LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS The teams of two stick together and swap roles the next round, with Owens and assistant Clancy overseeing Australia versus Argentina and Poite and Garces looking after New Zealand and South Africa.All will be involved right through to the conclusion, with Garces reffing the Springboks and Wallabies game on September 28 and then Owens and Wayne Barnes overseeing the South Africa versus New Zealand game and the Argentina versus Australia game respectively. Man in the middle: Nigel Owens is one of Europe’s elite referees overseeing seven of the next eight TRC matchesBy Alan DymockIT’S ALWAYS nice to be wanted. It must be a strange feeling for referees, though.In an age where the men in the middle are as professional as players and criticised as openly as them in the media as well, it is interesting to note that Northern Hemisphere refs are desired for the Southern Hemisphere’s biggest competition. One only needs to hear the cliché about the difference between the interpretation of rules between the two zones to know there may be some grumblings, but still the best officials from Europe are getting top gigs in the south.Hard to miss: The luminous Irish referee George ClancyIn the next eight Rugby Championship fixtures there will be no less than seven games refereed by Europeans, with European officials running touch in all of them.On September 7, George Clancy will referee Australia versus South Africa with Nigel Owens manning the flag alongside familiar Kiwi Glen Jackson, formerly of Saracens. On the same day, Jerome Garces will be refereeing New Zealand versus Argentina, with Romain Poite on touch. PERPIGNAN, FRANCE – APRIL 26: George Clancy, the referee asks for the video referee to help his decision whether a Perpignan penalty had cleared the posts during the Amlin Challenge Cup Semi Final between Perpignan and Stade Francais at Stade Aime Giral on April 26, 2013 in Perpignan, France. (Photo by David Rogers/Getty Images) There always seems a big fuss whenever a SANZAR referee comes over for the Six Nations, but there is clearly a difference in trust. A third of last year’s Six Nations’ games was overseen by Southern Hemisphere referees, but imagine the uproar if over half the games were whistled by non-Europeans?The only true shame is that there is no Argentine referee deemed good enough by the IRB to oversee a Rugby Championship match.
Is Rise in Forbearance Volume Cause for Concern? 2 days ago Demand Propels Home Prices Upward 2 days ago Related Articles in Featured, News, Technology October 9, 2017 1,178 Views Print This Post digital mortgage Ellie Mae mortgage Technology Velocify 2017-10-09 rachelwilliams Demand Propels Home Prices Upward 2 days ago Home / Featured / Ellie Mae Celebrates Velocify Acquisition Ellie Mae Celebrates Velocify Acquisition The Best Markets For Residential Property Investors 2 days ago Rachel Williams attended Texas Christian University (TCU), where she graduated with Magna Cum Laude with a dual Bachelor of Arts in English and History. Williams is a member of Phi Beta Kappa, widely recognized as the nation’s most prestigious honor society. Subsequent to graduating from TCU, Williams joined the Five Star Institute as an editorial intern, advancing to staff writer, associate editor and is currently the editor in chief and head of corporate communications. She has over a decade of editorial experience with a primary focus on the U.S. residential mortgage industry and financial markets. Williams resides in Dallas, Texas with her husband. She can be reached at [email protected] Previous: New York City Delinquencies Show Record Rise in Q3 2017 Next: THL Completes Majority Acquisition of Ten-X Ellie Mae®, a cloud-based platform for the mortgage finance industry based in Pleasanton, California, announced that it has completed its acquisition of Velocify, a sales acceleration platform. The company’s acquisition was spurred in part to align with Ellie Mae’s goal to offer a fully digital mortgage.