Since most homeowners insurance doesn’t cover flood damage, it’s important to get supplemental coverage. The best forecast for the 1999 hurricane season predicts 14 tropical storms, the same number as in 1998 (see tracking map), when the U.S. mainland was spared the awesome destruction of Hurricanes Georges and Mitch. While the destruction from tropical storms along the coast is well known, all of Georgia is vulnerable to the power of these storms. This includes metro Atlanta and the mountain counties. You can get flood insurance from the federal government. But don’t wait, since it normally takes 30 days for a flood insurance policy to become active. Contact your insurance agent or the Federal Emergency Management Agency Web site for details. Tornadoes Widespread Threat Along the coast, the storm surge is the major concern. The shape of the Georgia coast makes it vulnerable to very high storm surges — much greater than North Carolina would have for the same strength storm. High winds, tornadoes and flooding due to heavy rainfall are other threats to the coastal region. Later that year, Tropical Depression No. 10 brought high winds, heavy rain, tornadoes and flooding to 13 coastal and southeast Georgia counties. Flooding Imperils Inland Highly respected hurricane expert William Gray of Colorado State University expects an active hurricane season. Gray’s forecast is for 14 tropical storms, with nine reaching hurricane status. Four are forecast to become intense hurricanes with sustained winds above 111 miles per hour. Storm Surge Deadly at Coast Tropical storm-strength winds can reach hundreds of miles from where the storm makes landfall. Hurricane Hugo caused extensive wind damage in Charlotte, N.C., and beyond. As a tropical storm moves inland, tornadoes are common. An outbreak of tornadoes can and does occur before a storm makes landfall. As the storm moves inland, the entire state can become subject to tornadoes. A NOAA weather radio is a good addition to a weather preparedness kit. The sign on the roof says it all. Away from the coast into the piedmont and mountains, flooding is the major concern. Interior flooding can cause more damage statewide than the damage on the immediate coast. All Georgians living along the coast should know their county’s emergency plan, including evacuation routes and the locations of approved shelters. Contact your county emergency management agency now for this important information. Don’t wait until a tropical storm threatens. ATHENS, Ga. – From Lookout Mountain to the Golden Isles, all Georgians need to prepare for hurricane season. The Georgia Emergency Management Agency has a brochure, “Increasing Hurricane Awareness.” You can get it through your county emergency management agency. Contact information for county emergency management agencies is on the Web at www2.state.ga.us/GEMA/broadcast/emafram.htm. Yours is listed in your phone book, too. Ten years ago this September, Hurricane Hugo brushed Georgia while slamming into Charleston and laying waste to South Carolina. (Full-size image) Photo: National Hurricane Center The Federal Emergency Management Agency has several Web pages devoted to weather disaster mitigation and preparedness. You can find valuable information at the FEMA tropical storm site. FEMA also has many tips for hurricane preparedness. Other sites tell how to protect your property from flooding and how to protect your business. Image: National Hurricane Center Since 1990, Georgia has had three Presidential disaster declarations as the result of tropical weather. Hurricane Camille, which hit the Mississippi Gulf coast in 1969, caused massive property damage and the loss of many lives in the mountains of Virginia. In 1994, Tropical Storm Alberto brought torrential rain, high winds, tornadoes and major flooding to 55 counties from southwest Georgia to the southern counties of metro Atlanta. FEMA has a free publication, “Repairing Your Flooded Home” (FEMA-234), on flood mitigation and repair. Another, “Taking Shelter From the Storm” (FEMA-320) suggests how to reinforce your home for high winds. Get these and other publications from FEMA Publications at 1-800-480-2520. Ample information is available on preparing for the tropical storm season. Web Information Sites Hurricane Opal brought high winds, heavy rain and tornadoes to 50 counties, from the west central area to the north Georgia mountains, in 1995. In 1992, Hurricane Andrew showed graphically the destructive power of a major hurricane when it devastated south Florida. Since then, three tropical storms have brought widespread damage to Georgia. The peak months for tropical storms are August and September. As we enter these peak months, all Georgians should have finished their prestorm-watch preparations. 14 Storms in Forecast Photo: National Hurricane Center
