Why don’t credit unions help more veterans?

first_img 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Someone recently forwarded me an article about how one VA Lender (loanDepot) had seen there VA volume increase 225% over the past two years. It got me wondering how much VA lending Credit Unions do.The answer: Not much.How much is not much, read on….The Veteran’s Administration publishes a list of the top 300 VA lenders each year. You can find the fiscal year 2016 list here. Here’s the only Credit Unions and CUSOs on it…. continue reading »last_img read more

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Kootenay Lake Fishing Report

first_imgGreg had never had much success on the bucktail flies and didn’t have much confidence in them.  Well by the end of the day, I think we proved that they are definitely the lure of choice. Over 10 fish that day and all on flies.  The biggest of the day being a beautiful 16 Lb Rainbow caught by his buddy Chris. Congratulations Chris.  A bunch more Rainbows between 8 – 12 pounds made for an exciting day.  These guys can take the information they learned and apply it now to their next trips out on the lake.  I hope this helps with your success.It’s nice to have a great day like that during this slower fishing month.  Still helps keep the hope alive that any day could be a great day of fishing. That day was an exceptional day for March.  Most other days were producing only a few fish, but always made it worth while being on the water. The first week of April saw the one week opening of the West Arm Kokanee fishery.  This year produced many Kokanee and great sizes too.  Many fishermen were rewarded with their limits within an hour. With a lot of these fish measuring between 14 – 19 inches, it made it well worth the outing for everyone.  Hopefully this is the beginning of a great fishery this year.  The next opening for the West Arm will be the first week of May. Looking forward to it. And so far in April, I have noticed the rivers running steady.  Looks like the beginning of spring run – off.  This means more insects and debris starting to show up on the lake. And with that, fish are starting to surface.  I have noticed a lot of activity on the main lake this past week.  As a matter of fact, we seem to be catching a lot more fish right now. Maybe not a lot of quality fish, but the quantity is there.  Seems like the smaller fish are finally coming out to play.  This is usually the sign of the beginning of our favorite spring fishery. As the water warms up and the bugs come out, we will start to see more and more fish becoming aggressive.  Can’t wait for the big ones to follow. Usually the end of April starts to bring some consistent fishing.  And May and June should be on fire.  Looking forward to our amazing spring fishing !!What are they biting on??? We’ve been catching a lot of fish on our bucktail flies.  Lots of shakers at this time of year, but always a few big ones mixed in.  My favorite colors so far have been:  black/white, grey/white, and still purple/white.  The lucky numbers being:  210, 215, 222, 228 Apex lures are working well also.  Similar colors as the flies.  Black/white,  Silver, or blue/green has been working as well. And my favorite Lyman plugs have also been producing some fish.  Lucky numbers:  16, 55, 69. Our water temperature is rising and the fish should be turning on. Prime time is coming, so Let’s get out there!!! Tight lines………….  Kerry Reed Reel Adventures Charters Nelson B.C 250-505-4963 www.reeladventuresfishing.com By Kerry Reed, Reel Adventures ChartersWell another month down and another step closer to my favorite time of year. March was another tough month for fishing.  Weather was up and down and so was the fishing. We did have a few really good days however, with more than 10 fish to the boat.  Other days made us have to work for our dinner, but we seemed to still manage a good fish each day.On one of our better days, I remember trolling for the first couple hours without any action.  But when that magic feeding time occurred, we started catching fish regularly. First fish didn’t hit until around 11 a.m., but it was the beginning of a frenzy. My crew, who had been out on the lake before, were hoping to learn a few new techniques that would help them catch fish on their own.  And they were pleasantly surprised by the fish’s cooperation. last_img read more

