Category: dyazmcsz

Former Saint Mary’s student dies in accident

first_imgThe death of former first year Madelyn Stephenson has weighed heavily on the Saint Mary’s community in recent weeks. Stephenson is remembered fondly by friends and faculty, and a memorial service for Stephenson will be held Friday at 4 p.m. in Regina Chapel.Stephenson, 19, died Friday, Jan. 3 from injuries sustained in an automobile accident.According to The South Bend Tribune, the Marshall County Sheriff’s Department said Stephenson was southbound on U.S. 31 near 7B Road in Plymouth, Ind., just after 11 a.m. on Friday, Jan. 3.  Stephenson’s Honda was struck on the driver’s side after turning into the path of a semi-tractor.The investigation is ongoing with assistance from the Indiana State Police, according to the Tribune. Alcohol was not a factor in the incident, the Tribune reported.Though Stephenson was planning to attend Indiana University in Bloomington this spring, she completed her fall semester at Saint Mary’s while living off campus in Granger, Ind., her hometown.Fellow first year and friend Elizabeth Renner said she especially enjoyed sitting next to Stephenson and listening to all the funny jokes she would utter beneath her breath in their Arabic course last fall.“Madelyn was shy, but once you got to know her, she was someone very special. She was bubbly and had great enthusiasm for the Arabic language,” Renner said.  “After moving seats towards the end of the semester, I was able to get to know her better.  She was so helpful whenever I did not catch a phrase or if I missed class. She was always ahead of the class and a very smart girl.  I wish the rest of the class had a chance to hear her hilarious jokes. She will be missed by our Arabic class so much.”Her teachers from the College remember her as a quiet but friendly student with a passion for the sciences and learning.Stephenson’s advisor and associate professor of biology Ryan Dombkowski said she was passionate about science and had plans to pursue a degree in environmental science.“Madelyn was a quiet and reserved young woman, yet full of enthusiasm about science, especially with regard to the environment,” Dombkowski said. “From the short time I knew her, she was quite pleasant to have in class. I am sure she brought a lot of joy and happiness to her family, and our thoughts and prayers are certainly with them during this difficult time.”Another of Stephenson’s professors, Professor Soraya Wirth, remembers her as passionate about her studies and medicine in Wirth’s Arabic course.“I found her to be very studious, to be a person with a very legitimate passion for learning … and to thoroughly enjoy the culture and traditions of Middle-Eastern countries.” Wirth said, “Madelyn shared with me and her classmates her dream of becoming a doctor, and she was very excited about it.”Wirth also said Stephenson stood out academically and respected by her classmates.“She was one of my best students and had not missed any Arabic class throughout the semester. Madelyn was highly respected and regarded by all of her classmates, and she was always in control over any adverse situation,” Wirth said. “I am so sad that her journey came to an end with this horrible accident … she was a truly enjoyable student.”Saint Mary’s President Carol Ann Mooney expressed her sympathy to the College’s community in a Jan. 7 email.“On behalf of the entire Saint Mary’s College community, I would like to express our heartfelt condolences to Madelyn’s family,” Mooney said. “Our thoughts and prayers are with them. Death is never easy, especially when it is a young person with so much life ahead of her.”Grief counseling is available to students through Saint Mary’s Women’s Health Center, Campus Ministry and Residence Life and Community Standards.Tags: Automobile Accident, Madelyn Stephenson, Memorial Service, president carol ann mooney, South Bend Tribunelast_img read more

