Credit Union Match ready to launch

first_img 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr A search engine to help prospective members find credit unions they can join to get the services they want is scheduled for public launch this month.Credit Union Match is going through beta testing to evaluate how well the application sorts through the myriad membership guidelines of all U.S. credit unions. The aim of this online service is to “solve credit unions’ eligibility problem for consumers,” says Sam Brownell, founder of CUCollaborate, which is developing the application.Based on the information users enter, such as where they live, work, worship, and volunteer, Credit Union Match returns a list of all the credit unions they can join. Then potential members can review the products and services those credit unions offer and select their favorite.During testing and fine-tuning, credit unions were invited to confirm their field of membership set out in their bylaws. All credit unions will be included in the search tool for free but will need to login and confirm their field of membership rules to show up in search results, Brownell explains. continue reading »last_img read more

PenSam hit by deeper-than-expected 2013 loss

first_imgThis is why the 2013 result fell short of expectations expressed in an interim report published at the half-year stage, the fund said.It said last year’s exercise, whereby many customers in the old PMF-Pension switched to the non-guaranteed Fleksion product, delivered a DKK132.2m blow to profits.PMF-Pension – the labour-market pension fund for childcare assistants, which PenSam took over from Sampension in 2006 – was merged into PenSam in 2012.Customers with old-style PMF-Pension plans, which included guarantees, were given the option last year to accept a bonus for changing their plans to Fleksion.PenSam said 38% of the 30,000 customers asked did opt to switch.PenSam Liv’s overall investment return for 2013 was 3.2%, and the Fleksion pension product generated a 7.7% return, the fund said.Helen Kobæk, PenSam’s managing director, said PenSam Liv had produced good investment returns in all asset classes.Equities returned 27%, while private equity and infrastructure generated a return of 8-9%, she said.Last year’s investment return was the result of the more active investment strategy put in place in 2010, which aimed to balance assets actively and manage risk effectively, PenSam said.Developments on the financial markets in the wake of the financial crisis had thrown up good investment opportunities, it said.As part of this, PenSam said it made active investments in construction projects in the Copenhagen harbour, in addition to buying up a mortgage bond portfolio from the state liquidator Finansiel Stabilitet. Contibutions for the year were broadly unchanged from the year before at DKK5bn.Assets under management rose to DKK84.5bn at the end of 2013 from DKK77.6bn a year before. Denmark’s PenSam reported an unexpectedly large loss for 2013 after it paid bonuses to customers switching to non-guaranteed pension plans.PenSam Liv – the part of the PenSam group that runs its core labour-market pension schemes – made a loss of DKK85m (€11m) in 2013 before tax, down from 2012’s profit of DKK186m.In its annual report, PenSam said: “The year’s result is not satisfactory but should be seen in the light of the product changeover that was carried out and developments on the financial markets.”The return on capital in the second half of the year failed to offset the effect on results of the product changeover, it said.last_img read more

D’Abbraccio: Christmas follows up worst performance of season with best, carries Syracuse to upset of No. 12 Louisville

