St Edmund Hall 27-LMH/Trinity 18: LMH were robbed of a huge upset win late in their opening match, away to champions St Edmund Hall. With Hall undermined by seven injuries, the visitors’ dominance at the set piece and an aggression and adventure out wide saw them build a healthy 13-0 lead early on before Hall showed yet again the class of champions, clawing their way back to snatch a victory.The first half belonged to LMH/Trinity, who won the majority of posession and had the wherewithall to use it. The game’s first try after ten minutes showed this. a cross kick to winger chris copplestone confounded the Hall defence, and he spilled the ball back for shaun Collins to score. Their second try, after half an hour, came as captain and flanker Jonny wright’s chip across the Hall line was collected by fullback tom Markham. after a Jack wallace penalty, faced a big deficit, but their icy cool showed itself once more. As the half drew to a close, the Hall backline fired to fashion a try for winger peter cay, and with rob Yates’ conversion the game was thrown wide open.The visitors scored first in the second half too. an excellent break by Markham, from between the half way and ten metre lines, led to a score for left wing Tom Harris. Hall struck back once more, and charged back into LMH/Trinity territory. From a lineout, the pack drove hooker paul Smith for a well worked score.The try saw Hall finally gain some ascendency. an hour gone they finally took the lead, after some rather scruffy passing gave cay enough space to skilfully round his marker. Yates converted from a difficult angle and, minutes later, added a straightforward penalty for a 22-18 lead, leaving LMH/Trinity in need of a try. Time was running out and as outside half George robinson tried to spark something with a horribly misconceived american football-style pass, david saleh capitalised and stole in for the decisive try.hall’s captain robert Newman understandably stressed that his side had been handicapped by injuries, but praised the squad players who had come in to replace more established names. his disappointed opposite number Jonny wright attributed his side’s late eclipse to a lack of fitness, stemming from games missed due to opposition concessions. if LMH/Trinity can rectify this, their skills and spirit leave no doubt that they can thrive in the top division. ARCHIVE: 6th week MT 2005
Credit is a subject that credit unions find incredibly familiar. It is the driver of everything we do, from our profit to our promotions to our processes. We understand what type of credit risk we want to take in our loan portfolio, we think about how we want to attract those borrowers that fit our preferred profile, and we chase credit recovery through collections efforts when our borrowers fail to repay. We know exactly what the extension of credit means for our institution. In a financial institution, a credit score is simply more numbers that are part of a larger calculation. However, I wonder how often we think about what credit means for the average, every day people we serve. Most of our members are not as familiar with credit scoring models as we are, and many do not watch their credit closely as a measure of their financial health. Credit may be the component of the 5 ‘C’s’ of credit that we may potentially take too seriously. We need to be willing to have a fuller understanding of what makes up an individual applicant’s credit score, and not just because we want higher loan yield or need to grow our portfolio. It is often easy to make a moral judgment about an individual based on their credit score. Credit scores tell stories. Good credit scores are stories of responsibility, of opportunity, and in some cases, of privilege. Some members are fortunate to have good credit because they have strong social ties willing to lend a hand in time of need, allowing them to keep their credit score pristine in times of challenge. Other credit scores tell stories of divorce, of disappointment, and of heartache. These stories are stories of an abrupt layoff, of an unexpected cancer diagnosis or car accident, or other unanticipated tragedy. Still others tell stories of lack of access – of neighborhoods populated with subprime lenders at ‘buy-here-pay-here’ car lots, check cashers and payday lenders. These credit scores may tell stories with deep histories. The numbers on paper cannot reflect the distrust in financial institutions behind the scores. An absent credit score may not fully tell the story of the member whose parent was redlined by a local bank, or how a family lost everything as a neighborhood declined around their property. The number on paper doesn’t reflect the challenges to access faced by that family, leading them to be un-banked or underbanked a generation or two later. A lack of credit score can reflect a history in a country with an unstable financial system. A lack of credit score can reflect a language barrier or unfamiliarity with the United States financial system. This lack of score can lead to lost housing opportunity, further perpetuating the cycle of spotty borrowing. Character is important. As a safe and sound institution, we want borrowers who will repay. This is not an article about lending to underserved communities, risk management or credit policies. Your own balance sheet and strategic plan will determine what that means for your institution. Still, credit has implications and has a legacy. In