Branching: Location…location…which location?


first_imgU.S. Consumers and the Branch. There is no denying that the number of branches in operation today is less than before the great recession. However, simply pointing out there are fewer branches is only part of the story. For example, when you consider a recent a IMF study, the number of branches is rising.Per their research, the peak of branches per capita was 35 branches in 2009. The low point was 33 in 2014 – the same level as 10 years earlier. But in 2015, the number of branches per 100,000 started rising again.Let’s Talk about the S-Word. So instead of another article focusing on if the branch is important, let’s talk about one of the key steps in making sure when you do branch – you get what you want. Let’s talk about Site Selection.Good to Great: Site SelectionFirst Things First. The first step in site selection is not the real estate procurement, but establishing the business case. Site selection is the marriage of market analysis and real estate procurement. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

New 330 and 330 GC Excavators from CAT


first_imgImage source: CATCaterpillar has just introduced the Next Generation 30-ton size class excavators – the 330 and 330 GC.According to the Illinois headquartered manufacturer of construction and mining equipment, the new excavators will increase operating efficiency, lower fuel and maintenance costs, and improve operator comfort compared to previous models.“Integrated Cat Connect Technology increases operating efficiency by up to 45 percent over traditional grading operations,” said Caterpillar.“The standard Cat GRADE with 2D system provides guidance for depth, slope, and horizontal distance to grade through the standard touchscreen monitor, making operators more accurate. The system is readily upgradable to Cat GRADE with Advanced 2D or Cat GRADE with 3D. Standard Grade Assist automates boom, stick, and bucket movements so operators can effortlessly stay on grade with single-lever digging.”By design, Cat Next Generation excavators consume less fuel per unit of work than the models they are replacing — up to 20 percent for the 330 compared to the 330F and as much as 15 percent for the 330 compared to the 330D2.The Cat 330 has a larger, 6700-kg (14,770-lb) counterweight, which enables the excavator to lift nearly 10 percent more than the 330F and up to 15 percent more than the 330D2. With increased swing pressure, a larger swing drive, and larger swing bearing, the Cat 330 delivers five percent more swing torque over the previous series, making backfilling and lifting on slopes easier.last_img read more

Lampard sees positives as Chelsea miss out on Super Cup


first_imgFrank Lampard fell just short of winning silverware in just his second match in charge of ChelseaIstanbul, Turkey | AFP |  Coach Frank Lampard took great encouragement from Chelsea’s display in the UEFA Super Cup in Istanbul on Wednesday, despite the disappointment of losing on penalties to English rivals Liverpool.“I think we can get better, there are things I still want us to improve on in terms of how we play slightly, but I am really happy with the performance,” said Lampard after Chelsea held the European champions to a 2-2 draw after extra time, only to lose 5-4 in the shoot-out.“To lose the game was disappointing but if it means Chelsea’s season can be something like how we played today, we’ll be OK.”Chelsea took the lead in Istanbul through Olivier Giroud, but Sadio Mane’s equaliser meant the match at the home of Besiktas went to extra time.The Senegal star then put Liverpool in front in the 95th minute, only for a Jorginho penalty to restore parity again.The decisive moment came after nine successful spot-kicks when Tammy Abraham’s effort was saved by Adrian.However, Chelsea were a match for Jurgen Klopp’s team for long spells and Lampard believed they were moving in the right direction after his first competitive game at the helm ended in a 4-0 defeat to Manchester United.“You know Liverpool have got to where they have got, and I have complete respect for Jurgen Klopp,” said Lampard.“I am a new manager who’s been here for six weeks or so, and what I saw today were things that I want in the team.– Abraham ‘will come back stronger’ –Lampard had already twice been on the losing side in the Super Cup as a player for Chelsea, including the 2013 shootout defeat to Bayern Munich. He admitted that having two days fewer to prepare had been a factor as the match went all the way. Chelsea played at Old Trafford on Sunday, two days after Liverpool beat Norwich City in their Premier League opener.“To have two more days recovery at this stage early in the season, it’s clear that it affects your preparation and it’s an advantage to them going in,” said Lampard, whose side next host Leicester City on Sunday.“But that said I think it happens a lot. I don’t want to look like I’m moaning, I’m delighted with our performance, we didn’t lose the game because of that but it was a bit frustrating.”Lampard said he had offered words of comfort to Abraham, the 21-year-old who has returned after a loan at Aston Villa with Chelsea unable to make new signings due to a transfer ban.Abraham had started against Manchester United but was on the bench at kick-off Wednesday before replacing Giroud in the second half.“He will come back stronger. It is part and parcel of being a player at a top level which is what Tammy now is.”Lampard was also delighted with the contribution of USA star Christian Pulisic, who made his full debut after signing from Borussia Dortmund in January.Not 21 until next month, Pulisic played 74 minutes and set up Giroud’s opening goal.“I think there’s a lot more to come. I think the expectation is right because he is a big signing for us, but we must also remember his age, he’s 20. I am really happy with him.”Share on: WhatsApplast_img read more

