Facebook Twitter By Andy Eubank – Jun 5, 2013 Bob KraftIndiana Farm Bureau has announced that Bob Kraft, director of state government relations, is planning to retire at the end of September. Katrina Hall, IFB’s lead lobbyist on tax, education and fiscal policy, has been promoted to the role of director and will lead the organization’s state policy efforts. She begins her new duties June 10.Kraft began his career with Indiana Farm Bureau in 1990 and has been instrumental in many of the organization’s legislative successes over the years. In addition to his decades as the legislative face of Farm Bureau, Kraft has made significant contributions to the execution of member-driven policy and worked tirelessly for the benefit of Indiana farmers.“Even though he’s known as one of the best in the hallways and is well-respected by our legislators, Bob Kraft has been much more than just a lobbyist for us,” said Farm Bureau President Don Villwock. “He has provided significant service to Farm Bureau, our member-farmers and rural communities across Indiana through his policy leadership, lobbying efforts and relationship building at the Statehouse.”Hall, who has been with IFB for 13 years, brings a significant background in state and local government to her new position, as well as a strong understanding of how policy impacts IFB members. She is a well-recognized authority on Indiana’s state budget and tax structure and has worked in government finance her entire professional career.“I’m very proud of the work Bob has done and I’m confident Katrina will pick up right where he left off,” said IFB public policy director Megan Ritter. “There’s still a lot of legislative and policy work to do through the summer, and I look forward to working with Bob and Katrina as we tie up the loose ends from this last session of the General Assembly.”Indiana Farm Bureau is the state’s largest general farm organization and represents the legislative and policy interests of all Hoosier farmers.Source: IFB Indiana Farm Bureau Announces Changes to Lobbying Team SHARE SHARE Home Indiana Agriculture News Indiana Farm Bureau Announces Changes to Lobbying Team Facebook Twitter Previous articleHouse Subcommittee Holds Subjective Hearing on RFSNext articleVilsack Discusses Vision of Continued Ag Adaptation to Environmental Threats Andy Eubank
December 9, 2019 1,853 Views Related Articles The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies, News, Print Features The Best Markets For Residential Property Investors 2 days ago In reality, no one really knows with certainty what the outcome of the trade war will be. While significantly lower rates seem unlikely, they cannot be ruled out if the trade war continues. The baseline is for flat to somewhat higher rates. What are the implications for housing?Fundamentally, the medium- and long-term prospects for housing are good because demographics will continue to support demand. Seventy-three million people under the age of 30 are set to enter their peak homebuyer years, but not without challenges. Student debt has been identified by many millennials as delaying or preventing them from pursuing homeownership.Getting married later in life and waiting longer to have children are also factors delaying homebuying. More single homebuyers are becoming more prevalent as lifestyles adjust.Although the homeownership rate is lower today compared to previous generations at a comparable age, the sheer size of the millennial generation bodes well for housing demand.In 2020, with flat to moderately higher rates and a stable non-recessionary economy, the demographic dividend should lead to an increase in the pace of home sales. With home prices still increasing at or above incomes, though, affordability will keep some homebuyers out of the market.ForecastsMortgage rates: Could increase about 50 basis points (bps) in 2019, moving above 4%Home sales: Should increase marginally by 2% to 5% year-over-yearHome prices: Growth will moderate to about 3% year-over-yearHousing starts: Up 5% year-over-yearGDP: Slows to 2% in 2020, down from 2.2% in 2018Unemployment rate: Unchanged at 3.4% by year-end 2020 from 3.4% at the end of 2019Fed funds rate: Fed should be on hold as the economy muddles alongMortgage interest rate changes will continue to dominate the housing market in 2020. The 100-plus bps decrease in rates since November 2018 has boosted affordability. It also lifted sales somewhat and accelerated refinancing activity significantly in 2019.Prediction: Expectations in 2018 for 2019 were that rates would increase, instead they fell over 100 bps. This illustrates the uncertainty of the rate outlook and cautions against placing too much weight on any specific rate expectations. Still, our prediction is that rates are more likely to increase than decrease, given the declines to date and the easing of recession concerns. A trade deal would be a significant boost, so our baseline is a 50 bps increase and mortgage rates could rise above 4%.Risk: Growth concerns or even a recession could be on the horizon, driven by political risk. An escalation of the trade war and slower global growth could hold push rates lower.Housing sales cooled early in 2019 but recovered late in the year as lower rates boosted demand. In the year ahead, we should see modest gains, especially given how weak sales were early in 2019.Prediction: Flat to slightly higher rates will support sales. Sustained, though slower, labor market growth and increasing numbers of millennial buyers entering their peak homebuying years will support demand. Expect sales to expand modestly by 2% to 5%.Risk: Recessionary lower rates could slow the housing market more if homebuyer confidence and banks’ willingness to lend fall. However, it’s