ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Like many of you, I have been busy, busy, busy attending NAFCU’s Virtual Regulatory Compliance School. The virtual experience was new for me (and I bet most of you), but the conference was a great success. I learned so many new things, but studying to be an NCCO is no easy task. However, after many long evenings of studying, I get to update my signature line to: Janice Ringler, NCCO!Congratulations and welcome to all the new NCCOs!On July 28, 2020, CFPB released its fourth update to its HMDA FAQs, updating question #7 in the Ethnicity, Race, and Sex section, and questions #1 and #2 in the Multiple Data Points section. The FAQ’s attempt to clarify when combined loan-to-value (CLTV), debt-to-income ratio (DTI), income, and property value needs to be reported on the LAR. The FAQs state that all of these fields must be reported “if they were a factor relied on in making a credit decision—even if the data was not the dispositive factor.” The FAQs set a “relied on” standard to determine when the credit union must report the data for income, credit score, DTI, CLTV, and property value. However, Regulation C allows credit unions to report these data points, along with credit score and credit score model, as “not applicable.” A frequent question we get from credit unions is:If these data points must be reported if they are “relied on in making a credit decision”, in what instances would these fields be reported as “not applicable?” I have explored some possible scenarios below. continue reading »
Indianapolis, In. — Members of the Indiana Debate Commission are looking for questions from voters to submit to Republican Indiana U.S. Senate candidates.At press time, Luke Messer and Mike Braun have confirmed attendance. Todd Rokita has declined because he says debates organized by “conservative and Republican organizations” are his preference.Questions can be submitted through this link.
The Confederation of African Football will not support the FIFA presidential bid by Musa Bility of Liberia.CAF says its executive committee heard Bility at his request at a meeting on Thursday and decided against supporting his proposed candidacy.The executive panel “wished him good luck” with his bid, CAF said in a statement.The statement made no mention of possible contenders from Africa or elsewhere it might support.CAF president Issa Hayatou, FIFA’s senior vice president, and South African businessman Tokyo Sexwale, a member of FIFA’s discrimination task force, have been speculated as candidates to succeed Sepp Blatter on Feb. 26.CAF says its executive committee wants time to study all options. The panel will next meet Oct. 27, the day after FIFA’s deadline for applications.–Follow Joy Sports on Twitter: @Joy997FM. Our hashtag is #JoySports
Asempa FM, a subsidiary of the Multimedia Group of Companies will host millions of Ghanaians as they mark the 7th edition of their annual fitness and fun festival at the El-Wak Sports Stadium on November 26.The event dubbed “Fitness for Peace”, seeks to drive home the importance of fostering and upholding the peace the country enjoys before, during and after the December 7 polls.With elections fast approaching, a lot has been said about the need for a peaceful election and as part of honoring corporate social responsibilities, Multimedia Group will use the event to propagate peace while bringing a lot of people to have fun and keep fit at the same time.Various keep fit clubs and individuals will proceed from Afrikiko at 5:30am to the El Wak stadium with a health walk and at the stadium.Activities to be competed in includes football, treasure hunt, unisex relay, arm wrestling, ladies egg and spoon race, 100m race and tug of peace as well as peace songs from renowned artistes. The 2016 Asempa FM fitness and fun festival is put together in partnership with the Christian Council, Office of the National Chief Imam with support from UNDP and DANIDA.
