3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr I am a firm believer in not making the same mistake twice; I prefer to make new ones instead. In that vein, please do me a favor and double-check the way your credit union handles delinquent credit card accounts.Late last week, a federal district court in Massachusetts ruled that American Airlines Federal Credit Union violated both the Truth in Lending Act and a similarly worded Massachusetts state law by seizing funds in the member’s account after she became delinquent on credit card payments due to the credit union. A recurring question that the Association’s Compliance Department fields is just what steps credit unions can take to “offset” member funds when they fall behind on credit card payments. The case provides a great opportunity for everyone to remember the basic rules and double-check their procedures. (See Martino v. Am. Airlines Fed. Credit Union, No. 14-10310-DPW, 2015 WL 4920015, at *4 (D. Mass. Aug. 18, 2015)).The most important thing to keep in mind is that the Truth in Lending Act extends added protections to credit card holders. Consequently, if you want the option of claiming funds to recover delinquent credit card payments, there are several steps you must take ahead of time. Fortunately, this is one area where the regulations are self-explanatory. continue reading »
Emily and Ben Gawley and their three children used social media to research Gainsborough Greens at Pimpama on the Gold Coast.The couple and their three children were living in Melbourne when Ms Gawley put out a call through Facebook for recommendations of family-friendly communities on the Gold Coast — that is when Gainsborough Greens resident and mother of four, Michelle Drummond, stepped in and offered her advice and contact details. More from newsMould, age, not enough to stop 17 bidders fighting for this home5 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor5 hours agoFast-forward three months, and the two families now live just one street away from each other.“I joined the Gainsborough Greens Community Group on Facebook to hear more about whether it was a family-friendly location and Michelle contacted me to let me know the ins and outs of the community,” Ms Gawley said. “I had never met her before but the response we received via Facebook was extremely helpful and informative. It can be quite difficult to grasp the feel of a community from a different state, so the advice was really invaluable to us. “Michelle’s insight and support made the move here so much easier and from there a friendship between our families formed.”Ms Gawley said since the move their two sons have ended up in the same class and become best friends and all of the two families children play together.Ms Drummond, husband Aaron, and their four children moved to Gainsborough Greens in June last year. Social media is becoming the platform of choice for land estate buyers to research communities before buying in.SOCIAL media is becoming the new driving force behind land estate sales as an increasing number of home buyers research the livability of communities before committing to a purchase.Mirvac Queensland residential general manager Warwick Bible said a growing number of purchasers at their Gainsborough Greens masterplanned community in Pimpama, were reporting the use of social media as a decision making tool.“It is no secret that buyers and prospective residents often do the research online at home, before visiting a new community,” Mr Bible said.“But we are finding what and how they are searching for this information is evolving.“They are no longer just looking for property analysis in terms of the fundamentals like property values and access to amenities, but the more intangible benefits, such as community atmosphere and whether an area is ‘family-friendly’.”Gainsborough Greens residents Ben and Emily Gawley reached out via an online community group to find out about life in the estate, before making the move from interstate. Aaron and Michelle Drummond and their four children befriended the Gawley family through the Gainsborough Greens Facebook page.“We have lived at Gainsborough Greens for almost a year and we love it. When I saw that Emily was interested in moving here, I knew I had to let her know how great it is, as I can imagine it would be quite a stressful experience moving interstate with a family in tow,” she said. “The minute I spoke to her, I knew she would love the community and how family-friendly it is. They are such a lovely family and now that our kids are at the same school, we catch up with them socially.” Gainsborough Greens community engagement manager, Suzanne Guastini, said it was heartwarming to hear that members of the community were so happy living in Gainsborough Greens that they were spreading the word online. “Something that sets Gainsborough Greens apart from other communities is our regular social activities that are designed to create an engaging and welcoming environment where everyone knows each other’s names.”Gainsborough Greens will eventually have more than 2200 homes, along with retail and recreational amenities.
