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Hooray! The Taxi Top Selfie Sweepstakes Are Back

first_imgWhen was the last time you won $100 for a selfie? The 2015 Broadway.com Taxi Top Selfie Sweepstakes is officially underway! Simply spot one of our flashy Broadway.com taxi tops in New York City, take a selfie with it, and send it our way. Each week through December 23, we’re giving away a $100 Amazon gift card to a lucky participant chosen at random.To enter this awesome opportunity, send your selfie (make sure that Broadway.com taxi top is nice and visible!) to taxitopselfie@broadway.com with your first and last name. Be sure to send us your photo VIA EMAIL ONLY! Photos sent via Facebook, Twitter, etc. will NOT be considered. Send us your pics before Wednesday at 10AM each week of the contest to be entered for that week’s prize from December 2 through December 23. Winners will be notified via email on each Wednesday.NO PURCHASE NECESSARY. Sweepstakes only open to legal residents of 50 U.S. states and D.C. who are 18 years or older. Void outside U.S. and where prohibited. Ends December 23, 2015. See official rules and details here. View Commentslast_img read more

Peru’s Armed Forces Prepare for El Niño

first_imgAuthorities have been preparing to respond to El Niño’s possible effects by conducting simulations and strategic deployments in the regions of Tumbes, Piura, Lambayeque, La Libertad, Cajamarca, Amazonas, San Martín, Ancash, Lima, Ica, Arequipa, Cusco, Puno, and Junín. To prepare for El Niño, the Joint Command launched an intensive plan of integrated military operations and actions, which would complement the efforts of the National Police and other agencies. It will monitor El Niño’s effects and coordinate with the Emergency Operations Centers, the National Civil Defense Institute, the Ministry of Defense, the Regional Emergency Operations Centers, and other government agencies, including some on the local level. In addition to the Armed Forces’ coordinated response, officials with the U.S. Office of Foreign Disaster Assistance (OFDA) are also working with the Peruvian government to develop approaches to reduce damages caused by El Niño. In 2007, for example, the agency assisted civilians affected by the 8.0-magnitude earthquake in the Ica region that killed more than 500 people. The importance of technology Geographic zones On land, the Military’s response plan is divided geographically. “The Armed Forces Joint Command (CCFFAA) is keeping track of the matter in greater detail to ensure an efficient and timely response to the El Niño phenomenon,” said Peruvian Air Force Major General Henry Pérez Saavedra in an interview with Diálogo. “The command and control capabilities, as well as the human and material resources available to the Armed Forces, allow us to fulfill our mission to provide humanitarian aid, transport personnel and cargo, maintain the air bridge, and perform medical air evacuations and search and rescue operations.” By Dialogo December 09, 2015 I think it’s fabulous to have information on the advances and operations of the Latin American Armed Forces. I would like to continue to receive this digital bulletin. The enthusiasm of these youth in representing our country is very pleasing. PERU, PREPARE YOUR SHIPS, ARGENTINA HAS FINALLY DECIDED TO CHANGE ITS GOVERNMENT…NOW WE’RE GOING TO BE BETTER PREPARED…. This is how our army should be again. It should grow through military service that elevates the potential of man and weapons at the same time Good for not waiting till the last minute and not embarrassing the people I don’t need to be a specious meteorologist at SENAMI to know what is going to happen in Lima and in Northern Peru. For years I have been following the changes in the weather here in North America which have an impact during the summer in South America. A fourth of the U.S. is under water and that will be seen in South America, but there will be illiterate donkey disbelievers who will innocently refute me. That is how our army and navy should be again. It should grow through military service which raises human and arms potential at the same time. Ready for what? For the dams to erase us off the map…Please… The best thing the country can have According to information from the National Oceanic and Atmospheric Administration, El Niño (Spanish for The Little Boy) was named around Christmas time in the 1600s by fishermen off the coast of South America who detected mysterious warm currents in the ocean. When the phenomenon takes place, ocean surface temperatures rise periodically, potentially causing torrential rainstorms, floods in coastal and riverside regions, and drought in other areas. “Currently, the north and central seas along the coast of Peru are seeing an average increase of 3 degrees over usual temperatures,” according to the Joint Command. Peru’s government is prepared to face the worst-case scenarios given the imminent arrival of El Niño through the months of the rainy season (December-March), when the country is at its greatest risk, according to the Joint Command’s website. The Air Operations Command deployed three fixed-wing aircraft and four helicopters to deliver more than 35,000 kilograms of aid to authorities in those areas. The Northern Operational Command also participated in the simulation. In preparing