Is bigger always better? For many things in life, the answer is probably yes, but not so much when you’re talking about switching banks. 66% of people would rather bank at a community bank or credit union, and that includes 59% of people already doing business with a megabank, according to the 2015 Consumer Banking Insights Study.Smaller, community banks and credit unions have a lot going for them. If you’ve ever thought of switching from your national megabank to a neighborhood financial institution, here are six reasons why switching to a local bank can pay off for you:1. More personal service — This one is no surprise; community banks and credit unions are known for their customer service. In fact, 64% of people surveyed in the Consumer Banking Insights Study believe community banks and credit unions provide better personal service in any kind of interaction — be it face-to-face, over the phone, or online — than big national banks. continue reading » 80SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
In late December, the popular Northeast convenience store chain Wawa disclosed hackers had obtained payment data for some of its customers. Now, the scope and the fallout from the hack is becoming apparent, as criminals this week reportedly began to sell millions of credit and debit card accounts on the Internet.According to Gemini Advisory, a firm that researches cybercrime, a well known hacker known as Joker Stash posted the data for sale on Monday evening on the so-called dark web—an anonymous layer of the Internet popular with criminals.In a screenshot given to Fortune by Gemini Advisory, the criminal boasts of possessing more than 30 million card numbers from more than 40 different states stemming from a “nationwide breach.” The screenshot, shown below, does not name Wawa but Gemini is confident the company is the source of the breach: continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Corruption Eradication Commission (KPK) prosecutors have demanded seven years’ imprisonment and a Rp 500 million (US$33,564) fine for Tengku Dzulmi Eldin, the inactive mayor of Medan in North Sumatra, for his alleged involvement in a bribery case related to projects and positions in the city administration.Dzulmi allegedly received a total of Rp 2.1 billion in bribes from a number of Medan city officials, including those in high-ranking positions, from 2018 to 2019, said KPK prosecutors Siswhandhono, Arin Karniasari and Yoyok Fiter Haitifewu.The antigraft body has charged Dzulmi under Article 12 of the 2001 Corruption Law, which prohibits civil servants and public administration officials from accepting bribes.The prosecutors also demanded that the judges “revoke the right of the defendant to be elected for public office for five years after he has finished serving his sentence” during a hearing at the Medan Corruption Court on Thursday.During the previous hearing on March 5, the prosecutors alleged that Dzulmi received the bribes on several occasions from a number of city agency heads in Medan, including then-head of the Public Works Agency Isa Ansyari; Housing and Residential Area Agency head Benny Iskandar; Regional Tax and Levies Management Agency head Suherman; and Transportation Agency head Iswar.Read also: Medan mayor, officials in Jakarta and East Kalimantan arrested for alleged graftAdditionally, 20 other city agency heads and officials were involved in the case, according to the prosecutors.The prosecutors said Rp 550 million of the bribe money was used for Dzulmi’s operational expenses, while Rp 900 million was used for travel expenses when he visited Japan for Medan’s sister city program, where he reportedly brought along his family members and several individuals unrelated to the program.The remaining Rp 550 million was used to pay off the travel fee to the travel agents.According to KPK prosecutors, the 24 city agency heads and officials involved in the case decided to give Dzulmi bribes in the hope of retaining their position within the Medan city administration, as he was expected to serve as mayor until 2021.The antigraft body initially arrested Dzulmi and named him a suspect in October last year. His deputy, Akhyar Nasution, subsequently replaced him as acting mayor of Medan following his arrest.In February, the Medan Corruption Court sentenced Isa Aansyari to two years’ imprisonment and a Rp 250 million fine for his involvement in the bribery case.Topics :
Forrest is hoping Tierney will stay at Celtic (Picture: Getty)Celtic winger James Forrest insists Kieran Tierney is ‘coping well’ and ‘working hard’ to get himself back to full fitness amid speculation linking his team-mate with Arsenal.‘Ask anyone in our dressing room, we all want KT to still be here,’ Forrest said.‘He’s been a great player for us and everyone is hoping that come Friday he is still here.‘We want him to get back playing for us. He came with us for pre- season and we still see him at training every day.More: FootballBruno Fernandes responds to Man Utd bust-up rumours with Ole Gunnar SolskjaerNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira moves‘But considering how long the talk about Arsenal has gone on, I think he’s handled it really well. KT is still only 22, so he’s coped well.‘Every day there seems to be something new in the story.‘But he’s just keeping himself to himself and working hard. That’s credit to him.’MORE: Romelu Lukaku unhappy with Ole Gunnar Solskjaer over Paul Pogba handling and Mason Greenwood claims Arsenal identified Tierney as their top left-back target at the start of the summer (Picture: Getty)Tierney is yet to return to pre-season training after undergoing a double hernia operation, but Lennon is confident the Scot will be back playing again before the end of the month.‘He’ll be fit in a week or two. He still has some abductor pain, but I think the pubic problem is starting to settle and he’s over the double hernia,’ he said.