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Guyanese turn out in numbers on Easter Monday

first_imgHundreds of Guyanese from all walks of life flocked the various parks and open spaces on Monday to observe and participate in this year’s Easter holiday festivities, as it signifies the resurrection of Jesus Christ.Patrons at the Golden Fleece Beach on Easter MondayThe favourable weather experienced across the country motivated kite lovers and spectators to take to the different kite flying hotspots.Decked in their stylish and colourful outfits and enjoying the jubilant atmosphere with their family and friends, they braved the sun to display their creativity and artistic skills with their multi-coloured kites.These three children were seen trying to raise their kites at Joe Vieira ParkWhen this publication visited the seawall along the East Coast of Demerara, the picturesque view of the kites, especially the popular bird and star-shaped ones, could be seen in the sky from a distance as they “danced” and “sung” whenever the ocean breeze hit them.At this venue, parents were seen helping their children get their kites into the sky among the many others, which, when taken at a glance, painted a picture of beautiful birds.Two women attempting to raise a kite at the National ParkPersons who were there to take in the scenery and be part of the festivities could be seen enjoying the ocean winds under a cool shade, chatting with their family and friends.Shenelle, a vendor at the seawall, who has been in the business for years, related that the sales during the Easter holiday is quite normal in the midday but eventually picks up as more people flock the area in the afternoon period, enthusiastically adding that she loves everything about Easter since it’s a time for family.These three lads already for the fun and excitementMeanwhile, Marlin, a spectator, stated that she and her family are enjoying the Easter especially since the sun is out, “So far I’m enjoying the Easter, the sun is out and all is glory and we are having fun…Easter is a time to enjoy yourself with your family and so forth,” she said.The atmosphere in the popular family venue, the National Park, was filled with family cheers and laughter of the scores of children who were excited about sending their kites up into the sky in perfect weather.A family relaxing at the Georgetown SeawallSelwyn Henry, an overseas-based Guyanese, whilst being encircled by his family members in their corner of the park, related to this publication that he is visiting his homeland for the Easter holiday and is so far enjoying his stay.“I’m enjoying my stay here in Guyana. Of course, I am from Guyana…I love being home because it’s wonderful as kite flying signifies the rising of Jesus Christ” he explained.These kids making their way to Anna Regina SeawallAvril Roberts, another overseas-based Guyanese, cheerfully pointed out that she is enjoying herself on Easter Monday and is hoping to be in Guyana to celebrate another Easter holiday. Over at the Joe Vieira Park, West Bank Demerara, the enjoyment factor was much the same. There was music, lots to eat and drink and more so, lots of children with happy faces trying to get their kites in the air.Reports coming out of Essequibo also suggested that the persons who came out to have a grand time with their family and friends did so. Scores of people were seen on the beaches and open spaces either picnicking or looking at their children having a wonderful time.Kids having fun with their parents at National ParkIn the mining town of Linden, residents came out in their numbers as they flocked various sites across the community which are known for kite flying.Areas such as the Bayroc Ground, various ball fields and dykes were transformed into fun zones throughout the day.Though the heat of the day presented some challenges earlier on, this did not deter kite flying lovers and others from venturing out to the various locations.A young man displays a six foot kite in LindenChildren could be seen raising their kites into the air, ably assisted by the grownups in some cases, while others opted to enjoy the cool afternoon vibes later on in the day.The weather remained perfect for most of the day, providing just the right atmosphere for kite flying and other fun activities. Fun zones were created in some areas where children hopped on merry-go-rounds, bouncy castles and played games. Families were also observed barbecuing and having picnics.last_img read more