to deal with the potential impact of El Niño, to which Peru is susceptible, the Air Force “is always one step ahead because we have the most rapid response resources,” he said. “When the government wants to deliver humanitarian aid across the country or internationally, it turns to the Air Force.” A coordinated effort “On August 31, the Armed Forces conducted a joint simulation in the regions of Tumbes, Piura, and Lambayeque pursuant to the strategic plan, in support of the endangered population,” said Maj. Gen. Pérez. There, the Joint Command, through the Maritime Operations Command, deployed the BAP Tacna, which transported 1,500 cubic meters of humanitarian aid, such as medicine and food, to the National Police’s First Brigade for Emergency and Disaster Health Interventions. The Armed Forces are monitoring weather developments and are prepared to deploy as many as 40,600 Troops to provide civilians transportation, food, and medical supplies using Military airplanes and helicopters if necessary, according to a Ministry of Defense statement. If needed, the Armed Forces will help distribute humanitarian aid, such as food and medicine, to areas impacted by El Niño. It will also assist in setting up shelters, transporting injured people to hospitals, removing debris, and re-establishing any disabled communications systems; additionally, the Armed Forces has ordered the deployment of 19 Peruvian Air Force transport planes and more than 20 helicopters to support search and rescue efforts, according to the CCFFAA. In addition, two Peruvian Navy ships, the BAP Callao and the BAP Tacna, are ready to contribute. The Tacna has a transport capacity of over 7,000 tons and features a modern water desalination and purification system that turns sea water into potable water. “The Peruvian Armed Forces have divided the country into five zones: northern, southern, central, Ucayali, and Loreto when responding to emergencies,” said Admiral Jorge Moscoso, chief of the Joint Command. “We have estimated that the mobilization of personnel and equipment will require approximately 28 million soles [approximately 8.61 million dollars].” “We are using our computer systems and we have control mechanisms to monitor the planes and cargo, all in coordination with the authorities.” “We train every year because high-risk situations always occur. On October 27, we conducted a joint nighttime simulation. We’re ready.” In the fall and winter of 1982-1983, the country suffered an estimated $3.2 billion in economic losses from El Niño’s damage. During that same period from 1997-1998, Peru sustained $3.5 billion in economic damages from that season’s El Niño, according to the Ministry of the Environment. Military authorities are using technology to coordinate the response strategy and simulations. Peru’s Armed Forces are trained and ready to respond to the El Niño weather phenomenon that develops in the east-central Equatorial Pacific every two to seven years, potentially causing significant flooding that would put civilians in danger and harm the country’s agricultural and fishing industries. U.S. cooperation “The entire Army and Navy have placed their resources at the disposal of the Air Operations Command for deployment, since we are the ones planning the air operations,” said Maj. Gen. Pérez. Additionally, the U.S. government is working with the Peruvian Army Corps of Engineers to construct bridges in declared emergency zones.last_img read more

Legislative Action

first_img Legislative Action Legislative Action Under Rule 2-9.3 (b) – (e), Rules Regulating The Florida Bar, active members of the Bar may file a specific objection to any legislative position adopted by the Board of Governors.Objections properly filed within 45 days of this News issue will be considered for a refund of that portion of mandatory membership fees applicable to the contested legislative position, within an additional 45 days. The Bar’s governing board has the option to grant the appropriate refund to an objector or to refer the matter to arbitration.The arbitration process will determine solely whether the legislative position is within those acceptable activities for which compulsory membership fees may be used under applicable constitutional law. The objecting member’s fees allocable to the contested legislative position will be escrowed promptly upon receipt of the objection, and any refund will bear legal interest.Any active member may provide written notice to the executive director of The Florida Bar, setting forth an objection to a particular legislative position. Failure to object within 45 days of this News issue will constitute a waiver of any right to object to a particular legislative position within this notice.The policy requires the Bar to notice such legislative positions in the next available News issue following their adoption. Pursuant to Standing Board Policy 9.20, on December 16, 2005 the Board of Governors approved the following positions of The Florida Bar:17. Opposes HB 395 (2006) and SB 906 (2006) as originally filed and further believes that more meaningful recognition of the paralegal profession can be achieved by continuing discussion with the legal profession and judicial branch before enactment of this particular legislation.center_img January 1, 2006 Regular Newslast_img read more