‘I know there is talk of him being out for another eight weeks, but that’s nonsense. I don’t know where that’s come from.‘He’s missed the whole of pre-season, but I’d say he’s more or less a week away from getting back integrated to the training.‘Add another week or ten days on top of that before he’s ready to play.’ Celtic boss Neil Lennon predicts Arsenal will make last-ditch bid for Kieran Tierney Metro Sport ReporterWednesday 7 Aug 2019 9:41 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link902Shares Comment Advertisement Advertisement Arsenal are likely to make another bid for Kieran Tierney, claims Celtic boss Neil Lennon (Picture: Getty)Celtic boss Neil Lennon admits he would be ‘surprised’ if Arsenal don’t make another bid to sign Kieran Tierney before Thursday’s transfer deadline.Unai Emery made Tierney his priority left-back target at the start of the summer, but the Gunners were unsuccessful with their two opening offers for the 22-year-old Celtic left-back.Last month, there were reports that Arsenal were confident of agreeing deal for Tierney after restructuring an offer of £25million for the Scotland international.However, the north London club appear to have stalled in their talks for Tierney, which has come as a shock to Lennon with just hours remaining of the transfer window.AdvertisementAdvertisementADVERTISEMENTMore: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityThe Celtic manager, though, believes Arsenal are likely to make last-ditch attempt at signing the full-back.‘We were talking about it on the plane over here as it’s all gone a bit quiet, which is surprising for me,’ Lennon said ahead of Celtic’s Champions League clash with Cluj.‘I know these deals can get done at a minute to twelve.‘I’d be surprised if there wasn’t another offer for Kieran, but delighted.’
Environmental and corporate governance campaigners have welcomed the release last week by the International Accounting Standards Board (IASB) of a briefing note addressing the topic of climate change.The 12-page document, authored by board member Nick Anderson, addresses the relevance of International Financial Reporting Standards (IFRS) to climate-change issues.Anderson wrote: “While climate-change risks and other emerging risks are not covered explicitly by IFRS Standards, the Standards do address issues that relate to them.”Daniel Wiseman, a lawyer with campaigners ClientEarth, said the group welcomed the move. “Because of investors’ clear demands, it is now beyond doubt that the financial impacts of climate change will be material for the vast majority of large companies,” he said.“Directors, accountants and auditors who fail to realise this are now at serious risk of breaching the law,” he continued.“This update from the IASB sends a clear signal that companies and their auditors must urgently review how climate change risks and impacts will affect disclosures in financial accounts.”Meanwhile, Natasha Landell-Mills, head of stewardship at Sarasin and Partners, said the IASB “should be commended” for the move. Natasha Landell-Mills, head of stewardship at Sarasin and PartnersShe said: “This is a vital step in ensuring financial flows are aligned with the Paris Agreement’s goals of keeping global warming well below 2°C, with an aim of 1.5°C.”She added that directors must regard whether investors ”could reasonably expect that emerging risks, including climate-related risks, could affect the amounts and disclosures reported in the financial statements”.In the UK, the Financial Reporting Council has warned both companies and auditors that it intends to:- scrutinise how companies are complying with statutory disclosure requirements in the strategic report and also whether they are accounting in the financial statements for the implications of climate change; and- consider whether auditors have placed sufficient emphasis in their examination of a company’s main risk disclosures such as climate change and its financial implications.The IASB hopes its briefing document on environmental reporting will assist companies to make materiality judgements when they are drawing up their IFRS financial statements.In summary, the document:- provides an overview of materiality;- presents a four-step framework for assessing materiality; and- provides more detailed guidance on assessing materiality in circumstances where the exercise of judgement could be challenging.The IASB also issued its IFRS Practice Statement 2: Making Materiality Judgements (Practice Statement) on 14 September this year.In an introduction to the statement, the IASB noted, however, that it is both “non-mandatory” and that it does not “change or introduce any requirements in IFRS Standards”.In addition, the board added that “companies are not required to comply with it to state compliance with IFRS Standards”.Within the European Union, listed entities are required to prepare their financial statements in accordance with IFRS.However, the EU’s endorsement mechanism does not apply to non-authoritative material such as the Basis for Conclusions that accompanies each individual IFRS, nor to non-mandatory guidance such as a so-called practice statement.Separately, asset manager Sarasin has revealed it plans to contact individual company audit committee chairs and lead audit partners setting out how the firm expects firms to address climate-change reporting in their 2019 annual reports and accounts.Earlier this year, Sarasin contacted each of the big four audit giants urging them to “test critical accounting judgments against credible economic scenarios that are consistent with the Paris Climate Agreement [of 2016]”.The letter added that auditors must “challenge overly aggressive assumptions by management, and also to make sure that climate-change related factors are addressed appropriately in the risk and viability sections of the strategic report”.
Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 2:12Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -2:12 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD432p432p288p288p180p180pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreen3401-483 Adelaide Street Brisbane City02:12THE two-storey penthouse of one of the most exclusive buildings in Queensland has hit the market, and it even has its own pool looking over the city.The luxury 445 sqm home is spread across two floors in Brisbane City’s highly exclusive Macrossan Residences — a building where every level, from the sixth floor to the 34th, contained a single apartment. “The plan is really intelligent. There’s really appropriate segregation of spaces, the double height ceiling and glass really springs the view into the area. “Sometimes as a compromise for high end buyers, they have to buy into very dense buildings but in the Macrossan Residences from level 6 to 34 they’re all whole floor apartments. It’s very exclusive.” “The owner’s instructed me to entertain offers beforehand,” Mr White said.“This is truly an unrepeatable opportunity, providing security, innovation and the very best lifestyle options Brisbane has to offer right at your door.” FOLLOW SOPHIE FOSTER ON FACEBOOK The apartment’s pool on its top floor comes off the entertainment space. The view from one of the balconies in the whole floor twin-storey unit. The penthouse has 270 degree views across the Brisbane River and the city, with six metre ceilings and walls of glass, as well as its own pool on an open air balcony, a large entertainment space, an office and guest quarters. Good view from the penthouse of the Brisbane River and The Marriot when Barack Obama was hosted during the G20 summit.The property is open for a half-hour inspection from 5:30pm on Tuesday and 11am on Saturday, and has been set to go to auction on Thursday September 27 at 6pm unless sold prior. Agent Ben White of Place New Farm was blown away when he got his first look at the sky home at 3401/483 Adelaide Street Brisbane City.“It is the best penthouse in the market. I’ve been working in that area for 20 years and this one really does stand out,” he said. Stairs and a lift go to the second floor of the penthouse. It’s only ever been owned by Brisbane businessman Peter Kardash, a man who survived 18 years in the video hire industry to bounce back making millions as a Telstra licensee. Mr Kardash has already left the building, retiring to Noosa.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 Great spot for a barbecue. The property goes to auction on Thursday September 27 at 6pm unless sold prior. The entertainment space set up for pool. The building has whole floor apartments from level 6 to 34. Luxury lodge Queensland’s hottest house Big-money market braced for bumper sales It also has over $50,000 worth of remote blinds, CBUS intelligent lighting, two large storage areas, a temperature controlled wine cellar and, importantly for the CBD area, four designated car spaces.
Share Tweet Share HealthInternationalLifestylePrint Smoking weakens a gene that protects arteries — study by: Associated Free Press – May 2, 2017 WASHINGTON, United States (AFP) — People who smoke cigarettes may boost their risk of clogged heart arteries by weakening a gene that is otherwise protective of these important blood vessels, US researchers said Monday.The findings point to a genetic explanation for how smoking can lead to the plaque buildup that stiffens arteries and causes heart disease, said the report in the journal Circulation.“This has been one of the first big steps towards solving the complex puzzle of gene-environment interactions that lead to coronary heart disease,” said co-author Danish Saleheen, assistant professor of biostatistics and epidemiology at the Perelman School of Medicine at the University of Pennsylvania.Researchers pooled genetic data on more than 140,000 people from more than two dozen earlier studies, with a particular focus on regions of the genome that have been previously associated with a higher risk of plaque buildup in the heart’s arteries.“A change in a single DNA ‘letter’ on chromosome 15, near the gene that expresses an enzyme (ADAMTS7) produced in blood vessels, was associated with a 12 per cent reduction in heart risk in nonsmokers,” said the report.“However, smokers with this same variation had only a five per cent lower risk of coronary heart disease — reducing by over half the protective effect of this genetic variation.”Follow-up lab studies showed that in cells that line arteries of the human heart, the production of the enzyme ADAMTS7 dropped significantly when the cells contained this single-letter DNA variant. Another experiment showed when coronary artery-lining cells were exposed to the liquid extract of cigarette smoke, the cells’ production of ADAMTS7 more than doubled.If researchers can find other ways to inhibit this enzyme, they might be able to help smokers and others at heightened risk of coronary heart disease, said co-author Muredach Reilly, director of the Irving Institute for Clinical and Translational Research at Columbia University Medical Center. Cigarette smoking is known to cause about one in five cases of coronary heart disease, and is linked to approximately 1.6 million deaths worldwide each year.