Abby Davis named class of 2016 valedictorian

first_imgAbby Davis — the class of 2016 valedictorian — said during her time at Notre Dame, she has learned how to “maintain a balance” between the different aspects of her life.“Personally, I think that’s been the biggest challenge of college — just finding balance,” Davis said. “I think that’s something that took me until this year to figure out.”Davis, a native of Avon Lake, Ohio, earned a 3.99 cumulative grade point average (GPA) in her four years at Notre Dame and will graduate with a degree in political science and minors in philosophy, politics and economics (PPE) and Russian. She was also a member of the Glynn Family Honors Program and a Hesburgh-Yusko Scholar.The University’s selection committee invites students with GPAs above a certain cutoff to submit a valedictory address and an invocation, Davis said. From there, the committee selects students to deliver the speech in DeBartolo Performing Arts Center, where it is recorded, and submit a resume and letter of recommendation.Davis said she was shocked and excited when she found out she had been named this year’s valedictorian.“Honestly, there were a few moments where I wasn’t really breathing. It seemed very unreal,” she said. “I’m not sure it’s completely sunk in yet, but after the moment of initial not breathing, I just felt excitement and gratitude.”Davis said one of the most defining parts of her time at Notre Dame was the opportunity to form relationships with professors.“One of the things I’ve loved most about studying at Notre Dame and in small classes is just the ability to regularly go to professors’ office hours and get to know them, get to talk about things outside of class,” she said. “I feel like professors have really helped me get the most out of Notre Dame.”One class in particular, Davis said, helped change the trajectory of her academic career.“I took sophomore year, kind of on a whim, a class called ‘Post-Soviet Russian [Cinema]’ for my fine arts requirement,” she said. “I knew nothing about film, not so much about post-Soviet Russia, even less about post-Soviet Russian film.”Davis spent the summer of 2014 studying abroad in Latvia and the fall semester of the same year in Chile. Then, in the summer of 2015, she took courses and conducted research in Russia.“I just got really into it. The politics, the history — all of it was so interesting to me,” she said. “That’s actually what got me into Russian in the first place, that spur-of-the-moment decision.”The day after graduation, Davis will return to Russia as a student aid on a University-sponsored trip before moving to Washington D.C. to start her job at Avascent, a consulting firm for companies in government-driven industries.Outside the classroom, Davis served as co-chair of the University’s Code of Honor Committee and has been involved in various music ensembles and in community service at the South Bend Center for the Homeless. She was a resident of Ryan Hall.“I think joining musical ensembles helped me because it’s very much a team effort, coming together to work on something as one. It’s a huge stress reliever and, for me, helps create that balance,” she said.Davis said as a freshman, she could not have imagined being where she is today — she entered the University as a chemistry major.“I’m just thinking about how grateful I am for the whole Notre Dame experience and everyone I’ve met here — all the amazing friends, all the professors who have been such important mentors to me,” she said.Ultimately, Davis said, it seems “unreal” that she will be a Notre Dame graduate in a few days time.“I’ve met some of the most incredible people I’ve ever known here at Notre Dame, who are also incredibly hard-working, incredibly supportive — just incredibly wonderful people,” she said.“I’m making lists of people I need to stop by and say goodbye to. And you know when you have a lot of really hard goodbyes to say that you’ve had something really special.”Tags: Abby Davis, Commencement 2016, valedictorian, valedictory addresslast_img read more

Could small loans equal big opportunity for credit unions?