first_img Published on February 19, 2015 at 12:08 am It was obvious to Michael Gbinije that Rakeem Christmas wasn’t happy after Saturday’s loss.The Syracuse big man had disappeared against Jahlil Okafor, Duke’s phenom and the potential national player of the year, and stumbled to his worst performance of the season.But Christmas insists that the debate of his stature among the country’s most prolific big men isn’t what drove him to respond the way he did Wednesday night.“I don’t really care about all that. I just try to help my team win,” Christmas said. “I knew I had to put that game behind me and that’s what I tried to do.“And that’s what I did.”AdvertisementThis is placeholder textIt was Christmas’ team again. The script throughout the Orange’s nonconference schedule and its early Atlantic Coast Conference slate was reenacted in the form of his most efficient game yet. After two subpar outings — the latter of which on a national stage — he outshined Louisville’s Montrezl Harrell with 29 points as Syracuse (17-9, 8-5 ACC) finally got the best of a ranked team, the victim being the No. 12 Cardinals (20-6, 8-5), 69-59, in front of an overjoyed audience of 26,160 in the Carrier Dome.And on the other end, he anchored an SU defense that cut down the Cardinals’ shooting percentage by nearly 20 percent after halftime, which helped transform the Orange’s possibility of an upset into reality.“He finished everything down there,” SU head coach Jim Boeheim said. “He was spectacular in the low post… Tonight was his best, I thought, this year.”After a 4-for-4 start from the floor and his beginning to an exemplary night at the free-throw line, Christmas had 11 points by halftime.Harrell — his counterpart, an imposing big man who came in averaging 15.4 points and 9.3 rebounds per game — had 12 points on 5-of-6 shooting in the first half. Even without suspended point guard Chris Jones, the Cardinals had shot 53.8 percent from the floor and their big man was off to a better start than Okafor was on Saturday. And he finished with 23 points and 13 rebounds, while Christmas shot just 5-for-17.“He shrugged it off. He knew we had more games,” Gbinije said of Saturday’s loss to Duke. “His whole season’s not based off of that game.”With 13 minutes left, Christmas took back the control that we haven’t seen him command in a week and a half.The patented baby hook brought Syracuse within one. Two free throws put SU ahead. The next two baskets were pure athleticism.From the corner, he took on Chinanu Onuaku into the lane, absorbed contact as he floated in the air and drained the shot and the ensuing foul shot, without much reaction.And 30 seconds later, he was gliding toward the rim on the break and softly slamming in two more points to stir the crowd — but not with the usual arm raise he’s used to celebrate his dunks.When his run was over, Christmas had accounted for 14 of Syracuse’s 18 points and replaced a three-point deficit with a 58-52 lead with 5:07 left.“He was back to being Rak tonight,” Cooney said. “Just to get out there and be himself and finish the shots that he can, I thought he was unbelievable. Offensively and defensively, he changed the game.”And when Christmas pulled down a rebound with SU up by eight in the final 40 seconds and began walking toward the foul line, the standing ovation that developed felt intended for him just as much as it applauded the signature win he was nailing down.Instead of salvaging his numbers with meaningless dunks and making the disappointing walk through the tunnel like he did Saturday, Christmas was energizing a rowdy Carrier Dome crowd with his arms and nodding his head as the final seconds ticked away. Instead of submerging into a cushioned chair in the SU locker room and muttering his answers to reporters quieter than usual, Christmas stood — and even incited laughter.Yet despite Christmas’ career night, the consensus of postgame chatter was that defense was in fact the reason for the Orange’s defining victory. Boeheim said defense was the difference. Cooney said the game was more about defense than offense.Christmas wasn’t dominating the discussion — and that’s just fine with him.Phil D’Abbraccio is the sports editor at The Daily Orange, where his column appears occasionally. He can be reached at [email protected] or on Twitter at @PhilDAbb. Comments Facebook Twitter Google+last_img read more

