Charges laid against woman alleged to have done plastic surgery without licence

first_imgTORONTO – A woman who Toronto police say was an unlicensed plastic surgeon is facing charges of aggravated assault after a woman required corrective surgery after a procedure.Police allege the patient underwent the procedure in the basement of a 19-year-old woman who advertised herself as “Dr. Kitty” in April 2017.Police say within a few weeks the woman developed an infection that required she undergo corrective surgery.A suspect, Jingyi Wang, has been charged with one count of aggravated assault after the patient complained to police.Investigators say if anyone else has similar allegations that they should get in touch with police.Police say they arrested Wang on Friday and she made her first court appearance in Toronto on Saturday.last_img read more

Prince Charles Talks Climate At World Islamic Economic Forum

first_imgThe Prince of Wales used his keynote speech at the 9th World Islamic Economic Forum in London this week to warn of the dangers of climate change, as well as the depletion of natural resources, and how big businesses often contributed to the problem.The Prince of Wales delivers his address during a reception and gala dinner at the end of the opening day of the 9th World Islamic Economic Forum in London.Credit/Copyright: www.princeofwales.gov.uk/His Royal Highness, a fervent supporter of action on climate change, told the gathering of 1,800 political and business leaders from over 115 countries the deterioration of “nature’s capital reserves” like water and soils can cause direct impacts on food and energy security.“The tragic conflict in Syria provides a terrifyingly graphic example, where a severe drought for the last seven years has decimated Syria’s rural economy, driving many farmers off their fields and into cities where, already, food was in short supply.” he said. “This depletion of natural capital, inexplicably, little reported in the media, was a significant contributor to the social tension that exploded with such desperate results.”The Prince said financial institutions needed to treat “natural capital” with the same importance as financial capital for the strain on the planet’s natural resources to be eased.“It is clear from the Koran, and indeed the Bible too, that humanity has a sacred responsibility for the stewardship of the Earth,” he said. “The time then has surely come for our financial institutions to recognise that the Earth is not a limitless resource that can be plundered at will, and to integrate that principle of stewardship into our financial structures.”He said Islamic banking, or alternative banking, could provide the answers where conventional “banking could not, given Islam’s emphasis on the moral economy”.The Prince said there was a welcome emphasis in Islamic finance that wider ethical and moral codes could not be separated from business.“We each have a scared duty of care towards the Earth,” The Prince said. “It calls upon us to shoulder this work together.”The event, which lasts for two days, is being held outside a Muslim country for the first time.Several major Islamic world leaders are attending, including King Abdullah of Jordan, the Sultan of Brunei and Afghan President Hamid Karzai.The Prince met delegates before taking to the lectern and while much of the discussion was on congratulating The Prince on the arrival of his grandson Prince George, it primarily focused on the desire to forge business links in the UK.Maybank Islamic Chairman Dato’Seri Ismail Shahudin, who chairs Malaysia’s biggest bank, said he had met The Prince before and had always appreciated his desire for business to look out for those less fortunate.“One of the things that struck me was his passion for helping the youth,” he said. “One of the things that is typical of Islamic banking is to help others and not just profit from it.”Guest speaker and prominent Egyptian architect Abdel-Wahed El-Wakil said the importance of holding the forum in London could not be understated.“The Prince coming here is a positive event at a time when everybody’s trying to create schisms,” he said.Source:PrinceOfWales.gov.uklast_img read more

PEI First Nations hopes to restore depleted salmon stocks

first_imgAPTN National NewsA First Nation on Prince Edward Island hopes to restore depleted salmon stocks.Farming on the island has polluted rivers over the years.Resulting declining salmon and trout stocks.last_img

Enbridge announces 32 billion in asset sales in a pair of big

first_imgCALGARY – Enbridge Inc. announced $3.2 billion in asset sales Wednesday in a pair of deals including renewable power facilities in North America and Europe and natural gas gathering and processing assets in the United States.The sales announced hours before its annual meeting allow Enbridge to declare mission accomplished on its goal of raising $3 billion from non-core asset sales in 2018 to reduce its debt and help fund its $22-billion growth program.Enbridge shares rose as high as $41.48 in morning trading on the Toronto Stock Exchange, up about 2.6 per cent from the close Tuesday.Under the first agreement, the company said it has inked a $1.75-billion agreement with the Canada Pension Plan Investment Board (CPPIB) to sell a 49 per cent stake in most of its wind and solar power assets.“The monetization of $1.75 billion of renewable assets through our newly formed joint venture with CPPIB is an important step in achieving the objective we set when we rolled out our three-year plan and strategic priorities in December,” Enbridge CEO Al Monaco said in a news release.“This deal makes a significant contribution to our $3-billion asset sales target for the year and will also eliminate $500 million of equity capital requirement that we had previously included in our funding plan.”Separately, the Calgary-based firm said it will sell Midcoast Operating LP to an affiliate of private equity firm ArcLight Capital Partners LLC for about $1.44 billion.Midcoast operates facilities in Texas and Oklahoma to process and treat natural gas and natural gas liquids.The sale is an important step in the company’s shift to a pure regulated pipeline and utility model, Monaco said.Enbridge and CPPIB have agreed to create a joint venture that includes all of its Canadian renewable power assets, as well as the Cedar Point Wind Farm in Colorado and the Silver State North Solar Project in Nevada.The deal also includes Enbridge’s interests in two German offshore wind projects that are under construction. CPPIB has agreed to fund its share of the remaining costs to complete the projects, estimated at about $500 million.“Since December 2017, CPPIB has committed to wind and solar investments in Brazil, India, Canada, and now the U.S. and Germany,” said Bruce Hogg, managing director and head of power and renewables for CPPIB.“Through the joint venture, we will have the opportunity to grow our renewables portfolio across the European offshore wind market. As power demand grows worldwide, we will continue to seek opportunities to expand our power and renewables portfolio globally.”Enbridge and CPPIB have also signed a deal to form a 50-50 joint venture to pursue future European offshore wind projects.Enbridge said it will retain its interests in certain other U.S. renewable power assets.Both the Midcoast and CPPIB transactions are expected to close in the third quarter, subject to regulatory approvals and customary closing conditions.Follow @HealingSlowly on Twitter.Companies in this story: (TSX:ENB)last_img read more

