Closing The Gap Between Producers and Consumers

first_img Facebook Twitter Agriculture is a highly technical, scientific, and capital intensive business today.  It requires farm operators to be proficient in a wide variety of highly specialized areas from chemistry, to mechanical engineering, computer technology, biological sciences, botany, veterinary medicine, labor relations, contract law, environmental regulations, bookkeeping, corporate finance, and economic policy (just to name a few).  Most farming operations are involved in producing and marketing a commodity, although a growing number are now producing branded products for a specific use or end user.  The majority of farming operations are organized in some form of corporate structure involving several family members or other partners. Most operations have several different consultants on retainer, from crop consultants to financial advisors.  A large percentage of farm families own only a small percentage of the land they farm, instead they lease or rent the fields on which they produce which is often spread over several counties. Home Commentary Closing The Gap Between Producers and Consumers SHARE This image of modern agriculture is not what consumers believe or what they want to believe. Most think family farms are small, independent, diversified, and producing food for their local area.  They see the big mega farms which produce for large food conglomerates as corporate owned and operated farms.  They have a mistrust of large farms and long for the simpler days of hardworking farmers struggling against nature to produce simple and safe food for their local community.  This is one of the reasons they are willing to pay more for organic food products, mistakenly believing these are produced by smaller, independent family farms. Remember the Generation Gap? This phrase has fallen out of common use but; during the decade of the 1960s, it was commonly used to refer to the disconnect between the younger and older generation — primarily between us young hip and cool teens and young adults and our square and out of touch parents.  The phrase “don’t trust anyone over 30” was used a lot… until we all turned 30. There is different kind of generation gap that exists today between agricultural producers and consumers. Like the gap of the 1960s, this gap in understanding and expectations has fostered mistrust and animosity. Setting aside the issues of production techniques, biotechnology, animal welfare, and the general lack of understanding of how and where their food is produced, the gap over the image and expectations of the food production system is at the heart of the disconnect between producers and consumers. Not only does this gap exist between producers and consumers but between producers and public officials.  As a result, agriculture does not get the kind of public support it deserves or the kind of public policy it needs. Previous articleVilsack Outlines Impact of Sequestration on USDANext articleWeather Man at Commodity Classic Predicts Solid Corn Yield Bump Gary Truitt While some call for a return to the good old days, the reality is we cannot meet our current food needs, let alone future food demand, with 1940s technology. Consumers today demand a wide variety of sophisticated food products with convenience, low cost, and guaranteed safety. In the next 20 years, several billion new middle class consumers in Asia will be demanding a similar diet. American agriculture is up to the task of meeting that demand, but only if we have the public trust and public policies needed to grow the agriculture industry. The trust and policies will only come if we begin to close the image and expectation gap between agriculture and those who depend on it. SHARE by Gary Truitt Closing The Gap Between Producers and Consumers By Gary Truitt – Mar 3, 2013 March is Agriculture Appreciation Month in Indiana. It is also the month in which we celebrate National Agriculture Day. As part of our conversation about agriculture, let us stress to consumers and public officials that our business has changed.  Just as the corner store has become the supermarket, the family farm has become a family business, and let us stress that is it NOT a bad thing. This new structure will allow agriculture to supply our world today with safe, abundant, low cost and good tasting food and will do so in a sustainable way so that the next generation of farmers can produce even more food for a growing number of consumers. Facebook Twitterlast_img read more

