After a sub-standard year, Kaymer showed much improved form in the South African Open in mid-November, finishing third to record his best result of 2012 before Sunday’s victory at the famous resort in South Africa’s North West province. 3 December 2012 Under 69 twiceChampions Challenge winner Bernhard Langer went under 69 twice, posting rounds of 68 and 67 before closing with a 74, but that was still good enough for a two-shot win over Jay Haas, father of Bill. ‘I never felt that I had it won’ Over parThe rest of the field finished over par. Paul Lawrie, the leader at halfway on four-under 140, ended on one-over 289 after closing with rounds of 75 and 74. “I never felt that I had it won,” he admitted afterwards in an interview on the green. “At the tee on 18, I knew I had a two-shot lead, like Bernhard Langer had on Saturday in the Champions Challenge. “I felt comfortable then, and obviously when I stepped onto the green, but Charl [Schwartzel] had a really good round of golf. Louis [Oosthuizen] played well too, but was a little unlucky here and there,” he added. As Kaymer alluded to, Germany did the double, as Langer landed the senior title. Sunshine Tour Order of Merit winner Garth Mulroy brought up the rear with a total of nine-over-par 297. Germany’s Martin Kaymer succeeded Lee Westwood as champion, winning the US$5-million Nedbank Golf Challenge champion at the Gary Player Country Club in Sun City on Sunday. It was his first win of the season. Third place went to Bill Haas on three-under 285, followed by Louis Oosthuizen on two-under 286, after he slipped to a final round two-over 74, and defending champion Lee Westwood on one-under 287. Throughout the tournament, 69 was the lowest round recorded, and it was achieved just six times by six players. Last year’s champion, Mark Calcavecchia, was in the running after the first two rounds, posting 71 and 69, but fell apart over the last 18 holes, carding a terrible 13-over-par 85 to slip to second last on the leaderboard. Francesco Molinari’s challenge was spoilt by a 78 in the third round and he finished on two-over 290, alongside Carl Pettersson, who, like the Italian, also closed with a three-under 69. Would you like to use this article in your publication or on your website? See: Using SAinfo material Justin Rose really struggled with his game, posting three rounds over par, including a horrible 79 in the second round, to end on seven-over 295. Peter Hanson, after opening with a level-par 72, followed those up with three 73s in succession to finish in ninth on three-over-par 291. Only Kaymer and Schwartzel managed four rounds of par or less as the course played tough. The German went around in 72, 69, 70 and 69 to finish on eight-under 280 to finish two shots clear of Schwartzel, who posted rounds of 72, 71, 70 and 69. ‘Thanks for the pressure’“I’ve been in the lead a few times in my career, but this time when Bernhard won, the German media was writing about the German double and you guys [the commentators] talked about it all the time. When Bernhard won, he mentioned it in his speech. You guys mentioned it a few times on TV, so thanks for the pressure,” he joked. His winning total, eight-under-par 280, was the highest since Jim Furyk’s win on six-under in 2005, but the course plays differently in different conditions and with different pin placements, so direct comparisons cannot be made. Not that Kaymer would care after he won for the first time since he lifted the WGC-HSBC Champions title in November 2011.
Passenger volumes are up at the national carrier, while output is down, according to the acting chief executive.The next step for SAA is to try to get a more rewards-driven performance system in place. (Image: Wikimedia Commons)Brand South Africa reporterThe implementation of the long-term turnaround strategy at South African Airways (SAA) had seen the airline make real progress, acting CEO Nico Bezuidenhout said today.“What we’ve seen in the April and May months, despite market demand being soft, was that SAA has grown its passenger volumes by 6%, with output reduced by 2%,” he said, although he was quick to add that “performance and consequence management has not been traditionally strong” at the airline.SAA is continuing to implement network changes, with the cancellation of direct flights to Mumbai and Beijing announced earlier this year having a positive effect on the company’s finances.“We are utilising the seats better and selling available seats. We’re seeing that across our network, including on the international side, where we are no longer suffering the losses we were [before].”New routesSAA has concluded a new code-share agreement with Africa World Airlines, in which four flights a week from Johannesburg will pass through Accra in Ghana and go on to Washington. Consequently, the Johannesburg-Dhaka-Washington route will be reduced to three times a week, with four direct flights a week from Johannesburg to Dhaka.The new Johannesburg-Accra-Washington route would create a R100-million benefit for SAA, Bezuidenhout said.The airline had made capacity adjustments in the domestic market, such as to the Durban-Johannesburg route. These adjustments had freed up capacity that could be used to grow SAA’s African capacity, he said.Destinations such as Harare, Kinshasa and Mauritius had benefited as a result, and the airline was focused on growing its network revenue into Africa. “On the African side, no other changes are expected in the short and medium term.”HeadcountThe airline continued to focus on cost reduction two months into the current fiscal year, he said.“Our costs declined by 14% [which is] in part driven by previous savings on fuel costs. Having said that, fuel costs savings. would have been negatively impacted by the weakening of the rand.