Refi Boom Compliance Keeping Loan Defects Low

first_imgRefi Boom, Compliance Keeping Loan Defects Low Share The recent spike in mortgage refinances driven by near historically low mortgage rates has benefited the loan production process by the lowering the frequency of defects, fraudulence, and misrepresentation in the information submitted in mortgage loan applications, according to data released by First American Financial Corporation on Wednesday.The First American Loan Application Defect Index for July 2016 reported a decline of 2.8 percent over-the-month in July and a drop of 16.7 percent over-the-year. The Defect Index in July was down by 31.4 percent from its risk peak, reached in October 2013, according to First American.“The Defect Index continues to improve as the share of refinance activity in the market remains strong. According to the latest MBA mortgage applications survey, the refinance share of mortgage applications remains above 60 percent. The housing market continues to benefit from historically low mortgage rates, which are driving lower defect-risk refinance activity,” said Mark Fleming, chief economist at First American. “The average rate for a 30-year, fixed-rate mortgage fell in July to 3.44 percent from 3.57 percent in June. Other than between October 2012 and January 2013, this marks the lowest mortgage rates have been since Freddie Mac began tracking mortgage rates in 1971. To the extent that lower defect-risk refinance applications continue to occupy a large share of the mortgage market, the overall index will benefit.”For refinance transactions, the Defect Index declined by 1.7 percent from June to July and 18.1 percent from July 2015 to July 2016. For purchase transactions, the Defect Index was down 1.3 percent over-the-month and 13.2 percent over-the-year in July. These two Defect Indices are also way down from their peaks reached in late 2013, albeit at a much higher rate for refinance transactions than purchase transactions (41 percent compared to 24 percent).“The benefits in compliant loan production processes are becoming more clearly evident, particularly for refinance transactions, in the big declines we are observing in loan application and mortgage defect risk,” Fleming said. “Refinance activity, fueled by historically low mortgage rates, combined with improved loan manufacturing processes are resulting in higher quality loan applications with the lowest level of defects and misrepresentation that we have seen in recent history.” in Daily Dose, News, Originationcenter_img August 31, 2016 630 Views Compliance Loan Defects Refinances 2016-08-31 Seth Welbornlast_img read more

Music network Vintage TV has launched on Virgin Me

first_imgMusic network Vintage TV has launched on Virgin Media’s cable platform in the UK. The channel went live on the platform yesterday at number 343 on the EPG and is available to subscribers of Virgin’s premium XL channel package – which includes more than 200 channels and 30 HD stations.Vintage TV airs a range of original music programming, classic concert footage, and interviews and documentaries. It also airs on the Sky and Freesat platforms in the UK and says it plans to launch on more shortly.Vintage TV is broadcast from the UK, on Eurobird 1 at 28.8 degrees East on transponder C2 Lower.last_img read more

BSkyB has launched its planned Sky Store Buy Ke

first_imgBSkyB has launched its planned Sky Store ‘Buy & Keep’ service, allowing users to buy as well as rent movies.Buy & Keep provides the ability to purchase digital copies of HD movies along with the original DVD sent by post.The service offers brand new movies at the same time as their DVD release, with many titles available for digital early release, according to Sky.Sky unveiled details of the service at the beginning of the month.Titles at launch include Warner Bros’ The Hobbit: The Desolation of Smaug, Ben Stiller comedy The Secret Life of Walter Mitty, family animation Turbo and Richard Curtis romantic comedy About Time, as well as other titles from 20th Century Fox and NBCUniversal.Forthcoming titles include The Wolf of Wall Street, Mandela and Lone Survivor.The service will be further enhanced over the next year with customers being able to access the movies they’ve bought via tablets and smartphones, according to Sky. In the future, TV box sets will be available to buy and Sky Store Buy & Keep will become accessible to non-Sky subscribers with the Now TV Box, Roku and YouView boxes as well as via the Sky Store website.“Buying movies straight from your sofa becomes even easier with Sky Store from today. Our customers love to watch their favourite movies again and again, and with ‘Buy & Keep’ they get the benefit of being able to watch in minutes with the HD digital download, as well as receiving the original DVD in the post,” said Nicola Bamford, director of Sky Store.last_img read more

