French photographer shot in the thigh

first_img August 23, 2011 – Updated on January 20, 2016 French photographer shot in the thigh Alvaro Canovas, a French photographer working for Paris Match, was shot in the thigh while covering the rebel assault on Tripoli. News Organisation center_img RSF_en Help by sharing this informationlast_img

Member-centric overdraft solutions

first_img 87SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Kari Anne Arnosk Kari Anne Arnosk is Director of Debit Consulting at Advisors Plus where she works with credit union clients to create the most effective strategies for maximizing their checking and debit … Web: advisorsplus.com Details Credit unions have long prided themselves on their mission to provide the highest quality offerings to their members. Nowhere has this philosophy been more clear-cut than in credit unions’ commitment to maintain lower fees as compared to the much higher penalties typically imposed by larger, national financial institutions.Lower overdraft fees have been a source of member-centric differentiation in recent years. Credit unions have led the financial services industry in providing their members with a variety of choices regarding their overdraft solutions, from Courtesy Pay (opt-in), overdraft lines of credit, transfers from savings, and transfers from credit cards. Members can typically select one or all of these services while also having the option to “opt-out” from all of them. This past fall, the Consumer Financial Protection Bureau (CFPB) signaled its intention to once again pursue Overdraft Prerule 3170-AA42 on the list of regulations it intends to target in 2017. These proposed changes take a one-size-fits-all approach by including credit unions in the mix of banks. The entire industry, however, should be vigilant in protecting credit unions’ abilities to provide overdraft services to members. Credit union trade associations like CUNA and NAFCU are working diligently to minimize any future regulatory burdens imposed by the CFPB so that credit unions can continue to offer value-added overdraft programs to their members. Vital to that effort will be helping the CFPB understand how — and to what degree — credit unions differ from other financial institutions in the philosophy behind their current overdraft procedures, policies and fee structures. Four forward-looking actionable steps credit unions can initiate to serve their members even more effectively through flexible, member-friendly overdraft programs include:Position your overdraft program as a value-added solution: In all external communications — as well as in-house strategic thinking — communicate the mindset that your overdraft program is another valuable component of your credit union’s overall checking continuum. To that end, review current overdraft policies, disclosures and opt-in agreements for clarity, completeness and user-friendliness. Make sure your website has easy-to-locate, dedicated pages that explain your credit union’s overdraft program, including how it works, how to opt-in or out, and the fees associated with your policies, all reinforced by readily accessible FAQs. In addition:Make the same information available at your branches, contact center and website, on both desktop and mobile.Provide your members with contact information and phone numbers to use when they have questions.Train your member-facing staff to have a thorough understanding of your overdraft programs and how they work.Clearly disclose the features of your overdraft program: The CFPB recommends that financial institutions “provide account holders with clear, comprehensive terms and pricing information for all available overdraft options.”This translates to spelling out the features of your overdraft program in comprehensive but simple ways. Taking the lead in helping members understand your credit union’s overdraft policies may also result in the additional benefit of helping protect your credit union from potential legal action that could stem from the CFPB’s aggressive prosecution of institutions whose policies it thinks contain unclear or misleading overdraft information.Utilize the Pew Charitable Trusts’ Model Disclosure Box for Checking Accounts: One of the simplest ways to guarantee clarity for your members is to consider utilizing the Pew disclosure box format.   Pew’s sample creates a one-page summary of the fees associated with checking accounts that includes overdraft options for consumers with debit cards, card processing policies in place and a dispute resolution agreement. It is already approved by Pew and the CFPB, making it a no-brainer for most of the banks and a handful of credit unions that have already adopted it.Contact members if they are overdrawn: Another way credit unions can help members minimize overdraft fees is by personally contacting them if they are overdrawn, especially if it has been longer than a few days. Your member may be chagrinned at first, but will likely be grateful that you have taken the time to call a one-time error to their attention. However, it is equally important to reach out to continuously “heavy overdrafters” to understand what is causing their situation. This group is also likely to be pleased by the individual attention, and the discussion may create an opportunity to educate these members on other options to help them better manage their checking accounts.Personally working with members who may need alternative solutions and ensuring the credit union industry remains committed to monitoring and managing its programs with members’ best financial interests at heart will ultimately provide relief and support. Credit unions can serve as educators and role models for the industry by making proactive changes to provide transparency and clarity of their overdraft programs.last_img read more

