By Morgan RoanUniversity of GeorgiaA woman planning to have a baby should eat a healthy diet before she gets pregnant, said Connie Crawley, an Extension Service nutrition and health specialist with the University of Georgia College of Family and Consumer Sciences.After the first three months, the woman needs to consume about 300 calories more each day than usual. “An increase in healthy foods is best,” she said. “You don’t have to eat a lot of extra food to raise your caloric intake. One sandwich or three cups of skim milk will satisfy the extra 300 calories.”Pregnant women should follow the guidelines suggested by the U.S. Department of Agriculture Food Guide Pyramid. Eat at least three meals with one or two snacks each day. “Small, frequent meals are best,” she said.”The average woman gains half a pound to 1 pound each week after the first trimester,” Crawley said. “Most women only gain 1 to 4 pounds during the first trimester. An average-size woman will gain 25 to 30 pounds while pregnant.”FolateIt’s important for women of child-bearing age to take folate before they get pregnant, Crawley said. This will prevent neural-tube defects like spina bifida, a problem of spine development, and anencephaly, a poorly formed brain and skull.”The major organs of the baby are formed within eight weeks of pregnancy,” she said. “This is why it’s important for the woman to take 400 micrograms of folate in a supplement before and after conception.”Many multivitamins or prenatal vitamins contain the right amount of folate. Always check the label to be sure.Calcium Calcium helps the baby’s bones grow properly and protects the mother’s bones. Pregnant women should take about 1,500 milligrams each day. Calcium is found in milk, other dairy products,calcium-fortified juices, leafy green vegetables, fortified soy milk and calcium supplements.Fiber To help prevent constipation, a common problem duringpregnancy, pregnant women should eat more fiber. “Whole grains are a better source of fiber than refined grains,” she said. Five to seven fruits and vegetables a day are good, too.Iron Meats, dried beans and peas and dark leafy green vegetables are good sources of iron. Eating enough of these foods will prevent iron deficiency. Doctors will tell most pregnant women to take an iron supplement, too.Foods to avoid Some foods, such as swordfish, shark, tuna steaks and other large fish, contain high levels of mercury. Don’t eat these in large amounts. They may cause neurologic damage to the baby.Cook meats well to kill the bacteria that could cause serious complications for the unborn child. “Even precooked meats such as lunch meat and hotdogs should be heated,” Crawley said, “to kill any bacteria.”A harmful bacterium called Listeria monocytogenes can be found in soft cheeses (like feta, Brie, Camembert, blue-veined cheeses and Mexican-style cheeses like “queso blanco fresco”)that may be made with inadequately pasteurized milk. This bacterium can cause miscarriage, premature birth, blood poisoning or other life-threatening complications.”Cream cheese and aged cheeses are safe to eat,” Crawley said. “Another safety suggestion is to rinse vegetables and fruits with water and wipe them off well before eating.”ExerciseIt’s safe to exercise during pregnancy. Running and other strenuous lower-body exercises, though, aren’t good. They may put a lot of stress on the baby.”Walking or swimming is better because it promotes more rhythmic motion than bouncing,” Crawley said.During pregnancy, perform exercises that won’t throw your balance off. “Water exercises are best,” she said. “They’re supportive and relaxing.”
36SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bob Dorsa Bob Dorsa is the President of the ACUMA (American Credit Union Mortgage Association) a professional trade association (co-founded by Dorsa in 1996). ACUMA is one of the most unique niche … Web: www.acuma.org Details Credit unions continue to perform well, reaching new heights in lending and finding much improved recognition for their brand overall.Membership continues to increase. Assets continue to grow. And importantly for mortgage-lending CUs, market share continues to climb, hitting an all-time high of 11% in the first quarter of 2015.But as the indicators move upward, the going gets tougher. For continued success, credit unions need to step back and reflect on the good fortune that has come to them, specifically by examining reasons for success then planning how to build the future.Arguably, the biggest factor in the rise of credit unions in the 2000s can be traced to its roots. The differentiator for many consumers seems to suggest that CUs are viewed as basically different from the Big Banks and large mortgage lenders.Throughout recent tough economic times, credit unions, felt less of the negative impact. As a result, CUs have been perceived as better financial partners than profit-oriented bigger players.Credit unions are “member-owned cooperatives” people band together to help each other under the oversight of professional financial services management specialists.When we talk about what differentiates CUs from banks, the “cooperative” is where the conversation should begin. Banks emphasize profits for stockholders, not service to customers.In making this distinction, we are re-inventing the cooperative. Or, more accurately, we are re-emphasizing its original purpose and understanding its current importance. This knowledge should be used by credit union leaders (and all credit union employees) to differentiate the value proposition to members.What differentiates credit unions from other financial institutions is the feeling that we’re in this together; we look out for each other; we care about each other.Because that’s why cooperatives were formed— Check out a great video produced by the National Credit Union Foundation. It’s very well done!The service and commitment to members builds trust with each and every interaction, credit union and member. At its very basic essence, our cooperative difference is what needs to be promoted.Service. Commitment. Trust. That’s what each individual working in every credit union system must build on. It doesn’t mean CUs aren’t competitive or convenient or financially strong. Those are important. But they’re not the differentiators credit unions will need to continue being successful.
Topics : According to the conservation organization Traffic, criminal networks of Chinese origin operate in South Africa processing rhino horn into beads, bracelets, bangles and powder to evade detection. South African customs officials said Tuesday they had seized dozens of rhino horn pieces disguised as art and valued at about $7.0 million, at the airport in Johannesburg.Customs officials at OR Tambo International Airport “discovered 41 pieces of rhino horn valued at 115.66 million rand in a consignment declared as ‘fine art'”, the customs authority said in a statement.The cargo which was destined for Kuala Lumpur via Doha, was detected during a routine inspection of warehouses at the country’s largest airport. Home to about 80 percent of the world’s rhino population, South Africa has become the epicenter of poaching in recent years, but has seen a steady decline in numbers of rhino killed since 2014.In 2019, 594 rhino were slaughtered for their horns, down from 769 in 2018.Demand for rhino horn is primarily fuelled by consumers in Asia where it is coveted as a traditional medicine, an aphrodisiac or as a status symbol, and can fetch up to $60,000 per kilogram.The horn is nonetheless composed mainly of keratin, the same substance as in human nails.
The 15 universities listed in the first cluster are all state-run universities:The Bogor Agricultural University (IPB)University of Indonesia (UI) in Depok, West JavaGadjah Mada University (UGM) in YogyakartaAirlangga University (Unair) in Surabaya, East JavaBandung Institute of Technology (ITB) in West Java10 November Institute of Technology (ITS) in Surabaya, East JavaHasanuddin University (Unhas) in Makassar, South SulawesiBrawijaya University (UB) in Malang, West JavaDiponegoro Univeristy (Undip) in Semarang, Central JavaPadjadjaran University (Unpad) in Bandung, West JavaSebelas Maret University (UNS) in Surakarta, Central JavaThe State University of Yogyakarta (UNY) in YogyakartaAndalas University in Padang, West SumatraUniversity of North Sumatra in Medan, North SumatraThe State University of Malang in East JavaOut of 2,136 universities ranked this year, the ministry placed 34 universities in the second cluster, 97 in the third, 400 in the fourth and 1,590 in the fifth.The ministry used several indicators to rank the universities, including the number of academic papers published by lecturers, research and community service performance, percentage of alumni that were employed within six months of graduating, lecturer to student ratio and the number of patents owned by lecturers.It also took into account the number of lecturers with a doctorate, international students, and industry practitioners who joined under the university.The ministry’s higher education director general, Nizam, said the clusters indicated the university’s performance and would be used to determine developmental policies.“This clustering is not a ranking but a grouping of universities according to their level of development; it should not be confused with ranking,” Nizam said during the clustering announcement on Monday.Last year, the IPB ranked third in the first cluster, with the top spot held by ITB and followed by UGM. (mfp)Topics : The Bogor Agricultural University (IPB) in West Java has ranked first out of 15 higher education institutions listed in the Education and Culture Ministry’s 2020 university first cluster, the highest of five clusters in which the ministry ranks universities based on their level of development.In addition to crediting previous leaders of the university, IPB rector Arif Satria said the achievement was due to the hard work of the entire school community.“This is the result of everyone’s hard work. I appreciated all the academics, faculty members and alumni who continued to be united and earnest in advancing the IPB,” Arif said on Monday as quoted by kompas.com.
