Sidney and Jenny Craig has a 5-9-2 record from 43 starts, with earnings of $1,341,132. Kent Desormeaux10722191121%$1,229,322 Richard Mandella3786722%$402,286last_img read more

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Township entrepreneurs recognised for success

first_imgThere were 17 categories in this year’s Township Entrepreneurship Awards, while the Lifetime Achievement Award was handed to Dr Sam Motsuenyane, the former president of the National African Federated Chamber of Commerce and Industry.The winner of the Tourism Award, Ayanda Hermanus (middle) of Zazas Guesthouse and Spa, is flanked by guests Anthony Leeming (left), CEO Sun International and 2017 Miss South Africa Demi-Leigh Nel-Peters (right), at the Township Entrepreneurship Awards on 8 April 2017. Sun International sponsored the awards’ Tourism Category. (Images supplied)Melissa JavanGauteng’s Township Entrepreneurship Awards (TEA) recognised 16 businesses out of 33 nominees chosen by judges in 2016 from more than 200 entries. Each nominee received R100,000.The awards are an initiative of the Gauteng Provincial Government and are implemented by the Gauteng Enterprise Propeller (GEP). They were handed out in Johannesburg on 8 April 2017.Winners in the various categories received an additional R200,000 each.Aphiwe Madikizela of Ama X-Rays was named Entrepreneur of the Year; she also won the Services Award. She was awarded R500,000 for the overall prize and in total walked away with R800,000.The Lifetime Achievement Award went to Dr Sam Motsuenyane. He is the former president of the National African Federated Chamber of Commerce and Industry. Motsuenyane’s family received the award on his behalf.On Twitter, a local newspaper shared Motsuenyane’s thoughts on how to grow entrepreneurship in townships:Dr. Motsuenyane says more black entrepreneurs need to be trained as well as training in land utilisation needs to happen. #teawards2017— Mail & Guardian (@MG_Reporter) April 8, 2017Watch why Motsuenyane is being honoured:“This campaign is a bid to revitalise the Gauteng City Region townships’ economy,” said Thenjiwe Dube, the GEP manager of marketing and communications. The TEA was a creation of the Gauteng Provincial Government under its department of economic development, environment, agriculture and rural development, she explained.“It is heartening to note that in the face of such adversity, townships still produce formidable business men and women whom we hold up high as models of resilience, tenacity and excellence,” said Lebogang Maile, MEC for economic, environment, agriculture and rural development.MEC says next year they will push towards the winner going home with a R1million ?? #TEAwards2017— T E Awards (@TEAwards17) April 8, 2017Brand South Africa spoke to the GEP’s Dube.BSA: What is the aim of the TEA?Thenjiwe Dube: The awards are aimed at entrepreneurship development, exposure to market access, and development of competitive mindset. It also encourages entrepreneurs in the townships to move from being labourers and consumers to being black industrialists and manufacturers.BSA: How do the awards work and what are the criteria for entry?TD: There are several requirements for entry. The business should be operating for a minimum of two years. Compliance documents must be up to date. Importantly, entrants must be South African citizens and must display a strong financial performance, based on their turnover and growth, among other criteria.Aphiwe Madikizela (left) of Ama X-Rays is the Entrepreneur of the Year at the Township Entrepreneurship Awards on 8 April 2017. She is pictured with Lebogang Maile, Gauteng MEC of economic, environment, agriculture and rural development.BSA: How have the awards grown since last year?TD: Comparatively speaking, this year, the campaign created a lot of attention as a result of the television reality show TEA Business Battle This was done in partnership with e-TV.We had more than 200 entries last year, and a total of 33 were nominated. The judges followed the 33 nominees at their businesses premises and did the assessment and adjudication.Our focus was on the following sectors: food and beverages; tourism; creative industries; retail and financial; services; manufacturing; transport, automotive and components; construction, building and real estate; social and community; Entrepreneur with a Disability; Youth Entrepreneur of the Year; and Woman Entrepreneur of the Year, as well as the Entrepreneur of the Year.BSA: From what areas in Gauteng are the winners?TD: The winners are from five regions of Gauteng.The winnersStart-up Kwa Jerry Fast Food – Heremia MthombeniFood and beverages Goapele Bakery – Lerato Radebe and Itumeleng RadebeTourism Zazas Guesthouse and Spa – Ayanda HermanusRetail and finance Cool Apple Dude – Obedius NkunaServices Ama X-Rays – Aphiwe MadikizelaManufacturing Nambitha Nutritional Products – Sipho MzimbaAgriculture Bright Future Agricultural –Phindi ZwaneTransport, automotive and components Nyembe Waste ManagementConstruction, building and real estate Shirinda Trading and ProjectsCreative industries DV Nhlapo Productions – Daniel Vusi NhlapoSocial and community Ditshiamiso business Enterprise – Lucky Siwela and Lefa MolefeEntrepreneur with a Disability SKS Business Solutions – Petrus ZwaneYouth Entrepreneur of the Year Nambitha Nutritional Products – Sipho MzimbaWoman Entrepreneur of the Year Bright Future Agricultural –Phindi ZwaneEntrepreneur of the Year Ama X-Rays – Aphiwe MadikizelaCommunity Journalist of the Year Linda MnisiLifetime Achievement Award Dr Sam MotsuenyaneWould you like to use this article in your publication or on your website? 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Will Passivhaus Remain a Boutique Program?

