…and do this crap instead. It’s all the rage!READ: Desk Safari Morphs Bored Coworkers Into Wild Animals Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York
44SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Millennials are increasingly walking away from big banks, taking their business to smaller, local financial institutions (FIs).According to a recent banking survey from Accenture, large national and regional banks lost 16 percent of their Millennial banking customers in 2014 while community banks saw a 5 percent increase in young account holders. Credit unions experienced a 3 percent jump in Millennial membership.The survey concludes a Millennial’s decision to leave a big bank typically comes down to fees. Larger FIs often charge consumers more for overdrafts, ATM withdrawals, account maintenance and other services than community FIs. A recent MoneyRates.com survey found big bank fees averaged $15.15 per month compared to $11.51 at smaller FIs.Large banks were also less likely to offer free checking, which many Millennials consider a perk. Seventeen percent of big banks offered this perk, compared to 31 percent of community FIs.Millennials polled also said big banks tend to have weaker loyalty rewards programs. Finding a more substantial rewards program at another FI could cause Millennial consumers to jump ship. continue reading »
4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Scenario One: You’re standing in line and strike up a conversation with the gal in front of you, Anne. You share that your deepest desire is to become a proficient hiker. As you’re waiting for your order, Anne offers you two choices: would you rather have advice on local hiking trails or $100? Which option do you take? Most likely you would select the $100. After all, Anne is a complete stranger.Scenario Two: You have had several conversations with Anne over the course of several weeks and find out that Anne is an avid, experienced, and expert mountaineer. Again she offers you two options: professional hiking advice or $100. Now which alternative do you take? While $100 is still attractive, I would bet that you would think twice about the decision.What is the difference? The difference is the personal rapport the two of you have built over several conversations about hiking. What would happen if credit unions were able to keenly focus on building personal relationships that foster trust, support, and consistent reliability within their community by relating to one person at a time? What kind of impact would we, as an industry, have over our competitors? continue reading »
• For your safety, all visitors will follow a linear path through the zoo. The following areas and exhibits will not be visible until a later date: African Waters, New World Tropics, red-necked wallaby, Wolf Woods (wolves visible on upper path), Arctic fox. • All guests over the age of two will be required to bring and wear a mask or face covering, unless doing so is contrary to their health/safety due to a medical condition. Likewise, all Ross Park Zoo staff will be wearing masks to protect you as well. The Zoo will be following guidelines set forth by New York State: Admission hours will be from 10 a.m. to 4 p.m. The zoo will close at 5 p.m. Capacity will be monitored. • The Leopard’s Spot Snack Shack will NOT be open until a later date. Snacks and drinks will be available for purchase at the admission booth and Zoovenirs Gift Shop. • The Zoovenirs Gift Shop will be open for limited capacity shopping. Guests may avoid walking through the gift shop when they exit by leaving through our old entry gate. BINGHAMTON (WBNG)-Ross Park Zoo is set to reopen June 29 to July 1 for members only and July 2 for the public. • Maintain CDC suggested social distancing of at least 6 feet between visitor groups. Signage and pavement decals have been installed to help remind our visitors. The Ross Park Zoo is located at 60 Morgan Road in Binghamton.
JOHNSON CITY (WBNG) — Two Rivers Church in Johnson City held a food giveaway Sunday, where they planned to give out 800 bags of groceries to local families in need. Partnering with Convoy of Hope, the church prepared enough food bags to give four-hundred families two bags each. Lead Pastor Will Hampton says with the pandemic leaving more local families in need of a good meal, it was just their way of lending a helping hand. “There are many things that we can do to step up and be a community and as the community pulls together it brings health and a lot of people who are hurting into a place where they can receive healing,” he said. Pastor Hampton says they gave away five hundred bags last week, and plan to hold another giveaway next weekend, held in conjunction with giveaways at their other locations in Ithaca, Corning and Cortland.
