A Real Vacation.

first_img“The drive-eat-sleep vacation routine we get into doesn’t do much to relieve stress,” said Janine Freeman, an Extension Service nutrition specialist with the University of Georgia College of Family and Consumer Sciences.On the other hand, she said, physical activity is a proven stress beater.The problem, Freeman said, is that when your body is sedentary, your mind can wander, and you end up dwelling on your problems instead of relaxing.Active Body, Active Mind”If you’re lying on the beach, you still have time to think about all your problems back home,” Freeman said. “But if you’re engaged in some kind of physical activity, your mind is active. You’re concentrating on what you’re doing, and you can’t think about what your have to do when you get home.”Regardless of your age, fitness level or interests, Freeman said, an active trip is out there for you. Here are a few suggestions.WalkingA short tour of trails at state and national parks could make for a great weekend getaway. All you need is good pair of walking shoes and you’re ready to go. For information on state parks go to www.gastateparks.org. For national parks, see www.nps.gov.All-inclusive walking tours, too, offer the chance to walk around some of the world’s greatest landmarks and attractions. Check out walking.about.com/cs/toursamericas or www.wonderwalks.com (877-897-7175) for a guided walk or hike.BikingIf you’re a biker, all-inclusive biking tours are available, or you could plan your own adventure. Head to the mountains or look into the 11,658 miles of abandoned railroad track that have been converted into public trails for both walking and biking. Go to www.railtrails.org (202-331-9696) or www.traillink.com to find out more.HikingIf you’re just starting out, check out a local hiking club. They offer group trips for folks at different fitness levels and the expertise to keep you safe. To find some great trails to hike in Georgia, see www.georgiagetaway.com or www.gatrails.com.Adult CampsWho says camps are just for kids? If you want toimprove your tennis or golf game or learn more about backpacking, go to www.grownupcamps.com. You could even send the kids to one camp, while you and your spouse go to another.Water sportsCanoeing, rafting, snorkeling and sea kayaking offer challenging workouts and the chance to catch some scenery you can’t see from your car. Go to www.backroads.com (800-462-2848) for information on water sports or any of the other vacations listed here.These vacations are designed for people at different fitness levels. Still, you’re going to have a much better time if you don’t injure yourself. So, do some conditioning. If you’re going biking, get your bike out a few weeks before you leave and do some training.The same goes for hiking and walking. Do plenty of walking to get yourself in shape. Remember to wear-in your new boots or shoes before you leave.last_img read more

Congress can solve the cannabis banking conundrum now

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr With the number of states legalizing cannabis in some form continuing to grow, it’s understandable that Americans with differing views would want to debate whether it’s time to reform the nation’s marijuana laws. As representatives of the credit union and banking industries, we aren’t focused on the legalization debate. Instead, we are trying to solve a pressing practical concern caused by the ongoing conflict between state and federal cannabis laws — what to do with the money.Right now, in the 33 states, territories and the District of Columbia where cannabis has been legalized, credit unions and banks are prevented from providing financial services to cannabis-related businesses because cannabis is illegal under federal law and, as a result, handling proceeds from a transaction involving it is considered money laundering. Not only does this leave cannabis businesses operating almost entirely in cash, but it has the added effect of criminalizing the vendors, suppliers and utility companies that serve those businesses.For the cannabis business owner, this results in a lot of cash being stored in backroom safes, transported in backpacks and used for payroll every Friday. The presence of so much cash paints a large target on their storefronts and employees for would-be thieves. In fact, a 2015 study conducted by Wharton found one in every two cannabis dispensaries were robbed or burglarized — with the average thief walking away with anywhere from $20,000 to $50,000. continue reading »last_img read more

Proposed GSE refinance fee should be withdrawn

first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr CUNA continued its strong opposition to a recently announced Fannie Mae and Freddie Mac fee increase for certain purchased refinanced mortgages. CUNA President/CEO Jim Nussle wrote to Federal Housing Finance Agency (FHFA) Director Mark Calabria Friday, a day after CUNA joined a broad a coalition of organizations representing housing, financial services industries as well as public interest groups to issue a statement calling for the fee, scheduled to begin Sept. 1, to be withdrawn.“This late night, peremptory proclamation by the GSEs threatens to undercut the mortgage market for borrowers who are benefitting from refinancing in an environment of historically low interest rates,” Nussle wrote. “Given the serious challenges faced by American families due to the economic impacts of COVID-19 emergency, we are unable to understand why the GSEs would be encouraged or allowed to undermine the mortgage refinancing market, one of the few bright spots in our economy at the moment…Not only will this decision raise costs for credit union members and other borrowers, it may ultimately price some of our most vulnerable potential homeowners out of the market.”Nussle noted that the credit union mission to meet the credit and savings needs of consumers, especially persons of modest means, has “never been more critical than now,” and that the substance and timing of the fee “makes these challenges more difficult to overcome.”last_img read more