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Marc Rosenbaum’s Monitoring Results

first_img Sign up for a free trial and get instant access to this article as well as GBA’s complete library of premium articles and construction details. This article is only available to GBA Prime Members At a recent conference in Burlington, Vermont, energy consultant Marc Rosenbaum shared insights that he’s gleaned from several energy monitoring projects. His presentation on February 7, 2018, was part of Better Buildings By Design, a conference sponsored by Efficiency Vermont.Rosenbaum believes that energy retrofit specialists should regularly measure energy use. “We’re practitioners,” Rosenbaum told the Burlington audience. “Most of the time we try to get it right, and when we don’t we want to know why. So we grind through it. We try it again and test it.” Monitoring a Zehnder ERV At his house on Martha’s Vineyard in Massachusetts, Rosenbaum has a Zehnder ComfoAir 200 energy-recovery ventilator (ERV). Rosenbaum praised Zehnder’s plastic ductwork (so-called ComfoTube ducts). “I cannot find a detectable leak in the ducts,” he said.He took temperature measurements and power draw measurements to determine the ERV’s effectiveness. “I am interested in effectiveness, not efficiency,” he said. “Most people talk about efficiency. Efficiency measurements include motor watts. Effectiveness is the measure of how much of the temperature differential between outdoor and indoor air is recovered by the ventilator. Effectiveness is affected by motor heat, heat transfer through the case, and internal condensation. You can raise effectiveness by bad design — you can heat the air with the heat from the motor and the fan.”Summing up, Rosenbaum said, “I’m interested in in the thermal performance of the ERV — the temperature rise as the outdoor air passes through the unit.”T(out) = outdoor air temperature T(exh) = temperature of exhaust air leaving the ERVT(sup) = temperature fresh air leaving the ERVT(ret) = temperature of stale air entering the ERVAccording to Rosenbaum’s measurements,… center_img Start Free Trial Already a member? Log inlast_img read more