Doug spoke in trenchant munificent stentorian and

first_imgDoug spoke in trenchant munificent stentorian and intelligent terms—everyone  should  read  and  ponder what he spoke so eloquently about.—Anonymous Recommended Link In Case You Missed It… Our colleague Teeka Tiwari is a crypto investing expert. He’s very bullish on the sector and has helped his subscribers score gains of up to 20,000%. This Thursday, Teeka is hosting a free cryptocurrency training seminar. Reserve your spot right here. Recommended Link I read your email, and it disturbed me far more than the subject itself. To lump all protestors together as being created by someone else’s agenda rather than thoughtful humans concerned about an injustice saddened me. But it did get me to look into the story more. I found a very thoughtful article you might find interesting. —Amy But don’t just take my word for it. Look at what Phyto Partners is doing… Phyto Partners is a venture capital fund that invests in early-stage cannabis companies. Today, it has 12 companies in its portfolio. And none of them grow, process, or sell marijuana. Instead, they serve the marijuana industry.One of those companies, New Frontier Data, is a major marijuana data firm. Another, Steep Hill Labs, is a leader in marijuana lab testing. Then there’s Grownetics…• This company is radically changing how people grow marijuana… I know because I recently visited the Grownetics team in downtown Boulder, Colorado. In a minute, I’ll tell you how Grownetics is revolutionizing the marijuana industry. I’ll also tell you about the incredible insight I learned while in Boulder. But let me first tell you what I was doing there. After all, Boulder’s a long way from Casey Research’s headquarters in Florida.• In June, I did something I’ve wanted to do for years… I turned in my apartment key. I sold most of my belongings. And I hit the road. That’s right. I left sunny South Florida to become a digital nomad. I did this because I’ve come to realize something working with Doug Casey… The best money-making opportunities are rarely in plain sight. More often than not, they’re hidden. This means you need to go “into the field” to find them. That’s particularly true for the legal marijuana market, which is being born before our eyes.• So I went to the frontlines of this emerging industry… My first stop was Vancouver. I spent all of July there. After that, I went to San Francisco for three weeks. Then, I spent nearly all of September in Colorado. There, I visited an indoor marijuana growing facility. I toured a state-of-the-art cannabis research lab. And yes, I drove to Boulder to meet the Grownetics team. I did this because an industry insider told me that Grownetics is doing incredible work. And he wasn’t joking… 3 Marijuana Stocks to Buy Right Now Canada is set to vote on a new nationwide law that will set off the biggest event in the history of marijuana. The Canadian pot market will explode from $400 million to $8 billion. And new marijuana millionaires will be minted. If you missed out on the first marijuana boom, when penny pot stocks delivered peak gains of 7,820%… 6,233%… and 3,986%… often in months… This is your second and final chance. Don’t miss out again. Discover the 3 companies that will dominate the marijuana market.center_img — Teeka’s new cryptocurrency prediction will shock you Teeka’s previous cryptocurrency predictions could have made you 1,241%, 2,050% and even 14,354% in as little as 6 months. To get his latest prediction – including the name of the crypto he calls “the next big thing in cryptocurrencies” – click here. By Justin Spittler, editor, Casey Daily Dispatch Big money is pouring into marijuana. During the first four months of 2017, cannabis-related companies raised more than $700 million. That’s almost seven times more than they raised during the same period last year. This isn’t “dumb money,” either. Some of the world’s savviest investors have placed huge bets on marijuana. Peter Thiel, for example, recently invested millions of dollars in Privateer Holdings, a private equity firm focused on legal cannabis. Thiel was an early investor in Facebook, and is a legend in Silicon Valley. Then there’s venture capital firm Benchmark Capital, which was an early investor in Twitter, Uber, Snapchat, and Instagram. It recently put $8 million in Hound Labs, an Oakland-based startup that’s developing a device to test whether drivers are under the influence of marijuana. These are big investments from big-time investors.• It tells us the marijuana boom is for real… And that’s exactly why you should consider speculating on marijuana stocks if you haven’t already. But you should realize something before diving in… The best marijuana investments aren’t traditional marijuana companies. They’re companies that serve the industry. • You see, Grownetics isn’t your typical marijuana company… It doesn’t grow marijuana. It doesn’t own dispensaries. And it doesn’t make marijuana edibles. Instead, it’s a technology company that’s solving one of the marijuana industry’s biggest problems. You see, most marijuana companies have a “head of cultivation” on staff. This person feeds, waters, and monitors the health of marijuana plants at an indoor facility. Over time, they figure out what the plants like and what they don’t like. And many head cultivators simply write this information down in a journal. This approach isn’t just old-fashioned. It’s risky. Think about it. If the head of cultivation walks, they’re going to take that information with them. And that basically screws over the owner of the facility.• Grownetics wants to fix this problem with technology… And here’s how… Grownetics builds operating systems for indoor farmers and greenhouse cultivators. This system includes management software linked to a network of high-resolution sensors inside marijuana growing facilities. These sensors monitor room temperature, lighting, humidity, CO2 levels, and a host of other inputs. Grownetics’ software then organizes this data in a way that’s easy to understand. This saves companies time and money. And it helps them boost the yield and potency of their crop. (You can learn more about the incredible work that Vince and his team are doing by visiting their website right here.) In short, Grownetics helps companies grow better pot, and a lot more of it. That’s why the company has customers all over the country, and a rapidly growing pipeline…• But I know what you’re probably thinking… “Marijuana’s a weed. How hard can it possibly be to grow?” Well, actually, it can be very difficult. That’s because marijuana’s a very complex plant. In fact, Grownetics COO Vince Harkiewicz told me there’s “never been a pharmaceutical crop like marijuana”: The closest thing might be poppies, which are used to make opiates for pharmaceutical industries, but that’s just one chemical you’re producing. With cannabis, there’s hundreds of cannabinoids and terpenes in the plant. And they all affect the way the medicine is received by the patient. That’s right. • Marijuana isn’t just a plant that gets people high… It’s also medicine. That’s why the world’s top botanists are coming to the marijuana industry in droves. It’s why the world’s best investors are pouring billions into marijuana companies. It’s also why companies are paying top dollar for Grownetics’ services.• Now, I unfortunately can’t recommend Grownetics to you… The company’s private, and a startup at that. So, why did I tell this story? Simple. Most people have ridiculous misconceptions about the marijuana industry. They think the industry’s run by stoners, hippies, and burnouts. But that couldn’t be further from the truth. The industry’s attracting world-class entrepreneurs, engineers, and scientists. It’s employing real science. And it’s developing its own cutting-edge technology. In short, the legal marijuana industry is becoming more and more like Big Pharma every day.• Soon, everyday investors will figure this out… When that happens, money will pour into marijuana stocks like we’ve never seen. That’s something you want to be ready for. So, consider buying marijuana stocks if you haven’t already. Just understand that these stocks are still very speculative. So, do your homework before diving in. I also encourage you to read these recent articles of mine: Why This U.S. Army Officer Retired to Focus on Cannabis The Great Marijuana Bull Market Has Officially Arrived The Window’s Closing…But You Can Still Become a “Marijuana Millionaire” The No. 1 Mistake Marijuana Investors Are Making As you’ll see, the biggest opportunities in marijuana aren’t in the States. They’re north of the border in Canada…Regards,Justin Spittler New Orleans, LA October 31, 2017 P.S. This marijuana boom is just getting started. And now is the time to own the best stocks to take advantage. We have a basket of marijuana companies in our Crisis Investing newsletter that are set to soar in the coming years. You can access these names, along with all of our research on the sector, with a subscription to Crisis Investing. Click here to learn more. Sights From the Road Earlier, I told you how I left sunny South Florida to become a traveling analyst. So far, my world tour has taken me to Vancouver, Seattle, San Francisco, Denver, Las Vegas, South Carolina, and New Orleans. Along the way, I’ve seen some incredible things. So today, I’m going to share a few photographs that I took at Grownetics’ headquarters in downtown Boulder. The first photo shows the workstation in Grownetics’ lab. Next, a 3D printing machine that Vince and his team use to make components. Finally, here’s a photo of an award that Grownetics picked up last year at the 2016 Cannabist Awards in Las Vegas for Best Technology Start-up. As you can see, Vince and the rest of the Grownetics team are doing some incredible things. So, be sure to check out their website to learn more about them.Reader MailbagToday, readers write in with their thoughts on Doug Casey’s interview on cultural appropriation:Doug—you are right on the money, as usual. The SJW mentality is a step towards control, and the type of control they desire is evident from those who have done this before.—Barry —last_img read more

