In the COVID-19 crisis: Is a credit union right for you?

first_img continue reading » Today, consumers have more banking choices than ever when it comes to how and where they’ll manage their money: traditional brick-and-mortar banks, online-only banks, robo-advisors, fintech apps. Another option is the credit union—a financial institution that can range from small and local, to truly national in scope.For consumers who have become jaded about the banking industry, the promises of credit unions—from excellent customer service and financial education to impressively competitive rates—can generate cynical responses. But there are some very good reasons 117.5 million Americans chose credit unions for their financial needs as of 2018.Here’s what you can expect from a credit union if you choose to become a member.What a Credit Union IsA credit union is a financial institution, like a bank, except its ownership is different. By joining a credit union, you are becoming a member of a not-for-profit cooperative. The credit union members own the institution, rather than its being a traditional bank that has private owners or public shareholders. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

LatAm foul play adds €15m losses to Codere 2019 accounts

first_imgShare StumbleUpon Winamax maintains Granada CF sponsorship despite bleak Spanish outlook August 19, 2020 Submit Martin Lycka – Regulatory high temperatures cancel industry’s ‘silly season’ August 11, 2020 Share Related Articles Andrea Vota – Jdigital’s challenge of Spanish restrictions is led by logic and rationale August 13, 2020 Commissioned by Codere SA governance, ‘Big 4’ accountancy EY has confirmed a total impact of €15 million losses attributed as ‘intentional LatAm inconsistencies’ which will be accounted for in the Bolsa Madrid gambling group’s full-year 2019 results.October trading saw Codere declare to Spain’s CNMV markets authority that year-to-date accounts had been overstated by a reported €13-20 million attached to the firm’s LatAm business unit.The embarrassing chapter would see Codere governance launch an internal investigation led by management consultancy Alvarez-&-Marsal which revealed approximately €14 million in ‘inconsistent earnings’ primarily attached to the firm’s Mexican gambling subsidiary.Codere governance maintains that the firm’s manipulated accounts were ‘coordinated by a small group of people working in Mexico’– ‘without the knowledge of corporate management in Madrid’.In its November update, Codere governance confirmed that it had sanctioned a review of its ‘corporate structure’ related to corporate leadership and internal systems and controls.The Bolsa Madrid firm had commissioned EY to review its 2019 corporate accounts, concluding further net losses €15 million recorded during H12019 trading – a period in which Codere governance detailed stability reducing its losses to €8.5 million.However, posting dire Q3 trading in which the company recorded declines across all major operating territories, the embattled Spanish gambling group would see its 2019 losses widen to €33 million.last_img read more

City League Roundup Brashear, Perry, USO headed for collision

first_imgby Malik Vincent For New Pittsburgh Courier After an appearance in the City championship last season, the Brashear Bulls have been doing what’s necessary to try to prove they belong back there this year by blowing past all their opposition. However, both defending champs Perry (4-0) and USO (4-1) have looked just as impressive this season.On Oct. 13, the Bulls added winless Oliver to that list with a 33-6 blowout at Cupples Stadium on a crisp Thursday night. TO THE HOUSE—Brashear’s Jawanza Bryant takes an interception 25 yards to the house in the Bulls 33-6 win over Oliver. (Courier Photos/William McBride) The concern at the beginning of the season wasn’t who was going to play at the skill positions, but rather, who would step up and lead Brashear (5-0, 5-1) up front on the offensive line.Brashear coach Rick Murphy mentioned that the freshman and two sophomores that are starting on the offensive line are a part of the school’s Center for Advanced Studies program.“They’re all very smart,” Murphy said. “They don’t have problems with learning what it is that we need them to do and they have the size that it takes to be successful. We’re very proud of the things that our young line has been able to do so far.”Their defense also hasn’t disappointed. Its 71 points-allowed is second in the league to University Prep’s 40.“We’re beginning to win the turnover battle,” Murphy mentioned. “Right now, as a whole we’ve been able to play good team defense. This is giving our offense opportunities to get into good field position and for us to, in turn, put points on the board.”In their most recent win, running back Joell Nesbitt rushed for 116 yards to pace the Bulls offense against the anemic Bears. Quarterback Adam Lynch added to that by completing 7 of 11 passes for 137 yards and a touchdown for Brashear.Quarterback LeAndre Harrison ran Oliver’s offense, as he completed 11 of 19 passes for 160 yards. Shakeem Cox caught five of them for 104.“I see the effort and the competition around the league and it’s been good,” Murphy said. “But we’ve just been lucky enough to win them all.”Other games:USO (University Prep, Sci-Tech, and Obama) earned their fourth shutout in five games in a 12-0 blanking of preseason favorite Allderdice on Oct. 13.Jaylen Coleman led the way for the Panthers’ offense as he carried the ball 17 times for 160 yards, which included a score from 46-out in the third quarter.Carrick picked up its first win of the season against Langley, 26-21, on Oct. 14 at Cupples Stadium.Perry edged nonconference Erie East on the road on Oct. 14, 14-12.Westinghouse went down to Morgantown (W. Va.) in a nonconference shootout, 58-36, on Oct. 14.(Follow our continuing coverage of and add your comments to our website at www.newpittsburghcourieronline.com. Malik Vincent can be reached at [email protected])last_img read more