Limerick man caught with bag of drugs outside hospital

first_imgLimerick’s National Camogie League double header to be streamed live Print Twitter Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clash NewsLimerick man caught with bag of drugs outside hospitalBy Staff Reporter – November 5, 2016 1514 WhatsApp WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads Limerick Ladies National Football League opener to be streamed live Limerick Artist ‘Willzee’ releases new Music Video – “A Dream of Peace” Facebookcenter_img Advertisement Previous articleIce cream vans used as cover for Limerick drug dealerNext articleRugby – Ulster Bank League Weekend Previews Staff Reporterhttp://www.limerickpost.ie Linkedin Predictions on the future of learning discussed at Limerick Lifelong Learning Festival RELATED ARTICLESMORE FROM AUTHOR The evidence was heard at Limerick Circuit CourtA MAN who was caught outside a hospital emergency department with more than a kilo of cannabis herb is to be sentenced next month.Padraig O’Connor (37), from St Joseph’s Park, Dromcollogher, pleaded guilty in October to drugs offences contrary to Section 15a of the Misuse of Drugs Act.Sign up for the weekly Limerick Post newsletter Sign Up During a sentence hearing at Limerick Circuit Court last week, Judge Tom O’Donnell heard that drug squad detectives saw the father-of-one acting suspiciously outside the hospital on April 29, 2014They stopped and questioned him but he ran off, only to be apprehended after a short chase.A polkadot Lidl shopping shopping bag he was carrying contained more than 1.1kg of cannabis with an estimated street value in excess of €20,000.Prosecution Counsel John O’Sullivan said O’Connor admitted he went to McDonalds in Dooradoyle and “met individuals who he picked up some weed from”.He told gardai that he “got a phone call earlier while he was in the city centre and was instructed to go to the hospital and stop outside McDonalds along the way.Two months earlier, he met the same individuals in Newcastle West when his friend wanted a smoke of weed. Other than that, he had nothing to do with.On a previous occasion he “got some weed, paid €400 for it and did nothing else only gave it to three or four of his friends”, Mr O’Sullivan said.Mr O’Connell told gardai that he subsequently bought the larger batch of drugs for €3,000 and intended keeping some before giving it back.Defence counsel Anthony Samon asked Judge O’Donnell to sanction a probation service report so as to allow a number of factors to be considered by the court.The case was adjourned until to December O’Connell was released on his own bail. Email TAGSdrugshospitallimerick last_img read more

How the CFPB is Helping Homeowners Struggling with Payments

first_img Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Government, News The Week Ahead: Nearing the Forbearance Exit 2 days ago How the CFPB is Helping Homeowners Struggling with Payments Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: CARES act CFBP COVID-19 Forbearance Servicers Navigate the Post-Pandemic World 2 days ago The pandemic, along with the economic downturn it has caused, leaves homeowners across the country struggling to meet their mortgage payments. This has put more pressure on the Consumer Financial Protection Bureau (CFPB) to find ways of helping homeowners who have been impacted by COVID-19.At this year’s MBA Convention and Expo, Kathy Kraninger, director of the CFPB responded to questions posed by Susan Stewart, 2021 MBA chairman and CEO of SWBC Mortgage. One of the biggest topics of discussion that Kraninger addressed was how the CFPB is taking measures to inform the public about what they can do if they are having trouble making their home loan payments.“It starts first and foremost with the flexibilities that the CARES Act provided,” Kraninger said. “Congress and the administration acted very swiftly in that process. And we also move swiftly from the Bureau’s standpoint, in getting that information out.”Kraninger discussed how the CFPB made informative materials like videos and blogs available online to inform the public, including videos in both English and Spanish. Much of this content focused on “what the CARES Act mortgage forbearance program was,” so that those struggling to make their home loan payments could understand their options. The videos and blogs have already reached 4 million people, according to Kraninger.“We really are reaching people,” Kraninger said. “We still know there are more people to reach as well, so we’re engaging with the mortgage servicing consortium” as well as the Urban Institute.The messaging that CFPB has put out is particularly meant to inform “individuals who have not yet extended their CARES Act forbearance” or those who have not applied but may still qualify. “You have an option here to actually stay in your home,” Kraninger said. “And that’s certainly an important message, recognizing the impacts of the pandemic.”As the CEO of a servicer, Stewart said that this is the kind of information the public needs to know.“One of the things that we now all grappling with is to make sure people know that, go ahead and be in contact,” Stewart said. “It’s better to make the call and ask for help and explain your circumstances and extend or do what you need to do.”Aside from getting forbearance information out to the public, Stewart also asked Kraninger about the CFPB’s release of a proposal for a new category of “Seasoned” Qualified Mortgage (QM).“We believe that a pricing threshold is a more holistic measure of an individual’s ability to repay than DTI [Debt-to-Income Ratio] alone,” Kraninger said. “We also knew that the 43% DTI– if that were strictly put in place, and strictly followed without the Patch [Government-Sponsored Enterprise (GSE) Patch] as a valve to let off some of that steam–would really preclude access to credit and really reduce the pay for many people”On the same day that Kraninger spoke at the virtual conference, the CFPB announced that it would be extending the GSE Patch.Looking ahead, Stewart asked Kraninger about what may happen beyond the pandemic when borrowers begin to exit the CARES Act and other loan forbearance programs and whether or not the CFPB monitor for any particular risk to consumers in the post-pandemic future.Kraninger said that the CFPB would do just that. She said the Bureau would continue to talk to servicers about what challenges they are facing and what they’re hearing from consumers. Kraninger said doing this will help with “figuring out a level playing field, figuring out issues happening across the market.” About Author: Cristin Espinosa Home / Daily Dose / How the CFPB is Helping Homeowners Struggling with Payments Related Articles October 20, 2020 1,278 Views center_img Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Cristin Espinosa is a reporter for DS News and MReport. She graduated from Southern Methodist University where she worked as an editor and later as a digital media producer for The Daily Campus. She has a broadcast background as well, serving as a producer for SMU-TV. She wrote for the food section during her fellowship at The Dallas Morning News and has also contributed to Advocate Magazine and The Dallas Observer. Share Save Demand Propels Home Prices Upward 2 days ago Subscribe CARES act CFBP COVID-19 Forbearance 2020-10-20 Cristin Espinosa Previous: Delinquency Rate Doubles Great Recession Peak Next: Industry Leaders Address Racial Inequalities, Refi Fees, and Technology Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Postlast_img read more

