It’s time for turkey again, and you are probably planning your trip to the grocery store to purchase one to feed your family this holiday. Now comes the tricky part: making a tasty turkey while combating bacteria and other foodborne pathogens.Cooking a turkey safely begins with proper thawing. Using unsafe thawing techniques and underestimating thawing time are common mistakes made by new cooks. The safest and most recommended method to thaw turkey is to leave it in the refrigerator. Leaving items out on the counter or in the sink is not a proper way to thaw.In the past, my family has been guilty of this. Following safe food practices are crucial, especially around the holidays when serving high-risk populations, such as pregnant women, grandparents and children. Thawing a turkey in the refrigerator can take up to 24 hours for every 5 pounds of turkey. A very large turkey can take more than two days to thaw. It is essential to plan ahead, unless you plan to buy fresh bird a few days before Thanksgiving.My family once woke up to find a frozen turkey just minutes before we planned to watch the Macy’s Thanksgiving Day Parade. If this happens, thaw the turkey in cold water or in the microwave. If you choose to thaw the turkey in cold water, make sure the turkey is wrapped tightly in leak-proof packaging, then put it into the cold water. The water should be changed every 30 minutes. If thawed in the microwave, the turkey must be cooked immediately. Rookie chefs often leave the giblet bag in the turkey. Everyone in my family has done it, and I’m sure that it has happened to a few of you as well. When cleaning the turkey, be sure to reach all the way into the cavity to extract the giblets.If you mistakenly leave the giblets in the turkey during cooking, remove them from the cooked turkey and carefully examine them. If they are wrapped in paper, then proceed to carving. However, if they were wrapped in plastic and there is evidence that the heat altered the state of the plastic, you should not eat the turkey or giblet items.Before cooking, remove the hock lock, the device that secures the legs. Even though hock locks are most often made of heat-resistant materials, leaving them on during cooking can make it much more difficult to cook the bird evenly.Now, for the million dollar question: How do you know when the turkey is cooked? Many seasoned chefs will have a different answer based on smell, look and time spent in the oven, but the only way to know whether your turkey has reached a safe internal cooking temperature – 165 degrees Fahrenheit – is by using a food thermometer. This will ensure that dangerous bacteria that cause foodborne illnesses have been destroyed. When checking the temperature of the turkey, place the food thermometer in the innermost part of the thigh and wing, and the thickest part of the breast. Personal preferences may call for cooking the turkey to higher temperatures, such as 180 F, to remove the pink appearance and rubbery texture.The best way to have a successful and low-stress Thanksgiving, Christmas, New Year or any time you serve turkey, is to plan ahead. Plan what to cook and in what order to ensure that you don’t experience a traffic jam in the oven. Cook foods with longer cooking times first, and prep food as much as possible before the big day. Plan a menu and write down your grocery list to prevent going to the store at the last minute for items like butter or eggs. It is also OK to share the love and to assign dishes to various family members.I wish you all the best of luck in preparing Thanksgiving dinner. Plan ahead, consider thawing and remember those giblets and cooking temperatures.
