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first_imgCUNA commended the NCUA for opening its overhead transfer rate (OTR) and operating fee methodology for public comment and offered an alternate OTR model that would result in a lower rate. CUNA has pushed for this transparency for a number of years.In its Tuesday letter, CUNA noted that it does not have the intent, nor should the NCUA have the intent, to benefit federal credit unions over state-chartered credit unions, or vice versa.“CUNA represents both federal and state credit unions,” the letter reads. “Our goal is to ensure a fair distribution of the charges for the supervision of credit unions consistent with the Federal Credit Union Act.”CUNA has long held that any overhead transfer of agency expenses to the National Credit Union Share Insurance Fund should be legitimate, substantiated “insurance-related” costs, consistent with fairness to state and federal credit unions and the Federal Credit Union Act. continue reading » 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

first_imgWithin the next two months, the NCUA intends to remove the requirement that all federally insured, state chartered credit unions with more than $250 million in assets be examined each calendar year, new NCUA Chairman Rick Metsger said Thursday.In a speech prepared for the Idaho Credit Union League, Metsger also said he is forming a working group to review the overall examination process – including the frequency of exams.“We need to see how we meet our statutory responsibility to examine credit unions for safety and soundness with as small a footprint as possible,” Metsger said. continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

first_img continue reading » They have been called many things, from entitled to humble, hardworking to lazy, overly reliant on their parents while at the same time independent. Tom Brokaw even famously tagged them as “the greatest generation since The Greatest Generation.” An enigma for retailers to attract and an adjustment for businesses to employ, Millennials (the generation loosely defined as those born between 1981 and 1996) have been simultaneously torn down and put on a pedestal by their peers and elders. But data doesn’t lie. With over 56 million in the US workforce according to US Census Bureau data, Millennials make up the greatest percentage of employees today, and are proving that they are just as hardworking and perhaps even more balanced in their approach than generations before them. Hiring Millennials and keeping them happy and engaged at your credit union is heavily reliant upon the traditional motivators: money and benefits. However, what sets this generation apart when it comes to job satisfaction is the level of importance they place on purpose and technology… working for a credit union whose mission is in-line with their primary values, and one that provides them with the latest technology to get their job done efficiently are major factors in retention.A Look at Millennials in the US WorkforceMillennials are the largest generation currently employed in the US, with Gen X next, and Baby Boomers’ numbers at third and dwindling. Estimates have put the number of Millennials at well over 50 million, 40-50% by some totals of the workforce. According to Forbes, predictions place this generation at nearly 75% of workers in the US by 2025. Worldwide, their numbers are slightly lower but still dominant. Almost half of them work in business and professional services, while a third are in the financial industry, according to a 2018 Paychex survey. This bodes well for attracting employees to your credit union. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

