Urgent Information for Mobile Home Park Survivors of the Camp Fire and Woolsey Fires

GSMOL Disaster Relief Fund: Apply or Donate

Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it’s the only thing that ever has.”

— Margaret Mead


With 33 mobile home parks in the Paradise area burned down, there are hundreds of displaced survivors. The Woolsey fire also left many mobile home owners homeless. The Golden State Manufactured Home Owners League (GSMOL) has determined that it is important these survivors know:

• They are entitled to reimbursement of their space rent for the month of November (minus the first 8 days) from their park owners.

• FEMA can provide funds to help buy another mobile home owners MUST REGISTER with FEMA by calling 800-621-3362

• FEMA will provide funds for essential household furnishings lost in the fire

• FEMA will provide emergency shelter at hotels registered on their list for up to 14 days, and in extraordinary situations, up to 18 months

• If park owners decide to convert the park, they must provide survivors with compensation to assist in relocation.

• GSMOL members may apply for up to $200 from the Disaster Relief Fund (contact me for guidelines and an application or, MAKE A DONATION to the fund at https://www.gsmol.org/supporting-gsmol/ )

GSMOL encourages all those living in mobile home parks to prepare their parks for an emergency by ensuring the following:

• The park owner has an emergency exit plan for their park on file with the California Department of Housing and Community Services (HCD) and that is posted in common areas for all residents to see (mandated by Health & Safety regulation)

• Make sure that all emergency exits are unobstructed at all times

• Develop an emergency action plan for your park (GSMOL can provide guidelines for an effective plan)

• Make sure all residents are aware of the plan

• Submit a list of disabled residents that may need assistance in the event of an emergency to your local fire authority

• Maintain a fire-proof container that includes all important documents that can be carried out (moved) during an emergency

Michelle Smith, President,
Golden State Manufactured Home Owners League, Inc.
msmith@gsmol.org www.gsmol.org

Michelle Smith
Golden State Manufactured-Home Owners League, Inc.
+1 530-957-3567
email us here
Visit us on social media:

Source: EIN Presswire

N.C.B. Employees Co-operative Credit Union Ltd. Opts for Smart Solution’s Universa Premier Digital Core Banking Suite

Smart Solution’s flexible, feature-rich and cost-effective state-of-the-art suite of products enables and fully supports evolving member service strategies

AURORA, ONTARIO, CANADA, December 5, 2018 /EINPresswire.com/ — Smart Solution is very pleased to announce that N.C.B. Employees Co-operative Credit Union Ltd. (NCBECCU) has signed a binding agreement to convert to Smart Solution’s Universa Premier Digital Core Banking Suite. The Universa software is an innovative, browser-based digital banking platform that encompasses the latest technological advances and security. As a leading fintech provider of banking and financial management solutions, Smart Solution is well positioned to offer its innovative products to financial institutions internationally. With this agreement, NCBECCU will migrate from an existing legacy platform to join Smart Solution’s rapidly growing Universa client base in Jamaica. NCBECCU’s addition to Smart Solution’s growing list of Universa clients, continues to enhance and solidify the reputation of Universa as one of the most prominent contenders in leading-edge digital banking platforms in North America, Central America and the Caribbean.

Universa’s agile, rapid release development process enables Smart Solution to quickly translate client business needs or new ideas into customizable system functionalities. Access to Universa’s highly configurable functionalities is under the client’s full control by means of Universa’s security framework. The possibilities for customization are endless and new additions are seamless.

“As we consider ourselves not only member-focused and socially responsive but also technology-driven, N.C.B. Employees Co-operative Credit Union is very much looking forward to partnering with Smart Solution, in order to strengthen and modernize our infrastructure as well as to enhance the technological aspects of the various services we offer to our members. We believe that this migration to a new platform will benefit our existing as well as any new members, who are interested in the “fintech edge” to bolster their financial strategies”, noted N.C.B. Employees Co-operative CU’s General Manager, Mrs. Joan Garfield. “We remain critically focused on our mission ‘To build wealth for our members!’”, added Mrs. Garfield.