China State News Agency: Coal Industry Requires Restructuring

first_imgChina State News Agency: Coal Industry Requires Restructuring FacebookTwitterLinkedInEmailPrint分享From Reuters:Coal demand from China will slow over the next five years and the industry should focus on restructuring and upgrading, state news agency Xinhua reported on Tuesday citing the China National Coal Association (CNCA).Jiang Zhimin, CNCA vice-president, told Xinhua that the service sector was now the main driver of China’s economic growth, adding that the government was increasingly replacing coal with cleaner, non-fossil fuels.“Over the 13th five-year-plan period (2016-2020), the coal industry should focus on promoting structural adjustment, restructuring and upgrading,” he said, adding that this included eliminating excess production capacity, building larger power plants and encouraging the development of downstream activities.He said, however, that coal remained China’s primary energy source and that trends such as urbanization and industrialization would support energy demand growth.Demand from China, the world’s top coal consumer, has been on the wane amid slowing economic growth and a shift away from fossil fuels to curb pollution.Last week, the cabinet said China will remove around 500 million tonnes of coal production capacity within the next three to five years and halt approvals of all new projects.Full article: China’s coal industry needs to restructure as demand slows – Xinhualast_img read more

Choosing a deductible for your car insurance

first_img 114SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ed SanFilippo Edward J. SanFilippo is a freelance writer, editor, and researcher with expertise across a broad range of topics. He has nearly 20 years of experience writing for public agencies, private … Web: www.financialfeed.com Details So you’re buying a car and need to make a decision about insurance. Presumably you’ll compare price and coverage options, and in doing so you’ll see that price varies based on the deductible you select. What is a deductible, and what factors should you consider in making your decision?Deductible Defined and Explained: Your deductible is the amount of money you must pay for vehicle repairs before the auto insurance company pays the remaining costs. For example, if your car is damaged and your deductible is $1,000 but the damage to your car is $1,500, you would pay the $1,000 and your insurance provider would cover the remaining $500.Choosing a Deductible: Making this choice depends on your personal comfort level, the amount of risk you‘re willing to take, and is sometimes determined by the entity that finances your car. An insurance broker can help you make a decision based on your personal situation, but here are a few factors to consider when deciding:Emergency funds: Do you have a healthy savings account and/or emergency fund? What can you afford to pay out of pocket if something happens? A higher deductible can lower your monthly premiums and save you money each month, but if you cannot afford the deductible itself when repairs are needed, this is likely not a good option.Value of your vehicle: More expensive vehicles are typically more expensive to insure. For high-value vehicles, a high deductible might make sense because the savings can be significant. On the other hand, the value of an older vehicle might be similar to the cost of a high deducible. This means that in some instances, replacement of the older vehicle might be more cost effective than repairs, suggesting a low deductible is best.Risk: Evaluate your personal likelihood of needing to file a claim. It doesn’t matter if you’re a good driver; everyone has some level of risk. Do you drive frequently, and in high-traffic times or areas? Do you live in a place with a large proportion of high-risk drivers? Do you have a teenager learning to drive? What other personal risk factors should you consider?last_img read more

Indonesia’s COVID-19 death toll tops 200 as government warns of asymptomatic transmission

first_imgTopics : “We now believe the increasing number of cases come from sources [of infection] that are difficult to detect. We have noted that some sources are people who do not show symptoms,” Yurianto said on Monday.He said asymptomatic carriers spread the virus through droplets when they talked, sneezed or coughed, but that they themselves did not notice they had contracted the disease.“The real picture of the data we have collected shows that there are still sources of infection out there with asymptomatic carriers among the public,” he noted, adding that “There are also those prone to being infected because they don’t wear face masks or wash their hands.”With the trajectory of the coronavirus outbreak not showing any signs of slowing, the government declared last week a nationwide public health emergency and implemented large-scale social restrictions aimed at curbing transmission of the virus. Indonesia’s death toll from the novel coronavirus disease topped 200 on Monday, with the government voicing particular concern about transmission from asymptomatic carriers as the number of positive cases continue to rise.Health Ministry Disease Control and Prevention Director General Achmad Yurianto said 218 new cases had been confirmed on Monday, bringing the country’s tally to 2,491 following the testing of 11,242 samples nationwide.As many as 209 people have died of the contagious disease while 192 have recovered so far.center_img Among the measures, the government has ordered people to stay at home and not to go to schools, offices, places of worship or public places.Some regions, such as Bandung in West Java, Balikpapan in East Kalimantan and Tegal in Central Java, are temporarily closing major roads and introducing curfews as rising number of cases begin to be recorded in provinces outside Java.Jakarta, the national epicenter of the outbreak, recorded on Monday 101 new cases, taking the number of confirmed cases in the city to 1,232 — more than half of the country’s overall tally.West Java, the second-hardest hit region among the country’s 32 virus-hit provinces, has reported 263 confirmed cases as of Monday, followed by East Java with 189 cases, Banten with 187 cases and Central Java with 132 cases.With many health workers also being infected, the government is working to ramp up production of personal protective equipment amid an increasing shortage.Yurianto has also called on members of the public to wear face masks when outside their homes, explaining that cloth masks would suffice to prevent transmission.”Surgical masks and N95 masks are only for health workers. We can just use masks we make on our own, no less than four hours every day, and we have to wash them with soap,” he said.last_img read more