“We’ve continued focusing on managing our headcount and we’ve made good progress on re-engineering [it] overall.” This process is about 50% complete, but Bezuidenhout hopes it will be concluded by September.The intention is to achieve this without retrenchments as much as possible, through mechanisms such as early retirement. He said SAA should be able to reduce the headcount by 8% to 10%. “What’s not easy is to tell somebody they no longer have a job. We’ve tried our utmost to not have a negative impact in that way,” he said.“We have continued employing a process of renegotiating existing supply contracts, that range from IT supply to costs of the snacks that you are may be having today [at the news briefing]. All of this is continuing to help us reduce our overall cost bill of 14% for the period.“Beyond that we continued to focus on the governance of the business, from procurement to policy requirements.”In some cases this resulted in disciplinary action but it was a means of getting the business “watertight”. “It’s tough enough to earn a cent in this business and I’m not going to lose it due to underhand practices,” Bezuidenhout said.Performance systemIn his opinion the reason SAA had failed to implement good plans was because “performance and consequence management has not been traditionally strong. From that stand point, personal performance contracts and robust consequence management becomes very important.”The next step for SAA was to try to get a more rewards-driven performance system in place.“At Mango, when I’m there, in a given year I earn more than any CEO in the [local] industry – provided that we reach our target. And if we double our target I will get well paid. However, if we don’t reach our target, I am the worst-paid CEO in the industry,” Bezuidenhout said.“If we can get something similar back into SAA, no matter how we look at things, human beings are motivated by reward systems.”Source: News24WireWould you like to use this article in your publication or on your website? See Using Brand South Africa material.
The recessed can light conundrumThere is yet another wrinkle to this roofing saga: the use of recessed light fixtures in the ceiling. They would be installed in the drywall that serves as the air barrier. Hoene wonders if that’s going to be a problem.Holladay says, “Absolutely, that’s a problem.”He continues, “You want to minimize all penetrations and electrical boxes in an airtight ceiling, and all penetrations need to be very carefully air sealed. If you care about energy performance, you won’t have any recessed can lights in your ceiling.”Dorsett adds that certain types of recessed lights come with gaskets to make them airtight, and they are rated for contact with insulation. But, he says, they should be inspected and installed carefully.“There are also surface-mount LED fixtures that can be mounted on standard electric boxes that present a far smaller and far shallower penetration into the insulation layer, which may be a better alternative,” Dorsett says. “Any penetration of the ceiling gypsum needs to be detailed for air tightness.” Insulating Low-Slope Residential RoofsHow to Install Rigid Foam On Top of Roof SheathingSpraying Polyurethane Foam Over an Existing RoofQuestions and Answers About Air BarriersBan the CanRethinking Recessed LightingCold-Weather Performance of PolyisocyanurateGreen Basics: Rigid Foam Insulation Calculating the Minimum Thickness of Rigid Foam SheathingHow to Build an Insulated Cathedral CeilingAll About Attic VentingGreen Basics: Attics, Structure, Claddings RELATED ARTICLES Our expert’s opinionHere’s how GBA Technical Director Peter Yost sees Hoene’s situation:Per usual on roofing and attic questions, I like to check in with Brian Knowles at RoofsPlus, a local high-performance roofing company. Here is a summary of my discussion with Brian:Is a 1:12 standing seam roof OK? Yes, but use a full-coverage membrane such as Ice and Water Shield as the roofing underlayment. Also, use a hidden-clip system rather than exposed fasteners, and back up the standing seam lock seam with a high-performance sealant. Brian’s company uses Geocel Tripolymer.Using an EPDM membrane would be OK as well. But, exposed roofing membranes typically don’t fail in the field of the installation, but at joints and laps. These need to be inspected annually. Brian’s company never uses 45-mil membranes but finds the 60-mil performs well. They have never used 90-mil EPDM.For both types of cladding, the devil is in the details at the eaves: With a slope this low, making a watertight seal between either the membrane or the standing seam and the fascia is tricky, particularly if the site has wind exposure. Brian has found that even manufacturers’ recommended eave details are not robust and his company has developed some of their own details.Here is Brian’s cut: “Fully adhered EPDM systems (where there is no curb or parapet termination) need to be stripped in to metal drip edge with cover tape. The published details will show the EPDM fastened under the drip edge metal. They show cover tape over the drip edge and onto the EPDM. This detail leaves the strip of cover tape vulnerable to damage from sliding ice and snow. Our manufacturer trainers have approved a slightly different detail that has a more successful field application in areas where ice and snow are a factor (see Image #3, below). Bear in mind that these edge details will require regular inspection over the years to maintain the bond at the edge. A parapet or curb detail is preferred when using EPDM.”Color matters. In cold climates, white membranes and white metal roofs can be associated with significant night-sky radiation and much cooler attic spaces.On the question of whether to vent the roof assembly: A dedicated space of 1 to 2 inches just