“We are delighted that NCBECCU has chosen to convert to our growing family of financial institutions using the Universa platform to support its member service strategies,” stated Iean Tait, President and CEO of Smart Solution. “This is a major transition for NCBECCU as it migrates away from a legacy platform to a cutting-edge modern digital platform. We are confident that the Universa platform will enhance NCBECCU’s ability to deliver on its mandate. As technological excellence is the backbone of any institution, having selected Universa is a testimony to its scalable architecture, flexibility and rich functionality,” added Iean Tait. “Many institutions are looking for ways to keep up with new and emerging market technologies; the switch to Universa will provide them with the needed tools to meet those challenges and embrace the future.”

About N.C.B. Employees Co-operative Credit Union Ltd. (NCBECCU)

Back in April of 1992, a couple of employees of the National Commercial Bank launched the idea of starting a Credit Union for the bank’s employees. Once approved by the Bank, the concept was expanded to include the employees of all banks and later also the employees of legitimate and registered non-banking financial institution. And so, the N.C.B. Employees Co-operative Credit Union Limited became a reality with a starting Share Capital of JMD $398M and some 550 Members. Today, NCBECCU proudly manages assets in excess of JMD $1.7 Billion.

About Smart Solution

Established in 1985, Smart Solution is a Canadian corporation that provides core banking systems and financial management solutions to a growing list of progressive financial institutions. Its diverse clientele includes some of the top banks, credit unions and other financial institutions in Canada, Central America and the Caribbean. As an established leader in delivering and integrating the most innovative financial services technologies, Smart Solution provides cutting-edge, customer-focused products that meet the specific needs of the financial industry. The company’s Universa enterprise digital banking system incorporates the industry’s best practices with the latest technologies to give clients a state-of-the art solution that is feature-rich, scalable, and secure. We pride ourselves on our attention to detail and on our team of qualified experts focused on providing exceptional service and support.

For more information:

Iean Tait, CEO
Smart Solution
+1 905-727-2565
email us here

Source: EIN Presswire

Modern Textiles Joins Evans Garment Restoration

Franchisee Nick Ramirez

Modern Textiles has announced that it has joined a growing family of premium restorers of textiles affected by floods, fires, and other disasters.

LOS ANGELES, CA, UNITED STATES, December 4, 2018 /EINPresswire.com/ — Modern Textiles has announced that it has joined a growing family of premium restorers of textiles affected by floods, fires, and other disasters. The Franchise, led by industry leader Evans Garment Restoration, provides premium restoration services for clothes, drapes, furs, linens, leather and suede, rugs, and specialty textiles that have been exposed to water and smoke.

The high-tech but gentle process can only be completed in specialty restoration plants by specially trained staff using Evans quality management system. Evans Garment Restoration is one of a few in the entire United States with the demonstrated ability to deliver by using Artificial Intelligence, data, and the most innovative patented processes. The company will provide service to Southern California and Las Vegas using the franchise tag Evans Garment Restoration of Southern California.

“Modern Textiles brings to the Evans Garment Restoration family their unique knowledge with servicing primarily “High net worth” customers. With Modern Textiles experience with providing premier service, combined with Evans patented processes for restoring textiles, Insurance companies will have a turn-Key solution for their customers in Southern California” said Joel Lyons, President of Evans Garment Restoration. “California with its density and demographic needs premier textile operators and now Evans Garment Restoration of Southern California is one of the most high-performance cleaners in the region. ”

Joel Lyons
Evans Garment Restoration
email us here
+1 8669338267
Visit us on social media:

Source: EIN Presswire

Researchers Find Further Link Between Atrial Fibrillation, Brain Injury, and Possible Neurodegeneration

New study finds that patients with atrial fibrillation also show signs of asymptomatic brain injury.

It becomes critical to identify the early markers of this injury and help these patients who are at higher risk of having subsequent neurodegenerative problems, such as cognitive decline and dementia.”

— Oxana Galenko, PhD, Intermountain Medical Center Heart Institute

SALT LAKE CITY , UT, USA , December 4, 2018 /EINPresswire.com/ — A new study presented at the American Heart Association Scientific Session conference has found that patients with atrial fibrillation also show signs of asymptomatic brain injury.

Researchers from the Intermountain Medical Center Heart Institute in Salt Lake City enrolled 246 patients in the study: 198 with atrial fibrillation and 48 without AF. They then obtained plasma samples from Intermountain Healthcare’s Intermountain Heart Collaborative INSPIRE registry and tested them for the circulating levels of four biomarkers associated with brain injury: glial specific GFAP and S100b; GDF15, a stress response marker; and neuron-specific au-protein.

