Photo by Sally McCay. (Officials from CCV, DEW and Vermont State Colleges gather together to celebrate the start of construction for CCV’s new Rutland Academic Center.) DEW Construction Corp,Construction of the new Rutland Academic Center for the Community College of Vermont has begun. CCV will be relocating its Rutland campus to new a new location at the corner of West Street and Wales Street in downtown Rutland. The new Academic Center is being constructed for CCV with occupancy scheduled for the end of this year, in time for spring semester classes starting January 2012. CCV has entered into a long term lease for approximately 32,500 sq. ft. with developer and construction manager DEW Construction Corp. of Williston. CCV selected the site over several other locations, stating the West and Wales location offered a prominent location in addition to on-site parking and the ability to expand as their enrollment continues to grow. ‘CCV takes its role as a community college very seriously. Our students are your friends, neighbors, relatives, and customers,’ said CCV President Joyce Judy. ‘We are delighted to be able to remain in downtown Rutland, where local businesses will continue to benefit from the 800 students, faculty, and staff CCV brings downtown every week.’ The new 3-story building will be constructed from steel and concrete, and have a brick exterior. Many LEED features and energy saving components will be incorporated into the new Class A building. CCV’s new home will house class rooms, science labs, art labs, computer class rooms, student work areas, and administrative offices. Daytime parking for faculty and staff will be provided on-site and DEW has entered into a lease agreement with the State of Vermont for additional parking at the parking garage located ½ block away. DEW Construction Corp. offers commercial development, preconstruction and construction services throughout the New England Region and upstate New York.
Your auto portfolio is key to your credit union, and you watch its performance carefully. You underwrite prudently and put measures in place, such as collateral protection insurance (CPI), to safeguard against loss due to uninsured collateral. And you try to ensure you have a CPI program in place that is efficient, flexible and allows you to get the most benefit possible. The greatest benefit of a CPI program, however, is only achieved when the program is allowed to work as designed.A Balanced ProgramA CPI program is designed to be in balance over the long haul. By that I mean the premiums collected for certificates placed have to be sufficient to cover the vendor’s losses (claims paid to you), expenses (for tracking) and margins (of the vendor and the carrier actually underwriting your program). Stability is achieved when CPI programs are managed efficiently by your provider and certificates are placed per your guidelines according to the terms of the loan agreements. This typically entails having insurance in place for the life of the loan, with no lapses in coverage, and you, the lender, listed as the lienholder.Your staff can be pressed by borrowers to modify terms related to CPI. Your staff also has an inherent degree of sympathy in their treatment of members, and waiving CPI requirements can often feel like the “right” thing to do, especially when no claims have occurred during the time a CPI certificate was, or should have been in force. But please don’t allow the practice of giving exceptions to your program.In my previous article I discussed the ‘tough love’ aspect of enforcing all the terms of a loan. And the insurance requirement should be like any other loan term. Think of it this way: could you stay in the lending business if you are willing to allow borrowers to:Skip whatever payments they wantNot paying finance charges they don’t feel like payingObtain a loan without a formal agreementRemove other clauses they don’t like from the deal?You get the point. All the clauses in any contract or security agreement are there for a reason, and the requirement to keep the collateral insured should be no exception. A borrower’s failure to maintain proper insurance should be taken as seriously as the failure to comply with any of the other terms.Fair TreatmentMaking any CPI-related exceptions creates several problems. It increases the ratio of claims paid to you compared to the premiums collected, upsetting the goal of maintaining balance of the program. Over time, it raises the cost of the CPI program that is then passed on to borrowers who did not receive an exception –causing those borrower to bear an even larger share of the program’s costs. In succeeding articles, I’ll discuss these costs in detail.For your staff, making an exception, often called ‘waiving coverage’ that should be force-placed, creates additional and unnecessary