Indiana Ranking As A Child Care Desert

first_imgIndiana Ranking As A Child Care DesertOCTOBER 31ST, 2018 AMANDA PORTER INDIANAIndiana families are finding it more difficult to find quality childcare for infant and toddlers. CChildcaredeserts are growing in rural areas especially affecting low-income families.Parents know child care is expensive, but these days expensive takes on a whole new meaning. The average cost of infant care is nearly $15,000 per year.The Center for American Progress found child care slots are shrinking for Indiana families leaving many with a burden they can no longer bear, and it affects their quality of life.For Indiana mother Tiffany Taylor finding and paying for child care is a struggle.“You have to work a whole extra job just to pay for childcare, good childcare,” says Taylor.While Indiana’s population is growing access to licensed child care for new families is shrinking.Low-income families in rural areas are affected the most.“If you don’t have money for daycare, you can’t go to work. If you can’t go to work, you can’t have money for daycare. So it’s just a never ending struggle with kids,” says Taylor.Programs like the 4C’s of Southern Indiana take time, or a referral.“They were talking about an 8 month waiting list for their vouchers to help pay for it so unless you have 8 months to wait for a voucher you have to pay out of pocket,” says Taylor.It’s a cost some families can’t afford.“If I have to work and pay for day care, I don’t even have enough after day care to pay for my bills.”An analysis by the Center for American Progress finds the number of children younger than three surpasses the amount of child care slots available for infants and toddlers.In Indiana, there are more than five infants and toddlers for every licensed child care slot.Three or more children per provider is classified as a child care desert.“It is critical that you have the numbers and the ratio right but at the same time it eliminates any of the slots that are available to families and participants,” says Carver Community Organization executive director, David Wagner.Its’ hard to find a balance in the price of care and quality workers.“We do develop a waiting list, but we try to help families find services as quickly as they can,” says Wagner.“Childcare is an economic development issue and it needs to be looked at as that. If you want quality work force then you are going to have to have quality child care.”That’s why many families like Taylor’s are forced to find alternatives.“Luckily my rent is low right now so I don’t have to struggle too much, but there are churches who help with programs so I take advantage of those,” says Taylor.Child care providers say it is critical to enroll children in quality services in their developmental years.Resources:4C’s of Southern IndianaCarver Community OrganizationChild Care AwareIndiana Association for Childcare Resource & Referral Brighter Futures Indiana CommentsFacebookTwitterCopy LinkEmailShare TwitterFacebooklast_img read more

Solar bids hit new record low in India

first_imgSolar bids hit new record low in India FacebookTwitterLinkedInEmailPrint分享Clean Technica:Two of India’s leading solar power developers have managed to win possibly the largest capacities ever awarded in a single tender in the country.Acme Solar and Azure Power managed to secure the rights to develop 600 megawatts of capacity each in the largest solar power tender issued by the Solar Energy Corporation of India to date. The tender is jointly the largest tender issued in the country ever. Tenders with 2 gigawatts of capacity each were issued by the states of Jharkhand and Telangana.The tender was issued in January this year and attracted bids worth 2.95 gigawatts in the final round of auction from eight developers. Acme Solar and Azure Power each placed successful bids to develop 600 megawatts of capacity. While Acme Solar placed the lowest-bid of Rs 2.44/kWh (3.55¢/kWh), Azure Power secured the capacity at Rs 2.53/kWh (3.69¢/kWh).The bid of Rs 2.44/kWh (3.55¢/kWh) is jointly the lowest-ever in Indian solar power markets.Other successful bidders include Shapoorji Pallonji (250 megawatts), Hero Future Energies (250 megawatts), and Mahindra Susten (250 megawatts). Adani Green Energy also placed a bid for 500 megawatts, but managed to secure only 50 megawatts due to over-subscription of the tender.The reasons for such low tariff bids are multi-fold. One, the developers are free to set up projects wherever they want, and the capacity on offer is very large. Second, the power purchase agreements will be signed with SECI—a government-owned company—which represents very low risk. Third, no charges for transmission of solar power across different states.More: India’s largest solar tender yields lowest tariff everlast_img read more

Overdraft privilege enhances non-interest fee income and helps credit union members

