Orange juice and the millennial factor

first_imgOrange juice is a precious luxury. Yes, you read correctly. I know what you’re thinking, “What is this guy talking about?” As a young boy growing up in meager circumstances, orange juice was an expensive commodity. I remember all too well my mother’s words as she caught me sneaking a second glass, “What are you doing?  You know we can’t afford that!” Money was not easy to come by. Forever ingrained in my memory is a sign my mother posted on the back of our minivan, which had been looted the previous night. It read, “That $25 you stole last night was all the money I had to feed my family for two weeks.” Despite what must have seemed like impossible challenges, my mother earned her college education, and as a result, elevated her family to a new standard of living. Bring on the OJ! I learned that education is the key to changing one’s circumstances.Consider this for a moment. According to statistics shared by Jim Nussle, CEO of CUNA, Millennials comprise the largest generation alive today at nearly 75 million strong. They currently spend nearly $1.3 trillion annually and are expected to comprise 75% of the global workforce by 2025. If that hasn’t caught your attention, consider this:  60% have debt from credit cards and student, automobile, and mortgage loans; 80% have at least one debit card. Despite those staggering numbers, only 15% use a credit union. Further, according to a study conducted by the BYM Agency, over 70% have no idea what a credit union is! We have to earn the trust of what will become the largest generation in history, and trust me, they don’t want to worry about their next glass of orange juice. How do we do it? Education is the key.Our credit union, in league with Cemark, Inc., implemented a financial literacy program in local high schools. It’s integrated directly into the schools’ annual curriculum and is taught by the teachers. In the first year alone, over 150 students were taught the value of credit unions. Now in its third year, what began in one local high school, has expanded to four, and has reached over 450 students. It’s changing lives as illustrated by one teacher who stated that her students were “able to make so many connections to their present and future lives” and that they “will be ready for financial success and security.” Inspired by this, I plan to expand this project even further by exploring internships and scholarship programs. continue reading » 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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What’s not to like about Irvine Sellar’s ‘shard of glass’?

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would 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 newsletterslast_img

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B&H Snowboarder Darijan Hunček Qualified for the World Junior Championship

first_imgYoung B&H Snowboarder Darijan Hunček qualified for the World Junior Championship in Igls, Austria, announced B&H Snowboarder Alliance.“The success of our athlete is even greater because he started snowboarding in the season 2013/2014. With the talent, great commitment and hard work and with the support of his trainer Senad Omanović, Darijan Humček is a great hope for this sport”, said in the statement.The World Junior Championship will be held on 31st January and 1st February.(Source: Fena/photo: Facebook)last_img read more

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Raiders place Feliciano on IR, sign two guards

first_imgALAMEDA — With both guard spots up in the air heading in to their Week 15 road game in Cincinnati, the Raiders added Cameron Hunt and Denver Kirkland Tuesday to the 53-man roster.Jon Feliciano, who started at left guard in a 24-21 win over Pittsburgh, was placed on injured reserve with a calf injury and will miss the last three games of the season. The Raiders also waived C.J. Anderson, the former Denver running back who was added to the roster last week and was not active against …last_img read more

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West Holmes FFA chapter attends National Convention