US is leaving the Paris Agreement: How that will affect efforts to stop climate change

first_imgacilo/iStockBy JULIA JACOBO, ABC News(NEW YORK) — The U.S. is set to officially withdraw from the Paris Climate Agreement on Wednesday, three years after President Donald Trump announced his intent to remove the country from participating in the global forum to reduce greenhouse gas emissions.The historic accord seeks to limit global warming to less than 2 degrees Celsius, the value that climate scientists have determined will have disastrous consequences if exceeded. Trump has assailed the agreement as economically detrimental and claimed it could cost the country 2.5 million jobs by 2025. He also said it gave other major emitters, such as China, a free pass.While a number of environmental policy experts believe the move was a step back from what was previously seen as an era of environmental responsibility during the Obama administration, several who spoke to ABC News on the issue agreed that the U.S. has the ability to regain a title as a world leader in climate action in the coming years.The U.S. lost its standing as a climate leader under Trump: ExpertsSince 2017, Trump has walked back dozens of environmental protections, including several on drilling and emissions. The Obama administration, on the other hand, influenced other major emitters around the world to take action and former Vice President Joe Biden has pledged to pursue even more aggressive environmental goals if he is elected president.Biden has vowed to re-enter the Paris accord if elected, a move that could take less than six months, Varun Sivaram, senior research scholar at Columbia University’s SIPA Center on Global Energy Policy, told ABC News.“Over the last four years, the Trump administration has sharply diminished the United States’ standing in the world,” in terms of environmental policy, Sivaram said.“The United States is already viewed around the world by other countries, our allies and adversaries alike, as kind of global scofflaw, as a country that can’t be counted on to take its alliances seriously,” he added. “And we’ve done it time and time again in the last four years, in other areas of foreign relations and especially in the area of climate.”During Trump’s first three years in office, the communique for the G20 summit did not include any mention of climate change, and the U.S. has not even come close to meeting its goal set at the 2015 Paris summit to reduce emissions by 26% to 28% by 2025, according to the experts.The U.S. also has not kept its commitment to double funding for innovation and clean energy research development by 2021, experts said.A projection by the Energy Information Administration found that Trump is on track to preside over one of America’s sharpest drops in fossil fuel emissions — 10% for 2020. However, that decrease, which the EIA says is due to the COVID-19 pandemic, represents the largest drop since the 2008 recession, which saw a 7.3% decline.The environment is on the ballot, experts sayWhen voters cast their ballots on Election Day, many will be making the decision on how the country will move forward on climate action, experts said.Trump’s administration has gone after the strict emissions regulations in California, for instance, and experts expect him to continue denying the science behind topics such as climate change, natural disasters and even the COVID-19 pandemic, as well as gravitate toward an expansion of oil and gas drilling.Frances Moore, assistant professor in the department of environmental science and policy at the University of California, Davis, said she believes that if Trump is re-elected, it would cause the Paris Agreement to experience a “slow, anemic decline.”“It’s unlikely, I think, that the Paris Agreement forum could survive as a serious international agreement that’s really motivating countries to do things that they otherwise wouldn’t be doing,” if Trump were to remain president, she said.Biden has outlined his commitment to protect the environment with a proposed a $5 trillion plan. His plan to address the climate emergency would aspire to a 100% clean energy economy and reaching net-zero emissions no later than 2050.“The most important aspect” for federal climate action would be for the U.S. to resume international leadership, Philip Duffy, climate scientist and president and executive director of the Woodwell Climate Research Center, told ABC News.“There’s a potential that that forum could really be re-invigorated by a Biden administration,” Moore said. “And in particular, if a Biden administration were to kind of re-energize the U.S. domestic climate policy, that in turn will have a knock-on effect in the international arena.”While Biden’s climate plan has been recognized as the most ambitious the U.S. has ever proposed, it still may not hit the mark, according to some critics.His goal to zero-out electricity emissions by 2035, while aggressive, likely won’t do enough to reduce greenhouse gases in the time that’s needed, wrote The Week correspondent Ryan Cooper, and preventing the rest of the developing world, such as India, from following in China’s emission-heavy footsteps would require a robust international investment fund, according to an analysis by Jacob Fawcett in the People’s Policy Project.Republicans, on the other hand, have criticized Biden’s climate plan as being too expensive, with Vice President Mike Pence describing it as “a $2 trillion version of the Green New Deal” during his debate with Sen. Kamala Harris last month.The US didn’t need to leave the agreement in the first placeTrump said he withdrew from the Paris Agreement because it imposed an unfair burden on the U.S. and has done little to slow down emissions from other countries.However, if the U.S. found the goals it set for itself in 2015 to be too ambitious, it could have simply changed them, rather than withdraw from the Paris accord altogether, according to the rules of the agreement.The 195 countries that signed on to the accord made a voluntary and unilateral pledge about what they thought they could accomplish, the experts said. This included developing countries that had refused to make any sort of commitment in the past as well as some developed nations.The agreement also included a framework to assess progress every five years. This would enable governments to alter their commitments, known as nationally determined contributions, or NDCs, ideally by making them more ambitious as technology costs went down, but to also scale them back without penalty, if necessary.