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr As regulators continue to scrutinize rules affecting overdraft programs, having robust software that provides more efficient program management can help increase revenue. We wondered how well offering an overdraft protection program, or ODP, would work for real members, so I set to find out.Lance Worsham, VP finance for Allegiance Credit Union in Oklahoma City told me they use John M. Floyd and Associates (JMFA) for their overdraft privilege program, which offers analytics, reporting, and tracking. They had used JMFA’s program from June 2009 through May 2011 and continued to use their software and compliance piece afterward. Then in May 2015, they contracted with JMFA again to jumpstart their program.How has it enhanced Allegiance’s non-interest fee income as a result? Prior to 2009, they had seen a steady decline in their overdraft fee income. “With JMFA’s program, we saw an increase in fee income of 38.50 percent in the first year, and 24.20 percent the second year,” Worsham said. “Once the contract ended, the decline started again.”That was the reason they decided to re-contract with JMFA and employ the overdraft privilege program again. “It has been extremely successful,” Worsham noted, “with an increase in our fee income of nearly 17 percent since May 2015. For a seasoned program such as ours, we are very happy with the results.” continue reading »last_img read more

Syracuse attack Emily Hawryschuk nominated for 2019 Tewaaraton Award

first_img Published on April 25, 2019 at 4:29 pm Contact Eric: [email protected] | @esblack34 Two days after being named to the All-ACC first team for the second-straight year, Syracuse junior attack Emily Hawryschuk has been named one of 25 nominees for the Tewaaraton Award, the lacrosse equivalent of the Heisman Trophy.She is the lone SU representative among the nominees, though fellow attack Nicole Levy and defender Sarah Cooper were named to the award’s watch lists earlier this season. The Victor native leads the Orange with 61 goals and 78 points, both of which are career-highs, and also paces the team with 45 draw controls.Hawryschuk is joined on the list of nominees by 10 other players from the ACC, including four from Syracuse’s next opponent, Boston College. Reigning Tewaaraton winner Sam Apuzzo, who scored seven goals versus the Orange earlier this season, leads the quartet of players from BC.No. 4 Syracuse (15-3, 5-2 Atlantic Coast) will take on the top-ranked Eagles (18-0, 7-0) on Friday at 5 p.m. in the semifinals of the ACC tournament after they defeated No. 7 Virginia, 12-10, on Wednesday. The Orange gave BC its toughest test of the season on Feb. 16, when they jumped out to a 7-2 lead before ultimately losing, 14-12.AdvertisementThis is placeholder text Comments Facebook Twitter Google+last_img read more

Nation Brand FAQs

first_imgYou might have heard of nation branding but do not know what it actually means. You may even want to know more about it. In the spirit of Brand South Africa’s upcoming Nation Brand Forum, we present to you the answers to some frequently asked questions on nation branding.What is nation branding?It is about managing a country’s image, usually portraying it in a positive light.What makes up a nation brand?To create a positive image about a country, there are six things that a brand should cover. These are: business, tourism, exports, culture and heritage, governance and people.Who came up with the nation brand concept?British policy advisor, Simon Anholt had come up with the term and the practice of nation branding. He also created the Nation Brand Index, which was launched in 2005, as a way to measure a country’s reputation.How is nation branding different from product branding?Product branding is concerned with promoting a single or number of products or services, which can be very simple. But unlike the branding of a product, the branding of a nation covers many aspects that make up a country. When a foreign tourist thinks of South Africa, the images that immediately come to mind are of wildlife, Nelson Mandela, gold and diamonds. While those are great selling points of South Africa, we know that there is so much more that makes this country great, such as its beaches, its food and most of all, its friendly people.Who is responsible for branding South Africa?It might be easy to say that it is Brand South Africa’s job to create a good image of the country, but in reality it is up to every South African citizen to build that reputation.How can I create a positive image of South Africa?Start by being an active citizen, or in other words, by helping your community thrive. Start a movement, bring your ideas to life or, if you are a sportsperson, coach the children in your neighbourhood. You as a South African have the power to make this country great.last_img read more

ZCF HAIR Style 16” 18” 20” 22” 24” 100% Real Human Hair Tape-In Human Hair Extensions Straight Hair 17 colors – I recommend a product of good quality

