Nothing Left to Give – Table Rock 50+ Mile Race Report

first_imgWill Harlan (l) and Mark Lundblad (r) congratulate each other following the Table Rock 50 Mile.I set up an ambitious ultra running schedule this Fall. I wanted to meet some personal challenges and once again I tried something new. In the past 6 weeks I’ve put forth 170 miles of ultra distance race effort and I’m looking forward to hibernating for a bit this Winter.The culmination of my somewhat overzealous schedule was this past weekend at the Table Rock 50 Mile race here in WNC. The main reason I stuck with doing this race was because it promised to be a scenic, mountainous (8k of climb) and close to home. This race was also brand new and I knew the terrain and much of the course topography. Leading up to race day I internally went back and forth over whether to still do the race or maybe drop to the 50k distance that was offered. However in the end, the lure of running to the top of Table Rock Mountain got the best of me and I was fit so I stuck to my original intention of the full advertised 54 miles.I checked out the entrants list leading up to race day and felt fairly confident about my chances but one never knows what race day will bring. Usually it comes in the form of someone much younger than me who is really fast and they are stepping up to race ultras for the first time. I was secretly hoping that I would not have to dig too deep on this day as I knew I was racing on somewhat tired legs.Race morning brought chilly but nice running weather. It looked like it would be an enjoyable and peaceful run around the Linville Gorge Wilderness area. However, I still had this feeling like something was not right and I was definitely not wishing for anything remotely epic to occur for this race. From the start I got out front and slowly got a decent lead as we ascended up one of the many big climbs on the course. At mile 14 there is a spur out and back to Wiseman’s View and I hit my watch at the turn to see what kind of lead I had on my competitors. Sure enough that weird feeling I had at the start came to fruition as I rounded a turn, there was my good friend and beast of a runner Will Harlan. So my three minute lead seemed like three seconds and I knew it was game on.How I missed him at the start I’ll never know. Will does not race very often but when he does he is always ready to wreak havoc on the field. He also rarely talks about his racing plans and tends to show up at races at the last minute throwing a big monkey wrench into anyone’s hopes and dreams.After coming to grips with reality I kept pushing as best as I could. Somewhere around 2.5 hours of running (mile 19) the course comes off the mountainous gravel road and onto some mountainous roads. I felt awful and was hoping this was just one of those low points. I kept waiting for Will to pass me. I was actually hoping he would soon just so it could be over with. It is funny how your mind thinks when you are dog tired and being tracked down. I kept pushing forward never quite getting that second wind and just wondering when he would make his presence known. Somehow I managed to stay out front to the top of Table Rock Mountain (mile 34). A most scenic place but unfortunately I had no time or desire to take in the vistas. This would be my second chance to see if I had any lead left. Sure enough not too long after I headed back down the mountain Will was right there again about three minutes back. As I passed him I said “please take me out of my misery and take over the lead”. It truly felt inevitable but still I stayed in the lead for the long seven mile section down the mountain. At mile 42 you hit the last long stretch of twelve miles on hilly paved roads. As I approached the aid station finally Will showed up as if out of nowhere in stealth mode and we both refilled bottles and took off. I managed to get out in front of him and again started building a lead. I never felt sure of anything even with just a few miles to go and a 3 or so minute lead. I was hurting so bad and digging so deep that I was just hoping a car would run me over. That would be the easy way out. My legs were tying up, I was eating gels, popping S-caps, drinking coke, doing anything and everything possible to get to the finish line. Actually winning was never a solid thought as I knew from past races with Will that it was not over.I ran transfixed on the pavement in front of me as for looking around or any extra motion felt like too much. My heart was still in this race but my legs were not cooperating. Every big hill took one more notch out of my dwindling energy. On the last big hill before the somewhat flat 2.5 mile finish I was down to intermittent power walking and something that might have resembled running. I looked back in fear and sure enough I was being reeled in. The hook was solidly set in my gills and I was being yanked into Will’s boat.I soon could hear footsteps around mile fifty-two. I stuck my hand out to my side without looking to give Will his congratulatory five and he motored on past me. Normally I’m game for a fast finish and giving chase. The problem here was I had already done that, I had nothing left to give. I wanted to try and make a race out of it and not have it come to such a goofy looking shuffle the last mile. However that is what happens sometimes, I had to accept it. Overall I was pleased with the race as I gave 100% and never gave up which is all we can ever expect of ourselves. Having to take second place to my good friend is really not a bad thing. In hindsight tough competition makes the outcome win or lose that much more fulfilling. However I think Will should look into a second career as an undercover spy to go along with being a great ultrarunner and writer.last_img read more