Concern For Animals Seeks Volunteers

first_imgFacebook0Tweet0Pin0 Submitted by Concern for AnimalsDid you know last year Concern for Animals distributed about 15,000 pounds of dry food, 3800 cans and served 342 people?This program has become vital to our community, helping to keep families together.  Please help us keep the program going.CFA needs a few volunteers to help out with our Pet Food Bank.  We are looking for people who might want to come every week or alternate weeks to suit your schedule.  You will be assisting the office manager, JoAnne, and duties may include: helping welcome pet owners, preparing food donations, possibly carrying light bags (although not required), and keeping the food bank organized.Our Food Bank is open every Monday from 4:15-4:45pm, so staffing is required from about 4:00-5:00pm in the parking lot of Rick’s Automotive, 3531 Pacific Avenue.  This is behind the old Phyl’s Furniture building, and also off Fones Road.If interested or have any questions, please email [email protected] or call 360-480-7756.  Thanks!last_img read more

Saints start second half of BCIHL schedule with tough challenge at home against SFU

first_img“We’ll need to find our legs quickly on Saturday night and play a smart, disciplined game if we’re going to beat a very good opponent.”The 12-0 Saints have faced SFU once this season, charging out to a five-goal lead on the road on November 3rd and holding on for a 5-3 victory.That win ended the Clan’s 25-game home unbeaten streak, so there’s no doubt that SFU will be motivated to return the favour. With a victory on Saturday night, the Saints would set a new BCIHL record for consecutive wins with 13.Selkirk tied the existing 12-game record when they defeated the University of Victoria in their final game of 2012 in early December.Dubois said that one benefit of the long break was the chance for players to rehab injuries and return to the ice fully healthy for the stretch drive of the regular season.“With the exception of Stephen Saretsky, who hasn’t played yet this season, we’re 100 percent healthy and ready to go,” Dubois explained.”We may make some choices based on what we see from the guys this week in terms of their conditioning, but it’s good to have all our guys available for this first time since early in the season.”SFU is led offensively by forwards Ben Van Lare and Jono Ceci, who finished first and second in BCIHL scoring last season.The dynamic duo is joined up the Clan’s top line by three-year WHL product Brenden Silvester, who joined the team at Christmas and has already scored five times in two appearances. There’s no easing into the second half of the B.C. Intercollegiate Hockey League regular season for the Selkirk College Saints.The Saints play host to second-place Simon Fraser University Clan Saturday at 7:30 p.m. at the Castlegar Recreation Complex.However, before the Clan can ready themselves to knock off the undefeated Saints, the Burnaby-based club must take to the road Friday for a date south of the 49th parallel against the Eastern Washington Eagles in Cheney, Wash.“SFU certainly had the jump on us in terms of getting back onto the ice, and they’ll be playing their sixth game since Christmas while we’ll be playing our first,” said Selkirk head coach Jeff Dubois.The Clan sit just three points back in the league standings at 10-1-1.“That adds to the challenge for us, but it’s not going to be used as an excuse,” Dubois added.last_img read more