Uganda midfielder Allan Kyambadde tussles for the ball with Ethiopia fullback Bune Butako in their match staged at the Bukhungu stadium in Kakamega. PHOTO KFF-MEDIANairobi, Kenya | AFP | Derrick Nsibambi was the hero for Uganda, as the Cecafa Challenge Cup holders came from behind to hold Ethiopia 1-1 and reach the semi-finals in Kakamega on Sunday.Nsibambi rescued the 14-time champions, who were in danger of being knocked out of the tournament after falling behind to a 23minute Abubakher Sanni’s goal when he scored the equalising goal in the 87th minute.Uganda were already down to ten men after Isaac Muleme was given his marching orders for a second bookable offence when he brought down Dawa Hetessa just outside his box in the 79th minute.The champions, who had dominated ball possession in the second half were reduced to nine men deep in injury time after Timothy Awany received a second yellow for time wasting.Ethiopia needed to win the match to stay in contention but were left to rue two missed opportunities in the first half.Hetessa, who initiated the opening goal, was once again involved in Ethiopia second goal but Abede Yalew’s effort was waved off for a foul by the referee.Second-placed Burundi are now favourite to take the second semifinal place from Group B when they face lowly South Sudan on Monday.The second team to join Zanzibar from Group A will also be decided on Monday.Hosts Kenya will face Tanzania while Zanzibar wound up against guest side Libya.Both matches will be played at the Kenyatta stadium in Machakos. UGANDA CRANES AT CECAFA: Standing (L-R) – Nico Wakiro Wadada, Hood Kaweesa, Ibrahim Sadam Juma, Allan Kyambadde, Timothy Denis Awany and team captain Bernard Muwanga. Front Row (L-R) – Muzamiru Mutyaba, Derrick Nsibambi, Benjamin Ochan, Milton Karisa, Isaac Muleme. Nsibambi scored crucial goal. PHOTO FUFA MEDIAUganda Starting XIIsmail Watenga (GK), Benard Muwanga (C), Isaac Muleme, Timothy Awany, Joseph Nsubuga, Juma Ibrahim Sadam, Allan Kyambadde, Muzamir Mutyaba, Tadeo Lwanga, Hood Kaweesa, Derrick NsibambiSubstitutesBenjamin Ochan (GK), Tom Ikara, Daniel Opolot Isiagi, Shafiq Bakaki, Nicholas Wadada, Aggrey Madoi, Paul Mucureezi, Nelson Senkatuuka, Milton Kaliisa, Allan KatereggaEthiopia Starting XITimariam Balcha (GK), Bune Butako Abebaw (C), Feyissa Abebe, Tediros Bekele, Amaye Temesgen, Biruk Kelbore, Tsegaye Birhanu, Firew Selemon, Abubeker Sani, Dawa Hetessa, Abel YalewSubstitutesBereket Amare Kidanu, Tariku Getinet, Henok Adugan, Girma Bekele, Amsalu Telahun, Adis Giday, Samson Tilahum, Gebre Albrachew, Kenean Meleko, Aregawi Amanuael, Kena Kebede, Sorure AbedrahmanShare on: WhatsApp
The Pierce County Sheriff’s Department in Washington State is reporting that they have arrested a woman who posed as a photographer in an effort to kidnap a woman’s newborn.The Sheriff’s department says they began investigating the suspect who went by the name Juliette Parker on Facebook after the victim contacted them believing she may have been drugged by the suspect.The victim told authorities that she met Parker in a Facebook group where Parker advertised free newborn photo sessions because she wanted to build her photography portfolio.The victim told investigators that the suspect visited her home three times with her 16-year-old daughter and took selfies with the newborn. She also said that she noticed that the suspect would wipe her fingerprints off of everything she touched.On the third visit, Parker and her daughter brought the mother a cupcake and several moments after the victim ingested the cupcake she began feeling drowsy and numb.The victim then kicked the pair out of her home. While the suspect and her daughter did leave, the victim noticed that her house keys were missing and contacted the police believing she may have been drugged.After an investigation, authorities reported that they found evidence that there were several other victims and that the suspect planned to steal a newborn and raise it as her own:“Our detectives have worked tirelessly on this case, conducting multiple interviews and obtaining several search warrants,” the department said. “This detailed investigation identified additional victims and garnered evidence that indicate that the suspect was planning to steal a newborn baby to raise as her own.”
The Bombers play host to the J. Lloyd Crowe Hawks of Trail at 6:30 p.m. Wednesday in the Hangar for all the marbles and a berth at the BC High School AAA Boy’s Championships in Langley.Despite missing Eberle and Kingdon, the Bombers blasted the Storm by 20-plus points in the opener.Bjorn Morris and Zhou led the Bombers with 17 and 12 points, respectively. Josh Matosevic and Ethan Perkins each added 10 points.Against district rivals from Mount Sentinel, the Bombers once again ran the ball up and down the court to victory.Morris led the charge with 21 points while Wang had 11 and Perkins 14.In the final, Morris and Matosevic combined for 35 points to lead the Bomber attack.Zhou had 12 and Perkins eight.OVERTIME: The Bombers are hold a 50/50 draw during Wednesday’s zone final to help defer costs should the squad land a spot at the provincials. Admission is $2. . . . In Castlegar, the LVR Junior Girls won the Damsels in the Castle Basketball Tournament. The squad, coached by Chris Dergousoff, defeated host Stanley Humphries Rockers, Nakusp Cougars and Grand Forks Wolves en route to the overall title. The L.V. Rogers Bombers tuned up for the Kootenay High School Boy’s AAA Zone Basketball Championships by capturing the Falcon’s Tournament Saturday in Fernie.After disposing of Selkirk Storm of Kimberley 69-44 and Mount Sentinel Wildcats 73-49 in the semi final, the Bombers dumped the host Falcons 66-48 to claim the title.”Competition was good for us because we were missing Tobin Eberle and Isaiah Kingdon for the weekend,” Bomber coach Jeremy Phelan said after returning to Nelson.”Sida Wang and Leo Zhou (our exchange students) really stepped up and we were able to start to run some of our fast break offense so it was a good weekend for us.”
