5 Ratatouille

first_imgBy Kristen PlankUniversity of Georgia Volume XXXIIINumber 1Page 5 2 tablespoons olive oil1 large onion, thinly sliced2 cloves garlic, minced1 small eggplant, cut into cubes2 green bell peppers, cut into cubes or thin strips4 large tomatoes, coarsely chopped (peel if desired)3 to 4 small zucchini, cut into thin slices1 teaspoon dried leaf basil1/2 teaspoon dried leaf oregano1/4 teaspoon dried leaf thymeIn a 4-quart Dutch oven or skillet, heat olive oil over medium heat. Add garlic and onions and cook, stirring often, until softened (about 5 minutes). Add eggplant and peppers; stir to combine. Cover and simmer for 10 minutes, stirring frequently to keep vegetables from sticking. Add tomatoes, zucchini and herbs; mix well. Cover and simmer over low heat for about 15 minutes or until eggplant is tender. Serves four.center_img Many people grow gardens for the sole purpose of planting and watching their flowers grow. There’s another reason for getting your gloves dirty: growing your own dinner. Elizabeth Andress, a University of Georgia Cooperative Extension food safety specialist in UGA’s College of Agricultural and Environmental Sciences, gives a dinner idea that offer freshness and simplicity for the table. Andress suggests a French vegetarian dish called ratatouille. “I love this recipe because it allows you to puts fresh vegetables on your plate with a minimum of cooking time,” she says, “and it’s like sitting down to a job well done.”Ratatouille (pronounced ra-ta-twee or ra-ta-too-ee) can be used as a nutritious side dish or a hearty leftover lunch. It has no added sodium or sugar and a minimal amount of fat.Ratatouillelast_img read more

Oral surgeon charged with criminal Medicaid fraud

first_imgA Rutland oral surgeon, Peter B Gray, was arraigned on October 18, 2010, in Vermont Superior Court, Criminal Division, Rutland County on 23 felony counts of Medicaid fraud, announced Attorney General William H. Sorrell.According to papers filed in court, Dr. Gray is accused of fraudulently billing Vermont Medicaid for diagnosing patients with non-existent dental cysts, and for services which he did not provide, including anesthesia and the removal of bone-impacted teeth.For each of the 23 Medicaid fraud charges, Dr. Gray faces a potential fine of up to $1,000.00 or an amount equal to twice the amount of payments obtained, or up to ten years in prison, or both. The court imposed standard conditions of release that govern Dr. Gray’s conduct while the case is pending.Source: Vermont Attorney General. 10.20.2010last_img read more

Vermont to get $74,000 in Botox settlement

first_imgAttorney General William H Sorrell announced today that Vermont will receive approximately $74,000 as part of a national settlement totaling $600 million based on whistleblower complaints that pharmaceutical manufacturer Allergan, Inc., and Allergan USA, Inc. illegally marketed the drug Botox for uses not approved by the FDA.Specifically, the complaints alleged that Allergan engaged in a nation-wide off-label marketing campaign to get physicians to prescribe Botox for headache, pain, overactive bladder, and spasticity. The marketing campaign included funding continuing medical education programs at which Botox was promoted off-label, and providing physicians with ‘free’ reimbursement services at which they were coached to use improper billing codes.Allergan’s marketing campaign led to overutilization of Botox for medically unnecessary purposes. In addition to civil penalties, Allergan will plead guilty to a misdemeanor violation of the Food, Drug, and Cosmetic Act, and pay criminal fines and forfeiture. Allergan will also enter into a Corporate Integrity Agreement with the federal government to closely monitor the company’s future marketing practices. Source: VAG. 1.13.2011last_img read more

The May Issue of Blue Ridge Outdoors is Live!

