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New discussion forum on charity trading

first_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis New discussion forum on charity trading Howard Lake | 12 March 2004 | News  20 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: Digital Tradingcenter_img While the trading forum has just today’s initial message, you will find dozens of messages on trading issues by searching the Forum’s archive.Non-profit groups of fundraisers or other parties wishing to use the Forum for their own discussion group should contact UK Fundraising’s Howard Lake for details. UK Fundraising Forum has added a new discussion forum on charity trading.The new sub-category allows discussion by fundraisers and other related contributors on fundraising through charity shops, catalogues, donated items, promotional goods and other earned income.UK Fundraising Forum, formerly the FundUK e-mail discussion list, has enabled fundraisers to share advice and information online at no charge since 1996. Fundraisers can consult the growing archive of existing advice and information and/or use the Forum to ask a question of their peers. Advertisement About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.last_img read more

ECAS publishes 2009 Guide to European Union Funding

first_img Howard Lake | 26 May 2009 | News The European Citizen Action Service (ECAS) has published the 2009 Guide to European Union Funding, featuring details of over 40 budget lines with over 5.5 billion Euro, of which a substantial part is available for civil society organisations (CSOs).The book also includes an introduction to how to access other EU funds: the EU Structural Fund, (The European Regional Development Fund and The European Social Fund), Pre-accession and European Neighbourhood Policy funds, together with information on over 35 foundations with just under 1 billion Euros of funding available.The book costs €49. Advertisement Tagged with: Funding statutory www.ecas-citizens.eu/content/view/188/144 ECAS publishes 2009 Guide to European Union Fundingcenter_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis  24 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.last_img read more

‘Days of Action’ all December for Standing Rock

first_imgDec. 19 — Indigenous peoples and supporters continue their encampment in brutally cold and harsh winter conditions at Cannonball, N.D., to stop the Dakota Access Pipeline from being built under the Missouri River. The Oceti Sakowin (Seven Council Fires of the Great Sioux Nation) rightfully fear the pipeline could rupture, as others have recently across the U.S., and poison the river for at least the 17 million people who rely on it for their drinking water or livelihood.The camps at Standing Rock remain despite the Dec. 4 announcement by the U.S. Army Corp of Engineers that it had denied the easement permit for Energy Transfer Partners, co-owner of the pipeline, to start drilling underneath Lake Oahe on the Missouri River. The camp members are staying vigilant against governmental, law enforcement and corporate goons who have attacked peaceful water protectors many times in unsuccessful attempts to get them to leave so drilling can proceed.The Oceti Sakowin camp is now called the All Nations camp. “We wanted to let the world know our status and to address the many rumors that have been causing confusion and fear on the internet,” Chase Iron Eyes stated live in a Facebook video Dec. 10. “Our numbers are around 1,000 in the newly named All Nations camp, with 300 in the Rosebud Sicangu Camp and well over 1,000 in the Sacred Stone Camp.” (nativenewsonline.net, Dec. 11) Iron Eyes is an activist attorney, a member of the Standing Rock Sioux Tribe and co-founder of the Native-American news website Last Real Indians.Movement hits banks funding DAPLMeanwhile, every day in December is a #DefundDAPL day of action. As of this writing, defunddapl.org reports that nearly $27 million had already been divested from banks and financial institutions financing the pipeline project. The four biggest (“primary leaders of the key DAPL loan”) are Citibank (Citigroup), TD Securities, Bank of Tokyo-Mitsubishi UFJ and Mizuho Bank. Others funding the DAPL include Wells Fargo, Comerica, PNC, Barclays, JPMorgan Chase, Bank of America and Goldman Sachs.Organizers emphasize the importance of the divestment campaign: “The financial footing of the Dakota Access Pipeline is in jeopardy if they do not complete the project by Jan. 1. If this deadline is missed, a majority of the stakeholders with contracts to ship oil through the pipeline will be able to renegotiate or cancel their ­contracts.”(See defunddapl.org for a complete list of banks and lenders as well as information and ideas on what to do to show solidarity with the Standing Rock ­encampment.)First jury trials of water protectorsThe first jury trials of water protectors who have been arrested are scheduled to begin today. According to the Morton County Sheriff’s office, 571 protesters have been arrested in the last four months. (bismarcktribune.com, Dec. 15)On Dec. 14 a court petition was filed by 10 North Dakota and Minnesota lawyers and organizations requesting that out-of-state attorneys be allowed to help handle the cases in order to guarantee defendants’ constitutional rights to counsel of their choice.The petition states that 79 North Dakota attorneys are assigned as public defenders for 265 cases, while another 264 people have no attorneys. The state has only 1,800 lawyers, while the criminal defense bar has just 70. The petition also seeks to cover the cost of additional public defenders and contract attorneys.Mni Wiconi! Water is life! #noDAPLFacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