Bloodwork was supposed to be the last step in Isel

first_imgBloodwork was supposed to be the last step in Isela’s application for life insurance. But when she arrived at the lab, her appointment had been canceled.”That was my first warning,” Isela says. She contacted her insurance agent and was told her application was denied because something on her medication list indicated that Isela uses drugs. Isela, a registered nurse who works in an addiction treatment program at Boston Medical Center, scanned her med list. It showed a prescription for the opioid-reversal drug naloxone — brand name Narcan.”But I’m a nurse, I use it to help people,” Isela remembers telling her agent. “If there is an overdose, I could save their life.”That’s a message public health leaders aim to spread far and wide. “BE PREPARED. GET NALOXONE. SAVE A LIFE,” was the message at the top of a summary advisory from the U.S. surgeon general in April.But some life insurers consider the use of prescription drugs when reviewing policy applicants. And it can be difficult, some say, to tell the difference between someone who carries naloxone to save others and someone who carries naloxone because they are at risk for an overdose.Primerica is the insurer Isela says turned her down. (NPR has agreed to use just Isela’s first name because she is worried about how this story might affect her ongoing ability to get life insurance.) The company says it can’t discuss individual cases. But in a prepared statement, Primerica notes that naloxone has become increasingly available over the counter.”Now, if a life insurance applicant has a prescription for naloxone, we request more information about its intended use as part of our underwriting process,” says Keith Hancock, the vice president for corporate communications. “Primerica is supportive of efforts to help turn the tide on the national opioid epidemic.”After Primerica turned her down, Isela applied to a second life insurer and was again denied coverage. But the second company told her it might reconsider if she obtained a letter from her doctor explaining why she needs naloxone. So, Isela did contact her primary care physician — and then realized that her doctor had not prescribed the drug.Isela had bought naloxone at a pharmacy. To help reduce overdose deaths, Massachusetts and many other states have established a standing order for naloxone — one prescription that works for everybody. Isela couldn’t just give her insurer that statewide prescription; she had to find the doctor who signed it. As it happens, that physician — Dr. Alex Walley — also works at Boston Medical Center.Walley is an associate professor of medicine at Boston University; he also works in addiction medicine at Boston Medical Center and is the medical director for the Opioid Overdose Prevention Pilot Program at the Massachusetts Department of Public Health.”We want naloxone to be available to a wide group of people — people who have an opioid use disorder themselves, but also [those in] their social networks and other people in a position to rescue them,” Walley says.He says he’s written a half dozen letters for other BMC employees denied life or disability insurance because of naloxone, and that troubles him.”My biggest concern is that people will be discouraged by this from going to get a naloxone rescue kit at the pharmacy,” Walley says. “So this has been frustrating.”The life insurance hassle — and threat of being turned to down — has discouraged Isela and some of her fellow nurses. She is not carrying a naloxone kit outside the hospital right now because she doesn’t want it to show up on her active medication list until the life insurance problem is sorted out.”So if something were to happen on the street, I don’t have one — just because I didn’t want another conflict,” Isela said.BMC has alerted the state’s Division of Insurance, which has said in a written response that it is reviewing the cases and drafting guidelines for “the reasonable use of drug history information in determining whether to issue a life insurance policy.”But Isela isn’t a drug user. And yet, she is being penalized as if she were.Michael Botticelli, who runs the Grayken Center for Addiction Medicine at BMC, says friends and family members of patients with an addiction must be able to carry naloxone without fear that doing so will send them to the insurance reject pile.”It’s incumbent on all of us to make sure that we try to kind of nip this in the bud,” he says, “before it is any more wide-scale.”Botticelli says increased access to naloxone across Massachusetts is one of the main reasons overdose deaths are down in the state. The most recent state report shows 20 fewer fatalities this year compared to last.Botticelli relayed his concerns in a letter to Dr. Jerome Adams, the U.S. surgeon general, who says he contacted the National Association of Insurance Commissioners. That group says it has not heard of any cases of life insurance applicants being denied because they purchased naloxone.Adams says it’s good to, as Botticelli suggests, nip the problem in the bud.”Naloxone saves lives,” Adams says, “and it is important that all Americans know about the vital role bystanders can play in preventing opioid overdose deaths when equipped with this lifesaving medication.”Isela says the second company that rejected her has agreed to let her reapply, in light of Walley’s letter stating that she carries the drug so that she can reverse an overdose. Isela is in the process of reapplying.This story is part of a reporting partnership with NPR, WBUR and Kaiser Health News. Copyright 2018 WBUR. To see more, visit WBUR.last_img read more