first_imgThe Dark Web is a shadowy part of the internet where criminals plot their activity. This hidden area of the web is widely misunderstood, however. In this podcast we will explore the structure of the Internet, the secret criminal communities hiding within it, and the misconceptions of the underground. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mayra Alcaraz Mayra Alcaraz is the Marketing Data Analyst at Farmers Insurance FCU, headquartered in the Greater Los Angeles area but serving members throughout the nation. She has a background in accounting, … Web: Details If you are anything like me, you often brag about how amazing credit unions are and you enjoy sharing member stories of how you were their shining light during a financial hardship. You pride yourself in serving underserved communities, in helping members that big banks turn away and predatory lenders heavily target. You believe in the ability to improve people’s lives with the help of accessible financial products, services, and financial education. You eat, sleep, and breathe the “people helping people” mantra.Although a single credit union can be small compared to a big bank, collectively, we (credit unions) are a force to be reckoned with! The Credit Union National Association reported that credit unions provided about $12.9B in direct financial benefits to members during a twelve-month period ending in June 2019 and we continue to strive for higher levels of positive impact amongst members.Industry partner, Filene, has been a great proponent for serving underserved and underbanked communities with their Reaching Minority Households Incubator, which has allowed members such as, Sara, Point West Credit Union member who had no credit history or social security number, to obtain a small loan to help launch her business with the help of the ITIN lending program. Kenia Calderon, Client Relations Director at Coopera, also obtained an ITIN loan to pay for her Deferred Action for Childhood Arrivals (DACA) application. Through the DACA program, Kenia was able to obtain a legal work permit and she has since helped pave the way and continues to provide a voice for others like herself. These pilot programs are proven testaments that credit unions are looking beyond traditional business practices to serve minority communities that have been underserved or underbanked for too long. This a great step forward towards diversity, equity and inclusion amongst credit union members.Now ask yourself this, are we truly focusing on diversity, inclusion, and equal representation of our minority members? Do our credit union leaders have a high level of understanding of minority households and their current needs? When you walk into your credit union’s board meeting, an industry conference, or event, can you visually see representation of minority groups? If your answer is no or you are unsure, then perhaps you would agree that this is a matter we must address.The demographics of the nation have changed significantly over the last decades. In 1970, the United States Census Bureau reported a 16.5% minority population, whereas, in 2010 that percentage increased to 36.3%. The current population projections predict a 50.1% minority population by the year 2042. With demographics shifting towards minorities being the majority in the upcoming decades, credit unions can gain a competitive advantage over banks by continuing to foster relationships with minority households and communities, in both membership base and representation in leadership positions.Credit unions such as Border Federal Credit Union in Del Rio, TX and Hope Credit Union in Jackson, MS serve minority communities and equally represent minorities in their leadership and board positions. Both credit unions continue to show strong growth over the years in both their financials and member impact and they also continue to build strong relationships in the minority households and communities they serve. So, how can we follow the examples these two credit unions have set? How can we deepen our relationships with minority households and communities? How do we acquire a more inclusive and diverse workforce and leadership team?Below are some resources available in the industry that may help with answering these questions:Filene’s Center for Diversity, Equity and InclusionAfrican-American Credit Union CoalitionCoopera ConsultingNetwork of Latino Credit Union and ProfessionalsWorld Council of Credit UnionsIf our industry can continue to develop relationships with underserved minority households and communities, tailor more products and services to meet the needs of minorities, and take a constructive approach on diversity and inclusion in both our workforce and our credit union leaders, our industry will gain a competitive advantage and be able to leverage this in the future when the demographics shift. Taking action now on any of these may be the deciding factor on whether or not your credit union will succeed in the future.last_img read more

