Here’s what a lot of people won’t tell you about skiing. It sucks. Snowboarding too. Sucks. Okay, skiing doesn’t suck, but learning how to ski does. It’s miserable. You spend most of your time on the ground, trying to figure out how to get up without taking your skis off. Significant bruising is common. I was about 12 when my older brother taught me how to ski. He spent an hour pushing me down in the snow until I could stand up on my own. I spent the next seven years trying to learn how to stop on North Carolina ice. I still don’t think I have it down. Somehow, though, if you can get through all of the learning curve misery, skiing and snowboarding will hook you like “Bolivian Marching Powder” in the back room of an ‘80s disco. So when my twins turned two, I bought them skis and proceeded to teach them how to ski the only way I knew how: systematic pain and suffering. And it worked, kind of, the kids progressing slowly through a mix of joy and tears over the next few years.“Skiing is scary,” says Caroline Conner, who runs the ski school instructor training at Snowshoe Mountain in West Virginia. “A lot of people try it once and they don’t want to do it again. The ski industry as a whole has been talking for a long time about what we can do to make that first ski experience better.”Enter Terrain Based Learning (TBL), a ski-school program that has redefined the beginner slope. Instead of putting new riders on a standard green slope, TBL uses mellow versions of terrain park features like half-pipes, rollers, and berms to introduce new skiers and boarders to the fundamentals of riding.“What we’re doing with TBL is enabling skiers to have fun within their first two hours on the mountain,” says Joe Hession, who helped develop TBL four years ago when he was the general manager of Mountain Creek Resort in New Jersey. Since then, Hession has founded SNOW Operating, a firm that implements Terrain Based Learning parks and trains instructors at resorts across the country. Now, you can find comprehensive TBL programs at almost 30 resorts in the United States, including Cataloochee in North Carolina, Seven Springs in Pennsylvania, and Snowshoe Mountain in West Virginia.Last winter, I put my kids into Snowshoe’s TBL program hoping the instructors could do two things: 1) erase any bad habits I had imparted to my children, and 2) instill the stoke for skiing that I had yet to be able to pass on to them. My kids ski willingly, but they never ask to go skiing. This is the exact “problem” that TBL is designed to address.“If we can take away the fear factor by shaping snow features that help control speed, we can give new skiers these fun skiing sensations and hook them early on,” says Conner with Snowshoe.Hession says the data they’ve collected shows TBL retention rates are 30 percent higher than traditional ski schools. In other words, people who learn to ski through TBL are more likely to come back to ski again.Snowshoe’s Terrain Based Learning program is situated at the top of the mountain, adjacent to the village. Kids in the program break off with instructors based on age and skill level, and immediately hit the half pipe, where they begin skiing right away, learning how to use the curve in the snow to slow themselves down. From there, they progress to a short slope with large, mellow berms that guide them down the hill. When they get the hang of that, they move onto a short lift that serves the “perfect slope,” a gentle green run where the kids can practice putting together everything they learned from the lesson.“All of the fundamentals of skiing are still there,” Conner says. “You still work the gear the same way, you’re still learning to turn and stop. But we’ve reverse engineered the lesson, so guests can start sliding and moving firs before they learn how to stop and turn. They can start feeling the fun sensation of sliding on snow immediately. We found that doing away with just a few of those tedious tasks up front really increases the fun factor.”I saw it firsthand with my own kids, who progressed from timid beginners to confident skiers by the end of the first day. On day two, Snowshoe’s instructor had them skiing every green and some of the blues on Snowshoe. They rode the lift with confidence, looked down the mountain instead of at their feet and cruised right past the hallmarks of stopping and turning that I had spent two years trying to teach them, and started skiing with style. We’d make our way down Snowshoe’s Powderridge, a long, winding green that runs from the top of the village to the base of the mountain, with my kids constantly looking for opportunities to duck into the woods or hit little jumps. Every couple hundred yards, one of my children would yell, “watch this!” and fly high up on a berm, or flow through a chute between the trees. Sometimes they’d eat it, but they’d always get up smiling. The stoke was there. At the end of the weekend, my son broke down crying because we couldn’t ski for longer. He didn’t understand why we didn’t live at Snowshoe.I had a permanent grin plastered to my face on the way home, imagining a lifetime of family ski adventures ahead of us. It’s selfish, but if my kids are psyched to ski, that means I’ll get more days on the hill every year. Joe Hession gets it. “If the kids aren’t having fun skiing, then the parents aren’t having fun skiing.”