“Going forward Ellie Mae will integrate Velocify’s lead management, engagement and distribution capabilities withEllie Mae’s Encompass CRM’s unique approach to automated one-to-one personalized marketing and the Encompass Consumer Connect digital consumer experience,” Ellie Mae said in a release.Jonathan Corr, President and CEO of Ellie Mae, also commented on the news, saying, “Ellie Mae’s North Star is to automate everything automatable for the residential mortgage industry, and we believe that a true digital mortgage must encompass the entire loan lifecycle, from targeted marketing automation to lead generation to application to automated investor delivery. The acquisition of Velocify accelerates our delivery of a true digital mortgage solution for the industry.”Upon the announcement of the acquisition it was also released that Nick Hedges, former president and CEO of Velocify will move into the role of SVP of Ellie Mae. “Velocify and Ellie Mae are longtime partners in the mortgage space thanks to our integration with their Encompass solution. We’re both fueled by the mission to simplify and speed up the mortgage process to help lenders originate more loans, lower costs and reduce time to close,” said Hedges. Tagged with: digital mortgage Ellie Mae mortgage Technology Velocify Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago About Author: Rachel Williams Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Subscribe
Birmingham Police Department(BIRMINGHAM, Ala.) — A body has been recovered at a home in Alabama during the investigation into a missing woman, Paighton Houston, who hasn’t been seen in nearly two weeks, officials said Friday.The investigation into the disappearance of Houston, who was last seen on Dec. 21, led authorities to a home in Hueytown, where a body was found, Valerie Hicks Hale, the chief assistant district attorney for the city of Bessemer, told ABC News Friday.The identity of the recovered victim has not been released.Houston, 29, vanished after leaving Birmingham’s Tin Roof bar on the night of Dec. 21, the Birmingham Police Department said.She was spotted with two men, and it appeared she left with them willingly, police said.Houston had gone to the bar that night with a few friends. Shortly after midnight, she texted one of those friends saying “she didn’t know who she was with and that she felt like she was in trouble,” her brother, Evan Houston, told “Good Morning America.”The 29-year-old “can handle her own self,” her brother said, so “the fact that she was reaching out for help and saying she was in trouble was a big red flag.”Copyright © 2020, ABC Audio. All rights reserved.
View post tag: Makin View post tag: Diego View post tag: ARG View post tag: News by topic View post tag: Naval Share this article Back to overview,Home naval-today Makin Island ARG Returns to San Diego, USA View post tag: usa View post tag: Navy View post tag: Island June 23, 2012 Sailors assigned to the Makin Island Amphibious Ready Group (ARG) returned to their homeport of San Diego June 22 following a seven-month deployment.The three ships that comprised the Makin Island ARG were amphibious assault ship USS Makin Island (LHD 8), amphibious transport dock ship USS New Orleans (LPD 18) and amphibious dock landing ship USS Pearl Harbor (LSD 52).In addition to the more than 1,700 Sailors who returned today, one day earlier, more than 2,100 Marines assigned to the 11th Marine Expeditionary Unit (MEU), which had embarked the three ships for the deployment, returned home to friends and family members at Camp Pendleton, Calif.During the seven-month deployment, the nearly 4,000 Sailors and Marines of the Makin Island ARG conducted maritime security operations (MSO) and theater security cooperation (TSC) exercises and events in the U.S. 5th and 7th Fleet areas of responsibility.“In addition to the MSO mission, Amphibious Ready Groups bring flexible assets into the theater that allow fleet commanders the ability to deliver combat forces, support humanitarian assistance and disaster relief missions as well as noncombatant evacuations,” said Capt. Donald Cuddington, commander, Amphibious Squadron 5. “During this deployment, the Sailors and Marines of the Makin Island ARG took part in a number of exercises and TSC events in support of our nation’s maritime strategy.”Cuddington said highlights of the deployment included supporting exercises Kilat Eagle in Malaysia, MAREX 2012 in Cambodia, and numerous TSC events with other coalition partners in the Gulf region.“A key component of our maritime strategy is building regional partnerships to ensure security, stability and prosperity in the Asia-Pacific region,” said Cuddington. “Our deployment is proof of just that, and that we are a professionally trained fighting force also capable of humanitarian assistance and disaster relief if needed.”While deployed, the embarked 11th MEU participated in a total of 14 exercises with regional partners and host nations.