underneath or above the structural roof sheathing will vent the assembly. The space created between the structural roof deck and the finished ceiling is an attic space. This space can be vented along any of the margins of the attic but typically with vents at the eaves or sometimes rooftop turbine or “whirlybird” vents. Brian and I agree that the attic (or in this case almost a plenum) space needs to be either completely inside or outside the conditioned space and it needs air flow in either case. But note: If the attic is outside, then it means venting it with outside air; if the attic is inside, then it means introducing inside air flow. (Read on for more details…)In Brian’s experience, even though a 1:12 pitch gives you negligible stack effect air movement or venting, when the roof cladding — particularly a darker one — is exposed to solar gain, that attic space heats up quite a bit and air flow develops even without stack effect from eave to eave or eave to ridge. So, the “high-low” eave vents in the second hand-drawn image will work fine for venting this “outside” attic space. And of course in this case, the finished ceiling plane is where the continuous air and thermal boundaries will be.On the other hand, you could insulate and air seal this roof at the roof line, in which case the attic space created between the roof and the ceiling plane becomes an inside space. It’s important to create air flow for this space, even if it is just passive vents that relieve this space.But note, if you air seal and insulate the finished ceiling plane, then the roof assembly above can dry to the interior. On the other hand, if you insulate and air seal the roof line, and you don’t vent the underside or topside of the structural roof deck, then you’ll have little to no drying potential in either direction. What kind of insulation will work best?Hoene’s original plan was to use 4 inches of XPS, which has a nominal R-rating of 5 per inch. Better take that with a grain of salt, Dorsett says.“Four inches of XPS won’t perform at R-20 for the full 50+ year lifecycle of most metal roofing,” he writes. “As it loses its blowing agent over a handful of decades its performance starts out higher than R-20, but eventually drops to about R-17. The R-5/inch labeling is based on something like a 20-year average performance.“R-17 might be sufficient for dew-point control, but it might not be,” he continues. “If instead you went with 5 inches of EPS [expanded polystyrene], its R-value will be pretty much the same on day 25,000 as on day 1, since its much lighter blowing agent dissipates quickly, and its labeled-R is its fully depleted R.”There are two other choices — polyisocyanurate and spray polyurethane foam.“Another roofer has proposed using 4.4 inches of polyiso insulation above the sheathing for an unvented assembly,” Hoene writes. “This builder said that XPS and EPS aren’t compatible with the EPDM adhesive. Quote from builder: ‘Like pouring gas in a styrofoam cup, it melts it away. They are typically used in ballasted or mechanically attached systems.’“The issue I have with polyiso is that I have read that the effective R-value in cold weather is lower, and polyiso should only be used in warmer climates,” he adds.One solution to polyiso’s less-than-optimum performance in cold weather, Holladay says, comes from building scientist John Straube, who once told him, “One option is to stick with polyiso and just make it thicker. If we do that, let’s call polyiso R-5 per inch.”Either open- or closed-cell polyurethane foam could be sprayed on the underside of the roof sheathing, another possible route to take. Choosing the type of roofingA first step, Holladay suggests, would be finding out whether the type of metal roofing Hoene is considering can be installed on the roof he’s planning. The pitch is very low — rising only 1 inch for every 12 inches of run — and some types of metal roofing need more than that.Hoene has discussed the possibility of using 60-mil EPDM instead, which apparently won’t present any aesthetic issues, but he wonders whether the membrane will perform as well as a standing-seam metal roof.“On low-slope roofs in the snow zone, EPDM will work better than standing-seam metal, since it can’t leak even under high winds, whereas metal roofs will,” writes Dana Dorsett. “With limited slope to drain well, it can take forever to be rid of any leakage moisture. EPDM won’t last as long as metal, but there’s a reason it’s the most common roofing for very low slope roofs.”Kevin Dickson also likes EPDM. It’s “great,” he says, and it’s available in white, which would reduce cooling loads in the house.An alternative, Dickson adds, is spray polyurethane, which will last “indefinitely” if it’s well maintained, meaning that it should be recoated every 10 years or so, and inspected carefully every year.In further conversations with a roofer familiar with low-slope assemblies, Hoene is told that a fully adhered 90-mil EPDM roof applied over 1/2-inch DensDeck Roof Boards is the best option.“Is the 90-mil thickness overkill?” he asks. “Most of the applications I have read about use 60-mil or 75-mil, but we do want a roof built to last.” After reading a couple of articles on the topic by GBA Senior Editor Martin Holladay, Hoene is leaning toward an unvented roof assembly (see the sketch above), which would include cellulose insulation in the rafter bays and 4 inches of extruded polystyrene (XPS) rigid insulation above a layer of airtight sheathing. That would be followed by a second layer of OSB or plywood sheathing and, finally, the metal roofing.