Two definitions to help you understand FinCEN’s customer due diligence requirements

first_img 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jane Pannier Jane Pannier is Senior Vice President and in-house counsel for AffirmX LLC, a developer of an innovative remote compliance review solution. Ms. Pannier is also SVP of AdvisX, a CUSO … Web: Details Similar entity formed under the laws of a foreign jurisdiction opening the account.As is typically the case, the list of entities that are not considered to meet the definition is longer and includes:Natural persons opening accounts on their own behalf;Sole proprietorships;Unincorporated associations;Financial institutions that are either federally or state regulated;Trust accounts, other than statutory trusts created by a filing with a Secretary of State or similar office (although for trust accounts financial institutions are still expected to verify the identity of the trustees and for revocable trusts to gather information regarding the settlor, grantor, trustee and other persons with the authority or control over the account);Issuers of a class of securities registered under section 12 of the Securities Exchange Act of 1934 or that are required to file reports under section 15(d) of the Act;Investment companies as defined in section 3 of the Investment Company Act of 1940, that are registered with the SEC;Investment advisors, as defined in section 202(a)(11) of the Investment Company Act, that are registered with the SEC;Exchanges or clearing agencies as defined in section 3 of the Securities Exchange Act, that are registered with the SEC;Any other entity registered with the SEC;Registered entities, commodity pool operators, commodity trading advisors or major swap participants as defined in section 1a of the Commodity Exchange, that are registered with the SEC;Public accounting firms registered under section 102 of the Sarbanes-Oxley Act;Bank holding companies, as defined in section 2 of the Bank Holding Company Act of 1956 or savings and loan holding companies as defined in section 10(n) of the Home Owners’ Loan Act;Pooled investment vehicles that are operated or advised by a federally or state-regulated financial institution;State-regulated insurance companies;Financial market utilities designated by the Financial Stability Oversight Council under Title VIII of the Dodd-Frank Act;Foreign financial institutions established in jurisdictions where the regulator of the institution maintains beneficial ownership information for the institution;Non-US governmental departments, agencies, or political subdivisions that engage only in governmental rather than commercial activities; andAny legal entity only to the extent that it opens a private banking account subject to section 1010.620 of the Bank Secrecy Act.Lastly, there is also a list of legal entities that are partially subject to the definition of a legal entity. This means that these entities can be beneficial owners if they meet the test of exercising control over the legal entity, but are not to be identified as beneficial owners based on their ownership interest.These entities are:Pooled investment vehicles that are operated or advised by a covered financial institution; andNonprofit corporations or similar entities that have filed organization documents with the appropriate State authority.Now that you know what FinCEN defines as a beneficial owner and a legal entity, you can review the legal entity accounts at your institution and begin to develop relevant due diligence procedures. Remember, the new rule is effective July 11, 2016, and compliance becomes mandatory starting May 11, 2018.For more information, read the complete text of the new rule. At present, credit unions are not required to know the identity of the individuals who own and/or control their legal entity customers or members. FinCEN and the federal law enforcement agencies have long seen this as a weakness in the BSA/AML programs that financial institutions are required to administer. On May 12, 2016, FinCEN introduced a new rule designed to address this concern by requiring financial institutions to look beyond the legal entity itself and to identify the individuals who own and/or control these legal entities.FinCEN’s rule requires that financial institutions establish and maintain written procedures that are designed to identify and verify the beneficial owners of their legal entity customers/members. In order to meet this requirement, you must know what FinCEN means when it talks about beneficial owners and legal entities.Beneficial OwnersThere are two prongs to the test for determining whether someone is a beneficial owner of a legal entity with an account at your credit union. An individual can be a beneficial owner based on his/her ownership position with the legal entity OR by having control over the legal entity.Prong 1: The Ownership TestA beneficial owner is an individual who directly or indirectly owns at least 25% of the equity interests in the legal entity member.* This ownership can come through any type of contract arrangement, understanding, relationship, or other means.When you examine legal entity accounts at your institution, you may find that there is more than one beneficial owner based on the ownership test. Conversely, you may not find any owners that meet the 25% test.*You are permitted, if you wish, to set a lower equity ownership threshold if desired for risk assessment purposes.Prong 2: The Control TestA beneficial owner is also a single individual who has the responsibility to control, manage or direct the legal entity member. For example, a beneficial owner might be an executive officer or a senior manager, or any individual who routinely performs similar functions. This list could include, but is not limited to:CEOs;CFOs;COOs;Managing members;General partners;Vice president; orIt is certainly possible that the same individual may meet the definition under both prongs of the test. However, there must always be one person identified as the beneficial owner under the control prong.As a side note, the new rule notes that if a trust owns at least a 25% equity interest in a legal entity, the trustee should be identified as a beneficial owner. If an entity that is exempt from the definition of a legal entity (see below) has an ownership interest of at least 25% in the legal entity, then you are not required to identify anyone from that exempt legal entity as a beneficial owner.Legal EntitiesNext, you need to know what is meant by a legal entity member. For the purpose of this rule, a legal entity could be a:Corporation;Limited liability company or other entity;Business trust that is created by the filing of a public document with the Secretary of State (or similar office),General partnership; or alast_img read more

