Morrisons saw total sales down 0.4% in the 13 weeks to 28 October 2012, as fragile consumer confidence continued to take its toll.Like-for-like sales were down 2.1% (excluding fuel).The retailer said consistently high levels of promotional activity in the market had also had a negative effect, with sales lower than anticipated.However, Morrisons said it was making good progress delivering strategic initiatives, which would provide a solid foundation for future growth.During the third quarter it introduced its Fresh Market format to a further 35 stores, and said it was on track to meet its target of extending the format to 100 stores by the end of this fiscal year.
During most of my long-distance runs with friends, the conversation always drifts from the serious to the ridiculous. They may start out being about politics, our kids, or why our wives have decided not to talk to us on this particular week, but inevitably end up being about whether a polar bear and grizzly can really mate (they can) or if Taylor Swift or that girl from the Hunger Games are old enough yet to go out with fit, good-ish looking 40-something guys like ourselves (they are).So I was taken by surprise near the very end of a workout on the Mountains to Sea Trail with my friend Walter when, during a lull in the conversation, he posed a deadly serious and relevant question: “Greg, what should I do when the Zombie Apocalypse happens?”It’s a topic that I’ve given quite a bit of thought. We all know that the inevitable zombie takeover will occur—whether it’s tomorrow, 10 years from now, or sometime farther down the line is the only mystery—and we need to be prepared for it. Even the slightest hesitation in response can mean the difference between being alive or un-dead. Fortunately, our proximity to the Blue Ridge Mountains gives us a natural advantage in the battle for survival over reanimated corpses.In fact, in some ways, you could look at a Zombie Apocalypse as a sort of adventure opportunity. It gives you the excuse to leave your material possessions behind and settle off the grid in the Appalachians, just like so many of our ancestors did in these parts generations ago—minus the brain-eating monsters chasing them. Then, when the dust settles and good inevitably conquers evil, you can join the scattered bands of remaining humans to form a new, better, and stronger society. Here are the tips I gave to Walter.Flee the population centers by bikeThink like a zombie for a second: If you’re hungry for human brains, where’s the best place to get a bite to eat? The urban centers, of course. No self-respecting flesh-eating corpse is going to forage for food in Shenandoah National Park. His first thought would be to head somewhere like the drum circle on Friday nights in Asheville. He’d hardly look out of place. Your first action when zombies attack should be to get a bike. You have to assume that auto traffic will be at a standstill because of accidents and downed electricity lines. If you’re not close enough to home to get your own bike, steal someone else’s. Don’t be squeamish about this little act of larceny. We’re talking about the Zombie Apocalypse here, so civilized society will be in a shambles, and the cops aren’t going to chase you down. Take the shortest route that will lead you to rural or undeveloped areas, and get off the interstates as quickly as possible. Fortunately, many of the cities in Southern Appalachia have easy access to the Blue Ridge Parkway, so you can quickly get to vast tracts of protected forest land. Once you’re in the woods, ditch the bike and hit the trails. More on this later.Bring a smartly stocked portable survival kitI’m assuming that you have a portable Zombie Apocalypse survival kit in your closet. If you’re a fool and don’t, my biggest piece of advice as you put one together is to be realistic. Act like you would when packing for an ordinary long-distance hike or bike trip–carry only what’s absolutely necessary and leave behind extraneous little luxury items like a portable espresso machine. Consider what a Tibetan monk once told me: when the undead take over the world, there are no sherpas. My survival kit is a fully stocked backpack that contains a bivy sack, big knife, stove, magnifying glass, lighter, basic climbing gear, insulated clothing, sleeping bag, about a week’s worth of freeze-dried food, and some other, dangerous MacGyver-like trap-setting materials that I don’t want to reveal in case anyone reading this column un-dies someday.Get onto a long-distance hiking