For all the Latest Sports News News, Cricket News News, Download News Nation Android and iOS Mobile Apps. New Delhi: That Virat Kohli is destined to be among the pantheons of all-time greats is an oft-repeated assertion but for former Australia captain Michael Clarke, the India skipper is already the “greatest ODI batsman to have ever played the game”. Kohli, the world’s no.1 Test and ODI batsman, led India through a historic tour of Australia, during which the team won the Test and ODI rubbers and drew the T20 International series. Kohli’s India was the first team ever not to lose any series Down Under and along the way, he continued to add to his rapidly-rising count of international hundreds.“To me, Virat Kohli is the greatest batsman to have ever played one-day cricket. I have no doubts after seeing what he has achieved for India,” Clarke, himself a former World Cup-winning captain, told PTI in an interview. Kohli has already scored 10,385 runs in 219 ODIs with an astounding average of 59 plus, including 39 hundreds.An unabashed Kohli fan, Clarke said that the 30-year-old Indian’s passion is unmatchable. “You have to respect Virat’s passion to win games for his country. Yes, he has aggression but no one can question his commitment, how much he has achieved. He is the greatest in ODIs,” Clarke said.Also Read | Virat Kohli’s India in Australia: Five memorable moments from historic tourWhile Kohli’s craft continues to evoke awe, his predecessor Mahendra Singh Dhoni’s current form has the cricketing world divided. Dhoni’s style of batsmanship in ODIs, no longer as aggressive as it used to be, has been a matter of concern but for Clarke, the 37-year-old former India captain should be left alone to play his game.“MS knows how to react to any given situation. He has played 300 plus ODIs so he knows how to go about his job,” Clarke said.But would Dhoni have been as effective as he was in the third ODI against Australia if the target would have been 330 instead of 230?“I think he would have played differently. It was 230 and he had a particular strategy and it would have been different if the target would have been bigger,” he said.“Look at his approach in the second game in Adelaide and the third game in Melbourne. It was different,” Clarke said.Asked what should be Dhoni’s batting position in the World Cup, Clarke said, “Any position 4, 5 or 6. He is good enough to bat at any position and I believe Virat will use him accordingly.”Clarke, however, made it clear that the currently suspended Hardik Pandya would play an important role for India going into the World Cup in England. Pandya faces, as of now, an uncertain future owing to his much-condemned sexist remarks on a TV show.“A talented player like Hardik is very necessary for the balance of the side. He can win games alone with his batting and I am confident he will be in that World Cup squad,” Clarke sounded confident. While he didn’t speak about the Pandya-KL Rahul controversy but Clarke looked at the bigger picture about professional sportspersons being role models. He stressed on the aspect of “respect”.Asked if a lot of money is making youngsters go haywire in their conduct, Clarke gave his insight. “How much money you have earned is irrelevant because most important thing is to earn and give respect. I think it all starts with how you have been brought up.Also Read | Let Hardik Pandya, KL Rahul play while inquiry is on: BCCI president CK Khanna“Respecting every individual is very important. It starts with respecting elders regardless of profession,” Clarke, who has been a chip of the old bloc when it comes to traditions, said. But former batting mainstay also spoke about the need to not make one “mistake” the focus of somebody’s career.“Professional sportspersons are role models, recognized and they have a responsibility. Having said that, everyone makes mistakes and one needs to move on and learn from them,” said Clarke, who played 115 Tests and 245 ODIs for Australia.Asked if India are favourites to win the World Cup, Clarke said, “Certainly one of the favourites with the kind of bowling talent India have at the moment. The batting was always strong and they also have wonderful young spinners. What has impressed Clarke is the fact that India doesn’t have any “apparent weakness in the bowling department”.“Jasprit Bumrah is a skillful bowler who is improving every day. He continues to get better with his seam, swing, and pace. He is the best death bowler in ODI cricket at the moment,” said Clarke.However, the cricket analyst in him also feels that England will be a very difficult team to beat at home. “England is a very good ODI side and will be hard to beat at home. Also, I would like Australia to be in the mix. Australia will get better when the frontline pacers including Nathan Coulter Nile come back,” explained Clarke.Talking about Australian cricket, Clarke is hopeful that things will change for the better very soon if there is good leadership (not captaincy). “There is plenty of talent in Australian cricket. We have good young players playing Sheffield Shield. They still believe Test cricket is the pinnacle,” he said. But he offered a word of caution too. A lot of hard work is needed and good leadership, which can select the right guys, back them and give them time to perform,” he said.