Personal Fireworks Not Allowed in Lacey and Olympia


first_imgThe cities of Lacey and Olympia remind residents and visitors that the sale and discharge of consumer (personal) fireworks are not allowed in either community. Novelty devices such as snakes, glowworms, and party poppers are permitted; however sparklers and all other types of fireworks are not. Fireworks purchased elsewhere, such as at tribal stands or fireworks sales booths in other communities, may not be used in Lacey or Olympia.A majority of voters in both communities approved propositions to ban consumer fireworks. Fireworks ordinances may be viewed on the cities’ websites:, and continues its tradition of kicking off the area’s Independence Day celebrations with the Lacey Fireworks Spectacular and Freedom Concert on Friday, July 3.The Freedom Concert begins at 6:30 p.m. at the Lacey Crossroads Shopping Center, 5500 Corporate Center Loop SE. The Fireworks Spectacular will be in the vicinity of William A. Bush Park, 4400 Chardonnay Drive NE, Lacey, beginning around 10:15 p.m.  A complete schedule of activities can be found here.Another area tradition is the Tumwater 4th of July Parade, Artesian Family Festival and Thunder Valley Fireworks Display on Saturday, July 4.Olympia’s fireworks show is later in July as the Grand Finale for the annual Capital Lakefair celebration, Sunday, July 19 in downtown Olympia at Heritage Park/Capitol Lake.Residents and visitors celebrating Independence Day are urged to do so in a safe and enjoyable manner that is within the law. With everyone’s cooperation, our residents and pets will be safe, and our fire and police responders can focus on non-fireworks emergencies. Facebook18Tweet0Pin0last_img read more

Update – Serious ATV accident in Fort Nelson


first_img– Advertisement -**Update – The RCMP have just released more information about this accident.  The ATV pictured above, will be inspected to ensure there was no mechanical defect or malfunction, which could have contributed to the crash.  The crash happened at 4:13pm on Saturday July 3.  Both of the people riding the ATV are still in hospital.  The 17 year-old male is in critical condition with head trauma, fractured pelvis and internal bleeding. He was flown out to Edmonton for further medical treatment and he remains in critical condition.The 17 year-old female is in serious condition with a badly fractured arm, fractured pelvis and some internal bleeding. She has also been medivaced from Fort Nelson for further medical treatment.The RCMP are looking to speak to witnesses or anyone who may have information about the two teens.  Contact the RCMP at 250-774-3883. Two people have serious injuries after an ATV accident in Fort Nelson.Advertisement Photo:  The Fort Nelson RCMP provided this photo of the accident.center_img is reporting that two young people driving an ATV collied with a work truck Saturday evening. The ATV was headed east bound on the frontage road in front of the Woodlands Inn when it collided with the truck.Both passengers of the ATV have been flown to a larger medical facility. The female on the back of the ATV is being treated for serious but non-life threatening injuries and the male is being treated for life threatening injuries.The RCMP have confirmed both aggressive driving and alcohol were involved in the incident and that the two people on the ATV were not wearing helmets.The Fort Nelson RCMP are still investigating the incident. Advertisementlast_img read more

