Downs Rachlin Martin PLLC,Attorney Peter D Van Oot of the law firm Downs Rachlin Martin PLLC has been named Volunteer of the Year for 2011 in the eleven northeast states by the Northeast Economic Development Association. The award will be presented at NEDA’s annual meeting on October 24 at the Sheraton Hotel in Burlington. ‘Pete Van Oot worked tirelessly to promote economic development in southern Vermont during his many years in Brattleboro,’ according to Jeff Lewis, executive director of the Brattleboro Economic Development Corporation. ‘His focus and leadership helped the organization create a dynamic strategy that addressed widespread economic decline in the region. Under his leadership BDCC developed a CEO council, a robust public policy activity, annual plan reviews, and led a transformation of board membership. BDCC now annually exceeds its goals for economic development and its own financial stability. Based on Pete’s work with the board, BDCC is now leading a regional strategy project looking to address long-term job and population loss, and the prospective loss of the region’s largest employer.’ For the past several years, Van Oot has been transitioning from Brattleboro to the firm’s Lebanon office, where he has recently worked with the Green Mountain Economic Development Corporation. ‘The GMEDC is the economic development engine for the east-central and Upper Valley regions of Vermont,’ explained Joan Goldstein, executive director. ‘Pete has brought that same deep level of commitment to his role on the board at GMEDC. Leadership of this type ought to be recognized, and I am pleased that NEDA saw it the same way we did.’ The Volunteer of the Year Award recognizes an individual who serves without pay to promote effective economic development. Criteria include service to community, region, and/or organization; demonstrated leadership, and long-term commitment. At DRM, where he is a director, Van Oot advises commercial clients, utilities and institutions on significant policy issues, permits and transactions that require a range of expertise in corporate, environmental and real estate law. He co-chairs the firms Regulated Entities Group. He has been selected by his peers for recognition in The Best Lawyers in America, is recognized among New England Superlawyers and earned the AV Preeminent Peer Rating from Martindale Hubbell for environmental law. He is also recognized in Chambers USA 2011: America’s Leading Lawyers for Business. Outside of his professional duties, Van Oot serves on the board of the Vermont Chamber of Commerce and GMEDC. He has served as president of the Brattleboro Development Credit Corporation and is a former member of Vermont Governor James H. Douglas’ Jobs Cabinet and the Brownfields Advisory Committee to the Vermont Legislature. He is a member of the Vermont Community Foundation, has been chair of the United Way of Windham County and was a member of the board of World Learning, Inc. The Northeastern Economic Developers Association consists of over 500 professional economic developers, appointed and volunteer economic development officials, and others committed to sound economic development practice, in the eleven northeastern states and the District of Columbia. (Specifically, these states include Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont.) NEDA provides professional development education, publishes information about best professional practices, and supports the pursuit of individual economic development education throughout the Northeast. Downs Rachlin Martin PLLC is a full-service law firm with more than 60 attorneys and six offices in Vermont, New Hampshire and New York. DRM provides legal services to local, national and international clients in practice areas that include bankruptcy and business restructuring, business law, captive insurance, energy and telecommunications, family law, health law, intellectual property, labor and employment, litigation, real estate and land use, environmental law, tax law and trusts and estates. The firm represents clients in legislative, regulatory and public affairs through the Government and Public Affairs group. DRM is the law firm member for Vermont of Lex Mundi, the world’s leading association of independent law firms.
The continuation of the Bar’s Dignity in Law Program, ethical issues, and legislative matters are expected to occupy the Bar Board of Governors when it meets in Tallahassee January 31.When the Dignity in Law program was launched last year, it was approved for only one year, although it was conceived as a three-year project. As part of the Bar’s 2003-04 budget process, Bar President Tod Aronovitz has appointed a special committee to review the program and make recommendations.“I envision having committee members interview any key players in the Dignity in Law program, review the budgetary impact of the program for this year and beyond, and study any performance measurement completed to date,” committee Chair Jesse Diner wrote to committee members.Other members of the panel are board members James Lupino, David Rothman, Robert Rush, and Jennifer Coberly.The program, managed by rbb Public Relations of Coral Gables, is expected to cost about $750,000 this year, although much of that has been offset by voluntary contributions, and a similar amount next year.The board is scheduled to review and initially approve the entire 2003-04 budget when it meets again early in April.Legislatively, the board expects to get numerous requests from sections for lobbying activities. Sections frequently set their legislative positions during the Midyear Meeting, which runs January 15-17.Under Bar policies, sections are given great latitude in deciding issues they wish to lobby, with the board reviewing those positions to ensure they do not conflict with Bar positions or cause deep divisions among Bar membership. Sections are allowed to take positions opposing each other.On ethical matters, the board will review two Professional Ethics Committee actions.On one, the PEC upheld a staff opinion saying an attorney could not charge a contingency fee for determining the division of a military pension. Normally that would have been determined as part of the divorce — where contingency fees cannot be charged — but in this case the divorce was done in a German court which did not