first_imgShare Facebook Twitter Google + LinkedIn Pinterest The West Holmes FFA chapter traveled to National Convention in Indianapolis, Indiana October 29 through November 2nd.  Seven FFA members attended convention. The 7 members who attended National Convention were: Natasha Averbukh, Cora Crilow, Phillip Lepley, Ally Ogi, Jayme Pennell, Chloe Shumaker, and Chase Stitzlien. Chaperones Ms. Chenevey and Ms. Miller also joined the members.Ally Ogi, Chloe Shumaker, Natasha Averbukh, Cora Crilow, Phillip Lepley, Jayme Pennell, and Chase Stitzlein with Lacey Quail while touring Michigan State’s sheep farm.On Tuesday, the chapter departed from the school to start off touring Sunrise Cooperative, after touring sunrise they departed for Colmeans Corn Maze in Michigan. They spent that night in Michigan before the first full day.On Wednesday, the chapter started their day in Michigan. They toured the Michigan State University sheep and horse and horse facilities. Members then ate lunch in Michigan State’s Brody Commons. After that, they departed for the world’s largest robotic dairy farm under one roof in Plymouth, Indiana. They saw how a small family ran a huge dairy farm with the help of robots. To finish the day they got to eat at a Japanese Steakhouse in Indianapolis.Ally Ogi, Chloe Shumaker, Natasha Averbukh, Cora Crilow, Phillip Lepley, Jayme Pennell, and Chase Stitzlein with Lacey Quail while touring Michigan State’s sheep farm.On Thursday, Logan Schlauch and Jayme Pennell attended the Proficiency Award Luncheon and interview process. Other members attended the first session where they heard keynote speaker Bob Goff talk about how we can impact others and that kindness is always the route to take. Later, members were able to shop and visit the trade show. Finally, the members went attended the Buckeye Bash, where all the Ohio FFA Chapters get together to have a dance.On Friday, the chapter went and rode horses at Ft. Harrison State Park. Then they supported Logan Schlauch and Jayme Pennell as they walked on stage as a National Proficiency Finalists. Last May, Logan won in Ag processing and Jayme won in Wildlife Management so they got a chance to walk on stage even though they did not win, it was a great opportunity. They each got a pin and $500 and represent .00029% of FFA membership. Then members went to dinner. The chapter returned to the hotel where they watched the 6th session and listened to speaker Michelle Poler who talked about stepping out of your comfort zone and facing your biggest fears.Cora Crilow, Chase Stitzlein, Chole Shumaker, Jayme Pennell, Logan Schlauch, Ally Ogi, Natasha Averbukh, and Phillip Lepley after Logan and Jayme received their awards for being a proficiency finalist.On Saturday, the chapter watched graduates, Marissa Lamp, Thane Kaufman, Juanita Miller, Jake Napier, Sarah Sprang, and Leon Williams receive their American Degrees. The American Degree is the most prestigious award given to anyone in FFA, it is a very challenging degree to achieve, but its rewards are worth it. In order to get this degree applicants must have obtained the Greenhand Degree, Chapter Degree, and State Degree; they also must have been involved in FFA for at least three years; Must have graduated at least one year prior to the National Convention; invested a total of $7,500; have good leadership skill; been involved in a large number of community service activities; and maintained a “C” or higher. They represent 1% of the FFA membership. Congratulations to all members who received their American Degrees. After the session, the chapter went on their safe journey home.last_img read more

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BCCI moves HC against arbitrator’s stay to Royals’ termination

first_imgThe Cricket Board on Thursday moved the Bombay High Court against the arbitrator’s stay to the termination of contract with IPL franchisee Rajasthan Royals by it.The High Court will fix a date of hearing of BCCI’s appeal on Friday.Justice BN Srikrishna, who was appointed as arbitrator with the consent of both the parties, on November 30 stayed the termination saying that prima facie it was ‘illegal’.Meanwhile, in an other development, Kings XI Punjab today alleged before the High Court that the BCCI “deliberately” kept silent on arbitrator Justice Srikrishna’s disclosure that he might have to pull out of arbitration.The BCCI terminated franchisee contract with Kings XI too and this dispute has also landed in the High Court as Justice Srikrishna yesterday recused himself from arbitration.The former Supreme Court judge disclosed that he had once represented (as a lawyer) Bombay Dyeing, whose owner Ness Wadia has a stake in Kings XI. Following which, BCCI said that it had some “reservations”, and Srikrishna decided to pull out of the proceedings.But today, Kings XI lawyer and senior counsel Darius Khambata alleged that Justice Srikrishna had disclosed this fact on November 23, during arbitration proceedings between BCCI and Rajasthan Royals, but BCCI did not take exception to his acting as arbitrator in Kings XI dispute until yesterday.”BCCI kept silent deliberately… They strung us along for one week as the deadline for negotiating with ‘marquee players’ is to expire on December 6,” said advocate Khambata.Justice S J Vazifdar, who was hearing the case today, remarked: “The learned judge (Srikrishna) ought not to have recused.” .advertisementAs the High Court is going to hear both Kings XI’s petition, as well as BCCI’s appeal against arbitrator’s stay in Rajasthan Royal’s case next week, Kings XI today said that BCCI should postpone the date by which IPL franchisees are to submit list of contracted ‘marquee players’.As per the current schedule, teams are to conclude their contracts with four marquee players by December 6.Marquee players are the ones who had been with the franchisee for the previous three years. Every team can retain four marquee players, including a maximum of three Indians.After December 6, those players who have not been signed up by their existing team, can enter into contract with other franchisees.Kings XI’s case is that since its franchisee contract is terminated, it is at a disadvantage while negotiating with players.But BCCI lawyer advocate CA Sundaram said that the cricket body was not ready for this, though it was ready to postpone the next stage, when teams can start signing up remaining players, till December 10.Justice Vazifdar said he would pass order on this on Friday.last_img read more