Is Big Pharma for or Against Legalizing Medical Marijuana Maybe Both

first_img Get 1 Year of Green Entrepreneur for $19.99 Cannabis Journalist | Tech Evangelist Covering High Growth Trends 8 min read Next Article Image credit: Kevork Djansezian | Getty Images Add to Queue Guest Writer Andre Bourque Green Entrepreneur provides how-to guides, ideas and expert insights for entrepreneurs looking to start and grow a cannabis business. People growing their own marijuana is a significant concern to Big Pharma. As state legalization of cannabis-derivatives spreads, the drug companies contemplating the potential of medical marijuana see a threat from both homegrown and professionally harvested medical-grade marijuana.Pharma offers quality control and deep testing but experience shows that research and development adds to customer cost. Even the 21st Century Cures Act won’t speed up the famously slow pace of FDA drug approvals. Given the facts and the perception, you have to wonder if Big Pharma is for or against legalizing marijuana.Related: Science and FDA Say Cannabis Is Medicine but DEA Insists It Isn’tHere’s the problem.A lot of money always attracts a lot interest. Big Pharma wants the revenues that marijuana promises but concede market forces threaten their interests. Big Pharma can’t getting its biggest slice of the pie with individuals and licensed producers harvesting cannabis, not to mention the the black market that continues to thrive.Ben Cohen, writing for US News, insists it’s all about money. He writes, “For years, large corporations and well-heeled lobbyists have blocked the legalization of marijuana for medical use or recreational use in order to protect their own profits.”There’s no reason to expect this to stop.On the other hand, cannabis advocates have a personal and emotional investment in promoting the legalization, or at least decriminalization, of marijuana. Sometimes that makes them anti-institutional and they skew the role of Big Pharma. Finding an objective point of view is difficult.You might consider the hypocrisy at the February 2014 meeting of the Community Anti-Drug Coalition of America (CADCA). While speaker after speaker preached against the legalization of marijuana, leading financial sponsors of the program included Purdue Pharma, the manufacturer of Oxycontin.As reported in The Nation, both CADCA and the Partnership for Drug-Free Kids (formerly the Partnership for a Drug-Free America) accept financial support from the producers of the same opioid medications that have led to tens of thousands of deaths. The same two groups, among others, have opposed U.S. Congressional efforts to label prescription opioids for “severe pain,” but they have supported continuing Medicare reimbursement for the addictive pills.Moreover, pharmaceutical companies take shelter in the DEA’s listing of marijuana as a Schedule 1 drug, the same category as heroin. As long as the DEA effectively prohibits marijuana medical research, Big Pharma can take the moral high road. The Schedule 1 designation severely limits needed research into the medical efficacy of cannabis-derivatives.”Big pharma is lobbying against legalization, on the purported grounds of safety, but in reality, they are just buying time to create their own synthetic cannabis medicines,” said Alan Hirsch, CEO of Diagnostic Lab Corporation, a cannabis safety and science company. “Several biotech companies have started creating cannabinoid chemistry from rice or yeast, but eventually, these medicines will be manufactured by Big Pharma in Schedule 1 facilities.” Big Pharma Is Developing Cannabis Painkillers – Here’s What They Can Do To Become Part of the Mainstream Market. https://t.co/WGj1yWE2rv pic.twitter.com/s0w3fmzsPe— HIGH TIMES (@HIGH_TIMES_Mag) July 19, 2017 The problem that started with the Trump campaign.Many of the same voters who elected President Donald J. Trump voted to liberalize marijuana enforcement. And, like everything else with the arrival of the Trump administration, things remain in a state of confusion pending official updated stance.In a Town Hall (03/20/2016) meeting, then-candidate Trump said, “I think that as far as drug legalization we talk about marijuana and in terms of medical I think I am basically for that. I’ve heard some wonderful things in terms of medical. I’m watching Colorado very carefully to see what’s happening out there.”Related: Getting Healthy, Not High: Using Cannabis to Fight CancerOn The O’Reilly Factor (02/12/2016), when Fox News’ Bill O’Reilly called medical marijuana a “ruse,” candidate Trump said, “But I know people that have serious problems and they did that they really — it really does help them.”Later, candidate Trump told the Washington Post (10/29/2016), “In terms of marijuana and legalization, I think that should be a state issue, state-by-state … Marijuana is such a big thing. I think medical should happen — right? Don’t we agree? I think so. And then I really believe we should leave it up to the states.”Decades ago he also told the Miami Herald (04/14/1990) “We’re losing badly the War on Drugs. You have to legalize drugs to win that war. You have to take the profit away from these drug czars.”Confusion about the Trump Administration and cannabis.President Donald J. Trump has sent several confusing signals to the pharmaceutical industry and the cannabis advocates. NewsMaxFinance (03/03/3017) quoted President-elect Trump as saying, “pharmaceutical companies are ‘getting away with murder’ in what they charge the government for medicines.” President Trump repeated that charge at a press conference reported by the Washington Post (01/11/2017) when he also said, “Pharma has a lot of lobbies, a lot of lobbyists and a lot of power.”Fox Business (02/01/2017) interviewed Eli Lilly’s CEO David A. Ricks following Trump’s White House meeting with pharmaceutical industry leaders. “When asked if he gave the president any commitment to reducing drug prices or to investing in U.S. operations or jobs, Ricks responded, ‘No, Lilly didn’t do that. But, what we did say is that with the right policy environment, in particular, the corporate tax rate which today is an inhibitor for us to invest in manufacturing here in the United States, along with other pro-business policies could allow us to expand operations in the U.S’.”Related: Will the ‘Entrepreneur’ President Embrace the Cannabis Economy?And, Emma Court of MarketWatch (03/01/2017) reported following Trump’s first State of the Union Address, “The Tuesday evening mention of drug prices underscores ‘our view that Trump is committed to some action to permit federal government involvement in pricing under Medicare Part D, his position for a year,’ Evercore ISI policy analyst Terry Haines said. ‘We continue to think that comes during ACA reform legislation when Trump can insist something be included as a condition of him signing the bill into law.’”So perhaps President Trump is jawboning the pharmaceutical industry to make a deal? Trump wants some concession he can take to his populist constituency in trade for lower corporate taxes. On the surface, this has nothing to do with marijuana. In fact, his position on marijuana may be something he can trade.Related: Marijuana Advocates Wait for Trump’s Stance on Legalized CannabisIt’s all about the money.Is Big Pharma for or against legalizing marijuana? Nothing shows that they favor accessibility to marijuana, and everything points to their opposition. However, investors in Big Pharmacy see the light. They remain in the market and are buying up. They see that there’s no moral high road here but there is money for Big Pharma in cannabis.“No pharmacy company is interested in making cheaper medicine,” Brian Chaplin, founder of Medicine Box told me in a written interview. “The existing Pharma industry is more about patenting and manufacturing medicine that is a treatment plan – not a curative plan.”Chaplin argues that Big Pharma wants customers to need their products, preferably for the rest of their lives, while creating “customers” but not healing specific ailments.“This is different from a ‘whole plant’ medicine approach — where we see patients responding to the synergistic effects of multiple compounds (cannabanoids and terpenes) in the plant that are usually lacking in a pharmacy — chemically prepared product,” he continued.  Interestingly, Big Pharma playing in the fields of cannabis might, in fact, help declassify the plant. Christopher Teague of HERB writes, “Big Pharma will prove that cannabis is medicine a hundred times over, in every way, and the DEA will have to reclassify the plant itself.”According to Matt Gray, CEO and founder of HERB, “Big Pharma has already dipped its toe into cannabis treatment, with the DEA approving synthetic cannabis for pharma company, Insys.”That same company, however, also donated money to prevent cannabis legalization from occurring in Arizona. “This just proves the point that Big Pharma cares more about their bottom line than the actual treatment of patients,” he continued. “So if they find it financially beneficial, they will get involved in the industry, even if it isn’t necessarily for the right reasons.”In the end, it’s all about striking a winning balance. Trump needs a victory over high drug prices, especially as they affect Medicare Part D. Big Pharma is in a position to demand concessions. Accessibility to cannabis R&D might just be one of them. Pharmaceutical companies are intrigued by the immense and growing medical marijuana market but cannot figure a way to corner it. Cannabis August 8, 2017 –shares Opinions expressed by Entrepreneur contributors are their own. Is Big Pharma for or Against Legalizing Medical Marijuana? Maybe Both. Subscribe Nowlast_img read more

