爱上海,上海419论坛,上海龙凤419 – Powered by Brooklynn Wilbert!

Category Archives: kazekdlo

Variable rates are variable again

Posted on by

first_img 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mike Tanner Mike Tanner is director of card compliance for PolicyWorks. As such, Mike is responsible for advising on various compliance concerns related to card products offered by PolicyWorks clients. His diverse … Web: www.policyworksllc.com Details While the term may suggest otherwise, variable-rate loans have been far from variable for nearly a decade. Month after month, year after year, variable rates remained unchanged – until December 2015, that is.For the first time in eight years, the Federal Reserve made the decision to increase the Fed funding rate at the end of 2015. The increase resulted in an upped prime rate, an index commonly used to determine the rate on a range of variable-rate loans, from home equity lines to credit cards.I imagine alarms bells and sirens sounded at lenders across the nation when the Fed made their announcement back in December. Why wouldn’t they? With so much time between rate changes, the event likely triggered a great deal of questions from lending staff who had never dealt with the like.By now, lenders – both novice and tenured – have survived the first rate change. However, the recent hike is just the first of what is predicted to be several changes to the prime rate in the coming months and years.The past eight years of rate stability were far from normal. Historically, the prime rate has not been consistent. If you look at the 10 years prior to December 2008, you get a clear picture of the fluctuation. During that particular decade, the prime rate changed 46 times. In 2001 alone, it changed 11 times. Go back even farther in time, and the peaks and valleys of the prime rate graph look like the Rocky Mountains.With history as a reference, it’s clear rate changes will occur more frequently in the future. How can your credit union prepare? Four critical areas of focus should be reviewed immediately: Procedures, marketing materials, UDAAP concerns and training.First, review your procedures to ensure you have a good process for managing future rate changes. There are quite a few details that, if overlooked, could leave you out of compliance and generate exam findings.Second, review any and everything you put in front of a member to understand whether or not it includes a rate. This may include advertising, disclosures, web banners, websites, signs, pamphlets and/or billboards. Regulations do give some leeway to update rates after a change. However, they are short-lived and vary based on the item and how it is delivered.Another area of focus for your credit union involves Unfair, Deceptive or Abuse act or Practices (UDAAP). Is your cooperative changing rates in a timely and consistent manner? An example of a practice that could raise the eyebrows of regulators is rate increases implemented in shorter timeframes than rate decreases. Consistency is the key to ensuring you are treating members fairly.Training is another area of focus. Are all staff members who will be answering member questions about rate changes prepared to provide thorough and accurate answers? Well-trained staff increases the chance of provide clear and consistent information. A well-intentioned, but untrained employee can easily give inaccurate or confusing details that set the credit union up for trouble.These are just a few of the items that need to be considered in your variable rate process. When you are designing the plan for how your credit union will process these changes, be sure to include your trusted compliance professional.Rate changes are going to occur on a more consistent basis than we’ve become accustomed. A well-thought out plan on how to address the inevitable ups and downs around the bend will be a crucial step to ensuring they are traversed smoothly and correctly for all involved parties.last_img read more

Tagged: , , , , , , , , , , , .

The sound of silence

Posted on by

first_img 31SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Amanda Thomas Amanda is founder and president of TwoScore, a firm that channels her passion for the credit union mission and people to help credit unions under $100 million in assets reach … Web: www.twoscore.com Details People hate to be told “NO” – in professional and even personal settings.  It’s uncomfortable and embarrassing at times and really forces us to be vulnerable, which is hard for most people.  There is risk involved in sharing an idea you care about passionately and having others reject or dismiss it.  Someone asked me a few weeks ago “what is the best piece of advice you have for young professionals?” After thinking about it, I said, “No is not the worst thing you can hear in your job.  Instead, the worst thing you can hear is your own silence when you don’t share that great idea or recommend something you think would be beneficial for your credit union’s growth goals.”I’m not saying that it is appropriate to run around and be loudmouthed about everything you think and be argumentative if you don’t agree with every single thing your credit union does or think you can do it better.  What I am saying is that you have a voice.  Whether you are in the accounting department or in marketing or anywhere in between – remember – you were hired to do a job based on the skills and expertise on your resume and throughout your career.If your experience and your knowledge and the things you have learned all point toward something you really think would benefit the credit union – sell it to your CEO or manager.  Say nothing because you don’t want to stick your neck out for fear of rejection.  You aren’t going to get fired for having ideas.Your credit union needs YOU.  You have a unique set of gifts and talents.  Use them to their potential.  For your credit union.  But most importantly, for you.  Take the risk.“If you risk nothing, you risk everything.” –Geena Davislast_img read more

Tagged: , , , , , , , , , , , .