first_imgOur May 2014 issue is hitting newsstands this week.And while we really hope you are able to pick up a copy for free at your local outdoor specialty shop, here’s a look at our May Festival Guide issue online to get you pumped up for summer.To kick it off, we’ve got an exclusive introduction by our editor-in-chief Will Harlan with an excerpt from his new book, Untamed, which took him 20 years to create and will be front and center and Barnes and Nobles nationwide.And, we’re sure you’ll be happy to know that our annual Festival Guide is now live and on its way to doorsteps across the Blue Ridge region.Readers face off on the issue of taxes funding bikeways and pay-to-play bike parks; and travel editor Jess Daddio takes a deeper look into the life of Bill Harris, who lives beside — and protects — the Virginia Creeper Trail. She also participates in an epic highline adventure in North Carolina’s Linville Gorge — one of the first of its kind in the Blue Ridge.And speaking of our travel editor … Jess just departed our office here in Virginia for a year-long road trip we’ve dubbed Live Outside And Play. You can follow her adventures on her Facebook, Instagram, and Twitter as well as on her project-specific blog. Stay on the lookout for her photos and stories as she gets acquainted to her new mobile outdoor life, based out of a 2014 Jeep Cherokee and a Sylvan Sport Go camper-trailer all summer long.Now take your own digital spin around our latest issue and let us know what you think on Facebook.DEPARTMENTSEditor’s Note: The Wildest Woman in AmericaFlashpoint: Pay more in taxes to fund bikeways?Bill Harris Protects His Backyard Virginia Creeper TrailQuick Hits: Outdoor NewsFEATURESCan bikes save the world?Atlanta’s Beltline Trail2014 Festival GuideHashing: Drinkers with a running problem Highlining in the Linville GorgeBehold, More Beer!Top Festival Gear PicksFifty Festivals You Might Not Know AboutBands to Catch on the Southern Festival CircuitAnd more!last_img read more

Outdoor Updates: The Fight for Climate Justice Continues

first_imgThis two-day community event features speakers, music, colorful artwork and calls for attendees to protect and preserve the Appalachian Trail, currently under threat from the Mountain Valley and Atlantic Coast pipelines.  Global attention on climate justice has increased during the month of September due to the efforts of activists who fear climate change the most: children. When: Bears Den, Sunday, September 29, 11:00a.m.-1:00 p.m. Where: 18393 Blue Ridge Mountain Road, Bluemont, VA 20135  Who: Members of the public, community groups, environmental organizations  Groups to celebrate Fourth Annual “Hands Across the Appalachian Trail” What: Celebratory rally with featured speakers, live music and refreshments, visuals including signs/banners When: Giles/Pearisburg, Saturday, September 28, 11:00a.m.-1:00 p.m. Where: 2030 Narrows Road, Pearisburg, VA 24134  Early this morning at 7 a.m., protestors gathered in downtown Washington D.C. for climate justice. Their route hit the EPA, Wells Fargo, the Trump Hotel, and the investment firm BlackRock according to tweets from Washington Post reporter Marissa J. Lang. Swedish Environmentalist Activist Greta Thunberg has turned a lot of heads to the issue not only from starting the Fridays for the Future protests but also after she and 15 other young activists addressed the UN directly by calling out those in power for, “taking away dreams and childhood with their empty words and promises.” According to Lang, no one was arrested or injured during Friday’s rallies. The large group marched their course with multiple banners and chants in hopes to put more pressure on those in power. From September 20-27, strikes for climate justice were happening around the world. The protests, young activists, and the increase in media coverage has brought a lot of momentum to environmentalist, which can still be felt across the world. Friday’s protest was a bit different than Monday’s. Multiple climate and social justice groups gathered to block 22 major intersections of D.C. during rush hour in efforts to mobilize the #ShutDownDC movement. 32 protesters were arrested, including a few who chained themselves to a full-sized boat that was to symbolize the rising water levels. On Saturday, September 28, community members, environmental groups, and protectors of the Appalachian Trail will gather from 11:00 am-1:00pm in Pearisburg and Lyndhust, Va. and on Sunday, September 29, from 11:00 am-1:00 pm in Bluemont, Va. for the fourth annual “Hands Across the Appalachian Trail.” Climate Justice Protestors that “Shut Down” D.C. on Monday returned to the streets again this Friday Morning When: Humpback Rocks, Saturday, September 28, 11:00a.m.-1:00 p.m. Where: Humpback Rocks Visitor’s Center and Picnic Area, Milepost 5.8, Blue Ridge Pkwy, Lyndhurst, VA 22952 last_img read more