Lake Champlain Land Trust Earns National Recognition-Accreditation Awarded by the Land Trust Accreditation Commission-(Burlington, VT) -The Lake Champlain Land Trust is the first land trust in Vermont to be officially accredited by an independent commission of land conservation experts, one of just 39 out of 1,700 land trusts nationwide. “Accredited land trusts meet national quality standards for protecting important natural places forever,” said Commission Executive Director Tammara Van Ryn. “The accreditation seal lets the public know that the accredited land trust has undergone an extensive, external review of the governance and management of its organization and the systems and policies it uses to protect land.””The Lake Champlain Land Trust’s accredited status demonstrates our commitment to permanent land conservation using the best practices and methods,” says Chris Boget, Executive Director. “Our land trust is extremely proud to announce that we meet national standards for excellence.”The Lake Champlain Land Trust has been conserving the islands, lakeshore and natural areas of Lake Champlain since 1978. Thanks to its supporters, the Lake Champlain Land Trust is celebrating 30 years of partnering with local communities to save the important places along Lake Champlain. The Lake Champlain Land Trust has conserved more than 4,000 acres of land, 16 islands, and 16 miles of Lake Champlain shoreline. Over the years, the Lake Champlain Land Trust has safe-guarded an impressive inventory of land for public parks, beaches, hiking trails and wildlife habitats including critical conservation projects such as: Eagle Mountain Natural Area in Milton, Knight Island State Park in North Hero, Rossetti Beach in Colchester, Round Pond Natural Area in South Hero, and Split Rock Mountain in New York.The thirty-nine land trusts were awarded accreditation as part of the inaugural group at a special ceremony at the National Land Conservation Conference in Pittsburgh, PA last week.Chris Boget also noted, “We are proud to display the accreditation seal as a mark of excellence in our successful work conserving the lakeshore and natural areas of Lake Champlain. We welcome landowners and members to join us as we work to protect Lake Champlain for future generations.”About the Lake Champlain Land TrustFor more information, visit www.lclt.org(link is external) .
11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr When it comes to mortgage marketing agreements, be afraid, be very, very afraid. That’s my takeaway from a memo released by the CFPB yesterday.Using less subtlety than Donald Trump at a press conference, the Bureau that Never Sleeps released a compliance bulletin stressing that it is deeply concerned about the repeated use of marketing agreements that violate RESPA’s ban on kickbacks in return for mortgage business. In the memo, it stresses that it has discovered repeated instances of marketing agreements being used to circumvent RESPA’s ban.Anyone involved with a marketing agreement would be well advised to make sure that it is complying with the law both on paper and in practice. As the Bureau explains, “any agreement that entails exchanging a thing of value for referrals of settlement service business involving a federally related mortgage likely violates RESPA whether or not an MSA or some related arrangement is part of the transaction.” As a result, it is not enough to simply have a marketing agreement in place, you have to be able to demonstrate that it does not result in payments for work not performed or otherwise tied to the volume of business generated by the agreement. continue reading »
