To kick off March as Women’s History Month, Saint Mary’s student diversity board continued its celebration of Women’s Appreciation Week by recognizing women leaders, their accomplishments and their shared history with two on-campus panels.During this week, the student diversity board strives to celebrate the women “within us” rather than implementing a specific stereotype that women must fit, chair of the event Christin Kloski said.As part of the weeklong event, students host speakers and participate in discussions and panels, Student Diversity Board president Maria Del Cardenas said. More than anything, the event was meant to celebrate and empower women around the Saint Mary’s campus and community, Del Cardenas said.“I think that we all feel the importance of giving a woman the attention and praise she deserves,” she said. “Especially Saint Mary’s women, we have high levels of achievement and participate in an extreme amount of activities on campus, we are making history year after year.” Saint Mary’s held a professor panel on “Her Story” at 6 p.m. in the Student Center Lounge on Tuesday to demonstrate the depth of character that defies the stereotypical image of women and to discuss what makes professional women who they are today, Kloski said.“We want to show that our journey of becoming women is never ending,” she said. “Each student could learn something from the women and use them as a resource to guide them on their own path to becoming a strong, independent women.”The panel focused on the empowerment of women, Kloski said. “It is acceptable to be vulnerable, but a woman is also resilient,” Kloski said. “Through a journey, emotion and unknown outcomes, a woman is transformed by each experience.” The panel included philosophy professor Adrienne Lyles Chockley and communications professor Marne Austin, and each shared her “life story” with students, Kloski said. “[They] are awesome ladies,” Kloski said. “The two were the best options for the panel. Both simply explained that life is full of imperfection, and as women, we must understand that concept.”The two women also discussed how life and plans can unexpectedly change, just by the nature of the universe, Kloski said.“If life were a set plan, then it would be boring,” she said. Austin said she was approached by the student diversity board to partake in the panel because she lives for women’s empowerment everyday.“The reason I’m here at Saint Mary’s College is because I believe in the inherent power, brilliance, resilience, heart and compassion of, for and with women and those who identify as gender minorities,” Austin said. Kloski said women could act as a huge presence in today’s world every day. “What we do in our everyday life guides us to find our path to becoming a woman,” Kloski said. “It is okay to be vulnerable. It is normal to be imperfect.”As members of an all women’s college, students at Saint Mary’s should build one another up and unite to form a place where they can fully express and develop their emotional, mental and physical identities, Kloski said.“We need to support one another as women because we each go through the same discrimination,” she said. “It is a recognition that we are all vulnerable and it is a need for unity to understand perfection.”Kloski said an ambition board was held during lunch hour in the Noble Family Dining Hall on Wednesday to discuss the theme of, “I will be… I am… I admire…” “Women live in a patriarchal society in which are voice is limited or hushed,” Kloski said. “This week, we want to hear the ‘hushed’ voices.“The week goes in full depth on how to become a woman with not only a voice, but a mind that is not limited but opens itself to all opportunities.” Austin said she has all the hope and confidence in the world for the students of Saint Mary’s.“[The students] all are full of brilliance, tenacity, and resilience,” she said. “Where we can improve is in the area of perfectionism. There is no such thing as perfect.Though Women’s Appreciation Week only runs through Feb. 28, there will be a showing of the film, “Women, War & Peace” on March 5 to celebrate International Women’s Day, Del Cardenas said. “We hope that by the end of the week, students are empowered to continue to be catalysts of change, both locally and internationally by hosting diverse point of views on leadership,” Del Cardenas said.Tags: Student Diversity Board, Women’s Appreciation Week
The 2019-2020 Notre Dame Forum, titled “Rebuild My Church: Crisis and Response” will focus on the sexual abuse crisis in the Catholic Church, University President Fr. John Jenkins announced in press release Wednesday. “While we must never fail to be honest and forthright about terrible acts of abuse and failures of oversight, the forum is designed to be constructive and forward-looking,” Jenkins said in the release.According to the release, the annual Notre Dame Forum, first established in 2005, promotes academic discussion of “issues of importance to the University.” The 2019-forum will “examine the sexual abuse crisis in the Catholic Church and explore reforms to which it should lead,” the release said.The forum’s first event, a panel titled “The Church Crisis: Where are We Now?” is scheduled for Sept. 25 and will feature several scholars familiar with the crisis, including Kathleen McChesney, a former FBI executive who contributed to the “Charter for the Protection of Children and Young People”; sexual abuse survivors’ advocate Juan Carlos Cruz; journalist Peter Steinfels; and John Allen, the editor of Crux, a Catholic news organization.More panelists may join the panel, the release said. More events in the forum will explore possible reforms to address the crisis.In the release, Jenkins also announced the creation of a committee to award over $1 million in grants to Notre Dame faculty to support research on sexual abuse and clericalism in the Church.Tags: 2019-2020 notre dame forum, Catholic church, church sex abuse crisis, Notre Dame Forum
Editor’s note: A version of this story appeared in the print edition of The Observer on Feb. 21. K.J. Martijn Cremers, interim dean of Mendoza College of Business and Bernard J. Hank professor of finance at Notre Dame, will be Holy Cross College’s 2019 commencement speaker, Monica Garvey Leyes, assistant director of communications at Holy Cross, announced in a press release Wednesday.“We are honored to welcome Dr. Cremers as our commencement speaker,” Holy Cross President Fr. David Tyson said in the release. “The breadth and integrity of his work set him apart in both the academy and the business field. Even more so, his commitment to the Catholic intellectual tradition and his dedication to truth, the dignity of the human person and the common good will speak to every one of our graduates, professors and guests.”Cremers served as faculty at the Yale School of Management for 10 years before joining Mendoza in 2012. He earned his master’s degree from the Vrije Universiteit Amsterdam and received a doctorate in finance from New York University’s Stern School of Business.Cremers’ scholarship focuses on investment management and corporate governance, and he teaches at both the MBA and undergraduate levels.He received recognition for his 2007 academic paper, “How active is your fund manager? A new measure that predicts performance,” which he co-authored with management professor Antti Petajisto and published in the Review of Financial Studies in 2009. According to the release, the paper “introduced a measure of management called ‘Active Share’ now widely used in the financial industry.”Cremers’ work has been published in several academic journals, including the Journal of Finance, the Review of Financial Studies, the Journal of Financial Economics, Stanford Law Review and Northwestern Law Review. His research has also been featured in The Wall Street Journal and Financial Times, the release said.Outside his work at Notre Dame, Cremers serves as the independent director at Ariel Investments in Chicago and as an external consultant with State Street Associates.The Holy Cross commencement ceremony will take place May 18 at 2 p.m. in the Pfeil Center’s McKenna Arena.Tags: Commencement 2019, Holy Cross College, martijn cremers, mendoza college of business
Will 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.
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: www.affirmx.com 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 a
As 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 »
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Like 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? 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.
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.” Share Tweet 168 Views one comment
Dillsboro, 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.