“We were able to sharpen our skills while strengthening partnerships with our hosts,” said Col. Michael R. Hudson, 11th MEU commanding officer. “From survival and jungle training in Cambodia and Malaysia to full-scale raids and live-fire exercises with counterparts throughout the Middle East and Horn of Africa, this deployment employed all the capabilities of our air-ground-logistics team.”Hudson said this was also the first operational deployment of the four-blade AH-1Z Viper helicopter. When deployed with the UH-1Y helicopter, the “Yankee-Zulu” package replaces the older two-blade Marine Corps AH-1W and UH-1N helicopters.The new helicopters can carry an additional 2,000 to 4,000 pounds, travel faster and conduct combat operations from a safer distance. The AH-1Z and UH-1Y also share an 85 percent parts commonality, which streamlines training and maintenance.“Although we are most capable as a three-ship [group], positioning our forces throughout our area of operations permitted Marines to be three and sometimes four places at once,” said Hudson. “At one point, we were participating in three different large-scale exercises in the Western Pacific, while simultaneously planning three more. We were able to accomplish these exercises and other contingency-support missions because of the agility and capability inherent in a MEU embarked on amphibious ships.”Sailors and Marines from the Makin Island ARG also participated in a variety of community relations activities in a total of six different countries during the deployment. These projects include spending time with needy children and the elderly, making improvements to local schools and orphanages, and taking care of abandoned cats and dogs at animal shelters.This was the maiden deployment for Makin Island, the Navy’s newest amphibious assault ship and the only U.S. Navy ship with a hybrid electric propulsion system.“Our Sailors and Marines successfully met every mission during our historical maiden deployment in support of the nation’s maritime strategy,” said Capt. Cedric Pringle, Makin Island’s commanding officer. “As the Navy’s first operational test platform for this hybrid-electric propulsion system, our fuel efficiency directly enhanced the ability to operate forward for longer. Additionally, our significant fuel cost savings, coupled with our lessons learned, will serve as a solid foundation for optimizing this ship, as well as current and future ship designs. The value of our first deployment will continue to increase, as we assess required refinements in engineering subsystems, training, and logistics support.”During the deployment, Makin Island made port visits to Singapore, Bahrain, Jordan, Malaysia, Hong Kong and Pearl Harbor, Hawaii. USS New Orleans visited Cambodia, Singapore, United Arab Emirates, Oman, Bahrain, Jordan, Thailand, Hong Kong, Japan and Pearl Harbor, Hawaii. USS Pearl Harbor stopped in Singapore, Cambodia, Bahrain, United Arab Emirates, Qatar, Jordan, Thailand, Republic of the Philippines and it’s namesake of Pearl Harbor, Hawaii.Hundreds of family members joined the Sailors and Marines on each of the three ships for the final leg of the deployment, from Hawaii to California, as part of a scheduled Tiger Cruise.[mappress]Naval Today Staff , June 24, 2012 View post tag: Returns View post tag: San Makin Island ARG Returns to San Diego, USA Authorities
Oxford City Council additionally announced last summer that they plan on converting Boswells Department Store into a hotel in partnership with the Reef Group, “to increase the number of hotel spaces in Oxford to encourage overnight stays. It is estimated that Oxford now has about 3,215 hotel rooms – an increase of about 27.7% from about 2,517 rooms in 2010.” All of the money together will fund Oxfordshire’s official tourism promotion organisation and aim to solve long-term logistical problems with coaches in the city centre. This is expected to secure the future of the tourist economy post-pandemic. Image: David Hawgood /CC by-SA 2.0 via Wikimedia Commons Mary Clarkson, Cabinet Member for City Centre, Covered Market and Culture, told the Oxford Mail that the council had “spent years” on efforts to attract more overnight tourists and hopes to see the amount of visitors coming into Oxford grow after the end of the pandemic. £70,000 of public cash is set to be invested in Oxford’s tourism sector to give it a boost for after the pandemic. The other £20,000 will come from Oxford City Council’s budget this year and will be used in order to create a city-wide coach drop-off and layover strategy to allow for more stops where coaches can pick-up and drop-off passengers. £50,000 of the fund comes from a government grant and will be given to Experience Oxfordshire in order to help give tourism businesses access grants and general wider support.