Italy industrial output tumbles nearly 30% in March

first_imgItaly’s industrial production tumbled nearly 30 percent in March as the country shuttered many businesses to contain the spread of the new coronavirus, the nation’s statistics agency said Monday.Production fell by 28.4 percent compared to February using seasonally adjusted figures and by 29.3 percent compared to March 2019 adjusting for the different number of working days, Istat said.Italy, home to the eurozone’s third-largest economy, has been hard-hit with almost 30,000 deaths due to the virus, with the economy shrinking 4.7 percent in the first quarter compared to a eurozone average of 3.8 percent.Italy was the first country in Europe to be hit by the pandemic, with the March industrial production figures impacted by a nationwide lockdown imposed from March 10 and all non-essential production being shut down since March 22, essentially paralysing the economy.Topics :last_img read more

Juventus-bound Aaron Ramsey exposes Arsenal team-mates with lung-busting run before crucial Rennes goal

first_imgGuendouzi was partly to blame for Rennes’ third goal (Picture: Getty)However, Nacho Monreal lost the ball from a throw-in deep into the Rennes half and the French side quickly counter-attacked on the Gunners.Rennes had a five-on-five counter in the 89th minute but Monreal was nowhere to be seen as the 33-year-old Spaniard struggled to get back into position.Matteo Guendouzi had been brought on before Ramsey but the Frenchman failed to sniff danger at Monreal’s back post and casually jogged back as Rennes pushed the ball out wide.Just look at the difference between Ramsey and Guendouzi running back for that third goal. #RENARS #AFC pic.twitter.com/A4SaiFn9tu— Gunners.com (@Gunnersc0m) March 7, 2019However, Ramsey saw the move developing a busted a gut to burst past Guendouzi and challenge the cross that was whipped in.Unfortunately for Ramsey, his efforts were not rewarded as Ismaïla Sarr headed in a crucial third goal.Nevertheless, the Juventus-bound midfielder showed the guts and determination that’s so often lacking in this Arsenal side…Guendouzi was well ahead of Ramsey when Rennes brokeGuendouzi casually jogged back but Ramsey sniffed the danger….Ramsey busted a gut to fill in at the back post….Ramsey almost caught up with Sarr but the winger headed in to make it 3-1…MORE: Unai Emery ‘confident’ of overturning 3-1 Europa League defeat to Rennes Comment Advertisement Juventus-bound Aaron Ramsey exposes Arsenal team-mates with lung-busting run before crucial Rennes goal Advertisement Aaron Ramsey shows no signs of letting up despite agreeing to join Juventus (Picture: Getty)He may be heading for Turin this summer but Aaron Ramsey showed his focus is still very much on Arsenal during the side’s defeat to Rennes.The Gunners took an early lead in France through Alex Iwobi but collapsed after a red card was issued to Sokratis on the half-hour mark for two bookable offences.Rennes grabbed an immediate equaliser and were ahead after the break when Nahco Monreal put past Petr Cech when a cross deflected off him.Unai Emery started Ramsey on the bench but made the peculiar decision to take off Pierre-Emerick Aubameyang in order to put the Welshman up front.AdvertisementAdvertisementADVERTISEMENTWith the Gunners down to 10 men and trailing 2-1, they were expected to settle for the one-goal deficit and take Rennes back to the Emirates next Thursday, where they’d be overwhelming favourites. Metro Sport ReporterThursday 7 Mar 2019 9:56 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link940Shareslast_img read more

