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7 horrible mistakes your credit union is making with IT compliance

first_imgby: Matt WilhelmWe see and hear it every day. Credit Unions taken by surprise with a bad write up on an IT Exam. Sometimes, honestly, it is not a surprise at all. In fact, more often than not, a credit union exec may have taken a calculated risk in choosing to put an upgrade or security fix on the backburner due to budget, time and resources versus the potential threat or exposure.Here are 7 mistakes that credit unions make when it comes to IT compliance that are not worth the risk of oversight, be it intentional or not:1. Not documenting IT policies and proceduresAccording to the FFIEC Handbook, “It is the responsibility of an institution’s board and senior management to ensure that the institution identifies, assesses, prioritizes, manages, and controls IT risks as part of the business continuity planning process. The board and senior management should establish policies that define how the institution will manage and control the risks that were identified. “ continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Ireland to introduce replacement pensions levy

first_imgNoonan said the new 0.15% levy would only apply until the end of 2015, raising an estimated additional €135m next year.However, due to the overlap between the new levy and the existing charge, the stamp duty applied to pension fund assets would next year rise to 0.75%.Mercer and employer groups joined Jerry Moriarty, chief executive at the IAPF, in condemning the new levy.Moriarty told IPE the announcement was “fairly outrageous” and condemned the “disingenuous” way in which Noonan went about introducing the new charge in his speech.“It was announced in his speech that he was abolishing the levy, and, as from next year, he’ll be introducing a 0.15% charge,” he said.“But there wasn’t any reference to the fact it was actually going to be 0.75% next year. We’ve got a double whammy.”Questioning whether the government would not simply introduce a further levy next year, Moriarty added: “The minister himself talked last year about the need to restore confidence for pension savers – this does the exact opposite.”“The minister himself talked last year about the need to restore confidence for pension savers – this does the exact opposite.”Employer lobby group IBEC – which earlier this year said the government should “under no circumstances” extend the current levy or introduce a new measure – also made its displeasure with the announcement known.Its chief executive Danny McCoy said: “The retention of an unfair pension levy, which the government had promised to drop, is a major disappointment.”The increase to 0.75% comes despite the fact that the nearly €520m raised in 2013 from the current levy has exceeded the Department of Finance’s expectations.The department noted the “over-performance relative to expectation” from a number of taxes.In a document detailing Budget measures, it said: “In particular, the over-performance of the pension levy in 2013 relative to expectations is welcome and comes as a result of an appreciation of the capital value of pension funds.”Niall O’Callaghan, head of defined contribution at Mercer, was also highly critical of the move.“This announcement of a new levy is yet another attack on pensions and will deter people from saving for their future,” he said.According to an IAPF annual pension investment survey, assets held within defined benefit and defined contribution funds rose by 11%, to €80.5bn, over the course of 2012.Despite Noonan’s insistence that the new charge would help the government “make provision for potential state liabilities” stemming from a pending High Court ruling to interpret the ECJ judgement, he gave no indication the assets would be set aside in a standalone protection arrangement similar to the UK’s Pension Protection Fund, also funded by a levy.Martin Haugh of LCP previously suggested that it would be “very hard” for a protection fund to be set up in Ireland without the introduction of a statutory debt upon the employer requiring any existing deficit to be funded on insolvency. The Irish government has reneged on repeated promises to abolish the pensions levy on private sector pension funds and instead lowered it to 0.15% for 2015 in a move branded “outrageous” by the Irish Association of Pension Funds (IAPF).In his Budget speech, minister for finance Michael Noonan was keen to present the levy as a new charge meant to help the state prepare for any liabilities incurred as a result of the European Court of Justice ruling in the Waterford Crystal case, rather than a continuation of the 0.6% stamp duty introduced in 2011 that he last year pledged would end.He told the Dáil he wished to “confirm” that the 0.6% rate would be abolished from the end of next year.“I will, however, introduce an additional levy on pension funds at 0.15%,” he said. “I am doing this to continue to help fund the Jobs Initiative and to make provision for potential state liabilities that may emerge from pre-existing or future pension fund difficulties.”last_img read more