“It’s not a one-size-fits-all, top-down commitment, where, for example, everybody would reduce greenhouse gas emissions by X percent,” Duffy said.Currently, the collective NDCs in the Paris Agreement still don’t add up to 2 degrees Celsius, according to the experts. Countries will next have the opportunity to increase their commitments from the Paris Agreement at the United Nations Climate Change Conference in Glasgow, Scotland, in November 2021.The biggest emitters in the world should take the lead, experts sayExperts say that the U.S., which has the second-largest amount of greenhouse gas emissions in the world now and has been since the Paris Agreement, and other leading emitters should lead the way to reducing emissions.“It’s really difficult to imagine other kind of countries stepping up in terms of ambition and leadership to solve the climate crisis when the U.S. is kind of walking away from this agreement,” Moore said.In addition, Sivaram believes that the U.S. and other Western countries bear a “great historical responsibility” to the world for the Industrial Revolution, which spurred the trend of global warming.“We’re this wealthy country with a large technological and great scientific enterprise,” Moore said. “These are things that we can draw on to really lead the way on crafting this new low carbon economy.”While the U.S. does not bear full responsibility for the climate problem, it can play a central role in helping to mitigate it.During Obama’s presidency, for instance, the U.S. would help to lead negotiations during the annual United Nations Conference of the Parties meetings for ambitious paths going forward, but this stopped once Trump went into office, he added.Obama also assisted in what Sivaram described as a “critical breakthrough” at the 2009 Copenhagen summit that paved the way for a joint commitment by the U.S. and China to make a joint announcement on their intent take solid action on climate change in 2014.Those actions eventually led to the creation of the Paris Agreement, Sivaram said.“So, when the leading emitters sets ambitious goals, that raises the bar for everybody else,” Duffy said.While Obama is credited for leading the charge into the agreement, some have criticized him for failing to implement lasting change in the climate fight. Climate attorney David Bookbinder wrote in Vox in 2017 that Obama’s climate action policies didn’t start until he was re-elected, largely because he was fearful of the political consequences that could follow.Marianne Lavelle, politics reporter for Inside Climate News, agreed, writing in 2016 that all of Obama’s achievements in climate change happened during his second term, describing his first term as “lost territory.”The year he went into office, Trump announced his intention to withdraw from the agreement, describing the pledge that the U.S. made as a “massive redistribution of United States wealth,” that would “undermine our economy, hamstring our workers, weaken our sovereignty [and] impose unacceptable legal risk.”He added that he would be open to re-joining the accord after renegotiating a “deal that’s fair.”Why it pays for the U.S. to focus on climate changeThe economic windfall that could result from the U.S. remaining in the Paris Agreement and doing the work to accomplish its goals could be vast, according to the experts.The U.S. could potentially triple its investment in clean energy innovation and spur a competitive race to the top around the world, therefore driving down the cost of clean energy technologies as well as improving their performance, Sivaram said.A lot of the solutions to reduce greenhouse gas emissions already exist, but it’s currently too expensive to transition to clean energy as quickly as needed, the experts said,Currently, 40 to 46 of the critical technologies for decarbonizing or reducing emissions to net zero are not on track, Sivaram said. While some, like solar and wind power have gotten dramatically cheaper, others, such as clean fuels for industries or long-distance transportation, the use of hydrogen and the use of digital technologies are still too expensive to implement in an efficient manner.The book Energizing America, which Sivaram co-wrote, forecasts that if the U.S. federal government launches a national energy innovation mission and triples its investment in clean energy innovation to $25 billion by 2025, it will create and sustain one million or more good, long-term jobs in some of these advanced energy industries.The federal government is losing out financially by not putting climate action at the forefront of its agenda, Duffy said.“I believe by not being more ambitious is we’re losing out on the opportunities to develop the solutions and sell them to the rest of the world,” he said.What’s next for international efforts to reduce climate change?The rest of the world is continuing to set ambitious goals to mitigate the rate of global warming without the U.S being on board.Last month, Chinese President Xi Jinping announced the country’s new target of economy-wide carbon neutrality by 2060. China, which is the world’s largest emitter with 28% of global greenhouse gases, set its initial goal in the Paris Agreement for its emissions to peak by 2030.“That is an astonishing goal,” Sivaram said. “If China can pull that off it’ll be the most Herculean feat I think we’ve ever seen in the world.”China is also investing more money into low-carbon energy than any other country, Duffy said.India, which experts say could become the world’s number one emitter of carbon dioxide later this century, is exceeding the Paris Agreement targets that it set and could set more ambitious targets in the run-up to the next major climate conference in 2021.The European Union has made an ambitious set of commitments, which includes reducing their emissions by more than half by 2030 and become climate neutral by 2050, Sivaram said.In order to meet the goals of the accord, countries are going to have to be much more ambitious, and the global clean energy transition away from fossil fuels and toward cleaner energy sources, such as renewable energy, will have to be much swifter.“So, around the world, the major emitters, the major economies are taking their own action on climate change, and they don’t particularly care whether or not the United States is in or out,” Sivaram said.Local governments in the U.S. have stepped up to the climate fight in the absence of federal policy in the U.S., such as strict emissions regulations put in place in California, as well as a pledge by California, New York and Michigan to become carbon neutral by 2050.These are moves that will likely reflect on the country as a whole in the eyes of the world, Moore said.Copyright © 2020, ABC Audio. 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Downing hails ‘top-class’ Reina