Jallianwala Bagh massacre The darkest episode of colonial rule

first_imgThe Indira Gandhi National Centre for the Arts (IGNCA) and The Arts and Cultural Heritage Trust (TAACHT) inaugurated the Jallianwala Bagh Centenary Commemoration Exhibition (1919–2019) in New Delhi to an overwhelming response. The exhibition is on till April 28, 2019 from 10 am to 6.30 pm except on Mondays.The exhibition was inaugurated by Ram Bahadur Rai, President of IGNCA, P V Ramesh, Director General, National Archives of India, and Colonel Bogra, grandson of Lala Duni Chand who was a part of the Municipal Corporation of Lahore in 1919. Dr Sachchdinand Joshi, Member Secretary, IGNCA and Kishwar Desai chairperson of The Arts And Cultural Heritage Trust (TAACHT) joined them in lighting the lamp. Also Read – An income drop can harm brainThe exhibition focuses on the history of the Jallianwala Bagh massacre, in the form of newspapers, reports and photographs from that time. All of these are put into a historical context: of the events leading up to the Jallianwala Bagh massacre, and the horrific aftermath. This exhibition also tells the story of Punjab in 1919 in a new way—through its impact on people’s lives. The Jallianwala Bagh massacre was one part of a much larger system of colonial oppression in Punjab that lasted for months, even years. Also Read – Shallu Jindal honoured with Mahatma AwardIt also crucially examines whether it was a conspiracy to trap people inside Jallianwala Bagh with no escape routes. The exhibition uses various installations and mediums to explore the tragedy that befell Amritsar on April 13, 1919 and the martial law that followed. There is also a significant art installation comprising the sort of everyday objects and clothes that may have been strewn in the Bagh after the massacre. This is based on eyewitness accounts. In his welcome address, Dr Joshi while paying his respects to the martyrs stressed on how “Sikhs, Hindus, and Muslims lost their lives together in Amritsar, and that is why Jallianwala Bagh is a reminder of India’s collective tragedy but also its unity and strength in times of crisis.” Kishwar Desai delivered the curator’s note and thanked the young TAACHT team that has worked tirelessly for over two years to put up this exhibition. She also said that the exhibition is a “shradhanjali” to the martyrs. Some of the material at the exhibition comes from the National Archives of India and P V Ramesh noted that, “that this exhibition looks at the darkest moment of colonial rule for not just our country but an entire civilisation and the spirit of the martyrs must inspire not just us but the future generations for another hundred years.” In his presidential address, Ram Bahadur Rai stressed on how Brigadier General Dyer “deliberately killed innocent people and made sure that they could not escape.” He mentioned the infamous well that was “filled with corpses.”last_img read more

Annan appoints veteran management official to head UN Office of Project Services

United Nations Secretary-General Kofi Annan today announced the appointment of the UN Development Programme’s (UNDP) Director of the Bureau of Management, Jan Mattson, to head the UN Office of Project Services, the self-financing unit which provides operational management services worldwide.Both positions are at the level of Assistant Secretary-General. He takes up his new responsibilities on 12 June.As Director of UNDP’s Bureau of Management, Mr. Mattson has been a leader of change management and reform. He also played a leadership role in the High-Level Committee on Management and in the UN Development Group’s Management Group.During his 23-year career in the UN system, Mr. Mattsson also served in various functions in Sri Lanka, India, China and Lao People’s Democratic Republic. He holds a doctorate in engineering and before joining the United Nations system worked as a university lecturer and a management consultant. read more

Progress on sustainable energy improving but world must move faster – UN

The world is heading in the right direction under the Sustainable Energy for All (SE4All) initiative, the Progress Toward Sustainable Energy: Global Tracking Framework 2015 report says, but it must move faster.According to the report, some 1.1 billion people in the world still live without electricity and almost 3 billion still cook using polluting fuels like kerosene, wood, charcoal and dung. And, while picking up steam, renewable energy generation and energy efficiency improvements will need to accelerate dramatically, it says.“We are heading in the right direction to end energy poverty,” said Anita Marangoly George, Senior Director of the World Bank’s Energy and Extractives Global Practice. “But we are still far from the finish line.” The Forum, which opened today and runs through 21 May, comes at a significant time, building momentum on energy issues ahead of both the September UN summit to adopt the post-2015 development agenda, and the December climate conference in Paris. It will contribute to shaping the direction of energy policy for the crucial decades to come, and catalyse vital investment to help make sustainable energy for all a reality by 2030. Source: World Bank Group“Energy touches everything. That’s why you’re here,” Kandeh Yumkella, the UN Secretary-General’s Special Representative for Sustainable Energy for All and CEO of the SE4All initiative, told delegates at the opening plenary today. “Our mantra going forward is very simple: converting commitments to kilowatt hours for real people.”Mr. Yumkella was joined at the opening by Ms. George, as well as Nilda Mesa, Director of the New York City Mayor’s Office of Sustainability; NASDAQ Vice Chairman Sandy Frucher; and Thione Niang, co-founder with R&B artist Akon of Akon Lighting Africa, which is working to provide solar power in more than 10 African countries.“I grew up trying to beat the sun so I could do my homework before the sun went down,” Mr. Niang said. “We take this fight very personally because we grew up knowing the disadvantages of not having electricity.”In the report’s tracking period – from 2010 to 2012 – the share of modern renewable energy in the global energy mix grew rapidly at 4 per cent a year, making up 8.8 per cent of total, but to meet the 2030 SE4All objective, the annual growth rate for renewables needs to be closer to 7.5 per cent.Other areas also saw a pick-up in pace, though not enough to meet the three goals of SE4All, which are universal energy access, a doubling in the global rate of improvement in energy efficiency, and a doubling in the share of renewable energy in the global energy mix – all by 2030.The number of people without access to electricity and the number of people still cooking using polluting fuels like kerosene, wood, charcoal and dung reduced at a faster rate over the two years tracked compared to the previous 20 years, though progress on the latter was slower.Renewable energy generation and energy efficiency improvements also picked up steam but will need even more dramatic accelerations, the report says.“We will need to work a lot harder especially to mobilize much larger investments in renewable energy and energy efficiency,” said Ms. George. “Leveraging public finance to mobilize private capital is imperative in achieving these goals.”To help close the gap the report recommends global policy makers work to triple energy investments from the current level of roughly $400 billion to $1.25 trillion and to adopt modern methods of measuring energy access to replace more traditional measures, such as presence of a household electricity connection, which mask vast differences in the quality of energy services.The report, compiled by the World Bank, also calls for transfer of knowledge and technology for sustainable energy and for increased effort to address the linkages between energy and other development sectors, including water, agriculture, gender and health. Better understanding those linkages will be critical to achieving SE4All and other development goals. read more