unlikely we’ll see a slowdown like the financial crisis.Home-price appreciation cooled in early 2019 as housing demand was muted in its response to lower rates. A sharp increase in home prices compared to incomes since 2012 means incomes are anchoring prices somewhat.Prediction: Price increases are likely to slow regardless of what happens to interest rates and sales. The growth in prices since 2012 totals 58%, compared with a 24% increase in median-household income. As a result, home prices are approaching levels that may be unsustainable when compared with income. Home price growth will moderate to about 3% year-over-year.Risk: There may be some localized price declines, particularly in cities where affordability has become a challenge, but we don’t expect a national decline.Housing supply has been a significant challenge since the financial crisis—an issue that will persist in 2020. Supply has tightened at the lower-priced segment of the market for several reasons. Two of those key reasons are the increase in real estate investors who are scooping up affordable homes to rent out and the lack of new building as home builders gravitate to more lucrative, higher-priced homes.Prediction: Housing starts should increase in 2020, continuing momentum from late 2019 that is supported by lower rates. Still, an increase of about 5% in starts will do little to alleviate the supply crunch.Risk: Presidential candidates are looking at housing legislation to boost supply. Uncertainty about the path of future regulations might spur some increased activity ahead of the election.GDP growth in 2019 will be about 2.2%, down from 2.9%. The key contributors to growth are consumer spending and residential investment as a solid labor market helps consumers. Private investment was weakened by the trade war which also created a drag on net exports.Prediction: Leading economic indicators suggest economic growth will continue to slow in 2020 to about 2%. Strong consumer spending should continue to support growth, but the uncertainty will weigh on other sectors.Risk: GDP growth may decline more than expected if consumer confidence becomes tepid. Consumer confidence has a history of sharp declines when confronted by external shocks. If trade disputes are not resolved, a slowdown in global economic growth could dampen the U.S. economy as well.The labor market has supported growth as the unemployment rate has reached a 50-year low of 3.5% in 2019. The number of open jobs exceeds the number of job hunters, suggesting strong demand for workers. That’s leading to some acceleration in wages.Prediction: We expect unemployment rates and jobless claims to remain low. Although a significant decline in the unemployment rate is unlikely, it may dip to 3.4%. We also expect wages and nonfarm payrolls to advance modestly.Risks: Sustained weakness in business confidence has already led job growth in 2019 to be the weakest since 2010. If companies transition from slower hiring to actual job cuts, the unemployment rate could shift higher.The Fed has lowered its benchmark rate three times in 2019 and could cut one more time for a total of 100 bps in cuts.Prediction: The FOMC will likely be on hold early in the year as it assesses the impact of its cuts so far. If growth declines just moderately in 2020 as currently expected, the Fed would stay on hold throughout the year.Risk: Elevated political uncertainty and unresolved trade wars could weaken the economy and push the Fed to act. Additionally, if inflation fails to pick up despite the cuts so far, the Fed may feel it has room to act. Still, mortgage rates have moved lower well ahead of the Fed and might not decline in tandem.Editor’s note: This piece was written by LendingTree Chief Economist Tendayi Kapfidze and incorporates data originally published on the LendingTree website. Print This Post 2020 Affordability 2019-12-09 Seth Welborn Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Gazing Into the Crystal Ball: 2020 Housing Share Save Tagged with: 2020 Affordability Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Gazing Into the Crystal Ball: 2020 Housing Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Tendayi Kapfidze Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tendayi Kapfidze leads the company’s analysis of the U.S. economy with a focus on housing and mortgage market trends. Kapfidze served as Director of Global Economics at Pfizer, Director of Economic and Capital Markets Research at Ally Financial, and as VP and Senior Economic Analyst in the chief investment office at Bank of America. Tendayi earned his B.S. in Engineering Management at Saint Louis University and his M.S. in Applied Economics from Johns Hopkins University. He is a member of the Economic Club of New York. Previous: The (Empire) State of Mortgage-Backed Securities Next: Redefining Property Preservation Contract Work
The giveaway will be held at 1.p.m. at the O’Neil High School and school officials said they would like for people to not go anytime before 12:45 p.m. They also said you should stay in your vehicles and follow the signs that direct you, there will be a giveaway of one bag per vehicle. On their Facebook page, they announced that they have received many food donations from local companies such as Kraft Heinz in Walton and Lowville, Chobani, and Saputo. According to school officials, some of the items that will be given away include, milk, coffee creamer and half and half from Saputo, yogurt from Chobani and lemonade, ranch dressing, miracle whip, ketchup, barbecue sauce, macaroni and cheese, string cheese, cream cheese, sour cream, and cream cheese from Kraft. WALTON (WBNG)-Walton Central School District is holding a food giveaway for their community this coming Saturday.