Ben Simmons triple-double leads 76ers past Bulls

first_imgLATEST STORIES Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college Gov’t to employ 6,000 displaced by Taal Sixers fans rose to their feet, erupted in cheers and chanted “Fultz! Fultz! Fultz!”Yes, a simple jumpshot from the top pick of the 2017 draft in the second game of the season was enough to get a rise out of the fans — and a sigh of relief from Fultz.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSJapeth Aguilar wins 1st PBA Finals MVP award for GinebraSPORTSGolden State Warriors sign Lee to multiyear contract, bring back Chriss“It makes me feel better for the whole crowd to feel as good as I want to,” Fultz said.The curious case of Fultz’s missing jumper continued against the Bulls when one of the more scrutinized players in the NBA managed to steal the spotlight from his more accomplished teammates with routine — yet highlight-reel worthy — baskets. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Tim Cone, Ginebra set their sights on elusive All-Filipino crown Fultz was 1 of 6 in 15 minutes in the first half and didn’t play again until late in the third and the Sixers leading by 88-68.“The challenge is to grow him and help us win the game,” Brown said. “There’s no book that tells you how to do that, so you’re going to have to figure some stuff out. There will be some pain along the way and some positives.”With or without Fultz, the 76ers had plenty of positives after an opening-night disaster in Boston.Simmons reached a triple-double with 2:34 left in the third, the 13th of his career and the first Sixer to ever get one in the home opener. Sixers fans chanted “Trust the Process!” when Embiid ended the third with free throws.Fultz proved a long-range ace again in the fourth — this time with a 3! He drained his first career 3-pointer for a 108-88 lead and the Philly fans that are firmly perched in his corner went wild and again chanted his name.The Sixers know that if they want to become legitimate Eastern Conference contenders, Fultz will have to become the star they envisioned when they drafted him.“I’m never afraid,” Fultz said. “I worked hard this summer. Tonight, I didn’t make a lot of them, but I’m going to keep shooting them. If I see an open shot, I’m going to go shoot it.”He didn’t even mind when Chicago’s defense sagged off him, daring him to take shots. The Bulls, not expected to win much in the East, scored a combined 35 points in the second and third quarters. Zach LaVine led the Bulls with 30 points in their season opener.“When we started missing shots, we stopped guarding and rebounding,” Bulls coach Fred Hoiberg said.TIP-INS Allen Durham still determined to help Meralco win 1st PBA title Nadine Lustre’s phone stolen in Brazil MOST READ Bulls: G Kris Dunn missed the game for the birth of his son. … Bobby Portis had 20 points and 11 rebounds.76ers: Rapper Meek Mill sat courtside and rang the ceremonial Liberty Bell to start the game. … Embiid thanked the fans for coming and told them to “Trust the Process.”1ST Q & NO DEmbiid scored 12 points in the first 5 minutes of the game and neither team missed many looks in the first quarter. The Sixers made 11 of their first 14 shots and the Bulls started 14 of 19. The 76ers shot a whopping 70 percent in the quarter and still trailed the Bulls 41-38.UP NEXTBulls: Play home opener Saturday against Detroit.76ers: Host Orlando on Saturday.Sports Related Videospowered by AdSparcRead Nextcenter_img Don’t miss out on the latest news and information. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Until he gets his shot right, Ben Simmons and Joel Embiid will continue to lead the Sixers.Simmons had a triple-double with 13 points, 13 rebounds and 11 assists and Embiid had 30 points and 12 rebounds to lead the Philadelphia 76ers past the Chicago Bulls 127-108 on Thursday night.Fultz scored 12 points on 5 of 15 shooting, the most shots taken by a Sixer.“He shot it to mean it,” coach Brett Brown said. “He didn’t look afraid of anything. He missed the shots but they looked good.”Fultz is coming off a miserable rookie season that was shortened because of a right shoulder injury, a broken shot and busted confidence. Even his personal shooting coach said Fultz suffered from the “yips,” an assertion shot down on media day by the second-year guard. Fultz simply blamed his lost season on the injury. Brown tried to give Fultz a confidence boost by putting him in the starting lineup — yet has benched him for the start of the second half.ADVERTISEMENT View comments Japeth Aguilar embraces role, gets rewarded with Finals MVP plum Blazers spoil James’ debut with 128-119 win over Lakers Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Philadelphia 76ers Ben Simmons, right of Australia, goes up for the shot with Chicago Bulls Zach LaVine, left, defending during the first half of an NBA basketball game, Thursday, Oct. 18, 2018, in Philadelphia. The 76ers won 127-108. (AP Photo/Chris Szagola)PHILADELPHIA — Markelle Fultz heard 20,000 Philadelphia 76ers fans exhort him to shoot each time he touched the ball, a roaring confidence boost for a No. 1 pick closer to a bust than brilliance.Fultz had the look he wanted in the second quarter. He dribbled to the foul line without a defender in his path, pulled up and uncorked a jumper. The ball rattled around the rim before it fluttered through the net.ADVERTISEMENT Will you be the first P16 Billion Powerball jackpot winner from the Philippines?last_img read more

How You Tune In

first_imgStudies on rats have shown there are certain neurons that respond to changes in the background sound (see LiveScience story on MSNBC News).  We humans probably have these, too.  Rather than firing continuously, they search for changes in the auditory landscape that might be of interest: changes in pitch, loudness or duration in single sounds or patterns of sounds.  The work was done by Ellen Covey and a team at the University of Washington and published in the European Journal of Neuroscience.  “The novelty detector neurons seem to act as gatekeepers, Covey and her colleagues conclude, preventing information about unimportant sounds from reaching the brain’s cortex, where higher processing occurs.”  This is how we can ignore unimportant information, even though it may be loud.  It also may play a part in our sense of humor: “Whatever we have just heard allows us to anticipate what will come next, and violations of our predictions are often surprising or humorous.”One of the great mysteries of neuropsychology and of philosophy is the mind-body problem.  We continue to learn about the intricate machinery, the physical and chemical properties of our neurons, but how do these mechanical activities translate into our sensations of the external world?  How does a chain of processes leading to the brain connect us to what is really out there?  How can we be sure that the end of the chain, what is actually closest to us, corresponds to the source of the signal in the external world?  How can our minds choose to focus in on certain sensations around us?    Even the act of raising an arm is a complete mystery.  You can command your arm “Up!” and make it go up, or you can even make it disobey your command or stay still.  Such simple things are really baffling when you think about them.  It is clear that a fantastic array of biological instrumentation is involved, but it also appears hopelessly inadequate to reduce our mental operations to the motions of molecules.  Stories like this can be cause for thoughtful reflection.(Visited 6 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