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Barbie gets a real-woman makeover

first_imgStuff.co.nz July 3 2013  In her 54 years, the leggy blonde that is Barbie has inspired love, controversy and even imitation (from the slightly odd this to the just plain disturbing this).But an artist from Pittsburgh, Pennyslvania suggests that we should be focusing on a revision of the classic Mattel doll.Nickolay Lamm has recreated a typical blonde Barbie, but at the average proportions of a 19-year-old American woman (he took the measurements from the Centre for Disease Control). And you know what? Real-girl Barbie looks amazing.The project was at first an experiment to see what the difference would be, but after the toy was created Lamm discovered that the average American 19-year-old female figure looks great in plastic toy form, so then why aren’t these measurements just used by Mattel?“A lot of people say we shouldn’t criticise Barbie because she is a toy,” Lamm explained to us. “However, if there’s a small chance that it’s negatively affecting young girls, and if normal Barbie looks awesome, why not create normal Barbie?” Touché. http://www.stuff.co.nz/life-style/beauty/beauty-news/8873195/Barbie-gets-a-real-woman-makeoverlast_img read more

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Dak Prescott is ‘inconsistent’ but ‘dangerous,’ Eagles fan and NASCAR champion Martin Truex Jr. says

first_imgFor what it’s worth, Wentz is only 3-4 as starter against the Cowboys but statistically is much more consistent than Prescott in the rivalry. Wentz has posted 12 TDs to just 2 INTs and a QB rating of 99.4 over seven career games against Dallas.Truex, who won the 2017 NASCAR Cup Series championship and has 27 career wins at NASCAR’s top level, will start on the pole for Wednesday night’s All-Star Race at Bristol.The Eagles beat the Patriots in Super Bowl 52 a few months after Truex won his championship, and the driver attended the big game in Minneapolis.Damn that just happened! Congrats to all the @Eagles players and fans. Finally!!!!!😬☝️👏👏👏👏👏👏🤘🏻🤘🏻🤘🏻🤘🏻 #SBLII pic.twitter.com/1KoOugpzOo— Martin Truex Jr. (@MartinTruex_Jr) February 5, 2018 In the context of Dallas likely having to pay much more to Prescott in the long run than Philadelphia will have to pay QB Carson Wentz, we were curious about Truex’s thoughts on Prescott in general, as many Eagles fans feel they have the superior passer in Wentz.MORE: What’s next for the Cowboys and Prescott”I feel like, just from what I’ve seen — I’m not a football genius by any means — but I feel like when he’s on, he can be very dangerous,” Truex told Sporting News ahead of Wednesday night’s race. “But I feel like he’s off a lot. He’s inconsistent.”But when he’s good, he’s really, really good and dangerous. Because he can run. He’s big and strong, he’ll run through people. He can run around them (because) he’s fast. Just inconsistent.”Truex understandably defines Prescott as dangerous considering the Cowboys’ QB is 5-3 in eight career starts against the Eagles, managing a QB rating of 83.5 in those games and a total of 1,877 passing yards.But the NASCAR driver also is right to accuse Prescott of inconsistency considering the passer has thrown seven interceptions to go with his eight touchdowns in four years against Philadelphia. Last year, for example, Prescott posted passer ratings of 100.5 and 74.5 in his two games against the Eagles. The deadline for NFL teams to sign their franchise-tagged players to long-term contract extensions came and went Wednesday, meaning the Cowboys officially will pay quarterback Dak Prescott no less than $31.4 million in 2020 on the exclusive tag. That’s by far the highest base salary in the league for this season.NASCAR driver Martin Truex Jr., meanwhile, was not worried about NFL transaction news while he prepared for Wednesday night’s All-Star Race at Bristol Motor Speedway. But as a New Jersey native and a massive Eagles fan, he is always loosely plugged into NFC East happenings.last_img read more

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Roger Stone asks court to delay prison sentence for health reasons

first_imgRoger Stone is once again seeking to delay the start of his prison sentence.The Broward resident is mounting a last-ditch bid to get a federal appeals court to put off the 40-month prison sentence he is facing after being convicted of trying to thwart a congressional investigation into alleged ties between the 2016 Trump campaign and Russia.Attorneys for Stone asked the D.C. Circuit Court of Appeals on Monday for an emergency stay of U.S. District Court Judge Amy Berman Jackson’s ruling last week putting Stone, 67, under house arrest at his Fort Lauderdale home.Stone’s lawyers are asking the D.C. Court of Appeals to allow Stone to report to prison on September 3rd. He currently has until July 14th to surrender.Stone’s lawyers claim his health is at risk if he has to report to prison next week. In a social media post on Monday evening, Stone said that he viewed the latest legal action as a longshot, but that he was determined to pursue every option in the court system even as he seeks a pardon from Trump.“I recognize that the chances are overwhelming that the appeals court will remand the matter back to Judge Jackson,” Stone wrote on Instagram, “but it is vitally important that the American people see all of the false claims in her most recent ruling and I want the president to know that I have, in good faith ,exhausted all of my legal remedies and that an only an act of clemency by the Presideny [sic] will provide Justice in my case where I was charged on politically motivated ,fabricated charges and was denied a fair trial with an unbiased judge,an honest jury and uncorrupted and non political prosecutors.”Trump has said Stone shouldn’t be concerned that he’ll be sent to prison, but the president has also predicted that his longtime confidant will be exonerated in the legal system. The president has strongly hinted that he’ll provide a pardon or commutation if necessary to stop Stone from being jailed.last_img read more