MMHE net loss deepens

first_imgLNG carrier repair specialist Malaysia Marine and Heavy Engineering (MMHE) reported a deeper loss during the second quarter of 2017. The company’s net loss reached RM 13.7 million ($3.2 million) during the second quarter, dropping from RM 2.6 million in the corresponding quarter in 2016.The group’s revenue of RM257.3 million was 13 percent lower than RM297.4 million in the corresponding quarter with operating loss widening to RM10.3 million from RM0.5 million loss in the corresponding quarter, according to the company’s report.The marine sector, however, saw a 25 percent increase in revenue to RM99.3 million despite lower LNG vessels repair, MMHE, the unit of Malaysia Marine and Heavy Engineering Holdings (MHB), said in its statement.The losses deepened during the first six months of 2017 to RM31 million from RM 6.1 million in the first six months of 2016.The group’s revenue of RM493.1 million was 11 percent lower than RM 554.2 million in the corresponding 6 months period, mainly due to lower revenue in Heavy Engineering from completion of some offshore projects in the current period.The lower value of LNG vessel repairs, impacted the group’s first half revenue, declining 9.1 percent to RM 257.3 million.1 RM = 0.233620 USDlast_img read more

How to Close the Gender Gap in STEM Patenting

first_imgBrad AndersonEditor In Chief at ReadWrite Follow the Puck A lack of diversity among product design teams has negatively impacted the experience women have with countless products. For instance, when seat belts were created, they were designed with the average man in mind. As a result, studies have shown that seat-belted women are 47 percent more likely to be seriously injured than seat-belted men in car crashes.The effects of this lack of diversity in the science, technology, engineering, and mathematics (STEM) fields goes beyond the design of products, however. Women are less likely to participate in STEM to begin with, much less patent and commercialize their inventions. Of all patent holders, only 10 percent are women.Organizations across the country are trying to change this dynamic by creating programs designed to increase diversity in innovation, entrepreneurship, and patenting. The Institute for Women’s Policy Research, in conjunction with Qualcomm, recently issued a report on seven such organizations that can act as resources and inspirations for newer programs.One program included in the research, BioSTL, connects women, minority, and immigrant innovators with resources and people who can help them commercialize innovations related to bioscience tech industry. Dr. Cheryl Watkins-Moore, director of bioscience and entrepreneurial inclusion at BioSTL, says moves toward inclusive and equitable entrepreneurship will be a major trend this year, “ensuring that all that want to participate in entrepreneurship and have great ideas [and] technologies are supported, mentored, and funded equitably.” Here’s what women and underrepresented entrepreneurs can learn from this recent research about ways to move their innovative ideas forward:1. Find experts to work with you one-on-one.The Accelerating Women and underRepresented Entrepreneurs (AWARE) program has found success in having an Entrepreneur in Residence work with program participants individually on the patenting and commercialization process. Working one-on-one with each member, the EIR acts as a mentor and helps would-be entrepreneurs access important resources. Mentorship can mean the difference between success and failure for many businesses — in fact, founders that have been mentored by top-performing business executives are three times more likely to eventually have top-performing businesses themselves.        But it’s not just about mentorship. Startups often make costly, potentially damaging legal mistakes when they’re just beginning, such as not complying with securities laws or ignoring intellectual property protection. You need to work with experts in business law, HR, and finance to ensure you’re establishing your business on a solid footing.2. Engage in hands-on learning. Being a lifelong learner is an important quality for STEM entrepreneurs and professionals. It allows you to keep a finger on the pulse of the marketplace, stay ahead of automation at work, and even reduce stress and slow cognitive decline. A study by Babson College reveals that experiential learning helps newer and future entrepreneurs tap into both their creative and logical minds to be successful.Seek out opportunities for hands-on learning to reap these benefits. For instance, a 10-week program at the University of Florida, Empowering Women in Technology Startups (EWITS), helps women learn how to commercialize inventions. During the program, participants are split into groups and given the task of developing a business model for a real technology. With the guidance of an experienced businesswoman, each team builds a simulated company around the technology, ending with a pitch to a panel of female investors, who judge each proposal and provide feedback to all teams.3. Access federal research dollars.Researchers continue to assess the extent to which gender bias leads to disparities in federal funding across various STEM grant programs. One study concluded that a subconscious gender bias could be causing individuals reviewing National Institutes of Health grant renewal applications to hold women to higher standards than men, meaning women applicants don’t have the same continued funding opportunities as their male counterparts. Fortunately, several grants have been created specifically with women in mind in an effort to combat such disparities.For example, the U.S. Department of Energy’s (DOE) Small Business Innovation Research (SBIR)/Small Business Technology Transfer (STTR) Phase Assistance Program was created to work directly with women- and minority-owned small businesses to assist with applications for DOE SBIR/STTR Phase 1 awards. It acts to increase diversity by connecting applicants with mentors and other industry experts who can provide even more assistance to these budding entrepreneurs.Breaking into STEM fields is hard enough as it is, but when women and minorities have even more difficulty patenting and commercializing their inventions, we all lose. By addressing these inequities, we’re more likely to gain products that truly work for everyone. What it Takes to Build a Highly Secure FinTech … Why IoT Apps are Eating Device Interfaces Related Posts Brad is the editor overseeing contributed content at ReadWrite.com. He previously worked as an editor at PayPal and Crunchbase. You can reach him at brad at readwrite.com. Tags:#gender gap#Patents#stem#women in tech Trends Driving the Loyalty Marketing Industrylast_img read more