Dear editor:Re: Will City Go To Pot, Reporter, April 22. Our state, along with others, is wrestling with the problem of whether or not to “legalize” pot. The solution is simple. All NJ has to do is repeal the stupid laws criminalizing pot, and the free market, which all capitalists claim to worship, will take care of the rest. Think of the billions of dollars wasted and lives harmed by the incarceration of harmless pot smokers!A hippie friend out West grows weed illegally (he lives on a few acres off the beaten path) and sells it locally. By growing much of his own food, and part-time jobs, and the income from selling pot, he and his wife were able to raise two daughters who have given those grandchildren.He predicts that, like Prohibition when Americans drank more alcohol because it was illegal, and imbibed normal amounts when it became available again, it’ll be the same when cannabis is freely purchasable.Now the illegality of it makes it forbidden and attractive to the young.He says the liquor lobby, who wanted no competition, was behind the “reefer madness” demonization of cannabis for decades. But it is well known that alcohol, not pot, commits violent crimes and highway mayhem. And pot, despite claims by its detractors, doesn’t destroy brain cells, either. This friend, now 78 years old, has smoked pot every day for 50 years, and his mind is as sharp as ever.There’s no need to agonize about “legalizing” anything. Just stop jailing people for growing and smoking it. Better yet, where there’s good old American free market competition, the prices will drop. T. Weed
When the phone rings, do you just brace yourself for the sales pitch? If telemarketershave your number, remember: you have rights.The Federal Trade Commission has given you an easy-to-use tool to stop such calls, saysEsther Maddux. She’s a financial management specialist with the University of GeorgiaExtension Service.Telemarketing fraud costs consumers as much as $40 billion a year.”Under the FTC’s Telemarketing Sales Rule, you can stop a telemarketer fromcalling simply by asking him not to phone again,” Maddux says. “If he does, he’sbreaking the law.” You can report him to the Governor’s Office of Consumer Affairs (1-800-869-1123).The Telemarketing Sales Rule also stops telemarketers from calling before 8 a.m. andafter 9 p.m.”When they do call,” Maddux says, “they must tell you they’re trying tosell something before they make their pitch. Then, before you pay, the caller must statethe total cost of the product or service and any restrictions on getting or usingit.”The rule bans misrepresentations, too. It tightly limits telemarketing credit-repairand advance-fee loan services. And it forbids anyone to help fraudulent telemarketingbehind the scenes.The rule covers most types of calls. It includes calls to pitch goods, services,sweepstakes and prize-promotion and investment breaks.”The FTC has brought dozens of law-enforcement actions over the years to halttelemarketing scams,” Maddux says. “This rule adds the threat of heavy civilpenalties to its enforcement arsenal.”State attorneys general can enforce the rule in federal court. They can now getnationwide injunctions to stop fraud operators, no matter where they are.”This puts 50 more cops on the national telemarketing fraud beat,” Madduxsays.The FTC offers a brochure called “Straight Talk about Telemarketing.” Ittells how scams work, how they get your name and number and the key parts of the FTCrules. For a copy, write the FTC’s Public Reference Branch, Room 130, 6th Street andPennsylvania Avenue, N.W., Washington, D.C. 20580.The FTC urges people who feel they’ve been victims of telemarketing fraud to report thecaller to a national hotline. Call 1-800-876-7060.