first_img Good quality, wish the strips were a bit wider. I waited about 3 months to post this review to see how the hair held up. I’ve never used tape ins before but have tried pretty much every other method including micro rings, nano rings, glue in, clip in, glue bonds and so on, but i’ve never been happy with them as you can still see the bonds. My hair doesn’t seem to grow on the sides on my head passed my chin so i like to fill in the gaps. After watching many youtube videos i got the technique down and started applyingthe hair was a perfect match to my hair colour so that was nice. The ends were quite thick, didn’t taper much like some do but i cut them by a couple of inches anyway so it doesn’t matter. There isn’t much shedding at all with this hair, i was very pleasantly surprised. The hair is soft and comfortable to wear. I did notice some dark coarse hairs but not that many. The hair lasted really well, the bonds were strong and didn’t damage quickly. I wore it for about 6 weeks or more before taking it out. The hair was still soft but the ends had suffered slightly from heat styling, they knotted up a bit more than when i got them and didn’t stay soft and smooth but i trimmed them and they were ok again. I dyed my hair slightly darker blonde once i’d taken them out and did the extensions to match. The extensions dye really well, stayed in good condition. Features of Style 16” 18” 20” 22” 24” 100% Real Human Hair Tape-In Human Hair Extensions Straight Hair 17 colors for your choose Beauty Design Salon (22inch 20pcs 60g, lila/light purple)100% Remy Tape IN Human Hair ExtensionsTransform your hair from short to long in a matter of minutes – whenever you like!You will feel more confident and look more amazing!Can be easily washed and styled like your own hair!Straight hair ,20pcs each pake ,in usually should buy 2-3 pakes for a full head Hair quality ok just the tape could be better. Happy with this product, definitely recommend. I’m so happy with the product. Fantastic product, easy to use. Happy with this product, definitely recommend. I’m so happy with the product. Good quality, wish the strips were a bit wider. Good quality hair for the price lasted well would buy again. Colour was good and quality of the hair is fine. Have them in now 4 over a week and there doing fine. Would order again ?make sure you order enough packs. My hairs a bit thick and i had to order 4 packs. I recommend a product of good quality. Hi, i recommend a product of good quality. When trouble fast communication, so sorry for the grant of the negative commentary. Absolutely fantastic, so light and will not damage hair. Absolutely fantastic, so light and will not damage hair, really natural looking. I recommend a product of good quality. Hi, i recommend a product of good quality. When trouble fast communication, so sorry for the grant of the negative commentary. Fantastic product, easy to use. Perfect arrived very quickly very happy. Good quality hair for the price lasted well would buy again. Perfect arrived very quickly very happy. Good colour, undetectable, stays in place really well. I waited about 3 months to post this review to see how the hair held up. I’ve never used tape ins before but have tried pretty much every other method including micro rings, nano rings, glue in, clip in, glue bonds and so on, but i’ve never been happy with them as you can still see the bonds. My hair doesn’t seem to grow on the sides on my head passed my chin so i like to fill in the gaps. After watching many youtube videos i got the technique down and started applyingthe hair was a perfect match to my hair colour so that was nice. The ends were quite thick, didn’t taper much like some do but i cut them by a couple of inches anyway so it doesn’t matter. There isn’t much shedding at all with this hair, i was very pleasantly surprised. The hair is soft and comfortable to wear. I did notice some dark coarse hairs but not that many. The hair lasted really well, the bonds were strong and didn’t damage quickly. I wore it for about 6 weeks or more before taking it out. The hair was still soft but the ends had suffered slightly from heat styling, they knotted up a bit more than when i got them and didn’t stay soft and smooth but i trimmed them and they were ok again. I dyed my hair slightly darker blonde once i’d taken them out and did the extensions to match. The extensions dye really well, stayed in good condition. No drill holes in some of the. Really difficult to put together compared with one we bought from another supplier. No drill holes in some of the pieces. Bed seems sturdy enough after finally being pit together. Colour was good and quality of the hair is fine. Have them in now 4 over a week and there doing fine. Would order again ?make sure you order enough packs. My hairs a bit thick and i had to order 4 packs. SummaryReviewer Nathalie DuboisReview Date2018-02-01 06:38:36Reviewed Item Style 16” 18” 20” 22” 24” 100% Real Human Hair Tape-In Human Hair Extensions Straight Hair 17 colors for your choose Beauty Design Salon (22inch 20pcs 60g, lila/light purple)Rating 5.0 / 5  stars, based on  29  reviewsPrice£38.75 Easy to apply but drove me nuts 1 week into wearing them but look amazing. Super soft shiny hair just what i wanted. No drill holes in some of the. Really difficult to put together compared with one we bought from another supplier. No drill holes in some of the pieces. Bed seems sturdy enough after finally being pit together. Great for the money!Happy with This product, definitely recommend!!Poor instructions. No drill holes in some of the last_img read more