“Does the diagram look like a good approach?” he asks. “Any details that I should pass along to our builder about the roof trusses?”Those questions are the start of this Q&A Spotlight. If only Kevin Hoene’s choices for a new roof boiled down to a choice between an EPDM membrane and metal, his life would probably seem a whole lot simpler.But Hoene, building a new home in Illinois and on the boundary between Climate Zones 4 and 5, will soon be weighing the pros and cons not only of different roof coverings, but also of what type of insulation to use, whether it should go above or below the roof sheathing, and whether the roof should be vented or unvented. In other words, nothing seems off the table.“Our house is being built near the boundary of Zone 4 and 5 in Illinois with a 1:12 pitch metal roof,” Hoene writes in a Q&A post at GreenBuildingAdvisor. “I’ve done a lot of research on low-slope roofs because our builder does not have a lot of experience with flat roofs.” Where should the insulation go?Hoene has sketched an unvented roof assembly, but his builder and roofer both suggest he consider a vented roof assembly (see Image #2 at the bottom of the page).“They have not done an unvented roof with the layered foam above the sheathing and seem more comfortable doing the following approach and say it would save a lot of money in time and materials,” Hoene says.The builder suggests blown-in cellulose 16 inches deep, leaving the area above the insulation open for ventilation. Hoene adds: “He recommended no venting in the center of the roof due to more chances for leaks.”“It might be time to find a different roofer,” Holladay replies. “If you can locate a roofer familiar with commercial construction, you’ll be in better hands — because installing rigid foam above the roof sheathing is a standard method of insulating low-slope commercial roofs.“The approach shown in your sketch is associated with failures, because there isn’t enough of a difference in elevation between the ‘inlet’ vents and the ‘outlet’ vents. I call this type of ventilation ‘faith-based venting.’ Air rarely follows the ‘smart arrows’ that some designers draw to indicate where the air is supposed to enter, and where it is supposed to leave.”The same roofer who has suggested 90-mil EPDM also would prefer keeping all of the insulation below the sheathing. Hoene says he would insulate from below using blown-fiberglass with some sort of adhesive that allows it to bond with the decking, or to use spray foam.Holladay is unconvinced. “I stand by my advice,” he says. “For an unvented flat roof, you want at least some — or ideally, all — of the insulation to be above the roof sheathing. That way, the roof sheathing stays warm and dry.”
Never sign a loan contract you don’t understand and always check that terms that were told to you orally (e.g., interest rate and fees) are the same in the loan contract. Also be wary of lenders who swamp borrowers with a lot of papers to discourage reading everything closely. Never sign loan documents because you feel pressured to do so. Also, be very suspicious of lenders that you did not contact first. Most reputable mortgage or credit lenders do not solicit business over the phone, via e-mail, or door-to-door.Visit MilitaryConsumer.gov for free resources, tip sheets, and blog posts from national consumer protection experts. Below is a 5-minute video that demonstrates a predatory loan application in progress with a slick lender.To join the July 28 webinar, Predatory Lending Practices & How to Avoid Them visit the event page.This post was published on the Military Families Learning Network blog on July 7, 2015. Walk away from any lender that encourages you to borrow more than you need (and can afford), requires credit life insurance, provides a blank contract with spaces “to be filled in later,” charges excessively high costs (e.g., closing costs as much as $5,000 on a $25,000 loan) and doesn’t answer all your questions. Be especially wary of calls and visits about “bargain” loans that are “available only for a very short time.” Read loan documents carefully before signing and always get a copy for your records. By Barbara O’Neill, Ph.D., CFP®July 15 is Military Consumer Protection Day so July is a good time to explore frauds that affect service members and their families. The Personal Finance team will present a webinar on Predatory Lending Practices & How to Avoid Them on Tuesday, July 28 at 11 a.m. ET.Most lenders are reputable and community-minded and charge a fair price for the use of borrowed money. Unfortunately, there is also a relatively small subset of lenders, called predatory lenders, who take advantage of others. Predatory lenders do just what the name implies. They market to vulnerable populations, such as the elderly, minorities, and people with poor credit histories, and charge excessively high interest and up-front fees.Photo by Jason Comely (Creative Commons CC BY 2.0.)There is no precise definition of predatory lending. Rather, it consists of a number of practices that exploit consumers and can result in the loss of homes and life savings. A common element of all predatory loans is exploiting a consumer’s ability to repay. Borrowers are often lent amounts far in excess of what their incomes can support. In the case of mortgages, lenders are assured of a profit- either through loan payments or foreclosure (seizing a borrower’s home). Interest rates and fees are also well above average market costs.How can military families avoid predatory loans? By being cautious and skeptical. Consider the following tips:Always check out a lender before signing any loan documents, particularly if they contacted you first and they are not located in the city or county where you live. Start with the Better Business Bureau (BBB). To get the name of the BBB closest to you, visit bbb.org. Local or state consumer protection (consumer affairs) agencies can also provide information about whether a lender has had complaints from consumers.
