Web-based money companies

first_imgThese competitors may be worth watching when you’re formulating your CU’s strategic directionby Charlene Komar StoreyWeb-based companies that offer businesses and individuals access to funds run the gamut. Some are dedicated to these transactions, while others are in different fields but have seen the opportunities offered by leveraging the information they have on their customers.  Most dodge the cost and red tape of government regulations by avoiding traditional loan structures.  One thing they all seem to have in common is that they’re growing with astonishing speed.Here’s a summary of some Web-based “money companies” that your credit union might want to watch as you formulate strategy.Lending Club connects borrowers and investors, with more than $9 billion in loans funded. The company stresses that it doesn’t offer loans, but is simply a platform – it doesn’t have lenders, it has investors. Thus, loan regs don’t apply.Similarly, Prosper is a peer-to-peer lending marketplace, with more than 2 million members and over $2 billion in funded loans.Since the launch last September of PayPal Working Capital business loans (through lending partner WebBank), more than 20,000 U.S. businesses have collectively borrowed more than $150 million. Merchants can borrow up to 8 percent of their yearly revenue, up to $20,000, through the program. Borrowers choose what percentage of daily PayPal sales they’ll use to repay the loan. Loans have flat fees based on the amount borrowed, the repayment plan and a company’s PayPal sales history, according to CNN. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img

Maori women lead assault statistics

first_imgStuff co.nz 10 December 2014Maori women are more likely to become assault victims than other New Zealanders, police data shows.Recorded crime victim statistics, recently released by police, showed about one in five assault victims in the last four months was a Maori woman. Yet they make up just 7 per cent of the population.A family member, such as a partner, ex-partner, parent or sibling, was the most likely person to carry out the assault.The figures, previously only available to police and some policy makers, show the various permutations of crime and its victims.For Europeans, Asians and Indians, men were more likely to be assaulted than women, but for Pacific Islanders and Maori, women were more likely to be victims.Family violence rates for Pacific Islanders were almost double those of Europeans and Asians. Maori were not far behind.http://www.stuff.co.nz/the-press/news/63995633/Maori-women-lead-assault-statisticslast_img

Speed and Scoring

first_imgHave you seen the NCAA’s plan to improve scoring in basketball next year?  They have reduced the shot clock from 35 seconds to 30 seconds; increased the 3-foot circle under the basket to 4 feet; and reduced the number of time outs available to the coach in a game.  I think these will help somewhat, but I am not convinced that these 3 things are what is keeping scoring as low as it is.The easiest and quickest way to increase scoring is to allow the referees to call fouls.  They have let the game become so physical that it is almost impossible to get a shot off.  If the conferences and/or the NCAA would give referees permission to call fouls the same way they did 30 years ago, scoring would pick up.  When you hold a player, hit him in the arm as he shoots, or knock him to the floor, it is a foul.  Just watch a game and see how often they actually do call a foul–especially near the basket.  This doesn’t take a new rule.  It is just enforcing the one that is in the book!The one rule above that does make sense is the time out rule.  Time outs, especially in the last 10 minutes, increase the length of the game at least a half an hour.  Why should a player who is about to travel call a time out so he doesn’t make the violation?  This new rule is supposed to have addressed that.  We will see when the season begins this winter.last_img


first_imgVILLA (5-3-2)GUZAN,HUTTON, RICHARDS, LESCOTT, CLARK,DISSOKHO,VERETOUT, WESTWOOD, GANA,AGBONLAHOR, AYEWKANE,LAMELA, ALLI ERIKSEN,DIER, DEMBELE,ROSE, WIMMER, ALDERWEIRELD, WALKER,LLORISSPURS (4-2-3-1)Aston Villa have just 16 points from 29 games. Only two teams in Barclays Premier League history have had fewer than 16 points after 29 games (Sunderland in 2005-06 and Derby in 2007-08 – both 10).Villa have lost six of their last seven league games, including the last four. In that quartet of defeats, they have conceded 15 goals. Indeed, at Villa Park, they have won two and eight, both worse records in the division. Their goals for, 11, is the lowest, while their goals conceded, 23, is the highest. By contrast, Spurs have won seven away games, the joint second highest, and lost just twice.After winning six games in a row in the Premier League, Tottenham Hotspur have taken one point from their last two games, the defeat at West Ham and last Saturday’s dramatic 2-2 draw at home to neighbours and arch-enemies Arsenal.They remain in second place, five points behind leaders Leicester City, and can reduce that gap to two points as their rivals do not play until Monday night.Spurs would be top now had they not drawn so many games; no fewer than 10 of their 29 games have ended in stalemates.They beat Villa 3-1 in November at White Hart Lane but in this game last season Villa won 1-0 despite finishing with 10 men.Villa test Jack Grealish but are still without Libor Kozak, Jordan Amavi, Carlos Sanchez and Adama Traore. Spurs, meanwhile, test Danny Rose but Jan Vertonghen is out.last_img