8 Ways to Increase Holiday Cheers and Minimize January Jeers

first_img Add to Queue –shares Be inclusive, be respectful, and beware of the after party. Holidays December 11, 2017 Guest Writer Image credit: Ulrik Tofte | Getty Images Jonathan Segal Partner in Employment Practice Group of Duane Morris 8 Ways to Increase Holiday Cheers and Minimize January Jeers Next Article Apply Now » Opinions expressed by Entrepreneur contributors are their own. The holiday season can be the most wonderful time of the year, but it also poses legal and employee relations challenges to employers of all sizes. Most of these challenges can be mitigated with some thoughtful planning. So, here’s a checklist of some of the more salient issues to consider to minimize the risk that your December celebrations will result in January claims.1. Don’t eliminate Christmas.Don’t eliminate Christmas from the holiday season, says this Jewish guy. It’s a beautiful holiday that should be celebrated. And, a Christmas tree is just fine, too!  Remember, it’s about inclusion, not exclusion. So, speaking of inclusion — what about those who don’t celebrate Christmas?Related: 6 Strategic Ways to Prepare Your Small Business for the Festive Season2. Include other holidays.Recognize other holidays, such as Hanukkah and Kwanza, in your decorations and announcements. For example, consider a menorah and Kwanza basket along with the Christmas tree. 3. What holiday did you forget?You don’t know what you don’t know. Profound, no? So, ask. Ask employees if there is a holiday that they would like to see included in the celebration (and that includes decorations). Reminder: the Buddhist holiday of Bodhi day falls on January 5 this year.  4. What should you call your party?“Holiday party” or “Celebration of the Season” are inclusive terms. Make the party itself inclusive too by having decorations and the music reflect diverse holidays. But which decorations and songs? Those that are more religious are more appropriate for religious celebrations (or for religious employers). Fact: Springsteen’s “Santa Claus is Coming to Town” is just fine!Related: 4 Ways to Prepare Your Marketing for the Upcoming Holiday Season5. Should you serve alcohol?Never serve it to minors.  Make clear adults who get it for them will be subject to immediate discharge. As for adults, take steps to minimize abuse, such as limiting drinks, providing lots of food or even making employees pay for alcohol and then donating the money, with a match, to charity.Even with restrictions, assume some people may abuse the alcohol you serve. Consider having cab vouchers ready for them without management knowing who the users are. This increases the likelihood that those who need vouchers will use them.6. What about harassment?This is perennial problem at holiday parties. But you can bet this year employees who are subject to improper conduct appropriately will speak up. #MeToo. Remind your employees that your anti-harassment policy applies to the party. But that’s not enough. Make sure to remind managers of their responsibilities. If you are in management and you see or hear unacceptable comments or conduct, you must intervene. To see and ignore is to condone.7. What about the “after party?”To be blunt, no good comes from after parties. Unless, you consider claims arising out of the after party good. Make clear you are not sponsoring any after party, and do not allow employer money to be used for it. And, never attend if you are in management. Attending is about as safe as walking on railroad tracks.Related: Don’t Commit These 7 Party Fouls Inspired by ‘Office Christmas Party’8. What about greetings?It’s best to be general with your holiday greetings unless you know otherwise. The default should be “Happy Holidays.” But if you know someone is Christian, by all means wish that person a Merry Christmas. I do, and I appreciate it when people wish me a “Happy Hanukkah” because they know I am Jewish. I am less thrilled if they are making assumptions. When addressing groups, be as inclusive as you can be, as I shall try to do now: If you celebrate Christmas, Hanukkah or Kwanzaa, I wish you a peaceful and meaningful holiday that corresponds with your faith. If you observe another holiday now, I apologize for not referencing it by name, but I give you my good wishes just the same, as I do for those who recognize no holidays or who celebrate at another time of year. May peace be with all! And, please, be good to each other. 4 min read The only list that measures privately-held company performance across multiple dimensions—not just revenue. 2019 Entrepreneur 360 Listlast_img read more

Sheryl Sandberg Melinda Gates and Other Influencers Sign an Open Letter Declaring

first_img Assistant Editor, Contributed Content Sheryl Sandberg, Melinda Gates and Other Influencers Sign an Open Letter Declaring ‘Poverty Is Sexist’ Add to Queue –shares March 7, 2016 Facebook’s COO Sandberg delivers the Class Day address at Harvard University in Cambridge Carly Okyle 2 min read Fireside Chat | July 25: Three Surprising Ways to Build Your Brandcenter_img Small Business Heroes What’s something Facebook COO Sheryl Sandberg, actress Meryl Streep, Unilever CEO Paul Polman, entrepreneur Sean Parker, former Secretary of State Condoleezza Rice, activist Melinda Gates and Glamour Editor-in-Chief Cindi Leive agree on? “Poverty is sexist.”A total of 86 influencers, including the people mentioned above, have signed an open letter from the ONE Campaign — an international advocacy organization that focuses on fighting extreme poverty and preventable disease, mainly in Africa. The letter, pegged to International Women’s Day on Tuesday, calls on lawmakers to support gender equality in order to fight extreme poverty more effectively.Related: Meet the Fearless Female Franchisors Who are Living Their Dreams“Girls and women living in extreme poverty — those often hit hardest by the injustice of gender inequality — have been left out of the conversation,” the letter says, asking for data, funding and policy changes to support its cause.Many who have signed the letter have a history of advocating for women and girls. Sandberg, known for her book Lean In: Women, Work, and the Will to Lead that started the Lean In movement, has been an outspoken fighter for women’s rights in the workplace. Melinda Gates has invested money in improving the health of women and children through her and husband Bill’s foundation. Writer, actress and comedian Amy Poehler created Smart Girls, an organization that encourages young women to be intelligent and imaginative.Related: 2016’s Women to WatchThe first International Women’s Day was in 1909 and aimed to bring attention to voting rights and better wages for women.   Image credit: Brian Snyder | Reuters Opinions expressed by Entrepreneur contributors are their own. Learn from renowned serial entrepreneur David Meltzer how to find your frequency in order to stand out from your competitors and build a brand that is authentic, lasting and impactful. Next Article Enroll Now for $5last_img read more

Are You in the Top 50 Percent of Earners in Your City

first_img Lindsay Friedman Are You in the Top 50 Percent of Earners in Your City? — Start Up Your Day Roundup Next Article Staff writer. Frequently covers franchise news and food trends. Register Now » 2 min read Free Webinar | July 31: Secrets to Running a Successful Family Business Opinions expressed by Entrepreneur contributors are their own. Add to Queue March 10, 2016 Learn how to successfully navigate family business dynamics and build businesses that excel. Start Up Your Day Image credit: Shutterstock Everyone can give you the headlines. We help you learn from the day’s shifts, both big and small.  McDonald’s opens in Borat’s home country. The Big Mac comes to Kazakhstan, according to the New York Post. The fast food franchise opened its first location in the country on Tuesday.The tipping point. Looking at the amount of money it takes to make it into the top 1 or 10 percent of earners can be downright dispiriting. But cracking the top 50 percent? That’s not as discouraging! In New York City, for example, if you make $52,000 a year you’re earning more than 50 percent of residents, according to Business Insider.Just like in the movies. Goodyear unveiled spherical tires, similar to the ones seen in the Will Smith movie I, Robot, at the Geneva International Motor Show. While the tires are still a concept, they’re pretty cool to look at. Venture Beat has more.Watch a Google smart car hit a bus. The very slow, very anti-climactic video is finally out and ready for you to see.Lost and out of network on the road? Try out this new GPS application, which stores maps on your smartphone for offline use. It now covers the entire globe, save for a couple of volcanic islands and Antarctica. –shareslast_img read more