Dartmouth-Hitchcock has again been ranked among the best hospitals in the nation in U.S.News & World Report’s 2011-12 Best Hospitals, online at www.usnews.com/besthospitals(link is external). The rankings, annually published by U.S. News for the past 22 years, will also be featured in the U.S. News Best Hospitals guidebook, which will go on sale August 30. For the fifth straight year and for the ninth time since 1995, Dartmouth-Hitchcock has been recognized for its care in Gynecology. The latest rankings showcase 720 hospitals out of about 5,000 hospitals nationwide. Each is ranked among the country’s top hospitals in at least one medical specialty. ‘This recognition is a fitting acknowledgement of the excellent care our nurses, physicians and other clinical staff provide each and every patient,’ says Nancy Formella, M.S.N., R.N., co-president of Dartmouth-Hitchcock. ‘Our commitment to providing the highest quality, compassionate care is recognized every single day, but having this prestigious honor is a meaningful achievement. Dartmouth-Hitchcock is pleased to once again be recognized among America’s best health care institutions.’Dartmouth-Hitchcock’s Department of Obstetrics and Gynecology provides comprehensive services for women throughout New Hampshire and eastern Vermont including general gynecology, obstetrics, maternal-fetal medicine, reproductive endocrinology and infertility, gynecologic oncology, and urogynecology and reproductive pelvic surgery. Physician specialists from Dartmouth-Hitchcock Medical Center in Lebanon also see patients at Dartmouth-Hitchcock practices in Concord, Manchester, Nashua, and Keene, NH.‘We are committed to improving the lives of women in our communities and training the next generation of world-class gynecologic specialists,’ says Dr. Richard Reindollar, chair of Obstetrics and Gynecology. ‘I am honored to be part of such a talented team that delivers outstanding care for the entire spectrum of gynecologic issues.’Dartmouth-Hitchcock is New Hampshire’s only academic medical center. Internationally renowned, nationally ranked, and regionally respected, Dartmouth-Hitchcock integrates high-quality patient care, advanced medical education, and translational research to provide a full spectrum of health care.‘Although our patients are the ultimate and most important judges of our performance, it is gratifying to have this national recognition by U.S. News. I am especially pleased for the physicians and staff of the Department of Obstetrics and Gynecology, whose high standards of excellence have resulted in this honor,’ notes Dartmouth-Hitchcock co-president Dr. James N. Weinstein.Hard numbers stand behind the rankings in most specialties’death rates, patient safety, procedure volume, and other objective data. Responses to a national survey, in which physicians were asked to name hospitals they consider best in their specialty for the toughest cases, also were factored in. The core mission of Best Hospitals is to help guide patients who need an especially high level of care because of a difficult surgery, a challenging condition, or added risk because of other health problems or age. ‘These are referral centers where other hospitals send their sickest patients,’ said Avery Comarow, U.S. News Health Rankings Editor. ‘Hospitals like these are ones you or those close to you should consider when the stakes are high.’ ABOUT DARTMOUTH-HITCHCOCK: Dartmouth-Hitchcock is a national leader in evidence-based and patient-centered health care. The system includes hundreds of physicians, specialists, and other providers who work together at different locations to meet the health care needs of patients in northern New England. In addition to primary care services at local community practices, Dartmouth-Hitchcock patients have access to specialists in almost every area of medicine, as well as world-class research at Dartmouth Medical School and centers of excellence including The Dartmouth Institute for Health Policy & Clinical Practice (TDI).
Hikers spotted O’Connor just off the New Hance Trail, a difficult trail described by the park website as “not maintained and maybe the most difficult established trail on the South Rim of the Grand Canyon.” O’Connor was reportedly spotted hunkered away from the elements under an overhang. The hikers that spotted him reported what they saw to the backcountry information office and a rescue helicopter was sent to retrieve O’Connor the next day. It was not immediately clear whether the man suffered any injuries. Read more about the study here: https://www.nap.usace.army.mil/Missions/Civil-Works/Francis-E-Walter-Dam/Reevaluation-Study/ The Army Corps of Engineers is currently conducting a feasibility study to define problems, needs and opportunities associated with project operation—primarily focused on flood risk management. Opponents of the project are concerned about the risk of flooding, as the Francis Walter Dam is a flood control structure and was not designed to be a holding bank for New York City. Concerns are also expressed over the impact on the ecosystem of the Lehigh River. Three mountain lions in Arizona were euthanized after eating human remains close to a popular hiking trail. The Pima County Sheriff’s Department discovered the human remains last Tuesday during an investigation on the Pima Canyon Trail. Though the mountain lions are not suspected of killing the victim, they were captured and killed Wednesday night. The Sheriff’s Department is still