continue reading » NAFCU ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr As 2019 comes to an end, NAFCU’s bold advocacy strategy – informed by direct member feedback – achieved a number of wins for the industry throughout the year. These wins put credit unions in a strong position heading into the new year to accomplish even more.Here’s a look at some key wins:CECL: The Financial Accounting Standards Board (FASB) in November made final a delay to its current expected credit loss (CECL) standard, pushing credit unions’ compliance date to 2023. NAFCU for years has shared credit unions’ concerns about the negative impacts of CECL to FASB. The association continues to push for more guidance and relieffor credit unions under the standard with the NCUA and FASB.RBC: In its final meeting of the year, the NCUA Board passed a final rule to delay the implementation of its risk-based capital (RBC) rule by two years to Jan. 1, 2022. NAFCU has led efforts to ensure credit unions and their members benefit from a modern capital regime, working closely with policymakers on Capitol Hill and at the NCUA.
The canoeing trip above Victoria Falls isnot exactly strenuous. Your guide does allthe paddling, and there are no rapids.(Image: Jennifer Stern) You can get up close and personal withan elephant at Victoria Falls.(Image: Jennifer Stern) The Batoka Gorge rafting is wet and wild,and not for the faint-hearted.(Image: Shearwater Adventures) Fishing on Lake Kariba is hard work.(Image: Jennifer Stern) You can choose your level of pamperingon a Lake Kariba houseboat. Service inthe Zimbabwe tourism industry remainsexcellent.(Image: Jennifer Stern)Jennifer SternIn the light of recent developments in Zimbabwe, there is a chance that this once fabulous tourist destination may soon regain some of its former glory. I’ve visited Zimbabwe so many times over the last couple of decades I’ve lost count, but I do know that I have never failed to be impressed by the place, the people, and the service. And that’s been the case as recently as just over a year ago.My last visit showed me just how resilient the tourism industry is – surviving the multiple challenges of currency freefall, fuel crises, political gerrymandering, food shortages and widespread mayhem. It’s been the one consistent bright light in an otherwise bleak period. An estimated 100 000 Zimbabweans are employed in the tourism sector, managing to keep their jobs through the grim times. And considering that each employee probably supports a family, that’s a lot of people that would have been in pretty dire straits if Zim had not managed to hang on to its foreign visitors.So now that things are looking up, it’s a good time to enjoy all that this awesome destination has to offer. Get in before the crowds, and while the prices are still competitive. Here are a few suggestions.Victoria FallsVictoria Falls has weathered the storm better than most other destinations, and it’s probably top of most people’s Zimbabwe wish list. But the political woes of the last few years have seen the town of Victoria Falls losing a fair number of its visitors, almost all of whom simply went across the river to Livingstone, in Zambia.But it’s picking up pretty quickly and – even in the last year or two – a number of hotels have been spending money on refurbishment, certain that the wheel would turn. The Zim side of the falls offers a different view from the Zambian side. Some say a better view, but let’s just say it’s a complementary view, and you really should see both.In fact, you can stay on one side and do a whole host of fun adventures, crossing the border almost daily. Activity-wise, it really doesn’t matter which side you stay on, but you’re likely to get some good accommodation deals on the Zim side. And, between the two, there is so much to do.Adrenaline junkies will love the wild and wicked Batoka Gorge rafting, which has been described as the best one-day white water rafting trip in the world. Or you could do a tandem kayak trip on those same rapids, or even try your hand at river-boarding – not for wimps, as you negotiate those big and gnarly rapids on a boogie board.Then there is the bungy jump. It’s not the world’s highest but it’s almost certainly the most scenic. There are gentle booze cruises and flat-water paddling trips for the less intrepid and, if you want an unbeatable view of the falls, you could fly over them in a microlight or a helicopter.You can ride an elephant, cuddle a baby lion or do a horseback safari. You could even play golf, and gamble away at the casino – unfortunately, not in Zim dollars, so you miss the chance of telling your friends you lost a million dollars at the roulette wheel, and smile about it. You could spend days in Vic Falls and never get bored.Hwange National ParkBut there’s more to Zimbabwe than Vic Falls. Hwange National Park has definitely had a bit of a hard time of it, but it’s hanging in there. Some of the lodges have closed down but there are a few still running – against all odds.On my recent visit it was clear they were trying