New Delhi: The Indian cricket team put on a dominant performance in the Test series against South Africa. Rohit Sharma capitalised on his new life as an opener by smashing twin centuries in Vizag and a maiden double ton in Ranchi. Virat Kohli notched up his highest individual score in the Pune Test while centuries from Mayank Agarwal and Ajinkya Rahane made the Indian batting intimidating. Crucial contributions from Cheteshwar Pujara and Ravindra Jadeja ensured South Africa never took 20 wickets in all the three Tests. Ravi Shastri, the head coach of the Indian cricket team, has likened his team’s batsmen to a Ferrari car.”Our batting is pretty much like a Ferrari taking off. Ajinkya Rahane was always there. He just needed to rediscover himself. When you need to open in Tests, you might get out in the first 10 balls. But Rohit did well to hang in there for the first two hours. And things changed after lunch for him to take advantage of that. The job satisfaction that an opener gets is wonderful. You have a captain who leads with example and gets a double hundred. You have Pujara chipping in, you have Rahane scoring the runs in the middle order,” Shastri said. Focus on taking 20 wicketsShastri’s compliment for the batsmen, though, did not take away the core focus of the Indian cricket team which was to take 20 wickets irrespective of the conditions. The pitches in the current series against South Africa helped both the pacers and the spinners, with Ravichandran Ashwin and Ravindra Jadeja complimented well by Mohammed Shami, Umesh Yadav and Ishant Sharma.”We had a wish that we could take pitch out of the equation. ‘Bhaad me gaya pitch’ (to hell with the pitches). Whether it’s Johannesburg or Melbourne or Mumbai, we want to take the pitch out of the equation. We always wanted to take 20 wickets irrespective of where we were playing. We are just focussed on taking 20 wickets. Normally, in India you have two players hogging the limelight. But here you have 6 or 7 chipping in,” Shastri said.Also Read | Will Talk To Virat Kohli Like A BCCI President Does: Sourav GangulyShastri complimented Shahbaz Nadeem, the debutant who made a good impression in the Ranchi Test. Nadeem’s first wicket of Temba Bavuma was hailed by former India spin legend Bishan Singh Bedi and his four wickets in the match was an impressive return after slogging away in the past decade in domestic cricket. “Extremely impressed with Nadeem. He comes over the top and has a great wrist position. The guy has put in the yards at the domestic level and am glad he finally had his chance at his home ground. He had no nerves and bowled three maidens on the trot,” Shastri said. For all the Latest Sports News News, Cricket News News, Download News Nation Android and iOS Mobile Apps.