Pension funds for East Riding, Surrey and Cumbria in £9bn pooling talks

first_imgThe local authority pension funds for East Riding, Surrey and Cumbria are in talks to launch an investment partnership, pooling £9bn (€12.3bn) in assets.The three English local authority funds said the multi-asset pool could grow to as much as £20bn, as talks continue with other local government pension schemes (LGPS) ahead of a government consultation on pooling expected for later this month.The proposal follows on from eight funds in the South West of England exploring the creation of a £19bn asset pool, the launch of a collective investment vehicle backed by most of London’s local authorities, and the eight Welsh local authority funds agreeing to jointly procure a passive equity manager.Mel Worth, chairman of the £2bn Cumbria County Pension Fund, said the scheme was keen to “marshal [its] future by seeking like-minded partners to pool with” in the wake of chancellor of the Exchequer George Osborne’s announcement in July that he wanted to see pooled vehicles to cut costs “significantly”. “The speed,” Worth said, “in which we have managed to move towards developing a solution to pool assets speaks volumes about the similarities of the funds but more crucially about the desire of those involved to collaborate and make this a success.”Denise Le Gal, chair of the £3.2bn Surrey County Pension Fund, highlighted the opportunities to reduce costs through the pooling exercise and noted that it would help boost exposure to domestic infrastructure.Osborne pledged in October to focus on infrastructure when he said pooling would allow billions to be invested in regional projects.At the time, the UK Treasury said that if the LGPS asset pools were to “follow international norms”, their infrastructure exposure would need to increase – potentially by building in-house capacity.East Riding Pension Fund, the largest of the schemes publicly linked to the venture, with £3.6bn in assets, already employs in-house management staff.John Holtby, the fund’s chairman, said its in-house capacity meant it was committed to “sharing expertise, reducing costs and delivering expected returns”.For the 2013-14 financial year, East Riding managed 75% of assets internally.The £2.4bn was largely invested in equities, accounting for nearly 60% of internal assets.The team also oversaw fixed income worth £420m, UK property holdings worth £206m and a £376m alternatives portfolio, comprising distressed debt fund holdings, infrastructure and private equity.Its total management costs stood at £1.6m, or 0.06%, compared with £1.9m, or 0.23%, paid to sole external manager Schroder Investment Management.Schroders was responsible for running half of East Riding’s corporate bond portfolio, 40% of the European equity portfolio and North American, Japanese and emerging market equities.East Riding’s in-house experience leaves open the possibility of its managing assets on behalf of other members of its asset pool.Scotland’s Lothian Pension Fund already advises fellow local authority fund Falkirk on a £30m infrastructure portfolio.It has now confirmed it would like its in-house team to compete for private sector mandates once it has been authorised by the Financial Conduct Authority.last_img read more