have jurisdiction over the pension.The PEC agreed that a contingency fee would not be allowed under Bar Rule 4-1.5(f)(3)(A).The second case involves an attorney who represented a condominium homeowners association and perhaps some individual unit owners against a developer for construction defects. The attorney now wants to defend the association in individual suits brought by unit owners over the same defects. Bar staff initially said that could be a conflict if the attorney had represented the individual owners as part of the earlier suit, and the PEC agree. But the attorney has since submitted a court ruling, saying there is no conflict, which may make the issue moot.Several rules will come to the board for final approval (see the official notice in this News. ) Those include a rule clarifying how reasonable costs are determined and provides a safe harbor for costs, and a rule broadening the Bar’s rule that generally prohibits attorneys having sex with clients.On other matters, the board is expected to get a report from its Technology Task Force updating work on a proposed Bar Internet portal, which would offer members many free services including legal research. The Program Evaluation Committee also will report on several programs it is reviewing, including the Bar’s professionalism efforts.The board also will appoint two lawyers for three-year terms to The Florida Bar Foundation Board of Directors.The day before the board meets, board members will attend the Supreme Court’s annual pro bono awards ceremony at the court. Board of Governors to meet in Tallahassee January 15, 2003 Regular News Board of Governors to meet in Tallahassee
Google publishes what they’d like to think is a “one-stop shop for consumer trends, marketing insights and industry research. They call it Think with Google, and in 2018 they published a number of consumer habits that should have a dramatic impact on the banking industry. Here’s five key ways these consumer insights should impact your credit union in 2019…Google Consumer Insight #1: ‘People are always shopping’According to the most recent insights “84% of Americans are shopping for something at any given time, in up to six different categories.”This is a remarkable statistic and one that must inform how credit unions operate. We know that the buying journey for banking products and services is typically greater than three weeks, so what this means is that FIs need to provide useful information along the way for consumers and don’t just bank on advertisements to drive quick conversions.Further “nearly 9 out of 10 shoppers are not absolutely certain of the brand they want to buy when they begin looking for information online via their smartphones” which means they are likely open to considering new options, if found along the way during their research phase. This is exactly what Inbound and Content Marketing provides! Helpful content that nurtures a person as they are moving through the consideration phase of shopping.Google Consumer Insight #2: ‘They’re searching with natural language’When people are searching there are using phrases like ‘do I need’ within the content they are looking for. For example, ‘how much money do I need to put down when buying a home?’ could be a search phrase relevant to FIs.It’s important that CUs use this insight to inform the content on the institution’s company website. Find the keywords that best highlight your product or service areas you’d like to target for growth and then create content around those topics that works in natural language search. We also recommend optimizing your locations for local search and including schema for better voice search results when users are searching with Siri, Google Home, Amazon Echo, etc.Google Consumer Insight #3: ‘They want things nearby and now’This insight ties in directly to the last point about optimizing your website for local search. One of the main differences between local credit unions and larger national bank chains is the local touch. Regional financial institutions tend to have good local branch penetration in areas of service and deep connections within nearby neighborhoods and communities.Use this to your advantage by including content on your website that is well-position for ‘near me’ or ‘open now’ searches, which are increasing by leaps and bounds. With mobile searches that include ‘open + now’ growing 200% in the last year, there’s a ton of space for your local FI to gain traction online.Google Consumer Insight #4: ‘More research = fewer regrets’Again, here we are right back at the Inbound Methodology… and even Google confirms that conducting research is a new and growing phase of consumer behavior. This is where your credit union can shine! Include helpful content that isn’t overly salesy on your website and social media channels. People are ready and willing to learn as much as they can about new products before they make a final purchase decisions. This is especially true for complicated items like financial products and services. So make sure your content is in the mix.Google has also shown through past research that the average banking customer consults 8.9 sources of information before making a new account or product decision. It’s essential that your FI is creating content that will serve as one of these sources of information, or you will quickly be losing market share.Google Consumer Insight #5: ‘Voice-activated-speaker owners welcome brands’With research done from 1500 people who own Google Home or Amazon Echo, Think with Google has determined that these consumers “are open to receiving information that is helpful and relevant to their lifestyle. In fact, one respondent said the ability to purchase things made it feel more like an actual assistant.”What this means for financial institutions is that there is space in voice search for educational resources around making sound financial decisions. You can tailor this content to a specific demographic, or perhaps try to target parents and baby boomers, as these are two populations Google is seeing make huge investments in voice-activated assistants.To learn more visit the FI GROW website or blog and let’s help your financial institution grow 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Meredith Olmstead Meredith Olmstead is the CEO and Founder of FI GROW Solutions, which provides Digital Marketing & Sales services to Community Financial Institutions. With experience working with FIs in markets of … Web: www.figrow.com Details