They found that levels of three of those biomarkers – Tau, GDF15, and GFAP – were significantly higher in patients with atrial fibrillation. Findings from the study were presented at the American Heart Association Scientific Session conference in Chicago in November.

“We think patients with atrial fibrillation experience chronic, subclinical cerebral injuries,” said Oxana Galenko, PhD, a molecular biologist at the Intermountain Medical Center Heart Institute, and the study’s lead investigator. “It becomes absolutely critical to identify the early markers of this injury and help these patients who are at higher risk of having subsequent neurodegenerative problems, such as cognitive decline and dementia.”

Atrial fibrillation is an irregular and sometimes rapid heartbeat that can lead to blood clots, stroke, heart failure, and other heart-related problems. Between 2.7 and 6.1 million Americans suffer from the condition, according to the Centers for Disease Control. It causes 750,000 hospitalizations and 130,000 deaths each year.

If people with atrial fibrillation are indeed suffering from ongoing brain injuries, they can also be at higher risk of developing everything from depression to neurodegeneration, which is the deterioration or death of the body’s nerve cells, especially neurons in the brain, which could cause losses in mental function, said Dr. Galenko.

Dr. Galenko said that could be because atrial fibrillation alters blood flow through the body, including to and from the brain, which could lead to cerebral injury and disruption of the blood-brain barrier, which filters blood to and from the brain and spinal cord. If it’s not working correctly, neuro-specific molecules like GFAP and Tau get into the bloodstream, which was seen in this study.

Dr. Galenko said the next step is to do the same kind of analysis on a larger group of patients. She also said recent results from the Swiss Atrial Fibrillation Cohort Study points in the same direction — that atrial fibrillation causes brain injury. In that study, researchers performed MRIs on atrial fibrillation patients and found that 41 percent showed signs of at least one kind of a silent brain damage.

She believes a blood test would be the way to move forward if a method was developed to see which atrial fibrillation patients are also experiencing brain injury, for the simple reason that it’s a lot cheaper and easier to do than an MRI.

“At this stage, we’re at the very beginning of studying this link, but it’s a step forward toward addressing the problem,” she said.

Jess Gomez
Intermountain Healthcare
+1 801-718-8495
email us here

Source: EIN Presswire

NCADA Announces New Partnership With Team Assure

WILMINGTON, NC, UNITED STATES, December 1, 2018 /EINPresswire.com/ — The North Carolina Athletic Directors Association (NCADA) is pleased to announce that is has secured Team Assure, Inc. as the Association’s newest sponsor.

North Carolina licensed, Team Assure, is one of the country’s leading full-service insurance companies, specializing in zero-deductible student-athlete insurance. In 2018-2019, Team Assure will be recognized by the NCADA in various high-profile capacities.

“We are excited about this opportunity to provide a quality program and insurance products that will ensure the safety and care of our student-athletes as they participate in education-based interscholastic athletics,” stated NCADA Executive Director, Roy Turner.

The NCADA partnership program includes opportunities to meet, and network, with member schools in the state’s eight athletic regions. This provides Team Assure with exclusive access to the athletic directors, coaches, parents and student-athletes throughout the year.

“Team Assure is thrilled to support and partner with the North Carolina Athletic Directors Association (NCADA) in their commitment to preserving, enhancing, and promoting education- based athletics,” said Dax Anderson, President. “Through the personal and professional development of interscholastic athletic administrators, NCADA provides athletic directors the tools they need to guide programs in developing student athletes for ultimate success. We look forward to the upcoming school year and are excited to grow this partnership with its board and members.”

The terms of this partnership were negotiated by Scholastic Sports Marketing.

About Team Assure:

Over the past 35 years, Team Assure has evolved to be one of the leading full-service insurance companies, specializing in zero-deductible student athlete insurance. Our mission is clear: to deliver quality programs and insurance products to our clients with a high level of service, responding to the challenges of the client’s needs and budget. And to work towards earning lasting relationships built on a foundation of honesty, integrity, and trust. Team Assure is online at www.teamassure.net.