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Cole pitches Pirates past Nationals, 5-1

first_imgPedro Alvarez is greeted at the dugout by manager Clint Hurdle after hitting a home run against the Washington Nationals during the eighth inning of a baseball game, Tuesday, July 23, 2013, in Washington. The Pirates won 5-1. (AP Photo/Nick Wass) WASHINGTON (AP) – Gerrit Cole pitched seven strong innings to end a personal three-game losing streak, and added an RBI single as the Pittsburgh Pirates beat the Washington Nationals 5-1 on Tuesday night.Pedro Alvarez homered and singled, and Russell Martin had three hits for Pittsburgh, which has won three straight.Pedro Alvarez homered and singled, and Russell Martin had three hits for Pittsburgh, which has won three straight.Wilson Ramos homered for Washington, which had just three hits. The Nationals have lost five straight and 10 of 12.Cole (5-3) turned in the best outing of his young career, allowing a run on two hits in his eighth career start.Washington’s Taylor Jordan (0-3) allowed five runs, four earned, in 7 2-3 innings in his fifth career start.The Pirates were without closer Jason Grilli, who was placed on the 15-day disabled list Tuesday with a right forearm strain.After allowing the homer to Ramos in the third, Cole retired 15 of the last 16 hitters he faced against a Washington team playing its first game in front of new hitting coach Rick Schu.The right-hander, who walked one and hit a batter while striking out four, accumulated as many hits at the plate — going 2 for 3 — as he allowed.Pittsburgh broke on top 3-0 in the second. After Alvarez and Martin singled, Garrett Jones walked to load the bases with no outs. Neil Walker, in his first game back from the disabled list, grounded into a fielder’s choice. Jones was out at second while Alvarez scored.Jordy Mercer then hit a potential double-play grounder to third, but Ryan Zimmerman’s throw was dropped by Anthony Rendon at second. All runners were safe as Martin scored. Cole then hit with runners on first and second and, after showing bunt, swung and grounded a single between third and short to score Walker.Washington got a run back when Ramos led off the third with his fifth home run of the year, a shot to center just beyond the reach of a leaping Andrew McCutcheon.The Pirates added some insurance with two outs in the eighth. After Alvarez homered to make it 4-1, Martin singled. Martin then stole second, took third on a throwing error by catcher Ramos, and scored on a double by pinch-hitter Gaby Sanchez.NOTES: To make room for Walker, who had been on the disabled list since July 7 with right side soreness, Pittsburgh designated veteran infielder Brandon Inge for assignment. Inge appeared in 50 games, hitting .181 with a homer and seven RBIs. . To take Grilli’s roster spot, the Pirates will recall right-hander Vic Black from Triple-A Indianapolis, where he’s 1-2 with 15 saves and a 2.31 ERA. . Washington manager Davey Johnson said LHP Ross Detwiler, on the DL since July 7, will meet with a back specialist in Los Angeles Wednesday regarding his strained lower-back muscle. . Schu had been serving as minor league hitting coordinator before being tabbed Monday to replace Rick Eckstein, who was fired. . Pittsburgh LHP Francisco Liriano (9-4, 2.44) opposes Stephen Strasburg (5-7, 2.97) Wednesday night.last_img read more

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Monmouth U. Holds Hispanic Heritage Month in October