Economists and activists are urging Indonesia not to overlook climate change in its poverty reduction efforts amid the COVID-19 pandemic, as looming climate crises could exacerbate poverty in the long run.Think Policy Indonesia cofounder and environmental economist Andhyta F. Utami said that taking an environmental approach to poverty reduction was crucial, as increasingly frequent natural disasters disproportionately affected the poorest Indonesians. For instance, long droughts as a result of climate change could cause crop failures, which would cause food shortages that would hit low-income earners hardest.“We are now talking about COVID-19 and COVID-19 seems like a huge issue […] and we have to face an economic recession,” Andhyta said during a recent webinar organized by the SMERU Research Institute and the Knowledge Sector Initiative (KSI).“But compared to all of that, the climate crisis that will be worse in five to 10 years is an even bigger problem.”Therefore, she urged Indonesia to follow a different economic model that focused on restoring and conserving the environment, citing Oxford economist Kate Raworth’s “doughnut” economic model, which seeks to balance the needs of people and the environment, as an example. Andhyta also suggested Indonesia tap into initiatives like the carbon trading market and “payment for ecosystem services” to tackle the issue. The latter could be done by incentivizing upstream restoration in exchange for payment from people living in the downstream area that benefit from the restoration.Read also: Indonesia speeds up regulation on global carbon tradingAndhyta’s appeal comes against the backdrop of the heavy toll the COVID-19 pandemic has taken on the country’s poor.Statistics Indonesia (BPS) data from September 2019 showed that 24.79 million Indonesians lived in poverty, equivalent to 9.22 percent of the total population.Projected impact of COVID-19 outbreak on poverty rate (JP/Smeru Research Institute)A SMERU report in April this year projected that about 8.5 million people would fall into poverty in 2020 as a result of the COVID-19 pandemic. If the prediction holds true, the number of poor will surge to 33.24 million, or 12.37 percent of Indonesia’s total population.This comes after around 1.63 million Indonesians fell into poverty between September last year and March, BPS announced in July.Meanwhile, Indonesia is still miles away from resolving its environmental and wildlife problems. National Disaster Mitigation Agency (BNPB) data show that land and forest fires ravaged 942,484 hectares of the country in 2019, almost double the area affected in 2018 – gutting natural habitats and threatening the nation’s biodiversity.But despite such risks, the country has not adopted an ecological approach to the development of its economic policies and COVID-19 recovery plan, as shown by the passing of the environmentally hazardous Job Creation Law and the government’s prioritization of economic recovery above other needs, the Indonesian Forum for the Environment (Walhi) said.Read also: Omnibus law ‘may sacrifice’ human rights, environmentWalhi urged the government to draw a stronger connection between its current policies and climate change, as extreme changes to the climate would harm the poor the most and jeopardize the livelihoods of farmers, fishermen and people who live along the country’s coastlines.“We have to correct our perspective on climate change,” Walhi campaign manager Yuyun Harmono told The Jakarta Post on Thursday.He also called for the government to push companies that extract natural resources to carry out an eco-friendly transformation of their operations to prevent further negative impacts on disadvantaged communities, citing various reports that show the large contributions corporations make toward climate change.About 71 percent of global emissions since 1988 can be attributed to just 100 companies, which includes Indonesia’s state-owned oil and gas giant PT Pertamina, a 2017 report by environmental nonprofit CDP and the Climate