Montrose native Luke Bertolucci have come a long way since putting on the skates in Rossland/Trail Minor Hockey Association.The former Kootenay Ice star of the BC Major Midget Hockey League helped the Edmonton Oil Kings win the first MasterCard Memorial Cup title with a 6-3 victory over the Guelph Storm Sunday at the Tier I Junior Hockey Championship in London, Ont.This was the first Memorial Cup in the current franchise’s short seven-year history. Bertolucci, in his second season with the Oil Kings, helped guide Edmonton to the Western Hockey League title before shocking the critics at the Memorial Cup.After falling behind 2-1 in the first period, the Oil Kings scored five times in the final two periods to secure the win.A previous version of the Edmonton Oil Kings won Memorial Cups in 1966 and 1963 before relocating to Portland.The WHL ended a three-year run of Quebec Major Junior Hockey League teams winning the Cup. The Oil Kings were also the first WHL team to claim it since the Spokane Chiefs in 2008.WHL teams have won the most Cups since the tournament went to a round-robin format in 1972 with 19. The OHL has won 14 and the QMJHL 10.The Memorial Cup has been given to Canada’s junior hockey champions since 1919 in memory of those who died in the First World War.Sixty teams in the Western, Ontario and Quebec major junior leagues begin play every September. The three league champions join a host team in the annual tournament to determine the Canadian Hockey League champions.The 2015 MasterCard Memorial Cup will be held in Quebec City.
Antonio Brown won’t be suiting up for any team any time soon but the former Raiders receiver has made a big play to recoup some money he feels he’s owed.The NFL Network reported Sunday that Brown, through his representatives, quietly filed a pair of grievances against both the Raiders and Patriots on Friday. Brown, who was released by both teams for off-field issues, is asking an arbitrator for nearly $40 million, most of it guaranteed money both Oakland and New England voided because they …
(Visited 409 times, 1 visits today)FacebookTwitterPinterestSave分享26 Darwinism should be opposed simply on the grounds of what it does to people’s sensibilities and manners.On CEH’s Twitter feed @crevinfo, we occasionally have to block abusive responders. We give fair warning with the following notice:Each violation produces an additional warning, but this usually just makes the abusive person angrier until they blow off in a cloud of smoke. Invariably, the abusive tweets come from Darwinists who mock creation, using any or all the fallacies in the Baloney Detector. Judging from the language, some are probably uninformed scoffers living in their parents’ basement in their underwear with nothing better to do than mock creation, religion, or whatever else their subculture tells them to hate.Some, however, are working scientists. One might hope scientists would be experienced in the practice of civil discourse during disputes about observational evidence, but that skill must not be part of the curriculum of some. They may start with civility—as if wearing a Greek happy mask—but it usually doesn’t take long for the mask to come off and the reptilian parts of their brains to kick in (22 Jan 2019).A recent case in point is Ray Simpson, a student at Yale earning a PhD in Ecology & Evolutionary Biology, who is also an illustrator of Fishes of the Western Atlantic. Illustrating beautifully-designed fish is a worthy enterprise, and it appears from his website and Twitter page that he does great work. Something in his background or education, however, triggers wrath when Darwinism is questioned. Here’s how he responded to our 9 November 2019 article, “Shoving Fossils onto Darwin’s Timeline,” which we tweeted as:CEH: Darwinists shove fossils onto the geologic column kicking and screaming. We show examples from dinosaurs and mammals. Because of the poor fit, the Darwinians have to make up just-so stories of elaborate credulity, like the “pecan pie period.”We backed up that tweet with specific examples in the article. Here is the Twitter dialogue that ensued:Simpson: Please identify the modern kinds of organism found in the Cambrian Explosion, or explain using the creation model why we find no modern kinds of marine organisms in this typical shallow water fauna. No fossil is “forced” in to the column. All Cambrian creatures are BASAL taxa!CEH: Did you read the article? The rules require addressing questions or comments to the contents of a specific article [rules posted]. Please read: [link to article].The article contains nothing about the Cambrian explosion, so his first tweet was not related to the article. There was also nothing about “kinds” as opposed to phyla. He smells a creationist. The mask starts coming off. He continued:Simpson: Maybe answer my question, which was nowhere in that pseudoscience article. WHAT kinds of life living today were alive in the Cambrian? Remember you don’t believe in evolution so kinds can’t be phylum!CEH: That article was not about the Cambrian explosion, but I’m not sure you, an evolutionist, want to go there! 