trying to determine the circumstances leading to the victim’s death. Mountain lions killed after eating human remains A Texas man missing in the Grand Canyon was found alive last week after disappearing for 11 days. Martin E. O’Connor, 58, was last seen on December 22 at the Yavapai Lodge on the South Rim of the Grand Canyon. He had been traveling alone and was a guest at the lodge from December 17 to December 22. Man missing nearly two weeks in Grand Canyon is found alive Read the full story here: https://www.washingtonpost.com/travel/2020/01/03/hiker-went-missing-grand-canyon-national-park-before-christmas-almost-two-weeks-later-he-was-found-alive/ “Mountain lions are not routinely scavengers. A mountain lion eating human remains is abnormal behavior. Those that do are more likely to attack a human being in the future,” Game & Fish Department Regional Supervisor Raul Vega told KGUN. Francis Walter Dam in Pennsylvania considered for NYC water needs The Army Corps of Engineers, in partnership with the Delaware River Basin Commission and the New York City Department of Environmental Protection, is considering holding water from Pennsylvania’s Lehigh River in a reservoir to be used by New York City. A public meeting to discuss the project will be held on January 9 at 6pm at the Mountain Laurel Resort in White Haven, PA. The Army Corps of Engineers is also accepting comments by email at PDPA-NAP@usace.army.mil. Read the full story here: https://thesouthern.com/news/mountain-lions-killed-after-eating-human-remains-on-hiking-trail/article_6effe183-3c12-55dc-9e37-ab45d1306879.html
2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr CUs face big mortgage documentation decisions before Aug. 1, 2015.by: John LevyThe close of another year naturally causes most people to think about the year ahead. For our industry, it is a time to ponder such questions as, what will be the defining trends? What will be next year’s biggest stories? What do we face as our primary compliance challenges?This last question might be bringing most credit unions to a screeching halt. Not that managing burgeoning regulatory changes is anything new to today’s executives, but there are some fairly serious deadlines looming. Realize it or not, we are less than a year from the TILA-RESPA Integrated Disclosure Rule issued by the Consumer Financial Protection Bureau, with a go-live date of Aug. 1, 2015. The new rule is meant to make the information on mortgage disclosures easier for consumers to understand by consolidating forms required under the Truth in Lending Act and the Real Estate Settlement Procedures Act, as well as eliminating miscellany data.The TILA-RESPA rule is meant to create a friendlier borrower atmosphere. For instance, two new documents—the loan estimate and the closing disclosure–will consolidate several other forms previously used, simplifying the consumer’s experience. Also, it is supposed to ensure there is no extra, unnecessary data on disclosures, making the display format more convenient for the borrower to view and understand. An example would be removing the option for zeros or N/As to display on documents that disclose costs and the APR. The key is to show only the information relevant to a particular borrower’s situation. continue reading »
NCUA Chairman Hood recently said. “For nearly a century, credit unions have had a history of serving their members and stepping up in the most difficult times.”It’s true. Credit unions are going to extraordinary lengths to support their members, employees, and communities in this time of massive social and financial disruption. Lots to be proud of, for sure.But don’t celebrate too much. The problem is, we have not done all we could have done to prepare our members for that “most difficult” time in the first place. It doesn’t need to be a global pandemic – even a short-term job loss, car repair or illness can financially ruin our members.In this way, we have failed our members – again. During the peak of the great recession there was a tremendous focus on the short-term need to deliver credit to those most impacted. There was also a lot of conversation and energy around the need to fundamentally restructure the financial health of US households, to reduce the financial vulnerability of families. Research at the time highlighted this ugly fact – despite the strong run of the investment markets and real estate, almost half of US households did not have access to $500 in liquid assets to deal with a financial emergency.And, it is even worse now. Fast forward to 2020 and after an 11-year bull market and record employment numbers, 46% of US households have still not accumulated a $500 emergency fund. According to a Bankrate survey in July of 2019, just 18% of Americans say they could live off their savings for at least 6 months. That is the lowest percentage of people with an adequate savings cushion in the 9 years Bankrate has been conducting the poll. We are headed in the wrong direction.We’ve been focused on solving the wrong problem. Let us be clear – the biggest financial resiliency problem most US households have is not access to affordable credit – it is a lack of savings that provides a cushion in times of economic need. For too long we have bought into these mis-informed opinions:Our members do not know they should be saving: Study after study shows exactly the opposite. Surveys show that households at all income levels know they should be saving and can identify the benefits of