Strike support

first_imgWest Hills Not about gender Re “Next U.S. president to be male” (Their Opinions, April 10): The comments of Mary Sanchez demonstrate the blindness of gender bigotry. My partners would not be happy if I decided to have my wife sit in on our board meetings. But they would not be happy if I decided to have my brother sit in on our board meetings, either. It is not about gender; it is about who the elected individual is. Until Judith Giuliani is elected president, she has no place in the Cabinet meetings. It is quite simple. Sanchez, don’t make an issue of something so mundane. – Patrick Weir Chatsworth Failing to understand Re “Iraq like `Nam all over again” (Their Opinions, April 9): What Rich Lowry, George W. Bush and their co-believers fail to understand is that this is not the kind of war our fathers and grandfathers fought with planes, tanks and guns. Due to a complete lack of understanding of the history of the region, our untutored leaders have immersed us in the midst of ethnic and religious rivalries between sects going back centuries. Loyalties are to sect, not to nation. The goal is domination, not democracy. Passions are for avenging grievances, recent and ancient. Trying to use World War II methods to change all this is like trying to drive a nail with a screwdriver, and doing more of what doesn’t work, but expecting the result to be successful, is a good definition of insanity. – Alan Pollack, M.D. Woodland Hills Boorish behavior Re “Mayans have right to beef with Mel” (Their Opinions, April 5): Ronald Nibbe defends the indefensible and in doing so sheds light on a problem at California State University, Northridge. The “in-your-face” hijacking of CSUN’s Department of Cinema filmmaking discussion with Mel Gibson by Alicia Estrada, head of the emerging Central American studies, is a disgrace. She should apologize for her boorish behavior. The Mayan culture was based on human sacrifice and was on the decline 600 hundred years before the Spaniards came. All human sacrifice ended when the Aztecs were defeated by Hernán Cortés in the 16th century. He could hardly have defeated the Aztecs with his band of 200. It was the natives who gladly helped the Spaniards when they realized they wouldn’t be food for the gods anymore. – Maureen C. Wiggins Lake View Terrace Another accident On Saturday night, another serious multivehicle accident with injuries occurred at the intersection of Reseda Boulevard and Rinaldi Street in Porter Ranch. This dangerous intersection, with its proximity to the 118 Freeway and to Rinaldi Park, has had more than its share of major accidents. The Los Angeles Department of Transportation needs to install four-way left-turn signals before someone else is injured or killed. – Hal Bass Porter Ranch160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! West Hills Driver’s license Re “Illegal immigrant suspect in fatal crash” (April 6): Please remind us again: Why should we give illegal immigrants driver’s licenses? Just another reason why we should not. – Nanette Svolos Re “County unions offer strike support” (April 10): Maria Elena Durazo, executive secretary of County Fed, will give support to grocery workers in the form of help with picket lines, demonstrations and food drives. Will union members do this while taxpayers foot the salaries for these workers? If so, apparently they have plenty of time to forgo their daily duties, so why are the taxpayers paying the salaries of these people who seem to have time for these activities while others have time to do their work? Seems to me there was a similar situation some time ago where county employees were caught aiding in an election campaign. – Joe McMillin last_img

What Makes Good Friday So Good?