20 phyla appearing suddenly w/o ancestors? I suppose you know about sponges, ctenophores, corals, tardigrades, annelids? Not to mention arthropods, mollusks and chordates.Simpson: They were PHYLA (not kind), and the STEM members of each phylum. Do you know what the stem member of Chordata looks like? It looks like a lancelet, which is a primitive chordate. I certainly DO want to go there, as the primitive life of the Cambrian fits perfectly into evolutionSimpson: Actually there are as many phyla originating in the Cambrian as there are after the Cambrian, and lots of phyla that originate in the Precambrian. There are many phyla that arise in the Cambrian and go extinct soon after. Not sure how this fits creationism???CEH: So you believe in miracles. Instant complex body plans with organs, systems, eyes, articulating limbs, digestive systems, central nervous systems. I don’t have enough faith to believe in your miracles. Neither did atheist Lee Strobel. [Link to episode from The Case for a Creator about the Cambrian explosion.]Simpson mischaracterized the Cambrian explosion, which world experts since Darwin still agree is a major problem for evolutionary theory. But all arguments about the facts of the Cambrian explosion are now fruitless. Simpson goes into attack mode against his hated foes, creationism and the Bible. In violation of the rules, he is way off topic from the original article, and is forcing the discussion toward his preferred direction (see Shifting the Burden of Proof). One clever propaganda ploy is to accuse your opponent of propaganda. Nothing in our tweets so far constitutes a Straw Man fallacy.Simpson: Strawman… none of those are miracles. None of those body plans were “instant”, nor just popped out of nowhere. You believe in lots of miracles, like how freshwater life survived your magic flood or how giant waves didn’t capsize a rudderless barge, or removing all the heatSimpson: You didn’t address my question AGAIN. Why are you creationists so quick to change the subject and post videos. Do your own talking you fraud. Can you please identify ANY modern KIND of organism in the Cambrian Explosion? Where are all the fish, crab, snails, whales, starfish?CEH: strike oneSimpson: No answer huh? You have no idea where all the fish, crabs, lobsters, clams, gastropods, and corals are in the Cambrian, because the Cambrian was 500 million years ago and those creatures didn’t exist yet! What’s your magic flood‘s explanation? Typical creationist threats to banHe has now broken all three rules for dialogue with CEH. He didn’t read the article; he didn’t mention anything from the article, and he calls his opponent a fraud. The mask is off, and the hate appears.CEH: strike two.Simpson: Strike 3, you’re a coward who knows nothing about evolution.We get that response often. When trying to mention facts that contradict Darwinism, mockers respond that we “know nothing about evolution” (see Ridicule, Generalities, Ad Hominem in the Baloney Detector). Since one cannot have a dialogue with a blowtorch, we have to block Mr. Simpson, wishing there had been an opportunity for civil discourse with an expert on Atlantic fish.CEH: Well, you were warned. I hope you can get some therapy for your irrational hatred. Jesus Christ said, “Come to me, all who labor and are heavy laden, and I will give you rest.” Peace.This kind of Twitter interaction could be illustrated with many instances.We were able to print this thread because it did not contain the profanity often included in similar dead-end discussions. What is it that makes Darwinists so full of hate, pride and arrogance? Try as we might to have a respectful conversation about facts, many pro-Darwinism responders cannot abide by common rules of civility.Perhaps it is the nature of social media to make people write with more ferocity against faceless opponents. But we do give fair warning that only civil dialogue will be permitted. And it has to be about something specific in one of our articles. We try to hold them to the rules, asking sometimes repeatedly if they actually read the article under consideration. It’s often doubtful from their tweets that they did read it, and if they did, that they understood it. Their tweets, rather, show that pre-existent hatred was triggered by the mere existence of a voice skeptical of Darwin. Is it surprising that Darwinism produces irrational hate? How could a godless belief in an amoral, unguided process that celebrates ‘fitness’ do otherwise? Darwinism gives license to the worst instincts of man, because it appears to remove all responsibility to a just and moral Creator.Jesus said you would “know them by their fruits.” The Apostle Paul listed the fruit of the Spirit as love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self