Did the Federal Reserve whiff on raising rates?

first_imgAs the Major League Baseball season gets under way, the Federal Reserve has struck out twice with its last two rate moves, according to one economist who suggests if financial institutions raise their deposit rates the central bank will likely hold off on any further rate increases over next two years.Michael Moebs, economist and CEO at Moebs $ervices, contends the last two rate hikes were a mistake for the health of the economy, and believes at this point Fed rate reductions would be helpful. But Moebs also is predicting rates will hold fairly steady over the coming 12-24 months, and may even inch up.“If President Trump keeps putting pressure on Fed Chair (Jay) Powell there could be one or two decreases in 2019. It is obvious from the Moebs Interest Rate Study the Fed increased rates two times too much in 2018,” said Moebs. “Yet, if the Fed decreases rates it would be signaling it made a mistake. I do not think the Fed will admit it made a mistake.” ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

Housing needs met without large-scale land

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

What you should know when buying off the plan

first_imgLike any property purchase, attention to detail is essential. Before you sign a contract, seek independent legal and financial advice. A solicitor or conveyancer will support you throughout the process and carry out the settlement on your behalf. Having your finance ready makes it easier when you find the right block. Make sure your approval is still current when it is time to settle. MORE NEWS: Reno offers fresh look There are several advantages that arise from buying off the plan.BUYING a block of land off the plan’ to build your dream home in a new community can be an exciting and life-changing experience.Purchasing off the plan simply means you’re buying a block that is either still under construction or where work has not yet commenced.Although it will be some time until you can move in your new home, there are several advantages that arise from buying off the plan. How long will I have to wait for the block to be completed? Get pre-approval for finance It may not be possible to get all the way to your block if it’s in a construction zone. However, ask a sales professional to take you as close as possible, and to show you similar blocks and completed homes in other stages. Get a feel for the block Ensure your contact details are kept up to date How do I know what sort of design I can place on the block? What expert advice should I seek when buying the block?center_img Can I see the block? “The lead time involved in buying off the plan also allows more time to work on the finer details of your home design and get everything organised with your chosen builder.”Mr Laner said there were five questions customers commonly asked when buying land off the plan: The draft plan of the subdivision will give you an indication of the size, shape and orientation of your home site. Buying off the plan means the variety of blocks is greater as you have first choice when a new stage of land is released. Do I have to pay the full amount for the block upfront? More from news02:37International architect Desmond Brooks selling luxury beach villa14 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag2 days agoYou will only need to pay a deposit (which is a small proportion of the purchase price) on signing a contract, with the balance of the cost not payable until settlement. Typically, this can take anywhere from three months to 18 months, depending on which Stockland community you are purchasing in and which land stage within that community. Buying off the plan means you are buying a block at today’s prices regardless of when it is completed.David Laner, acting Queensland general manager for residential communities at Stockland, said off-the-plan buyers had the opportunity to save a little extra money before their block settled.