work. Waiving insurance requirements can also put you at risk from regulators for treating some borrowers differently than others. CPI should be viewed like any other loan term, consistently applied across all borrowers.To maintain balance, take burden off you staff, and be on the right side of any possible regulatory issue, you must enforce loan requirements uniformly. That includes allowing CPI programs to work as designed by tracking all insurance and force-placing and collecting premium on borrowers who do not maintain proper outside insurance for the life of the loan. Doing so is not only best practice, but also maximizes the benefit you obtain from a CPI program.By choosing CPI over other forms of portfolio protection, you’ve put a program in place that is the fairest to all your members –charging only those who don’t follow the rules. And to be truly equitable to the members that do keep their outside insurance in force, it’s imperative to force place CPI on non-compliant borrowers.The ‘tough love’ aspect of a collateral protection insurance program acts as a catalyst for changing member behavior by encouraging borrowers affected by it to purchase and maintain outside insurance. It’s a fair and balanced solution –when the program is allowed to work as designed. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mike Gallagher Mr. Gallagher spent 17 years promoting CPI as the marketing director for State National. He is currently consulting with credit unions: email@example.com Details
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Sharing is caring! 93 Views no discussions Not long ago, a friend of mine returned from a trip to Aruba with her boyfriend and regaled me with stories of the crazy sex they had—three or four times a day, anywhere they could get each other’s clothes off: in the ocean 20 feet off the beach; on the balcony of their room in broad daylight; in the lobby rest room.They even got caught by a roaming tour group while hiking some ancient ruins. “They rode up on four-wheelers to find my bare ass hanging out of a crumbling little window while my boyfriend’s head was between my legs,” she says. “Honestly, we didn’t even pause for them.”The funny thing is, she and her boyfriend are never like that at home. “We had sex often enough, I guess,” she says, “But it was always run-of-the-mill stuff. Since we’ve been back, we haven’t even contemplated doing anything risky. We’re right back to our old routine.” All too often, that’s the way it works: Sex at home is like eating at home. Your Tuesday night tuna melt might be delicious, but it doesn’t wow you like the Tuna Supreme with Cheese served up at a restaurant. That’s why, if you want to get the most out of your sex life, sometimes you have to pack it up, take it away, and bust it out in a totally new setting. Go south (or west, or east—anywhere), young man, and you’ll strike sexual gold.The Perfect GetawayWhat is it about a vacation that makes a woman so horny? Let’s start with the obvious: She’s not working, running errands, or taking care of anyone but herself. “I always have more sex when we’re away,” says Julie*, 27, who’s been married for three years. “Sometimes we do it twice a day. But at home morning sex never happens; we’re too busy getting ready for work. On vacay I never have a to-do list, except ‘Have three daiquiris before noon.’ ”It’s not rocket science, says sex therapist Ian Kerner, Ph.D.: “People are more relaxed on vacation and tend to engage in more activities that lower inhibitions, like drinking and dancing. Plus, vacations bring novelty into a relationship, which stimulates dopamine, and that plays a big role in sexual arousal.”Then there’s the issue of location, location, location. Like Julie, I always have more sex when I’m vacationing—but especially if I’m in a tropical climate. Something about being nearly naked in a bikini, all hot, sweaty, and oiled up, makes me much more ready to go for it than having to remove eight layers of clothing and a pair of slush-covered boots. Go figure. “Feeling the heat off my boyfriend’s body as we lie next to each other in the sun always turns me on,” agrees Emily, 26. “It’s so inviting to put our hands on each other’s slick, bare skin.” On one Caribbean trip, her boyfriend was touching her thigh while they were lying out and managed to discreetly slip his finger under her swimsuit. “I leaned over and he fingered me right there on the beach. The whole trip was like that—we’d have quickies in the rest rooms near the pool. Once we even did it in the pool.” (Don’t worry, there’s plenty of chlorine in those things.)Going the DistanceOne of the key benefits of vacation is not just that it offers abundant time for more sex, but also opportunities for better, dirtier sex. Being in a foreign country for a few days where you don’t know anyone is almost like an automatic “Get Out of Propriety Free” card. Wanna do something totally impolite? Go right ahead—you’ll never see these people again!