Williams leads No 2 UConn to 8971 win at No 1 Notre

SOUTH BEND, Ind. — Freshman Christyn Williams scored a career-high 28 points on 11-of-16 shooting and No. 2 Connecticut never lost the lead after the 6:36 mark of the first quarter in dominating No. 1 Notre Dame 89-71 on Sunday.All-American Katie Lou Samuelson, who was held scoreless by the Irish in the first half, had 15 points, including a three-point play that gave Geno Auriemma’s Huskies a 74-64 lead with 6:08 to play. The Huskies’ biggest lead was 19 points late.Napheesa Collier added 16 points with 15 rebounds. Crystal Dangerfield scored 13 points and Megan Walker had 12 as the Huskies (7-0) ended a 28-game winning streak at home by Muffet McGraw’s Irish, who beat UConn 91-89 in overtime in last season’s NCAA semifinals on way to their second national championship. In its last 100 games at home, Notre Dame is 97-3 — with all the losses coming against the Huskies.Jackie Young, who scored 32 against the Huskies last March, led the Irish with 18 points.No. 3 OREGON 110, LONG BEACH STATE 48EUGENE, Ore. (AP) — Erin Boley scored 24 points, Sabrina Ionescu set a school record with 17 assists and Oregon rolled past Long Beach State.Ruthy Hebard added 19 points and 14 rebounds for the Ducks (7-0), and Maite Cazorla and Satou Sabally each had 18 points. After missing nine of its first 11 3-point attempts, Oregon finished 13 of 29 from beyond the arc as Boley and Cazorla each made four.Ionescu exited with about four minutes to play with 12 points and six rebounds, four shy of her 13th triple-double. She shares the overall NCAA record of 12 with BYU’s Kyle Collinsworth.Shanaijah Davison led the 49ers (1-7) with 25 points.No. 4 BAYLOR 94, No. 18 SOUTH CAROLINA 69COLUMBIA, S.C. (AP) — Kalani Brown had 22 points and nine rebounds to lead Baylor.The Gamecocks (4-4) couldn’t account for the size of the Lady Bears (7-0) and it quickly became a mismatch.Baylor made seven of its first 10 shots to jump out to a 16-3 lead. The Lady Bears scored 32 points in the first quarter — tied for the most ever against the Gamecocks. Baylor ended the first half leading 57-35, scoring the most points South Carolina has ever given up in a first half.Chloe Jackson had 19 points and seven assists and Juicy Landrum was 3 for 4 on 3s to finish with 15 points for the Lady Bears.Te’a Cooper led South Carolina with 16 points. Sophomore LeLe Grissett scored 11 and had 10 rebounds for her first career double-double.No. 5 LOUISVILLE 107, TENNESSEE STATE 52LOUISVILLE, Ky. (AP) — Asia Durr scored 19 points, Dana Evans added 17 and Louisville used several runs over the final three quarters to blow out Tennessee State.The winless Tigers (0-9) trailed only 29-25 early in the second quarter. Louisville (8-0) quickly turned up the defence as Sam Fuehring forced the first of six turnovers leading to 12 points during a 14-2 run over 3:16 that provided a 43-27 lead with 3:34 remaining before the half. Louisville led 49-31 at the break.Louisville then scored the first 16 points during a 37-point third quarter to roll to season highs in points and victory margin.Junior forward Kylee Shook broke a single-game school record with eight blocks, along with grabbing a career-high 14 rebounds.No. 6 MISSISSIPPI STATE 67, No. 10 TEXAS 49AUSTIN, Texas (AP) — Jazzmun Holmes scored 17 points, and Mississippi State beat Texas in the SEC/Big 12 Challenge.The Bulldogs entered the marquee matchup of powerhouse programs coming off a series of early season routs. The result against Texas turned out to be more of the same: The Bulldogs were in complete control, even if the score wasn’t quite so out of hand.Mississippi State (8-0) led by 17 at halftime, stretched it to 24 in the third quarter and was never really threatened.Bulldogs senior Teaira McCowen grabbed 12 rebounds to set the school record with 1,109 for her career. The centre broke LaToya Thomas’ mark of 1,108.Sug Sutton scored 16 points for Texas (7-1).No. 7 MARYLAND 92, UMBC 61COLLEGE PARK, Md. (AP) — Stephanie Jones scored 17 points and freshman Shakira Austin added 15 points and 11 rebounds to lead Maryland.Sara Vujacic finished with 13 points for Maryland, which led 58-30 at the break. Kaila Charles and Taylor Mikesell had 11 points apiece.The Terrapins shot 55 per cent (34 for 62) from the field, including 7 of 14 from beyond the arc. Every player on the Terrapins roster scored at least a point.Maryland (8-0) entered the game leading the nation in rebounds (51) and rebounding margin (19.3). That trend continued as the Terrapins outrebounded the Retrievers 44-28.Junior guard Dominika Skrocka was 6 of 7 from 3-point range and finished with 18 points for UMBC (6-3), which has lost three straight games.GONZAGA 79, No. 8 STANFORDSPOKANE, Wash. (AP) — Chandler Smith scored 20 points, including two late free throws, as Gonzaga beat Stanford.Katie Campbell and Jill Townsend scored 15 points each for Gonzaga (8-1), which won for the second time in 10 games against Stanford. The Bulldogs’ only loss this season is to No. 1 Notre Dame.Kiana Williams scored 18 for Stanford (6-1), which was enjoying its best start in six seasons. All six Stanford wins this season were by at least 22 points.Stanford was hurt by woefully shooting in the first three quarters, as the Zags outshot them 54 per cent to 43 per cent in the game. Gonzaga also outrebounded the Cardinal 38-24.No. 11 TENNESSEE 76, OKLAHOMA STATE 63STILLWATER, Okla. (AP) — Evina Westbrook scored a career-high 29 points on 12-for-15 shooting and Tennessee handed Oklahoma State its first loss in the SEC/Big 12 Challenge.Westerbrook, who made all eight of her shots for 16 points, and Braxtin Miller, who had 22 for the Cowgirls, put on a show in the first half. There were 10 ties and three lead changes with Oklahoma State (6-1) holding a 43-40 lead.Tennessee (6-0) controlled the third quarter, scoring the first eight points and then following that with an 11-1 run. It was 61-49 entering the fourth quarter.Rennia