IPE Conference: Al Gore stirs investors to say yes to solving climate crisis

first_imgMust we change?Can we change?Will we change?Many scientists believed the climate crisis had become an existential crisis for humanity, he said. It was also the number one threat to the global economy. The investment community can play the key role in ensuring the world can change in time to avoid a full-blown crisis as a result of climate change, former vice president Al Gore told a packed auditorium at the IPE annual conference in Prague yesterday. “Ultimately it boils down to a choice between what’s right and wrong, and when enough people see it clearly then the final no gives way to a yes.”Al GoreIt can do so “in ways that are completely and totally consistent with taking the full value spectrum into account in safeguarding the assets that you’re managing, to offset the liabilities and fulfil your fiduciary responsibilities”, he added.The environmental activist and chair of Generation Investment Management made his argument with myriad figures and examples, urging investors to answer ‘yes’ what he said were “the only three questions remaining to be addressed about the climate crisis”. Al Gore addresses the IPE Conference in Praguecenter_img Al GoreAt Generation Investment Management, the view was that the world was facing a global sustainability revolution with the magnitude of the agricultural and industrial revolution, but the speed of the digital revolution.It was the single largest investment opportunity in history, and was emanating from developing and developed countries alike, he added.There were signs that “maybe we are at a point of reckoning” with respect to cutting fossil fuel subsidies and the cost of green energy technology was falling significantly.Gore warned investors against the dangers of being too narrowly focused on one part of the value chain, thereby failing to appreciate the risks of some of their economic decisions and missing out on some of the opportunities that were rapidly emerging from the unprecedented changes that were underway.He said investors needed to “look beyond the comfortable and familiar financial metrics” to take into account environmental, social and governance (ESG) factors.Gore turned to poetry to drive home his concluding remarks. He said some people still believed there was not the political will to solve the climate crisis, and then quoted from the work of the late Wallace Stevens, an American businessman and poet:  “After the final no there comes a yesAnd on that yes the future world depends.”Every great movement that has transformed human civilisation, said Gore, had first met with a series of ‘nos’.“But ultimately it boils down to a choice between what’s right and wrong, and when enough people see it clearly then the final no gives way to a yes,” he said. Gore’s presentation was received with a standing ovation by many delegates.last_img read more

Football’s sponsors worry that they are paying for nothing

first_img Promoted Content7 Reasons Why You Aren’t Getting The Tasks Done8 Most Expensive Mistakes The World Has Ever Made6 Stunning Bridges You’ll Want To See With Your Own EyesTop 10 Most Iconic Characters On TVWho Earns More Than Ronaldo?Which Country Is The Most Romantic In The World?2020 Tattoo Trends: Here’s What You’ll See This YearThe Models Of Paintings Whom The Artists Were Madly In Love WithCan Playing Too Many Video Games Hurt Your Body?You’ve Only Seen Such Colorful Hairdos In A Handful Of Anime6 Ridiculous Health Myths That Are Actually True5 Of The World’s Most Unique Theme Parks One market expert, who did not wish to be named, said that the risks of deserting can outweigh the financial costs, especially for companies “who are doing well” in sectors that are seen to be less affected, such as technology or the food industry. – ‘White knight’ – “You can go to them and say: ‘You can play the white knight by investing in sport in these difficult times’,” the market expert said. The value of being seen to remain loyal is reflected in the attitude of the Iberdrola Group, the main sponsor of the Spanish women’s first division. Loading… Read Also: Ronaldo has had advantages in the quarantine – Lazio chief “It is now, in this dramatic situation, that the support of sponsors is needed more than ever. You don’t pull out at times like these,” a spokesman for the Spanish electricity supply group told AFP. Even so, players in the sector estimate a 60 to 70 percent drop in investment and the prospect of several lean years. “There is of course a risk that some companies that wanted to invest will no longer do so, but will do so later,” said Bruno Bianzina, director of the Sport Market agency, a French company. FacebookTwitterWhatsAppEmail分享 French hotel group Accor, PSG’s main sponsor, left open the question of whether it would pay the full amount provided for in its contract (about 50 million euros, $54.7 million, a year), before saying two days later that it had honoured its commitments. “When you’re a sponsor, you want visibility,” Accor CEO Sebastien Bazin told French radio. “But at the same time, it’s in bad times that you recognise your friends and those who are there for you.” Sponsors can say overnight “we’re stopping everything because we’re in an emergency situation where we have to eliminate all the superfluous expenditure”, sports economist Jean-Pascal Gayant told AFP. “In the event of a crisis, the first budget item they cut is often the communications.” With stadiums dark, match shirts folded in closets and most players confined at home, football’s sponsors have lost all visibility and are growing restless.European clubs are struggling to offer their ‘partners’ a return on their investments as sport grapples with the coronavirus pandemic.Barcelona make 354.6m euros from sponsorship, according to Deloitte, more than any other club “We’re trying to do activities with our players for our sponsors, who are even more demanding since the lockdown. But it’s very complicated because of the health crisis,” one club marketing manager told AFP. The stars, the surest way for sponsors to attract an audience, are at home, many back in their native countries. Worse, there are no games for them to play. Matches on TV display the brands on the team jerseys or around the pitch to millions of viewers. At West Ham, one of the sponsors, high-risk finance company Basset & Gold, which the club stresses is not connected with owner David Gold, has just gone bankrupt, blaming the coronavirus crisis. Many sponsors are in sectors hit especially hard, such as airlines and hotel and restaurant chains. Some sponsors are beginning to cancel payments. – ‘Everything has to be suspended’ – Bordeaux’s main sponsor Bistro Regent has cancelled its April payment“It’s quite obvious that having no more events, everything has to be suspended, it seems so logical to me. It’s a case of force majeure,” Marc Vanhove, the boss of the Bistro Regent restaurant chain, which sponsors the Bordeaux shirt, told AFP.The Bordeaux-based chain suspended its contract, which runs until 2023, he said, “until we have the dates for the resumption”. With matches cancelled and some broadcasters, notably in France, beginning to withhold payments, club finances are already strained. “Sponsorship is particularly important for Europe’s biggest clubs,” said Deloitte, the accountancy and services firm, in the 2020 edition of its ‘Football Money League’ which ranks clubs by income. It said the primary source of revenue for its top five clubs (Barcelona, Real Madrid, Manchester United, Bayern Munich and PSG) is commercial and averages 49 percent of total revenue — although that number is inflated by PSG, which reports 57 percent of revenue from sponsorship. West Ham will have to remove the name of bankrupt sponsor Basset & Gold from their sleevesLower down the Deloitte table, the proportions change.For the clubs placed 16 to 20 (Roma, Lyon, West Ham, Everton and Napoli), 65 percent of revenue comes from broadcasting.last_img read more