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Paradise re-invented in Goa

first_imgExperience a happening beach party in GoaThe soft, melodic hum of the azure ocean is given a thumping rhythm thanks to the nearby beach party that is ‘rocking’ in all its fenny-laced fervour. The sight of bikini-clad bodies paying obeisance to the sun is juxtaposed with the image of veiled ladies proceeding to the chapel for evening prayers. This beach paradise is filled with such contrasting experiences that somehow seem to cohabit in an ambrosial setting that typifies Goa, a place that has over the last four decades, achieved the iconic status as India’s ultimate party destination.Singing is a way of life on Goan beachesWhile Goa might be all this and more, it is certainly not static. A place that is constantly changing, yet keeping a firm grip on all that makes it super-special, Goa is the perfect microcosm of all that is new… and yes, happening!Stay wildThe charming Casa dos Colacos in MargaoNever has there been a place in India that has the distinction of seeing a new hotel being launched almost every week, but Goa comes close. It offers a mind boggling variety of new accommodation options that suit almost every budget and taste. For those who prefer to try out something different, Club Fresh Resort at Morjim beach in north offers tents that are kitted out with all the mod cons to make your stay memorable. It also has 15 rooms, a spa and multi-cuisine restaurant. For a great insight into the Portuguese legacy, the Casa dos Colacos, in Margao, is the perfect place for some culture-vulturing. A boutique bed and breakfast kind of place, it is housed in a renovated old-style bungalow steeped in history. Perched on the idyllic sandy beaches of Candolim, the new Casablanca is a beachside resort that offers you the doorstep to the sea. Replete with typical Goan hospitality and charm, it is one of the best stay options at Candolim.Shopping for styleA quiet walk on Baga beach is a great way to experience the placeIt is no surprise that Indian designers like Malini Ramani and Wendell Rodricks have set shop in hip Goa. The eclectic boho-chic sense of style is all pervasive here with flea markets and quaint boutiques that sell everything from 70s inspired shirts, string bikinis to flower-power lounge pants. The latest designer to open a store here is Arjun Khanna whose signature boutique in Saligaon is fast attracting the swish set with its superb creations. Another brand new shopping destination is Arte e Mobilia in Panjim that is full of unique objects and art sourced from Goa, Mumbai, Kolkata and beyond.Foodie’s delightSinful seafoodWhen it comes to eating, Goa offers a newer smorgasbord of tempting possibilities. Located in one of the oldest neighbourhoods of Panjim’s Latin Quarter, Ernestos maybe a newbie on the scene, but it packs in quite a mighty punch with its world cuisine favourites like filet mignon and barbecued ribs. Republic of Noodles in Candolim pays homage to Southeast Asian cuisine with its superb nosh like the Bangkok Pad Thai noodles. For the loungers CafÅ Chocolatti’s new branch at Altinho is just the place to indulge those post lunch or 4 p.m. truffle cravings that are best washed down with a steaming mug of hot chocolate with lovely marshmallows floating in it.Where’s the party tonightHead to Republic of Noodles for Southeast Asian cuisineWhen the sun takes siesta, Goa comes alive to claim its well-earned title of being a hedonistic heaven and manages to come up with interesting options throughout the year. A nightclub that is becoming a destination of its own thanks to the mind boggling variety of cocktails and other heady libations is ‘The Nightclub in the Sky’ Club Cubana in Arpora at north Goa. Recently voted India’s best nightclub, Club Cubana is legendary for its Bikini Friday nights that draws the bold and beautiful in droves who party till they are ready to drop. Another Yber-popular joint is Mambo’s on Baga beach that has recently gone in for a great new overhaul. This open-air club is one of the most happening places in north Goa, and spending a few hours on a Saturday night at Mambo’s is a match made in party heaven.Fine dining at the beach during sunset makes for a picutre perfect settingFor the last couple of months a quiet riot of sorts has been taking place every Saturday night at Neptune’s Point in south Goa’s idyllic Palolem beach. As India’s only silent party where revellers don a pair of headphones that are tuned to the frequency of the DJ’s console and groove to music that only they can hear, this is Goa’s answer to the legendary headphone parties that originated in another party capital of the world-Ibiza. Alarming, though, the sight may be of hundreds of people dancing to zilch sound, this is one of the most fun new things to do in Goa.Be GameWater sports on Anjuna beachAs the only Indian state to legalise gambling, Goa’s casino scene is slowly but surely throwing up some interesting options for punters to part with or earn cash. Not far from Panjim, the Chances Casino is situated at Vainguinim Valley Resort in the scenic Vainguinim Valley. This 24-hour casino features American roulette, poker and 35 slot machines and is a big draw for tourists.Goa promises you a new journey every time you visit it. Brace yourself as this temptress embraces you with a vice-like grip that will leave you breathless and satiated!advertisementadvertisement Fact fileClub Fresh Resort H. No. 782, Gawdewado, Morjim Beach; tel: (0832) 645 0599Casa dos Colacos Bernardo Da Costa Road, Margao, Salcette; www.casadoscolacos.comThe lovely Casablanca beachside resort at CandolimCasablanca Wadi Candolim, Candolim, Bardez; tel: (0)93225 09495; www.casablancagoa.comArjun Khanna’s boutique Vespa Rodriguez, Bungalow no. 5/67, Donvaddo, Saligaon, BardezArte e Mobilia Rebelo’s Arte e Mobilia Rebelo Building, first floor, Panjim; tel: (0) 98231 00400Ernestos Ernesto’s House 6/49, Mala, Panjim; tel: 325 6213Republic of Noodles Amarante Beach Resort, Vadi, Candolim; tel: 248 9600Cafe Chocolatti Goa Centre for the Arts, 63/C-8, Altinho, Panjim; tel: 242 1311; www.sgcfa.orgClub Cubana Arpore Hill, Arpora, Calangute; tel: (0) 98235 39033; www.clubcubanagoa.netMambo’s Tito’s Lane, Saunta Vaddo, Calangute Road, Baga; tel: 227 5028Neptune’s Point Palolem Beach; tel:(0) 919730 935334Chances Casino 184/189, Machado’s Cove, Dona Paula; tel: 245 2201last_img read more