hard to keep going. The curtains and other soft furnishings were getting a bit tatty around the edges, and it was obvious there was no money to spare, but everything was spotlessly clean and the service was great. Best of all, there was so much game to be seen and – a mixed blessing – so few people!Kariba DamAnother destination that seems to have weathered the storm is Kariba, which has continued to attract anglers, bird watchers and big game junkies. The banks of this huge artificial lake are truly wild, with many areas being virtually inaccessible by land.A large flotilla of houseboats is tethered to the jetties of the somewhat run-down town of Kariba, eagerly awaiting passengers to pit their skills against the ferocious tiger fish or the eminently edible bream, or to just laze their days away on the deck while some of the best scenery in Africa glides by. Strangely, even though Kariba – the lake, not the town – spans the border between Zimbabwe and Zambia, the Zambian side has never really developed a good tourist infrastructure.Mana Pools National ParkBut that’s not the case further downstream. The Mana Pools National Park in Zimbabwe and the Lower Zambezi National Park in Zambia offer similar spectacular game viewing and spectacular paddling trips. I’ve done both, and I preferred the Zim side only because power boats are allowed on the Zambian side. At this point the river is wide enough with enough channels that the two sides really do seem to be different destinations, and a power boat in Zambia can’t be heard in Mana Pools.You can choose between a rough-and-ready participatory camping trip, on which you load all your goods into a canoe and set up camp on deserted islands or in sheltered coves. Or you can do a luxury trip on which the canoe is relatively free of goods as backup crew drive your luggage round, set up comfortable en-suite tents, light the fire, cook the yummy meals and ensure you have an ice-cold drink when you disembark.And the best part – you only paddle for a few hours and then take a walk to give your arms a rest, and then you paddle for a while to give your legs a rest … Pure bliss. A Mana Pools canoeing trip is one of the things you have to do before you die.Doing your homeworkThe above are the most reliable and dependable destinations in Zimbabwe at the moment, but they are by no means the only accessible ones. You may just need to do a bit more homework to plan a trip to some of the other iconic spots, such as Matobo National Park, the cool, green Eastern Highlands, or the magnificent, mysterious and enigmatic Great Zimbabwe.Quite a few independent travellers have visited a number of destinations, doing all their own driving and planning, or even taking public transport. But unless you are particularly adventurous, you’d be better off sticking to the tried and tested destinations and the established operators that have proved their resilience and commitment to the country by hanging in through the bad times. At least for the foreseeable future.Don’t hold your breath, but if the agreement between Morgan Tsvangirai and Robert Mugabe holds, the chances are that the tourism industry will bounce back with a surprising alacrity. Here’s hoping.Do you have queries or comments about this article? Email Mary Alexander at [email protected] articlesZimbabwe moves forward Useful linksCreative Teaming International Flame of Africa Go to Victoria Falls Natureways Safaris Safari Par Excellence Shearwater Adventures read more
Essential Reading! Get my first book: The Only Sale Guide You’ll Ever Need “The USA Today bestseller by the star sales speaker and author of The Sales Blog that reveals how all salespeople can attain huge sales success through strategies backed by extensive research and experience.” Buy Now The world punishes some behaviors while rewarding others, even though the behaviors that are punished are sometimes more common than those rewarded.The world doesn’t seem to think too much of laziness, preferring to confer its benefits to industriousness instead. While laziness produces a lack of result, industriousness is rewarded with increased monetary compensation, increased recognition, and growth.Integrity and character are also rewarded while a lack of these things is almost always punished. One who is dishonest may succeed in getting what they want over the short term, but over the longer term, the world ostracizes those who do things that are illegal and immoral. The world rewards honesty, integrity, and character with relationships that last a lifetime, trust in business and personal dealings, and the reward that comes to those who have a clear conscience.Giving up is often punished while persistence and determination receive what may seem like an unfair bounty. This last week I wrote a post where I suggested that given enough time, energy, and resources, all obstacles yield. A reader suggested that I was incorrect, that he would never be able to play in the Masters or carry a baby to term. I believe he is wrong, that he is short on time, energy, and resources . . . and a passionate desire to have these things (something I should have added). Giving up is punished with a lack of having whatever it was that you were pursuing, something that someone else with greater intestinal fortitude will surely have as their reward.The world doesn’t reward pessimism or cynicism in any of their varieties. The underlying negative mindset produces a negative lens through which the world looks like a dark and difficult place. Most of the time, this negative mindset is used to protect the holder from being hurt or disappointed, while also absolving them of the responsibility to do something, especially pouring their heart and soul into something. People who are optimistic, empowered, and future-oriented reap the benefits of seeing a world that is full of unlimited possibility and potential.The first half of The Only Sales Guide is a list of attributes that the world favors. Things like self-discipline, optimism, caring, competitiveness, determination, resourcefulness, initiative, communication skills, and accountability.Reality is extremely persistent. It isn’t swayed by opinions, and it doesn’t seem to take into account any individual’s preferences. If what you are doing isn’t producing the result you want, it is likely that the root cause may be that you are acting in opposition to what the world rewards.You can have anything you want, provided you are willing to pay the price to have it, and provided you pay the price in full. read more
Nagpur, Nov 1 (PTI) Almost all the top Indian shuttlers, including K Srikanth, P V Sindhu and Saina Nehwal, will be seen in action in the seven-day Senior National Badminton Championship which begins here tomorrow.Besides Olympic medallists Sindhu and Saina, the championship will see the in-orm Srikanth who is in red-hot form after becoming the first Indian and fourth in the world to win four Super Series titles in a calendar.No doubt, Srikanth will be the favourite to win the title in the mens singles.In the womens singles, Saina and Sindhu may clash in some stage, which will be a rare ocassion for the badminton fans to relish.Other top Indian shuttlers who will be taking part in the championships include H S Prannoy, Ajay Jayaram, Sai Praneeth B, Sameer Verma, Sourabh Verma, Parupalli Kashyap and Danial Farid in mens singles and Rituparna Das and Anura Prabhudesai in womens singles.Over 400 players from 29 states and 2 union territories will take part in the event.Srikanth, Prannoy, Jayaram, Sai Praneeth, Verma brothers, Kashyap and Farid have been given direct entry to the pre- quarterfinals in mens singles. Similarly, Sindhu, Saina, Rituparna and Anura will start the tournament from the pre- quarterfinals in womens singles.In mens doubles, Satwiksairaj Rankireddy/Chirag Shetty, Manu Attri/Reddy B, Arjun M R/Ramchandran Shlok and the top pair from the latest BAI rankings have been handed a direct entry to the quarterfinals.In womens doubles, Ashwini Ponnappa/Reddy N Sikki, Sanjana Santosh/Arathi Sara Sunil, Jakkampudi Meghana/S Ram Poorvisha and a top pair from latest BAI rankings will start the tournament from the quarterfinals.advertisementIn mixed doubles, Pranaav Jerry Chopra/Reddy N Sikki, Reddy B Sumeeth/Ashwini Ponnappa, top and second ranked pair from the latest BAI rankings have been handed a direct entry to the quarterfinals.The 82nd edition, which will continue till November 8 at the Divisional Sports Complex at Mankapur here, is being held under the aegis of Badminton Association of India and Maharashtra Badminton Association.There will be five events — mens and womens singles, mens and womens doubles and mix doubles and team championship — in the tournament.The total prize money for the event is Rs 60 lakh — the highest ever in the history of the Senior Nationals.The winner in mens and womens singles as well as the doubles pairs will receive Rs 2 lakhs each while corresponding runners-up will get Rs 1.5 lakh. PTI PDS PM PM read more
LEAVE A REPLY Cancel replyLog in to leave a comment Advertisement Me, I’m not sure that Kellie Leitch and her campaign are real. I think it’s all part of this fake-news thing that’s going around.Listen, the candidate and the candidate’s positions don’t sound authentic. It smells bogus. I mean, seriously – a well-off surgeon, academic, former cabinet minister and MBA is traipsing around drumming up support and media attention by attacking “the elites” in Canada. Aren’t such people struck down by a bolt of lightning for brazen hypocrisy?Sadly, to paraphrase Leitch’s own assessment of Justin the Good’s remarks about Fidel Castro, it is not a fake or parody campaign. But it is certainly shameful and an embarrassment. Login/Register With: Leitch has taken a position on the CBC. It must go. That’s it; just dismantle it and move on. This proposal was a welcome break from Leitch’s ongoing obsession with screening immigrants for anti-Canadian values. The sort of horse manure that got many Conservative cabinet ministers exactly where they are today. Advertisement Advertisement Facebook Twitter read more