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 49-year-old woman was killed after she crashed her car in her hometown of Kings Park on Wednesday evening.Suffolk County police said Anna Devecchis was driving a Nissan Rogue westbound on Route 25A when her vehicle veered off the roadway and struck a tree at 6:20 p.m.The victim was airlifted to Stony Brook University Hospital, where she was pronounced dead.Fourth Squad detectives impounded the vehicle, are continuing the investigation and ask anyone with information on the crash to call them at 631-854-8452.
Congressionally induced uncertainty is back.The announcement this morning that Speaker of the House John Boehner (R., Ohio) will resign from Congress at the end of next month complicates the difficult debates in Congress over how to keep the government open and raise the debt ceiling.The government’s current funding expires on Sept. 30 and some members of Congress want to use the debate over the budget as leverage to strip federal government funding from the women’s health organization Planned Parenthood. As the leader of the House Republicans, Mr. Boehner was a key player in pushing to keep the government open, having made clear that he does not want to shut down the government again.The political fallout from his resignation remains to be seen, but it’s safe to say that the uncertainty is back.Congress has repeatedly struggled to reach clean agreements on key fiscal issues in recent years. In 2011 the Treasury came within days of running out of funds. This led to a downgrade of the U.S. triple-A credit rating from Standard & Poor’s. In October of 2013, the government shut down for over two weeks after Congress failed to reach an agreement on keeping it open. continue reading » 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Legislation that would delay the implementation of new Home Mortgage Disclosure Act (HMDA) requirements until their impact can be studied has the full support of CUNA. The Homeowner Information Privacy Protection Act (H.R. 4993) was introduced by Rep. Randy Hultgren (R-Ill.), and would delay implementation of the rules until the Government Accountability Office has completed a study on the data Consumer Financial Protection Bureau is requesting from lenders.“The Consumer Financial Protection Bureau recently finalized amendments to Regulation C that would significantly increase the amount of data mortgage lenders, including credit unions, will be required to provide,” wrote CUNA President/CEO Jim Nussle. “The rule will also almost certainly lead to mortgage credit and other credit union services being more expensive and possibly less available to our members, your constituents.”The CFPB’s new requirements include requiring credit unions that have originated 25 or more closed-end mortgage loans, or 100 or more open-end loans, to report dozens of data points in addition to what is required by Dodd-Frank, which calls for only 17.“When implemented, the final CFPB rule will impose significant burden on credit unions beyond what Congress envisioned when enacting the Dodd-Frank Act,” Nussle wrote. “Credit unions will undertake significant expense to bring their systems into compliance with a rule that does very little, if anything, to provide credit union members with additional protection.” continue reading »
It’s generally agreed that the Great Recession occurred when the mortgage market crashed, and was fueled by loose mortgage underwriting standards.However, there was another cause nobody talks about: financial illiteracy. Many mortgages defaulted because consumers didn’t understand the terms of their interest-only loan and how it affected their ability to repay once the loan reset. Other homeowners didn’t understand how cashing out equity would put them at risk if the value of their home dropped.Credit unions truly care about their members, and some provide financial education, whether it’s a free mortgage workshop or a blog post that provides budgeting tips.However, most financial education efforts simply don’t work. Here are four reasons why. It’s uninspiringMost financial education is as much fun as a root canal. We teach teenagers the harsh reality of everyday living. We expect adults to cut fun out of their budgets. We tell retirees to accept standards of living below what they had hoped or planned for. Some financial education is even judgmental or required as punishment for past performance. That’s a guaranteed turn-off.Financial education should be inspiring. It should be fun. It should be funny and aesthetically pleasing and give people hope. It should teach them how to earn more or get more for their money, rather than just how to get by on less. It doesn’t address belief systemsFinancial education is like dieting advice. Everybody knows you need to eat less and exercise more to lose weight. But if simply knowing what to do solved the problem, we’d all be thin and rich. Many people do need to learn the basics of budgeting and investing, but the real problem lies in executing those plans. Attitudes and beliefs about money are formed when people are young. Those hidden thoughts reside in their subconscious mind, where they can sabotage the best of