Davis and Zaay Green had 15 points apiece for the Lady Vols and Cheridene Green had 13 rebounds.Miller finished with 29 points, five rebounds and five steals.No. 12 SYRACUSE 98, TOWSON 55SYRACUSE, N.Y. (AP) — Miranda Drummond and Tiana Mangakahia had double-doubles and Syracuse rolled past Towson.Digna Strautmane led the Orange (7-2) with 19 points. Drummond had 15 points and 10 rebounds and Mangakahia 13 points and 12 assists. Gabrielle Cooper and reserve Maeva Djaldi-Tabdi each added 15 points.Kionna Jeter had 19 points for the Tigers (3-4), who last played Syracuse in 1977.Syracuse held Towson to 28 per cent shooting and forced 30 turnovers that were turned into 31 points. Janeen Camp added 10.No. 13 NORTH CAROLINA STATE 85, OLD DOMINION 56RALEIGH, N.C. (AP) — Grace Hunter had 21 points and 10 rebounds, Aislinn Konig hit four 3-pointers and scored 14 points and North Carolina State rolled past Old Dominion.Reserve Armaini Hawkins matched Konig, who went 4 of 5 on 3s to run her consecutive game streak with at least one to 41. The Wolfpack (8-0) are off to their best start since opening 14-0 in 1999-00.Old Dominion (5-2) was led by Maggie Robinson with 17 points. The Monarchs shot 29 per cent, going 4 of 17 from 3-point range, and were 6 of 17 from the line.No. 14 IOWA 92, ROBERT MORRIS 63IOWA CITY, Iowa (AP) — Megan Gustafson scored 32 points with 12 rebounds and Iowa rolled past Robert Morris.Gustafson, who came in shooting 75 per cent, made 13 of 15 shots against the Colonials (1-6) and hit all six of her free throws while posting her 61st double-double. Hannah Stewart scored 16 points with nine boards as the senior pair, who combine for over 36 points per game, dominated down low with the Hawkeyes (5-2) owning points in the paint 56-20. Makenzie Meyer added 12 points as Iowa shot 64 per cent.Nneka Ezeigbo led Robert Morris with 13 points.No. 15 CALIFORNIA 67, CAL STATE NORTHRIDGE 42BERKELEY, Calif. (AP) — Kristine Anigwe scored 26 points — including California’s first 12 — to lead the Lady Bears.Anigwe became the third player in Cal basketball history — male or female — to reach 2,000 career points and the 20th in Pac-12 women’s basketball history. She joins Collen Galloway (1978-81, 2,320 points) and Ashley Walker (2006-09, 2,142) on the list. Anigwe also grabbed 10 rebounds for her seventh double-double in as many games, and 48th overall.Cal (7-0) held Channon Fluker to seven points and five rebounds. She entered the game averaging 25.1 points and 13.3 rebounds per game.De’Jionae Calloway paced Cal State Northridge with 13 points and Jordyn Jackson added 10.No. 19 ARIZONA STATE 70, TULSA 52TEMPE, Ariz. (AP) — Kianna Ibis scored 14 points and Courtney Ekmark and Robbi Ryan each scored 12 and Arizona State won the Sun Devils’ annual ASU Classic.The Sun Devils (5-2) led 36-29 at halftime and took further control in the third quarter limiting Tulsa (5-4) to 4-of-14 shooting. Ibis hit a pair of jump shots and Ryan and Ekmark each added baskets in an 8-0 run to start the third and ASU cruised from there.The Sun Devils have won four of their last five and are averaging 75.2 points per game during that span.Crystal Polk led Tulsa with 14 points.No. 20 MINNESOTA 67, AIR FORCE 50MINNEAPOLIS (AP) — Kenisha Bell scored 27 points and Destiny Pitts added 16 to lead Minnesota.Pitts had seven points in a late 16-0 run that kept the Golden Gophers (7-0) under first-year coach and former star player Lindsay Whalen.Minnesota was up 52-43 with 5:21 to play before holding Air Force for almost four minutes. The Falcons missed six straight shots during the scoring drought.Taiye Bello had 18 rebounds and Bell nine to help Minnesota to a 54-38 advantage on the boards.Kaelin Immel scored 16 points to lead the Falcons (4-4).No. 21 MIAMI 73, COLORADO 58CORAL GABLES, Fla. (AP) — Laura Cornelius hit four 3-pointers and scored a career-high 26 points, Beatrice Mompremier added 15 as Miami handed Colorado its first loss.Cornelius hit a jumper in the final minute of the first half to give the Hurricanes (7-2) at 31-29 lead. The Buffaloes (6-1) took a one-point lead early in the third quarter before Cornelius hit back-to-back 3-pointers to spark a 10-0 run that proved to be the separation Miami needed.With the opening basket of the third quarter, Colorado pulled within 51-44 but got no closer.Peanut Tuitele led Colorado with 15 points and Alexis Robinson added 13 to surpass 1,000 for her career.No. 22 MARQUETTE 85, MICHIGAN 74MILWAUKEE (AP) — Erika Davenport scored 21 points and Allazia Blockton had 18 points, five rebounds and five assists to help Marquette beat Michigan.Davenport shot 9 for 11 and grabbed eight rebounds and Blockton hit 3 of 5 from 3-point range. Amani Wilborn and Danielle King scored 12 points apiece and Natasha Hiedeman had 11 points, seven assists, three steals and two blocks for Marquette (6-1).Hiedeman hit back-to-back 3s — the first of which gave the Golden Eagles the lead for good at 13-12 — during a 16-2 run that made it 24-14 with three minutes left in the first quarter.Hillmon, Priscilla Smeenge and Nicole Munger had 12 points apiece for Michigan and Hallie Thome scored 11.No. 23 IOWA STATE 91, ARKANSAS 82AMES, Iowa (AP) — Bridget Carleton scored 24 points to move into Iowa State’s top 10, Kristin Scott added a career-high 21 and the Cyclones turned back Arkansas in the SEC/Big 12 Challenge.Iowa State (6-1) led by 14 points late in the third quarter but a 7-0 run by the Razorbacks (5-2) cut the lead to 85-82 with 3:02 to play.Chelsea Dungee, who had a career-high 27 points, made a layup at the 3:10 mark then had a steal and was fouled. Dungee, who was 13 of 15 from the line, only made one free throw and Arkansas didn’t score again.Carleton, who also had 11 rebounds, moved past Stacy Frese (1,494) on the Cyclone scoring list.Malica Monk added 22 points for Arkansas.___More AP college basketball: https://apnews.com/Collegebasketball and https://twitter.com/AP_Top25The Associated Press read more