Green eggs, ham, and happiness

first_img 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Anthony DemangoneI’m fairly new to this parenting thing. I’m only six years in. But last night, i think I learned a valuable lesson.As Kate and Briggs were going to bed, I pulled out that Dr. Seuss classic, Green Eggs and Ham.As I opened the book, it dawned on me.“Kate and Briggs,” I said. “I think you guys can read this one tonight.”It took a while, but with a little help, Kate and Briggs took turn reading pages. And we finished the book.“You just read a book,” I said with a smile.“Will you tell Mommy what we did?” they asked.I shook my head yes, and they fell asleep with a smile.I’ve achieved a number of things in my life. And those things gave me some happiness.But not as much as seeing them push themselves to accomplish something. continue reading »last_img read more

GOP Staff: CFPB’s Cordray could be held in contempt over arbitration rule

first_imgIn another shot fired at the CFPB, the Republican staff of the House Financial Services Committee says there is sufficient evidence to hold Director Richard Cordray in contempt of Congress for failing to comply with a committee subpoena for records dealing with the agency’s arbitration rule.In a report released Friday, the GOP staff said the committee’s request for certain records dealing with agency decision-making has been outstanding for 471 days.Republican committee staff members already have said that Cordray could be held in contempt of Congress over allegations that the agency failed to produce records the panel requested dealing with the CFPB’s Wells Fargo probe. continue reading » 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