intentions. Effective financial education must employ a two-pronged approach that not only teaches skills, but provides members with a new, strong belief system about money so they can successfully execute those skills. It teaches outdated ideas about moneyBalance your checkbook. Open a 401K. Stop buying coffee at Starbucks. This sort of advice is not only unoriginal and uninspiring, it communicates limited, outdated financial strategies. Robert Kiyosaki, financial education expert and author of the legendary book Rich Dad, Poor Dad, said one good example of this is the difference between assets and liabilities.Many of us learned about assets and liabilities in accounting class in high school. However, Kiyosaki says, the rich use another definition that’s grounded in simplicity and reality: an asset is anything that puts money in your pocket and a liability is anything that takes money out of your pocket. That means the rich see a mortgage as a liability, not an asset. Likewise, Kiyosaki says, most financial educators teach the value of capital gains, but rarely educate consumers about ways to increase cash flow. It doesn’t effectively cross sell your credit unionIn order for members to make financial headway, they must escape the grip of predatory lenders that overcharge them for credit cards, car loans and other financial products that hamper their success. They need your credit union. Financial education isn’t the same as advertising. Instead, it should provide education, but include a convenient opportunity to act on that knowledge by applying for credit union products and services. Financial education that misses the mark is a waste of resources and doesn’t help anyone. That’s why my business partner, John San Filippo, and I launched FinancialFeed, a financial education content service for credit unions. You’ve probably seen examples of our work this month featured on CUInsight. FinancialFeed uses a well-respected, secure delivery platform that automatically pushes insightful, inspiring, educational and customizable content to your credit union’s website each weekday. It’s inspiring, funny and aesthetically pleasing. It teaches new ideas about money. It doesn’t judge. You can customize it to cross sell your credit union products and services. And, it’s available at a price every credit union can afford, regardless of asset size. Click here to learn more and contact us for a demo at your convenience. 41SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
From Beijing to Berlin – the BBC looks at the impact of the ideological shift in the White House.- Advertisement –
One of the first small family hotels in Hrvatsko Zagorje, which has been named the best small continental hotel in Croatia for three years in a row, has made a unique step forward in the offer of continental tourism.The investment worth two million euros opens Villa Magdalena to the business tourism sector as well. Villa Magdalena is unique in that each accommodation unit is equipped with a jacuzzi with thermal water in the living room. Two conference halls are also a novelty, which has positioned this hotel as a desirable choice for various business arrangements. “We are aware that investments are the key to survival in an increasingly demanding market and a response to the needs of guests, which is where the idea of expanding the hotel’s capacity came from. Zagorje has a huge tourist potential and I am sure that our example will encourage other investors to pay more attention and look for investment opportunities in our area.”, Said the owner of the Villa Magdalena hotel, Ivan Petrović, and added that the investment was financed with its own funds.Hotel Villa Magdalena is the first four-star hotel in Hrvatsko Zagorje and Krapinske Toplice opened in 2009. Last year, the hotel achieved an occupancy rate of 81 percent throughout the year and a total of 5.741 overnight stays in only nine accommodation units. For three years in a row (2012, 2013 and 2014) it was named the best small continental hotel in Croatia according to the choice of Tourist Flower – Quality for Croatia. “Investments are key to further strengthening the competitiveness of tourism in the Republic of Croatia, with investments in the hotel industry being of particular importance because this is a segment that characterizes year-round operations. According to the Tourism Development Strategy of the Republic of Croatia until 2020, the plan is to increase the share of hotels in the total accommodation structure, but also to strengthen the additional tourist offer throughout the year throughout the country, especially on the continent with great tourist potential. Therefore, hotels that offer additional facilities to tourists in addition to their classic offer, for example in the health tourism segment, are a strong element for the development of the quality of the overall tourist offer of Croatia, but also the destination in which they operate. Also, with its renovation, the hotel Villa Magdalena has the opportunity to position itself as a place for business meetings and conferences, which will contribute to the year-round offer of Zagorje and the continental part of Croatia in general.Said Tourism Minister Gary Cappelli.