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Naomi Osaka advances in straight sets at Indian Wells

first_imgCollins struggled with her serve throughout the match, committing seven double faults and connecting on just 47 percent of her first serves.Osaka’s first-serve percentage was 66 and she won 70 percent of her first-serve points.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSUrgent reply from Philippine ‍football chiefSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption charges“In the first set I was just really flat-footed. I didn’t feel like I was moving well at all,” Osaka said. “Then I just tried to really hype myself up. My mindset was just to keep trying to get my feet moving and stay pumped up and positive.”Osaka won her first career title at Indian Wells a year ago, propelling her to a career-best year in which she defeated Serena Williams for the U.S. Open title. She began this year winning the Australian Open and moving to the top of the rankings. After that triumph, she fired her coach and lost in the first round in Dubai before taking on a new coach, Jermaine Jenkins. Miomir Kecmanovic, a lucky loser from Serbia, got past No. 30 Laslo Djere 6-2, 7-6 (3).Sports Related Videospowered by AdSparcRead Next Ranked 36th in the world, Venus Williams endured three sets in her first two matches. She rallied past Andrea Petkovic in the opening round and followed up by outlasting No. 3 seed Petra Kvitova in a third-set tiebreaker.Kvitova had made the finals in two of her first three tournaments this year.Williams, who made the semifinals in the desert last year, was playing McHale for the first time. Williams rallied from early breaks down in both sets to win.“I never played her, so it’s also you’re out there learning,” Williams said.Fifth-seeded Karolina Pliskova eased past qualifier Ysaline Bonaventure 6-3, 6-2. No. 8 Angelique Kerber outlasted qualifier Natalia Vikhlyantseva 3-6, 6-1, 6-3 and No. 9 Aryna Sabalenka defeated 24th-seeded Lesia Tsurenko 6-2, 7-5.Two seeded women lost: No. 11 Anastasija Sevastova, who retired trailing 5-0 in the first set against No. 21 Anett Kontaveit, and No. 15 Julia Goerges, who lost to Mona Barthel 7-5, 1-6, 6-4.On the men’s side, No. 3 Alexander Zverev lost to German countryman Jan-Lennard Struff 6-3, 6-1.Playing just his third tournament of the year, Zverev said he’s been sick for a week.“That hasn’t changed, unfortunately,” he said.Dominic Thiem, seeded seventh, defeated No. 27 Gilles Simon 6-3, 6-1. No. 13 Milos Raonic got a challenge from American qualifier Marcos Giron before winning 4-6, 6-4, 6-4. View comments SEA Games hosting troubles anger Duterte Naomi Osaka, of Japan, returns a shot to Danielle Collins at the BNP Paribas Open tennis tournament Monday, March 11, 2019, in Indian Wells, Calif. (AP Photo/Mark J. Terrill)INDIAN WELLS, California— Naomi Osaka rolled past Danielle Collins 6-4, 6-2 in the third round of the BNP Paribas Open on Monday night, keeping the world’s No. 1 player on track to defend her title.Novak Djokovic, the top-ranked men’s player, held serve to win his opening game against Philipp Kohlschreiber in their night match. The German owned the advantage on his serve in the second game before rain began falling. The match was later suspended for the night.ADVERTISEMENT PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss LATEST STORIES 1 dead, 3 injured in Quezon road crash Trump campaign, GOP groups attack Google’s new ad policy “It is different from last year, but I think I am getting used to it,” Osaka said. “I have been practicing on Court 3 for the past few days, and I’m really grateful there is a lot of people that come out and watch. I try to sign all of the signatures.”Venus Williams is turning back her own clock, moving into the fourth round with a 6-2, 7-5 victory over qualifier Christina McHale.Williams is seeking her 50th career WTA Tour title in the desert, where she has never won the event. And at 38, she’s showing vintage form.“I don’t really play that often, so when I do, I need to play well,” she said. “It’s extra motivation for me to play just a little bit better out there.”Serena Williams, a two-time champion at Indian Wells, retired from her match on Sunday because of a viral illness.ADVERTISEMENT Urgent reply from Philippine ‍football chief Lou Williams becomes NBA bench points leader in Clippers’ rout of Celtics MOST READ Private companies step in to help SEA Games hosting P2.5 B shabu seized in Makati sting, Chinese national nabbed Don’t miss out on the latest news and information. Hong Kong tunnel reopens, campus siege nears end Lacson backs proposal to elect president and vice president in tandemlast_img read more

