ERM helps credit unions mitigate those risks to provide reasonable assurance to the board of directors and management related to achieving their strategic objectives.ERM programs help executive management make better decisions on how risk should be managed and builds confidence with your board and auditors. Having an enhanced risk identification strategy allows your credit union to implement preemptive and proactive practices. Most people in the credit union community likely have a basic understanding of Enterprise Risk Management (ERM). But why is it important to the success of your credit union? And more importantly, how do you get started?Top three things to know about Enterprise Risk Management:ERM helps credit unions develop strategies to identify the risks and opportunities impacting their strategic objectives.ERM enhances risk response decisions and reduces operational losses by identifying potential risks ahead of time. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »
2 The Mainbrace, Tweed Heads. 2 The Mainbrace, Tweed Heads. 2 The Mainbrace, Tweed Heads.“The floor layout was so different to everything else I had seen and it just complimented the water,” she said. “It was something I could work with.” Initial installations included a new kitchen and bathrooms, flooring, ceilings, windows and lush gardens.“I’ve added the deck overlooking the water and out the front, with the flat-roof garage, I’ve extended it and put a carport next to it,” Ms McClintock said. “I’ve absolutely loved doing the renovations. “My son Scott is a carpenter so he has done a lot of the work.” 2 The Mainbrace, Tweed Heads.Harcourts BMG agent Michelle Topper described the house has having it all.“The home is positioned in the elite The Mainbrace, Tweed Heads with quality waterfront homes surrounding this quiet cul-de-sac,” she said. “It has river and ocean access to enjoy everything that the waterfront lifestyle beholds. “Enjoy a flat walk to the bustling Kirra, cafes, restaurants and shopping precinct and get among all that Kirra and Coolangatta has to offer or just enjoy the peace and tranquillity of the river lifestyle.” The 989sq m property is on the market at $1.385 million. 2 The Mainbrace, Tweed HeadsFROM rundown brick house to stunning coastal haven, this is a renovation of epic proportions.When vendor Alison McClintock found the waterfront property seven years ago, she knew she could turn it into something special. 2 The Mainbrace, Tweed Heads. More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach North1 hour ago02:37International architect Desmond Brooks selling luxury beach villa21 hours ago2 The Mainbrace, Tweed Heads.The end result is an inviting coastal oasis. As soon as you step inside, a sense of relaxation sweeps over you. The house oozes character and charm with neutral tones, travertine tiles and louvre windows. The kitchen features soft-toned cabinetry, plenty of cupboard space, Caesarstone bench tops and pendant lights, and flows through to the dining and living areas. This area moves seamlessly out to the covered alfresco area and timber deck.“I love sitting out on the deck in the morning,” the mother of four said. “It’s so still.”The house features four bedrooms including the main which is segregated from the rest.It incorporates an ensuite, walk in robe and sliding doors that open out to the gardens. 2 The Mainbrace, Tweed Heads.There is parking for four cars with a remote tandem garage and tandem carport that can fit a caravan.Ms McClintock said she was selling as her children had left the nest. “It really has been such a joy to live there, I don’t really want to go,” she said.
Ulster captain Johann Muller hailed Ruan Pienaar after the South African’s efforts clinched his side a famous victory at Leicester Tigers and a home tie in the Heineken Cup quarter-finals. His winning penalty, in the 69th minute, was from a metre inside his own half, his second monster kick of the game. Muller said: “It seems like it’s happening every week, when he scores all the points. “I came here with him yesterday to do kicking practice and he did not miss one all day. He was outstanding and kicked them from 60, 62 metres. From a captain’s point of view it gives you a lot of confidence. “A huge amount of credit to him and it doesn’t just happen. He puts a huge amount of work in, he puts hours and hours into his kicking and it’s wonderful when it pays off.” Ulster’s win means they top Pool Five with six wins out of six and in April will have a chance to avenge last season’s quarter-final defeat at Saracens. This time, however, they will have home advantage, and Muller said: “We came here to get a home quarter-final. “Sarries totally outplayed us last season. They are a great side and don’t mind going away to get a result. “It’s two months away and at this stage we will just enjoy the moment. We have not achieved anything yet and there’s a huge amount of work left if we are to achieve something.” Scrum-half Pienaar scored all of Ulster’s points in the 22-19 win over the Tigers at Welford Road and the 1999 champions will now play Saracens in the last eight at Ravenhill in April. Piennaar not only kicked five penalties and a conversion but also scored the crucial try after charging down a clearance from Leicester fly-half Toby Flood in the 58th minute to level the scores at 19-19. Leicester led 19-9 after a 49th-minute try by winger Niall Morris had put them in the driving seat. But Flood, who converted the try and kicked four penalties out of five, cost Leicester dear when his clearance was charged down by Pienaar nine minutes later. Richard Cockerill, Tigers’ director of rugby, said: “We’re disappointed with the result, but it was a good game. “It was very tight margins and we dropped the wrong side of those margins. Ten points up, we needed to control the game better but we did not manage the back field as well as we would have liked and they exposed us. “To lose to a charge-down kick is disappointing but you make your own luck. “I am not going to criticise us. The luck of the draw fell their way tonight and that happens in sport. It wasn’t for a lack of effort. We played some good stuff and you just have to take it on the chin.” Leicester, who suffered their first home defeat in the competition since 2006-2007, face a quarter-final away to a French team, either Toulon or Clermont Auvergne, and should have their England and British Lions pair Manu Tuilagi and Geoff Parling back by then. “At the moment it’s probably Toulon, tomorrow it may be Clermont who have an average home record, what is it, 73 games unbeaten,” said Cockerill. “We are in the quarter-finals and we have suffered a lot of adversity (through injuries), so that’s not a bad effort from us.” Press Association
The story: After finding itself in an unfamiliar deficit heading into the fourth quarter, USC charged back against Ohio State in an emotional 18-15 win that came down to the final seconds.Down 15-10 and 86 yards from the goal line, the Matt Barkley-led Trojan offense completed a 14-play drive, culminating in a two-yard Stafon Johnson touchdown run in the final minutes of the fourth quarter.Ear-splitter · The 106,033 fans in attendance at Ohio Stadium (a new Ohio State record) reportedly made Matt Barkley’s ears ring. – Leah Thompson | Daily TrojanBarkley, a true freshman, kept his composure on the decisive drive, completing three of five passes for 55 yards. Some of his best plays came when he got the ball into junior running back Joe McKnight’s hands. McKnight rushed for 30 yards on five carries during the drive and also caught a 21-yard pass.Once near the goal line, Johnson relieved McKnight, taking a handoff and sprinting to the right corner of the endzone, where he high-stepped in untouched for the go-ahead score. USC converted the two-point conversion on a Barkley pass to McKnight to take the lead for good.The game-winning drive provided the Trojans’ only points of the second half.Ohio State dominated the field position battle, beginning three second-half drives in USC territory. The Trojan defense kept USC in the game, stymying the Buckeyes and allowing them only three second-half points.Play that changed the game: Barkley’s 21-yard pass to McKnight.Barkley’s pass came on the third play of its game-winning drive. Barkley was sacked on the first play and a false start penalty took the Trojans back. After a McKnight run, the Trojans were faced with a 3rd down and eight from their own 16-yard line and appeared to be in trouble.Barkley dropped back to pass and found an open McKnight a few yards past the line of scrimmage. McKnight beat an Ohio State linebacker to the inside on an option route and sprinted up the field after he caught Barkley’s pass.The pass gave USC’s offense much-needed breathing room as well as game-altering momentum. Everything seemed to start clicking as the Trojans put together their longest scoring drive of the game by far.Most valuable player: Matt Barkley.Although the youngster’s numbers weren’t amazing — 15 of 31, 195 yards, one interception and no touchdowns — the poise with which he carried himself on USC’s final drive could not be captured in the stat sheet.The roaring Ohio State crowd didn’t seem to faze him. Neither did the interception he threw in the first half to the Buckeyes’ Ross Homan. His teammates said his demeanor remained the same throughout the entire game.“Matt was the same person the whole game,” McKnight said. “[He] never lost his composure, [he] just kept coming in the huddle and calling plays.”Coach Pete Carroll was impressed as usual with his 19-year-old sensation.“It’s just remarkable that he can show all that so early,” Carroll said. “But he showed also that he can take you and win in the fourth quarter, which is huge.”Stat of the game: 106,033.The number of fans on hand at “The Horseshoe,” a new attendance record for Ohio Stadium. The jam-packed crowd hardly sat down the entire night and was at its loudest when the game was on the line.“It was 100 guys versus everyone in the world it seemed like,” Carroll said.But the Trojans remained unfazed despite the noise.“It was pretty loud, not gonna lie,” Barkley said. “I think my ears are still ringing a little bit. But I mean we played through it. The actual noise didn’t affect how we were going to play.”Quote of the game: “The questions that everybody has been asking about Matt [are] legitimate… All we can tell you is the guy’s really special. He’s into it, he’s having fun, he’s not arrogant, he’s not cocky — he’s just a complete ball player.”— Carroll about Barkley’s ability to handle big-game situations.On track into the Pac: After surviving their biggest non-conference test of the season, the Trojans are in prime shape entering their Pac-10 schedule, which starts next week at Washington.But seeing as their only loss in 2008 came against conference opponent Oregon State — the game following the Ohio State matchup — Carroll said he already warned his team to not get caught up in the celebration and overlook the Huskies.“I already addressed it,” Carroll said. “This game can’t carry into the next week. This game’s over. I told them, ‘It’s already on ESPN, they already showed the highlights to everybody, so that’ll be over by the time we get home.’”