first_imgThree Donegal primary schools are taking part in a unique project aimed at immersing junior infants in the Irish language.The schools, which are all located in the Gaeltacht region, all plan to delay the teaching of the English language for a year until the children enter senior infants.The schools taking part in the project include Scoil Rann na Feirste, Scoil Dhoire Chonaire and Scoil Chaiseal na gCorr. A spokesman for the project, Éamonn Mac Niallais, said research has shown the plan is working.“It is very clear from international and national research on immersion education that not only does this system improve the acquisition of the minority language, in this case Irish, but also that it improves standards in both languages in senior classes.“Therefore, this system is to the benefit of all pupils and is recognised as international best practice for minority language medium schools such as Gaelscoileanna and Gaeltacht schools,” he said.There are seven other primary schools in the Gaeltacht category A area in Donegal. Some of these schools have yet to make a decision on immersion education but project organisers hope they will make the same decision as these three schools.“It is of critical importance to us as one of the strongest Gaeltacht communities in Ireland that we are prepared to take positive steps to demonstrate our committment to the conservation and development of the Irish language.“We have to acknowledge that there is a crisis in even the strongest Gaeltacht areas in terms of the lack of usage by young people of the Irish language in their normal everyday social interactions.“The introduction of immersion education in Gaeltacht schools in not the answer to all of these problems but it is definitely a step in the right direction and is to be welcomed,” he said.Ends Ní neart go cur le chéileTá tús curtha inniu ag trí bhunscoil Ghaeltachta san Iarthuaisceart leis an tumoideachas ins na naíonáin bheaga; Scoil Rann na Feirste, Scoil Dhoire Chonaire agus Scoil Chaiseal na gCorr. Séard atá i gceist go bunúsach leis seo nó nach mbeidh na scoileanna seo ag tosnú ar theagasc an Bhéarla leis na daltaí go dtí na naíonáin mhóra ar a laghad. Déanann muid comhghairdeas leis na tuismitheoirí, na Boird Bhainistíochta agus na múinteoirí ins na scoileanna seo a ghlac an cinneadh dearfach seo.Is cinnte ón taighde idirnáisiúnta agus náisiúnta atá déanta ar an tumoideachas, ní amháin go bhfuil sé chun leas na mionteanga (an Ghaeilge) ach go mbíonn torthaí foghlama níos airde á mbaint amach ag na daltaí ins an dá theanga. Mar sin de, is chun leas an pháiste atá an cleachtas seo.Tá buíochas ag gabháil d’Eagraíocht na Scoileanna Gaeltachta agus COGG a d’eagraigh seimineár do lucht teagaisc na scoileanna Gaeltachta san Earrach ar an ábhar seo. Chomh maith le sin, d’eagraigh siad seisiúin eolais do na Boird Bainistíochta agus cúrsa traenála do mhuinteoirí ar fhoghraíocht na Gaeilge. Tá seacht mbunscoil eile i gCatagóir A san Iarthuaisceart agus tuigeann muid go bhfuil cinneadh le déanamh go fóill ag roinnt acu seo agus tá súil againn go nglacfaidh siad uilig an cinneadh céanna. Tá sé fíorthábhachtach dúinn mar phobal Gaeltachta na céimeanna dearfacha seo a ghlacadh le léiriú go bhfuil muid dáiríre faoi thodhchaí na teanga a chinntiú. Tá géarchéim ann ó thaobh úsáid na Gaeilge i measc aos óg na Gaeltachta; ní réiteach na faidhbe ann féin atá sa tumoideachas ach is cinnte gur cuid den réiteach é.EndsDONEGAL SCHOOLS TO TAKE PART IN UNIQUE PROJECT TO PUT ENGLISH LANGUAGE ‘ON HOLD’ was last modified: August 31st, 2011 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img