Amid rising populism and identity politics around the globe, the formation of a regional identity must strike the right balance between integration and regulations, European and ASEAN experts and officials have recently noted.In a webinar hosted by the German embassies in Jakarta and Singapore last week, policymakers from ASEAN and the European Union compared notes on how the two groups established a regional identity among their people, despite the differences the two have.As an intergovernmental organization, ASEAN consists of 10 member states with a total population of more than 647 million people. The EU is a political and economic union of 27 member states with a total population of about 447 million people.The two regional groups have vastly different levels of integration in many policy fields due to the nature of their organizations, with the EU being much more econom… Forgot Password ? Log in with your social account Topics : Facebook Linkedin LOG INDon’t have an account? Register here #ASEAN ASEAN EU #EU ASEAN-EU #ASEAN-EU populism identity-politics integration #integration Google
There’s polished timber floors throughout Yaroomba work well with sandy feet.It’s a true retro wonder with plywood features, shamless colour choices and a seriously laid-back patio for storing your shark biscuit.More from newsMould, age, not enough to stop 17 bidders fighting for this home3 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor3 hours agoEven the kitchen looks like summer — all year long.There’s a little something extra too — a second block, so even your entrepreneurial spirit will get a lift. 22 GEORGE STREET, ALEXANDRA HEADLAND You may have to beat away the developers for this Sunshine Coast hottie. Palm Beach is a classic shack with a modern touch.The weatherboard and tin home is built over two levels, with the upstairs living and balcony sure to have “long lost friends” keen for a catch up. The round-end bench tops keep things nauticalThe home has hardwood timber floors, porthole windows and round-end kitchen counters that give away its vintage too. 478 THE ESPLANADE, PALM BEACH . If you’re a surfing CEO that wants to own beachfront property on the Gold Coast, make time in your busy schedule for this Palmy property. Queensland beach shacks make for a great summer escape — even in winter.SURE it’s winter … but it’s winter in Queensland.If you’ve already basked by the beach on a clear July day and dreamt of owning your own piece of paradise near the sea, this collection of cracking shacks might just convince you to take the plunge. 1-3 GEERIBACH LANE, YAROOMBA It would be a case of quite literally stepping off your block and onto the dunes. Watercolour views from the dining room. Porthole glass is a classic from the era. Even the decorations feel laid back in Yaroomba..This three-bedroom Sunshine Coast home has all the charm. The Palm Beach home even has the obligatory pine tree in the back yard. Could you get used to this view?The 412sq m site is improved with an 1960s shack that’s had a little contemporary update. The Alexandra Headland home is a bit further from the beach, but looks like it should be waterfront.The trek to the beach is a bit longer, but if you’re into yesteryear surf style, here sits a three-bedroom, two-bathroom option to stoke your fancy.
Loading… Pep Guardiola says football’s power brokers are ruining England’s chances of success at Euro 2020 – because of the punishing fixture schedule. England strikers Harry Kane and Marcus Rashford are enduring long injury lay-offs, with both facing a battle to prove their fitness ahead of this summer’s tournament. Marcus Rashford will be out of action for Man Utd after he was injured against Wolves last week Tottenham ’s Kane suffered a ruptured tendon in his hamstring which required surgery, while Manchester United forward Rashford sustained a double stress fracture of his back. Manchester City boss Guardiola believes the Football Association and the Premier League only have themselves to blame for the high-profile injuries – because of the fixture demands on players. Guardiola said players are breaking down because they are required to play too many games and even called for the Carabao Cup to be scrapped. Kane is also sidelined. “I’m so sorry for Kane and Rashford, but we demand a lot from the players, it’s too much,” said Guardiola. “The players deserve to be treated as they should be, so they perform as well as possible. “It’s unsustainable. The players fall down. It’s too much. They [the authorities] should reflect on it but all the managers complained about it and they don’t care. “The players suffer. We push and push, but the body says stop, it’s enough. Of course it’s too much to expect. Read Also: Man Utd fans blast Solskjaer for over using Rashford “Less games, less competitions, less teams, more quality, less quantity.” Guardiola has rested England winger Raheem Sterling, who has sat out two of City’s last four games, to save him from burn-out and potential injury. “He’s played more than 3,000 minutes,” said Guardiola. “His standards are continuing quite similarly. Maybe he hasn’t scored in the last few games, but there are no doubts.” FacebookTwitterWhatsAppEmail分享 “The players arrive at the Euros, playing with the national teams, trying their best, then back here after no more than 20 days because the business, the show must go on. “The big administration people cannot complain, because it’s normal this happens. “With that number of games, players break down. I’m not surprised. I’m so sorry for them.” Pressed on the solution, Guardiola, chasing a third successive Carabao Cup, suggested scrapping the competition entirely to ease the fixture burden. Asked if it would solve the issue if Premier League clubs were not involved, Guardiola said: “But then it wouldn’t be interesting. It would just be for the Championship teams or League One and League Two. “Eliminate competitions, take them out completely – so less games. Promoted Content7 Universities Where Getting An Education Costs A Hefty PennyWho Is The Most Powerful Woman On Earth?A Soviet Shot Put Thrower’s Record Hasn’t Been Beaten To This Day7 Ways To Understand Your Girlfriend BetterBirds Enjoy Living In A Gallery Space Created For ThemCouples Who Celebrated Their Union In A Unique, Unforgettable Way7 Black Hole Facts That Will Change Your View Of The Universe10 TV Characters Who Were Destined To Become Iconic2020 Tattoo Trends: Here’s What You’ll See This YearThe Models Of Paintings Whom The Artists Were Madly In Love WithBest & Worst Celebrity Endorsed Games Ever Made10 Inventions That Make Our Lives Much Easier