“This could be especially helpful for first home buyers as only a deposit is required until the block has been completed,” Mr Laner said.“Another advantage is that you are buying a block at today’s prices regardless of when it is completed. MORE NEWS: Making the most of Coastal living TOP TIPS WHEN BUYING OFF THE PLAN: When you know the unique features of your block, ask to walk a completed block of a similar size so that you can get a feel for what you are buying. Settlement will generally take place 14 days after you are notified that the block has been officially registered. Keep informed about the progress of construction, remembering that wet weather can sometimes cause delays.last_img read more

New push aims to find cure for Aids virus

first_img Share Sharing is caring! HealthLifestyle New push aims to find cure for Aids virus by: – June 1, 2011 Share By Jane Dreaper,Health correspondent, BBC NewsHIV finds ways to elude the body’s immune systemMore investment is needed to find a cure for HIV, the new head of the International Aids Society has said.Bertrand Audoin admits this might take as long as 25 years, but he says a cure is the only way to keep ahead of the HIV epidemic in the long term during tough financial times.Sunday sees the 30th anniversary of the first medical reports of a new illness.Some experts have warned that talk of a cure could lead to false hopes, and developing a vaccine would be better.Mr Audoin said: “It is the right moment – from the scientific and financial point of view – to invest more time and money in researching a cure.“There is already some basic science in this area. We know that some people who are on HIV treatment can contain the virus in a way which makes them unable to infect other people.“So we think further work could help us develop a functional cure, which would allow the virus to remain latent in the body, without people feeling sick or needing treatment. That’s the goal.”Fast epidemicMr Audoin ran a French Aids organisation called Sidaction, before heading the IAS – an organisation of 18,000 health professionals and activists.He said: “At the moment, for every one person beginning treatment in badly affected countries in Africa, two people get infected with HIV in that time. “So treatment with anti-retroviral drugs isn’t the only solution in the long run.“It could take 25 years before we find a cure – and the hardest part will be convincing donor governments and other funding organisations to put money into research.“But if we don’t invest in the science, the epidemic will go faster than our work on it – and the financial situation will make it more difficult to put people on treatment.”False hopesThe IAS has convened a working group of international researchers to develop a strategy that might lead to a cure. It is due to deliver a draft report at the end of the year.The group is co-chaired by Professor Francoise Barre-Sinoussi, who won the Nobel Prize in 2008 for discovering HIV.A virologist at University College London, Professor Robin Weiss, said: “Much as I would love to see one, the word ‘cure’ can lead to false hopes.“I don’t believe you can cure HIV infection, but you can keep the amount of virus down.“I would prefer to see a vaccine so we can stop people being infected in the first place. But we’re still years away from having one for HIV.”Next week, heads of governments will attend a high-level UN meeting on Aids in New York. Negotiations have already begun to look at the wording of a final declaration.Mr Audoin said: “Some of us are fighting for very simple words to be put in the declaration – for example, mentioning condoms – but we are not sure if that will happen.“There is a trend in some governments to think that we’ve done enough on HIV, or that everything has failed. We need to keep developing our programmes.”center_img Share Tweet 168 Views   one commentlast_img read more