Though he could not make it to the semi final, the Edo-born player received loud ovation from fans at the tennis club as they believed that he fought hard before bowing out of the first leg.“I feel great playing to the quarter-finals of the first leg of the Governor’s Cup this year. This is an achievement I will carry on to the second leg coming up next week.“What I need now is a little bit of rest after which I will begin my training for the second leg.“Mukund was a good player who I learnt has been going round the world playing circuits, an opportunity that eludes many of us here in Nigeria despite the fact that we are equally good on court, ” said Enosoregbe who entered the Governor’s Cup as a wildcard player.The other Nigerian who played in the quarter final, Sylvester Emmanuel, also fought hard before he was beaten by Egyptian Karim-Mohamed Maamoun in 2-6,7-5,1-6 match.Meanwhile, Boy Westerhof of The Netherlands was unable to make it past the quarter finals as he was stopped by the tournament number one seed, Spanish Enrique Lopez-Perez in straight set of 6-4,5-7.In the women’s singles, top seed, Valetini Grammatikopoulou of Greece continued her quest for glory as she defeated Bulgarian Julia Terziyska in straight set of 6-4,7-6(2). Tadeja Majeric of Slovakia also won her game against Omar’s Fatma Al-Nabhani who she defeated 6-0,7-6(2). Swiss Conny Perrin has an easy ride over Harmony Tan of France with a 6-1,6-0 victory.In the semi final matches scheduled for Friday, Lopez – Perez will face Egyptian player, Maamoun, while Mukund will battle Gianni Mina of France in the men’s singles. Top seed, Valetini Grammatikopoulou will settle scores with Conny Perrin in one of the semi-final games in the women’s singles, while Tadeja and Deniz Khazaniuk of Israel will fight for the final ticket.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram GOV’S CUP TENNISNigeria’s Clifford Enosoregbe failed in his bid to make it to the semi final of the Men’s Singles of the first leg (Futures 5) of 16th Governor’s Cup Lagos Tennis Championship as he lost to Indian’s Sasi Kumar Mukund in the quarter final match decided yesterday at the Lagos Lawn Tennis Club, Onikan.Enosoregbe lost the first set 1-6, before he forced himself back to the game to win the second set 6-3, but due to tiredness and loss of concentration, he could not make it in the third set as he was defeated by 2-6.
A black Staffordshire Terrier has joined the staff at Voodoo Letterkenny this Halloween for the busy night of festivities.The missing pup is being well looked after in the bar, but the team would much rather see him being reunited with his owner tonight.The dog has a white mark under his chin and is wearing a brown studded collar. If he is your dog, or you have any information that may help, please call 0868410327.Lost dog takes shelter in Voodoo Letterkenny – is it yours? was last modified: October 31st, 2019 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)
Instead of aiming for the bright lights and the big bucks of Hollywood, filmmaker Ntsikelelo Mavata returns to his hometown roots to make films about the people of Rhamnyiba, Eastern Cape. South Africa director Ntsikelelo Mavata on set mentoring aspiring filmmakers in the Eastern Cape. His company, Kwanontsomi Enterprise, makes short films, documentaries and is currently finishing its first feature film. (Image: Kwanontsomi Enterprise Facebook)CD AndersonMavata is a graduate of Johannesburg’s Big Fish Digital Filmmaking School, and has taken the technical and storytelling skills he learnt in the big city home to make films inspired by the people and stories of the rural Eastern Cape.Since 2013, Mavata and three friends have run a small production company called Kwanontsomi Enterprise. Assembling a closely knit team of local acting talent and technical crew, the company has gradually built up a catalogue of short films, documentaries and now a full-length feature film, all centred on Rhamnyiba village, outside King William’s Town.Mavata was recently featured in a video profile on News24’s Beautiful News website.Watch his interview here. [linked]Mavata’s love of films started at a young age: “I knew I wanted to make films from the first time I watched a bioscope at an elderly neighbour’s house for 50 cents when I was six,” he told LiveSA entertainment magazine in 2016.As a teenager, he started writing and producing school and church plays that got more ambitious with each new production. After finishing high school, he decided to make filmmaking his life and has never regretted the decision, despite