Muhammadiyah allows mosques to hold mass Friday prayers with strict health protocols

Posted on by

first_img“The prayers held in mosques or mushola should be carried out according to health protocols set out by Muhammadiyah’s COVID-19 command center [MCCC] or local administrations,” Agung said.According to the circular, Friday prayers with COVID-19 prevention protocols can take place in more than one shift or in several places, such as in other buildings or rooms other than mosques or mushola, to give Muslims a chance to join the congregations.It also reminded the public that the status of “green” or “red zones” — referring to the level of coronavirus transmission in certain areas — was very dynamic and could change at any time, thus Muhammadiyah members and Muslims in general have to remain up to date with relevant information so they can take the necessary precautions.“It is advisable that in carrying out worship, one must take health, benefit, safety and security concerns into consideration to avoid mafsadat [damage or negative impacts] and to help reduce the spread of COVID-19,” Agung said. Indonesia’s second-largest Muslim group, Muhammadiyah, said on Thursday that its members and Muslims in general may again take part in public prayers in mosques starting this Friday with health protocols and particular arrangements in place to prevent the spread of COVID-19.The announcement marks the opening of mosques and other Muslim holy sites, especially those associated with Muhammadiyah, after they were closed for congregational prayers in March.In a circular read out by the organization’s deputy secretary Agung Danarto during a press briefing on Thursday, the Muhammadiyah central executive board (PP) stated that the compulsory Friday prayers could be conducted in mosques, mushola (prayer rooms) or other similar places. Topics :center_img The circular, jointly signed by Muhammadiyah chairman Haedar Nashir and secretary Abdul Mu’ti, was issued alongside guidance on how to conduct worship amid the pandemic, which is a continued version of the previous guidance issued by the organization’s tarjih (law making) and tajdid (reform) council.The guidance was signed by the council’s chairman Syamsul Anwar and secretary Mohammad Mas’udi.Read also: Jakarta enters transition phase to ease restrictions, extends PSBB to end of JuneAmong other things, it regulates that congregations can maintain distance while praying instead of standing close to each other in their shaf (rows) during the pandemic. It also allows them to wear masks while praying.Straightening and tightening shaf are part of perfecting shalat (prayers), but as the conditions are yet to return to normal, distancing shaf is advisable to avoid infection, the guidance reads.“This is in line with Prophet [Muhammad’s] spirit,” said Fuad Zain of Muhammadiyah’s tarjih and tajdid council.Wearing masks while praying, which is not allowed during normal conditions, does not damage the legitimacy of prayer, the guidance reads.“Especially in a time of a pandemic, a mask is a personal protector that has to be put on outdoors, including when going to the mosques or mushola to take part in mass prayers,” Fuad said.Meanwhile, MCCC chairman Agus Syamsuddin reminded takmir (mosque managements) to make sure of the status of the pandemic in their respective areas so as to assure that the decision to open mosques for mass prayers is not based only on emotion.Agus also advised the takmir to make necessary preparations, including the provision of thermo guns and hand sanitizers for people entering the mosques as well as to prepare shaf arrangements and ablution places according to the health protocols.“The availability of inspectors in mosques is also pivotal to make sure that everyone obeys the prevailing protocols,” Agus said, as he went on to remind the takmir to promptly close a mosque again if a congregation is found to have been infected by COVID-19.last_img read more

Tagged: , , , , , , , , , , , .