About North Carolina Athletic Director Association (NCADA):

The North Carolina Athletic Directors Association (NCADA) is committed to being a national leader in preserving, enhancing, and promoting education-based athletics through the personal and professional development of interscholastic athletic administrators.
The NCADA is committed to being a professional member-driven organization providing quality leadership, mentorship, resources, and services for all North Carolina administrators. Seven organizations; NCADA, NIAAA, NFHS, NCHSAA, NCISAA NCADA, NCAAHPERD-SM with one goal: to promote positive relationships and enhance leadership skills and opportunities for all stakeholders.

Ashley Osiecki
National Amateur Sports
+1 704-341-4645
email us here
Visit us on social media:

Source: EIN Presswire

SMSF Specialist, RA Veitch & Co are releasing a new SMSF service in Rose Park SA

RA Veitch logo

SMSF Specialist SA

SMSF Specialist SA

SMSF Specialist Accountants RA Veitch & Co is celebrating the launch of their new SMSF service in Rose Park SA by doing a free SMSF review service.

With an agreed ongoing service standard, we ensure we work together as a team with our clients toward achieving the goals they set”

— Robert Veitch

ROSE PARK, SOUTH AUSTRALIA, AUSTRALIA, November 29, 2018 /EINPresswire.com/ — SMSF Specialist Accountants, RA Veitch & Co are releasing their SMSF services to businesses in Rose Park SA. The business will celebrate the launch by doing a free SMSF review for Rose Park business owners.

Established in the late 80’s, R A Veitch & Co has grown to become one of South Australia's leading Administrators & Tax Planners for Self-Managed Superannuation funds (SMSF).

Where some accountants can no longer advise on Self Managed Super Funds (SMSF), RA Veitch Accountants decided to be a little different by establishing the company SMSF Specialists SA Pty Ltd. It was set up as the financial planning arm of R A Veitch & Co Pty Ltd as they saw the need to assist their Accounting Clients with a broad range of personal financial planning solutions and accounting advice.

Robert Veitch, Managing Partner at RA Veitch Accountants, says: "Approaching a financial adviser can seem daunting at first, however we ensure our clients have a positive experience. By exploring our client’s current situation and assisting them in discovering what is really important to them, we will help to articulate their short, medium and long term goals that become the foundation of our advice".

"With an agreed ongoing service standard, we ensure we work together as a team with our clients toward achieving the goals they set".

Robert is passionate about helping clients achieve their financials goals so they can have a secure and prosperous future. He has a passion for Self Managed Superannuation Funds, and has been accredited by the SMSF Association of Australia as an SMSF Specialist Advisor.

Robert believes in maintaining the highest standards of honesty and integrity with his clients. RA Veitch Accountants has always made a point of standing out when compared to other Accountants in the Rose Park SA area. This launch celebration is just one of the many ways it does so.

When asked about the new SMSF service in Rose Park, Robert Veitch said: "Our new offering will be a success because it's hard to find accountants that are also SMSF Specialist, we are a firm designed to give our clients a personal, one on one service. Our highly qualified team will be there to help with your every financial need. ".

Further information about RA Veitch Accountants and the new SMSF service in Rose Park can be discovered at http://raveitch.com.au/.

Robert Veitch
RA Veitch & Co
+61 883317999
email us here

SMSF Strategies

Source: EIN Presswire

Canadian Open Parkinson Network funding begins collaboration to accelerate Parkinson’s disease research and knowledge

TORONTO, ONTARIO, CANADA, November 27, 2018 /EINPresswire.com/ — Parkinson Canada together with Brain Canada are pleased to announce the creation of the Canadian Open Parkinson Network (C-OPN). The $2 million Platform Grant is intended to support the initial development and maintenance of a large-scale research network that is built on the foundation of the established and successful Quebec Parkinson Network (QPN), and involve multiple provinces, in the field of Parkinson’s disease and related disorders. Brain Canada receives financial support from Health Canada through the Canada Brain Research Fund.

“Brain Canada is pleased to be a partner with Parkinson Canada on the Canadian Open Parkinson Network. This program follows the establishment of the Canadian Open Neuroscience Platform, a national effort we initiated to link data across the country, and standardize how we collect, store and analyze this data. The Parkinson registry and database will create the first national platform to capture data from those living with Parkinson’s, and make the data accessible to a wider number of researchers. The goal is to accelerate our already excellent Parkinson’s research in Canada, resulting in better patient outcomes,” ‎ says Inez Jabalpurwala, President and CEO of Brain Canada.

