Bakery businesses have accounted for the greatest number of food and drink start-ups in the past six months, according to a new study.Based on Companies House data for the 1,725 food manufacturing businesses registered between 1 September 2018 and 1 March this year, 269 were involved with the baking sector, accounting for 15.6% of food and drink start-ups.The next largest group was the 198 of businesses involved in wine, cider or beer production, which accounted for 11.5% of the total.According to researchers at analyst Alert Business Insight (Alert BI), this showed the greatest number of new businesses had been in markets where entrepreneurs saw scope to provide products that met consumer demand for something different and unique in terms of flavour, quality or provenance of ingredients.“The 269 new baking companies established over the past six months equates to a start-up rate of over 500 per year – a 17% increase in numbers in an industry that has approximately 3,000 established firms,” reported Alert BI in the study. “That’s a lot of new competition!”“On the face of it, the data points to a boom in independent food production, driven – at least in part – by the commitment of new entrepreneurs to providing high-quality products. For many entrepreneurs, food represents not just a business opportunity but a mission.”However, researchers warned that the failure rates in the food and drink industry were “depressingly high”, with around 90% of new companies starting in the sector forced to close their doors within a few years.Key challenges for new businesses seeking to gain supermarket listings included the limited amount of shelf space available, and being able to supply in bulk.“In addition to product quality – and whether or not it will be attractive to consumers – they are looking for suppliers who can ship the required volumes while also putting the work in to build their own brands,” stated the report. “From a supplier point of view, this can create problems that are difficult, and sometimes impossible, to overcome.”Another potential stumbling block, according to Alert BI, is failure by new suppliers to appreciate the funding and cash flow issues they are likely to face as they begin to scale up production to meet growing demand.
At its eighth meeting of the year on Feb. 10, the Faculty Council heard a proposal to create a committee on Global Health and Health Policy and was briefed on the work of the Security Advisory Committee. The next council meeting is on Feb. 24. The preliminary deadline for the April 6 Faculty meeting is March 22 at 9:30 a.m.
My first dreams were of flying. I stood on the top of the bunk bed I shared with my brother and started flapping my arms. As an adolescent, I climbed onto the roof, extended my arms into the night air, and fantasized that angelic-like, golden feathered wings sprouted from my shoulder sockets. In college, I climbed water towers. Up in the dark night’s sky, I imagined leaping off and flying above campus, free from the worries of exams and career planning. I clenched my eyes tight, and wished I could fly away. I wanted to soar.I finally had the chance to take flight at Lookout Mountain Hang Gliding School just outside of Chattanooga, Tennessee. Just after sunrise our class gathered around a petite, tanned blonde named Julie.Four others were learning to hang glide. There was Joe, a grandfather fulfilling a bucket-list goal. He brought along his entire family for a weekend in the mountains, but only convinced his daughter, Mary, to fly. Mary was terrified of the prospect of actually being airborne, but delighted by the prospect of spending an entire day away from her four children. Andy and Mandy, adorable newlyweds, rounded out the class, yearning for adventure on their honeymoon.We gathered around a hang glider as Julie explained how to put on our harnesses and connect the harnesses to the gliders. She quizzed us on the basics of performing safety checks before we headed over to the bunny hill, a gentle grassy slope.Beneath the glider, I felt transformed into my alter-ego, one with flying superpowers. The resplendent red and yellow striped wings of the glider extended from my shoulders, and I became a mythical half-butterfly, half-woman creature. Julie did one last wind check before giving me the go-ahead.“Raise the glider for the perfect angle of attack. Pick a visual out there.” Julie said, pointing to the mountain ridges on the other side of the valley. The age-old adage of looking where one wants to go holds true for flying. Julie had warned that if I looked down, I’d end up going down. Instead, I fixed my gaze on a single tree on top of the peak just opposite of me, just slightly higher than eye level.