first_imgMy hopesAs Joe Lstiburek said to Klingenberg at the end of her talk this year, “If you want to change the world, this can’t become a boutique program like R2000 in Canada.” I’d argue that he’s wrong in one respect: Passivhaus is already a boutique program. It’s got a tremendous amount of buzz for a boutique program, however, and its effect cannot be measured simply by the number of certified projects. That buzz could propel it into another realm.Is Passivhaus ready for the big time? I’m anxious to find out more when I attend the conference in Denver. My Passivhaus leaningsIn the ’80s and ’90s, I was a big fan of Amory Lovins. I remember reading about the house he built in Snowmass, Colorado—with their outrageous 9000 heating degree days—and how they relied mainly on passive solar gain and internal loads for heating the house. In fact, he would thank his guests for their heating contributions. I’d also been fascinated by the superinsulated houses of the ’70s and ’80s.In a way, Passivhaus is to heating loads as Grover Norquist is to government — Their goal is to reduce the heating load to such a small size that you could drown it in a bathtub (and thus eliminate the cost of the typically huge mechanical system). I can identify with that…to a point.I know that that Henry Gifford looks at the building envelope merely as the “assembly surrounding the mechanical system,” but the building envelope has to be where you start. I think the Passivhaus folks have gone a little too far in trying to design and build “homes without heating systems.” (Martin Holladay showed that that claim isn’t true anyway.) They’ve done a lot of great things to help move the superinsulation model forward, however.One thing I really like about Passivhaus is that they account for thermal bridging (places where heat can bypass the insulation) in a more realistic way. By contrast, the HERS energy modeling software factors in thermal bridging mainly through default framing factors for the various building assemblies.I also like that the ultimate goal is the reduction of primary, or source, energy consumption, and that they have a high standard for air-tightness. Plus, it’s encouraging to see Passive House incorporating HERS raters into the verification process. Passivhaus For BeginnersA Conversation With Wolfgang FeistPassivhaus Crosses the Atlantic A ‘Magic Box’ For Your Passivhaus Passivhaus WindowsAre Passivhaus Requirements Logical or Arbitrary?Podcast: Passivhaus, Part 1: Concepts and BasicsPodcast: Passivhaus, Part 2: The Standards Podcast: Passivhaus, Part 3: So You Want to Be a Passivhaus Consultant? I like the way Martin Holladay put it in his diagram explaining the broader goal: “You can save a lot more energy by installing 2 inches of foam under 7 houses than by installing 14 inches of foam under one house.”I’m also concerned about the cost-effectiveness issue. At a certain point, building envelope improvements become more expensive than adding photovoltaic modules to produce energy on-site.And then there’s the name. Should we call it Passive House or Passivhaus? Or something altogether different since it’s not truly passive, and it’s confusing because of the similarity to passive solar, which Passive Houses don’t have to be. Allison Bailes of Decatur, Georgia, is a RESNET-accredited energy consultant, trainer, and the author of the Energy Vanguard blog. You can follow him on Twitter at EnergyVanguard This weekend I bought my ticket to Denver for the Passive House conference at the end of September. The program has intrigued me since I first found out about it in 2007, but I haven’t gotten involved with it yet. That may be changing now.I made overtures a few years ago and then held back because my involvement with HERS rater training and serving raters as a HERS provider was consuming most of my time. The fact that the program didn’t seem well-suited to warmer climates and received some well-placed criticism from folks like John Straube and Martin Holladay didn’t make me feel like rushing in either. I’m sometimes accused of insisting on the perfect instead of the good (and not only by my wife!), but I do value cost-effectiveness and doing what’s practical. That’s why the Pretty Good House idea appeals to me.At the Westford Symposium on Building Science (a.k.a., Building Science Summer Camp) a couple of weeks ago, I spoke with Katrin Klingenberg and as a result, decided that I should attend their conference this year. Just getting to hear Amory Lovins and Joe Lstiburek speak makes it worthwhile to attend, of course, but my real objective is to find out where the program is headed. RELATED ARTICLES My reservationsAs I mentioned above, one of my biggest questions about Passivhaus has been its suitability to warmer climates with humidity. I live in the Southeast where cooling and dehumidification are significant factors. Having a really well insulated and air-tight home with no thermal bridges isn’t going to get you all the way to home plate. Mechanical systems are critical, and I was happy to hear Klingenberg discuss the importance of dehumidification in her Summer Camp talk.Extreme energy reduction is great, but you also need to make sure that the people who live in the home will be comfortable and healthy. In the latest article in her blog (the Klingenblog), Klingenberg seems to be holding tight to the energy reduction target. As she states there, “refining the annual figure to climate zones will result in a tightening of the standard in some climate zones – not a relaxation, as some generally understood the proposal to do.”last_img read more

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