having robust savings.We need to improve our financial literacy efforts to educate members on how to save: Turns out that most financial training, especially for adults, has little or no long-term impact – it makes us “smarter” but does little to shift behaviors. This study looked at a significant amount of published research reports and found the correlation between financial literacy and positive financial behaviors was very small.Households are living paycheck to paycheck and do not have the ability to save: Once again, surveys show that while income can be an issue, most households have a spending problem. When surveyed by the Common Cents Lab at Duke, 88% of low- and moderate-income households were able to identify 3 ways they could alter spending to begin saving, but follow-ups found almost none of them made a lasting shift in behavior.So, what do we do about this as an industry? Behavioral economics gives us some ideas. Knowledge does not usually drive behavior change, but we have some good insight about tools and techniques that do:Default members into a regular savings plan. Automatically enrolling new members into a plan that moves a set amount each payday from the transaction account into their savings account has shown great results in the credit unions that have implemented this intervention. Members can opt out, but few do, and balances are sticky.Add a savings component to new loans. Include in the loan payment an additional amount that goes to the member’s savings account every month. You escrow for insurance and taxes, you should “escrow” for those predictable expenses or eventual repairs on the home or car you are financing.Make savings the preferred behavior. Rather than encouraging your members to buy a new car when their current loan pays off (as my credit union did), suggest members allow the automated deduction to continue and post it to their savings account.Actively and aggressively work with members to establish short, medium- and long-term savings goals. Break big goals into smaller pieces to make them more obtainable. Do not tell the new parents they need to save $200K for college, tell them they need to save $50 this month. Track those goals and provide feedback and encouragement regularly.Provide financial education as close to the point of action as possible. For instance, mortgage training immediately before members begin the house search has the potential to be very impactful. Research shows training is most useful when delivered near the point in time when the member might actually apply it.Add some friction (make it harder) for members to do behaviors that are not in keeping with their savings goals. Or, said another way, recognize that we tend to do what is easiest. Make savings easy, easy, easy.Make sure your internal rewards and recognition system for your teammates celebrates success in member savings levels. You cannot tell your staff that savings levels are important and then only reward loan generators. Well, you can, but do not be surprised when nobody cares about savings.And here is the big one:Measure success based on increases in the level of member savings (instead of just loan growth and balances). How might your organization evolve if you focused on shifting members’ behavior toward financial resiliency and away from spending and consumption?I am reminded of the CU CEO who was concerned members were not listening because the quarterly member financial literacy training was not showing an increase in members’ savings levels. A closer look showed that between those quarterly programs promoting saving, more than 90% of the messages delivered to the members were about mortgages, car loans, consolidation loans, and credit cards. Only about 4% of their communication focused on the broad topic of savings. The members were listening and responding in a totally predictable way.The good news is that your members do listen to you. They count on you to guide them through times good and bad. And, in the short run, they are going to be very appreciative of the support they are getting from you in this crisis. You need to start thinking now about what you will do to ensure your members are in a better position to weather the next financial storm. Let us not fail them again, there will be another storm… 17SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Rick Leander Rick Leander is Founder and Managing Partner of LFB Holdings, a behavioral insights consultancy that works with established and startup enterprises.At LFB Holdings we teach clients how to leverage … Web: www.lfbholdings.com Details
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » NCUA issued a risk alert (20-RISK-02) highlighting the risk of fraud associated with the COVID-19 pandemic. Scammers are attempting to take advantage of opportunities made possible through new or expanded large government programs arising from emergency situations, such as the CARES Act.According to NCUA, the alert is intended to describe increased risks associated with routine operations, outlines red flags associated with common fraud schemes in major CARES Act programs, provides references and avenues to report fraud or misconduct to the most appropriate authorities, and also provides member education resources.Common fraud schemes include:Financial institution fraud, including new account fraud, identity theft, cybersecurity risks, imposter and money mule schemes, and mobile banking application fraud are on the rise because of the predominately virtual environment, and the significant shift towards remote access;