Public meeting planned for proposed U.S. 50 work

first_imgDillsboro, Ind. — The Indiana Department of Transportation will host a public meeting regarding a planned project on U.S. 50 between State Road 101 to about two miles west of State Road 350 in Ripley and Dearborn Counties.The project is designed to increase service life and enhance safety by addressing the surface condition. The pavement reconstruction will include about 12 miles of roadway.INDOT staff encourages the public to offer input about this proposed project.The meeting will be held at the Dillsboro Town Hall, 13030 Executive Drive at 6 p.m. on Wednesday, June 14.last_img

I didn’t snub Under-21s – Jones

first_img And on a visit to his old school, Balshaw’s CE High School in Leyland, to deliver football equipment he helped pay for as part of a combined initiative involving the Premier League, PFA and Manchester United, Jones decided to set the record straight. “I didn’t expect it and I am disappointed,” said Jones. “It is simply not true. I have represented the Under-19s, the Under-21s and the seniors. I said from the first day I pulled on an England shirt, it sent shivers down my spine. “How he can come out and say I didn’t want to play for the Under-21s is beyond me. “It wasn’t nice to read what he said and I am sure Alex Oxlade-Chamberlain is thinking the same thing.” Having missed the first three months of last season, and another six-week period between the middle of February and the beginning of April with a knee injury, Sir Alex Ferguson wanted to protect Jones. In addition, England boss Roy Hodgson would not countenance any player chosen for the post-season trip to Brazil to also be selected for Under-21 duty. Hodgson informed Pearce he wanted Jones with him in Rio and the former Blackburn man subsequently completed the full 90 minutes in a 2-2 draw at the Maracana Stadium, having played the second half of a Wembley encounter with Republic of Ireland just four days earlier. Pearce singled out Jones and Alex Oxlade-Chamberlain as two players who missed the European Championship because they felt dropping back down from the senior squad was beneath them. Yet, in speaking of players going through the “golden ivory towers of the seniors”, Pearce left Jones hurt and confused as that is not how the 21-year-old views the situation at all. Manchester United’s Phil Jones has hit back at Stuart Pearce’s claims he snubbed an England Under-21 call this summer. Press Association “It was totally out of my hands,” said Jones. “Roy Hodgson came out prior to the Under-21 tournament and said he regarded me as a senior player. “I went on to play against Ireland and Brazil, so it wasn’t a waste of time going with the seniors. “Probably if I had been on the bench I could have seen where he (Pearce) was coming from but I got a lot of experience from those two games. “Don’t forget also I had just come back from a knee injury, for the second time, and I had to manage it in the right way, control it and make sure I wasn’t overusing it. “That’s why I am really disappointed in these comments.” After a dismal performance in Israel, when his side failed to win a game and were eliminated at the group stage, Pearce has now been replaced by Gareth Southgate. Already Southgate has adopted a more pragmatic view of his role as Under-21 coach, reinforcing Hodgson’s belief that the aim of every age group team is to provide players for the England national side. “People are entitled to their opinions and they can make comments,” said Jones. “I will just get on with my football and ignore it. “It hasn’t dampened my enthusiasm for England though. Definitely not. It is an honour to represent your country at any level and I will continue to enjoy that experience when it happens.” It was an unwanted diversion on a trip back to his old school, which is presently providing lessons to some of the pupils from neighbouring Leyland St Mary’s Catholic Technology College, which was burnt down on the eve of the school year earlier this month. Jones was able to deliver free team strips and training equipment through the initiative, which began in 2011, and involves players from each Barclays Premier League club donating £25,000 per club to create a £500,000 fund. The money is used to provide for schools, clubs and youth organisations. In addition, Manchester United also donated a number of items, including signed shirts, to help raise much-needed funds for the school. “It is always nice to come back,” said Jones. “I have a lot of fond memories from here. “Football was always my number one thing. “I got scouted for Blackburn at the end of year six in primary school, so when I came here I was already at Blackburn and stayed there right through my high school. “I used to miss every Tuesday in year 10 and 11 to train with the players from other schools in Blackburn. “Thankfully it paid off – otherwise I would have got it in the neck from the teachers.” last_img read more