first_img “A keeper makes a mistake and it’s in the back of the net. It is a tough position to play. But you see his save at 2-0 and if we had gone in 2-1 at half-time that would have made it more difficult. People don’t tend to see that, but we as players could see it was an important save. “It gave us the platform to go on and get the third goal and it was easy from then on. “He’s a top-class goalkeeper. Everyone has dips in form and things like that. It’s about the way you bounce back and he certainly has.” Downing was also impressed with the contribution of Philippe Coutinho, the £8.5million January signing from Inter Milan making only his third appearance for the club. The 20-year-old provided assists for the first two goals, crossing for Downing and then sliding the pass through for the first of Luis Suarez’s hat-trick in an encouraging 70-minute display. “He’s had two good games (his other match was a 12-minute debut as a substitute),” added Downing. “He will find it hard physically because this is different from the two leagues he’s played in. “I think he’s settled in well and he’s had two really good performances. If he can keep playing like that – and with Luis banging in the goals – then we’ve got a really good chance.” Press Association Liverpool winger Stewart Downing believes goalkeeper Jose Reina is returning to top form again after the Spain international played a crucial role in the 4-0 win at Wigan.center_img The match was not as easy for the Reds as the scoreline suggests with Reina pulling off brilliant saves from Emmerson Boyce and Franco Di Santo at 2-0 and 3-0 in the first half. The Spaniard has been criticised for errors this season but Downing feels the goalkeeper is back to his best. “It’s hard for keepers. As players, we make many mistakes in games, but they get overshadowed by other things,” he said. last_img read more