“Perfect! Now jog!” Julie instructed as I started trotting down the hill, “and now run!” Determined to fly, I ran as fast as I could, never taking my eyes off that mountain.Julie jogged next to me yelling, “Think Wiley Coyote.” Just like the cartoon character, Julie had told us to keep on running even if our feet lifted off the ground because sometimes it took a few ups and downs before the glider truly took flight. As long as students keep running, the glider will fly again.“And let go!” Julie reminds me, “let it fly, let it fly!” When students hold on too tight, which we all tend to do in life when we get nervous, we hold ourselves back from taking flight. As I opened up my hands, I let the glider slide through my fingers, and felt a light breeze lift the glider. My feet ran through the air for a few seconds before I realized I was flying. I was flying!The sensation of flying was the pure expression of freedom. In the air, the terrain blended seamlessly together. The individual blades of glass blurred into a soft dreamy green contour. The streams, fields, trees, and mountains stretched before me, a feast for my eyes. I heard the call of a hawk and the water flowing below, and always the sound of the breeze. In that moment, I felt as if I had taken my place in nature. The perspective showed me just how connected we are to the environment. I was no different from other feathered flyers, reliant on the whims of the wind.As my glider dropped nearer towards a grassy landing, intuitively I pushed away from the control bar, my body stretching out horizontally. The glider slowed down, and then the wheels touched the ground, a gentle reintroduction to reality.As the glider came to a stop, I looked up the hill to see my classmates jumping up and down for me, their whoops and cheers echoing in my head. I pulled the glider back up the slope, and reveled in the incredible feeling of flight. Taking off gave me that perfect, zen-like-feeling of balance, just like rolling a kayak or jumping a horse for the first time.One by one, each of my classmates took flight. I watched Joe realize a dream, I watched Mary become revitalized, and I saw Andy and Mandy share one of their first adventures as a married couple. As I stood watching the brightly colored hang gliders swirl like a leaves in the breeze, I realized that hang gliding is the perfect metaphor for life. If we can fix our gaze on a goal with determination and run toward that goal with speed and steadiness, and at the same time manage to let go, anything is possible, even flight.
According to Ecuadorean authorities, Domínguez is one of the leaders of “Los Rastrojos.” He was arrested by the counter drug police, and then transferred to Quito, from where he was taken to Colombia. “Palustre’s capture has resulted from a close collaboration between the Ecuadorean and Colombian police forces. Ecuador will not serve as the base of operations for any criminals,” the Deputy Minister of Interior, Javier Córdova, stated when he announced Domínguez’s deportation to his native country. ‘Palustre’ has been identified as former leader of the group of gunmen for a powerful drug trafficking gang known as the Comba brothers, whose main leaders surrendered to U.S. Justice. By Dialogo August 23, 2013 Drug trafficking organization ‘Los Rastrojos’ strengthened after the disarmament and demobilization of the United Self-Defense Forces of Colombia (AUC), the main extreme right-wing armed organization in the South American nation. Jorge Domínguez (aka ‘Palustre’), one of the leaders of the right-wing drug trafficking organization known as ‘Los Rastrojos’, was deported by Ecuador’s government on August 21, having been arrested the previous day in the Ecuadorean city of Manta (northwest). ‘Los Rastrojos’ operate in a vast area of south and southwest Colombia, and it is considered the main criminal gang in the country, along with ‘Los Urabeños’, both of which are fighting a bloody turf war over the control of drug trafficking routes.
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York Quinton RubinA Brentwood man has been convicted of shooting his estranged wife’s 36-year-old boyfriend to death in Bay Shore in 2012.A Suffolk County jury found Quinton Rubin, 37, guilty Thursday of second-degree murder.Prosecutors said Rubin walked in through the side door of his former home, a trailer in Bay Shore, where he shot Sean Berry of Bay Shore five times at 4:30 a.m. Nov. 13, 2012.Judge William Condon will sentence Rubin April 16. Rubin faces up to 25 years to life in prison.