first_imgDerry City have signed Donegal man Sean Houston from Bray Wanderers on a one-year contract.The 23-year-old Letterkenny midfielder has previously played with Finn Harps and UCD in the League of Ireland.Meanwhile City midfielder Barry McNamee is currently on trial with Nottingham Forest. Recently, left-winger Stephen McLaughlin had a one week training stint at the City Ground, amid reports Forest are keen to establish a closer relationship with the Candystripes.The capture of Houston is manager Declan Devine’s second signing since City won the FAI Cup last month. FORMER FINN HARPS STAR SIGNS FOR DERRY CITY was last modified: December 6th, 2012 by BrendaShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:FORMER FINN HARPS STAR SIGNS FOR DERRY CITYlast_img

Close to a million homeowners to pay extra property tax from 2020

first_imgAlmost a million homeowners will pay extra property tax next year after a record number of local authorities hiked their rates – including Donegal County Council. Just eight local authorities have retained the standard rate for 2020, compared with 22 this year. Under the standard rate set by Government, the owner of a home valued at between €300,000 and €350,000 is liable for €585 in tax.However, local authorities have the power to raise or lower the standard rate by up to 15%, according to the Irish Independent.Ten counties have raised their prices by the maximum amount, which would add an extra €88 to the bill for a €300,000 home.The Department of Housing said it “keeps abreast” of variation decisions by local authorities but did not seek “to pre-empt or anticipate those decisions”.Asked whether there were any concerns about the dramatic increases across the country, a spokesperson said: “The department would not have any concerns or comments about local authority members exercising their statutory function in this regard.” On the other hand, 15pc hikes were voted through by councillors in Donegal, Clare, Kilkenny, Leitrim, Limerick, Longford, Monaghan, Offaly, Roscommon and Sligo.Overall, roughly 990,000 houses will be subject to a higher tax rate.Each council must transfer one-fifth of its standard LPT income into a central ‘equalisation fund’, which is divided up among the less well-off regions. However, a local authority is able to retain any extra income raised through hiking rates for its own spending. The equalisation fund is already controversial as it will result in 10 areas providing subsidies to the rest of the country.More than €40m paid by residents in the capital will be used to prop up rural local authorities.The biggest winners in 2019 are projected to be Donegal and Tipperary which will get €16m each from the fund. Mayo and Waterford are in line for €11m each. The Government has pledged to reform how the tax is spent by local authorities.Close to a million homeowners to pay extra property tax from 2020 was last modified: November 4th, 2019 by Shaun KeenanShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img

SA ‘plays important global role’: IMF

first_img9 January 2012 Emerging economies – and South Africa as one of the key players among them – are an important part of the solution to the problems besetting the global economy, International Monetary Fund chief Christine Lagarde said during her first visit to South Africa on the weekend. Lagarde, who visited Nigeria and Niger before arriving in South Africa at the weekend, met with President Jacob Zuma in Bloemfontein on Saturday following talks with Finance Minister Pravin Gordhan, Planning Minister Trevor Manuel and Reserve Bank Governor Gill Marcus on Friday. “In these difficult times for the global economy, emerging economies are a key part of the solution,” she said in a statement following her meeting with Zuma. “South Africa has an important role to play on behalf of the interests of developing economies and the African continent in particular. As a member of the G20, it has a leadership role to play in making the voice of Africa heard. I’m confident that it will continue to do so.” Lagarde described South Africa’s recent economic performance as “impressive”, saying that good macroeconomic policies, together with a flexible exchange rate and sound financial sector, had mitigated the drop in output experienced during the global recession of 2008-09. “Prudent fiscal management in the mid-2000s created the space that allowed fiscal policy to be supportive in recent years, mitigating the worst effects of the global economic slowdown and domestic recession.” At the same time, she noted, the ongoing debt crisis in Europe, one of South Africa’s main export markets, presented “significant downside risks” to the country’s economic outlook. “In this context, we agreed that the challenge now is to ensure that monetary policy remains supportive and competitiveness improves. “At the same time, moderation in wage growth and enhanced competition would support the ongoing recovery and lay the foundation for higher growth in the medium term.” SAinfo reporterlast_img