Monterea Ripley development magnet for first home buyers

Posted on by

first_imgFirst home buyers are moving to new residentail estate Monterea Ripley in droves.The Monterea Ripley development has attracted first home buyers in droves, with Andrew Dixon and Ashleigh Greer the latest to realise their real estate dreams. First home buyers Andrew Dixon and Ashleigh Greer are looking forward to moving into their Monterea Ripley home next month. Mr Dixon, an earthmoving contractor, said a major appeal the estate for partner Ms Greer, a childcare worker, and himself was the amount of green space and the seclusion. FOCUS ON GREEN SPACE AT RIPLEY COMMUNITY RIPLEY’S GROWTH SET TO RAMP UP “We have found it to be a much more personal place than other developments in the area,” he said. “This is a great location which is so close to everything including the Ripley Town Centre and we have all the amenities we need and transport links.More from newsParks and wildlife the new lust-haves post coronavirus17 hours agoNoosa’s best beachfront penthouse is about to hit the market17 hours ago”We’re very excited about our first home. It will be two-storey, four bedrooms, 2.5 bathrooms with a media room and a drive through double garage.“I’ve always wanted my own home with plenty of room for a shed.” Streetscape of the Moterea Ripley residential community.He said they hoped it would be ready to move into in September.Monterea Ripley director of land marketing Jamie Martin, said the development had already welcomed over 20 new residents living in stage one and another 20 homes were under construction.“We have fast tracked the launch of stages two, three and four of Monterea Ripley with another 53 lots and we have already had strong interest from buyers attracted by the lifestyle blocks of up to 560sq m,” he said. >>FOLLOW EMILY BLACK ON TWITTER<< “Most of our purchasers have been first time buyers and the majority of them work in Ipswich, while some commute to the Brisbane CBD and Logan City.”Mr Martin said the community would include dedicate more than 8ha to green open space.“A new five acre park called John Michels Reserve has opened and features a lush corridor of more than 30,000 new plantings, kick and play turfed areas, sheltered picnic areas and walkways to be enjoyed by residents,” he said.Ripley was the second fastest growing suburb in Queensland in 2016-17, according to the Australian Bureau of Statistics. An Urbis report predicted the Ripley region will experience average population growth of 27.6 per cent a year until 2026.Land prices start at $179,000, with house and land packages from $410,000.last_img read more

Tagged: , , , , , , , , , , , .

Ocean current turbine demo scores more

Posted on by

first_imgA small-scale tidal current turbine demonstrator – being developed by Spanish Seaplace and UK’s Magnomatics – has achieved one third more efficiency during testing than had been previously predicted.A 6kW turbine demonstrator, with rotational speeds of up to 120 ppm, was recently tested at a facility in Madrid, where it achieved better results than anticipated, the developers said.The project is looking to harness the power of sea currents as an alternative energy source by designing a turbine with pseudo direct drive (PDD) technology to deliver high torque, low speed power for the machine.The design of the device being developed by the companies – a floating tension-tethered and self-steerable marine-current (FTMC) turbine – is said to allow the exploitation of marine currents in areas deeper than 60 meters, or in areas with irregular seabed where fixed devices are too expensive to deploy.The FTMC turbine put through its paces in a test basin (Photo: Seaplace) The Sheffield-based company developing magnetic gear technology Mangomatics was in charge of the PDD generator design, while the turbine itself was designed by the Spanish offshore engineering experts from Seaplace.Using kinetic energy of ocean currents as a means of generating power is a relatively young technology compared with developments in other fields of alternative power generation, according to Magnomatics.David Latimer, Magnomatics’ Chief Executive, said: “The possibilities presented by using ocean currents as an alternative energy source are far-reaching. The European Commission estimates that 0.1% of the energy content in ocean waves could be capable of supplying the entire world’s energy demand five times over.“Currently, energy harnessed from currents meets just 0.02% of the EU’s energy requirements.”The 32-month long project kicked off on April 1, 2016 – under the Eurostars Program, aimed at market-oriented transnational projects.The full-scale turbine will measure around 26 meters in diameter, with a propeller diameter of approximately 18 meters, with five blades to each propeller, according to Magnomatics.last_img read more

Tagged: , , , , , , , , , , , .

Controversial sugar dating company eyes NZ

Posted on by

first_imgNZ Herald 24 February 2019Family First Comment: Disturbing.“Family First’s Bob McCoskrie said relationships based on “purchasing a friendship” would always be problematic and artificial.”A company which links up older men offering younger women cash and other rewards in exchange for dates is looking to set up base in New Zealand.SugarBook runs a sugar dating app and claims to have 10,000 members signed up in New Zealand.Its Malaysian creator and chief executive Darren Chan, 31, said it wanted to extend its online service to set up an office in New Zealand and Australia because of the “rising trend of sugar relationships down under”.Critics say the arrangements are little different to prostitution and it has sparked concerns about young women being exploited and abused.Sugarbook is being watched by police in Singapore and accused of facilitating illegal prostitution in Malaysia.Sugar dating is where an older man or woman spends large amounts of money on a younger girlfriend or boyfriend in exchange for a relationship.Gifts received by sugar babies interviewed by the Herald on Sunday previously included breast enhancements, watches, handbags, business class travel and regular cash transfers.Dame Catherine Healy of the NZ Prostitutes Collective said sugar relationships were “just another form of sex work”.“They may be using a facade that sugar babies are not related to sex work … but sex is definitely a key element of sugar relationships,” she said.Healy believed a company promoting sugar relationships in New Zealand could be in breach of the Prostitution Reform Act. Under the law, it was illegal for people on temporary visas to provide commercial sexual services.Immigration New Zealand manager of visa services Michael Carley said payment of school fees, accommodation and presents in exchange for sex could in some circumstances be considered providing a sexual service and would be a breach of a temporary visa.Immigration also said there was no visa category that would allow a person, who was not a New Zealand citizen or resident, to invest in, direct, own or manage a commercial sex business.Bob McCoskrie of Family First said relationships based on “purchasing a friendship” would always be problematic and artificial.READ MORE: https://www.nzherald.co.nz/index.cfm?objectid=12199039&ref=twitterlast_img read more