The CFPB is beginning to collect information that will be included in its biennial report on the state of the credit card market. NAFCU is seeking credit unions’ comments on how their practices with regard to credit cards might have changed in the past two years.The bureau is required to review the state of the credit card market by the Credit Card Accountability Responsibility and Disclosure Act (CARD Act). NAFCU, in a Regulatory Alert sent to member credit unions Wednesday, notes that the bureau’s request for information (RFI) seeks commentary including, but not limited to, a review of:the terms of credit card agreements and the practices of credit card issuers;the effectiveness of disclosures of terms, fees, and other expenses of credit card plans; continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
If you’re spending too much money on food, the easy remedy is to eat out less. If you’ve already done that, then you may be looking for ways to cut back on your grocery bill. If you’re having trouble figuring out how to spend less at the grocery store, here are a few things to think about…Only buy food: It can really be convenient to get all your shopping done at one place, and if you’re buying groceries at Walmart or Target, you might be on to something. But if you’re using your local grocery store as the place you always buy things like shampoo or deodorant, you may be throwing money away. Even though you may have to make an extra trip, you can save money by getting those non-food items somewhere else.Don’t shop so often: Every time you go to the grocery store, it can be tempting to grab an extra item or two that isn’t on your shopping list. If you’re shopping once or twice a week, those extra purchases can add up quick. Try to do your grocery shopping no more than once a week, make a list, and stick to it.Pay attention to unit prices: If you buy a 24 pack of Dasani bottled water each week, check out that 36 pack. You may not think you have room for it, but buying those extra 12 bottles could save you a good bit of money when you look at the unit price. But, unlike shopping at bulk stores like Costco, you can’t always count on the higher count items being cheaper at your local grocery store. My local grocer often has a certain brand of sliced cheese on sale, but only the 12 slice packs. When on sale, I can get two 12 slice packs for .75 to 1.00 less than the price of one 24 slice pack. Pay attention to what’s on sale and check those unit prices. 307SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details
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Where first home buyers have the upper hand The RBA is under pressure after the latest figures saw inflation flatline.Finder insights manager Graham Cooke said latest 0 per cent inflation results could “have far-reaching implications for our economy” and be a “huge worry” for the RBA whose inflation target was between 2 per cent and 3 per cent.“A quick rate cut would be the textbook way to stimulate the economy — but the general trend here suggests they will wait until after the election, and pass on a cut in June,” he said.“Irrespective of May’s decision, the majority of experts (84 per cent) expect at least one cut by August and many expect another cut after that — meaning a cash rate of 1 per cent is in sight.”Mr Cooke said there had been a “dramatic shift” in expert opinion from 90 per cent last year believing there would be a cash rate hike come the end of 2019 to just 8 per cent expecting that now. Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 0:58Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:58 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD432p432p216p216p180p180pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenHow much do I need to retire?00:58 The latest Finder RBA Cash Rate Survey for May 2019 has seen a major shift in expert opinion compared to predictions made last year.The Federal Election was the only thing standing in the way of a rate cut come Tuesday, according to IFM Investors chief economist Alex Joiner.“This is the first ‘live’ meeting for the RBA for some time. However, the timing of the Federal election does give rise to the prospect of (a cut) being politicised, which may be awkward for the (Reserve) Bank”.This as fears over flat inflation and a weak housing market muddy the waters for the RBA board, which would hit a record 30 meetings in a row of not moving on rates come Tuesday.More from newsParks and wildlife the new lust-haves post coronavirus13 hours agoNoosa’s best beachfront penthouse is about to hit the market13 hours ago Positive economic sentiment May 2018 — May 2019. Source: Finder RBA Cash Rate Survey.“If we don’t get a cut on Tuesday, it’s incredibly likely we will see one within the next three months. If the banks follow suit, this could be great news for borrowers because it means the cost of borrowing will become cheaper.”He said homeowners should be looking for rates with a “3” in front of it.Housing affordability was among the key issues floating this election, with Finder’s Economic Sentiment Tracker seeing positive sentiment on that drop to its lowest level since August 2018 (39 per cent). MORE REAL ESTATE NEWS Inside our Pollies’ property portfolios Investor surged tipped if Labor wins election FOLLOW SOPHIE FOSTER ON FACEBOOK The tide has turned for rates, with the majority of experts predicting a cut within the next three months and another to come before year end.Homeowners are set to be big winners, with a historic rate cut now on the cards, according to experts.The odds have shortened dramatically for the first time in three years, with the latest Finder RBA Cash Rate survey finding one in four experts expect a rate cut as soon as tomorrow, while the vast majority (84 per cent) believe this will happen within three months. A 25 basis point cut would make the cash rate target 1.25 per cent, a historic low for Australia, with the last move having been in August 2016 to 1.5 per cent. But that low could go even further, according to the survey, with three-quarters of experts (73 per cent) predicting an unprecedented 1 per cent cash rate come year end.