Is it the adage of the tortoise (slow and steady) wins the race or is it that mediocrity has become the acceptable norm when it comes to our credit unions? Self-rationalization can be a powerful influencer.Over the year’s we have slowly but surely lost sight of the greatness we all purport to deliver to our members. Instead, from the outside, in practice, it appears as though we have allowed outside influencers such as regulation and market complexity drive us to inactivity. Changes in our business models from SEG to community, from in-person to virtual, from traditional operations to technical integration and from direct staffing to outsourcing drive angst, confusion, and complacency. This is not to say that we don’t work hard and attempt to always put the member first. Because those mental realities still exist and are very much alive. However, if we examine the business and management processes from an architectural level what we find is that our policies, processes and decisions reflect a conflicted reality.In the board room we talk about CAMEL ratings, compliance activity, and financial bumps in the road. At the management table we talk about risk avoidance, maintaining exiting services to avoid any complaints, how we are going to deal with problem employees other than termination, disruption and expense minimization. At the staff level, we sit around the cooler and talk about the difficulty of serving members who just don’t get it, the burden of work on our plate and the inability of management to make tough decisions. (This is where you insert a roll of the eyes and footnote about over dramatization.)However, how far from the real truth is it? Think about the time spent within your organization (at all levels) on ensuring things remain calm, don’t blow up, keeping the status quo, avoiding root cause issues and instead develop practices and procedures to work-around them. When was the last time that open and honest communication around problems and self-awareness dominated your meetings or when was the sole focus on opportunity rather than all the reasons to say no? In your next meeting, watch for these actions. Remember taking action is distinctly different than talking something to death without resolution or simple adding what we all know to be band-aids to avoid the real issue at hand.There is no easy solution and truth be told I hear many of you frustrated and stymied with the same concerns about your own organizations. The real question is, what can we do about it? How do you turn such a big ship when we are seemingly met with waves from all directions? The solution rests in a return to control; a return to the fundamentals of business and management; a taking back of our strategies and central mission. The real solution is simple – we must invest in the backbone of our organizations, re-evaluating the way we operate and function at the structural and managerial level. Without the foundation of strong management and assurance processes, we will always lack the stability, proactivity and safety to build or organizations higher and stronger. Our teams are hungry for such a solution!The evolution of a solution rests in the delivery of a business intelligence system that seamlessly delivers administrative simplification, efficiency and enhanced visibility to the organization’s assurance processes while at the same time fueling management with the necessary knowledge to proactively make strategic and operational decisions through an enhanced understanding of the risk/reward trade-offs facing the organization. These risk and management processes simplify the administrative effort and expense required around risk, compliance, policy and assurance processes to ensure organizational integrity while delivering decisionable information to organization leaders to focus more time and energy on strategy and seizing new opportunities. This will be accomplished through a process ofUnderstanding external business influencersEvaluating internal capabilities, limitations and directionDefining the impact of these relationships and responsibilitiesFacilitating priorities and action.The ultimate goal is to support and insulate the business while standing ready to deliver intelligence for decision making and goal advancement.Stay tuned for part two as we dive deeper into the solution and the ROI of such advancements. 51SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Tony Ferris Tony is a leading financial services strategist who has devoted 18-plus years to the financial services industry focused on creating competitive advantage through organizational and strategic development, collaborative partnerships, and … Web: www.rochdaleparagon.com Details