RK Nexe wins 7th memorial Dragan Rankovic in Belgrade

Croatian vice-champion, RK NEXE wins 7th memorial “Dragan Rankovic” in Belgrade dedicated to the most succesful president of Yugoslav Handball Federation and RK Partizan Beograd, who was the main organiser of this tournament. NEXE beat Vardar Skopje 33:29 (16:15) in front of 400 spectators at “Banjica”. Ivan Sliskovic was the TOP scorer with 7 goals…Third place won RK Partizan after victory over RK Metaloplastika Sabac 33:23. Dragan RankovicRK Nexe ← Previous Story Serbia: Men’s EHF EURO 2012 Final is the most viewed TV programm in 2012! Next Story → FTC beat Oltchim in Romania – Krim takes points in Russia! read more

BUDAPEST SKOPJE ZAGREB WARSAW HandballPlanet TOP 100 cities in 2017

At the end of every year, Handball-Planet.com sharing with our visitors numbers and interesting facts about last 12 months. Over 350.000 unique visitors spent their time on Handball-Planet.com pages eight year in a row. The most popular, our work is still in Budapest!Handball-Planet.com had the biggest number of visitors from Hungarian capital ahead of Macedonian capital Skopje, then Zagreb, Warsaw….Handball-Planet.com TOP 50 cities in 2016: Budapest stays No.1!Here is Hanbdall-Planet TOP 100 cities in 2017.1.     Budapest2.     Skopje3.     Zagreb4.     Warsaw5.     Reykjavik6.     Bucharest7.     Copenhagen8.     Ljubljana9.     Belgrade10.  Paris11.  Veszprem12.  Podgorica13.  Bitola14.  London15.  Madrid16.  Szeged17.  Krakow18.  Stockholm19.  Barcelona20.  Berlin21.  Kielce22.  Vienna23.  Bratislava24.  Oslo Municipality25.  Plock26.  Aarhus27.  Minsk28.  Lisbon29.  Athens30.  Oslo31.  Tel Aviv-Yafo32.  Split33.  Celje34.  Gyor35.  Helsinki36.  Shtip37.  Porto38.  Sao Paulo39.  Rijeka40.  Amsterdam41.  Gothenburg42.  Prague43.  Hamburg44.  Cluj-Napoca45.  Wroclaw46.  Brest47.  Aalborg48.  Cologne49.  Munich50.  Zurich51.  Doha52.  Osijek53.  Presov54.  Bergen55.  Zaragoza56.  Sofia57.  Frankfurt58.  Riga59.  Odense60.  Sarajevo61.  Lund62.  Valladolid63.  Gdansk64.  Esztergom65.  Buenos Aires66.  Luxembourg City67.  Vigo68.  Kiel69.  Thessaloniki70.  Kraljevo71.  Mostar72.  Dubrovnik73.  Flensburg74.  Brcko75.  Timisoara76.  Sydney77.  Katowice78.  Rome79.  Kristianstad80.  Tallinn81.  Trondheim82.  Gijon83.  Kosice84.  Tatabanya85.  Lodz86.  Milan87.  Tunis88.  Gevgelija89.  Malmo90.  Szekesfehervar91.  New York92.  Banja Luka93.  Silkeborg94.  Kopavogur95.  Nis96.  Debrecen97.  Slavonski Brod98.  Mandal99.  Istanbul100. Cairo ← Previous Story Petar Djordjic praises Karabatic: Nikola and then three empty places… Next Story → VOTING UNTIL JANUARY 4: Over 66.000 votes for Women’s World Handball Player 2017 Handball-Planet TOP 100 cities in 2017 read more

Perfect 10 Ronan OGaras finest moments in an Ireland shirt

first_img‘Grand Slam at stake…’YouTube credit: mountnugent1949And his drop-goals didn’t end there.No wonder Argentina hated him. His late drop goal in 2004 was another moment when the Pumas came tantalisingly close to making an impact on the big stage, but ROG came away from Lansdowne with a 21-19 win thanks to his five penalties and two drops goals.©INPHO/ Tom HonanConverting in the home of the world champions, 2004.If you’ve spare time today, then you may want to watch this entire clip of Ireland’s unlikely win on (what was supposed to be) the World Champions’ glorious homecoming to Twickenham.This conversion from Girvan Dempsey’s second half try was the kind of kick most people will picture when remembering how great O’Gara was.YouTube credit: Conor RyanMarauding forward in Edinburgh, 2007.At his peak, he almost made a habit of scoring all of Ireland’s points in a tight game. This block-down in Murrayfield paved the way for a maximum score to which he would add four penalties in a 18-19 win.YouTube credit: docathailBeating Australia at the World Cup.A 50th minute replacement, O’Gara played out the half hour of Ireland’s finest ever World Cup display, adding two penalties to put the result beyond the side who were many people’s favourite to win another Webb Ellis.YouTube credit: EllliotJack1The first try in Croke Park, 2007.Another game where O’Gara supplied all the Irish points. This landmark score under the Hogan Stand put Eddie O’Sullivan’s men in the driving seat against France. The Munster 10 would add a late penalty to give Ireland a 17-13 lead. The only problem was that it wasn’t late enough as Les Bleus caused all manner of confusion off the restart, forcing a turnover and a try for Vincent Clerc.YouTube credit: EllliotJack4Beating the BoksROG 17 – 12 South Africa. The boy was untouchable on days like this.©INPHO/Morgan TreacySaving our bacon again in RavenhillOkay, so maybe he didn’t actually score this legally. But nobody else was finding that post-80th minute gap to avoid an embarrassing home defeat to Italy. Though an even more embarrassing World Cup would be on the way. YouTube credit: docathailFinding space to win a Triple Crown in 2006…YouTube credit: Conor Ryan… and set up a Grand Slam in 2009.YouTube credit: Conor RyanThanks for everything, ROG.©INPHO/Billy SticklandEnd of an era? Here’s Ronan O’Gara’s Ireland career in 30 picturesPOLL: Was Declan Kidney right to axe Ronan O’Gara?last_img read more

Thieves steal €70000 worth of coins from Wexford amusement centre

first_imgThieves steal €70,000 worth of coins from Wexford amusement centre An estimated €270,000 worth of damage was caused during the course of the heist. Tweet thisShare on FacebookEmail this article Thursday 22 Feb 2018, 2:27 PM http://jrnl.ie/3866117 By Ceimin Burke Feb 22nd 2018, 2:27 PM Short URL File photo. Image: Shutterstock/Belishcenter_img 42 Comments File photo. 31,970 Views Share484 Tweet Email10 Image: Shutterstock/Belish GARDAÍ ARE APPEALING for information following the well planned raid of an amusement centre in Courtown, Co Wexford, which saw robbers steal an estimated €70,000 and cause hundreds of thousands of euro worth of damage.Thieves disabled the alarm system by cutting wires at a nearby Eir phone site before breaking into Courtown Amusement Centre in the early hours of Saturday morning.Once inside the gang cracked open numerous slot machines and emptied them of their cash.An estimated €70,000, mostly in coins, was taken from the premises and there was €270,000 worth of criminal damage. The arcade was left littered with the debris of destroyed machines.CCTV footage has revealed that the thieves escaped in a vehicle. Gardaí have yet to make any arrests in connection with the incident in the popular seaside town.Damage to wiring at the Eir site meant that local residents were left without internet access for nearly three days.The amusement centre’s management did not want to comment on the raid but confirmed that the business has reopened.READ: Regency trial adjourned for a month to allow for investigation into death of Det Superintendent Colm Fox>READ: Imitation firearm, cash and cars seized in searches by Criminal Assets Bureau>last_img read more