first_imgLa Mirada films reinforces the victory of Christ over death in a series of educational, inspiring films.Why is it called “Good Friday” when it commemorates a brutal death of Jesus by crucifixion? La Mirada Films has beautiful short films explaining the significance of the passion of the Christ. These films are part of THE JOHN 10:10 PROJECT –I came that they might have life, and have it more abundantly –Jesus ChristIt’s Good Because It Was Prophesied:Seven short films in this section of The John 10:10 Project, PROPHECIES AND PROMISES, show that the events in Jerusalem that week happened just like they were predicted, hundreds of years before in the Old Testament. These events could not have been known in advance, nor could Jesus and the disciples have engineered them to fit the prophecies. Examine the evidence for yourself.It’s Good Because It Met Our Deepest Need:Watch “Is Christ the only way to God?” in this section called REACHING THE WORLD, then learn about THE UNIQUENESS OF JESUS and THE UNIVERSAL NEED of every person on the planet.It’s Good Because It Gave Us Evidence for Faith:In the section EVIDENCE FOR FAITH, the first nine short films help critical thinkers realize that Christianity is not just a religion, or the words of a great Teacher. It’s verifiable, historical fact.It’s Good Because It Gives Life Meaning:Because of Christ, we have hope. We can pray and expect that He hears and cares (see THE POWER OF PRAYER). The wonders of nature are not just impersonal awe-inspiring things (see AWESOME WONDERS); they are manifestations of creative power of a living God, who came to us and took our sins. Because of this, we can have hope even in the darkest hours (see FACING EVIL AND SUFFERING), because Christ Himself endured the worst day in history. The truth can set us free; it can help us live life more abundantly (John 10:10b), as Christ originally designed (see INSPIRATION AND DEVOTION).(Visited 207 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Justifying a corn fungicide application


first_imgShare Facebook Twitter Google + LinkedIn Pinterest Grey Leaf Spot and Northern Corn Leaf Blight were yield robbers in Ohio corn fields in 2014. Conditions so far this year are causing both of these diseases to show up again.Bill Mullen of Seed Consultants says a check of the fields will indicate what actions, if any, need to be taken, considering the current farm economics.last_img

Sunlight Foundation Releases Real-Time Congress API


first_imgThe Sunlight Foundation‘s Sunlight Labs made its Real Time Congress API available today. “The Real Time Congress API (RTC) is a RESTful API over the artifacts of Congress, kept up to date in as close to real time as possible,” the announcement says. Data is available in both JSON and XML.StreamCongress is already using the new API to stream floor updates.The the feeds currently available through the API are:Floor UpdatesVideosCommittee HearingsBillsAmendmentsVotesDocumentsThe Sunlight Labs Drumbone API is now deprecated. 7 Types of Video that will Make a Massive Impac… Growing Phone Scams: 5 Tips To Avoid Related Posts How to Write a Welcome Email to New Employees?center_img Tags:#APIs#hack klint finley Why You Love Online Quizzeslast_img

Solar Power Without Net Metering: Is It Worth It?