Mourinho accepts 12-month prison sentence for tax fraud but will not serve jail time

first_imgJose Mourinho has accepted a 12-month prison sentence and a fine of close to €2.2 million after admitting to tax fraud in Madrid – but will not serve time in jail.The 56-year-old was accused of evading paying in the region of €3.3m in taxes on image rights while he was head coach of Real Madrid. The Portuguese will not spend any time in prison as the sentence is for less than two years.In 2016, Mourinho’s representatives Gestifute released a statement insisting he was “fully compliant with tax obligations” after allegations of tax evasion first came to light via the whistleblowing platform ‘Football Leaks’’However, he struck a deal with Spanish prosecutors last year, which was ratified at a court on Tuesday.Mourinho was in charge of Madrid from 2010 until the end of the 2012-13 season. The offences were alleged to have been committed between 2011 and 2012. It was reported last September that he had agreed to accept a one-year prison sentence and fine in order to bring the legal proceedings to an end.Speaking to reporters outside court in Pozuelo de Alarcon in November 2017, he said: “I did not answer, I did not argue. I paid and signed with the state that I am in compliance and the case is closed.”A number of prominent figures in football, including former Madrid striker Cristiano Ronaldo, his ex-team-mate Marcelo and Barcelona forward Lionel Messi, have been punished for tax offences in the last two years.last_img read more

Army-Navy pregame hand signals were not racist, officials announce

first_imgMORE: Penn State player receives racist letter about dreadlocksThe academy leaders rejected the claims of racism in separate statements (via CNN.com).From Lt. Gen. Darryl A. Williams, superintendent of the U.S. Military Academy: “Last Saturday we had reason to believe these actions were an innocent game and not linked to extremism, but we must take allegations such as these very seriously. We are disappointed by the immature behavior of the cadets.” The leaders of the U.S. Military Academy and the Naval Academy announced Friday that hand signals flashed by cadets and midshipmen before last weekend’s Army-Navy football game were not statements of “white power” but instead part of the well-known “circle game.”The findings were announced five days after the start of an investigation into ESPN cameras capturing the signals during the network’s pregame show. There was sharp division over whether the gestures — index fingers and thumbs joined in a circle, the other three fingers outstretched — were racist. The hand signal, generally associated with saying “OK,” is also associated with “WP,” or “white power.” From Vice Adm. Sean Buck, superintendent of the Naval Academy: “We are confident the hand gestures used were not intended to be racist in any way. However, we are disappointed by the immature behavior of the two Fourth Class Midshipmen, and their actions will be appropriately addressed.”According to CNN, the investigating officer assembled over 40 pieces of evidence, including emails and interviews.The object of the “circle game” is to get another person to look at the “OK” sign, which is delivered underhand. Those caught gazing upon the hand are then punched in the arm.last_img read more