“You needed to know how to navigate by the stars. There is no GPS in space, there will be no GPS in space, so you really had to get pretty good to understand where the stars are and how you flew threw them,” said Sherwood. “How did so few people invent so much? We are a remarkably creative community that has led the way in technologies in aviation, not just simulating flight, but actually making things fly,” said Sherwood. TechWorks! is currently home to the Apollo Mission Simulator and Lunar Module. It was constructed in hanger two at the Binghamton Airport back in the 1960’s. Without it, astronauts wouldn’t have been able to get around in space. That’s where everything took off. Link used the simple bellow technology to develop a flight simulator that would go on to train thousands of pilots and astronauts. By taking the components of a musical instrument and turning it into technology that would eventually launch a man to the moon, Sherwood says, is a testament to the ingenuity of the Southern Tier. “It’s said that of all the simulations for visuals and simulators they’ve tried, NASA has said this is the one they like the best,” said Susan Sherwood, executive director of the Center for Technology and Innovation, better known as TechWorks!. BINGHAMTON (WBNG) — With astronaut and Apalachin native Doug Hurley heading into space in the coming days, TechWorks! is discussing Binghamton’s major role in developing modern aviation and space travel. It all started when Edwin Link was sitting on an organ bellow during lunch. Someone told him a joke, he laughed, and when the bellows moved, Link says it simulated the feeling of flying. Sherwood says the Apollo Mission Simulator is currently on loan from the Smithsonian Institution for reconstruction and restoration. TechWorks! is looking to return it to it’s original condition.
– Advertisement – – Advertisement – The report had claimed that Milton, who has since resigned as chairman, had made false claims about the company’s proprietary technology to form partnerships with large automakers. Nikola publicly rejected all accusations. Trevor Milton CEO of NikolaMassimo Pinca | Reuters Nikola and its founder Trevor Milton received grand jury subpoenas from the U.S. Department of Justice in September in connection to allegations of fraud by short-seller Hindenburg, the electric-truck maker said in a regulatory filing late on Monday.The company also received a grand jury subpoena from the New York County District Attorney’s Office in the same month.The U.S. Securities and Exchange Commission also issued subpoenas to Nikola, its board and eight of its officers and employees in September, the company disclosed in the filing, which was prompted by the short-seller’s scathing report earlier that month.- Advertisement –
The entrance to the new Pebblestone land release at Willowbank.NEW land has been released at the hugely popular Willowbank estate for the first time in two years.Pebblestone is the latest offering by Parkside Development comprising 10 lots ranging from 680sq m to 1070sq m, located off Willowbank Drive in Kirwan. The new land release is aimed at the premium market with lots starting at $231,000 and going up to $269,500.Parkside Development land sales manager Paul Fotinos said the 10 blocks could be the last land released at Willowbank for some time and they had already sparked the interest of potential buyers.“As soon as we started putting signs up and doing earthworks in here we had interest,” he said. “The difficulty is people that aren’t in the market don’t know what land is worth.“This is not traditional first homebuyer land unless they are in their late thirties or forties with a good income, then this could be their first home. It would more suit people wanting to upgrade to their second or third home.”The estate is surrounded by high-quality homes and has mountain views. It’s close to shops, schools, sporting facilities and the Avenues Tavern.More from news01:21Buyer demand explodes in Townsville’s 2019 flood-affected suburbs12 Sep 202001:21‘Giant surge’ in new home sales lifts Townsville property market10 Sep 2020The master plan for Willowbank featuring the new Pebblestone land release.Parkside Developments marketing manager Fiona Montgomerie said Pebblestone filled a gap in their offerings by serving the premium market. “It’s aimed at the premium market because the price will dictate that but also the size of the land and the quality of the homes that are around it,” she said.“The existing estates we’ve got are Greater Ascot, Cosgrove and Liberty Rise, so this would complement that mix because Greater Ascot and Liberty Rise generally have blocks smaller than 800sq m.“Now if a buyer comes to us we have several estates that can help them and adding this to the mix adds a premium option for those people who aren’t looking for the smaller, downsizer lots and want something bigger.”Mr Fotinos said unlike many other estates in Townsville, Pebblestone would exclusively feature large lots, helping the homes to retain their value.“The thing about Willowbank that makes it work so well is that it’s big lots all together,” he said. “Parkside went in with the belief of keeping the block sizes large and giving people confidence that when they build, the people around them are going to build something similar, which helps with property values.”For more information visit willowbankestate.com.au.