Nucléaire la Pendule de lapocalypse avancée dune minute

first_imgNucléaire : la Pendule de l’apocalypse avancée d’une minuteCréée pour symboliser l’imminence d’un cataclysme nucléaire, la Pendule de l’apocalypse vient d’être avancée d’une minute. Face à la prolifération du nucléaire alliée à la menace du réchauffement climatique, elle indique désormais minuit moins cinq, minuit étant l’heure de cette catastrophe annoncée.Minuit moins cinq : c’est ce qu’indique désormais la Pendule de l’apocalypse. Créée en 1947 par un groupe de chercheurs internationaux, dont 18 prix Nobel, réunis au sein de l’association Bulletin des scientifiques atomiques, cette pendule symbolise l’imminence d’un cataclysme nucléaire, minuit étant l’heure de cette catastrophe annoncée.Depuis sa création, l’aiguille a été ajustée à 19 reprises. En ce début 2012, elle a été avancée d’une minute. Une minute symbolisant “les dangers clairs et imminents de prolifération nucléaire et de changement climatique ainsi que la nécessité de trouver des sources d’énergie sûres et durables”, a expliqué Lawrence Krauss, co-président de l’association et professeur de physique à l’Université d’Arizona, lors d’une conférence de presse rapportée par l’AFP.En janvier 2010, pourtant, la pendule avait été retardée d’une minute, l’association ayant observé un “état du monde plus encourageant”. Allison Macfarlan, la présidente de l’association, explique : “Il y a deux ans, il semblait que les dirigeants du monde pouvaient répondre aux menaces planétaires auxquelles nous sommes confrontés mais cette tendance ne s’est pas poursuivie et a même été inversée”.Une inaction face aux problèmes de la planète À lire aussiLa fusion nucléaire pourrait bien devenir prochainement une réalitéC’est la raison pour laquelle la Pendule de l’apocalypse est revenue à sa position de 2007. “Les dirigeants de la planète font preuve d’inaction face aux problèmes essentiels que sont le changement climatique et la montée des tensions internationales” déplore Lawrence Krauss. Pour Kenneth Benedict, directeur général du Bulletin des scientifiques atomiques, “qu’il s’agisse de relever les défis de l’énergie nucléaire, de soulager les souffrances résultant du réchauffement climatique provoqué par les activités humaines, ou d’éviter un conflit nucléaire dans un monde instable, le pouvoir du peuple est essentiel”. Il appelle alors scientifiques et experts à soutenir l’association pour “mobiliser les citoyens” et ainsi “faire pression sur les responsables politiques et industriels”.Le 11 janvier 2012 à 17:09 • Maxime Lambertlast_img read more

Klop aims at the top four finish

first_imgJürgen Klopp managed to guide his team to the Champions League finals but he also has to take care of the domestic league as Liverpool are still fighting for the top four finish.The German coach admitted that it would be far better to play for the title but it hasn’t been possible this season as Manchester City have been phenomenal – but the top four finish would be a success as well.The former BVB manager spoke about his side’s season’s ending as he said, according to Telegraph:divock origi, liverpoolReport: Origi cause Klopp injury concerns George Patchias – September 14, 2019 Divock Origi injury in today’s game against Newcastle is a cause for concern for Jurgen Klopp.Perhaps with one eye on Tuesday’s trip to Italy…“It would be massive. It was actually the main target we had at the start of the season. You want to be champions but it was clear after a few months that would not be possible.”“The target is qualifying for the Champions League. That would be a big success. With the group we’ve got, with how we came to the final and playing with the biggest intensity in all parts, being ready again, then the injuries we had, it would be a massive success. It’s exactly what we want.”last_img read more

SDLCE is one of the best says Prof Limbadri

first_imgWarangal: School of Distance Learning and Continuing Education (SDLCE) of the Kakatiya University (KU) is one of the best institutions in the country offering distance mode education, the Telangana State Council for Higher Education (TSCHE) Vice-Chairman Prof R Limbadri said. Limbadri, who visited SDLCE here on Tuesday, said that the SDLCE is on par with the prestigious Indira Gandhi National Open University (IGNOU) and the Dr B R Ambedkar Open University in imparting quality education besides possessing infrastructural facilities. Also Read – Techie strangled to death in Hyderabad Advertise With Us He said that there are umpteen numbers of students who pursued their academics in the distant mode education and got selected to civil services. He also hailed the varsity management for providing distance mode education at a very affordable fee. SDLCE Director Prof Guguloth Veeranna said that they had made admission process easy for those candidates who wanted to pursue their studies in the institute. “We have introduced online admissions besides providing best study material,” Prof Veeranna said. On the occasion, Prof Veeranna felicitated Prof Limbadri. KU Development Officer V Ramachandram, joint director Prof T Srinivas Rao, Prof Balbir Singh, Dr Gade Pani, SC/ST SDLCE Employees Union President and Vice-President Dr Kotte Bhaskar and Dr Sangala Ephraim Raj were among others present.last_img read more

7th pay panel recommendations may only be implemented in mid2016 Macquarie India

first_imgIn what could be a slight disappointment for Central government employees, the implementation of the Seventh Pay Commission recommendations may only happen in mid-2016, according to brokerage firm.”There is no certainty it would happen even in the next six months,” said Rakesh Arora, managing director and head of research, Macquarie India.The implementation of the previous pay panel recommendations was delayed by 2.5-3 years, said Arora.The Seventh Pay Commission, headed by Justice A K Mathur, recommended a 16% hike in basic salary and a 63% increase in allowances for government employees, taking the overall hike in salaries to 23.55%. The recommendations have to be cleared by the Cabinet to become effective from January 1, 2016.”And still there is no guarantee that it is going to be implemented in the next six months, it is still for the government to really consider. So what we are saying is from the timing it can happen by middle of 2016 and not be pushed out too late,” NDTV Profit quoted Arora, as saying.The government’s expenditure on salary payments to employees will go up by a whopping Rs 1 lakh crore upon the implementation of the commission’s proposals.The increase in the government’s salary bill is expected to weigh on its efforts to bring down the country’s fiscal deficit.”A recommended 23.55% increase in remuneration for India’s Central government employees, if fully implemented, would have a significant impact on the government’s wage bill, and add to challenges the government faces in achieving fiscal consolidation targets,” Fitch Ratings had said last month. “The government could seek to cut expenditures in other areas.”last_img read more