Hackers hit Hawaii First Federal Credit Union

first_imgSocial Security and bank account numbers are some of the information hackers may have taken in a breach at Hawaii First Federal Credit Union in Kamuela, according to a letter the credit union sent to current and former employees and members.The hack may have taken place via unauthorized access to an employee’s email account, the letter said. continue reading » 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img

CUNA, Foundation part of NCUA’s diversity, equity, inclusion summit

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr CUNA Senior Policy Analyst Samira Salem and National Credit Union Foundation Chief Financial and Operations Officer Hannibal Brumskine will join more than a dozen other credit union leaders Nov. 6 for a summit on diversity, equity and inclusion. Registration is currently open for the full-day event, which will take place at the Westin Old Town Alexandria.According to NCUA, the summit is designed for credit union industry professionals committed to advancing DEI to gather and share best practices, address challenges to advancing diversity and lean how NCUA can support the industry in these efforts.Salem will participate in a panel featuring industry leaders discussing the challenges and best methods to collecting diversity data and how to establish benchmarks for the credit union system. Brumskine will participate on a panel on where to find and how to land the best and brightest from diverse talent pools. continue reading »center_img NCUA headquarterslast_img read more

Indirect vs direct loans: The key to balancing your auto loan portfolio

first_imgIndirect auto-lending currently is out pacing direct-to-member lending amongst US-based credit unions.Banks hold almost double the market share for indirect loans over credit unions and auto loans in the U.S.Learning the pros and cons of indirect vs direct loans can help your financial institution operate more effectively. It can also significantly increase revenue.In this article, we will review the difference between direct vs indirect loans. Continue reading to learn what the best options are for your credit union.Indirect vs Direct and What You Need to KnowDirect loans are loans that are originated directly from your credit union to your member or future member, the consumer. Indirect loans come through a car dealership or other venue that has your credit union as one of their network lender options.Credit unions can benefit from relationships with third parties for indirect loans. While the extra income and asset growth are beneficial, it does require close monitoring due to tight margins.Direct lending may have a bigger profit margin, but indirect lending gives you the ability to do more volume.With increased fees from dealerships, profitability is often challenged because of reduced margins. There is a need for more monitoring because of quick rates of pay-offs, charge-offs, and inconsistencies in documentation.If an indirect program is managed well, credit unions will be able to make money on interest collected. Any other fees and money earned goes to the dealership.The Balancing ActSince indirect lending is not as lucrative as direct lending, it is necessary to find the right balance for your credit union.While getting loans indirectly might be an effective way to bring volume into your credit union, it isn’t the most profitable way if you had to choose between one or the other. Focusing on generating more direct auto loans from current and new members is the best use of resources. Depending on indirect auto loans for your income alone can be a rocky business.Using a full-on attack method to target buyers in the market for a car, who are looking for low rates, isn’t the most effective way to market. If you advertise a low rate, you will get a lot of applications. While a lot of applications might seem like a good thing, it isn’t so great if most people that apply won’t get approved. Soft credit checks can help with this potential obstacle.Use a Targeted ApproachTo increase loan growth and profitability on each loan, make an effort to reach people in your target market. Marketing to people that are likely to want your product and likely to get approved will give you better results. Fewer applications will take fewer working hours, but the higher approval rate will bring in more business.Credit bureau information can be used to craft an effective customized marketing plan. When you target a profitable audience segment, you can create a specific and easy to understand message that will get their attention.Not only are you offering your potential new members a direct loan, but you also get a direct line of communication with qualified prospects. Having access to vetted prospects will allow your credit union to make the best of their time and resources.Inability to communicate with members as a result of being an indirect lender creates a loss of opportunity. When there is a direct line of communication, the credit union can cross-sell or up-sell to the member. Single-service relationships usually end when the loan is paid.Focus on ProfitabilityWhile high sales volume looks good when business comes in, you need to make big enough profits. If you aren’t making big enough profits, you are likely allocating your resources in the wrong areas.Use data to drive your decisions, so you know you are moving your business in the right direction.When you are working with your members directly, you increase your ability to re-target and market to them. Understanding your members and customizing how you communicate with them is one of the ways you can increase profitability.Find out important information like:What is the average relationship length with one of your members?How many accounts do your members hold with your establishment?How do members use their accounts?What is the life cycle of your member loans?Finding out small details like the information above will allow you to notice trends in data. Noticing trends in data will allow you to naturally help members with their decisions.Your data might show that a certain member type often pairs one account type with another. If that type of person only has one account currently, you could promote the other account, so they know about its availability. Promotions that are this targeted often have a high conversion rate.Developing a PersonaIn the previous section, we talked about gathering information to market to a certain “type” of person. These types of people are called “personas” in marketing.Analyze information and develop a persona so you can create products, services, and sales and marketing campaigns that serve the members. Your company will benefit from higher conversions. Developing a persona will also help you provide a better member experience for more word of mouth business.Gather more information on the persona that you market to and you can continue to perfect your message, so you are speaking directly to their needs.Make Doing Business EasyAs your credit union continues to build and grow, you may notice new and exciting challenges. The financial world is highly data-driven and requires cutting-edge technology to stay on top. Having technology that supports you in your mission to provide value to your members and profits to your business is vital.Whether you choose to do indirect vs direct loans or you want to do a mix of both, you need a loan origination system that will make work easier.Having a dependable and easy to use Loan Origination System shouldn’t be a luxury. Request a demo of our high performing LOS Platform today. See how we can support your credit union by helping you through today’s challenging lending environment. 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Steve Maloney Steve Maloney is president/CEO of Sync1 Systems, has more than 20 years of experience in the Information Technology field in addressing issues specific to the financial services industry.  Prior … Web: https://www.sync1systems.com/solutions Detailslast_img read more