The secret?There is no secret to effective prospecting. You need to be able to pick up the phone and call your dream client and schedule an appointment. The best language choices are known. The responses to all of the objections you may encounter are known. The trends that should compel your prospective client to consider changing are also known.If you are not getting the results you want from prospecting, it’s a lack of willingness to pick up the phone or to learn what others already know.There is no secret to holding an effective sales meeting. Millions of salespeople know how to open a sales call effectively. Those same millions know how to set an agenda and gain their prospective client’s agreement. The salespeople also know how to agree upon next steps before closing, asking their prospect to open their calendar and schedule the next meeting.If your sales meetings don’t produce the results that you need, it’s not because what you need to know to do so isn’t available to you. Rather, it is your willingness to learn these things and execute them well.If you do not know how to justify the delta between the price of your offering and your competitors, it isn’t because this is a new or novel skill required of salespeople and companies with higher prices. We know that greater outcomes require more significant investments, and countless salespeople know how to make the case for value over price effectively.If you have to discount and compete on price when it is not your model, it isn’t because the method for selling value is a mystery. It’s because it’s a mystery to you.Everything is KnownEverything that you need to know to succeed in sales is already known. There is nothing new coming that will allow you to produce the results you want or need without having to do the work. Anything new is a derivation of something that is already known or a nuanced view of some well-practiced principles.There has never been a better time to be a salesperson or a success minded individual. All of the ideas, insights, tools and technologies are readily available to you, and it is likely that they are in your pocket right now.The big secret to success in sales is that there is no secret. If there were a secret, it would be that some people are willing to work harder to develop themselves personally and professionally than other people. If you want to, you can do this.
Torrential rains continue to batter parts of Gujarat, leading to floods in North Gujarat region. The state authorities have shifted more than 8,000 people from Banaskantha and Patan districts due to flooding in low lying areas while over 250 people stranded in floods were rescued by various agencies like NDRF, BSF and Air Force. According to Principal Secretary (Revenue) Pankaj Kumar, NDRF, Air Force, Army and other agencies are involved in rescue operations in affects parts. “Four choppers for rescue works in Banaskantha have been mobilised,” he said. Meanwhile, the government has issued high alert in North and Central Gujarat districts where the heavy to extremely heavy rains likely. So far, 7 persons have died in rain related incidents since July 20 while death toll since June 1, stands at 73. More than 900 animals have also died either being washed away in floods or in other related incidents.
The Anti-Narcotics Cell of Goa Crime Branch has filed three separate chargesheets against the three accused arrested for running a drug racket in north coastal belt of Goa in March this year.Superintendent of Police Umesh Gaonkar, Crime Branch in-charge, Goa Police, said the Anti-Narcotics Cell filed the chargesheets in the District and Sessions Court on Monday.David Johnson, a British national, Yusuf Mohammad, a resident of Chennai, and Ganesh Pondir, hailing from Himachal Pradesh, have been charged under various sections of the Narcotics Drugs and Psychotropic Substances Act.The Anti-Narcotics Cell arrested Mohammad from Anjuna village seized narcotics such as methamphetamine and LSD from his possession. Johnson was picked up from another location in Anjuna village. Methylenedioxymethamphetamine and ecstasy tablets were seized from his possession. Based on the interrogation of the two accused , the police arrested the third accused, Ganesh, from Arambol beach in Pernem taluk of North Goa for allegedly possessing charas.