the financial obstacles that stand in the way of many burgeoning creative talents.Watch one of Kwanontsomi Enterprise’s short film productions below: Realising that young filmmakers didn’t have “a huge support structure in this industry, which is why I found it important to pass on the skills I had learnt at [film] school”, Mavata began to mentor and guide aspiring filmmakers in the area.The Eastern Cape has a long tradition of storytelling, with people using music and art to express their creativity and represent their origins. Mavata says all his company really does is give those stories a platform and technology to reach a wider audiences. “Film is a perfect medium to archive who we are as a people,” he explains to Beautiful News.Through learning the art and business of filmmaking and getting to enjoy seeing their stories represented on screen, Mavata thinks the community is learning to dream big, and he hopes his own passion and dedication to the company’s various projects will continue to inspire more people to follow their creative goals.One of Mavata’s career highlights so far is his 2013 short film Illolo Lenkonde, which he made as his graduation film at Big Fish. It was shot with the help of the Rhamnyiba community.The film features a standout final performance by legendary South African television actor Moshoeshoe Chabeli (best known for his role in the SABC sitcom Mponeng) shortly before his death in October 2013.Watch Illolo Lenkonde below: In addition to developing new talent, Mavata and his company also work closely with a local high school, teaching learners the basics of filmmaking and the creation of strong, original stories.“We worked with around 35 to 50 students [at the nearby Victoria Mxenge High School], in grades seven through to 11… [covering] everything from coming up with ideas, scriptwriting, directing, sound and camera work,” Mavata told LiveSA. It is something he hopes will expand to other schools around the province.Another idea Mavata hopes to develop is to produce original local content and help to develop technical skills for the Nelson Mandela Bay community television station, Bay TV. “We already supply [documentary and actuality] content to them and are currently working on a [scripted] series… [and our first feature film called Kwanontsomi.]”Watch a short clip from the film, Kwanontsomi below: For more information on Kwanontsomi Enterprise, visit its Facebook and YouTube pages. Source: News24 / Live SA MagazineWould you like to use this article in your publication or on your website? See Using Brand South Africa material.
In this week’s Friday Field Notes, we will explore the resources available through cooperative extension to promote spiritual fitness. What is Spiritual Fitness?Spirituality is a broad spectrum of behaviors, values, and beliefs that individuals hold in regards to their own spirit or soul. For some, their spirituality involves a specific religion, but others practice spirituality through connections with others and/or nature. Spirituality is associated with lower rates of depression and anxiety as well as possibly assisting military families with coping with the stresses of military life.For some, spirituality is a key part of their self-care routine. To learn more about the importance of self-care routines, join Military Caregiving on July 10th at 11am Eastern Time for At Our Best: Caregiving Today, a part of MLFN’s Kids Serve Too! partnership with Sesame Street for Military Families. In this webinar, presenters will discuss the importance of self-care for caregivers and give ideas to start a self-care routine.Cooperative Extension and Spiritual FitnessCooperative extension provides resources to help individual and families focus on their spirituality. For example, North Carolina State Extension has collected resources in their youth-focused #passthemike initiative that deal with topics such as religious literacy, islamophobia, and antisemitism. Contact your local extension office to learn more about the programs and resources in your area.Mindfulness. Mindfulness is a great way to develop one’s spirituality. Please see our previous blog on psychological fitness to learn more about the opportunities cooperative extension provides to learn more about mindfulness.Self-care. Self-care is an important part of caring for one’s psychological health. Cooperative extension provides educational resources to learn about the importance of self-care, as well as ideas for self-care routines. For example, have a look at these ideas from Kentucky and Maine cooperative extension.