This is why CECL could be tough for credit card issuers

first_imgThe Current Expected Credit Loss standard – or “CECL” as it is more commonly called – will fundamentally change how U.S. financial institutions (FIs) account for credit losses. In the pre-CECL world, smaller financial institutions, including credit unions, used relatively simple approaches to provision for losses. They used actual losses experienced during recent months (typically the last 12) as an estimate of future losses. When it takes effect for these institutions in 2020, CECL will require FIs to calculate expected loss over the lifetime of a loan, requiring substantially more sophisticated analyses. Forecasting credit losses over the life of a loan requires more advance analytical approaches, powered by a much longer historical dataset to track loan performance, granular information about balances, payments, APR and origination vintages. Certain product lines, such as credit cards, will present greater challenges than other products when it comes to CECL calculation. That is because credit cards are fundamentally different from other loan products. They do not have a fixed term; they are revolving, balances fluctuate, and cardholders have options like making minimum, partial or full payments. Moreover, per CECL guidelines, in case of revolving lines, losses should only be considered from current drawn amount. This means that for any future default, FIs need to find a way to estimate the contribution of current snapshot balance in the final loss calculation. Due to the intricate nature of the credit card loans, issuers will need to apply extra care to CECL analysis.Below are the four major challenges and solutions for credit card portfolios under CECL: Life of loan estimationChallenge: For typical installment loan products, the life of a loan and the life of an account are the same. Because credit cards are revolving by nature, it is difficult to determine the estimated life of a particular loan.Suggested action: Retrieve historical data on balances and payments and analyze the balance pay down behavior for different kinds of accounts to determine the average life of credit card loans. In an ideal scenario, use granular information by balance segments (principal balance, interest & fees, promotions balance, etc.) to paint the true picture. Where data is incomplete or unavailable for portions of the portfolio, consider using third-party data for estimation. Balance pay down curve creationChallenge: To estimate the balance pay down curve for credit cards, FIs need to apply future payments on the current snapshot balance. For financial accounting of credit card payments and balances, FIs follow the CARD Act and allocate the received payments based on the APRs of the different balance components. For example, Purchase APR may be lower than Cash Advance APR; hence payments are first applied to the cash advance balance rather than the purchase balance. However, to simulate the true balance pay down curve at the time of the snapshot period, issuers will need granular and accurate forecasts for different balance segments, APRs and payments. Suggested action: Different options are available for amortizing snapshot balances and estimating the pay down curve. These include “First In, First Out” (FIFO), minimum payment, CARD Act simulation or a hybrid of these approaches. Choose the approach based on the data requirement, complexity and effort needed for execution.Portfolio segmentationChallenge: To provide the best view of member behavior, the FASB has prescribed grouping the accounts into homogenous segments for analysis. Credit unions need to consider multiple aspects – riskiness, payment pattern, type of balance – when segmenting portfolios.Suggested action: Segment the portfolio according to similar risk characteristics defined by risk score, delinquency buckets, transactor/revolver, etc. Monitor the performance (i.e. loss rate, average life of loan and shape of balance pay down curve) of the different segments over time. Each segment should have a statistically significant population for downstream analysis and reporting. Event definition for model developmentChallenge: Defining the dependent variable for model development purposes is particularly complex under CECL. Should the credit loss model treat an account that defaulted in the future, but fully paid off the current snapshot balance, as an event or a non-event? Suggested action: When using current models built using the traditional “bad” definition (i.e. any kind of default), make adjustments for accounts that defaulted after the snapshot balance is fully paid off. Otherwise, define events based on accounts that have non-zero balance remaining from the snapshot balance at the time of default.A successful CECL implementation for credit cards begins with the basics. The key is to meet the expectations of regulators and auditors in an efficient, sustainable and scalable manner. By using CECL as a catalyst to centralize and enhance processes, credit unions can improve long-term productivity, increase analytical capabilities and realize long-term value from their credit card portfolios. 39SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Manish Jain Manish Jain is a Vice President for EXL. He has worked in the field of data analytics since 2007, primarily for banking and financial firms in the marketing and risk … Web: https://www.exlservice.com Detailslast_img read more

Q3 GDP unchanged in final estimate; NAFCU predicts similar growth in 2020

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr NAFCU continue reading »center_img According to the Commerce Department’s final estimate, the U.S. economy grew 2.1 percent in the third quarter, remaining unchanged from the second estimate. NAFCU Chief Economist and Vice President of Research Curt Long noted the new estimate indicates a slight pickup from the second quarter, with upward revisions to personal consumption expenditures and nonresidential investment offset by a downward revision to private inventories.“The biggest downside risks remain the trade war and slowing global growth,” said Long in a new NAFCU Macro Data Flash report. “Industrial activity is still weak, but the rest of the economy looks solid. The labor market is strong and tightening further, and consumers are spending at a steady pace.“The road ahead will continue to be volatile, and the next downturn may only be a headline away, but for now the economic picture has cleared up since the anxiety-filled summer months,” Long added. “Real GDP growth has been close to 2 percent for nearly the entire duration of the recovery, and NAFCU expects something similar in 2020.”Contributions of growth of real GDP came from gains in consumption (+2.1 percent), government spending (+0.3 percent), and residential investment (+0.2 percent). Net exports reduced growth 0.1 percent, as did nonresidential investments (-0.3 percent).last_img read more