2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Make room for new ideas at your credit union, says Andrew Downin, Filene Research Institute’s innovation director.And watch our for technology and innovation that could disrupt the financial services industry.To be innovative, credit unions need to find and empower talent, he says.“The way in which we look for talent really needs to change to stay relevant and adapt to the changing competitive environment that we are in,” Downin says.Downin encourages credit union leaders to:• Look for diversity. Seek out employees with different life experiences and perspectives. “There’s a lot that credit unions can learn from artists and engineers.” Don’t be afraid to hire from outside the financial services industry. continue reading »
Everyone’s talking about faster payments. Much of that dialogue has to do with what “faster payments” really means. As with many things in the rapidly evolving world of payments, there is no such thing as a simple definition. That’s because of the incredible number of players – from task forces to private enterprises – putting forth different solutions to satisfy multiple use cases for the payment innovation. The other complexity that comes into play when we’re attempting to define faster payments is that speed is not always the core value proposition of the different solutions being offered up. This was a big part of the discussion covered in the recent “Real Time Payments – What You Need to Know” session of the online CUNA Mutual Discovery Conference. Often, faster or real-time payments solutions promise to improve the overall experience for the end-user – whether it’s a consumer moving money from point A to point B or a business moving money across borders.Given this focus on experience over speed, one definition we might consider is this:Faster payments is a digital solution to sending money quickly, safely and in a way that personalizes or heightens the user experience in some way beyond speed.As the industry collaborates to bring faster payments from theory to reality, key players will be working to address quite a few unanswered questions. Let’s look at a few of them. 1. Can we pay anyone regardless of where they bank or which apps they’ve downloaded?We have many ways to move money today. Each has its pros and cons. Some have visions of ubiquity; others are built to serve a niche segment. The ubiquity question is one “the Pays” (Apple Pay, Android Pay, Chase Pay, Samsung Pay) have struggled with since inception. Consumers can love the idea of paying from their smart devices, be they phones or watches. Whether they can consistently depend on being able to do so relies heavily on the merchants, financial institutions and people to whom they want to send money. 2. Can U.S. systems integrate with others around the globe to facilitate faster international payments?Many of the payment system struggles in the U.S. market are based on the country’s highly complex payments infrastructure. Plugging into that infrastructure has always been a challenge for international parties; now we’re adding to that challenge by trying to speed up settlement times. Interestingly, many countries that have recently built or are in the early stages of building faster payments systems are designing them to be flexible. This allows providers to create value-added services on top of the core platform, and importantly, to realize new revenue streams. 3. Can we have faster payments without also having faster fraud?With less time to evaluate risk and authenticate users, many wonder if faster payments will lead to faster fraud. On the flipside, others believe faster payments may actually help reduce risk by decreasing the amount of time money is in play. By shortening the delay between initiation, clearing and settlement, we may actually see fraud attempts lessen. Of course, if there’s one thing we know about fraudsters, it’s that they are just as innovative as the good guys. Keeping ahead of them will require ingenuity. In fact, the industry may need to completely reimage payments verification and deploy technologies like biometrics, artificial intelligence and machine learning to help us spot trends and predict problems before they occur.4. Do we want to mix social media with finances?Some faster payments solutions in the P2P space integrate with social media. There is a call for that level of connection among some consumer segments, but for how much longer?Cybercriminals and other social engineers are getting really good at following digital breadcrumbs. As more consumers become aware of the consequences of “financial TMI,” they will be paying closer attention to the security controls built into the payment tools they use. 5. Who will pay for what and how much will they be willing to pay?This is a big one. Even though faster payments has the potential to bring benefits to everyone on the value chain, that doesn’t necessarily mean they are willing to pay for it. There’s a lot of experimentation happening across the digital payments ecosystem as it relates to fees. Charging for things like remote deposit capture and same-day ACH are tactics being deployed by quite a few financial institutions. It will be interesting to see how those experiments play out. Keeping a close eye on payments is a must for growth-minded credit unions, as this particular product set accounts for an increasing share of revenue. Non-interest income has grown by more than 600 percent since 1995, more than triple the growth of net interest income. CO-OP will continue to offer the payments tools, data, strategy and insights to keep credit unions on pace for exceptional delivery of faster and real-time payments. 56SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Shazia Manus At AdvantEdge Analtyics, Shazia Manus applies a futurist view to the field of analytics, helping credit unions discover new possibilities for exceptional member experiences. Prior to joining CUNA Mutual Group … Web: advantedgeanalytics.com Details