Your industry is different from other industries. What matters to you and your clients may or may not matter to someone else and their clients. The big trends that threaten your industry may benefit another industry. But when it comes to the principles of selling, your industry is no different than any other.You may feel that your industry is special when it comes to prospecting and creating opportunities, that it is somehow more difficult for you to gain the commitment of your prospective client’s time. Your industry is not to blame. The difficulty in gaining appointments crosses all industries, and the root cause is that you are not trading enough value for people’s time, and prospecting by its very nature requires that you call people who are right now uninterested in what you sell. The principle here is that you need a strong value proposition to command your dream client’s time.Your clients always tell you that your price is higher than your competitor’s, that it is too high, that you need to sharpen your pencil, or that what you sell is a commodity. If you in any way feel that your industry has been singled out for special treatment here, let me disabuse you of that belief. Most markets are more mature and more crowded than ever, and more options and more competition tends to lead to greater distribution of companies that create value at different levels, some choosing to compete on price, others on differentiated value. Who you are calling on and how you sell determines your experience here, not your industry. The principle here is knowing who your targets are and how to sell to them.The experience of having buyers take more time and engage more stakeholders in the buying process slow—or derail—your opportunities is not something exclusive to your industry. The fact that people are now looking for internal consensus before they buy is well-documented. The challenge this presents your industry is the same for other industries. The principle here is the need to control the process, and it is something that you know how to do effectively, or it is not.The experience you are having selling now is not different because of your industry. The challenges you are having are universal, and the ability to sell effectively through those challenges is known, documented, and being deployed by salespeople now.
A massive fire in a four-storey commercial building in Surat on Friday afternoon killed 21 students at a coaching centre. At least three students are still missing.Seventeen students have been admitted to hospitals in the city, some in a critical condition.The fire, which broke out around 3.30 p.m on the ground floor of the building, soon engulfed the third and fourth floors of Takshashila Arcade in the Sarthana area of the city. The students mostly between the ages of 15 and 19, were attending preparatory classes for an architecture exam. The walls and roof of the coaching centre on the top floor were made of plastic. As the fire spread through the building, including the staircase, the victims on the higher floors were trapped.To escape the blaze, several students tried to jump to safety from the building, which did not have any fire safety systems installed. Four such students were among those killed.Ninteen fire tenders and two hydraulic platforms were pressed into service, said an official of the Surat fire control room.Gujarat Chief Minister Vijay Rupani, who rushed to the spot, ordered an inquiry and announced compensation of ₹4 lakh for the families of each victim.Mr Rupani asked Principal Secretary, Urban Development, Mukesh Puri to submit a report in three days regarding the tragic incident.Following the tragedy, authorities have swung into action and ordered shutting down of all coaching centres and classes in Ahmedabad, Gandhinagar, Rajkot and Vadodara.“As a precautionary step, all coaching class, dance class, summer camp and all such premises which houses children shall be closed until further notice and fire safety compliance certificate from Ahmedabad Municipal Corporation fire department,” Ahmedabad Police said on the official twitter handle.Prime Minister Narendra Modi, Congress President Rahul Gandhi and BJP President Amit Shah and other leaders extended their condolences to the families who lost their loved ones.“Extremely anguished by the fire tragedy in Surat. My thoughts are with bereaved families. May the injured recover quickly,” PM said on Twitter.
Office-bearers of the Jawaharlal Nehru University Students’ Union (JNUSU) as well as student councillors from various schools at the university met the high-power committee set up by the Ministry of Human Resource Development at Shastri Bhawan on Wednesday and aired their concerns regarding hostel fee hike.In a separate meeting, various deans of the university also met the three-member panel and explained to them the rationale behind the revision of hostel charges.The JNUSU in a statement said, “We put across our view that the Inter Hall Administration meeting, which passed the fee hike and other unacceptable provisions in the hostel manual, was illegal as elected students’ representatives were not a part of it.” The union added that it made several attempts and appeals to start a dialogue process with Vice-Chancellor M. Jagadesh Kumar and his team, but it was clear that the administration did not want to work towards the resolution of the “crisis”. “We impressed upon the committee that until M. Jagadesh Kumar remains the JNU V-C, normalcy will be a far cry on the campus,” the statement said.The union said that it was willing to arrive at a new hostel manual passed through an acceptable deliberative process.The committee members gave a patient hearing to the students and assured them of another meeting when they visit the campus on Friday. “The students were pent up and they shared their concerns. The main thrust is that they expect more transparency, and a more participatory process,” said former UGC chairman V.S. Chauhan, who is a member of the panel.“We are focused on the core issue of hostel fee hike. We have invited students to come up with suggestions and will meet them again on Friday,” said Dr. Chauhan.“Everyone seems eager to resolve the issues quickly,” said the panel member, adding that a report with recommended actions will be submitted to the HRD Ministry “very soon”.The deans of the schools said in a statement: “We requested the committee to recommend increase in funds for the university so that students from economically poor section are able to afford a JNU education.”