Real Madrid coach Zidane in contact with Mbappe and his father

first_img Loading… It’s emerged in France over the last 24 hours that Manchester City are prepared to compete with Real for the France World Cup winner. However, Okdiario’s chief pundit Eduardo Inda, speaking on El Chiringuito, has revealed Zidane is playing his part in Real’s pursuit of Mbappe.Advertisement Real Madrid coach, Zinedine Zidane, is maintaining regular contact with PSG star Kylian Mbappe. “Zidane talks with Mbappe, with the player himself and with his father every so often,” Inda said. “He does not want the signing to be messed up in the face of this summer or the next.” Read Also:Mbappe’s PSG exit imminent Mbappe is tied to PSG until 2022 and it’s been suggested Real president Florentino Perez is prepared to go beyond a world record €300m to bring him to Spain thiscoming summer. FacebookTwitterWhatsAppEmail分享 Promoted Content6 Extreme Facts About Hurricanes10 Risky Jobs Some Women Do7 Ways To Understand Your Girlfriend Better8 Shows That Overstayed Their WelcomeMind-Bending Technology That Was Predicted Before It AppearedTop 10 Most Romantic Nations In The WorldFrom Enemies To Friends: 10 TV Characters Who Became CloseBirds Enjoy Living In A Gallery Space Created For ThemCouples Who Celebrated Their Union In A Unique, Unforgettable WayThe Very Last Bitcoin Will Be Mined Around 2140. Read MoreWho Is The Most Powerful Woman On Earth?10 Completely Unexpected Facts About The US President’s Daughterlast_img read more

De Gea picks up United award

first_img Press Association Manchester United goalkeeper David de Gea has been crowned the club’s player’s player of the year for the second season in a row. “I want to say thank you to my team-mates, they have been fantastic this season and I love them. We have a great dressing room and I would like to say thank you very much,” he said on United’s official website. That feeling was reciprocated by a number of the United players who took to Twitter to congratulate De Gea. Juan Mata tweeted a picture of the former Atletico Madrid man posing with his trophy, while fellow keeper Anders Lindegaard said: “Big congrats to @D_DeGea for winning players player of the year – in my eyes the most prestigious award. Very well deserved my friend!” center_img The Spain international, who also made it into the PFA team of the year and the six-man shortlist for the PFA player of the year award, has kept 10 clean sheets behind a shaky United backline this season. His stellar performances have not gone unnoticed and he has been heavily linked with a move to Real Madrid this summer but he gave no hints about his future and praised his team-mates after collecting the gong. last_img read more

Irwin backs Shaw to shine

first_img Much was expected of Shaw last term after his £28million move from Southampton, but the left-back had a season to forget. Louis van Gaal castigated Shaw for turning up to pre-season out of shape, and once the campaign was under way, the defender was sidelined by ankle, head and hamstring injuries. The England international gave up part of his summer this year, taking a fitness coach with him to Dubai for a week in order to make sure he was in good condition for the start of the season. The 20-year-old has impressed so far on United’s pre-season tour of the United States and Irwin has high hopes for the player in the upcoming campaign. “Last year was a bit difficult for him injury-wise, but I know he has worked really hard over the summer and I am expecting Luke to really push on this season,” Irwin told Press Association Sport at a Special Olympics event in the US organised by United sponsors AON. “He is still young so he will still make mistakes but hopefully he will stay injury-free, get a good pre-season under his belt and then he will be up and running. “He’s had a whirlwind two years. He broke into the Southampton team at a really early age, exploded on to the scene, and went to the World Cup, and then joined Manchester United. “I think he is a fantastic player. “He needs to stay injury-free and get a run of games under his belt to get his confidence high and then we will see the best of Luke Shaw.” Like Irwin, Van Gaal has supreme faith in Shaw so the United boss has felt no need to sign another left-back this summer. Denis Irwin is convinced Luke Shaw will be a success at Manchester United next season. The Dutchman has been busy bolstering his squad in other areas though. Memphis Depay, Morgan Schneiderlin, Bastian Schweinsteiger and Matteo Darmian have joined for a combined cost of around £80million. For Irwin, the £15million signing of Schweinsteiger from Bayern Munich stands out the most. “He is a serial winner,” said the former left-back, who played 529 times for United. “He has won so may Bundesliga titles with Bayern Munich, he has over 100 caps, played 500 times for Bayern Munich so that experience will be vital. “He has been around the block, he knows exactly how to win trophies, he is a leader and you can tell that on the field.” Despite Irwin’s optimism, Schweinsteiger has not had the best tour so far. Van Gaal criticised the German for a “bad” performance in the 3-1 win over San Jose Earthquakes on Wednesday He will get a chance to put himself back in the manager’s good books on Saturday when United take on Barcelona at the Levi’s Stadium in Santa Clara. United’s next and final stop in the US will be Chicago, where they play Paris St Germain. Press Associationlast_img read more