International airfares start the year at bargain-basement levels

first_imgInternational airfares on key routes from Australia look set to stay at bargain levels this year as full-service carriers battle it out in a competitive environment that includes an increased presence by Chinese airlines.Travel agent Flight Centre is advertising return economy fares as low as $A1136 return between Sydney and London, $A899 return to Los Angeles and $A1099 to New York.Perth people get an even better deal with advertised fares as low as $A879 return to Los Angeles, $A1079 return to New York and $A1089 to London.Dubai-based Emirates joined the fray today with a New Year sale offering return economy class fares from Australia as low as $A1299 to Europe and $A1399 to the UK.The Emirates fares, for travel from February 1 to November 30, come as the International Air Transport Association has predicted that global air fares will continue to fall in real terms this year as increased global flight frequencies see 73 aircraft depart each minute.IATA is predicting the average return fare this year will be $US351 before surcharges and taxes, or 63 per cent lower than 22 years ago when adjusted for inflation.That compares with an average return fare of $US363 in 2016 and $US407 in 2015.Chinese carriers remain the full-service fare leaders on European routes with pricing only a few hundred dollars more than the no-frills economy launch fares to Athens — $A738 return from Perth and $838 return from Sydney — offered by low-cost carrier Scoot.  Singapore-based Scoot is due to launch European services in June, followed by Kuala Lumpur’s AirAsia X in October. Top-tier airlines such as Emirates, Etihad, Singapore and Qantas are not far behind with all of them offering attractive economy fares below $1500 returnAs with all great deals, however, there are caveats.The most important is the likelihood of limited availability —sale fares come on a first come, first served basis and those that tarry miss out. Travellers often discover that those tantalisingly cheap advertised prices are impossible to find.Nonetheless, two booking queries on flights to London from Sydney and Perth in May showed a good choice of airlines offering economy tickets for less than $1500 return.   The bookings were not finalised so a final check on availability was not done and the fares, rounded to the nearest dollar, are indicative only. They also do not include the website’s  fees.For a Perth-London trip leaving on May 9 and returning May 25, China Southern was  offering a return economy fare of $A1092, Etihad  started at $A1215, Virgin Australia/Singapore Airlines came in at  $A1277, Thai International  at $A1430, Malaysia Airlines $A1438, Qantas $A1459 and Emirates $A1475.For the same trip to and from Sydney, Air China came in at $A1062, China Southern started at $A1147, Air India was $A1232 and Singapore Airlines/Virgin Australia were at $A1295.Korean Air offered a return fare of $A1342, China Eastern $1395 while a group of airlines, including Emirates and Qantas, were in the band between $A1400 and $A1500.Travelers also need to check restrictions on the dates or the routes you can fly and the time you have to wait between connections. The latter can make a considerable difference to the time spent travelling — a one-way,  outbound leg on a Sydney-London trip estimated to take just under 23 hours on Singapore Airlines was listed as almost 43 hours on Korean Air.Other pitfalls include seats that are more cramped than expected,  fares that may not cover some “extras” and aircraft changes at hubs.An Emirates Airbus A380 is a comfortable way to fly but it can be a shock to then switch to the 10-across seating on one of its Boeing 777s. It can be even more disturbing to discover that big US airlines have small regional commuter planes on unexpected routes.Then there’s safety. Airlines servicing Australia are required to meet minimum safety standards but some have better track records than others.AirlineRatings has a comprehensive database assessing airline safety and has picked the 20 safest from the 425 it monitors.last_img read more