Helen Williams, a junior majoring in international relations and environmental studies, said she hopes the inauguration educates the community on zero waste practices. Rosen said the biggest challenge of the initiative has been working with the city to ensure that waste from the event is diverted away from landfills. The factsheet outlines seven steps necessary to achieve a zero waste inauguration, including eliminating single-use plastics; reducing paper waste such as programs; using compostable serviceware; encourage caterers to minimize excess food; educate guests on waste diversion; donate leftover food to food banks; and work with waste haulers to track the destination of the ceremony’s waste. The zero-waste inauguration fact sheet found on the office’s website identifies and breaks down the material that each item used at the inauguration is made of — everything from certifiably compostable napkins to disposable wooden forks and spoons. Dux said that while the operation may seem like a challenge, efforts to increase sustainability on campus are a joint effort between FMS, USC Hospitality, the administration and the public. Rosen hopes that the inauguration shows students who are concerned with sustainability on campus that the University is taking important steps toward change. This is not the first large-scale event at USC that will be zero waste. In April, the Los Angeles County recognized the USC Office of Sustainability for making the Los Angeles Memorial Coliseum a zero waste facility. For two years in a row, USC’s stadium also won the Pac-12 Conference Zero Waste Competition. However, Dux believes that achieving zero waste for the inauguration will be more challenging than the Coliseum. According to the office, the inauguration aims to divert 90% of trash away from local landfills. To achieve this goal, the ceremony will utilize compostable and recyclable materials and encourage all attendees to properly divert waste into color-coded bins. President Carol Folt’s inauguration is one for the books. While the former University of North Carolina at Chapel Hill chancellor is the first female president to be inaugurated in USC’s history, the ceremony is unique for another reason: its plan to achieve zero waste. “With inauguration, I wanted to make sure we set the tone early, even as we plan for more concrete initiatives that I look forward to working with our community to implement soon,” Folt wrote. “It’s lovely to see something like this coming to ’SC,” Rosen said. “An area where I have seen students complain about the lack of sustainability and the lack of initiatives around that.” “As an ecologist, I have always been concerned with making sure we all do everything we can to sustain our planet,” Folt wrote in a statement to the Daily Trojan. “When I arrived at USC, I was so heartened by the sincere desire of our students, faculty, staff and [the] entire campus community, to do more to curb our environmental impact.” “When we first started this process, we didn’t think we would be able to compost properly,” Rosen said. “So working within the city’s confines and what the University is required to use was probably the hardest piece — this is where we lean on our partners.” According to the USC Office of Sustainability, the ceremony makes “meaningful strides” in implementing and expanding the University’s sustainability efforts. Ellen Dux, associate director of the Office of Sustainability, said the ceremony’s ambition was a collaborative effort from various offices on campus, including Facilities Management Services, USC Auxiliary Services and the Office of the President, among others. Adam Rosen, vice president of the USC Office of Cultural Relations and University Events, said his department oversaw planning for the event and that he met with Folt to discuss her plans for the day. “[Folt] is using this public opportunity to signal to the broader community that this is a priority, and it speaks more broadly to aggressively advancing sustainability on our campus,” Dux said. “It’s one thing to do zero waste at the Coliseum, which is a huge venue but … the Coliseum is a closed loop — we control everything that goes in or out,” Dux said. “When I initially met with Dr. Folt, she said, ‘The one thing that I want is for this to be the greenest inauguration that has ever happened,’” Rosen said. “We sat down as a team to brainstorm from the event side … and brought in all of our campus partners.” Williams believes that many students are often too busy with their day-to-day tasks to realize the need to be conscious and considerate of their habits. She hopes that Folt’s prioritization of sustainability will increase these conversations on campus. “A lot of people, especially on campus, don’t know how to sort their waste and don’t know the proper ways to recycle, so having such a campus-wide event [where] everyone is invited and everyone is aware of the diversion of waste increases awareness about the movement and promotes sustainability,” Williams said. “This is a very public moment for [Folt] and for USC, and she said ‘I want to put this first foot forward and signal to everyone who is watching that USC is committed … and serious about advancing sustainability,” Dux said. “But it’s not a closed loop, anyone can wander anywhere with a burrito from home or a huge jug of something in plastic.” Ellen Dux, director of USC’s Office of Sustainability, said she believes that a president committed to reducing the University’s carbon footprint will help to educate the community on sustainability issues. (Andrea Diaz | Daily Trojan) “Having someone in the highest office on campus constantly remind us that [sustainability] is important and that environmental crises are happening will impact all of us,” Williams said.