Opinion Ive Asked Hundreds Of Students If They Would Feel Safer If

first_img Share Photo by Fuse/Getty ImagesTeacher Mike Conrad says in the wake of the mass shooting in Parkland, Florida, students have told him they’d feel less safe if teachers were armed.Editor’s note: In a listening session with survivors of gun violence at the White House this week, President Donald Trump said he’d be open to considering a proposal to arm school employees who have experience handling guns. Many teachers have taken to social media over the last few days to protest against that kind of policy, using the hashtag #ArmMeWith — and filling in the blank with something other than a weapon. Mike Conrad, a teacher at Royal Oak High School in Royal Oak, Michigan, wrote this piece on Facebook in the aftermath of the mass shooting at a high school in Parkland, Florida, and discusses why he does not support teachers carrying weapons in school.I am a teacher. I have a bachelor’s degree in my content area. I have 19 years professional experience in my content area. I hold a master’s degree in delivering that content to students. And I have eight years of experience delivering that content to students. That is what I do and I think I do a damn good job.What I do NOT have is the experience, the training, the knowledge, nor the desire, to be an armed defender against an assault weapon while trying to deliver my subject area content to my students. Nor should my students be under the perception that at any given time I may be called upon to draw and fire that weapon to protect them while they attentively sit in my classroom learning that content.If you feel otherwise I challenge you to spend a day shadowing a teacher, preferably a teacher who teaches small children. And at the end of that day ask yourself if adding a gun to the hip of that teacher makes any student feel safer. I have asked this question to hundreds of students: “Would you feel safer knowing that I or any teacher were armed?” Not one student has ever responded with a yes. Most said they would feel less safe.If I ever have the privilege of having any of your children sit in my classroom in the future, I promise you that I will do everything in my power to make them feel, and believe, they are in a safe environment. But it is not my responsibility to be the armed front line of defense of an active school shooting against an automatic or assault weapon. There are many steps that can be changed before that event happens to make sure that an armed teacher never becomes a reality.The PBS NewsHour’s Teachers’ Lounge blog, written by teachers or school-related staff, gives the public a glimpse into how current events affect life inside schools. Sign up for the PBS NewsHour Education mailer here.last_img read more

Delhi food truck festival concludes

first_imgIndia’s Biggest Food Truck Festival , the Delhi Food Truck Festival (DFTF) 2017, a two day affair finally came to an end and captured many eyeballs for not only being conducted at a massive level but also for being the first food truck event to offer plethora of fun and engaging activities. The fest had already been trending up ever since its inception and has become a buzzword in the culinary circles for showcasing the best of the Food Trucks!History says the first food truck festival was conducted in Los Angeles and post then, food truck festivals have been happening in all parts of the world such as Chicago, New York, Berlin etc. With the trend emerging in India, the Capital was expected to host a Big Show after being recently conducted in Bangalore and Bombay and DFTF 2017 left no stone unturned for this to happen! Also Read – Add new books to your shelf’We had incorporated many authentic activities to create a wholesome experience for all kind of audiences,” said Shivangi Gupta, one of the organisers. Talking about the vision she says, ‘Being the debut, we were not focusing on the commercial success but wanted all the visitors to have a good time and have a one-of-a-kind experience and feel the difference”.Delhi Food Truck Festival powered by India Gate Basmati Rice, was an initiative by VMS Events and Radio City 91.1 and saw 18k people attending the fest during both the days.Be it Rain Dance to soothe everyone amidst Delhi’s 42’c heat, or live Performances by Jassie Gill and Babbal Rai on Baisakhi to Witlinger adding a craft beer flavour to the food for beverage connoisseurs, all fascinated the food aficionados and kept hem expecting for more fun at Delhi’s biggest Food Truck Festival.last_img read more

Nuclear Imaging Equipment Market By Historical Growth Trends Regions Type

first_imgNuclear Imaging Equipment Market analysis report speaks about the manufacturing process. Nuclear Imaging Equipment market report also analyses the market growth, Market trends, market overview & market forecast to 2025.Global Nuclear Imaging Equipment Market to reach USD 2.87 billion by 2025.Global Nuclear Imaging Equipment Market valued approximately USD 1.80 billion in 2017 is anticipated to grow with a healthy growth rate of more than 6.0% over the forecast period 2018-2025. The Nuclear Imaging Equipment Market is continuously growing in the global scenario at significant pace. Nuclear imaging equipment uses radioactive substances or tracers for the purpose of imaging. Nuclear imaging is a nascent imaging technology that uses small quantity of radioactive substance linked to compounds used by the body’s cells or compounds that attach to tumor cells. Using special detection apparatus, the radioactive substances can be located in the body to see when and where they concentrate, and this technique has the capacity of improving disease prevention, clinical research, medical diagnosis and treatment. Technological advancements such as hybrid imaging, increasing prevalence of cancer & cardiovascular diseases, and the development of molecular imaging in medical diagnostic are the substantial driving factors of the market during the forecast period.Get Sample Copy of this Report @ https://www.bigmarketresearch.com/request-sample/2961858?utm_source=HTN&utm_medium=ABMoreover, growing demand from emerging economies is likely to creating lucrative opportunity in the near future. Further, nuclear imaging equipment also offers various benefits such as it makes complex medical procedure easier, it improves method for early detection, it also offers additional treatment plans and so on. These benefits are also increasing demand of nuclear imaging equipment across the world. However, high cost of imaging equipment and unfavorable government regulation are the key restraining factors of the market during the forecast period.The major market player included in this report are:CMR Naviscan CorporationDDD-Diagnostic A/SDigirad CorporationGE HealthcareMediso Medical Imaging System Ltd.Neusoft Medical Systems Co. Ltd.Philips HealthcareSiemens AGSurgiceye GmbHBy Product:SPECT – Hybrid SPECTStandalone SPECTHybrid PETPlanar ScintigraphyBy Application:OncologyCardiologyNeurologyBy End-Use:HospitalsImaging CenterAcademic & Research CentersOthersTarget Audience of the Global Nuclear Imaging Equipment Market in Market Study:Key Consulting Companies & AdvisorsLarge, medium-sized, and small enterprisesVenture capitalistsValue-Added Resellers (VARs)Third-party knowledge providersInvestment bankersInvestorsGet a discount on this research report @ https://www.bigmarketresearch.com/request-for-discount/2961858?utm_source=HTN&utm_medium=ABAbout Us:Big Market Research has a range of research reports of various domains across the world . Our database of reports of various market categories and sub-categories would help to find the exact report you may be looking for.Contact Us:Mr. Abhishek PaliwalBig Market Research5933 NE Win Sivers Drive, #205, Portland,OR 97220 United StatesDirect: +1-971-202-1575Toll Free: +1-800-910-6452E-mail help@bigmarketresearch.comlast_img read more