According to the company, oil prices remain volatile at the start of the third quarter, in a context of ongoing high inventory levels. In this uncertain environment, the group’s strong financial performance confirms the success of its strategy to reduce its breakeven point and grow its cash flow, the company said.The company also said that, in the Upstream, annual production growth should be more than 4% in 2017, supported by the start-up in mid- July of operations on the A1-Shaheen field in Qatar and the continued ramp-up of new projects, notably Kashagan in Kazahkstan and Moho Nord in Congo. Production from Moho Nord started in March 2016.Start-ups of new projects will continue in the second half, mainly with Libra Pioneiro in Brazil and Edrad0ur-Glenlivet in the United Kingdom.Total emphasized it is continuing to relentlessly pursue its efforts to reduce the cash breakeven. The good results of the cost reduction program allow it confirm its announced objective of 3.5 B$ for 2017, and the decrease of production costs to 5.5 $/boe in 2017 and then to 5 $/boe in 2018. Organic investments for the year should be between 14 and 15 B$, which allows the Group to sustain its growth.Offshore Energy Today Staff Oil prices remain volatile French oil major Total posted lower profit for the second quarter of the year despite increase in production and revenues as it looks to further cut costs. The company recorded a net income for the second quarter 2017 of $2.03 billion, a decrease when compared to the second quarter of 2016 and net income of $2.12 billion.On the other hand, the company’s revenues for the second quarter of this year increased to $39.9 billion from $37.2 billion in the corresponding period of 2016.Hydrocarbon production in the second quarter 2017 was 2,500 thousand barrels of oil equivalent per day (kboe/d), an increase of 3% compared to the second quarter 2016, due to project ramp ups, notably Kashagan, Moho Nord, Incahuasi, Surmont and Angola LNG, acquisition of an additional 75% interest in the Bamett shale in the United States and asset sales in Russia and Norway, improved security conditions in Libya and Nigeria, offset by natural field decline, the PSC price effect and OPEC quotas.Total achieved a 9 percent increase year-over-year in average crude oil price.The exploration & production segment’s adjusted net operating income was $1.359 billion in the second quarter 2017, an increase of 30% compared to the second quarter 2016, notably due to production growth, cost reduction, and the increase in oil and gas prices.Adjusted net operating income for the gas, renewables & power segment increased to $95 million in the second quarter 2017, notably due to the contribution of gas activities.Total CEO Patrick Pouyanné commented: “In a price environment that remains volatile, Total again delivered an excellent set of quarterly results with adjusted net income of $2.5 billion, a 14% increase compared to a year ago, and operating cash flow before working capital changes of $5.3 billion, a 33% increase, while Brent only increased by 9%.”Pouyanné continued: “In the Exploration & Production segment, second quarter 2017 operating cash flow before working capital changes increased by almost 50% compared to the same quarter last year, benefiting from production growth of more than 3%, driven by start-ups and ramp-ups of new cash-accretive projects, as well as the cost reduction program, which continues to be implemented with determination.”
The Integrated Provincial Health Office (IPHO) says no new case of meningococcemia has so far been reported after the death of a three-year-old boy suspected to have acquired the disease while on vacation in Barangay Buhang, Hamtic, Antique. ABS-CBN NEWS The boy, who was on vacation with hismother in Barangay Buhang, Hamtic town, was rushed to the Angel SalazarMemorial General Hospital here on Jan. 13 due to fever, convulsion andvomiting. SAN JOSE, Antique – The IntegratedProvincial Health Office (IPHO) here said no new case of meningococcemia has sofar been reported after the death of a three-year-old boy suspected to haveacquired the disease. “Aside from our surveillance, we alsourged people in the barangay or those who had contact with the boy to reportimmediately to the health team if they developed fever or any signs andsymptoms of meningococcemia and so far, there had been none,” he added. He added they have yet to confirm thecause of the boy’s death based on the results of the blood sample submitted forlaboratory examination to the Research Institute for Tropical Medicine. IPHO chief Dr. Ric Noel Naciongayo onMonday said their medical team is visiting daily the village where the boy wentfor a vacation to check for possible signs of the disease on the people who hadcontact with the victim. None of them had been reported to show signs of thedisease. The IPHO team administered prophylaxisRifampicin and Ciprofloxacin to around 70 villagers and to those who hadcontact with the boy including the medical team. “Even if there is no more suspectedmeningococcemia case, the IPHO will continue its surveillance to ensure that nosimilar disease will occur,” Naciongayo said. He passed away on the same day and hisbody was immediately buried at the Egaña Municipal Cemetery in Sibalom townupon the advice of the medical team to ensure no one would be exposed to thedisease.(With a report from PNA/PN)