Charles H. Calisher, a former viral disease moderator on ProMED-mail, wrote in a ProMED post yesterday that scientists are eager to learn if the arenavirus that caused the recent infections represents a new type or a variant of a previously recognized arenavirus. Calisher is a professor in the Department of Microbiology, Immunology, and Pathology at Colorado State University in Ft Collins. Oct 13, 2008 (CIDRAP News) – The World Health Organization (WHO) said today that preliminary tests indicate that an arenavirus—possibly a previously unknown one—is responsible for the mysterious febrile disease that killed three people in South Africa and has now sickened a fourth. Further testing to better characterize the arenavirus is underway at the NICD and the CDC, the WHO statement said. Lucille Blumberg, head of the NICD’s epidemiology and outbreak response unit, said it remains to be learned whether the virus is a previously unrecognized member of the arenaviruses, according to the Mercury report. Arenaviruses are typically spread to humans through contact with urine or feces of infected host animals, such as eating contaminated food or contact with abraded skin. Lassa and Machupo arenaviruses have been associated with secondary person-to-person or nosocomial infections, typically through direct contact with blood or other secretions, according to the CDC. Members of the arenavirus family are associated with rodent-transmitted diseases in humans, and a number of them can cause hemorrhagic fevers, according to information from the CDC’s Special Pathogens Branch. An earlier WHO statement said the patients who died had some symptoms that suggested a viral hemorrhagic fever (VHF), but bleeding was not a marked clinical feature. See also: CDC fact sheet on arenaviruses The tests were conducted at South Africa’s National Institute for Communicable Diseases (NICD) and at the US Centers for Disease Control and Prevention (CDC), the WHO announced in a statement today. The nurse has a febrile illness and thrombocytopenia, according to Blumberg, who commented on the case today in a post on ProMED-mail, the online reporting system of the International Society for Infectious Diseases. She said the patient is being treated with ribavirin, a drug that is effective against Lassa fever but has unknown efficacy for the current arenavirus. Blumberg, in her ProMED post today, commented that arenaviruses have been found in South African rodents in the past, but they have not been known to cause disease in humans. Members of the arenavirus family are divided into two groups—Old World and New World—depending on the mouse reservoir species. Five arenaviruses have been known to cause disease in humans. Four of them are primarily limited to South America, and one, Lassa virus, is found in much of West Africa, according to the CDC. Oct 13 WHO statement Janusz T. Paweska, who heads the NICD’s special pathogens unit, said the tests were done on skin, liver, and muscle tissue from two healthcare workers who died after they had contact with the index patient, according to a report yesterday from The Mercury, a newspaper based in Durban, South Africa. He said tests on blood samples from the index patient, a woman from Zambia who got sick while on a safari and died in a Johannesburg hospital on Sep 14, also detected the virus. (A previous report from the NICD said no samples from the patient had been available.) The latest confirmed case in the cluster is in a nurse who became ill after close contact with one of the earlier victims. The WHO said the nurse’s infection was confirmed by polymerase chain reaction (PCR) testing in South Africa. The patient has been hospitalized, and authorities have identified and are monitoring her contacts. CIDRAP overview on viral hemorrhagic fevers
Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.
Kane marked his injury return with a goal but was ultimately on the losing side (Getty)Spurs dominated the match for large spells – with Tom Heaton attempting the most passes (16) of any Burnley player in a forgettable first half – but went behind shortly after the restart.AdvertisementAdvertisementADVERTISEMENTA corner kick rather controversially awarded to Burnley was whipped in by Dwight McNeil and Chris Wood out-jumped Spurs’ static defence to plant the ball in via the underside of the crossbar.More: 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 CityBut Spurs responded immediately, with Danny Rose taking a quick throw-in by the halfway line and releasing Kane, who held off his marker and poked the ball into the far corner.Burnley boss Sean Dyche was fuming, though, claiming that Rose had not taken the throw-in from the appropriate spot, stealing a couple of yards before finding Kane. Advertisement Sean Dyche’s side are now unbeaten in their last eight games (Picture: Getty)Tottenham Hotspur blew the chance to move within two points of the Premier League summit after suffering a 2-1 defeat to Burnley on Saturday afternoon.The title has long seemed a two-horse race, but Spurs had the opportunity to put themselves right back in contention with Liverpool travelling to Old Trafford and Manchester City in action in the Carabao Cup final on Sunday.But despite the goalscoring return of Harry Kane to the starting XI after his injury lay-off with ankle ligament damage, the north Londoners were frustrated at Turf Moor. Comment Barnes struck late on to secure all three points for Burnley and dent Spurs’ hopes (Getty)Spurs continued to enjoy plenty of possession (ending the match with 69%) as they looked for a winner, though without ever really testing Heaton, and were undone by a scrappy goal from the hosts.A long ball forward was badly cleared by Serge Aurier, with Johann Gudmundsson picking up the scraps, and his scuffed shot turned into the perfect cross for Ashley Barnes to tap in the winner.The result sees Burnley move up to 13th place in the Premier League table, six points clear of the relegation zone, while Spurs now face testing back-to-back matches against top-four rivals Chelsea and Arsenal and remain five points adrift of the league leaders.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal Metro Sport ReporterSaturday 23 Feb 2019 2:29 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link68Shares Tottenham’s title bid ends before it begins – again – as Burnley pull off upset Advertisement