“Through these large-scale genetic studies, we’re beginning to understand the genetic variations that drive risk in response to certain environmental exposures or lifestyle behaviours,” said Reilly.“Not everyone reacts the same to the same exposures or behaviours. For example, some people who don’t exercise develop diabetes while others do not,” he added.“So, instead of saying there are rules for everybody, we can specify which interventions will be especially beneficial for specific populations or individuals and focus our health resources more efficiently.” Share Sharing is caring! 19 Views no discussions
Sharing is caring! Share Share LocalNews Felix Prosper to testify in dual citizenship trial tomorrow by: – September 28, 2011 22 Views no discussions Tweet Share Senior Counsel Douglas MendesThe dual citizenship trial involving the Prime Minister of Dominica Honourable Roosevelt Skerrit, Minister of Education Honourable Petter St. Jean, Member of Parliament for the La Plaine Constituency Honourable Ronald Green and Maynard Joseph, is scheduled to continue tomorrow morning at the High Court of Justice when Felix Prosper will take the witness stand.At the end of the trial Justice Gertel Thom will determine whether Mr Skerrit and Mr St. Jean were holders of French citizenship at the time of their nomination as candidates for general election in December of 2009. When Court resumes tomorrow Senior Counsel Mendes; lead counsel for the Petitioners, is expected to call Felix Prosper of La Plaine to the witness stand. Mr Prosper is employed as a seaman with the Royal Caribbean Cruise Lines and has been given time from his employer to return home and testify.On the 15th day of September, 2011 Justice Thom ordered that written submissions with authorities be filed in the Court no later than 12 pm on the 28th day of September, 2011 by both legal teams.Justice Thom further ruled that oral submissions will be heard on the 3rd and 4th of October, 2011, by which time Mr Prosper would have testified and be cross-examined by the Defense team.Court will resume from 9am tomorrow morning.Dominica Vibes News
Tweet 21 Views one comment Sharing is caring! Share Roseau Primary students Christmas came early for the students of the Roseau Primary School when LIME came bearing gifts and goodies for a Christmas Party of a Lifetime on Wednesday afternoon at the school’s premises. In early September, LIME formerly announced its adoption of the school. One of the promises made was to assist with a financial contribution on a yearly basis towards the school’s Christmas party. However LIME’s General Manager Jeffrey Baptiste decided that his team would plan and execute the party as opposed to simply making a contribution. With eats and drinks in abundance, bouncing castles, games, music, and LIME’s staff and Roseau Primary School teachers at their service, the students enjoyed every moment of the afternoon Christmas Party delight. MC Felix Henderson added a special touch with his unique style of entertaining from jumping in the Bouncing Castle with the kids to singing along Christmas tunes and joining in the fun of musical chairs. [Mention must be made of the generosity of LIME’s employees who contributed their personal funds to the purchasing of gifts for the over one hundred and forty students making up the school population. Assistance also came from the LIME Sports and Social club towards the staging of the party. LIME’s General Manager Jeffrey Baptiste said LIME is committed to keeping the promises made to the school as its adoptive parent. “We wanted to give the students of our adopted school an opportunity to enjoy a wonderful Christmas Party and to ensure that every child receive a gift this Christmas’ said the LIME GM. “Christmas is for children and this may be the only gift that some of them may receive and we are happy to be there to ensure that they enjoy this special time of year when children look forward to opening presents”. School Principal Gretta Roberts described the party as one of the best ever and expressed gratitude to LIME for creating the opportunity for her students to have fun and to experience the joy of the season through the party and all the beautiful gifts provided. Press Release Share Share LocalNews LIME hosts Christmas Party for its Adopted School by: – December 16, 2011
Tuesday storms caused minor damage including lightning striking at tree at Liberty Park.A flash flood watch and advisory has been issued for much of the area until 4 p.m. Tuesday.Those driving near creeks, streams, drainage ditches and low lying streets should keep an eye out for minor flooding.The storms caused some minor damage around the area including lightning striking a tree at Liberty Park.Showers are moving through the region this morning and into the afternoon hours. Some storms are capable of producing heavy rainfall.The high temperature today will reach the low 80’’s and there is a chance of rain tonight.