Utica FFA visits Ohio Legislative Leadership Conference 2019

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Front Row, L-R: Abby Paxton, Amanda Annett. Back Row, L-R: Hadley Ramirez, Emily Hill, Amanda AnnettBy Abigail Paxton Utica FFA Reporter 2019-2020On September 25, some of the Utica FFA Chapter officers took a trip to the Ohio Legislative Leadership Conference or OLLC. The 5 officers that went were; Rachel Dickson(President), Emily Hill(Vice President), Amanda Annett(Treasurer), Hadley Ramirez-George(Secretary), and Abby Paxton(Reporter). The officers traveled to the Ohio State House for the Conference.Throughout the Conference, the officers  learned and did several actives on leadership during the day. During the first session, the officers learned about lobbyist and representatives. They learned what they are, what they do, and how anyone can do it. Then, they did an activity on the two topics. All the FFA members that went were divided into 22 groups, 11 were lobbyist trying to get a certain chosen topic changed by law and the other 11 were representatives, half of the groups were republican and half were democratic. The lobbyist would go around to the representative groups and try and get the law changed on their topic. Based on the representatives view in the folder, the groups would answer on what they would do to the law. Either they would choose to change it or keep it the same.After all the groups went around they reflected on the pros and challenges of the activity. The activity taught everybody respect, leadership, and showed that anyone can have an option and try to change it. After the first session was dismissed, the officers had a chance to explore the State house before the luncheon. The explored the Senate Chambers and learned new facts about the building. During the luncheon, many people representatives of Ohio FFA and the Ohio Senate spoke.  The team learned a lot from everything they did and had an amazing time!last_img read more

Top 10 Startup Products of 2009

first_imgdana oshiro Real-Time Reference – Aardvark: Reinventing Q&A, ReadWriteWeb covered Aardvark’s launch in March 2009. The service allows users to ask and answer questions through a network of friends via IM, iPhone application, Twitter, email or web interface. Because the system automatically routes questions to people with the right expertise, answers are fairly accurate and there is little need to use the service’s flagging system. The company claims that 90% of questions get answered in five minutes or less.Location-based Apps – Foursquare: Launched at SXSW, Foursquare is a location-based social application where users check in on their iPhone at various businesses and compete against their friend network for points. ReadWriteWeb first covered the company’s launch in March. Since then it has partnered with Bay Area Rapid Transit and a number of businesses to offer location-based deals to users.iPhone App Recommendation – Appsfire: In a world where iPhones seemed to saturate the earth, Appsfire offers a great way for users to share their favorites. Launched in August, ReadWriteWeb praised the convenience of the iPhone app. Four months after downloading it, many of our RWW teammates are still sharing their apps via the embeddable Appsfire widget and the iPhone application.Real-Time Search – Collecta: If you’re interested in finding out the latest info on a particular product, Collecta offers real-time search with a variety of results including blog posts, photos and Twitter and Identi.ca posts. ReadWriteWeb covered the company’s release, which launched in June. In September the company released its API to developers.Twitter App Discovery – OneForty: Dubbed the “unofficial Twitter app store,” OneForty is a marketplace where Twitter developers add their applications for discovery. End-users can add their reviews and recommendation to be featured on the service’s front page. Launched in September, Oneforty breaks down the applications into easy-to-understand categories and features the most popular apps and recently uploaded apps on the homepage.All-You-Can-Eat Music – MOG All Access: Although MOG has been around as a blogging network for a few years, earlier this month the company launched its much-anticipated $5-per-month streaming music service. The product’s unique features include a discovery bar slider where users can play streaming radio and tweak the flow of recommendations to their liking. Coupled with an iPhone app that is promised to encompass offline caching, MOG All Access is a great service rivaled only by close competitor Spotify.Web TV – Clicker: Launched in mid November, Clicker is considered the TV Guide for Internet television. The company indexes 400,000 full episodes from 7,000 shows and features a DVR-like playlist (including Netflix Instant Streaming and Amazon VOD) and integration with Facebook connect. Clicker also has a Boxee app that pulls in metadata for shows, channels and actors.Semantic Search – Evri: Evri is a semantic search engine with a matching algorithm that creates connections between people, products and concepts. Launched in mid-June, ReadWriteWeb first reported the product’s ability to distinguish between subjects, verbs and objects to make connections.Conversation Aggregation – JS-Kit’s Echo: While JS-Kit has been around for three years, the company’ latest product Echo is a better iteration of blog comments. ReadWriteWeb first wrote about the product launch in July. The service allows users to embed a simple line of javascript in their blogs in order to gather a real-time stream of Diggs, Tweets, comments and reactions.Augmented Reality – Layar: ReadWriteWeb readers first got a glimpse of Layar in June. Created by SPRXmobile, the service places images and data on the mobile browser for a new form of location-based augmented reality discovery. In July, SPRX released the company’s first developer keys for the API and by August it had celebrated an Android release with an iPhone app to follow. The company currently has a gallery with several cool 3rd-party applications. 8 Best WordPress Hosting Solutions on the Market There were a ton of great products launched in 2009 by big companies and startups alike, but in this post we focus on the best products released by startups.The easiest way to become a leading product in your industry is to meet a need better than anyone else. The following 10 have proven themselves with great features, substantial marketplace momentum and, most importantly, a game-changing approach to solving a problem.ReadWriteWeb’s Best Products of 2009:Top 10 Mobile Web ProductsTop 10 Consumer Web AppsTop 10 Semantic Web ProductsTop 10 International Web ProductsTop 10 RSS & Syndication TechnologiesTop 10 Enterprise ProductsTop 10 Internet of Things ProductsTop 10 Real-Time TechnologiesTop 10 Startup ProductsTop 10 Web Platforms Tags:#2009 in Review#web#Year in Review Why Tech Companies Need Simpler Terms of Servic… Top Reasons to Go With Managed WordPress Hosting Related Posts A Web Developer’s New Best Friend is the AI Wai…last_img read more