Accountability Institute showed.National Development Planning Board (Bappenas) director of poverty alleviation and social welfare Maliki said various policies had been developed to tackle environmental degradation caused by the private sector, such as regulations that call for the use of eco-friendly technologies and prohibit companies from building facilities in landslide-prone areas.In the context of poverty alleviation, the government has continued to educate low-income families about eco-friendly habits through family development sessions run under the Family Hope Program (PKH), a conditional cash assistance program.Read also: PKH boosts livelihoods of low-income familiesUnder its agrarian reform and social forestry initiatives, the Environment and Forestry Ministry has also educated families on how to better extract natural resources for their subsistence without using the “slash-and-burn” method.The government is also working to economically empower low-income families with considerations to climate risks using the National Disaster Mitigation Agency’s (BNPB) InaRISK – a data service platform that aims to illustrate the potential for disasters in every area of Indonesia.By 2022, Bappenas also strives to develop an “adaptive social protection” framework with which to build a social protection system that can tackle climate change issues and anticipate disasters, be they natural disasters or “social” disasters like COVID-19, Maliki said.“Poverty reduction is heavily impacted by environmental disruptions. If the environment is damaged, many people will be affected and fall into poverty,” he said.Topics :
Denmark’s biggest commercial pension fund PFA Pension posted a 3.3% loss in 2018 for customers with market-rate pensions, as equity market falls at the end of the year took their toll.The loss, measured according to the Danish FSA’s N2 standardised reporting figure for market-rate pension returns, compares to an 8.2% profit reported in 2017.Customers with average-rate pensions saw a return of 0.7% last year at PFA, according to the N1 standard, down from 3.5% in 2017.Allan Polack, PFA Pension’s chief executive, said: “A negative return is never pleasant, but the unrest on the financial markets did not come unexpected, and we have succeeded in reducing the losses through a strong focus on risk management.” Allan Polack, PFA PensionOver the last five years, Polack added, PFA customers had received a cumulative return of 41.9% with the recommended investment profile even including the negative 2018 result.Releasing its annual report, PFA said it had significantly increased its investments in unlisted property, infrastructure, green energy and logistics in recent years.When markets faced turbulent periods, it was important to look to sources of return that were less sensitive to market fluctuations than shares and bonds, the provider stated.“During 2018, this area was further strengthened, and PFA now has approximately DKK90bn [€12bn] placed in unlisted investments,” the pension fund said, citing its investment in telecoms operator TDC in the spring of 2018, and the unlisted loans it had provided during the year to Scandlines, offshore wind farm Hornsea 1 and other borrowers.In terms of its overall business, PFA reported a poor result for its health and accident insurance operations, which had been hit by more claims and less policy reactivation than expected. This business area made a DKK830m loss, deeper than the DKK427m loss registered in 2017.However, PFA saw a “very satisfactory” influx of new customers overall last year, bringing in 526 new corporate customers and more than 50,000 individual customers.The company made net profit of DKK114m for 2018, down from DKK247m in 2017.Total payments in rose to DKK37.4bn, compared to DKK341bn the year before.Total assets dropped to DKK575.8bn for the holding company at the end of 2018, from DKK596.3bn a year before. Challenging years were inevitable, he said, and it was important to remember that pensions were a long-term investment.