Parkinson’s disease affects over 100,000 Canadians, a number expected to increase substantially in the coming years. Through the important work performed and shared by researchers, the C-OPN will build capacity and increase awareness among all levels of government, healthcare professionals, the research community, health charities and the general public.

Dr. Oury Monchi, PhD, has been appointed as Principal Investigator and Director of the C-OPN, which is a collaboration of the brightest minds in Parkinson’s research in Canada today. Dr. Monchi holds the Tourmaline Oil Chair in Parkinson’s disease, and is the Clinical Research Director at the Hotchkiss Brain Institute, Cumming School of Medicine at the University of Calgary, where he is also a professor in the Departments of Clinical Neurosciences and Radiology, Leader of the Movement Disorders Neuroteam and CaPRI, and Clinical Research Director at the Department of Clinical Neurosciences.

“The Canadian Open Parkinson Network is a major initiative that will keep Canada at the leading edge of Parkinson’s disease research. By building a strong, interconnected and collaborative network of researchers, physicians and people living with Parkinson’s, we can work strategically to accelerate advancements in Parkinson’s research and treatment,” states Dr. Monchi.

The Canadian Open Parkinson Network will include:
• a patient registry with comprehensive clinical information
• a database with information from diagnostics (imaging tests, MRI, PET scans), anatomical (neuroimaging, sleep, behavioural and neuropsychological information) and functional measurements
• a biobank with patient biomaterials such as blood samples and DNA for genetic studies.

“Establishing the Canadian Open Parkinson Network is a top strategic priority for Parkinson Canada and I am inspired to see it take shape. Since 1965, Parkinson Canada has stood alongside Canadians with Parkinson’s and the health professionals who treat them. We are at the forefront of dialogue with government and policy makers to be a clear voice for people with Parkinson’s,” says Joyce Gordon, CEO, Parkinson Canada. “With more than 25 people diagnosed each day, we are reminded why establishing the Canadian Open Parkinson Network is critical now. It brings hope for a cure, and accelerated treatments over the next ten years and beyond, and it involves the very people whom researchers are trying to help.”

About Brain Canada and the Canada Brain Research Fund
Brain Canada is a national registered charity that enables and supports excellent, innovative, paradigm-changing brain research in Canada. Since 1998, Brain Canada has made the case for the brain as a single, complex system with commonalities across the range of neurological disorders, mental illnesses and addictions, brain and spinal cord injuries. Looking at the brain as one system has underscored the need for increased collaboration across disciplines and institutions, and a smarter way to invest in brain research that is focused on outcomes that will benefit patients and families.

The Canada Brain Research Fund is a public-private partnership between the Government of Canada and Brain Canada, designed to encourage Canadians to increase their support of brain research, and maximize the impact and efficiency of those investments. Brain Canada has committed $115 million from private donors and non-federal partners—now numbering more than 100—which Health Canada has matched with $120 million. For more information, please visit www.braincanada.ca.

About Parkinson Canada
Parkinson Canada is the definitive voice of Canadians living with Parkinson’s disease. From diagnosis to discovery, Parkinson Canada provides education and services to support people with Parkinson’s, their families, and healthcare teams; online, by telephone and in person. Parkinson Canada advocates with federal, provincial and territorial governments on issues that matter to the Parkinson’s community in Canada.
The Parkinson Canada Research Program funds research to improve our understanding of Parkinson’s disease, related disorders, the impact these disorders have on society, and one day, to find a cure. Since 1981, Parkinson Canada has invested close to $29 million in 552 research projects across Canada. Parkinson Canada is an Imagine Canada accredited organization. Visit online at www.parkinson.ca

About the University of Calgary
The University of Calgary is a global intellectual hub located in Canada’s most enterprising city. In our spirited, high-quality learning environment, students thrive in programs made rich by research, hands-on experiences and entrepreneurial thinking. Our strategy drives us to be recognized as one of Canada’s top five research universities, engaging the communities we both serve and lead. This strategy is called Eyes High, inspired by the university’s Gaelic motto, which translates as “I will lift up my eyes.” For more information, visit ucalgary.ca/eyeshigh.
For more information, visit ucalgary.ca. Stay up to date with University of Calgary news headlines on Twitter @UCalgary.