Depeche Mode To Release Series Of 55 Unique Big Bang Watches To

first_imgOne of the most influential, beloved and best-selling musical acts of all time, Depeche Mode have sold over 100 million records worldwide and have played to more than 30 million fans since their formation in 1981.Big Bang Depeche Mode The Singles Limited EditionAnd, in their 37 year career, Depeche Mode have released an incredible 55 singles, from “Dreaming of Me” in 1981 to last year’s release of “Cover Me”. In tribute to this incredible achievement, the Swiss watchmaker Hublot introduces a collection of 55 unique pieces of its Big Bang Unico model, all to benefit Hublot and Depeche Mode’s charity partner charity:water.“We are greatly honoured and moved by Hublot’s support of charity: water with this new collection of watches commemorating all of our singles,” said Martin Gore, Depeche Mode.“Depeche Mode are iconic in the history of contemporary music. We identify with their passion, stronger now than ever, and with their constantly growing creativity. We are lucky enough to share many values with them, including thecommitment to the activities of the charity: water NGO. This new and unique collection of 55 different pieces plays tribute to their incredible career while aptly celebrating our common ground. A new collector’s edition grew out of this!” added Ricardo Guadalupe, CEO of Hublot.The limited-edition series was announced at the Hublot boutique in Milan, Italy by Ricardo Guadalupe, CEO of Hublot watches, and Martin Gore of Depeche Mode.Each of the watches features, on its dial, a disc that partially shows the image of the record cover it represents. The back of each watch features the entire cover of the single as well as the charity: water logo. These two elements are imprinted on the sapphire of the glass opening onto the famous automatic UNICO movement. Produced by the Hublot manufacture, it provides a power reserve of 72 hours. Each piece will be fitted with a strap in a colour specific to each model, completed with cuff straps in the same hue, and rock-and-roll-inspired rubber studs.charity: water, based in New York City, is a non-profit organization whose mission is to bring clean and safe drinking water to people in developing countries worldwide. Depeche Mode and Hublot have actively supported charity: water since 2013, with their first partnership bringing safe, clean water to over 30,000 people in Nepal and Ethiopia.Net proceeds from the sale of the 55 unique pieces will go to charity: water, as part of the larger charity initiative between Depeche Mode, Hublot and charity: water.last_img read more