Eskom buys power from private producer

first_imgThe company also revealed that it is in negotiations with potential South African lenders for a refinancing of up to US$20-million (about R148-million) of its own inter-company funding of the Newcastle plant. The loan facility was secured from the Sterling Trust Limited, a UK-based private investment company, and is repayable within 90 days of drawdown. According to Ipsa, the loan will be repaid out of the revenues received at the Newcastle plant. “The last year was a period of continued difficulty in the South African power industry as Eskom struggled to re-arrange its finances and to meet its obligation to sign contracts with independent power producers for the provision of privately generated electricity,” said Ipsa chairman Richard Linnell. According to the company, the plant is expected to generate electricity for nine days toward the end of the month, subject to obtaining the necessary approvals for the loan. In the meantime, the plant has continued to incur both direct costs of employing staff as well as rent, rates, rates and gas supply liabilities of a normal, fully constructed power plant. “I am pleased that our Newcastle plant can be brought into operation so quickly in order to make a small contribution towards relieving the strain on the South African electricity system at this critical time,” Ipsa CEO Peter Earle said in a statement last week. The company’s Newcastle plant is the first Independent Power Producer (IPP) plant to be built in South Africa, but has been lying idle as Eskom had yet to finalise power purchase agreements with any independent producers. Local refinancing Ipsa, which is listed on London’s AIM and the JSE’s AltX markets, also announced the arrangement of a short-term loan facility of £300 000 (about R3.3-million) to restart generation at its gas-fired power plant in Newcastle, KwaZulu-Natal. Integrated energy policy SAinfo reporterWould you like to use this article in your publication or on your website? See: Using SAinfo material “Now at last we seem to be sensing the first signs of an integrated energy policy for South Africa which includes IPPs at its heart.” In addition, the Sterling Trust will also receive warrants to subscribe for 300 000 new ordinary shares at a price of 15 pence per share, exercisable within 24 months. London-listed power producer Ipsa has concluded a short-term agreement to sell electricity – generated at its plant in KwaZulu-Natal – to South African state company Eskom for the remainder of the month of June. 21 June 2010last_img read more

Gwynne area at FSR features abundant topics

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Millions of ash trees have died in Ohio, meaning millions of chances exist for Ohioans to cut them down with chainsaws.A series of talks at Farm Science Review will show how to do it safely. The series, called “Chainsaw Safety and Maintenance,” will be given three times in the Review’s Gwynne Conservation Area: on Sept. 20 and Sept. 21 from 12:30 to 2:30 p.m.; and on Sept. 22 from 11:30 a.m. to 1:30 p.m.“With all the dead and dying ash trees out there” — no thanks to the emerald ash borer pest — “I really wanted to see an opportunity for landowners to learn how to use their chainsaws the right way,” said Kathy Smith, a co-organizer of the series and of more than four dozen other talks in the Gwynne area during the Review.She’s the forestry program director in the School of Environment and Natural Resources at The Ohio State University.“A chainsaw is an easy tool to use,” she said, “and an even easier one to misuse and end up severely hurt.”Talks in the Gwynne area — 67 acres of green space with forests, ponds and prairie — will focus on conservation topics of interest to farmers and others, including trees, pastures, grasslands, wetlands, wildlife, insects, water and fish. Among the speakers and topics are:• Dave Apsley of OSU Extension and Bob Mulligan of the Ohio Department of Natural Resources will present “Things You Should Consider Before Selling Your Timber” from 10:30 to 11:30 a.m. Sept. 20 and at the same time Sept. 21.• Joe Boggs of OSU Extension will give a “Zika Virus Update for Ohio” from 12:30 to 1:30 p.m. Sept. 20. Zika is a mosquito-transmitted virus of concern in Central and South America, the Caribbean, and increasingly in the southeast U.S.• Marne Titchenell of OSU Extension will discuss “Attracting Songbirds to Your Property” from 2:30 to 3 p.m. Sept. 20.• Bill Lynch, who’s retired from OSU Extension, will look at “Fish Stocking in Ponds” from 10:30 to 11 a.m. and “Stormwater Ponds” from 11:30 a.m. to 12:30 p.m., both on Sept. 21.• Lee Beers of OSU Extension will present “Low-Impact Logging: Is It Right for You?” from 1:30 to 2:30 p.m. Sept. 21.• Brian Kleinke and Matt Smith, both of OSU Extension, will talk about hydroponics and aquaponics in back-to-back sessions from 2 to 3 p.m. Sept. 21.• Chris Penrose of OSU Extension will explain “Managing Nutrients on Pasture” from 10:30 to 11:30 a.m. Sept. 22.• Smith herself will lead a “Tree ID Walk” from 11 a.m. to noon Sept. 22.Other topics will include composting, pollinators, pond aeration, invasive species, wildlife “night sounds,” deer exclusion fencing and grazing warm-season grasses. A complete schedule of all the Gwynne talks is atgo.osu.edu/2016Gwynne.Besides the chainsaw series, activities held every day in the area will include pasture and grassland management tours from 12:30 to 1:30 p.m.; “Soil and Water Conservation District National Archery Program for Schools-Type Archery” from 10 a.m. to 3 p.m.; and “Preparing for the Envirothon” from 9:30 to 10:45 a.m. Envirothon is a national competition testing high school students’ knowledge of soils, forestry, wildlife and related topics.“I think what most (Review-goers) enjoy about the Gwynne is the opportunity to interact with resource people on specific topics, see some of those topics applied on the landscape, and get answers to their management questions,” Smith said. “There aren’t a lot of opportunities like this available — ones where you can cover a wide range of topics in a small area.”last_img read more