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10 months agoTottenham midfielder Dele Alli delighted with victory at Tranmere

first_imgTottenham midfielder Dele Alli delighted with victory at Tranmereby Paul Vegas10 months agoSend to a friendShare the loveTottenham midfielder Dele Alli was delighted to lead them to FA Cup success at Tranmere Rovers.Spurs left Merseyside with a 7-0 win last night, Fernando Llorente hitting hat-trick.”We all enjoy playing together, we all want to play the same way and we know the philosophy we have here,” he said. “We all want to get the ball up high, move it quickly, interchange and make it difficult for the other team. We did that today.”We’re all happy for Fernando (Llorent) because he works so hard, he came in, took his chance and scored a hat-trick – he couldn’t do more.” About the authorPaul VegasShare the loveHave your saylast_img read more

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20 days agoLeicester boss Rodgers leaps to defend Choudhury

first_imgLeicester boss Rodgers leaps to defend Choudhuryby Paul Vegas20 days agoSend to a friendShare the loveLeicester City boss Brendan Rodgers has leapt to the defence of Hamza Choudhury after his tackle on Liverpool striker Mohamed Salah.Salah was forced off minutes before the the end of the Reds’ dramatic 2-1 Premier League win at Anfield on Saturday after being caught on the left ankle by a poor challenge from Choudhury.“I don’t think it was a really bad challenge,” said the former Liverpool boss. “Mohamed Salah is coming inside and the speed he travels and Hamza is coming back.“I have tried to look at it but the camera is quite a way away. The emotion of the game, it might seem worse than it was.“He is an honest boy, Hamza, he makes challenges but I don’t think there was anything malicious.” About the authorPaul VegasShare the loveHave your saylast_img read more

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Video: Watch Ohio State Linemen Brandon Bowen And Rashod Berry Go At It In An Intense 1-On-1 Drill

first_imgOhio State's players walking onto the field.COLUMBUS, OH – NOVEMBER 03: A general view as the Ohio State Buckeyes enters the field before the game against the Wisconsin Badgers on November 3, 2007 at Ohio Stadium in Columbus, Ohio. Ohio State defeated Wisconsin 38-17. (Photo by Jonathan Daniel/Getty Images)Spring football is underway in Columbus, and today Ohio State linemen took part in some intense one-on-one drills. OSU posted video of offensive lineman Brandon Bowden going against Rashod Berry, who recently moved from tight end to defensive line. Things are getting pretty intense already for the Buckeyes.According to the caption, Bowden was given the win, but Berry, who was giving up about 75 pounds in the matchup, seemed to hold his own as well.More: Vote In Our “Most Annoying People In Sports Media” Bracket >>>last_img read more

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SaskEnergy natural gas rate lowest in almost two decades could go lower

first_imgREGINA – Saskatchewan homeowners and businesses are starting November with a drop in their natural gas rates to the lowest level in almost two decades.The government says SaskEnergy’s commodity rate sits at $2.95 a gigajoule, the lowest rate offered to customers since 1999.A 70-cent reduction was granted SaskEnergy as an interim rate.The Crown utility has applied to the Saskatchewan Rate Review Panel for another 30-cent drop to $2.65 a gigajoule, which would come into effect April 1.Bronwyn Eyre, minister responsible for SaskEnergy, says the rate reduction could be wiped out if the federal government imposes a carbon tax on the province.Saskatchewan opposes the tax that Ottawa says it will levy in April on all provinces who don’t come up with their own price on polluters that must meet federal standards.last_img read more

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