Need to build core group for next seasons Ashwin

first_imgMohali: Kings XI Punjab’s (KXIP) journey in the Indian Premier League (IPL) 2019 came to an end as the team could garner only six wins from 14 games and collect 12 points and skipper Ravichandran Ashwin felt his team needed to build a core group to keep going for the next few seasons. Despite being out of the play-offs race, Punjab ended the tournament on a winning note by defeating Chennai Super Kings by six wickets, thanks to opener KL Rahul’s 36-ball 71-run knock. Also Read – We will push hard for Kabaddi”s inclusion in 2024 Olympics: RijijuSpeaking at the post-match presentation, Ashwin said: “It was not easy for us. But we haven’t been outplayed much in many games, except against Sunrisers Hyderabad. We just have not been able to close out the humdingers.” “There are a few reasons. We didn’t close out games, particularly in the powerplay and middle overs. I feel when teams plan and come back to us, we need to respond properly. They (CSK) have played together for a long time. We haven’t qualified. We have to build a core group to keep going for the next few seasons. CSK has a fulcrum of how they go about things. It’s same with MI. SRH does it differently,” he remarked. Also Read – Djokovic to debut against Shapovalov at Shanghai MastersSpeaking about his plans for the team and auction for this year’s league, the off-spinner said most teams did well because they retained key players. “We have to look at that. We have to post a score that one can defend. Some of the best teams do that very consistently. Varun was a massive idea in the auction, so that we didn’t have to play a foreign spinner. Auctions are very unpredictable. Many teams have done well because they have retained about 5 players. I would like to bring forward the vision for the franchise,” he said.last_img read more

Football You let it hurt for a while Ohio State looking for

OSU sophomore offensive lineman Isaiah Prince (59) fights back tears after the Buckeyes 24-21 loss to Penn State on Oct. 22. Credit: Alexa Mavrogianis | Photo EditorAlthough the Ohio State football team has sustained losses to unranked opponents in previous years, the 24-21 loss on Saturday to the Penn State Nittany Lions is a tough one to take for fans. For players like freshman starting guard Michael Jordan and freshman defensive end Nick Bosa, the defeat is their first in their collegiate careers, but that isn’t necessarily a bad thing.Going through a tough loss early in a career can be a motivation for improving upon the mistakes. Presenting a young team against Virginia Tech in 2014, OSU suffered a potentially season-ruining loss to the Hokies.After starting the year 1-1, the Buckeyes responded with 13-straight wins by an average margin of victory of just over 26 points. A youthful team responded to adversity with open arms, allowing themselves to grow from the loss to a team deemed subpar to OSU.OSU coach Urban Meyer said on Monday that the loss is not season ending, and needs to be a lesson for the young members of the team.“Move forward,” he said. “Let it hurt for awhile.”The feeling of losing is new to more than one of the team members, but slip ups from the unit were expected. The fact the Buckeyes are still within the top 10, and have the chance to still make the playoffs with a team full of young players serves as a beacon of hope. Both veterans and underclassmen were visibly upset as they left the field. Sophomore right tackle Isaiah Prince was fighting back tears while walking off, along with redshirt senior center Pat Elflein, who spoke to the media with a heavy voice. A fifth-year player, Elflein has been through all five of Meyer’s loses while at OSU. Even though the loss stings, he said it is something the young members of the team need to experience and use to keep playoff hopes alive.“Something you don’t want to feel, but you got to remember that feeling,” Elflein said. “That’s what has got to power you through, that feeling right there. You never want to feel that again.”Unlike the team’s only loss of 2015, the Buckeyes dropped their first game of the year at the midway point. With time still left on the clock, OSU can easily regroup and get back on the right path.The youth of the team might have caused OSU problems, but can also help the team down the road. The team understood there would be growing pains, and there would be times the young players would need to step up when faced with a challenge. Against Oklahoma, most fans felt the team had it’s largest moment of growth. In retrospect, the loss to Penn State should serve as a coming of age moment for the Buckeyes.Redshirt junior guard Billy Price, who played against Penn State in 2014 in Beaver Stadium, said he understood the feelings the young players were going through. However, he said the youth of the team is not the problem.“We are young, we are young. There are a lot of young guys in there. They’re playing well,” Price said. “They have to play for us and they have to execute. If we don’t execute that’s where we have issues like this.”Rather than singling out the poor play of specific players, Price said the loss was on the team as a whole, and its inability to execute the gameplan to perfection. He, like other Buckeyes, said this is a growing moment.Like in 2014, the team will be attempting to regroup from a loss at the hands of a non-ranked opponent. But, the loss was expected in some regards, due to the young nature of the team. Just like two years ago when the team went on a rampage after losing, OSU will have to prove the legitimacy of the team by winning games in convincing fashion. And, just like the national championship season, young players and new starters will have to give it their all.And giving it all was a sentiment redshirt junior quarterback J.T. Barrett expressed explicitly on Monday. “We’re gonna find out what we’re made of,” he said. “I think that’s how you really see people. Anybody can be doing fine when we’re winning games, but when your back is against the wall, things are going against us, that shows your true character and true colors.” read more