Round Two Busta Champion of Champions tourney continues tomorrow

first_img-lone semi-final set for SundayROUND Two of the ongoing Berbice Cricket Board (BCB)/RHTY&SC/Busta Champion of Champions 40-over tournament continues tomorrow and Sunday with a number of matches.The tournament commenced with 11 teams, six of which remain, including RHT Namilco Thunderbolt Flour, Albion Community Centre, Port Mourant, Blairmont Community Centre, Tucber Park CC and Young Warriors, who will now battle for the opportunity to reach the finals.At the Albion ground, the home team play Young Warriors,with the winner drawing a bye into the final. Albion will rely on the now in-form  Guyana Jags batsman, Jonathan Foo, while Kandasammy Surujnarine and Rajiv Ivan, both with tons to their names, along with talents like, Ritesh Umroa, Sarwan Chaitnarine and Adrian Sukhwah will be on show.Young Warriors CC, with seasoned campaigners Linden Austin, Vishal Mohabir, Suresh Dhanai, Alex Algoo, Ishwar Singh, Ricardo Ramdehol, Kassim Khan and Seon Hetmyer, will want to give good accounts of themselves.At the Area ‘H’ Ground, defending Champions, Rose Hall Town Namilco Thunderbolt Flour, led by Shawn Pereira, along with Eon Hooper, Junior Sinclair, Keith Simpson, Delbert Hicks, Jonathan Rampersaud, Jason Sinclair, Sylus Tyndall and Chanderpaul Govindhan will be keen on preserving their title reign.Their opponents, Blairmont, could post a threat especially with Seon Glasgow, Nigel Deodat, Kevin Jawahir, Javed Karim, Marvon Prashad, Shabeer Baksh and others already looking ominous from the previous rounds.The final match will feature a battle between Port Mourant and Tucber Park at the Port Mourant ground. Demetri Cameron, Arif Chan, Rampertab Ramnauth, Mahendra Boodram, Trishan Ramsarran, Quincy Burnette and Salim Khan, will represent the home team as they will want to defend their turf.Meanwhile, Tucber Park will bank on Garfield Benjamin, Martin Singh, Anthony ‘D’ Andrade, Quacy Mickle, Nial Smith, Leon Swammy and Devon Clements and others to put on a good showing.Winners of the RHT Thunderbolt Flour vs Blairmont and Port Mourant vs Tucber Park battles will clash in the lone semi-finals on Sunday at the Area ‘H’ Ground. All matches start at 11:00hrs.last_img read more

FIBA gives ‘green light’ for return to basketball games

first_imgFOLLOWING the report of the last meeting of the FIBA Medical Advisory Group (MAG), basketball’s global governing body has decided to lift the suspension that has been in place on all FIBA competitions since March 13.The restart of FIBA competitions will be based on the adjusted calendar, confirmed by the FIBA Executive Committee in April and the calendars for continental sub-continental youth and club competitions approved accordingly by the Zone Boards, after consultation with the FIBA MAG.The FIBA’s MAG has identified a number of best practices of professional leagues that have restarted their competitions recently and collected many health protocols.In order to help National Federations and Leagues with the planning for the return of their competitions in the next months, in addition to the Guidelines for the Return to Basketball published on May 26, FIBA will make available the collected national restart protocols to its members and will continue to provide advice through the FIBA Medical Commission.Compliance with the applicable decisions of public authorities alongside FIBA’s rules and guidelines is of paramount importance for the health and safety of our players, coaches, officials and fans.FIBA will continue to monitor the COVID-19 situation on a daily basis and communicate further updates regularly in regard to FIBA Competitions.last_img read more