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first_img July 23, 2019 AMENDED Executive Order – 2016-07 – Open Data, Data Management, and Data Governance Press Release Subject: Open Data, Data Management, and Data GovernanceNumber: 2016-07 As AmendedBy Direction of: Tom Wolf, GovernorDate: July 24, 2019WHEREAS, Commonwealth agencies under the Governor’s jurisdiction (the “Enterprise”) obtain, create, and store significant amounts of data; andWHEREAS, these public stores of data have many potential public and private uses, including use as “open data” (i.e. publicly available data structured in a way that enables the data to be fully available and usable by end users); andWHEREAS, data planning, development, investment, access, and sharing efforts should be prioritized and coordinated across the Enterprise to maximize efficiency and cost effectiveness, and enhance existing information sharing and technology compatibility through standardization by means of Information Technology Policies (ITPs), and reduce expenditures for research and development; andWHEREAS, private enterprises obtaining, creating and storing data have similar needs for efficiency and standardization, and can both benefit from and assist in these efforts; andWHEREAS, it is essential that the Commonwealth utilize a central organization to govern, evaluate, coordinate, implement, and improve Enterprise data development, open data planning and cooperation, research, project prioritization, investment, and effectiveness; andWHEREAS, The Administrative Code of 1929 (Act 1929-175, P.L. 177, as amended), at Sections 501 and 502 (71 P.S. §§ 181, 182), requires administrative departments and several independent and departmental administrative boards to coordinate their work and activities with other departments, boards, and commissions; andWHEREAS, the confidentiality, security, and privacy requirements associated with Commonwealth data and facilities must remain a priority in all open data, data governance, and data development efforts; andWHEREAS, the Commonwealth, in order to foster innovation, cooperation, and transparency, should seek to share and/or provide access to all data, both internally and externally, whenever possible unless restricted by federal, state, or other statutes or regulations, or policies, standards or best practices that prohibit the sharing of specific data; andWHEREAS, privacy and protection efforts must be prioritized and coordinated across the Enterprise and across Agencies under the Governor’s jurisdiction to maximize the data privacy, privacy standardization, and to reduce the risk of unauthorized public exposure; andWHEREAS, the privacy requirements associated with Commonwealth data and facilities must remain a priority in all data efforts.NOW, THEREFORE, I, Tom Wolf, Governor of the Commonwealth of Pennsylvania, by virtue of the authority vested in me by the Constitution of the Commonwealth of Pennsylvania and other laws, do hereby order and direct the Governor’s Office of Administration (OA) as follows:Powers and Duties.OA shall develop data priorities, strategic plans, direct data investments, procurements, and policy for the Enterprise. The Enterprise shall comply with direction from OA regarding the matters which are the subject of this Executive Order. OA shall make decisions on behalf of the Enterprise regarding operational matters related to open data, data governance, data protection, data development, data analytics, data sharing, and other responsibilities within the scope of this Executive Order.OA shall develop and facilitate the approach of the Enterprise to engagement with private and other public stakeholders on the matters which are the subject of this Executive Order.OA shall be responsible for the following:Creating the position of a Chief Data Officer tasked with establishing and maintaining a master data management plan that will be made available to the public, updated annually, and incorporates the following: Creating an advisory group (which should include, among others, agency Chief Information Officers, Information Security Officers, Data Stewards, architects, privacy officers, risk managers, and legal representation) to advise OA, Office for Information Technology (OIT) regarding overall data governance.Creating frameworks that include policies, processes, and standards that adhere to commonly accepted principles and legal requirements for data governance, data development, and the quality, sourcing, use, access, content, ownership, licensing of relevant data, and Enterprise data sharing.Creating a maintenance plan for the Enterprise Open Data Portal for Enterprise and public access.Providing guidance to the Enterprise regarding the procurement and standardization of technologies and services related to the subject matter of this Executive Order through the use of Information Technology Policies (ITPs).Communicating with the public both by publishing Enterprise open data plans and policies and by soliciting and/or allowing for public input on the subject matter of this Executive Order.Examining internally the Commonwealth data sets for business, confidentiality, privacy and security issues, and the reasonable mitigation of those issues, prior to the data’s release for open data purposes.Developing and facilitating the approach of the Enterprise to engagement with private and other public stakeholders, including; but not limited to, arranging for and expediting data-sharing and data access agreements, such as Memoranda of Understanding (MOUs), and encouraging and facilitating cooperation and substantive and administrative efficiencies.Prioritizing and coordinating data privacy and protection efforts across the Enterprise to maximize the privacy and protection of all data and to reduce the risk of public exposure of private or protected data.Identifying other potential areas of risk related to data storage, processing, access and sharing, and creating ways to manage that risk.Creating a framework for internal and external entities of the Enterprise to enable data access between citizen profiles and systems of record, data sharing, improve data portability and access, inventories, and analytics, and address barriers to implementing the framework.Executive Agencies. All agencies under the Governor’s jurisdiction shall provide assistance to and cooperate with OA as requested by OA in the pursuit of the matters which are the subject of this Executive Order. Independent Agencies, State-Affiliated Entities, and State-Related Entities. Independent agencies, state-affiliated entities, and state-related agencies are strongly encouraged to implement this Executive Order.Effective Date. This Executive Order shall take effect immediately.Termination Date. This Executive Order shall remain in effect unless revised or rescinded by the Governor.center_img SHARE Email Facebook Twitterlast_img read more