Diego Simeone would never coach his son at Atletico

first_imgAtletico Madrid manager Diego Simeone confessed that he would never give his son Giovani a spot on his squad while he is the manager.After striker Giovanni Simeone’s first ever match for Argentina in a big match last week in which he scored a goal, the rumors about Atletico Madrid getting the player due to Diego Simeone’s desire to coach his son started spreading like wildfire. But this Monday the Argentine manager spoke about the possibility for the first time since his son started playing as a professional, he denied that Giovanni playing for Atletico under him in the near future was a possibility. Situations like this in which nepotism can become a very dangerous subject, are something that straight arrows like Diego Simeone will always try to avoid during their career. ‘Cholo’ has always been proud to play by the book, always living by the rules and never taking advantage of his position in any shape or form during his time as the manager for Atletico Madrid. Giovanni Simeone does look like the perfect fit for Atletico Madrid, he plays in a very similar manner to Diego Costa for example.#PartidazoSimeone https://t.co/juu15vNi0h— El Partidazo de COPE (@partidazocope) September 10, 2018Contrary to popular belief, Diego Simeone just confessed that he wouldn’t be on board with the idea of him coaching his son in any of his teams at such an early age. There were rumors that suggested that Diego Simeone desperately wanted to sign his son Giovanni, the striker has every single attribute that the boss looks for in his favorite type of striker as a potential signing for the Colchoneros. But contrary to what the general idea was about ‘Cholo’ having his son on the squad, he didn’t want this because he feels like it would be too complicated for the relationship given that he would be even more strict than he usually is with the rest of his pupils. The eldest Simeone recently spoke to Cadena Copa about many different topics, but he was very adamant to deny his son’s possible arrival to the Colchoneros and didn’t close the door for that chance but after he leaves the club.?️?Simeone en el Partidazo de COPE: “Griezmann este año fue sin ninguna duda el mejor jugador del mundo. Sin duda”#PartidazoSimeone pic.twitter.com/gA1KAvnjtl— El Partidazo de COPE (@partidazocope) September 10, 2018Gerard Pique, Neymar, BarcelonaLa Liga Betting: Match-day 4 Stuart Heath – September 14, 2019 Despite it being very early into La Liga season, both Barcelona and Real Madrid have had unprecedented starts to their campaigns. With this in…“Watching him play in the national team gives me chills. He knows exactly what we feel for the national team, he has it in his blood like me. I think he did a very good job but I don’t like talking about him from a father perspective, but I do like talking about him from a manager’s perspective. He is a lad who has all the characteristics to play for one of my teams, but I will unfortunately never bring him to Atletico while I manage the club. I don’t want to say never but… It’s very difficult having a son in the dressing room. It would be difficult for him, as well as the relationship… Maybe 5 or 6 years from now he becomes an even more important player than he is today, maybe we can discuss something. If he becomes an even bigger start and he plays for me it would be easier for everyone because he would be more protected. He is going through the stages of his career in the perfect manner. Maybe someday when I’m no longer the Atletico Manager, maybe then he could come and play here,” said Diego to Cadena Cope.#SelecciónMayor @Argentina comienza su entrenamiento en el centro deportivo de @NYCFC. pic.twitter.com/IDSZgKLBDu— Selección Argentina ?? (@Argentina) September 9, 2018Giovanni’s great performance for Argentina.Diego Simeone was incredibly proud after his son scored the first ever goal for the National Team, this was during the 3-0 victory against the Guatemala side last Thursday and he celebrated with a lot of excitement. This goal marks a great historic moment because there are not many Argentina players who can presume to have more than one generation playing for the National Team in history, Giovanni looks like he could potentially become a great player like his father but with very different abilities. Because as we all know, Diego Simeone was a defensive midfielder in every club he played and Giovanni is a striker with very different skills. It’s a bummer we are not going to see Diego Simeone coaching his son this early in his career, but we are confident that they will meet as manager and player down the line when the young striker becomes a world-class star.#SelecciónMayor Tras la victoria ante Guatemala, el técnico Lionel Scaloni y los jugadores dialogaron con los medios de comunicación ➡ https://t.co/eYublPG2Y3 pic.twitter.com/Rj33w6anpC— Selección Argentina ?? (@Argentina) September 8, 2018How long do you think Giovani will take to become manageable for Diego Simeone? Please share your opinion in the comment section down below.last_img read more