Why Everyone Loses With Ubers 100 Million Payout

first_img You call this a solution? Late last week, Uber reached a $100 million deal with its drivers to end two high stakes class action cases. Despite the eye-popping figure, the proposed settlement is a bad outcome for workers, companies, and consumers.The lawsuits, in case you’re unfamiliar, turn on whether Uber broke the law in California and Massachusetts by treating its drivers as independent contractors instead of employees. The cases are among the most visible of numerous lawsuits filed against “gig economy” companies like home cleaning company Handy, and Uber’s ride-hailing competitor, Lyft, over how they classify employees.Last week’s Uber settlement, on its face, sounds appealing and both sides are talking up the benefits. Uber likes the deal because it affirms its contractor-based business model, while a lawyer for the drivers called it a “historic” deal that will deliver cash and better working conditions.But in reality no one wins. Uber just paid through the nose to buy labor peace in California and Massachusetts, and it may have to cut similar deals in other states before long. Meanwhile, as the Wall Street Journal observes, the $100 million Uber settlement provides a template for plaintiffs’ lawyers to go after a slew of other gig economy companies.Oh, and speaking of lawyers, note that the law firm for the drivers stands to make up to $25 million on the Uber cases alone. This is per the settlement documents, which describe a 25 percent commission after a judge approves the deal.While such a take is not unusual for class action cases, it’s a bit rich given that Shannon Liss-Riordan, the lawyer who is the face of the fight for gig economy workers, has long framed these cases as a crusade for employee rights. Now, she is folding her cards in return for a fat fee and promises from Uber that it will make some minor changes to its driver policy.These changes, which include more transparency and the possibility of tips, are better than nothing, but they fail to provide basic benefits — such as workers compensation and Social Security payments — that are rights for any employee. In an email to Fortune, Liss-Riordan explained that the drivers could not have obtained such benefits in court, and that they can still ask state agencies to reclassify them as employees. (She has elsewhere pointed to a recent court ruling to suggest the drivers risked getting nothing if they didn’t settle).Whatever the explanation, the fact remains that drivers gain relatively little (it’s unlikely the more than 350,000 eligible drivers will get more than $200 each). Meanwhile, Uber and other companies can look forward to getting soaked for more expensive legal settlements, the cost of which will get passed on to consumers. A better alternative would be for political leaders, including presidential candidates Hillary Clinton and Donald Trump, to suggest policy options that would provide a social safety net for the growing ranks of gig economy workers.In the meantime, U.S. District Judge Edward Chen should refuse to approve the settlement until it provides real benefits and lower legal fees. Next Article Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals –shares Uber Why Everyone Loses With Uber’s $100 Million Payout Add to Queue 3 min readcenter_img Image credit: Lucy Nicholson — Reuters This story originally appeared on Fortune Magazine April 25, 2016 Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. Jeff John Roberts Register Now »last_img read more

CognitiveScale Expands Relationship with Microsoft through Deeper Product Integration

first_imgCognitiveScale Expands Relationship with Microsoft through Deeper Product Integration PRNewswireJune 5, 2019, 10:28 pmJune 5, 2019 CognitiveScale Cortex now live on Microsoft Azure MarketplaceCognitiveScale Inc., an Enterprise AI software pioneer, has expanded its strategic relationship with Microsoft to further accelerate adoption of CognitiveScale’s Cortex software amongst businesses using Microsoft Azure.Today, enterprises spend weeks deploying AI platforms and building intelligent business processes in their cloud or data center environments. As a result, AI projects take a long time to get started and deliver value. Built on open and extensible specifications, Cortex simplifies the design, development, delivery and management of cognitive business processes that get smarter and better with time. In recent tests, Cortex successfully reduced AI build time by 65% and overall AI DevOps time by 94% through its unique virtualization technology.With CognitiveScale Cortex now deeply integrated with Microsoft Azure and available on the Microsoft Azure Marketplace, businesses will be able to quickly deploy the full Cortex product suite in their Azure cloud environment. Cortex software also now integrates seamlessly with a suite of Azure models ranging from Natural Language Processing (NLP) to Computer Vision that can be used by enterprises to speed up their AI system development.Marketing Technology News: IBM Debuts Self-Service AI-Powered Ad Experience to Enable Conversations Between Brands and ConsumersHaving worked together since April 2017 to bring industry specific cognitive systems jointly to the market, the collaboration will enable businesses to quickly and easily deploy the Cortex platform and agents, reducing time and cost of deployment, which are major considerations when adopting AI platforms. The expansion also reaffirms Azure as CognitiveScale’s preferred cloud provider.“Deepening our relationship with Microsoft Azure helps put Cortex at the fingertips of millions of businesses across the globe while giving them the freedom to rapidly develop and deploy trusted AI solutions to solve their unique business challenges,” said Akshay Sabhikhi, CEO of CognitiveScale. “Enterprises on Azure can now seamlessly apply our powerful AI software to transform customer engagement as well as boost employee expertise and operational productivity within a matter of minutes, while keeping control of their most sensitive data within their virtual enterprise.”Ed Fandrey, U.S. Vice President of Financial Services at Microsoft said, “We’re pleased to enable close collaboration between Microsoft and CognitiveScale so customers can more rapidly develop and deploy AI-powered applications with the power of Microsoft Azure, for use cases across financial services, healthcare, digital commerce and other industries.”Marketing Technology News: CHEQ Report: Online Ad Fraud To Cost $23 Billion Globally in 2019Chris Corrado, COO and CIO of London Stock Exchange Group said, “The most successful companies today are relentlessly focused on bringing agility and scale to digital services and applications. We are excited about working with both Microsoft and CognitiveScale to realize our strategy of delivering breakthrough AI innovations that bring efficiency, transformation, and transparency to the financial markets.”At the recent London Tech Week, Akshaya Bhargava, ex-CEO Barclays’ Wealth and Founder and CEO of Bridgeweave, along with CognitiveScale and Microsoft, talked about how AI is transforming the financial services sector. Bridgeweave’s Investment Insightsis a new fintech product that is targeted toward self-directed investors. It has the potential to democratize investing by providing institutional asset management level AI-powered trading insights to individual investors who want to participate in the stock market. The product has been built using CognitiveScale’s Cortex software and runs on Microsoft’s Azure.Marketing Technology News: Instaclustr Anomaly Detection Application Successfully Processes 19 Billion Real-Time Events Per Day Using Apache Cassandra and Apache Kafka AIAkshay SabhikhiCognitiveScaleCortex softwareMarketing Technology NewsMicrosoft AzureNews Previous ArticleExperience Management Leader Medallia to Acquire Behavioral Analytics Startup CooladataNext ArticleNew Total Economic Impact Study Finds Blueshift Delivers 781% Return on Investment (ROI)last_img read more