Led by the Hotchkiss Brain Institute, Brain and Mental Health is one of six strategic research themes guiding the university towards its Eyes High goals.

Brain Canada Foundation
Theodora Samiotis
514-989-2989 ext. 110

Parkinson Canada
Anne Marie Gabriel, CAE
1-800-565-3000 ext. 3396
(416) 227-3396

Cumming School of Medicine, University of Calgary
Kelly Johnston

Anne Marie Gabriel CAE
Parkinson Canada
email us here
Visit us on social media:

Our Parkinson Story

Source: EIN Presswire

Different Ways to Contact Uber or Lyft for Drivers with TLC Cars for Rent

Different Ways to Contact Uber or Lyft for Drivers with TLC Cars for Rent

Different Ways to Contact Uber or Lyft for Drivers with TLC Cars for Rent

Friendly TLC Rentals & Leasing Logo

Friendly TLC Rentals & Leasing Logo

Friendly TLC Rentals & Leasing

Friendly TLC Rentals & Leasing

Whether the Uber or Lyft driver is using personal vehicle or TLC rentals, how to get in touch with Uber or Lyft quickly

How to get into contact with Uber or Lyft when you need assistance”

— Friendly, www.FriendlyTLC.com

BROOKLYN, NEW YORK, UNITED STATES, November 27, 2018 /EINPresswire.com/ — Since Uber came out in 2011 with Lyft following shortly afterwards, both companies have suffered from time to time with inadequate customer service. This is hardly uncommon with any new company, especially those that are starting up a new market. As both companies continue to improve, they have made contacting them easier to provide better customer service.

Help Portal

This is the first place you go if you are an Uber driver looking to have questions answered. The Help Portal lets both drivers and passengers ask basic questions, get tips, payments, and the like. The Help Portal for Lyft is similar in nature, although structured a little differently.

Uber App

This is one that you should be familiar with but is often overlooked. The app itself can answer many of your questions right away. So, try the app first before delving any deeper into the system.

Social Media Sites

Both Uber and Lyft have social media accounts, such as Facebook, that is quite helpful if you need general questions answered. That’s because the sites may have fellow Uber or Lyft members that know the answer, so you can find out relatively quickly.

Partner Websites

These are website that offer general information about Uber or Lyft for your area. This may be the best way to have questions answered that are deal with your location. You can find them using Google and typing the query “local Uber partner site” or “local Lyft partner site”. Adding the city would be helpful as well.

Talk to a Person

If you need to contact a human being that is with Uber or Lyft, you’ll need to start with the messaging system which replaced their respective emails. Keep in mind that there is no phone support from either Uber or Lyft at this time. However, Uber does have local offices in many of the larger cities, so you might be able to find the address through Google and visit them personally.

For Non-Emergencies that Need Swift Action

If a passenger leaves something important behind in your vehicle, Uber has a number for you to call, 1-800-353-UBER. For Lyft, 1-855-865-9553. This line is not normally used, but only for situations that are not emergencies, but do require swift action on their part.

For Life-Threatening Emergencies, use 911

Both Uber and Lyft stress for drivers that are involved in accidents or situations that require swift attention from the police, fire department, or an ambulance that they call 911 immediately. 911 is there to keep you safe when things go wrong of this nature.

Whether driving your own vehicle or using TLC car for rent, being able to contact Uber or Lyft when needed is a vital part of your service. Plus, you can take care of your vehicle or TLC car rental using other means when necessary.

Friendly, www.FriendlyTLC.com
Friendly TLC Rentals & Leasing
+1 718-965-1380
email us here
Visit us on social media:

Source: EIN Presswire

Rapidly Evolving Risk Landscape is a Growing Governance Challenge for Boards, Say Directors

Board members and other key executives from 13 countries have issued guidance on how to best govern risk via specialized board risk committees.

The breadth and depth of experience among our governance council members allows the DCRO to put forward uniquely helpful guiding principles documents to be used day one by boards of directors.”

— David R. Koenig, Founder of the DCRO

NORTHFIELD, MN, USA, November 27, 2018 /EINPresswire.com/ — As political and economic interactions become more complex, and as disruptive technologies and processes make innovation cycles massively shorter, boards of directors are paying more attention to risk. This week, the Directors and Chief Risk Officers group (“the DCRO”) published Guiding Principles for Board Risk Committees to help boards and those who depend on them enhance the risk governance practices of their organizations.