REIQ CEO Antonia Mercorella Joint tenants v tenants in common If done right, co-purchasing a property can open up several opportunities, including the opportunity to buy in a more desirable suburb due to a combined borrowing power, to save the 20 per cent deposit faster and without as much personal sacrifice and to share the household expenses. On the market for $418,000, this property at 250 High St, Gulliver, in Townsville, has two cottages, ideal for dual living.But Ms Mercorella said it can be a legal minefield if things go wrong. “Even though on day one all parties may have commonly shared objectives, things can and do change. For this reason, a co-ownership agreement is a must,” she said. “This type of agreement outlines the rights and obligations of each party with a share in the property. If a dispute or an unplanned situation arises, it can be a godsend, saving you from costly legal bills and unnecessary heartache and stress.” Co-ownership agreements should be prepared by a solicitor taking into account the individual needs and wants of the parties, according to the REIQ.“If you go in with your eyes wide open, co-ownership can be a great option for those who can’t get into the market individually,” Ms Mercorella said. “Just remember to choose your co-purchaser carefully, and always seek legal advice.” Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 1:06Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:06 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, 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 Rate1xFullscreenHelp with buying your first home 01:07Although most people aspire to own their own home, the great Australian dream may be out of reach for some. But if you’re prepared to team up with a close friend, colleague, relative or partner, co-ownership could be one way to get your foot on the property ladder.And plenty of savvy sellers are pitching properties designed for “dual living”.Real Estate Institute of Queensland CEO Antonia Mercorella talks about co-ownership and how to overcome the risks, warning it is essential to get legal advice before taking the plunge. MORE NEWS: How to decipher Tinder-style property listings When buying a property with other people, you’ll need to determine the right ownership structure – there are two main options, joint tenants and tenants in common. “There are important differences between these ownership options and legal advice should be sought before determining the best way forward,” Ms Mercorella said. “Joint tenancy is most commonly used by couples and people in longer term relationships.“Under this form of ownership, all joint tenants have equal ownership and interest in the property. “A right of survivorship also attaches to this form of ownership meaning that if one of the joint tenants die, the property will automatically pass to the surviving joint tenant, irrespective of any provisions in the will of the deceased.”Tenancy in common differs in that each person owns their own share of the property in equal or differing sizes, so it’s a good option if you’re purchasing with someone other than your spouse, or if you and your partner have children from a previous relationship to whom you wish to leave your assets in your will. “For example, if party A and B have each contributed $250,000 to the price of the property but party C has contributed $500,000, then parties A and B would each own a 25 per cent share and party C would own a 50 per cent share,” Ms Mercorella said. This house at 17 Edmondstone St in Newmarket was snapped up within days. The current owners live downstairs and upstairs is currently rented for $515 a week.More from newsParks and wildlife the new lust-haves post coronavirus11 hours agoNoosa’s best beachfront penthouse is about to hit the market11 hours ago The benefits of co-purchasing What NOT to do when it comes time to sell Fees, stamp duty up to $100k ‘absurd’: McGrath Report
Jackson, who was back in action for his club after being dropped from Ireland’s bench, touched down twice in the first half and Tommy Bowe and Tom Court also scored tries, while Ruan Pienaar kicked three conversions but then suffered an arm injury which could be a major worry for the Ulstermen. The result bolstered Ulster’s third-place spot in the RaboDirect Pro 12 and they would have been boosted by the return of Stephen Ferris, who made an impressive return following a long lay-off with injury when sprung from the bench on the hour mark for his first appearance since November 2012. Paddy Jackson scored two tries as Ulster racked up a second consecutive bonus-point win at Ravenhill against Welsh opposition with a 26-13 victory over Scarlets. Scarlets, whose points on Friday night came from Gareth Davies’ try and Olly Barkley’s conversion and two penalties, still have play-off hopes despite the defeat. Ulster – who beat Newport Gwent Dragons last time out – struck first in the 14th minute when Jackson kicked through and gratefully collected to score after Aled Thomas failed to pick the bounce of the ball. Pienaar converted and did so three minutes later when, off a lineout, Jackson broke and fed inside for Bowe to touch down under the posts. Barkley then landed a 31st-minute penalty to get the Scarlets going after Roger Wilson, making his 150th Ulster appearance, was penalised at the breakdown. But Ulster immediately hit back as this time Bowe created Jackson’s second try from a searing break and pass inside against the grain to put the fly-half under the posts. Pienaar converted and at 21-3 the home side looked comfortable before Scarlets responded when Davies won a kick and chase from the Ulster 22, with Barkley converting. The score remained 21-10 at half-time after Barkley missed a 40th-minute penalty effort. The first 10 minutes of the second half saw the Scarlets put some good approach work together only to lose the ball on the line after a half break from Jordan Williams was snuffed out by Robbie Diack. Ulster survived and broke out to get a 50th-minute penalty chance but Pienaar hit it wide, and he did so again later on from a more difficult angle. The Scarlets then had their turn, winning a penalty off a scrum, and Barkley made no mistake to close the gap to eight points after 62 minutes – just before Ferris made his long-awaited comeback, having battled with an ankle injury for over a year. And though the flanker certainly made his presence felt, Ulster were unable to get over the Scarlets line until the last minute when, with tempers flaring, Tom Court barrelled over and was awarded the score by the TMO. Jackson – kicking in place of the departed Pienaar – failed to convert the valuable bonus-point try. Press Association