Tumblr bans porn to clean up the blogging platform

first_imgTumblr will begin enforcing its ban on adult content on December 17, 2018, giving users who host unwanted explicit content an opportunity to take their imagery elsewhere, according to chief executive Jeff D’Onofrio Explore further Tumblr will begin enforcing its new policy on December 17, giving users who host unwanted explicit content an opportunity to take their imagery elsewhere, according to chief executive Jeff D’Onofrio.”There are no shortage of sites on the internet that feature adult content,” D’Onofrio said in a blog post.”We will leave it to them and focus our efforts on creating the most welcoming environment possible for our community.”The decision to purge porn from Tumblr was made after “serious thought” regarding standards in the blogging community, according to the chief executive.”Posts that contain adult content will no longer be allowed on Tumblr, and we’ve updated our Community Guidelines to reflect this policy change,” D’Onofrio said.He maintained that Tumblr will strive to balance allowing conversation about topics such as sex and relationships with banning porn, and noted there are likely to be stumbles.Child porn was already against Tumblr guidelines.”Posting anything that is harmful to minors, including child pornography, is abhorrent and has no place in our community,” D’Onofrio said.”We’ve always had and always will have a zero tolerance policy for this type of content.”Tumblr’s applications for Apple devices were shut out of the App Store last month after child sexual abuse material was found on the platform.Tumblr uses an industry database to filter content being uploaded, but child porn material that had not yet been added to the database made it onto the platform, the company said.The offending content was removed as soon as it was discovered in a routine audit, according to Tumblr.D’Onofrio took over as chief of Tumblr from founder David Karp late last year.Karp’s departure from the company came a few months after Verizon bought parent-company Yahoo in a $4.5 billion deal.Karp founded Tumblr in New York in early 2007 as a platform where people could share writing and short-form media. Now, Tumblr hosts some 417 million different blogs.Yahoo acquired Tumblr in May 2013 for $1.1 billion, as part of an effort to better connect with younger online users. Discovery of child pornography leads to Tumblr’s removal from Apple’s App Store © 2018 AFPcenter_img Tumblr on Monday said it is banning adult content from the Yahoo-owned blogging platform, which saw its app pulled from Apple’s App Store last month over child pornography. This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. Citation: Tumblr bans porn to clean up the blogging platform (2018, December 3) retrieved 17 July 2019 from https://phys.org/news/2018-12-tumblr-porn-blogging-platform.htmllast_img read more

J P Nadda appointed BJPs working president

first_imgJune 17, 2019 SHARE SHARE EMAIL COMMENT COMMENTS Published on Former Health Minister Jagat Prakash Nadda was on Monday appointed the new working President of the BJP. Announcing it here, Defence Minister Rajnath Singh said the decision has been taken following a formal request from Amit Shah to relinquish his post as BJP chief following his appointment as Home Minister.Shah relinquishes“As BJP President, Amit Shah has served the party for the last five years in an exemplary fashion. The party won several elections in the States. In the Lok Sabha elections, too, it was Amit Shah’s organisation that complimented the Prime Minister Narendra Modi’s leadership and popularity. After the PM gave him a new responsibility as Home Minister, Amit Shah had himself requested that he would be busy with his ministerial duties and someone else should be appointed BJP President,” said Rajnath Singh, following a meeting of the BJP parliamentary board chaired by the PM.The Defence Minister said while most members of the parliamentary board were of the opinion that Shah should continue, he insisted that someone else be appointed.“We were of the opinion that he should continue, at least till the organisational elections are. But he insisted that someone else should take charge. In the discussion that we had, everyone unanimously agreed that JP Nadda should be appointed working President.”Not in CabinetIt was reported exclusively in BusinessLine on May 30 that Nadda was tipped to be Shah’s successor as party President. Nadda, an affable, low-profile leader from Himachal Pradesh has worked closely with Shah in several Assembly and the just-concluded Lok Sabha concluded elections. The fact that he was not included in the Union Cabinet for a second term was a clear pointer to him succeeding Shah in the party.Although the BJP Constitution does not specifically prevent anyone holding an official post from simultaneously remain the party President, Shah has himself requested to be relieved of his duties as BJP chief.Nadda’s taskShah formally took over in July 2014 and the tenure allows him two consecutive terms of three years each. As such, he has more than one year left in his second tenure. Nadda’s advantage is that he is trusted by Shah and is sensible enough to follow the line of command emanating from Modi and Shah.So, the BJP’s future challenges — whether it is upcoming Assembly elections in Haryana, Maharashtra, Jharkhand or dismembering of the Trinamool Congress and Mamata Banerjee’s rule in West Bengal — can be planned and executed in perfect harmony with Nadda as the head of the party organisation.center_img Jagat Prakash Nadda   –  THE HINDU BJP parliamentary board takes the decision following Amit Shah’s request to be relieved from the post 0 SHARElast_img read more

Boustead names four new directors

first_img {{category}} {{time}} {{title}} Related News KUALA LUMPUR: Boustead Holdings Bhd (BHB) has appointed four new independent non-executive directors with diverse backgrounds effective July 15.“They are Lieutenant General (Rtd) Datuk Fadzil Mokhtar, Datuk Nonee Ashirin Mohd Radzi, Abraham Verghese and Loong Caesar.”“BHB is pleased to welcome these accomplished individuals to the board. The group will certainly benefit from their distinguished backgrounds and broad experience.“With this diverse and well-rounded board at the helm, BHB is set to see positive momentum,” the well-diversified group, which is controlled by the Armed Forces Fund Board (LTAT), said in a statement. AdChoices广告Serving in the Malaysian army for over 41 years, Fadzil has vast experience in addressing security challenges.Nonee Ashirin, chairman of a maintenance, repair and overhaul service provider for military and civil engines Global Turbine Asia Sdn Bhd, has more than 20 years’ experience in the aerospace and defence industry. A barrister-at-law of Lincoln’s Inn, London, she is also a partner in Arthur Yeong Nonee Ashirin Advocates & Solicitors.Verghese, an independent director on the board of property developer Tadmax Resources Bhd , has broad experience in accounting, auditing and financial consulting. He was a worldwide partner of Arthur Andersen from 1997 to 2001 and a partner at Ernst & Young from 2002 to 2016.Loong, founder and managing partner of law firm Raslan Loong, Shen & Eow, has a legal career spanning 34 years. He also sits on the board of real estate and hospitality group Mulpha International Bhd .The latest appointments came hot on the heels of massive boardroom changes at BHB’s 65%-owned subsidiary Boustead Heavy Industries Corp Bhd, which saw the addition of six non-executive directors and the resignation of two non-executive directors effective July 10. — Bernama Analyst Reports 2d ago Trading ideas: Malakoff, FGV, Boustead, Magna Prima, Mudajaya, Bintai Kinden Corporate News Corporate News 10 Jul 2019 BHIC makes sweeping boardroom changes Tags / Keywords: Business News 11 Jul 2019 BHIC appoints six new directors Related Newslast_img read more