first_img 18SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Miriam De Dios Woodward Miriam De Dios Woodward is the CEO of PolicyWorks, LLC. She also serves as Senior Vice President of AMC, the holding company of the Iowa Credit Union League and parent … Web: https://www.policyworksllc.com Details A new set of proposed rules from the CFPB may put payday lenders out of business. For credit unions, particularly those working to build relationships with consumers who use non-traditional financial services, this could be an exciting door opener.An important segment of the population relies on small-dollar loans for emergencies, making the exit of these businesses from the marketplace somewhat precarious. A sizable portion of the fast-growing and influential Hispanic segment, for instance, turns to payday loans even for non-emergencies.If those lenders disappear, can credit unions fill the void? Should they?If approved, the rules will require lenders to measure a borrower’s ability to pay back the loan, a competency for most credit unions. Payday-loan operations, on the other hand, would need to establish entirely new policies and procedures for compliance with such a rule. This could prove too burdensome for the mom-and-pop (and even some of the national and regional) payday loan businesses.According to Cindy Williams, vice president of regulatory compliance for PolicyWorks, there may be other unintended consequences should the CFPB adopt its proposed rules.“Ability-to-repay requirements will likely extend the amount of time it will take to get money into the hands of borrowers,” said Williams. “This could have a sizable impact on individuals with urgent funding needs.” In addition, Williams says, the CFPB’s proposed requirements could also exclude some borrowers altogether, leaving these individuals without an option for credit.When asked if credit unions should attempt to become that option, Williams advised credit union lenders to investigate the opportunity thoroughly, thinking through the sustainability of such a strategy. “The new, additional requirements of the CFPB’s proposal could make small-dollar or payday loans less attractive even to traditional financial institutions simply because the margins on small-dollar loans are already so low.”Although many credit unions are competent, compliant lenders accustomed to adapting to new regulatory standards, management must first determine if the returns of a payday lending alternative are worth the investment.What are the potential returns? For starters, a payday loan alternative or small-dollar loan has the potential to introduce the credit union to an entirely new segment of consumers looking for financial help. This meets two core objectives for credit unions: it fulfills the “people helping people” mission and provides fair, dignified services to more members of the Hispanic community and beyond.When thinking through potential products, brainstorm beyond payday loans. Introducing different small-dollar loans, such as credit builder products, may provide better margins for the credit union. These types of loans can also help individuals escape the payday lending cycle that has caught the attention of regulators and other consumer protection groups. Importantly, they have the potential to get people started on a path to a long-term financial relationship with a responsible partner.Because credit unions value relationships over transactions, borrowers who transition from a payday lender to a cooperative have a real chance to reduce their dependence on emergency funds. With an intentional strategy to migrate emergency-loan borrowers into life-long savers, credit union staff can have a significant impact on the lives of more neighbors.If part of your growth plan includes developing more long-term financial relationships with those individuals who need them the most, do as PolicyWorks’ Williams suggests. Sit down with your teams today and evaluate the potential for payday alternatives. The time to act is now. A sizable gap in the availability of credit is coming. If there’s anything we’ve learned in the last few years, it’s that startups and fintech innovators are masters at filling gaps.last_img read more

Near notches IMCA Modified win at Tri-City

first_imgTimmy Near topped the Friday feature for IMCA Modifieds at Tri-City Motor Speedway. (Photo by Amanda Kulek)By Roger WilliamsAUBURN, Mich. (Aug. 25) – Timmy Near was the IMCA Modified winner on night two of the Battle By the Bay at Tri-City Motor Speedway.The feature field was led to the green flag by 2017 track champion Kody Johnson, who led a majority of the first half of the 20-lap main before Near took control by making the pass in the high groove.Once out front, he pulled away and beat a hard-charging Toby Steele and Gavin Hunyady to the finish. Myron DeYoung and Chaz Pray rounded out the top five.last_img read more

Verwey, Persaud among shining stars on Squash opening night

first_imgA FEW big guns fired on Wednesday evening as the 2019 Ansa McAL Trading Ltd-sponsored Handicap Squash Tournament spiked off at the Georgetown Club courts. Play commenced with three preliminary matches in the Open category and first-round matches in Category A with players bringing their A-game from the word go.In Category A, Matthew Spooner (0) had to keep full concentration to come out victorious against Angel Rahim (0) after winning a close first game 15-14. He dropped the second game 11-15 but rebounded to win the third game 15-10.Kaden Pyneandy (0) also won in three games in his match-up against Bradley Walton (2). Kaden won the first game 15-13 but lost the second game rather easily 7-15. He recovered to win the third game 15-12, to further add sauce to Category A.In another close Category A match, Lucas Persaud (0) beat Brenno Da Silva (2) 15-5, 14-15, 15-12. In the Open Category, Nicholas Verwey (-6) eventually prevailed in his match against Ian Mekdeci (0). Nicholas easily won the first game 15-8, but then dropped the second game 13-15. Verwey’s class was too much as he proved to be a handful, comfortably winning the third game 15-4.Matches all week start at 18:00hrs with the semifinals set for tomorrow at 15:00hrs and the finals on Sunday beginning at 11:00hrs.Full results of all the matches played last evening were as follows.Category AZachary Persaud (-8) defeated Rylee Rodrigues (12) 15-14, 15-13.Louis Da Silva (-8) beat Lajuan Munroe (5) 15- 8, 15-10.Dhiren Persaud (0) thrashed Teija Edwards (0) 15-3, 15-5.Shiloh Asregado (0) beat Joshua Verwey (0) 15-13, 15-10.Kaden Pyneandy (0) beat Bradley Walton (2) 15-13, 7-15, 15-12.Lucas Persaud (0) beat Brenno Da Silva (2) 15-5, 14-15, 15-12.Matthew Spooner (0) defeated Angel Rahim (0) 15-14, 11-15, 15-10.Open categoryNicholas Verwey (-6) defeated Ian Mekdeci (0) 15-8, 13-15, 15-4.Jonathan Antczak (-4) beat Wayne Alphonso (8) 15-14, 15-10.Jonathan De Groot (0) beat Tian Edwards (7) 15-9, 15-9.last_img read more