first_imgThe combination between solar panel installation costs, electricity rates, and market incentives offer a valuable alternative that allows you to save money on your utility bills and contribute in the fight against climate change. However, one of these elements appears to be at risk, according to latest events in some jurisdictions that seem to jeopardize the whole solar PV industry in the US. Net metering is a billing mechanism that offers the chance for those with photovoltaic systems installed on their homes to receive a credit for every kWh that is injected back to the grid, thanks to the installation of a bidirectional energy meter that runs backwards when excess solar power is generated. Despite the fact that the mechanism is not established at Federal level, over 38 States have mandatory net metering rules. Net Metering Mechanism Across Multiple States in the US. Source: SEIA New concerns in the residential and commercial sector have risen due to the promotion of bill HF669 in the state of Iowa. This bill is believed to remove the net metering mechanism and leave solar customers without the chance for receiving a compensation for the excess energy that they inject into the grid.RELATED ARTICLESThe Pros and Cons of Solar StorageThe Hidden World of Solar HardwareRevisiting Net Zero EnergySolar Panels That Don’t Look Like Solar PanelsA New Ground-Mounted Solar Array According to the Solar Energy International Association (SEIA), between 20% and 40% of the electricity produced by your solar panels goes back to the grid. Therefore, not receiving compensation for 20% to 40% of energy generated can indeed become a serious problem for the solar industry. However, before jumping to conclusions, let’s analyze what this bill is all about. Bill HF669 for the State of Iowa  According to the bill, the injection of solar power into the grid involves infrastructure and operational costs to the power utility companies that are not considered when establishing tariffs for electricity consumption. The bill attempts to pass a share of these operational costs (which are not yet specified) to the consumer sector in order to eliminate a “cross-subsidization.” To pay the share of costs, bill HF669 proposes several options. The most probable and easy to implement option involves a minimum charge rate structure that represents a small amount that will be added to the consumers’ electricity bill every month. Now, what is most important is to notice that according to the bill: This tariff rate structure shall allow the private generation facility to offset the private generation customer’s energy usage, and shall allow excess energy to carry forward in the form of excess energy credits to offset the private generation customer’s energy usage in future billing periods. That description matches with the definition of net metering. In other words, bill HF669 is not attempting to eliminate net metering. Instead, it still promotes net metering as the mechanism in rule to compensate consumers for excess solar power injected into the grid, but with a small new charge rate that will slightly reduce your earnings monthly. The importance of this statement lies in how small this charge rate will be, as to allow both parties—customers and utilities—to receive earnings and compensate costs of excess solar power operation. However, it is unlikely that this minimum charge rate will reduce your earnings drastically enough to avoid considering solar power. What is solar without net-metering?  Net metering has become an important mechanism for the solar industry. However, it is not indispensable. In the state of Hawaii, solar power has been running for almost 4 years without the net metering program that was supported by Hawaiian Electric. Since 2015, no new customer is entitled to apply for the net metering mechanism. So, what happened to new solar power installations? The solution was to implement two new mechanisms: Customer Grid-Support Plus (CGS Plus) for grid-tied systems and smart export for grid-tied with battery backup systems. Both of them offer the option to the customer to receive compensation for the energy that is injected back to the grid but with the condition of using equipment that is smart-grid ready as to allow the grid operator to manage the PV system when needed to maintain a reliable and safe operation of the power grid. As with these mechanisms, other mechanisms such as Feed-in Tariffs can also be implemented to substitute net metering and provide compensation for excess energy. Comparison of net metering vs Feed-in Tariff Mechanisms. Source: NREL The excess solar power in the Hawaiian Electricity grid led to the end of the net metering program since the grid is able to safely operate and distribute the excess solar power until a certain limit. However, as you can see, this does not mean that solar power was over. As new communication technologies appear on the market and new constraints appear on the grid, new requirements for solar power equipment will be implemented, particularly related to inverters. While traditional inverters convert all DC power from solar and send it to the grid, advanced inverters with grid support features will allow grid operators to control the energy flows from solar power installations to avoid grid-stability issues and ensure safe operation of the grid. If you are about to install a PV system it is better that you get smart-grid-ready. What can I do with excess solar power if not injected back to the grid?   In the unlikely case that no other mechanism replaces net metering, how could you obtain the best from your solar power system? Going off-grid is always a choice, however, if you have grid connection available, it is probably unjustifiable that you do not use that important resource. The best answer is to install a grid-tied with battery backup system that increases self-consumption where the excess energy is not injected back to the grid. Instead, it goes into an energy storage system under a Grid Zero mode of operation that avoids sending excess energy to the grid. Finally, an important consideration is what to do when the energy storage device is completely charged and there is excess solar energy. The most optimum system will store this excess solar power as thermal energy in a hot water system. Sending the excess solar energy to the water heater will make sure that every kWh that your PV system generates will be used and will offset your consumption from the power grid to achieve revenues. -Carlos Huerta is a trained solar engineer deeply involved in the solar industry with a background in the design of photovoltaic systems for the residential and commercial sector. He is a promoter of sustainable technologies and solutions with a passion for renewable energy. His website is read more