control (Galatians 5:22-23). He contrasted these with with the works of the flesh, which include not only sexual sins, but also “enmity, strife, jealousy, fits of anger, rivalries, dissensions, divisions” which have roots in pride. He warned Timothy that in the last days, “people will be lovers of self, lovers of money, proud, arrogant, abusive, disobedient to their parents, ungrateful, unholy, heartless, unappeasable, slanderous, without self-control, brutal, not loving good, treacherous, reckless, swollen with conceit, lovers of pleasure rather than lovers of God” as well as sexually immoral (II Timothy 3:1-4).While it is not pleasant to face the ongoing wrath of Darwinists, in a way it is very satisfying. The righteous are known not only by the friends they keep, but also by those who hate them. Paul saw his persecutors as haters who would have been shouting “Crucify him!” at Jesus. He was grateful to God to take some blows in his stead, because of the greater good that God was accomplishing through him (Colossians 1:24ff):Now I rejoice in my sufferings for your sake, and in my flesh I am filling up what is lacking in Christ’s afflictions for the sake of his body, that is, the church, of which I became a minister according to the stewardship from God that was given to me for you, to make the word of God fully known, the mystery hidden for ages and generations but now revealed to his saints. To them God chose to make known how great among the Gentiles are the riches of the glory of this mystery, which is Christ in you, the hope of glory. Him we proclaim, warning everyone and teaching everyone with all wisdom, that we may present everyone mature in Christ. For this I toil, struggling with all his energy that he powerfully works within me.
How IoT Will Transform Cold Chain Logistics For… 5 Industries Destined for Technological Disruption The Ultimate Checklist on Ways to Prevent IoT D… Tags:#China#Industrial IoT#Internet of Things#IoT This introduction is our first installment of an eight-part series about the importance of cross-cultural design which will examine several attempts by large, well-known American corporations to expand their reach by marketing in mainland China. As this series will show, many of these attempts have failed to achieve success even though China is the second largest economy in the world. The key question we hope to answer is why they failed, and to attempt to draw lessons to help future American companies to successfully sell there.Many American companies are increasingly interested in capturing the absurdly large and ever more technologically advanced market of China. But with the potential of the great financial rewards associated with successfully operating in China comes a large risk of failure. To quote GE’s CEO Jeff Immelt, “China is big, but it is hard.”See Also: China planning massive innovation for state-operated companiesThis series of articles examines some attempts by major American companies to enter the Chinese market. Major companies provide the most telling examples because they have the most written about them. Further, they are instructive because, generally speaking, an inability or failure to commit sufficient funding to the attempt is not part of the analysis. Therefore, one can more easily see that disappointment or outright failure in the Chinese market by American companies is the result of one or more factors from four general categories:A lack of understanding about Chinese society and its realities;Misunderstanding the needs/desires of the consumer, especially how the population typically uses technology;Creation of political turmoil – this is mostly applicable to large corporations, especially those with a social media aspect; andA lack of key partnerships (guanxi) with homegrown Chinese businesses.In this series, I will explore several large American companies that have experienced a range of outcomes in China, from failure to lackluster success, even though these same companies were and are thriving in America, and sometimes in other large international markets as well. In addition to discussing what each company did wrong, I will suggest what each one could have done or should do in the future to better capitalize on their respective market opportunities. I will also discuss a couple of companies which have learned enough to do things the right way and have enjoyed success as a result.See Also: Yinchuan is the smart city choice for ChinaThe author is Clayton “CJ” Jacobs, who is currently an Entrepreneur-in-Residence with, and the Head of Cross-Cultural Design at, ReadWrite. An area of focus for him is helping American companies understand and enter the Chinese market through taking a modern user-centric product design approach. You can contact him directly at clayton.michael.jacobs(at)gmail.com or find him on Twitter & LinkedIn. Related Posts Clayton Jacobs Electronic Design is Utilizing AI-Enabled Solu…