The U.S. Army Corps of Engineers is opening a public scoping phase in the preparation of a comprehensive environmental impact statement to evaluate the effects of the Oregon International Port of Coos Bay’s proposed modifications to the Federal Navigation Channel. The port’s proposed project is made up of several actions to improve navigation efficiency, reduce shipping transportation costs and facilitate the shipping industry’s transition to larger, more efficient vessels, USACE said.The USACE’s analysis also will support consideration of approvals and permits required prior to construction.An open house-style public scoping meeting is scheduled for Wednesday, September 13, 2017 to talk with USACE’s staff about the EIS process, the significance of public input and to receive written input.Port staff also will display information about their proposal and be available for discussion.The meeting will be held from 3 to 7:30 p.m. in the Myrtlewood Room, Coos Bay Public Library, Coos Bay, Oregon.[mappress mapid=”24359″]
KNOT Offshore Partners has expanded its fleet to sixteen vessels, following the completion of acquisition of another shuttle tanker. KNOT Offshore’s subsidiary, KNOT Shuttle Tankers, has acquired all of the ownership interests in KNOT Shuttle Tankers 30, the company that owns and operates the shuttle tanker Anna Knutsen, from Knutsen NYK Offshore Tankers.KNOT Offshore said on Thursday that the acquisition was made for an aggregate purchase price of $120 million, less $106.8 million of outstanding indebtedness under the secured credit facility related to the vessel, plus approximately $1.4 million for certain capitalized fees related to the financing of the Anna Knutsen.On the closing of the acquisition, KNOT 30 repaid approximately $32.4 million of the indebtedness, leaving an aggregate of approximately $74.4 million of debt outstanding under the secured credit facility related to the vessel. The purchase price was settled in cash and will be subject to certain post-closing adjustments for working capital and interest rate swaps.The Anna Knutsen is DP2 Suexmax class shuttle tanker, delivered in March 2017 and is operating in Brazil under a time charter with Galp Sinopec Brazil Services B.V., which will expire in the second quarter of 2022. The charterer has options to extend the charter for two three-year periods.Including the Anna Knutsen, the partnership now has a fleet of sixteen vessels with an average age of 4.6 years and a fixed average employment of four years.
Radio NZ News 27 February 2017Family First Comment: Our 9th year of calling for this – and we’re not giving up!There are calls for an independent authority to be set up to act as a watchdog investigating complaints and failures by Child, Youth and Family (CYF).It comes after CYF admitted it failed by sending a toddler back into a P-using household where he died.Law Society family law chairperson Michelle Duggan wants an independent complaints authority set up at the Children’s Commission to oversee badly-handled CYF cases.She said the idea came up when the Oranga Tamariki bill was put to Parliament, but had not come to fruition.“The recommendation in that bill is that it be a complaints service within the ministry.“The New Zealand Law Society, in its submissions on the bill, have said the best sort of complaints service is one that’s independent.Family First national director Bob McCoskrie said a complaints body could look like the Independent Police Conduct Authority, which considered complaints against police.“If we have an independent police complaints authority, we certainly should for a state agency that has the ability to uplift children, or sometimes they’re not acting when there’s clear evidence they should be.“[It] goes back to the question: ‘If families don’t believe CYFs are acting or performing the way they should be, who do they turn to?’”Mr McCoskrie said the Association of Social Workers had pushed the government for an independent complaints process.READ MORE: http://www.radionz.co.nz/news/national/325477/calls-for-independent-cyf-watchdog
The nativity display on the courthouse lawn has garnered national attention.INDIANAPOLIS – The American Civil Liberties Union (ACLU) of Indiana is filing a case Tuesday against the decades-old nativity scene on the Franklin County Courthouse lawn.The ACLU of Indiana alleges the display is a First Amendment violation because it contains no non-Christian religious or secular holiday symbols.“Any reasonable person viewing this display would conclude that its principal effect is to advance religion,” said ACLU of Indiana Senior Staff Attorney Gavin M. Rose.“The First Amendment protects these kinds of displays by individuals and groups on private property, but also makes clear that displays on public property, which is maintained by taxpayers, cannot demonstrate a preference for religion.”The suit was filed on behalf of the Freedom from Religion Foundation (FFRF) and two Franklin County residents who are also FFRF members.County officials have disregarded FFRF removal requests in previous years. Commissioner Tom Wilson told the Indianapolis Star that he did not view the nativity scene as unconstitutional and tax dollars were not used to set it up.The controversial topic has led national media attention and rallies in the past few weeks.