the United States, it has been used to create opportunity for some and has been a barrier to access for others. My institution, North Side Community Federal Credit Union, is one of a very small handful of credit unions in the country that operates a housing counseling agency. As part of our services, some of our staff meets with individuals for a lengthy two-hour credit counseling session. We see a wide range of stories. Yes, some have destroyed their credit with irresponsible financial management. Those stories come from all walks of life. Many more have never learned about credit or had an event beyond their control that rendered them unable to responsibly repay their debt. The one thing they all have in common is a desire to improve their credit, understanding it will improve their financial situation. As cooperatives, we have a unique opportunity to look beyond just the scores we see on paper. We have an opportunity to use credit to help people improve their lives and provide access to greater opportunity. This will look different based on each individual field of membership, but the balance sheets are not our primary mission. The balance sheet is simply the method by which we accomplish our mission. Recently, the CEO of a CDFI credit union shared how excited she was to offer an ITIN product. An outside observer commented to her that what her credit union was truly doing was offering hope to people. Hope is a rare commodity. If credit unions can offer that to people through the way we transact we can offer a unique value proposition that will be difficult for any other financial services provider to compete on. 49SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Sarah Marshall Sarah Marshall is a consultant in the credit union industry, and can be reached for partnership and speaking opportunities through Your Credit Union Partner. Her background in community development includes … Web: https://yourcupartner.org Details
“Madamo nga chemicals ang dala sang bunker fuel that will affect the health sang aton pumuluyo. Kun ara na gid man ini sa aton shorelines, we will handle this carefully. Dapat may PPE (personal protective equipment) kita,” Gumarin explained. The effect of the oil spill on the marine resources and the livelihood of the people in the island province is like “fighting another battle amid the COVID-19 pandemic,” according to Gumarin. She said barangays immediately deployed spill booms and initiated cleanup operations. Buenavista mayor Eugenio Reyes, said they conducted an inspection to verify how many affected families are to be evacuated. Gov. Samuel Gumarin cautioned residents of the affected barangays about the health hazards brought by the bunker fuel. The oil spill was triggered by an explosion from Power Barge 102 docked in the Barangay Bo. Obrero. The explosion tore a one-foot-wide hole in the hull of the power barge and caused 251,000 liters of bunker fuel to spill into the Iloilo River and neighboring Iloilo towns of Dumangas and the barangay of Sto. Niño Norte in Arevalo district. “The bulk of oil spill entering our ports depends on the sea current. Minsan nandiyan sa ports, maya-maya nababalik ulit sa gitna ng Iloilo Strait. After we finish our improvised boom, we will try to contain the oil,” Jacinto said. Gumarin said the provincial government is coordinating with the Office of the Civil Defense and the Philippine Coast Guard for the cleanup operations./PN ILOILO City – Twenty coastal villages in the island province of Guimaras are affected by the oil spill from a power barge in Barangay Bo. Obrero, Lapuz, Iloilo City following an explosion Friday last week. He advised and assisted the affected barangays on the deployment of improvised oil spill booms. The power barge is estimated to be carrying 320,000 liters of bunker fuel. IT’S SPREADING Spilled bunker fuel (right photo) is seen floating on the waters of Guimaras province following an explosion on AC Energy’s Power Barge No. 102 in Barangay Bo. Obrero, Lapuz, Iloilo City. (left photo) A resident’s hands in Jordan, Guimaras are stained with fuel oil. Local authorities say the bunker fuel from a barge damaged by an explosion has already reached 20 coastal villages of the island province. GUIMARAS PIO The oil spill is among the biggest since 2006 when 2.1 million liters of bunker fuel spilled in the water of Guimaras when the tanker MT Solar 1 sank on Aug. 11, 2006. Barangays affected by the oil spill in Jordan town were Rizal, Hoskyn, Balcon Milleza, and Morobuan. “May pandemya kita, nagasaka man ang numero sang dengue fever, naglupok pa gid ini. Aside sang tawo, ang aton naman coastal areas – ang source na naman sang aton mga sud-an ang naigo,” he added. In Buenavista, barangays that also reported traces of bunker fuel in their waters were Montpiller, Rizal, Sto. Rosario, Magsaysay, Zaldivar, Sawang, Taminla, Dagsaan, Tacay, Getulio, San Miguel, Navalas, Bacjao, Tanag, Umilig, and Avila. Commander Jose Jacinto Jr. of the Philippine Coast Guard-Guimaras station said they conducted coastline patrol to identify areas affected by the oil spill. Bunker fuel spilled from the power barge and littered the shores of the towns of Jordan and Buenavista, a report from the Provincial Disaster Risk Reduction and Management Office (PDRRMO) of Guimaras showed. Guimaras PDRRM officer Teresita Siason said municipalities and coastal barangays of the province were immediately alerted of the oil spill.