William Alfred Doles, 95

first_imgWilliam Alfred Doles, 95, of Greensburg, went to meet our Lord and Savior on March 24, 2019.  Al was born on September 3, 1923 in a farm house in Decatur County.  He was the son of Robert A. and Cora Mae Metz Doles.Al attended Middle Branch School and was a 1940 graduate of Greensburg High School.  He was a WWII Army Veteran.  On New Year’s Eve, 1949, he married Mary Cradick, and they celebrated 69 years of marriage on New Year’s Eve, 2018.Al was a lifetime farmer.  He was a former elder and a Sunday school teacher at First Christian Church. He was currently a member of the Sandcreek Baptist Church, the church he attended as a child with his grandfather. He was a member of the Gideons International,  he was a former president of the Decatur County Council, and he had served on the board of directors for Premier Ag. His hobbies were woodworking and collecting arrowheads from the farm.Survivors include: Loving wife, Mary Doles; Children: William (Shirley) Doles, Diane (Charles) Beggs, and Steve (Joy) Doles. Grandchildren: Jeff (Cari) Beggs, David Beggs, Katie (Mike) McNealy, Tony (Simone) Doles, Stepheni Doles, Jaquan Doles, Travon Doles and BayLynn Doles; and ten great-grand children. He is also survived by his brother, David (Rita) Doles.He was preceded in death by his parents, two brothers, Robert “Junior” Doles and Donald “Gene” Doles, and by one granddaughter, Andria Joy Doles.A visitation for family and friends will be held at the Gilliland-Howe Funeral Home on Wednesday, March 27, 2019, from 11 o’clock to 1 o’clock. The funeral service will follow at 1:00 PM.  Rev. Harold Carter will be officiating.  Burial will follow at the South Park Cemetery.  In lieu of flowers, memorial contributions can be made to The Gideon’s International or to Sandcreek Baptist Church.  Online condolences can be made to the family at www.gilliland-howe.com.His family is grateful that God, in His wisdom and grace, provided Al to us as our husband, father, grandfather, and great-grandfather.last_img read more