BREEDERS’ CUP ANNOUNCES “KID REPORTER” INTERVIEW SERIES DURING 2016 BREEDERS’ CUP WORLD CHAMPIONSHIPS

first_imgARCADIA, Calif. (October 28, 2016) – Today Breeders’ Cup announced that Maddie Stevens, the 7-year old daughter of 10 time Breeders’ Cup Champion jockey and acclaimed actor Gary Stevens, will host a series of all access interviews with several of horseracing’s most influential figures. A horseracing aficionado, Maddie has spent her entire life deeply involved in the horseracing community. Ahead of and during the 2016 Breeders’ Cup World Championships, Maddie will conduct interviews with some of the sport’s most influential names, including leading Breeders’ Cup jockeys, partners, executives and horses. In the weeks leading up to the Breeders’ Cup, Maddie will meet with famed jockeys Victor Espinoza, winner of the first ever Grand Slam title, and Mike Smith, the winningest jockey in Breeders’ Cup history, to get their insight on the sport of horse racing and their take on this year’s Breeders’ Cup World Championships. Maddie will also meet with Goodie Girls Cupcakes to exclusively unveil the Breeders’ Cupcake and pay a visit to California Chrome, Tepin, Songbird, Beholder, and Stellar Wind, five of this year’s leading contenders. About Breeders’ CupThe Breeders’ Cup administers the Breeders’ Cup World Championships, Thoroughbred racing’s year-end Championships. The Breeders’ Cup also administers the Breeders’ Cup Challenge qualifying series, which provides automatic starting positions into the Championships races. The 2016 Breeders’ Cup World Championships, consisting of 13 grade I races with purses and awards totaling $28 million, will be held November 4-5 at Santa Anita Park in Arcadia, Calif., and will be televised live by the NBC Sports Group. Breeders’ Cup press releases appear on the Breeders’ Cup Web site, www.breederscup.com. You can also follow the Breeders’ Cup on social media platforms Facebook, Twitter, Instagram, Snapchat and YouTube To follow Maddie and stay up-to-date with news from the 2016 Breeders’ Cup World Championships, click here and hereMedia Contact:Jim Gluckson, Breeders’ Cup, 212-230-9512, [email protected] Hayley Karlan, Nike Communications, 646-654-3445, [email protected] Maddie Stevens, Daughter of Hall of Fame jockey, Gary Stevens, to Conduct “All Access” Interviews with Leading Breeders’ Cup Participants, Executives, and Partnerscenter_img “We are excited that Maddie will be joining the Breeders’ Cup team this year,” said Peter Rotondo, Vice President of Content for Breeders’ Cup. “Maddie has more horse racing knowledge than many in the industry and is the perfect person for the job, her subjects better be ready for any and all questions!” -30- Days ahead of the Breeders’ Cup, Maddie will also be on-site at several of the most exciting events, including the post position draw for both the Classic and the Longines Distaff and the highly anticipated Taste of the World event at Warner Bros. Studios. Additionally, she will conduct a one-on-one interview with Bob Baffert, one of horseracing’s most renowned trainers whose past horses include 2015 Triple Crown and Grand Slam winner American Pharaoh.last_img read more

Africa-EU Summit gets under way in Brussels

first_img2 April 2014International Relations Minister Maite Nkoana-Mashabane is in Brussels where she is leading a South African delegation to the 4th Africa-European Union (EU) Summit.According to the Department of International Relations, the summit affords Africa and Europe the opportunity to further strengthen political and socio-economic cooperation between the two continents.High on the agenda of the two-day event, starting on Wednesday, will be peace and security, trade and investment, human development and the future institutional and financial arrangements of the Africa-EU Partnership.Leaders from the two continents are also expected to use the opportunity to stocktake what has been achieved over the past three years, as guided by the Africa-EU Action Plan 2010-2013. The action plans was adopted at the 3rd Africa-EU Summit in Libya in November 2010.Issues concerning the financing of priority projects aimed at meeting the developmental challenges of Africa will also be addressed.Agreements that are due to be signed during the meeting include the Brussels Declaration of the Heads of State and Government, which is the main outcome document for the 4th Africa-EU Summit; the Africa-EU Roadmap; and the Declaration on Migration and Mobility.Nkoana-Mashabane is expected to hold bilateral consultations with her counterparts from Africa and Europe on the sidelines of the summit. South Africa’s delegation includes Trade and Industry Minister Rob Davies.Source: SAnews.gov.zalast_img read more