Tagged: , , , , , , , , , , , .

Salah praised after Liverpool thrash Leicester

Posted on by

first_img(BBC) – MANAGER Jurgen Klopp called Liverpool’s reaction to going a goal down against Leicester the “best I’ve ever seen” after Mohamed Salah’s double helped them come from behind to win at Anfield.Jamie Vardy gave the visitors an early lead when he poked home from a Riyad Mahrez pass before Salah equalised in the second half.The Egypt international then turned Harry Maguire on the edge of the area before firing in his second of the day – and 17th Premier League goal of the season – to give Liverpool the lead.Klopp described the hosts’ performance as “perfect” and the Reds, who will finish the year in fourth place, extended their unbeaten run to 15 games.Leicester stay in eighth but have now gone five games without a victory.“On perfect days we win football games,” said Klopp.“The crowd were unbelievable and we needed them today to score these two goals. It’s a good team performance and a well-deserved win.”The only concern will surround the fitness of match-winner Salah, who Klopp said was “limping” when he was substituted with less than 10 minutes left to play.“We have to check it,” added the German. “We tried to change it as quick as possible and of course that is not too good.”last_img read more

Tagged: , , , , , , , , , , , , .

Ruiz Knocks Down Trainer in Sparring Session

Posted on by

first_imgWorld heavyweight champion Andy Ruiz Jr showed off his knockout power on Instagram yesterday after sharing a video of his latest training session.Ruiz Jr is in camp ahead of his much-anticipated rematch with Anthony Joshua in Riyadh, Saudi Arabia on December 7.The Mexican uploaded a video on Sunday showing him undergoing a pad session with trainer Manny Robles during which he knocks Robles’ pad off his hand. Ruiz Jr stunned Joshua with a seventh round TKO victory and spent the following months enjoying the fruits of his night’s work.His own trainer, Robles, admitted recently that the WBO, WBA, IBF and IBO world champion was in poor physical condition and had done little training before agreeing to a rematch.Ruiz Jr weighed in at 268 lbs (19 stone, 1 pound), prior to his first bout with Joshua but has claimed he will weigh in considerably lighter for their second fight.His target weight of 255 lbs means he could enter the ring in Saudi Arabia over a stone lighter as he bids to be the faster fighter on the night.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram Andy Ruiz Jr (right) beat Anthony Joshua in the seventh round at Madison Square Garden in Junelast_img read more

Tagged: , , , , , , , , , , .