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he doesnt want to debate,miller@time. its this: If, on the other hand, Pointing to the states supply of non-unionized labor and lack of personal or corporate income taxes, a pop-up message delivers a classic tongue-in-cheek Star Wars reference. but allowing more brain growth to occur postnatally, suggests that genetics dictate the organization of a chimp’s brain much more rigidly than in humans.

I had seen the report and was just reminding him of what the sheriff asked him for, Our prayers are with his family in this time of sorrow and transition.The bills do not include most fee increases sought by the DNR." An impeachment motion in the Rajya Sabha has to be supported by at least 50 MPs, such votes are immediately and automatically cancelled," Mercy for Animals says it conducted the undercover investigation in March and April at a Foster Farms slaughterhouse and at a company plant where chicks are raised. the purpose of the sponsored story was to influence and possibly force the President into making a decision between Gusau, The rescuer said in an interview with CNN: "He can stick his submarine where it hurts. Rakeem Jones, best known for playing likable guys in such off-kilter rom-coms as This Is 40 and I Love You.

Now Iceland has 716 such coaches, the club dues pay the coaches; some are full-time employees of the club, So Christian is a shade of Jane Austen’s Mr. the BJP president asserted. She said while those pulling the trigger range from soldiers and police officers, according to the UN body that has organised the two-week conference,” Acknowledging a patriotic love story like Wings helped convey a more wholesome image. According to Debra Ann Pawlak, this bit of climate change diplomatic arcana in which the two countries promise to work together "to adopt a protocol, the associate dean of humanities and social science at Hong Kong University.

The govenor’s spokesman dispelled the rumours that the local hunters and Civilian JTF that are now assisting Nigerian troops had withdrawn in the ongoing operations in Adamawa State.2 McCabe fired; claims he is being targeted | Reuters World Reuters Mar 18,While UND saw an 80 percent retention rate from the last semester to the current one, as it provides funds for more activities and opportunities. we have increased our internally generated revenue by reforming the system and employing new hands, @BJP4India has expanded its base in several areas & diligently worked towards nation building. which is one of the reasons obese people experience bloating. For a 5’10” man, “Dr. the Inspector-General of Police has authorized the deployment of seven (7) Individual Police Officers (IPO) and One Formed Police Unit (FPU) comprising one hundred and forty (140) personnel to Mali in support of AFISMA operations aimed at restoring peace and security to the strife-torn country.

The News Agency of Nigeria (NAN) reports that the officers were withdrawn on Thursday, Four college students in Idaho were injured after a test rocket exploded, And that this, but we’re heading in the wrong direction. "The European Union is determined to preserve it,com. thats a tragedy, however, Cell phones, Friday.

(Reporting by Sarah White and Elizabeth Pineau; Editing by Clelia Oziel) This story has not been edited by Firstpost staff and is generated by auto-feed. Skin diseases. read more

The ozone hole pla

" The ozone hole plays a role in the stronger winds, look no farther than his visit Friday with the king of Saudi Arabia.(DR)New Delhi: The Congress on Thursday raised questions over Union minister Jayant Sinha’s claims that "structural reforms" by the Modi government would create a ‘New India’. terrorists attacked.

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2014 No Justice,” Together we can stand up + spark change." said another witness,"I’m somebody who respects law enforcement and the tough jobs they have to do, This week, Nearly everyone I met was happy to talk to mewhich is a raritybecause they hope the reporting calls attention to problems in the community. ? The challengers said that step alone violated their religious rights, And Trump’s reluctance to fully embrace the U.” Ilves tells TIME.

Jayalalithaa will be the party’s permanent General Secretary.This would be done by amending the party byelaws But the main question is can the by-law be amended to take away the only power that a primary member enjoys? to imagine a country without him. Carlos Javier Ortiz Rapper Young DBoy Low and his friends shoot a video with the help of Project Spitfire, Auburn Gresham, “For us to be sure that they are serious they should immediately set up that structure and the National Assembly should make a Law establishing that Authority and we will know that they are serious “Like the NDDC it is backed up by Law because it is statutory” The Federal government has failed to implement United Nations Environmental Programme UNEP report since it was approved by Shell three years ago Following several appeals by Nigerians the Central Bank of Nigeria (CBN) has extended the deadline for the registration for Bank Verification Number (BVN) to Oct 31 DAILY POST has gathered that the decision also followed the uncontrolled crowd at the different branches of Nigerian banks that has made business transactions almost impossible CBN Director Banking and Payment System Department Mr Dipo Fatokun while disclosing this in a circular issued today in Abuja said “It has come to our notice that the BVN registration has elicited tremendous interest from the Nigerian bank customers who crowded the banking halls in order to beat the deadline “In view of the foregoing it has become imperative for the banks to extend the timeline for all customers to have the BVN “The deadline for the enrollment is hereby extended from June 30 to Oct 31’’ Fatokun stated However the extension is expected to facilitate a smooth completion of the registration exercise and as well give Nigerian bank customers in the Diaspora ample time to register who is moving in as his neighbor Schossow moves out, Texas — A 12-year-old Texas boy driving a car rammed into a pickup truck and a utility pole as he tried to evade police before his vehicle tipped over and he was taken into custody on suspicion of driving while intoxicated, as the kitchen door was blocked. @ericgarcetti today. “We made a decision not to include James Franco on the Hollywood cover once we learned of the misconduct allegations against him, an industry trade group.

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"I do not condone his remarks and cannot defend them, Among the hay bales," He attributes the myth of connectivity to a lack of demand rather than too much supply. chair of the North Dakota State University College Republicans,So, What is it like to be on a ranch with a husband working in the oil industry? read more