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr A question is getting asked these days that you probably never thought would be on the minds of credit union executives: should we get involved in cannabis banking?Even 10 months ago it was a topic broached only by the boldest financial institutions. Why? Because one recent US Attorney General had been adamant that marijuana is against federal law, period. And, although his successors have been vaguer about marijuana, the volatile character of the current White House gave pause to many in financial services.In a worst-case scenario, the whole of an institution’s assets possibly could be tied up over a single, small cannabis business, and who needs that?Not too many, in fact. For the quarter ending in March 2020, just 710 banks and credit unions reported serving marijuana businesses, down from 739 for the quarter ended in December 2019.With about 10,000 banks and credit unions in the US, that means 93% percent say no thanks. continue reading »
“We are not alone in this battle. We have a God whom we might have disregarded and overlooked due to the haste of our modern lives and love of self,” says Gov. Eugenio Jose Lacson of Negros Occidental. PNA-BACOLOD FILE PHOTO He added “obviously there’s somethingwrong” since the fund has been reduced to only half a billion by the Departmentof Budget and Management (DBM). “Whatever body is formed that willhandle the SIDA (Sugar Industry Development Act) is good. They’ve always toldus the sugar industry seems not ready to manage a P2-billion fund,” Lacson saidon Monday. “If this new body will assure that thefunds allocated for the sugar industry will be used then it’s okay. I reallydon’t know (why they were not able to fully utilize it). Only the Sugar RegulatoryAdministration (SRA) can answer that,” he said. During her visit to Negros Occidentallast Friday, Sen. Cynthia Villar, chair of the Senate Committee on Agriculture,said she was pushing for the creation of a national sugar program to besupervised by the Department of Agriculture to ensure the industry developmentfund will be fully utilized. BACOLOD City – Gov. Eugenio JoseLacson of Negros Occidental welcomed a proposal to create a national sugarprogram that will manage the use of the P2-billion annual development fund forthe sugar industry. Known as the country’s sugar capital,Negros Occidental produces almost 60 percent of the country’s sugar output. The SIDA, which was enacted in 2015,provides a funding of P2-billion per year. The P2-billion annual fund includesallocation of P1 billion for infrastructure for farm-to-mill roads; P300million for credit; P100 million for scholarships: P300 million for block farmof the land reform beneficiaries; and P300 million for shared facilitiesprogram. The alleged failure of the SRA tofully utilize the fund in the previous years has prompted the DBM to reduce thebudget to only P500-million this year, Villar said. SIDA or Republic Act 10659 seeks to promotethe competitiveness of the sugarcane industry and maximize the utilization ofsugarcane resources, and improve the income of farmers and farmworkers, throughimproved productivity, product diversification, job generation, and increasedefficiency of sugar mills.(With a reportfrom PNA/PN)
JR Hildebrand (left) and Ed Carpenter (right) after Day 1 of Qualifying for the 98th running of THE Indianapolis 500.Today was full of fast speeds on the oval, and a little confusion on the sidelines.The qualification format is different this year; so different that even the drivers and engineers aren’t quite sure how it will work out tomorrow. What is certain is that there will be two shootouts on day 2 of qualifying. The fun will begin with the cars in positions 10-30 from today re-qualifying in the first shootout to determine their final pole positions.Then, the cars in the 1-9 positions will compete in the second shootout. They’ll start with the car in 9th, JR Hildebrand’s #21, and work the way to the top of the list, Ed Carpenter’s #20. Each car will get to make one qualifying round of laps, which will determine the final pole positions for race day.The only