trailLong-distance footpaths like the Appalachian or Mountains to Sea trails serve as the perfect escape routes from the Zombie Apocalypse. Let’s face it, the un-dead don’t want to go into the woods. Despite their many strengths, they’re slow, clumsy walkers who can easily trip over a rock or root and lose a decaying limb. Could you ever imagine a zombie shuffling to the top of Mount Mitchell? Ridiculous. Not worth the burned calories. Other advantages to the woods are that you can hide more easily there, and set booby traps for intruders (see reference to the girl from Hunger Games, above). Long-distance trails allow to you keep moving through the wilderness without being bottled into one place and surrounded by bad guys, and you’ll have the assurance of water sources, primitive campsites, and other bare-bones facilities within reach. Some sociologists (or at least my sociology-major roommate from college) believe that small societal networks of Zombie Apocalypse survivors will link together along the Appalachian Trail, warning each other of attacks, sharing damn fine moonshine, playing bluegrass, and even creating a loose code of conduct and system of laws and justice.When zombies give you lemons, make lemonadeI know, easier said than done, right? But you might as well make the best of a bad situation, or you’ll be miserable out there. Enjoy your travels in the Southern woods. Savor the sunsets, the songbirds chirping overhead, the azalea blooms in the spring, and your time away from the stresses of civilization. Embrace the long hair, and be like a Charlottesville hippie by laughing off your lack of shampoo and that musk from the chronic absence of deodorant (without the $5 latte in hand). Be proud of your survival skills. Celebrate each day like it may be your last—and make sure that it isn’t.
http://www.cnn.com/2017/03/27/asia/dinosaur-discovery-australia/index.html http://news.nationalgeographic.com/2017/03/dinosaur-footprints-walmadany-australia-jurassic/ The largest dinosaur footprint ever found was recently discovered in a kind of real-life Jurassic Park—Dampier Peninsula in Northwest Australia. The footprint measured 5 feet 9 inches. The print belonged to a sauropod, a long-necked herbivore seen in most dinosaur movies. Just last summer, a team of paleontologists found a 3 feet 9 inch footprint in Bolivia that at the time was the largest ever found.The Dampier Peninsula provides the perfect conditions for the preservation of these tracks. The peninsula was primarily tidal flats and swamps, which allowed for the prints to set and over millions of years eventually turn to stone. A 16-mile stretch of the Dampier Peninsula housed 21 different dinosaur footprints, proving to be the most diverse collection of dino track ever found on Earth. Along with the largest dinosaur track ever found, the team from the University of Queensland discovered tracks of a stegosaurus, the first piece of evidence showing the spiked herbivore once lived on the continent.
4 measurable ways to provide a more ‘memberlicious’ borrowing experience in 2015.by: Tim Mislansky, CCEWe’re a week into 2015 and hopefully you haven’t yet broken your new year’s resolution. Most of us make admirable and worthwhile resolutions in our personal lives, such as, “I want to eat better” or “I will exercise more” or “I will endeavor to be a better spouse.” While I’m not sure many credit union folks make work-related resolutions, what would yours be if you did?I suggest resolving to be more “memberlicious”—which means offering members a highly pleasing mortgage lending experience. Here are four ideas to help you deliver on your new year’s promise. And remember, the results of good resolutions can be measured.Resolve to make 97 percent LTV loans: Recently, Fannie and Freddie re-launched their 97 percent loan-to-value offerings. They determined that mortgages with 3 percent down performed essentially the same as mortgages with 5 percent down and that, as credit scores climbed, too many Americans were not able to achieve home ownership because they lacked a down payment.So resolve to get aggressive in marketing 97 percent LTV loans to your members and the Realtors in your area. Not every lender is going to offer these loans, so make sure you tell the world (or at least your local market). These loans are great alternatives to Federal Housing Administration lending, and should result in financial savings to the borrower over the life of the loan. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Share balances at U.S. credit unions have grown at near-record rates since the onset of COVID-19 and the resulting lockdowns. According to second quarter data from Callahan & Associates — representing 99.6% of industry assets — deposit balances at credit unions increased 16.5% year-over-year. This is the fastest annual rate since 2003. Meanwhile, total loan balances rose 6.6%. Together, these top-level dynamics have driven down the industry’s loan-to-share ratio to 76.2% — the lowest level since the first quarter of 2016.LOAN-TO-SHARE RATIOFOR U.S. CREDIT UNIONS | DATA AS OF 06.30.20 The industry’s loan-to-share ratio usually increases between March and June, but heavy share growth has prolonged what is usually a seasonal decline. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »
President Joko “Jokowi” Widodo has issued a presidential regulation (Perpres) turning the Hindu Dharma State Institute (IHDN) in Denpasar, Bali into the country’s first Hindu state university.The regulation stated that the new university, named I Gusti Bagus Sugriwa State Hindu University (UHN), would “administer Hindu higher education programs” as well as other types of higher education programs “to support Hindu higher education programs.”Through the regulation, which was enacted last week, all current IHDN students are converted to UHN students, and all the institute’s assets and employees are transferred to the newly formed university. “The change in status has been declared through a Perpres and is just awaiting the handover from the central government. I am very happy and thankful,” IHDN rector I Gusti Ngurah Sudiana said in a statement on the institute’s official website on Friday. The institute itself started out as a state academy for Hindu religion teachers in 1993, before being converted into the Hindu Religion State College in 1999, and then into the IHDN in 2004.Sudiana said the regulation marked a historic moment for the Hindu faithful in Indonesia.“Clearly this shows that President Jokowi has given special attention to Hindu educational institutions in Bali in order to improve the quality of our human capital,” he said. “Because of that, we should use this moment to move toward excellent human capital in Bali in the future.” (kmt)Topics :
Cassa Forense, the Italian social security pension fund for lawyers, plans to invest in real estate outside Italy for the first time with the help of Fabrica SGR and CBRE Global Investors.The €7bn Italian institution chose the two investment managers, both of which set up a joint investment platform dedicated to Italian institutional investors in 2012, following a public tender.Fabrica SGR and CBRE Global Investors will set up a dedicated fund vehicle for Cassa Forense that will be seeded with €200m and is “expected to reach €1bn in the medium term”, according to an announcement.Fabrica SGR will seek to manage and improve Cassa Forense’s existing domestic portfolio, while CBRE Global Investors will source and advise on investments in other EU countries. The Cicerone Fund will be Fabrica SGR’s fourth real estate fund dedicated to a pension fund and the first with a pan-European asset allocation.It comes just over a year after the Italian fund manager teamed up with CBRE Global Investors to provide Italian institutions with exposure to non-domestic property markets.There is growing interest in pan-European real estate strategies from Italian institutions, although they require investments to be structured in line with local regulations.Last year, a number of Italian investors backed a pan-European office strategy managed by AXA Real Estate, which has established its own locally regulated SGR business to cater for Italian investors.Marco Doglio, managing director at Fabrica SGR, said there was an “aim to define a standard for all Italian institutional investors that want to invest abroad”.Florencio Beccar, country manager for Italy at CBRE Global Investors, said: “Along with Fabrica, we are intensifying our efforts to make the diversification of real estate investments easier for Italian investors, so they can reach the best opportunities in world markets, independent of the Italian business cycle.”Alberto Bagnoli, chairman of Cassa Forense, said: “Fabrica and CBRE Global Investors were selected through a public tender of 10 of the best national and international players.“Cicerone Fund is aimed at enhancing Cassa Forense real estate investments by increasing the international diversification in line with our asset and liability management requirements.”