The Worst of TRID is Yet to Come for Community Banks

first_img in Daily Dose, Government, Headlines, News The mortgage industry is still adjusting to the TILA-RESPA Integrated Disclosure (TRID) rule, and although the dust has seemingly settled community banks are still battling with the regulation.Even though the industry struggled with TRID implementation and there’s a good chance that delays continue, there’s a feeling that the worst has passed.Eric Rawlings, Chief Technology Officer at Digital Risk and Janice Minchenberg, Director of Implementation Management at Digital Risk discuss how “bolt-on” technology meant to make lending systems compliant remains costly, inefficient, and a band-aid solution, especially among community institutions.MReport: There has been a lot of talk about how increased regulation has been tough on community banks. How are they adjusting to the implementation of TRID?Rawlings and Minchenberg: If you ask them, not well. The Community Banks did not have the luxury of funding an in-house solution to the TRID compliance challenges, as compared to larger financial institutions. As a result, they have had to purchase technology from third-party vendors, but these technologies are not perfect; there are compliance issues that not only slow down the pace of the business, but also expose them to regulatory liability and could even make the loan unsaleable on the secondary market. The problem community banks are facing is that many investors interpret the changes differently: Agency loans have not been an issue for them because the GSEs allow more leeway for “errors”  (currently), but Jumbo and Bond loans have more confusion and are at a higher risk of being deemed unsaleable. Larger lenders still face the same challenges, but they have the ability to portfolio loans and retain servicing. Thus, the potential for risk and financial loss is greater for community banks, where just a few unsalable loans can have devastating effects on the bottom-line. Additionally, Community Banks have the added cost of seeking external pre-closing quality control services, as well as external training, webinars, LOS systems and counsel, to reduce the risk of producing unsaleable loans. Unsurprisingly, community lenders have been outspoken regarding these issues in their efforts to secure grace periods and to ensure the industry understands that the depth of the TRID impact has been different for smaller lenders.MReport: What are a couple of the major TRID compliance issues you have been hearing about or that you have experienced within the community bank space?Rawlings and Minchenberg: The biggest issue so far for community lenders has been the software reconfigurations necessary to begin processing TRID loans in the first place. TRID combined prior forms, created two new forms, changed timelines and made minor details more important than ever. For example, the LE and the CD have different rules of rounding numbers, and most systems do not accurately capture that. Another issue for Community Banks is the longer timeframes for closing, which lengthens the period for the locked interest rate. Community Banks have to sell the loans within the lock period they locked with the investor, so if the lock period is lengthened, they have to pass along the cost of the extended lock period onto the customer. Larger Banks can absorb this cost, so Community Banks’ pricing is becoming less competitive. Additionally, many large banks have been issuing credits to the consumer for errors, rather than issuing changes in circumstances and delaying closings. Community Banks cannot eat those costs and must instead re-disclose and wait for the time periods to be met. Following the timeframes has also created issues with many lenders inadvertently issuing a re-disclosed LE after the CD may have been issued, causing a violation and potential penalty or even an unsaleable loan. As a result, the community banks with weaker internal support for technology and fewer resources have taken more time to verify the accuracy of the documents via personnel review, costing them money and time. Even with these reviews, mistakes have still occurred, and the potential for liability weighs heavily on the community lending leaders.MReport: Do you see TRID compliance becoming less or more of an issue over the next year among community banks?Rawlings and Minchenberg: We believe that TRID compliance will be more of an issue in the short-term. The issue will begin to resolve once the inaccuracies within the LOS systems have been discovered and corrected, Investors become more comfortable with the changes, the Closing Attorneys/Title Companies are on the same page, and employees understand the requirements. Even with the CFPB’s recent response to the Mortgage Bankers’ Association regarding deference to good faith efforts in TRID compliance, the technology solutions for TRID still, at some point, must work properly. Good faith will only take a community bank so far. Employing a vendor solution that fails again, for example, may have a significant detrimental impact on business. Either way, TRID will remain the focus of community banks in the New Year as they search diligently for a true solution.  Most of these kinks will be worked out but community banks in the long-term; however, community banks will still be faced with the additional cost to validate compliance reviews, and consumers who obtain loans from community banks will be required to pay higher fees to compensate for the longer lock periods, closing time frames, and additional costs the lenders and closing attorneys/ title companies have had to incorporate. We recommend that large lenders and community banks obtain third-party assistance from compliance and technology experts, such as Digital Risk, who can bridge the gaps between technology solutions and newly implemented regulations.MReport: What role does technology play in TRID regulation? Has it been effective among community banks? Or is it just a temporary solution?Rawlings and Minchenberg: Yes, Technology plays a very large role in TRID regulations and will not be a temporary solution.  Technology will be ongoing for many calculations, alerts for increased fees, tolerance violations, accurate date requirements, deadlines, proper calculations, rounding, placement of fees and the output forms properly extracting the correct data into the correct fields. Technology will also remain important to the tracking of the disclosures, how they were submitted to the consumer, and the need for an increased amount of electronic signatures. As rates increase and Adjustable Rate Loan programs become more dominant, it will be even more important that technology is properly configured, since there are many additional fields that will be required. In fact, many of these additional fields have not been tested at this time because ARM loans are currently not popular.Many community banks do not have their own LOS systems and usually purchase a third-party LOS system, which enables them to rely on that vendor to apply the adjustments and updates.  We believe in this case, community banks may have an upper hand over the larger banks as they have the ability to have the corrections made by their LOS vendor, rather than having to either hire internal technical support or depend on the internal team to figure out a workaround. Many large lenders have had to install a manual work around until their inside technology teams can incorporate improvements to their systems, thereby leading them to hire third-party vendors to get them caught up and back on track.  Technology will also be required to assist in reminders and alerts for timing of the disclosures, proper calculations for the different definitions of business days, tracking, and retaining proof of the intent to proceed, methods of document delivery and receipt and document retention.MReport: As lenders engage in more efforts to bring Millennials into the housing market, the availability and efficiency of lender technology will be emphasized. How can community banks reach this generation effectively?Rawlings and Minchenberg: Having come-of-age in an era of incredibly quick technological development, Millennials expect the option of doing business quickly, virtually, and from anywhere they choose. The ability for electronic delivery, e-signature and smart phone applications will be in demand to allow for the ease of following the loan process through real-time electronic updates and texting. Because of the pace of technology development and the power of brand recognition in the Millennial generation, community banks are at a disadvantage as the cost of obtaining this type of technology may be out of reach for them. As a result, community banks must be targeted in their efforts by focusing on the technology most aligned with Millennial expectations. Streamlining these few aspects of technology will have the largest impact on the Millennial Customer Experience, while incurring the most reasonable expense.Click here to learn more about Digital Risk. Community Banks Digital Risk TILA-RESPA Integrated Disclosure Rule TRID 2016-01-08 Staff Writer The Worst of TRID is Yet to Come for Community Bankscenter_img January 8, 2016 717 Views Sharelast_img read more