By Dialogo November 29, 2012 The “General José María Córdova” Military School of Cadets was all dressed-up to receive 16 guest nations participating in the Third Inter-American Symposium for the Development of Military Sciences on November 28. The opening ceremony was headed by Colombian National Army Commander, General Sergio Mantilla Sanmiguel. The purpose of the symposium is to gather military academies from around the world to exchange ideas and opinions, as well as to increase military academic and research exchanges among international institutions. On December 2, the event will come to an end, and delegates from military academies and schools from Argentina, Bolivia, Brazil, Canada, Chile, Ecuador, the United States, Guatemala, Honduras, Mexico, Paraguay, Peru, Dominican Republic, Uruguay, Venezuela and Colombia, will address topics, such as education and doctrine in military science, its contribution to democracy, as well as intelligence and strategy as a fundamental basis, among other subjects. Therefore, nations will focus their efforts to develop projects that contribute to updating and structuring tactics and capabilities required by the armies to achieve a stronger comprehensive model for collaboration. The creation of this academic and research event took place three years ago, when the Colombian Army Command accepted an invitation granted by the South Korean Military Academy, in order for the “General José María Córdova” Military School of Cadets to host this third military convention of nations. Eventually, the symposium will be carried out every two years on the Military School Campus declared as head office; however, it may be able to temporarily relocate to a different country, upon request.
In the realm of financial institutions, the credit union still offers more than its competition. Whereas credit unions were hampered by limited technological options in the past, new developments in data collection, integrations, and analytics are helping them compete with banks.Recently, my wife and I were shopping for a mattress. We began the process by “trying out” mattresses by how they felt. My wife thought she preferred firm mattresses, while I thought I preferred soft ones. As we tried mattress after mattress, my wife would ask me, “what do you think about this one,” to which I would usually reply, “It feels pretty good to me.” We became frustrated by our search until we found a mattress store that comforted us with data.The mattress store (Becker Furniture World) is locally owned with only 8 locations (does this sound familiar to your credit union?). They approached mattress shopping from a data-driven way. By using an analytic data model (developed by Sleep to Live Institute), they are using analytics to aid customers in their mattress investments through data sensors and user input. The data comforted us enough that we decided to purchase one of the mattresses it recommended. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
continue reading » The compliance team occasionally receives questions about when a credit union can obtain a consumer report from a credit reporting agency under the Fair Credit Reporting Act (FCRA). Section 604 of the FCRA explains when a credit reporting agency can provide a consumer report to a credit union (i.e., when a credit union has a permissible purpose to obtain a consumer report). For example, a permissible purpose exists under the FCRA when a member submits an application for credit to the credit union or when a credit union reviews a consumer report to determine whether a modification of the terms of an existing credit card account is warranted. This blog will examine an issue solely relating to firm offers of credit and prescreening. In this context, unsolicited means not initiated by the credit union’s member: No application for credit was submitted by the member.Firm Offers of Credit and PrescreeningIn general, there is no permissible purpose to obtain a consumer report for marketing purposes. Despite that general prohibition, the FCRA permits credit reporting agencies to provide credit unions with consumer reports so credit unions can make unsolicited firm offers of credit to members. This process, also commonly known as prescreening, may involve the credit union establishing specific criteria obtained from information contained in a consumer report to qualify members for offers of credit that are unconditional but for verification of whether the members continue to meet the eligibility criteria.What if a credit union runs prescreening campaigns in sequence, one after the other? Let us assume that a member receives a prescreened offer but chooses not to accept it. Four weeks later, the member receives another prescreened offer from the credit union and still has time to accept the first firm offer of credit. The member then decides to accept the first prescreened offer. Is that second prescreened offer unconditional? Possibly, but only if the member continues to satisfy the specific criteria that was used to develop the subsequent prescreened offer. If the member no longer satisfies the specific criteria because of the acceptance of the prescreened offer that came first in time, then the FCRA suggests the second prescreened offer is no longer unconditional. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Categories: Letters to the Editor, Opinion I received a disheartening message recently. As the chairman of the Department of Surgery at Ellis Hospital, a disheartening message usually means a patient has received a terminal prognosis. In this case, the notice was far less critical, but just as disturbing. The Niskayuna Democratic Committee, whose candidates in this year’s election are Joe Landry, Denise Murphy-McGraw, John Della Ratta, Peter Scagnelli and Diane Percy, sent out a “mailer,” claiming that my daughter — at the top of the Republican ticket for this year’s elections — was racist, Anti-Semitic, and Anti-Muslim.How would my daughter, Yasmine Syed, harbor such beliefs? I’m a Muslim. So are three of her uncles and two of her aunts. Her mother, Anne Marie, is of Jewish descent whose ancestors barely evaded persecution in Hitler’s Europe, escaping to America after World War II. Yasmine is half-white, half-Middle Eastern, the daughter of both a Muslim and a Christian, the descendant of Jews. As a parent, I asked, “What did my wife and I do wrong?” I quickly realized we didn’t do anything wrong. It was Joe Landry and his team of Democrats who did something wrong. In Mr. Landry and his political counterparts’ ignorance and haste to smear my daughter and the Republican slate of candidates, they revealed a glaring oversight.They failed to even properly research their opponent. My daughter and all of our children are a living, breathing “League of Nations.” Being of Pakistani descent, she isn’t anti-Muslim. With a mother of Jewish heritage, she isn’t anti-Semitic. And being half-Caucasian, half-Middle Eastern, she isn’t racist. As Jesus said in Mark 3:25: “If a house is divided against itself, that house cannot stand.” Basically, Joe Landry and the Niskayuna Democratic Committee would have you believe my daughter is full of hate — for herself.If Mr. Landry and the Democratic slate don’t even know or respect our family, do you think they care about your family or what’s needed to make Niskayuna a better place? Since my wife and I moved here in 1982, this town has represented every good thing about America that I sought to enjoy when I emigrated from Pakistan in the 1970s.With this ugly, hurtful, and most importantly false mailer, Mr. Landry and his team reminded us of what our families sought to escape by coming here to America: accusations and innuendo based on personal politics or ethnic background. Niskayuna is better than this, and I know you are, too. Politely, I hope you’ll keep this in mind on Election Day, Nov. 7.Iftikhar SyedNiskayunaMore from The Daily Gazette:Puccioni’s two goals help Niskayuna boys’ soccer top Shaker, remain perfectNiskayuna girls’ cross country wins over BethlehemEDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Beware of voter intimidation
Lyon will seek £60m to sell Moussa Dembele this summer. L’Equipe says Manchester United and Chelsea frontrunners for the striker. The ex-Fulham star, 23, has scored 16 times in 27 French top-flight matches this season, attracting the attention of the Blues and United. It is believed that Dembele could cost any potential suitor in the region of £60million and the French outfit are expecting numerous offers for their star.Advertisement He remains a top target for Manchester United and Chelsea, despite the ongoing coronavirus outbreak casting doubt over the schedule and threatening financial problems. United have been linked with the Frenchman as far back as last May. read also:Barcelona would only sell Ousmane Dembele for ‘golden’ offer They were poised to make an offer for the Lyon ace in August when boss Ole Gunnar Solskjaer was hunting for a Romelu Lukaku replacement. FacebookTwitterWhatsAppEmail分享 Loading… Promoted Content7 Universities Where Getting An Education Costs A Hefty PennyWho Is The Most Powerful Woman On Earth?12 Marvel Superheroes When They Were Kids5 Of The World’s Most Unique Theme Parks10 Risky Jobs Some Women DoTop 10 Most Romantic Nations In The WorldSuper Recognizable Outfits That Actors Wore In The Famous Movies7 African Actresses With Thick Skin Who Got Famous In HollywoodThe Very Last Bitcoin Will Be Mined Around 2140. Read MoreEver Thought Of Sleeping Next To Celebs? This Guy Will Show YouYou’ve Only Seen Such Colorful Hairdos In A Handful Of Anime8 Superfoods For Growing Hair Back And Stimulating Its Growth
EAST MOLINE, Ill. (May 9) – A Mother’s Day show at Quad City Speedway is next on the schedule for the Deery Brothers Summer Series.Touring IMCA Late Models race for $2,000 to win and a minimum $300 to start their Sunday, May 14 main event at East Moline.Tour rookie Jake Neal of Omaha, Neb., leads the point standings heading into the sixth series event of the season. Luke Goedert of Guttenberg, Iowa, is in second, two points off the pace and just nine points separate the first and fifth place drivers.Pit gates open at 3 p.m. and the grandstand opens at 3:30 p.m. Sunday. Hot laps are at 5:15 p.m. with racing to follow.Box seating is $18 while other spectator admission is $15 for adults, $8 for kids ages 6-12 and free for five and under. Pit passes are $30.Also running are IMCA Modifieds and Karl Chevrolet Northern SportMods. All applicable points, including local track, will be awarded in all three IMCA divisions.More information is available by calling 309 792-5030 and at the www.qcspeedwayracing.com website.Nineteen previous Deery events have been held at East Moline. Joel Callahan of Dubuque, Iowa, was the winner there last May.Deery Brothers Summer Series top 20 point standings – 1. Jake Neal, Omaha, Neb., 175; 2. Luke Goedert, Guttenberg, Iowa, 173; 3. Matt Ryan, Davenport, Iowa, 170; 4. Cayden Carter, Oskaloosa, Iowa, 169; 5. Jesse Sobbing, Malvern, Iowa, 166; 6. Chad Holladay, Muscatine, Iowa, 160; 7. Curt Martin, Independence, Iowa, 155; 8. Jeremiah Hurst, Dubuque, and Jeff Tharp, Sherrill, Iowa, both 150; 10. Richie Gustin, Gilman, Iowa, 148; 11. Darrel DeFrance, Marshalltown, Iowa, 143; 12. Joel Callahan, Dubuque, Iowa, 140; 13. Justin Kay, Wheatland, Iowa, 117; 14. Tyler Bruening, Decorah, Iowa, and Paul Conrad, Colo, Iowa, both 110; 16. Jeff Aikey, Cedar Falls, Iowa, 109; 17. Curt Schroeder, Newton, Iowa, 101; 18. John Emerson, Waterloo, Iowa, 91; 19. Nick Marolf, Wilton, Iowa, and Jay Johnson, West Burlington, Iowa, both 90.