What we learned from Syracuse basketball’s win over Elon

Posted on by

first_img Published on November 21, 2015 at 11:47 pm Syracuse (3-0) skated by another inferior opponent on Saturday, this time beating Elon (2-2), 66-55, in the Carrier Dome.The Orange shot a cold 2-for-8 from 3 in the first half and attacked the rim more in the second, which was the same adjustment it made against St. Bonaventure on Tuesday. And aside from the offense trending toward the paint, here are three things we learned from a game that, for Syracuse, was too close for too long.1. Trevor Cooney is still being guarded tightly, he’s just better at dealing with itCooney took just three 3s against Elon, making one in the second half on a kick-out from Michael Gbinije. But the fifth-year senior is adjusting his game accordingly, and going to the rim when teams take away his space on the perimeter.“That’s how it’s going to be, and I got that one open look and knocked it down which was good,” said Cooney, who finished eight points, six rebounds and four assists. “Overall, I’m happy that I was able to get to the rim and get to the basket and make plays. I just have to do it more often and try and find the open spots to try and get opportunities.”AdvertisementThis is placeholder textStill, it sounded like SU head coach Jim Boeheim wants to get Cooney more good looks from the outside in the coming games. That depends on a few factors, including the shooting of Gbinije and Malachi Richardson — who shot just 1-for-6 from 3 on Saturday — and SU’s bigs becoming more viable scoring threats in the low post. More production across the board will mean teams won’t be able to key on him, and it’s a dilemma he’s faced in past seasons.But the difference now is that Cooney is more comfortable with the ball and, consequentially, more comfortable taking on defenders off the dribble. Elon also didn’t switch on on-ball screens as frequently as St. Bonaventure did, which allowed Cooney to attack his recovering man in pick-and-roll situations.“We’re not getting him good looks,” Boeheim said. “Mike got him one good look and he made it. We’re just not getting him those. People are staying with him and sticking to him, and that’s when we’ve got to get other offensive production from other people.”2. Tyler Roberson can shoulder a rebounding load as Syracuse figures out center situationBoeheim bluntly said he didn’t see much out of Roberson in the Orange’s season-opening win over Lehigh, and the junior forward has since elevated his game.He turned in one of the best, if not the best, game of his college career against Elon, notching a double-double of 20 points and 16 rebounds. More importantly, Roberson’s nine defensive rebounds was a good sign for a team still figuring out how to manage minutes at center.“Well he’s got to rebound and play defense,” Boeheim said, simply outlining Roberson’s most important jobs. “We’re creating opportunities for him by him screening and rolling, getting out of the way and moving.”Starting center Dajuan Coleman, still getting back to form after missing 22 months to injury, played 10 minutes and grabbed just one rebound. Boeheim continually yelled at him from the bench to be more active on the glass. In Coleman’s place, freshman Tyler Lydon played 35 minutes and Boeheim admitted that the Phoenix took some advantage of his slim 210-pound frame.Lydon grabbed a respectable seven rebounds, but it was Roberson who carried the thin frontcourt.3. Boeheim wants to play Gbinije on the wing more, but doesn’t have the right guard depth Against the Bonnies, lineups with Gbinije playing the wing of the 2-3 zone were particularly effective defensively. Boeheim said after beating Elon that he wants to play Gbinije in that spot, but that his reserve guards aren’t allowing him to do so.Gbinije also picked up three first-half fouls, which didn’t allow his coach to tinker with his lineups as much.“Ideally if Mike stays out of foul trouble I’d like to see him at the forward a little bit, we’re better defensively that way,” Boeheim said. “But we have to get somebody playing better at the guard spot to do that. That’s a hope. Mike helps our defense when he’s back there.”The two off-the-bench guards are sophomore Kaleb Joseph and freshman Franklin Howard, both of whom played fewer than 10 minutes against the Phoenix.Joseph came into the season being touted by his coaches and teammates as an improved shooter, but his perimeter defense has kept his playing time to a minimum. Howard is still getting his feet wet in his first college season, and missed two field goals while scoring his only (and first career) point at the foul line in the first half. Comments Facebook Twitter Google+last_img read more

Tagged: , , , , , , , , , , , .

Former Syracuse women’s lacrosse player sues university, Gary Gait

Posted on by

first_img Published on October 19, 2016 at 3:01 pm Contact Michael: mdburk01@syr.edu Comments Facebook Twitter Google+center_img A Syracuse University graduate student and former women’s lacrosse player has filed a lawsuit against the university and women’s lacrosse head coach Gary Gait, alleging they acted recklessly and negligently in causing her personal injury. Syracuse.com first reported the lawsuit.Addy Tauro, who is listed in the SU directory as a graduate student, filed the lawsuit on Sept. 29. Tauro was participating in a practice on Oct. 8, 2013, when she suffered a personal injury “caused solely by the negligence and reckless conduct of the defendants,” the complaint alleges.Tauro’s lawyer, Jim Fleckenstein, who was not immediately available for comment on this story, told Syracuse.com that Gait threw a pass during the practice that hit Tauro in the head, giving her a concussion. She still suffers from the concussion three years later, Fleckenstein told Syracuse.comTauro is suing for monetary damages of an undisclosed but “fair and reasonable amount,” according to the lawsuit.Sarah Scalese, SU’s associate vice president of public affairs, declined comment in an email, citing university policy against commenting on pending litigation.AdvertisementThis is placeholder textlast_img read more

Tagged: , , , , , , , , , , , .