MORE REAL ESTATE STORIES FOLLOW US ON FACEBOOK Maximise your tax refund City buyers drawn to beach tower Sue and Rebecca Ferris after the auction of 20 Hoogley St, West End on the weekend. Picture: Debra BelaA BRISBANE auction has redefined retirement living after an entry level cottage in the inner suburbs was snapped up in three minutes on Saturday by a daughter buying a house for her elderly parents.The auction was over in roughly the time it took for a motorised scooter, bicycle, motorbike and a handful of cars to pass by 20 Hoogley St at West End.“This is pretty unusual, selling a Queenslander to a couple in their 70s,” Ray White South Brisbane agent Luke Croft said.“This is the time where people think about going into apartments, but they wanted somewhere with a bit of action.” The house, affectionately called ‘The Hoog’ by sellers Leanne and Nick, sits on a tiny 240sq m block with townhouses on the back fence line.The auction day crowd of 30 had to gather kerbside for the sale, with five registered bidders, mostly families wanting to capitalise on the inner city school catchment.More from newsParks and wildlife the new lust-haves post coronavirus12 hours agoNoosa’s best beachfront penthouse is about to hit the market12 hours ago The crowd gathers outside 20 Hoogley St, West End before the auction begins.The three-bedroom house with 90sq m of living space was considered so small that the sellers, who had the property tenanted at $580 a week according to CoreLogic property data, had elected to stay at home for the auction.“We live around the corner and we thought (if the auction was inside) there’d be nowhere for us to go,” Leanne said by phone afterwards.Ray White auctioneer Phil Parker suggested an opening bid of $800,000 which was revised to $780,000 with three active bidders, one on the phone.Rebecca Ferris, with her husband, daughter and mum by her side, joined the auction at $830,000 at which point the phone bidder pulled out. The kitchen looks out over the back deck. Picture: Supplied.The underbidder, who lived a couple of streets away and was keen to renovate underneath to add extra rooms for his family, went as high as $855,000, but Ms Ferris countered with $860,000 and after a brief pause to consult the owners, the house was announced to be on the market and it sold to the Ferris party.“Now that it’s done and dusted, what were you thinking of going to?” the underbidder asked after the auction.“Not much above that,” Rebecca Ferris said. “We could have gone higher but not for that property.”All that is left is for Sue and Ross Ferris to put their Victorian terrace home near Melbourne’s Flemington Racecourse on the market.“That’s why we wanted to look at something older too, we are familiar with an older house. We don’t care about a bit of maintenance,” Sue Ferris said.“We didn’t want something with a big backyard or a pool and we didn’t want anything split level inside.“We will put a lift in to go from downstairs to inside the house. We have one where we are now.” The three-bedroom house at 20 Hoogley St, West End. Picture: Supplied.The busy location will be a perfect fit for Rebecca Ferris’s mum and dad who are relocating to Brisbane from Melbourne to be close to family.“We’ve been living in Kensington for 27 years and we wanted to come to a similar community closer to town,” Rebecca’s mum Sue Ferris said after the auction.“We want traffic, we don’t want suburban, there is life here.”