first_imgWEST LONG BRANCH – In celebration of National Hispanic Heritage Month, Monmouth University is hosting a series of events to celebrate Hispanic heritage. All events are free and open to the public.Latin Dance Lessons will be held 6 p.m. Thursday, Oct. 3, in Anacon Hall, Rebecca Stafford Student Center. Learn dance moves from a local master in the art of Latin dance. Event sponsored by the School of Humanities and Social Sciences and Latin American Student Organization.Andrew Mejer: Perspectives on Immigra­tion and the Law will be at 4:30 p.m. Thursday, Oct. 8, in Magill Commons Club Dining Room. Mejer is a lawyer who specializes in local immigration issues will speak about immigration and the law.The film El Barrio Tours will be shown 1 p.m. Tuesday, Oct. 15, in Wilson Auditorium. Director Andrew Padilla will screen his documentary and discuss his vision for the film. An in-depth look at the phenomena of gentrification as seen through the change in the largest Puerto Rican neighborhood in the 50 states: East Harlem. Event sponsored by the School of Humanities and Social Sciences.The film Celebrating Life in Union will be shown 11:30 a.m. Wednesday, Oct. 16, in Wilson Auditorium. The Emmy-nominated film was directed by Gladys Bensimon. The film follows a group of former Cuban political prisoners through their memory of imprisonment and their half-century fight against the aging Castro regime. Having developed a strong community that now crosses three generations, they struggle with the realization that their own mortality may come before they can return to their homeland. The director will speak at the conclusion of the film. Event sponsored by the Human Relations Advisory Council (HRAC) and the Office of Student Activities.The Monmouth University Library has books, films, and other educational materials related to Hispanic Heritage Month. Visitors are invited to stop by through Oct. 15 to see the display.Additional information or to arrange special accommodations are available by calling 732-263-5755.last_img read more

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Balance of Power Swings To Democrats in Red Bank Election

first_imgBy John Burton |RED BANK — As the results came in on election night, the crestfallen Republican candidates saw the writing on the wall pretty quickly.When the totals for the borough’s voting districts were tabulated, the numbers showed a strong turnout for the Democratic candidates who won all of the nine districts.According to unofficial results Wednesday morning from the Monmouth County Clerk’s Office, Democratic incumbent Edward Zipprich was the top vote-getter, winning 1,828 votes, equaling 31.71 percent of votes cast. Zipprich’s running mate, Michael Ballard secured 1,804 votes, or 31.29 percent of the vote. Republican incumbent Linda Schwabenbauer was unsuccessful in her try for a second term, getting 1,107 votes, or 19.2 percent. Republican candidate Dana McArthur, making her first run for elected office, received 1,021 votes, with her total equaling 17.71 percent.Michael Clancy, the municipal Republican chairman, said of the election’s outcome, “We were running against Christie. We were running against Trump and we were running against the Red Bank Democrats…We were running against a lot.“There was no way we would have been able to overcome that,” he said, speaking at Schwabenbauer’s Leroy Place home Tuesday night.Schwabenbauer agreed with her party’s chairman, believing the election was out of their hands. “I don’t think there is anything that would have made a difference.”“I made some blunders,” in the campaign strategy, acknowledged Clancy, without elaborating, “but I don’t think there was anything we could have done to make a difference.”At Democratic headquarters, held at a former dry cleaners/laundromat on the corner of Monmouth and Pearl streets, the tone was jubilant.Even before results were known there was a happy crowd expecting a happy ending to the evening. Party poll challengers had conducted an informal exit poll of voters which showed, before votes were finished being cast, that Democrats appeared to be mounting a comfortable lead. And that led Zipprich and Ballard to thank family, friends and volunteers for the work and support for the campaign.“How about this?” joked former Democratic mayor Edward J. McKenna Jr. “The only two to make their victory speech before the votes are counted.”Zipprich said old school retail politics served the Democrats well. He and Ballard knocked on an estimated 6,700 doors, speaking with voters, Zipprich said, to get the message out.“That’s absolutely a record,” for the number of homes candidates approached, McKenna said. McKenna added that it was the first time in his memory the party candidates carried all of the districts.Later, Zipprich said the success came from having a planned strategy and executing it. That and the fact that, “So many people believed in us and we believed in Red Bank,” were contributing factors in the outcome, he said.Ballard, who is a member of the borough Board of Education, had been unsuccessful running for a council seat two years ago. “There’s no worse feeling than losing,” he acknowledged. “But there’s no better motivation than losing when you should have won.”The results give the Democrats a solid 4-2 majority on the council with a Democrat, Pasquale Menna, holding the mayor’s seat. Over the past year, it was a 3-3 split between Democrats and Republicans, with Menna available for casting any tie-breaking votes.For much of the last 25 years, Democrats have retained majority control, as well as the mayor’s office. But in the last few years the party had lost and then regained footing, losing the majority for a year as Republicans made inroads.With Democrats in control, Menna said there is much to be done, not the least is the future plans for the controversial redevelopment proposal for the municipal-owned White Street parking lot – a plan that could include the long-discussed parking facility. Menna, though, intimated that moving forward with it remains in question given the divide that exists among the stakeholders. He called one stakeholder “intransigent,” in its demands.Zipprich didn’t specifically mention it election night, but in the past, he, Ballard and the other council Democrats, have said the process should be slowed down and reevaluated.Republicans have remained committed to moving forward with seeing a mixed-use project on the site.And Schwabenbauer said Tuesday that issue and other plans are still on her to-do list for the remainder of her term, which ends at the end of the year.“It just means we’ll have to work that much harder to get things done,” she said. She specifically mentioned the White Street project, along with establishing a multiyear financial plan with the borough chief financial officer.McArthur said the campaign was a rewarding experience. “I learned so much and made so many great relationships,” she said, not ruling out another run in the future.“We’ll find a role for Dana in Red Bank,” Clancy said, possibly seeing if she’d serve on one of the volunteer boards or committees.This article was first published in the Nov. 9-16, 2017 print edition of The Two River Times.last_img read more