Jubilee Party Vice Chairman David Murathe has arrived at Integrity House, the EACC headquarters, where he will be grilled on the KEMSA scandal.Murathe arrived at EACC shortly before 3pm dressed casually and appeared to be in high spirits, even asking journalists why they were not wearing masks.The vocal Jubilee party politician is expected to respond to queries on his involvement in the alleged KEMSA procurement scandal as investigations take center stage. He however during a recent interview admitted to working with businessman Tony Gachoka but clarified that their dealings aren’t related to KEMSA.Also Read Noordin Haji reorganizes ODPP in renewed war on graftSpeaking after spending close to four hours with officers from EACC, Murathe said he was summoned to provide more information based on an interview he held recently with a local television station.Murathe asserted that Kiling limited which he is allegedly associated with did not receive funds from KEMSA.Meanwhile, Lari MP Jonah Mburu will spend the weekend in the cell after he was arrested Friday morning by detectives from the Kenya Anti-Corruption Commission over a 27 million-shillings scandal.Also Read SRC moves to address pay disparities He is being accused of misappropriating CDF through fictitious constituency development projects.Mburu was grilled for the better part of Friday before being locked in the cell to await his day in court on Monday.Elsewhere, the Director of Public Prosecutions DPP Noordin Haji has ordered the arrest and prosecution of Tharaka Nithi Governor Muthomi Njuki and several county officials over the irregular award of a solid waste project contract worth over 34 million shillings. According to DPP, Westomaxx Investments Limited, a company that had submitted fraudulent documents was awarded the tender. The DPP said he was satisfied with the recommendations of the Ethics and Anti-Corruption Commission on the involvement of the governor in the tender award. According to EACC, the project was procured, implemented and commissioned without an Environmental Impact Assessment and license from the National Environment and Management Authority. Murathe a key ally of President Uhuru Kenyatta is on record stating that he was not involved in any tender at the Kenya Medical supplies Authority.Get breaking news on your Mobile as-it-happens. SMS ‘NEWS’ to 20153
RelatedPosts EPL: Son fires four past Southampton Son set for South Korea military service Everton’s Gomes to have surgery on broken ankle Tottenham forward Son Heung-min has travelled back to London ahead of a possible return to training.The 27-year-old spent time in Seoul after completing his compulsory national service in the South Korean Military Corps, where he finished among the top five performers. He made his way back to London on Saturday and will not have to self-isolate unless he tests positive for coronavirus, in line with Premier League and Government protocols.That means Son is set to be back at the club’s Hotspur Way training ground next week for solo sessions and could be free to join in group training as and when the Premier League allows it.The coronavirus pandemic has allowed Son to fully recover from a broken arm, which looked set to rule him out for the season, while also giving him a chance to carry out his national service without it impacting on his career.He was due to serve 21 months but earned an exemption after being part of his national team which won the Asian Games in 2018 and, as a result, only had to complete three weeks.Tags: Hotspur WaySon Heung-minTottenham Hotpsur
Warren Gatland has declared the British and Irish Lions’ unique place in the rugby landscape must be safeguarded, but stressed that some changes have to be made to the structure of future tours. “Australia was tougher than it was in South Africa four years ago because the game’s becoming more and more physical. It’s tough to put two games together in a week, so maybe you need a break in between games to rejuvenate yourself. “It’s important that the Lions and home unions get together to agree adequate preparation time. The season needs to be adjusted so that we can spend a couple of weeks in the UK preparing properly. The Lions need to be given the best possible chance to be successful for the future. “New Zealand is harder to tour from a logistical point of view. It wasn’t until I left there that I realised what a difficult country it is to tour because getting around is more challenging.” Gatland is open to the possibility of being at the helm when the elite of British and Irish rugby visit his homeland in four years time. “There’s a lot of water to go under the bridge before 2017. You get opportunities in life if you’re part of successful environments and teams,” he said. “Winning a couple of Grand Slams with Wales and reaching the semi-finals of the World Cup has given me this opportunity. “I’m grateful for the chance and if it came up again then it’s something I might look at.” Press Association A first series victory since 1997 was completed with the 41-16 rout of pre-match favourites Australia in the third and final Test of an epic struggle between the rivals. “The Lions are something that we need to preserve for the modern game. It’s special and it has been a privilege for me to experience it,” he said.