Abducted Egyptian Blogger Freed

first_imgTags:#Breaking#international#news#web curt hopkins Related Posts Top Reasons to Go With Managed WordPress Hosting 8 Best WordPress Hosting Solutions on the Market A Web Developer’s New Best Friend is the AI Wai… Cairo-based activist Dalia Ziada reported on the release via Twitter about three hours ago, about 2:45 a.m. Friday local time. We will update this post as more information becomes available. Other sources: Andy Carvin Why Tech Companies Need Simpler Terms of Servic… Kareem Amer has been released. The blogger, who served more jail time than any other blogger so far, was abducted after leaving Tahrir Square on Sunday, February 6, with a friend. Kareem, whose full name is Abdul Kareem Nabeel Suleiman Amer, hadn’t taken a particularly high-profile place in the recent protests. His criticism of Islam is still resented by many in Egypt. He had enough enemies because of the content of his blog that it was uncertain who took him, private citizens or police. last_img

The Hustler’s Playbook: No One Owes You Anything

first_img Essential Reading! Get my 2nd book: The Lost Art of Closing “In The Lost Art of Closing, Anthony proves that the final commitment can actually be one of the easiest parts of the sales process—if you’ve set it up properly with other commitments that have to happen long before the close. The key is to lead customers through a series of necessary steps designed to prevent a purchase stall.” Buy Now I once heard a non-hustler say, “I can’t live on the money that my company pays me.” This non-hustler believes that his company owes him enough money to meet the standard of living he wants for himself.I heard another non-hustler say, “No one paid for my college, so I didn’t get to go.” This non-hustler pretends that his lack of a college education was owed to him. He probably believes his parents were obligated to pay for him.There is a difference between charity and entitlement. Charity is how hustlers make a contribution and give back. Entitlement is a debt that is owed. Hustlers don’t believe they are entitled, even when they accept charity.Hustlers know that no one owes them anything. Hustlers believe that they can have anything they want by doing the work necessary to have those things, whether the things they want are material possessions or the more important things like meaningful relationships, personal growth, and contribution. Because they don’t feel entitled, hustlers do the work.Non-hustlers feel a sense of entitlement. If someone else has more of the things they want, they feel deeply that they should be entitled to those same things.Because hustlers don’t feel a sense of entitlement, they don’t wait for someone to pay them what they are worth. Hustlers don’t resent their boss or their company for not paying them more. Instead, they make their contribution, take on additional responsibility, and hold themselves accountable for producing greater results. If this doesn’t produce greater rewards, the hustler is grateful for the opportunity and quickly finds a new place from which to create and capture more value (oftentimes that place is one they create for themselves).The non-hustler is resentful when they believe they are entitled to more money. Because they feel a sense of entitlement, they stew, all the while looking for others who will commiserate with them and validate their belief that they are owed something.Hustlers don’t feel that anything they lacked was some entitlement that they were due. They don’t believe that it was anyone else’s responsibility to educate them, whether that be their teachers, their school system, or their parents inability or unwillingness to pay for their education. They don’t miss the trust fund that they were never given. Hustlers don’t blame any past deprivation for their current circumstances.To a hustler, a lack of anything they need is simply fuel that drives them to hustle.A non-hustler feels a lack of something as deprivation, as someone withholding something that they are owed. This sense of entitlement is disabling. It disempowers them. It infects their mind, and it allows them to rationalize their lack of effort to have whatever it is they really want.No one owes you anything. Not your parents. Not your government. Not your school system. Not society. Not your employer. This belief liberates you from a sense of entitlement and empowers you to act on your own behalf.last_img