The NBA Playoffs Sleepers Favorites And Best FirstRound Matchups

4Cavaliers50-3216251444510 At long last, it’s time to put regular-season basketball in the rearview mirror and move on to the NBA’s main event — the playoffs are finally here! And FiveThirtyEight is here, too, to help predict how it’ll all go down. With the help of our CARM-Elo projection model, and the betting odds1According to Sportsbook.ag. as a second opinion, what follows is our survey of both the Eastern and Western Conference postseason landscapes. And in a departure from last season, when the Warriors were near-universal favorites on the eve of the playoffs, there’s actually some uncertainty in the playoff outlook this time around. TeamRecordRatingWin Conf.Win TitleWin Conf.Win Title 7Bucks44-3815001<120 CARM-Elo chancesVegas chances How Elo is forecasting the Western Conference playoffsAs of April 12 8Wizards43-391487<1<121 7Spurs47-3516226310 Vegas odds based on the implied probability of betting line.Source: VegasInsider.com 6Heat44-381491<1<110 5Pacers48-3415473<110 1Raptors59-23168342%17%29%7% 5Jazz48-3416639531 TeamRecordRatingWin Conf.Win TitleWin Conf.Win Title Vegas odds based on the implied probability of betting line.Source: VegasInsider.com 376ers52-3016593011175 CARM-Elo ChancesVegas Chances Statistical favorite: The numbers say this might finally be a breakthrough year for the Toronto Raptors, who are in the playoffs for a fifth straight season but have only one conference finals appearance (and zero NBA Finals berths) to show for it. Everything seemed to come together for Toronto this season, from a mega-efficient offense to a defense that improved to fifth-best in basketball. Add in a career year from DeMar DeRozan and a world-beating second unit, and the result was the top seed in the East — with a 42 percent chance to win the conference, according to CARM-Elo. That number is much higher than the 30 percent chance that CARM-Elo is giving the 76ers, the team our model thinks has the second-best chance of making it to the NBA Finals. And it’s hugely better than the 14 percent we’re giving the three-time defending conference champion Cavaliers. If the regular-season indicators mean anything, Toronto has earned every bit of its favorite status.Betting favorite: Another year, another case of the stats underrating the Cleveland Cavaliers’ chances in the East. Our model struggled to assess the Cavs last season too, and LeBron James’s squad proved the data wrong by tearing through the East with only one loss en route to the NBA Finals. The same scenario is shaping up to happen this season — and Vegas knows it. That’s probably why the Cavs are favored by the markets to win the conference again (albeit as less of a favorite than in the past), despite a regular season that was unimpressive by the standards of a LeBron team. In the battle between skepticism over Cleveland’s inconsistent form and trust that James can will his team to an eighth consecutive NBA Finals,2Including his time with Miami and his second stint in Cleveland. the bettors are still giving LeBron the benefit of the doubt.Dark horse: Although our ratings are higher on the Philadelphia 76ers than the Las Vegas odds are, both predictions think the Sixers are an intriguing pick to contend for the East crown. On the one hand, Philly’s near-total lack of playoff seasoning is a troublesome indicator for the postseason, where experience matters more than we sometimes acknowledge. (A late-season injury to star big man Joel Embiid also complicates matters; Embiid is recovering but probably won’t be ready for Game 1 of Philadelphia’s opening series with the Heat.) But Philadelphia is loaded with talent, from Embiid down low to likely rookie of the year Ben Simmons at the point and No. 1 overall pick Markelle Fultz, who on Wednesday became the youngest player to post a triple-double. The Sixers are also playing at something close to peak form going into the playoffs, having won 16 straight games to close out the regular season. According to the Elias Sports Bureau, that’s the longest winning streak ever for a team entering the playoffs, and it’s one big reason why both our model and the Vegas odds list Philly as the only East team other than Cleveland or Toronto with a double-digit probability of winning the conference title.Best first-round series: The East doesn’t have as many quality first-round duels as the West, but the Celtics and Bucks should be an interesting matchup. Boston lost its star player, Kyrie Irving, with just a week to go before the playoffs. The Celtics have home-court advantage and enough supporting talent to win a postseason series without Irving, but the onus will be on Jayson Tatum, Jaylen Brown and Terry Rozier to cap off their breakout seasons with great playoff performances. On the Milwaukee side, the Bucks have largely underachieved this season, although they’ve been slightly better after firing Jason Kidd in January. They also have the best individual player in the series by far, according to Basketball-Reference.com’s Value Over Replacement Player, in Giannis Antetokounmpo. The Greek Freak had an MVP-type season this year, and he possesses the skills to potentially take over a series all by himself. It’s been a year since the Bucks put a scare into the Raptors before losing in the first round, and Milwaukee could be poised to actually win this time around. 