“Like the usual detractors and critics of thePresident, VP Robredo may have been carried away by their nitpicking andhabitual engagement in useless and unproductive semantics,” he added. Presidential Spokesperson Salvador Panelo saidRobredo’s latest pronouncement was part of her “nitpicking and habitualengagement in useless and unproductive semantics.” Panelo insisted Duterte “is not, in any way,or by any stretch, surrendering our rights over the West Philippine Sea.” Robredo recently described as “profoundlydisappointing and extremely irresponsible” Duterte’s remark that he will“ignore” the 2016 Hague ruling as he pursued a joint oil and gas explorationwith China in the West Philippine Sea. “The problem with my friend Vice PresidentLeni Robredo is the inability of her political advisers to comprehend thecomplexities of our current situation with China. She may want to change themwith some erudite intellectuals knowledgeable in geopolitics and in the art ofdiplomacy,” Panelo said. “Mr. Tulfo, the one who is accusing him, should provide information to the proper authorities,” says Presidential Spokesperson Salvador Panelo. PCOO MANILA – Malacañang berated Vice PresidentLeni Robredo for her penchant of finding fault on President Rodrigo Duterteafter the latter’s statement over the West Philippines Sea. “What he meant when he said that he will firstset aside the ruling is that he would first focus on exploring the possibilityof getting something from the area that would benefit the Filipino peoplepending the continuing diplomatic and peaceful negotiation of our territorialdispute with China,” he added. “The arbitral ruling, as the President hasrepeatedly said, is final, binding and unappealable,” Panelo said. “The rulingwill be there forever and ever, as in forever.” “Notwithstanding this impasse with China onour territorial conflict,” he said, “wisdom, prudence and pragmatism dictatethat we forge in strengthening our foreign relations on uncontested mattersthat will invariably provide mutual benefit to our countries.”/PN
By Edward Anschutz STURGEON BAY, Wis. – Thunderhill Raceway preps for the 2015 season and will hold its drivers meeting on Friday, Dec. 19 at The Draft Haus Sports Bar at 7 p.m. The Draft Haus is located at 901 Egg Harbor Road in Sturgeon Bay.Fresh off the $30,000 contingency awards banquet last month, promoter Woody Wodack feels the track gaining traction heading for the 2015 season. “We put together one of the best contingency packages any dirt track in northeastern Wisconsin has ever seen,” he said. “Every driver who ran the qualifying number of nights was rewarded greatly for their loyalty. This season, the plan is to build on last year’s success.” Pit spots must be paid for before or at the meeting. Any pit stalls that remain unpaid or open will then go to a lottery of drivers who want to purchase them. Memberships will also be available for purchase which allows for a few bucks off your pit pass throughout the season. Several other items will be addressed at the meeting including schedule, general track rules and street stock rules. We will be open for discussion in ways to promote the IMCA Sunoco Hobby Stock division in the hopes of raising the car count.We hope to see you all for a evening of talking racing and enjoying some great food and adult beverages. For more information, pvisit the track’s website at www.racethunderhill.com For your social media outlet like Thunderhill Raceway on Facebook and follow us on Twitter.
ANTIOCH, Calif. (June 20) – Paul Mulder won an exciting 20-lap Karl Chevrolet Northern SportMod main event Saturday at Antioch Speedway. It was his first win of the season and came ahead of IMCA national point leader Fred Ryland.Chuck Golden raced into the early lead and traded the front spot with Ron Brown following a pair of early restarts. Fred Ryland was tasked with working his way back through the field after a separate incident; Patty Ryland was briefly in the lead before getting sideways and falling to third.Golden stayed with the inside for a lap 10 restart, but he slipped back to third as Mulder and Watsonville ace Matt Hagio motored by.Fred Ryland soon made it a three-car battle up front. Mulder led through a pair of quick caution flags, the second of which negated a Hagio pass for the lead on lap 15. Ryland managed a low pass for second on lap 19 but could only chase Mulder across the stripe.Racing returns this weekend for the two-day Summer Nationals event. NASCAR Star Kenny Wallace will drive an Xtreme Motor Sports IMCA Modified on both nights. The Modifieds will race for $1,500 to win on Friday and $2,500 to win on Saturday and both events will be Fast Shafts All-Star Invitational ballot qualifiers.Northern SportMods will also get extra money with Friday’s feature win paying $500 and Saturday’s win paying $750.