positions that were determined today are numbers 31-33, belonging to Alex Tagliani, Martin Plowman, and Buddy Lazier, respectively.The shootouts tomorrow are sure to be eventful, and there should be cars that move positions. Rain delays and cancelled practices this past week meant that the cars and drivers weren’t quite tuned in as well as hoped, and many were still using today’s qualifying laps much like they would practice laps. Results of qualifying Saturday for the 98th Running of the Indianapolis 500 Mile Race Verizon IndyCar Series (Rank, car number in parentheses, driver, chassis-engine, time and speed in parentheses):1. (20) Ed Carpenter, Dallara-Chevy, 02:36.0735 (230.661)2. (34) Carlos Munoz, Dallara-Honda, 02:36.2090 (230.460)3. (3) Helio Castroneves, Dallara-Chevy, 02:36.2286 (230.432)4. (27) James Hinchcliffe, Dallara-Honda, 02:36.2452 (230.407)5. (12) Will Power, Dallara-Chevy, 02:36.3022 (230.323)6. (25) Marco Andretti, Dallara-Honda, 02:36.4306 (230.134)7. (77) Simon Pagenaud, Dallara-Honda, 02:36.4741 (230.070)8. (67) Josef Newgarden, Dallara-Honda, 02:36.4993 (230.033)9. (21) JR Hildebrand, Dallara-Chevy, 02:36.5032 (230.027)10. (26) Kurt Busch, Dallara-Honda, 02:36.5493 (229.960)11. (28) Ryan Hunter-Reay, Dallara-Honda, 02:36.5904 (229.899)12. (98) Jack Hawksworth, Dallara-Honda, 02:36.6471 (229.816)13. (2) Juan Pablo Montoya, Dallara-Chevy, 02:36.6681 (229.785)14. (19) Justin Wilson, Dallara-Honda, 02:36.7821 (229.618)15. (9) Scott Dixon, Dallara-Chevy, 02:37.0111 (229.283)16. (7) Mikhail Aleshin, Dallara-Honda, 02:37.1426 (229.091)17. (8) Ryan Briscoe, Dallara-Chevy, 02:37.3252 (228.825)18. (14) Takuma Sato, Dallara-Honda, 02:37.3522 (228.786)19. (83) Charlie Kimball, Dallara-Chevy, 02:37.4043 (228.710)20. (15) Graham Rahal, Dallara-Honda, 02:37.4364 (228.664)21. (22) Sage Karam, Dallara-Chevy, 02:37.4460 (228.650)22. (6) Townsend Bell, Dallara-Chevy, 02:37.5435 (228.508)23. (10) Tony Kanaan, Dallara-Chevy, 02:37.5944 (228.435)24. (11) Sebastien Bourdais, Dallara-Chevy, 02:37.6265 (228.388)25. (63) Pippa Mann, Dallara-Honda, 02:37.6474 (228.358)26. (17) Sebastian Saavedra, Dallara-Chevy, 02:37.6917 (228.294)27. (5) Jacques Villeneuve, Dallara-Honda, 02:37.7766 (228.171)28. (33) James Davison, Dallara-Chevy, 02:37.7912 (228.150)29. (16) Oriol Servia, Dallara-Honda, 02:37.8713 (228.034)30. (18) Carlos Huertas, Dallara-Honda, 02:37.9011 (227.991)31. (68) Alex Tagliani, Dallara-Honda, 02:38.0246 (227.813)32. (41) Martin Plowman, Dallara-Honda, 02:38.5601 (227.043)33. (91) Buddy Lazier, Dallara-Chevy, 02:38.9102 (226.543) Sunday, May 18th Armed Forces Pole Day Schedule:7:00 a.m. Public Gates Open8:30 a.m. Verizon IndyCar Series Practice Begins9:00 a.m. IMS Midway Open9:30 a.m. Verizon IndyCar Series Practice ConcludesSam Schmidt Event Begins9:45 a.m. Enlistment Ceremony Begins – Plaza Stage10:15 a.m. Enlistment Ceremony Concludes – Plaza Stage11:00 a.m. Verizon IndyCar Series Group 1 Qualifying (Positions 10 – 33, each driver will make one attempt)Rapid Fire Concert Begins – Plaza StageNoon Rapid Fire Concert Concludes – Plaza Stage12:15 p.m. American Dairy Pin Distribution Begins – Pagoda Plaza1:15 p.m. American Dairy Pin Distribution Concludes – Pagoda Plaza Qualifying Pre-Race Show Begins – Pagoda Plaza Stage2:00 p.m. Verizon IndyCar Series Fast 9 Qualifying Begins Qualifying Pre-Race Show Concludes – Pagoda Plaza Stage2:45 p.m. Verizon IndyCar Series Fast 9 Qualifying Concludes3:00 p.m. Verizon Pole Award Celebration4:00 p.m. IMS Midway Close – Public Gates Close
Former Newcastle and England star Peter Beardsley has admitted he could not have coped with the injury nightmare from which Ryan Taylor is only just emerging. Football development manager Beardsley told the club’s official website, www.nufc.co.uk: “What he’s gone through, I couldn’t have coped with – I genuinely couldn’t. “I’m not just saying that. He’s a proper man. “The club has been great, the doc’s been great, Derek (Wright, physio) has been great. He’s had lots of people there encouraging him, but he’s still got to do the work. “As much as we try to help him, he’s the one who’s done the work and deserves all the credit.” Taylor suffered the initial injury in a 1-0 