The guiding principles are based on the idea that all organizations must take risks to innovate and to achieve their goals. “Taking risk is in entrepreneurs’ DNA,” said Florence Anglès, Chief Risk Officer of REYL & Cie Ltd, an independent banking group in Switzerland. Getting the most out of an organization’s ability to take risk – its risk capacity – is enhanced by a board governance function that includes specialized focus on risk-taking. At the same time, boards have a duty of care that requires an appropriate framework be in place to ensure that such risk-taking is commensurate with their desired levels and expectations. "Having these guiding principles available is a great help to allow my organization make sure that the right oversight and infrastructure to measure and monitor risks at all stakeholder levels is in place,” said Maria Paula Calvo, Vice President Service and Global Technology and Operations Lead Mexico, for MetLife.

Within the guiding principles document is a tool for organizations to evaluate whether it is appropriate and therefore helpful for their board to establish and/or maintain a board risk committee providing the specialized skills and attention that good risk governance may require. “All directors are constantly evaluating risks to the corporation in all board and committee meetings,” noted Carol Gray, a board member at both IFM Investors Pty in Australia and Amex Bank of Canada. “However, with the appropriate forward-looking reporting metrics for a board risk committee to oversee the risk-taking activities of the corporation, all directors’ evaluations should be better informed with insight on management’s development and deployment of strategy from a return on risk perspective.”

According to Todd Davies, member of multiple boards in Australia, “the DCRO Guiding Principles for Board Risk Committees sets the aspirations and practices for a modern risk committee that is fit for purpose for the challenges and opportunities of our times.” He added that “many of today’s risk committees are often concerned with risk control and assurance – something that is important now as it always has been – but in a world of exponential complexity, uncertainty, and change, limiting risk’s focus on these domains is a recipe for opportunities missed and value destroyed.” The guiding principles note that one of the key functions of a board risk committee is to be forward-looking in its focus, linking the organization’s risk taking to the drivers of its success – something essential for value creation.

Board risk committees are prevalent among large banks in many countries, having been made a requirement by regulation following the financial crisis of 2007-09. But studies show that these governance committees are of growing importance across many industries and not just at large entities. “It is critically important that every organization understands the risks it faces and has developed an assessment of each of them,” noted Cyril Maybury, who chairs companies and audit and risk committees in Ireland. “The guiding principles document provides extremely useful guidance on the principles underlying the operation of board risk committees,” he continued. Gray, who also serves on the Board of Governors of Trent University in Canada, emphasized the guidelines’ applicability to non-financial entities as well, saying, “the DCRO Guiding Principles for Board Risk Committees provides me with an instructive document for the non-bank boards on which I serve to evaluate the merits of a board risk committee. Taking the learning from the financial sector into non-bank industries to develop fit-for-purpose risk committee mandates will complement the board’s responsibility for oversight on strategy and delivering results.”

"There is a breadth and depth of experience among our governance council members that allows the DCRO to put forward uniquely helpful guiding principles documents,” said David R. Koenig, the founder of the DCRO and chair of the DCRO Board Risk Committee Governance Council. “Our guiding principles documents are designed to be used day one by boards across many geographies and industries,” he added.

While some companies have either assigned the role of risk governance to an existing audit committee or have created hybrid audit and risk committees, these guiding principles note some cautions about those approaches. “The authors of the DCRO guiding principles envisage a role and focus that is complementary to but very different from the audit and risk committees that you might be familiar with, displacing and clarifying much of the existing thinking for those working in this space,” said Davies. “If you are responsible for leading or shaping board and committee activities at your organization, you’d be well-served by using this document.”

Further, it is also important to note that a board risk committee has a different function than the management of risks practiced by some company executives. They are connected, though, in an important manner. “Defining the right risk appetite aligned with a sustainable strategy is the ingredient of success and is done at the board level,” noted Anglès of REYL & Cie. “To reach this goal, every organization needs a risk champion within management, often a chief risk officer, with the support from the board and a dedicated committee composed of experts in order to oversee risk effectively.”

“The DCRO Guiding Principles for Board Risk Committees is a great accomplishment to provide a more certain level of effectiveness in our risk governance,” concluded Calvo.