Open Thread: Is the iPad a Flop?

first_imgfrederic lardinois See also: ReadWriteWeb’s complete coverage and analysis of the iPad on our iPad topic page. Related Posts Tags:#Apple#Open Thread#web Why Tech Companies Need Simpler Terms of Servic… A Web Developer’s New Best Friend is the AI Wai… 8 Best WordPress Hosting Solutions on the Market So far, the reaction to Apple’s iPad has been very mixed. For some, the absence of a camera is a deal breaker, while others bemoan that Apple still doesn’t allow multitasking on its iPhone OS and that Safari still doesn’t support Flash. Others, however, are excited about the iPad’s potential as an e-book reader and gaming device. Here at ReadWriteWeb, opinions are still mixed as well. Reactions among our writers range from advising people to wait for the iPad 2.0 to giddy excitement about the prospect of a better couch-surfing device.Tech Pundits: Mixed ReactionsAll of the tech pundits who attended the launch event and actually used the device for a few minutes were impressed by the iPad’s speed. John Gruber, who also wrote one of the most balanced evaluations of the iPad launch so far, went as far as to argue that Apple’s A4 processor is the iPad’s most revolutionary feature. Walt Mossberg is cautiously optimistic about the iPad’s potential. Mossberg says that the software “looked impressive,” but also notes that the virtual keyboard “may be a liability.” In the New York Times, David Pogue writes that just calling the iPad a big iPod touch doesn’t do it justice, and that the iPad “as an e-book reader is a no-brainer.” Pogue also cautions critics that it’s too early to draw any conclusions. Nobody, after all, has really used the device yet and we haven’t seen any iPad-only apps that really push the device to its limits.Stephen Fry puts the launch into a historical context and notes that quite a few pundits expected Apple’s iPhone to be a flop as well. MG Siegler, on the other hand, looks forward and says that holding the iPad is “like holding the future” (if you are already used to the iPod touch and iPhone).A Paradigm Shift?Nicholas Carr and Slate’s Farhad Manjoo take a slightly different angle. Both argue that the iPad will represent a paradigm shift in how we look at our computers. Manjoo lauds the iPad’s interface and ease of use and thinks that using the the iPhone represents a breakthrough in doing away with the old multi-window desktop metaphor. Carr writes that the success of the iPad is not a sure bet, but also argues that “whether it finds mainstream success or not, there’s no going back; we’ve entered a new era of computing, in which media and software have merged in the Internet cloud.”Indeed, just like the iPhone changed our expectations of what mobile phones should be able to do, the iPad might just change our expectations of how laptops should work and what they should look like.What do You Think? Let us Know!What do you think? Is the iPad just an oversized and overhyped iPod touch, or is there more to it? Is it a Kindle killer and an awesome gaming device that will replace your Kindle and iPod touch? Does it represent a paradigm shift in how we will look at our computers in the future? Are you going to wait for iPad 2.0? Or are you waiting to give it a try at the Apple store before you render your final judgment?Let us know your opinion in the comments. Top Reasons to Go With Managed WordPress Hostinglast_img read more