2Warriors58-241628844435 3Trail Blazers49-3316126332 4Thunder48-3416589532 2Celtics55-2715789231 6Pelicans48-3415954210 1Rockets65-17177257%44%44%35% 8Timberwolves47-3515651<110 How Elo is forecasting the Eastern Conference playoffsAs of April 12 Statistical favorite: After years of taking a backseat as Golden State dominated our pre-playoff predictions, the Houston Rockets are now front-runners to win the West. Specifically, CARM-Elo gives soon-to-be MVP James Harden and friends a 57 percent chance of making their first NBA Finals appearance this summer. Incredulous? Fine, but doubt Houston at your own peril. Remember that this season’s Rockets team shares many of the same characteristics with the Warriors back when Golden State was first making the climb toward transcendence. Teams that produce all-time great seasons like Houston has this season tend to win NBA titles at a tremendously high rate. Nothing in the regular-season numbers suggests that the Rockets should be anything other than solid favorites to take the conference — if not more.Betting favorite: There is a huge disparity between the chance our model gives the Golden State Warriors of winning the championship and what the betting markets say. CARM-Elo gives the defending NBA champs only an 8 percent chance of winning the West, tied to the team’s relatively unexceptional 58-win campaign that ended with Steph Curry injured and Steve Kerr calling his team out over a series of listless final-month losses. And yet, Golden State remains the betting market’s Western Conference co-favorite (alongside the Rockets), with an implied 44 percent chance of going to the NBA Finals for a fourth-straight season. Similar to the situation with the Cavaliers, the Warriors’ strong odds can be attributed to disagreement over how much we should read into a talented team’s regular-season struggles. The oddsmakers are clearly putting a lot more weight on Golden State’s track record than what we’ve seen on the court in 2017-18 — and considering how well we know the Warriors are capable of playing, that’s probably a good call.Dark horse: The West is so crazy that we could highlight a few teams here, but the Utah Jazz stand out in particular. According to CARM-Elo, they rank as the NBA’s third-best team going into the playoffs — trailing only the Rockets and Raptors — even after making our adjustment for playoff experience (of which the Jazz have very little). Utah put itself in a bit of an unfortunate position by losing to Portland on the final day of the regular season, which dropped the Jazz from the No. 3 seed down to No. 5. As a result, Utah lost home-court advantage in the first round, and the formidable Thunder were locked in as its first-round opponent. (It also set them up for a potential second-round collision course with the Rockets.) Even so, our model lists the Jazz as tied with OKC for the second-best chances of winning the West, and they could prove a dangerous opponent for the top seeds if they make it out of the first round.Best first-round series: CARM-Elo says the closest matchup of the first round is the aforementioned clash between the Thunder and Jazz. Oklahoma City is a slim favorite at 52 percent, by virtue of having home-court advantage. But these teams are very evenly matched: Both posted 48-34 records, and only 5 points of CARM-Elo separate their ratings. This one might be a referendum of sorts on the importance of playoff seasoning — the Jazz are the least-experienced team in the postseason field, while the Thunder rank fourth-highest behind only the Cavaliers, Warriors and Spurs. That edge might be enough to push OKC over the top, although whoever wins the prize likely has a date with the Rockets in the next round. Enjoy these teams while they last.Check out our latest NBA predictions.CORRECTION (April 12, 2018, 4:45 p.m.): A previous version of this article misstated the possibility of the Utah Jazz facing the New Orleans Pelicans in the first round if the Jazz had won their final game. Although Utah would have been the No. 3 seed if it had won, it could have played several different teams depending on the results of other games. read more