“I’m always more uninhibited on vacation,” says Darcy, 29. “The only times my boyfriend and I have had anal have been on trips. I think it’s about not caring what happens to the room. On vacation someone else takes care of everything, so I don’t care if we trash the sheets or break something.” While some trips provide an obvious setting for raucous, no-holds-barred screwing—private island bungalows, secluded mountain cabins, luxurious over-water villas—many women told me they didn’t necessarily need to be completely alone with their guys to be able to let loose on vacation. Karina, 26, loves that in a hotel she can moan as loud as she wants and shout out her boyfriend’s name without worrying about the neighbors. “I don’t care about the people in the room next door,” she says. “I live in an apartment in Brooklyn, and when we f— at home my groans are reduced to little whimpers, because I don’t want to blush every time I see my neighbors in the elevator.” She says one time in Ireland she even had someone bang on the wall to get her to tone it down. “I couldn’t have cared less. It actually made the sex hotter.” Just remember, wherever you go, pack plenty of condoms, spermicidal gels, and morning-after pills. What happens on vacation—especially if what happens involves spontaneous stall-sex at Señor Frog’s—doesn’t always stay on vacation.by Maxim Magazine Share LifestyleRelationships Why Vacations Bring Out Your Dirty Side by: – May 30, 2011 Share Tweet Share
Greensburg, In. — After entering a guilty plea in Decatur Circuit Court, Christopher McCarter, 32, was sentenced to 17 years in prison for criminal confinement, a level 3 felony.Evidence presented by the Greensburg Police Department said McCarter confined a woman at knifepoint in front of her child and slashed her tires in order to keep her from leaving in February of 2017. At the time of his arrest a portable breathalyzer showed McCarter had a BAC of .41.Judge Timothy Day ordered McCarter to serve 11 years for the original charge and added six years for being a habitual offender.According to the Indiana Department of Correction website McCarter has previous convictions for battery by bodily waste and possession of a controlled substance in 2007.Level 3 felons serve at least 75 percent of their sentences. McCarter will be eligible for programming and substance abuse treatment from the state.Decatur County prosecutor Nathan Harter thanked the Greensburg Police Department and said, ”McCarter took responsibility for his actions and for his ongoing substance abuse issues, which led my office to pursue treatment for him at the Department of Corrections. His heavy sentence can be modified if he takes his recovery seriously. We are grateful for the bravery of the adult and child witnesses in this case who told the story of the events that night, and we hope Mr. McCarter will weigh the incentives he has to rehabilitate himself and rejoin society and his family on the other side of incarceration.”
The Jac-Cen-Del Junior High Cross Country teams ran in the seven school ORVC meet at Rising Sun on Tuesday (9/26).The JCD Girls’ team finished 3rd. Kayla Simon (JCD) was second in the girls’ race and made the All-Conference Team. The JCD Boys’ team was incomplete but Kameron Darnold (JCD) was 4th and Kasin Hughes (JCD) was 11th, which earned both of them All-Conference. The Top 12 is considered All-Conference.ORVC MS CC Meet @ Rising Sun (9-26)Courtesy of Eagles Coach Steve Narwold.
By Greg GrabianowskiALGONA, Iowa (June 30) – Shannon Anderson strengthened his point lead in the IMCA Sunoco Hobby Stocks at Kossuth County Speedway on Thursday, June 30 by winning his fourth feature of the summer at the Algona oval.Anderson came inside of the sixth row to top the 17-car field, holding off Brandon Nielsen, who was the runner-up after starting 10th.Cody Nielsen finished third with Gary Pesicka fourth and Doug Wickman fifth.Ethan Dotson started on the inside of the second row and won the 14-car Xtreme Motor Sports IMCA Modified feature with fellow Californian Cody Laney second. Cody Knecht was third with Jeremy Mills fourth and Mike Van Genderen took fifth.The IMCA Sunoco Stock Car feature went to Elijah Zevenbergen, who started the race on the inside of the fifth row before moving to the front of the pack.Derek Green was the runner-up with Calvin Lange third.Ben Schultze won his second feature of the season, coming from the inside of the fourth row to finish ahead of 17-car Karl Chevrolet Northern SportMod feature.Colby Fett was second with Jake Simpson placing third.Another second-time feature winner was Oliver Monson in the Mach-1 Sport Compacts. Kaytee DeVries was second with Jay DeVries third.