Nintendo Switch Sales Crossed 735,000 Units in October, Second-Highest October Sales Across All Consoles

first_imgNintendo Switch sales crossed 735,000 units in the US in the month of October, the company revealed. These numbers shared by NPD include both Nintendo Switch, that launched in 2017, and Nintendo Switch Lite, that launched last year. Nintendo also states that the October 2020 numbers are the second-highest October sales of any video game console in history, following the Wii system that sold 807,000 units in October 2008. These are the strongest sales numbers for Nintendo Switch till date.NPD shared sales numbers for Nintendo Switch and Nintendo Switch Lite for the month of October, revealing that the two consoles combined sold 735,926 units in the US, marking a 136 percent growth when compared to October 2019. Nintendo said that these are the second-highest October sales of any video game console in history with the record currently being held by Wii system that sold 807,000 units in October 2008.- Advertisement – Nintendo Switch has been the best-selling video game console across all consoles for 23 consecutive months – the longest streak since NPD started tracking sales numbers. More than 22.5 million units of Nintendo Switch have been sold in the US alone, according to NPD. Globally, the console has sold 63 million units as per Nintendo’s internal data.Additionally, Nintendo also announced that on Black Friday, customers who purchase Nintendo Switch will get a download code for the digital version of the Mario Kart 8 Deluxe, as well as a three-month individual membership to Nintendo Switch Online. This bundle will be available from November 22 in the US with prices starting at $299.99 (roughly Rs. 22,400).Recently, Nintendo hiked the sales forecast for the Switch to 2.4 crore units by March 2021 as the COVID-19 pandemic boosts consumer spending on home gaming. It reported operating profit between April and September to be JPY 291.4 billion (roughly Rs. 20,800 crores) that was three times last year’s profit in the same period.- Advertisement – Will Xbox Series S, PS5 Digital Edition fail in India? We discussed this on Orbital, our weekly technology podcast, which you can subscribe to via Apple Podcasts, Google Podcasts, or RSS, download the episode, or just hit the play button below.center_img – Advertisement –last_img read more