Gross domestic product (GDP) growth will climb 2.75% in 2016 and the Federal Reserve will hike interest rates to 1.25% by year’s end, according to CUNA’s Economic Forecast, released Friday.CUNA’s economists previously had forecast 3% GDP growth for this year, but recent data, including the Commerce Department’s report Friday that GDP growth in the fourth quarter inched higher by only 0.7%, led to the revision. (See related story: U.S. GDP slows to 0.7% growth in 4Q.)“Despite transitory stock market turmoil in the first three weeks of this year, robust domestic demand in the household and business sectors will continue to spur growth in 2016,” wrote Perc Pineda, CUNA senior economist. “Pressures of the rising U.S. dollar on manufacturing and exports will continue to have some effect on GDP growth.”The forecast also calls for inflation to rise by 1.75% this year–unchanged from previous estimates–and for the Federal Reserve to raise interest rates at every other meeting in 2016, reaching 1.25% by the end of 2016. continue reading » 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
They said they found that asset managers often declined to provide pension funds with requested data.“Pension funds should therefore ask themselves whether they wish to do business with players that don’t want to provide this information,” they said.In the regulators’ opinion, schemes should make cost-reporting arrangements with their asset managers in advance, as well as evaluate the service provided by their asset managers on an annual basis.The DNB and AFM also urged pension funds to report transaction costs in their annual reports.Although this is still currently optional, they reminded schemes that the new Pensions Act would make the reporting of these costs mandatory.DNB said Dutch pension funds spent approximately €5bn on asset management in 2013 and attributed a 2-basis-point, year-on-year increase in costs to performance-related fees.The watchdog also announced a survey into the extent to which pension funds factor integrity risk into their overall risk analysis.The results of this survey will determine whether additional rules will be necessary, it said.It added that the results would be presented as best practice.The regulator said all pension funds must submit a thorough integrity analysis for 2015, illustrating how they had translated their conclusions into policy. De Nederlandsche Bank (DNB) has ordered Dutch pension funds to make further improvements on the reporting of asset management costs, particularly those involving outsourcing by external managers.Drawing on a 2013 cost survey of more than 240 pension funds, the DNB, together with the communications watchdog (AFM), concluded that schemes needed to understand outsourcing costs fully before they could determined whether or not overall costs were appropriate.The regulators added that they had called on 21 pension funds to provide in-depth reporting on management and performances fees involving private equity, hedge funds and real estate – and that 15 had had to re-submit improved reports.The DNB and AFM looked at asset management contracts, information memorandums and annual statements, as well as pension funds’ own self-assessments.
BATESVILLE, Ark. (March 17-18) – The story was similar for both nights of Batesville Motor Speedway’s Arkansas Spring Nationals.Jeff Taylor raced his way to the lead in both Friday and Saturday IMCA Modified features and led to the finish of each $1,250 to win event.“The car was good, the track was racy and I could go where I wanted to,” summarized Taylor, who had started third on opening night and sixth on night two.Taylor was already on the ballot for the upcoming Fast Shafts All-Star Invitational.Robby Arnold, Drew Armstrong, Wayne Brooks and Clay Norris completed Friday’s top five. Peyton Taylor, Ken Schrader, Mark Norris and Brooks were second through fifth, respectively, on Saturday.Feature ResultsFriday – 1. Jeff Taylor; 2. Robby Arnold; 3. Drew Armstrong; 4. Wayne Brooks; 5. Clay Norris; 6. Brint Hartwick; 7. Mark Norris; 8. Ken Schrader; 9. Rick Engles; 10. Heath Grizzle; 11. Brandon Smith; 12. Mikey Bell; 13. Kayden Menasco; 14. Chad Avey; 15. Jessie Hoskins; 16. Joe Payne; 17. Travis Bragg; 18. Johnny Virden; 19. Clark Evans; 20. Jordan Turner; 21. Daryl Hayes; 22. Kris Lloyd; 23. Jeremy Tharp; 24. Richie Tosh.Saturday – 1. Jeff Taylor; 2. Peyton Taylor; 3. Schrader; 4. Mark Norris; 5. Brooks; 6. Clay Norris; 7. Smith; 8. Engles; 9. Hartwick; 10. Bell; 11. Payne; 12. Hoskins; 13. Grizzle; 14. Hayes; 15. Bennett Johnson; 16. Bragg; 17. Arnold; 18. Avey; 19. Lloyd; 20. Tosh; 21. Tharp; 22. Turner.
North Decatur High School Girls Varsity Volleyball falls to Hauser Junior-Senior High School 3-0. 25-22, 25-20, 25-23North Decatur falls to Hauser in 3 hard fought sets moving to 3-1 in the conference and 16-7 on the season! We played some great volleyball tonight but ultimately could not hang on to some of the leads we built throughout each set. Hauser has a great program and this match is always a battle.Kara Muckerheide has 23 assists and 15 digs. Erika Kramer 9 kills and 11 dig. Olivia Bohman played well with 20 digs and 6 kills. Caroline Stapp and Madelyn Bohman both adder 3 kills each.JV fell in 2: 24-25 & 16-25.Brittany Krieger has 20 digs, Caroline Stapp 5 kills, Lainey Crites 7 assists and Madelin Hoover & Abby Hartman both added to blocks!Courtesy of Chargers Coach Ashley Gauck.