Share This StoryFacebookTwitteremailPrintLinkedinRedditWhatsappThe Latest on the effects of the coronavirus outbreak on sports around the world:___The Raiders will play their first season in Las Vegas without any fans at their home games because of the COVID-19 pandemic. The 2021 Tour was scheduled set to start on July 2.The Tour’s French organizers have yet to announce a replacement city for Copenhagen, although there have been reports that the three-week event could start from the French region of Brittany in 2021.This year’s Tour, which was supposed to start in June, will now be held Aug. 29-Sept. 20 — starting in Nice.___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports The team sent a letter to season ticket holders on Monday saying that after discussion with health care officials and local leaders, the decision was made not to allow fans.Officials last week declared “substantial completion” of 65,000-seat Allegiant Stadium after nearly 1,000 days were spent building the $2 billion home for the Raiders.Both the New York Jets and Giants previously announced they would play without fans this season. Most other teams are hoping to be able to have at least limited crowds.The Raiders relocated from Oakland, California, after last season.___ The National Hockey League says there have been zero positive coronavirus test results since 24 teams entered quarantined bubbles in Toronto and Edmonton, Alberta.The league announced it had administered more than 7,000 tests to players, coaches, staff and officials over the past week. Teams with 52-member traveling parties entered the bubbles July 26.There were also zero positives the previous week when teams were still in their home cities for training camp.___Results of COVID-19 testing conducted Sunday show there were no new positive results for the Philadelphia Phillies. The team was traveling to New York to resume its schedule against the Yankees in a night game.The Phillies (1-2) have not played since July 26. Their opponent in that opening series, the Miami Marlins, had at least 18 players test positive for the coronavirus. Although the Phillies didn’t have any players test positive, their games last week were postponed as a cautionary measure.___Danish organizers say the Tour de France start due to take place in Copenhagen next year has been moved to 2022 to avoid being held in the same month as the rescheduled Tokyo Olympics and the European Championship soccer tournament.Copenhagen Mayor Frank Jensen says the move means the three-stage Tour start in his city will now be planned for July 1-3, 2022, adding that he hopes the coronavirus pandemic will have passed by then. August 3, 2020 The Latest: Raiders’ new stadium closed to fans for 2020 Associated Press
JOHANNESBURG, South Africa (Reuters) – The illness that swept through the England camp has eased with bowlers Jofra Archer, Stuart Broad and Jack Leach returning to training as Ollie Pope struck a century in the three-day warm-up fixture against South Africa A in Benoni yesterday.The home side closed the second day on 154 for two in reply to England’s first-innings total of 456 for seven declared, where Pope top-scored with 132 to go with Joe Denly’s 103 on the opening day.Pope’s ton will not go into the record books though, as the match was stripped of first-class status and reduced from four to three days at the request of England when illness put a sizeable dent in their bowling attack. He was still pleased with his effort, a first century in an England shirt as he looks to secure a place in the team for the first Test of the four-match series against South Africa that will start in Centurion near Pretoria on Boxing Day. “It felt good, I have got close a few times, but it is a good feeling to get it out the way,” Pope told reporters. “If it was the first Test it would be even nicer, but it is all about the getting ready for that game.” Pope, who can also keep wicket and has four Test caps, added he was happy to take up the number six position in the batting line-up if that is what is required of him.“As long as I am getting a game, I’m happy. It was nice to get that first score under my belt in New Zealand (75) and I’m hoping to kick-on from there.”Archer, Broad and Leach all had a net session for the first time yesterday after being laid low with flu, but are unlikely to feature on the final day of the match against South Africa A.The status of the fixture means they could either bat or bowl if it is deemed necessary, with none having so far featured at all in the middle on the tour ahead of the first Test.