Europa League qualifying victory over Greek side Atromitos at St James’ Park on August 30, 2012, and was on the verge of a comeback in the April of the following year when disaster struck once again as he suffered a recurrence on the training ground. He will now hope to force his way into manager Alan Pardew’s plans once again with Newcastle having endured a testing start to a season which yielded its first Premier League victory at the weekend. Beardsley said: “What he’s done and what he’s gone through, the hard work, the hours that nobody sees – it’s incredible what he’s come through and hopefully he’s not far away from playing in the first team.” Pardew, however, may have to wait a little longer for £6million summer signing Siem de Jong after he revealed he could be out of action for another two months. The 30-year-old Magpies utility man is nearing a return to first-team action after more than two years on the sidelines following two cruciate ligament injuries. Taylor scored a penalty in Monday’s 3-1 Barclays Premier Under-21 League victory over Brighton, his first full game since August 2012. Press Association The 25-year-old Holland international suffered a serious thigh injury just three games into his Magpies career and while he is making progress, he will not figure any time soon. De Jong said in a message posted on his Facebook page: “On my way back to Newcastle. Just saw the surgeon in London and all looks good. “I can slowly start building up strength again and start walking without crutches. Still a couple of months to go but I’m going to work hard and I’m sure I will get back stronger!”
Chelsea manager Jose Mourinho believes “every player has a price” and he would sell an unhappy squad member. Mourinho understands the approach of Rodgers and Liverpool, but would treat the situation differently, just as he did when Zlatan Ibrahimovic wanted to leave Inter Milan for Barcelona. “I don’t like players that don’t want to play for me and my club, clearly,” said Mourinho, speaking ahead of the Barclays Premier League leaders’ clash with Stoke. “Every player has a price. It doesn’t matter which player. “If you ask me now, for example, Eden Hazard; we can speak about him because he’s signed a new contract. “Do I want him to leave Chelsea? No. If he wants to leave, if he doesn’t want to work with me, if he doesn’t want to play for Chelsea, does Eden Hazard have a price? I think he has a price. “He’s the best player in the Premier League, so I go to the best as an example.” Mourinho, though, stressed the final decision was with the club. He added: “I also understand the philosophy of managers and clubs who want to keep the players at any price, who want just to say, ‘there is no price to sell – the player stays, whatever’. Mourinho used Chelsea forward Eden Hazard, who recently signed a new contract until 2020, as a hypothetical example when Raheem Sterling’s situation at Liverpool came up on Friday. Liverpool boss Brendan Rodgers this week insisted Sterling was not for sale after talks over the England forward’s contract reached an impasse. “My philosophy is not better than that – it’s just different. “Either way when a player has a contract with a club, the club, the manager and the board have the power to decide what to do. “The club that sells is in control – not the club that buys, not the player, not the agent, not the cousin.” Mourinho could be faced with a difficult decision himself this summer as Petr Cech voiced his frustrations with being second-choice goalkeeper at the club after a decade as number one. The Portuguese, who brought Cech to Chelsea from Rennes in 2004 and made him first choice, suggested the Czech Republic international will have a say in his future. “Petr Cech is not a player – he’s an institution,” Mourinho said. “Ten years in goal, going through everything he went through, great moments and sad moments, dying on the pitch. “Chelsea gave him a lot, but for what he is giving to the club still, he deserves a special perspective. “I think he won the right to be part of a discussion and a decision.” Cech’s possible farewell could come in Japan, with Chelsea considering a post-season tour should they win the Premier