The DCRO Guiding Principles for Board Risk Committees is the fourth in this series of practical documents being offered globally. Prior to this release, the DCRO issued guiding principles documents on Cyber Risk Governance, Compensation Committee Risk Governance, and identifying Qualified Risk Directors to serve on boards. All these documents are available without charge at www.dcro.org/guiding-principles.

David R. Koenig
The Directors and Chief Risk Officers Group (the DCRO)
+1 917-338-6631
email us here
Visit us on social media:

Source: EIN Presswire

Risk Score-Guided Care Reduces Death Rate in Heart Failure Patients by Nearly 50 Percent, Study Finds

New team-based care guided by a personalized risk score for heart failure patients reduced the mortality rate of heart failure patients by nearly 50 percent, according to new research.

Using new and unique approaches that deliver healthcare to heart failure patients based on the best information we have for their individual needs improves patient outcomes”

— Dr. Benjamin Horne, Intermountain Medical Center Heart Institute

SALT LAKE CITY, UT, USA , November 26, 2018 /EINPresswire.com/ — New team-based care guided by a personalized risk score for heart failure patients reduced the mortality rate of high-risk heart failure patients by nearly 50 percent, according to new research from the Intermountain Medical Center Heart Institute in Salt Lake City.

Risk-score guided care uses a precision medicine approach, which is based on team-based care activated by the personalized outcomes of a daily set of clinical risk scores. Researchers say it improves healthcare delivery by getting the right amount of care to the right patient at the right time and in the right way.

Researchers observed a 48 percent lower mortality rate and a 25 percent lower 30-day readmission rate when the risk score-guided pathway was used in high-risk heart failure patients admitted to Intermountain Healthcare hospitals.

The study of more than 6,100 patients found the multidisciplinary team care pathway allows physicians to provide the level of care heart failure patients need, based on their individualized medical information.

This improvement addresses a care improvement goal of the Centers for Medicare and Medicaid Services called the Hospital Readmissions Reduction Program, which was established by the Affordable Care Act.

“Using new and unique approaches that deliver healthcare to heart failure patients based on the best information we have for their individual needs improves patient outcomes,” said Benjamin Horne, PhD, researcher with the Intermountain Medical Center Heart Institute and lead author of the study. “Rather than providing standard treatment protocols to all patients, the study is helping us provide the necessary expanded level of care for patients who are at higher risk for hospital readmissions or death.”

Results of the study were presented earlier this month during the American Heart Association Scientific Sessions in Chicago.

During a nearly four-year period (Jan 2013–Nov 2016), 6,182 heart failure patients were admitted to one of 20 Intermountain Healthcare hospitals participating in the study. In February 2014, the new precision medicine approach was gradually implemented across eight of Intermountain Healthcare’s largest hospitals.

Beginning within 24 hours of a patient being admitted, a daily report was generated that provided multiple risk score calculations to clinicians. Patients at higher risk for 30-day readmission or death were directed to the pathway that outlined advanced levels of care from the multidisciplinary team.

“Other studies have shown that reducing hospital readmissions has led to higher mortality rates,” said Dr. Horne. “Our study showed that even though deaths were reduced, meaning more critically-ill patients with heart failure were still alive to potentially be readmitted to the hospital, we still saw the readmission rates decrease by 25 percent.”

Three of Intermountain’s largest hospitals, which were part of the study, have been repeatedly recognized among the 20 hospitals in the country with the lowest readmission rates for heart failure patients. The decreases seen as part of this study were in addition to the already low readmission rates observed over the past decade.

The study, in part, was supported by the Intermountain Foundry innovation program. The new program is part of Intermountain’s commitment to systematically identify and implement ideas that may improve healthcare regionally and nationally.

“Going forward, we’ll work to maintain the improvements we’ve made in 30-day readmission and mortality rates using this new model and look for additional ways to improve outcomes for heart failure patients,” said Dr. Horne.

Members of the Intermountain Heart Institute team involved in the study include Colleen Roberts, RN, MS; Kismet Rasmusson, DNP, FNP; Jason Buckway, RN, MBA; Rami Alharethi, MD; Jalisa Cruz; R. Scott Evans, PhD, MS; James F. Lloyd; Tami Bair, RN; Abdallah Kfoury, MD; and Donald Lappe, MD.


Jess Gomez
Intermountain Medical Center
+1 801-718-8495
email us here

Source: EIN Presswire