Sam Allardyce emerged triumphant from what has been called the P45 derby, with West Ham securing an unprecedented third win over Tottenham in a single season to ensure survival and heap further pressure on counterpart Tim Sherwood. Their form heading into the match could not have been any different – the hosts failed to win in April, while Spurs were unbeaten – yet the clubs share similar stories when it comes to managerial uncertainty. Sherwood’s impressive win ratio has not been enough to stop speculation on his future that will no doubt intensify after West Ham ended a four-match losing streak with a 2-0 win in their final home match of what Allardyce acknowledged has been a “testing campaign”. The fans made their frustration known during last weekend’s defeat at West Brom with anti-Allardyce chants and banners, although those same supporters will have no doubt left the Boleyn Ground in a better mood after beating Spurs for a third time this campaign. An even, entertaining opening was blown apart midway through the first half by Younes Kaboul’s red card, which was followed minutes later by Harry Kane accidentally nodding Andy Carroll’s header past his own goalkeeper. The east Londoners doubled that lead just before the break after Paulinho and Emmanuel Adebayor left an embarrassingly large gap in the wall, which Stewart Downing’s free-kick duly exploited to ripple the back of the net. Only the inspired form of France goalkeeper Hugo Lloris prevented West Ham from adding more in the second half, with the poor displays of those ahead of him meaning there would be no respite at the end of a difficult week for Sherwood. His side began well enough at the Boleyn Ground, with Kane close to an opening goal after 52 seconds when West Ham goalkeeper Adrian’s rushed clearance ricocheted off him and spun wide. Adebayor was unable to cap a wonderful, flowing team move by striking tamely at Adrian soon after, before Carroll saw appeals for handball against Kane fall on deaf ears. Michael Dawson appeared to then handle from the resulting corner, from which the ball broke to Guy Demel and his looping strike came off the crossbar. Adrian saved a Paulinho header on goal and Downing blazed over as play swung from end-to-end, until the dimensions changed in West Ham’s favour in the 25th minute. A wicked deflection saw the ball looped over Spurs backline into the path of Downing, who, having left Danny Rose in his wake, continued on goal until being bundled over by a brainless challenge by Kaboul. Referee Phil Dowd deemed him to be the last man and showed a straight red card, with Lloris having to be at his best to stop Carroll venomously firing home the free-kick that followed. The ball went out for a corner and when Mark Noble swung it across, West Ham ended their 257-minute wait for a goal, with Carroll’s header going in via an unfortunate deflection off Kane. It was a horrible moment for the 20-year-old forward, who was replaced moments later by defender Vlad Chiriches in a bid to stem West Ham’s increasing momentum. George McCartney came close to netting at the backpost before Rose almost put into his own goal, with Lloris then doing exceptionally to turn Matt Taylor’s goalbound strike around the post. The France goalkeeper could only do so much, though, and his team-mates let him down as West Ham doubled their advantage a minute before the break. Downing hit a reasonable free-kick that would have hit the wall had Adebayor and Paulinho not parted, allowing the ball to sneak through past the Spurs goalkeeper. It was a shocking goal which was almost added to by a Carroll volley in first-half stoppage time. West Ham continued strongly after the restart as Mo Diame’s overhead kick produced an exquisite save from Lloris, who did well to stop Kevin Nolan scoring the follow-up before Taylor curled just wide. The Spurs goalkeeper’s one-man stand continued as Carroll flicked the ball on to Nolan, with the onrushing goalkeeper spreading himself to block behind. Adrian fumbled a Christian Eriksen cross in a rare threatening moment for Lloris’ counterpart, with Sherwood bringing on Sandro and Roberto Soldado in a bid to change the dynamics of the match. The latter quickly had an impact, receiving a booking after kicking Diame and manhandling Nolan before striking across the face of goal. Sandro was also at the heart of things in the closing stages, blocking a shot, picking up a booking and then seeing appeals for a handball against Taylor ignored. Adrian did wonderfully to tip over a late Rose strike, which saw West Ham end a 10-match wait for a clean sheet. Press Association