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Chennai talkies

first_imgFrom Rajnikanth to powercuts, a lowdown on the city’s good, bad and the ugly. Tishani Doshi, Poet and DancerThings I like about Chennai1. The coastline, without which this city wouldn’t be able to breathe. 2. The Theosophical Society, a haven of green in an otherwise concrete jungle. 3. The cuisine.,From Rajnikanth to powercuts, a lowdown on the city’s good, bad and the ugly.Tishani Doshi, Poet and DancerThings I like about Chennai1. The coastline, without which this city wouldn’t be able to breathe.2. The Theosophical Society, a haven of green in an otherwise concrete jungle.3. The cuisine. Nothing makes me happier than paying Rs 7 for a plate of vishranti idlis.Things I’d like to change about it1. I’d impose fines for bad mobile phone etiquette, extra-loud speaking, excessive horn usage and cars that make musical noises when they reverse.2. Lessons in civic consciousness like no urinating in public or dumping garbage in your neighbour’s property.3. The roads, public transport,pathways for pedestrians. Plant more trees.And how about breathing life into our dead, sludgy rivers?Khushbu Sundar, Actor and PoliticianThings I like about chennai1. The warmth of the people in this city.2. Fantastic food with the fact that you can always find something to eat anywhere and at any time.3. The mazhgazhi season of music, dance and festivities in the city.Things I’d like to change about it1. The traffic.2. Sometimes people act ignorant about troubles and don’t help out, I wish I could change that attitude.3. I don’t want any more buildings to come up, or else Chennai will also become another concrete jungle.Sundeep Kishan, ActorThings I like about Chennai1. The religious harmony.There’s no communalism.2. People are willing to go out of their way to help one another and that’s not something you will find in other cities in this day and age when people are so self-obsessed.3. Rajnikanth.Enough said.Things I’d like to change about it1. Everything in this city is politicised and this definitely needs to stop.2. The system of education in engineering and the so-called corporate colleges.3. There needs to be some kind of disposal system to take care of the heaps of garbage which can be seen everywhere.advertisementJigyasa Giri, DancerThings I like about Chennai1. It’s nice to have a strong woman in power.At the same time I hope she serves the state well and brings in good governance.2. I love the pace of life in Chennai, it provides you space to do what you wish.3. The simple lifestyle of people in general.Things I’d like to change about it1. The filth and garbage on our roads.As citizens of this city we need to work on our basic civic sense.Even educated people litter the roads.2. The callous attitude and shocking state of the Chennai passport office and its officers.3. The frequent power shutdowns.Karti P Chidambaram, PoliticianThings I like about Chennai1. The sporting nature of our spectators at sports events.2. Chennai accepts outsiders and assimilates them easily.3. There is no widespread vulgar display of wealth in this city.Things I’d like to change about it1. The garbage clearance, recycling and management needs to be improved.2. Public toilets, which we don’t have but need sorely. (We don’t need a seat in the UN but need more toilet seats here.)3. Definitely need to imbibe civic sense amongst the residents of Chennai.last_img read more

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Eggins wins Rod Wise Medal

first_imgPenrith Touch Association and the Sydney Mets’ Director of Referees, Greg Eggins has been recognised for his contribution to the sport of Touch Football at the New South Wales Touch Association’s Blues Dinner, being named the Rod Wise Medal winner for the Volunteer of the Year. Eggins has been involved in the sport of Touch Football, particularly in the arm of refereeing, for close to 30 years, both in Australia and abroad. Eggins told the audience at the Blues Dinner that he was ‘very honoured’ to accept the award.“There are a lot of good people in this room who spend a lifetime for our sport, we’re an amateur sport and there is a lot of dedicated people here. I’m very honoured to be here tonight to accept this award, there are a lot of other people who could also be here too as well,” Eggins said.  In his role of Director of Referees at Penrith, Eggins has helped develop a large number of junior referees, including three of the five current Talented Referees Youth Squad (TRYS) members. “I’ve had a lot of fun the past couple of years especially with the development of junior referees and had the honour of three selected in April this year out of five vacancies and that was a highlight.”“I’ve got 14 referees at Penrith that are teenagers from 12 refereeing Men’s division one up to age 17 or 18 and I dedicate this award to them including Nick Thornton, aged 12, and Emma Thornton who could probably do my job at Penrith as the Director of Referees as she’s learnt a lot over the past 18 months.”Eggins’ Touch Football career started in the mid 1980’s in Brisbane, before going overseas and then coming back to continue his work in the referee discipline. “I started in Brisbane in 1985, went to England, helped form the UK Touch Association, came back and spent time in Canberra in 1989 when I was the assistant Director of Referees and then Parramatta. Then Hawkesbury in 1991, up to RAAF Base Williamtown in 1992/93, helping out Tilligerry and Wallsend. I had a lot of referees at the RAAF Base, about 50 referees and pushed them out to Maitland, Newcastle and Tilligerry. As the Mets Director I’ve got to try and help the other affiliates, I’d like to do more, it’s not easy and you rely on the other Referee Directors to help develop referees.”“There’s a lot of good friends in the room who have helped me develop referees, coach referees and be a team leader at tournaments. To all of the players, they are the challenge, they always push the boundaries, they love gamesmanship and our job is there to referee in an unbiased manner as we can and that’s what I pride myself on and try to do. So as I get older, I try to put more back into the junior referees now because that’s our future and we need those referees.”Related LinksRod Wise Medallast_img read more

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