League. Japan “would make some sense” as a destination after Yokohama Rubber became their shirt sponsor from next season on a five-year deal. “We’ll go on an after-season tour,” Mourinho added. “It’s something we are thinking about, as a good way to celebrate.” Chelsea play Sunderland in the final Premier League game of the season on May 24 and the tour could take place the following week. Brazilians Oscar, Ramires, Filipe Luis, Willian and Colombia’s Juan Cuadrado could all miss the tour as the Copa America starts on June 11 and players must be made available 14 days before. Players must be released 48 hours before friendlies and four days before qualifying matches, as Euro 2016 matches must be considered. “Mr Bruce Buck (the Chelsea chairman) and the board are talking with me,” Mourinho added. “We want to go somewhere where people are enthusiastic to have a club like Chelsea. “But now we have nine (Premier League) matches to play.” Press Association
A Jacksonville sheriff’s sergeant has been suspended from his post after he allegedly began selling police issued gear on eBay.According to The Florida Times-Union, Jacksonville Sheriff’s Sgt. Richard E. Vercruysse was suspended after an internal review found he made $60.50 by selling a police issued gun belt, a double magazine holder, and a badge wallet.Officials reported that all of the items sold were issued to Vercruysse for his job and were expected to be returned after he resigned or retired.Vercruysse has been suspended from his post for at least 45 days though it is unclear if authorities will revisit the issue.All of the items were sold to a user who goes by the nickname milkman25. It is also unclear if authorities have or will be able to recovered the items.
TAROUBA, Trinidad (CMC) – Jason Mohammed’s 11th first-class hundred put Barbados Pride’s five-game winning streak under threat as Trinidad and Tobago Red Force took command of their seventh round encounter here yesterday.Trailing by 21 runs on first innings after Pride were dismissed for 260 early in yesterday’s penultimate day, Red Force produced one of their best batting efforts of the Regional Four-Day campaign to pile up 343 for nine in their second innings, with Mohammed hammering a classy unbeaten 113.Barbadian Kyle Hope chipped in with 67 at the top of the order and Akeal Hosein stroked a better than run-a-ball 55, as the hosts pressed home their advantage to take a 322-run lead into today’s final day at Brian Lara Stadium.Red Force have not won in the championship since they beat Leeward Islands Hurricanes in the second round, suffering two defeats and stalemates in the last four fixtures.Seeking to break that poor run of form, they needed just 10 balls to wrap up the Pride innings as the visitors added only six runs to their overnight 254 for nine.Fast bowler Anderson Phillip added the wicket to fall to his tally to end with six for 59.Hope then provided the early impetus for Red Force in an innings requiring 126 balls in just over 2-½ hours and including 11 fours.He put on 45 for the first wicket with debutant Cephas Cooper (14) and then added a further 34 for the second with Isaiah Rajah who spent nearly 50 minutes over three, as Red Force reached lunch on 88 for two.Cooper fell softly after facing 37 balls in an hour at the crease, clipping an ordinary full-length delivery from medium pacer Kyle Mayers to short mid-wicket while the left-handed Rajah played down the wrong line to off-spinner Ashley Nurse (4-70) and was trapped lbw.After the break, Hope extended his third-wicket stand with Mohammed to 45 before finally perishing in the seventh over, following the resumption, bowled by one from left-arm spinner Jomel Warrican (2-69) that spun past his defensive prod and rocked off-stump.Unbeaten on nine at lunch Mohammed, took charge for Red Force, punching 15 fours off 221 balls in 4-½ hours at the crease.He posted significant partnerships of 46 for the fifth wicket with Jyd Goolie (16) and 86 for the seventh with Hosein, who belted seven fours in a 52-ball cameo.On 62 at tea with Red Force on 200 for five, Mohammed reached his landmark in the final hour when he drove fast bowler Chemar Holder crisply to the straight boundary.