Exit Survey for TCI Visitors

first_img Three armed attacks in Provo, all in Blue Hills Related Items:exit survey, Gary Brough, KPMG, Tourist TCI: Savory favors investor residency status, heralds KPMG economic report, says Caicos link is economic lifeline Facebook Twitter Google+LinkedInPinterestWhatsAppProvidenciales, 09 Oct 2014 — An exit survey for visitors to the country to report on their Turks and Caicos experience is just days away from starting now as the National Tourism Strategy consultant company, KPMG explains they are on the hunt for a tangible understanding of where the Turks and Caicos is, so that they can deliver on an overarching long term plan for tourism for the nation. Gary Brough, KPMG managing Director explained that since the launch of the project, KPMG’s team has been busy reviewing and critiquing previous studies and plans, researching and benchmarking the TCI against other jurisdictions and accumulating data and statistics. Add to this, Brough, who is also the leader for KPMG in Travel, Leisure and Tourism practice in the Caribbean explained that they want to hear from the general public on ideas for an enhanced tourism product. Consultation meetings are planned for this month also; those exit surveys will be for both airline and cruise departures. Recommended for you Local Atty says Govt going against public consultation; says NO to taller resort plan Facebook Twitter Google+LinkedInPinterestWhatsApplast_img read more

Abbott Officially Calls Special Session Allowing Lawmakers To Begin Filing Bills

first_imgMarjorie Kamys Cotera for The Texas TribuneGov. Greg Abbott lays out items for a special session at a press conference on June 6, 2017.Gov. Greg Abbott issued a declaration for a special session of the Texas Legislature Monday, formally inviting lawmakers back to Austin to pass “sunset legislation” that will keep several key state agencies open.The long-awaited procedural move allows lawmakers to begin filing bills for the special session set to begin on July 18. In addition to the formal declaration, Abbott also released a draft version of 19 additional items he plans to add to the special session agenda later on. Last month, Abbott announced that lawmakers would consider 20 total legislative items during the special session.Lawmakers’ failure to pass “sunset” legislation during this year’s 140-day regular session forced Abbott to call the special session. Absent that measure, government agencies including the Texas Medical Board, which licenses doctors across the state, will have to shut down.“With today’s proclamation, and with bill authors already lined up for all special session items, I look forward to working with the House and Senate to finish the people’s business,” Abbott said in a statement.During the special session, lawmakers will return to several controversial issues that deeply divided the state’s Republican leadership, including a so-called “bathroom bill” that seeks to restrict which bathrooms transgender Texans can use. In his unofficial supplemental call, Abbott described that issue as “legislation regarding the use of multi-occupancy showers, locker rooms, restrooms, and changing rooms.”Abbott also wants legislators to take on school finance reform, school choice for special needs students and several local control measures.Secretary of the Senate Patsy Spaw said her office received a copy of the proclamation around 11:00 a.m., which she forwarded to senators to alert them that they could begin filing bills. A physical copy of the proclamation was also delivered to senators’ offices in the Capitol building. No senate bills have yet been filed for the special session.Meanwhile the House, which has had an e-filing system in place for years, received over two dozen bills before 1:00 p.m.Robert Haney, the House chief clerk, said the first bill filed Monday, House Bill 41 from state Rep. Mike Schofield, R-Katy, was received at 11:42 a.m. The bill aims to change how the state calculates the constitutional spending limit, which restricts how much the budget can grow from one biennium to the next. Sharelast_img read more