first_img The townhouses range from two to four storeys.The townhouses range in size from two to four storeys. Bedrooms are large, living space is ample and there are multiple places to work, play, entertain or unwind.Ms Choi said the drawcard to the project was that it offered the best of both worlds.“It’s nestled in the Redlands Coast’s bayside with all its village charm, water views and perfectly located within close proximity to Brisbane city,” she said.Other features in the townhouses include ducted airconditioning, smart home automation and Legrand Audio NUVO systems. There is American oak timber flooring in the open-plan floor areas of living, dining, kitchen and study. There’s plenty of space to cook up a storm. Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 1:05Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:05 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 Rate1xFullscreenInside Kyle Sandilands $3 million country retreat01:05 100 Dorsal, Aquatic Paradise, Birkdale.The bayside suburb of Birkdale is home to luxury terrace houses offering a low-maintenance lifestyle.The development at 100 Dorsal Aquatic Paradise includes 18 residences that are perfect for families who want a luxury home without the work that comes with a large house on land or downsizers looking to start the next chapter of their lives. center_img AEC Australia director Doris Choi said the larger terrace homes had enough space for up to five bedrooms. Each includes multiple living spaces, separate laundries, double car spaces and ample storage. A number of terrace homes come with their own internal lift (perfect for downsizers) and their own private rooftop areas – perfectly suited to entertaining or relaxing by the water. “The north-facing covered rooftop area coupled with a lounge, form a comfortable exclusive area with a magnificent water view setting for family relaxation, friends or business entertainment,” Ms Choi said.“It’s perfect for the Queensland outdoor lifestyle, the rooftop terrace is equipped with built-in gas barbecue and sink.”More from newsParks and wildlife the new lust-haves post coronavirus10 hours agoNoosa’s best beachfront penthouse is about to hit the market10 hours ago Enjoy the views everyday.Each terrace residence positioned on the canal in Aquatic Paradise is a configuration of three to four bedrooms.last_img read more

first_img Sharing is caring! Share Share Tweet CoronavirusLifestyleLocalNewsRegional PAHO Confirms Four Trained in COVID-19 Testing in Dominica by: – March 12, 2020center_img 289 Views   no discussions (PAHO) The training which took place 12-14 February 2020, was attended by four laboratory technologists from the New China Friendship Hospital in Roseau, Dominica. The three-day training was facilitated by Virologist, Dr Lionel Gresh.The main objectives of the training were to:• Implement the molecular diagnosis of the COVID-19 and train laboratory staff• Deliver key reagents for the detection of the COVID-19• Review the required biosafety measures for handling COVID-19 samples and sample shipping procedures to international reference laboratoriesThe training was implemented on the job and the methodology was in line with PAHO/WHO recommendations, which is to support countries to develop their capacity to identify and respond in a timely manner to any suspected COVID-19 case on Island. Testing will be performed in a state-of-the-art molecular biology platform installed in 2019 through a joint collaboration between PAHO and the Ministry of Health, Wellness and New Health Investment.The Ministry of Health, Wellness and New Health Investment also received donations of reagents (primers, probes and positive controls for screening and confirmatory test). With these donations approximately 96 tests can be conducted. Additional reagents will be available for Dominica if testing load was to increase.Dr Lionel Gresh also met with Dr Shalauddin Ahmed, National Epidemiologist, and Ms Catherina Jemmott, Laboratory Superintendant, to review the guidelines on COVID-19 sample collection, transportation and testing, and to plan the dissemination of these guidelines to health workers.The country has vowed to notify PAHO/WHO in a timely manner should any case occur on island, in accordance with the International Health Regulations (IHR). They will also continue to source PAHO’s technical expertise to guide them in further testing, for other respiratory pathogens as influenza. Sharelast_img read more

first_imgCristiano Ronaldo would have his ideal partner at Juventus if they signed Arkadiusz Milik, according to Marco Borriello. Poland international Milik’s contract with Napoli, who face Juve in the Coppa Italia final on Wednesday, is due to expire at the end of next season. The 26-year-old has scored 26 goals in Serie A since the start of 2018-19, with his first two seasons at Napoli heavily disrupted by a pair of anterior cruciate ligament tears – one in either knee. With speculation over Paulo Dybala’s future at Juve ongoing, Borriello, who was part of the Bianconeri side that lost the 2012 Coppa final to Napoli, believes Milik could provide the perfect foil for Ronaldo in Turin.Advertisement Asked how he thought the pair would work together, Borriello told Tuttosport: “Very well. Milik is a complete number nine and, if he hadn’t suffered those bad injuries, he would be one of the strongest with [Gonzalo] Higuain and [Edin] Dzeko. “Arek is not just a penalty-box striker, he is one of those who scores more with shots from outside the area. read also:Chelsea put huge offer on table in shock move for Ronaldo “For CR7, he could be a bit like what [Karim] Benzema was in his time at Real Madrid. “But, trust me, these transfer rumours do not exist on the pitch. Now Milik is only thinking of Napoli.” FacebookTwitterWhatsAppEmail分享 center_img Loading…last_img read more