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Hockey fans must find alternative ways to feed their fix after NHL locks out players

first_imgWhile our last CBA negotiation resulted in a seismic change in the League’s economic system, and produced corresponding on-ice benefits, our current negotiation is focused on a fairer and more sustainable division of revenues with the Players — as well as other necessary adjustments consistent with the objectives of the economic system we developed jointly with the NHL Players’ Association seven years ago.Those adjustments are attainable through sensible, focused negotiation — not through rhetoric.This is a time of year for all attention to be focused on the ice, not on a meeting room. The League, the Clubs and the Players all have a stake in resolving our bargaining issues appropriately and getting the puck dropped as soon as possible. We owe it to each other, to the game and, most of all, to the fans.While there was no message on the National Hockey League Players Association website, the Vancouver Canucks addressed the current labour roadblock on its site.As you are aware the NHL and NHLPA were unable to agree on a successor Collective Bargaining Agreement before September 15th. The Vancouver Canucks remain hopeful that a new Collective Bargaining Agreement will be reached as soon as possible.In the interim, we will continue to focus the efforts and talent of our entire staff and coaches on the values of grassroots hockey in British Columbia. We also will continue with our ongoing community initiatives, including children’s health and wellness through Canucks Autism Network, Canuck Place Children’s Hospice and BC Children’s Hospital — as well as the support of literacy at the Canucks Family Education Centre.As always, we appreciate your patience and loyalty. We want to say again how much we appreciate your support and passion for your Canucks.We look forward to returning to the ice at Rogers Arena as soon as possible. Our staff and coaches have worked hard over the summer months to make sure we will be ready to play at a moment’s notice. It’s official, the National Hockey League locked out its players at midnight Saturday, September 15.Here’s the statement from the National Hockey League on its website:Despite the expiration of the Collective Bargaining Agreement, the National Hockey League has been, and remains, committed to negotiating around the clock to reach a new CBA that is fair to the Players and to the 30 NHL teams.Thanks to the conditions fostered by seven seasons under the previous CBA, competitive balance has created arguably the most meaningful regular season in pro sports; a different team has won the Stanley Cup every year; fans and sponsors have agreed the game is at its best, and the League has generated remarkable growth and momentum.last_img read more

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Afcon 2013: ‘don’t give up on Bafana’

first_img21 January 2013Sports Minister Fikile Mbalula has called on South Africans to continue to support the national team after Bafana Bafana drew against Cape Verde in Saturday’s 2013 Africa Cup of Nations (Afcon) opening match at the National Stadium in Johannesburg.“Let’s go and support the team,” Mbalula said during a press conference in Johannesburg on Sunday. “This is not only about Bafana Bafana, is about the country’s ability to deliver the tournament to millions of viewers.”“Yesterday’s game was just the beginning, and we will not give up on them,” he said.Bafana next take on Angola at Durban’s Moses Mabhida Stadium on Wednesday before they play their last group stage match against Morocco at the same venue on Sunday.The four teams in Group A are level after Angola and Morocco also played out to a goalless draw on Saturday.The minister said the government was pleased with the spectacle showcased in front of millions of Africans and the broader world community through good broadcast facilities, security services, health and occupational services, hospitality and other offerings from the country.Mbalula said that 70 220 spectators had attended Saturday’s opening ceremony and match despite the wet and chilly weather. The match was viewed by millions of soccer fans across the world.“We would like to thank the public for the way they behaved and cooperated with the security and officials at the various venues leading to the stadium. We further appeal to the spectators in various host cities to also come on board and emulate the National Stadium razzmatazz,” Mbalula said.In Sunday’s Group B matches at the Nelson Mandela Bay stadium in Port Elizabeth, tournament favourites Ghana went 2-0 up against the Democratic Republic of Congo before the DRC scored twice to level matters 2-2. Mali then went top of the group with a 1-0 victory over Niger.Source: SANews.gov.zalast_img read more

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