Martin’s Pretty Good House Manifesto

first_img Sign up for a free trial and get instant access to this article as well as GBA’s complete library of premium articles and construction details. One of the presentations I attended at the Passive House conference in Portland, Maine, on September 22, 2014 was a session called “Passive House certifiers’ roundtable.” The first speaker on the panel, Tomas O’Leary, explained that he usually charges about $2,200 to certify a residential Passivhaus project. He warned the audience that certification is “quite an effort; don’t underestimate it.”Tomas advised that anyone interested in certifying their Passivhaus should remember the following important steps:Is each one of these details really essential for determining whether a house can be certified as a Passivhaus? Absolutely.If you are in any doubt about this issue, remember that one of the cited causes of the famous divorce between the Passivhaus Institut in Germany and Passive House Institute U.S. was a dispute over the details of the certification documents for a house in Canada. The dispute centered on two points: whether the efficiency calculations for a Canadian HRV met the strict efficiency calculation requirements specified by the German institute; and whether an evergreen tree was tall enough to invalidate the shading calculations entered into PHPP.I admire energy nerds who use THERM modeling for all kinds of complicated building assemblies. I really do. We can learn a lot from THERM modeling calculations.I’m grateful that someone has made the calculations to determine that in-betweenie windows perform slightly better than outie windows. Now we know.I’m also grateful that Stephen Thwaites and Bronwyn Barry are available to explain the subtle differences between the way window U-factors are calculated in Europe and the way they are calculated in North America.But when I hear lengthy discussions on these issues, I sometimes think we’ve fallen down the rabbit hole. If you are a builder or a designer rather than a building scientist, it may… This article is only available to GBA Prime Memberscenter_img Start Free Trial Already a member? Log inlast_img read more

Wiping the Slate Clean

first_imgIt’s a funny thing the way our little corner of the universe is organized. Each day the earth makes one complete revolution on its journey around the sun—and us with it. Each morning when we wake up, the prior day is forever lost to us. It’s almost as if by design we were given the ability to call for a do over. Like somehow, it’s necessary.Every year at just this time, we complete another trip around the giant star in the center of our solar system. The year that we are leaving is also forever lost to us as we enter the New Year. This annual journey is another opportunity to call for a do over.The past is forever lost to us. The future is unknown. All we ever really have is this moment.But we do step into that moment with all the knowledge and the experience we gained yesterday. We step into the new sunrise a little bit wiser and a little bit better prepared than we were the day before. We greet the new horizon armed with all the knowledge we gained from our victories, the lessons and scars from the battles we lost, and on the whole, better prepared.We’re better prepared to try again.We’re better prepared to try something new.We’re better prepared for the adventure that is tomorrow.And we’re better prepared to wipe the slate clean and start over.You can’t carry your victories with you; those battles have already been fought and won. You can’t carry your losses with you either. You can’t refight those battles. All you can carry with you into the future is the wisdom that you gained from the ride you took on this small rock circling around the giant star in the center of our little corner of the universe—and all of the relationships you’ve developed on your journey.If you need to wipe the slate clean, wipe it clean. Tomorrow is a brand-new day.And the day after that is a brand-new day too, should you need it.Make it a Happy New Year! Essential Reading! Get my 3rd book: Eat Their Lunch “The first ever playbook for B2B salespeople on how to win clients and customers who are already being serviced by your competition.” Buy Nowlast_img read more