The States Leading in Nationwide Delinquency Rate Drops

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Foreclosure, Market Studies, News The States Leading in Nationwide Delinquency Rate Drops Share Save Servicers Navigate the Post-Pandemic World 2 days ago Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Tagged with: Delinquency Foreclosure Home / Daily Dose / The States Leading in Nationwide Delinquency Rate Drops Related Articles Delinquency Foreclosure 2019-12-11 Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago The overall delinquency rate was 3.8% nationwide in September, down from 4.4% a year earlier and the lowest for the month of September in more than 20 years, according to the latest CoreLogic Loan Performance Insights Report. Five states, CoreLogic notes, reported even larger decreases in their delinquency rates.Year-over-year, the states that logged the largest decreases included: Mississippi (-1.1 percentage points), North Carolina (-1.1 percentage points), Louisiana (-1.0 percentage points), New Jersey (-1.0 percentage points) and South Carolina (-1.0 percentage points). CoreLogic notes that the decreased activity in the Carolinas may be due in part to a recovery from the elevated levels in 2018 in the wake of Hurricane Florence.While overall delinquency fell, serious delinquency rates have begun to flatten out at low levels. The serious delinquency rate, defined as 90 days or more past due, including loans in foreclosure, was 1.3% in September 2019, down from 1.5% in September 2018. Likewise, the share of mortgages that were 30 to 59 days past due—considered early-stage delinquencies—was 1.9% in September 2019, down from 2.2% in September 2018. The share of mortgages 60 to 89 days past due was 0.6% in September 2019, down from 0.7% in September 2018.Some of the highest delinquency rates were in metro areas including New York and Miami, though Miami still experienced annual declines. The New York metro had the highest rate at 5.1%, while Miami, with the second-highest rate at 5%, saw a sharp decrease in the overall delinquency rate, falling from 6.1% in September 2018.In a previous report, Molly Boesel, Principal, Economist, Office of the Chief Economist at CoreLogic stated that four of the five states with delinquency rate increases also had increases in unemployment rates.“Job loss can trigger a loan delinquency, especially for families with limited savings,” said Dr. Frank Nothaft Chief Economist for CoreLogic. “The rise in overall delinquency in Iowa, Minnesota, Nebraska and Wisconsin coincided with a rise in state unemployment rates between August 2018 and August 2019.”center_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Setting the Mortgage Industry Up for Success Next: The Fed: No Changes to Interest Rates Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Seth Welborn The Week Ahead: Nearing the Forbearance Exit 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago December 11, 2019 1,783 Views The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Subscribelast_img read more

Confectionery products

first_imgand biscuits are more easily recognised on the supermarket shelf and are more likely to be purchased if they are in cartons. A study by market research company TNS Dimarso, showed consumers three different product categories, each of them packed in a carton as well as another format. Cartons were preferred by consumers, due to eye-catching colours and print effects, said the researchers.last_img

“MJ Vs. Stevie” 2017 Brings Deep Cuts & Classics To Jazz Fest Closing Duel [Watch]

first_imgOnce again Lettuce’s Eric “Benny” Bloom, trumpet blower and very Shady Horn, brought together some of best friends in the scene for a dense journey into the fabled catalogs of a pair of musical icons. Dubbed “MJ vs. Stevie,” the works of Michael Jackson and Stevie Wonder were played in a back-to-back rotation that delighted casual fans and audiophiles alike. Other members of Lettuce, like beat master Adam Deitch and organist Nigel Hall, along with MonoNeon bassist of Prince‘s fabled backing band, Wil Blades, Andrew Block of the Russ Liquid Test, and more brought these songs to life in new and jazz-funk fusion ways to ring out the festival weekend in fine style.We’ll be taking a separate look at the deeply groovy opening set by the legendary Zigaboo Modeleste‘s Funk Review in the coming days, but for now let’s focus on the battle of the titans at the heart of the program. The inspired idea to host a back and forth sonic clash between twin soul titans Jackson and Wonder has again yielded spectacular results. Band leader Bloom deftly blended deep cuts and fan favorites to give a true snap shot of the bodies of work these giants have produced.Combined, the work of these two artists dominate a wide swath in the American collective psyche. From an insurgent heyday beginning at the ripe age of eleven, Stevie Wonder shrugged off adversity with a display of pure heart that didn’t have to be seen to be believed. On the other side of our imaginary squared circle is the King Of Pop himself, Michael Jackson, ready to defend his crown from the challenger.Though the adversarial nature of the “MJ vs. Stevie” title might lead people to expect a more compare and contrast style event, the performance was, as always intended, a celebration. Bloom and his cohorts re-scored several of the tunes to a far more jazz-y soundscape, transposing lyrical flow to instrumental voicing, seemingly effortlessly. For savvy fans paying attention to the nuts and bolts of the restructuring, there was a sense of all the right choices being made.There are plenty of wonderful moments to watch for in the videos below, particularly Bloom’s impressive trumpet work in the opening moments of “Human Nature” and throughout, Hall’s pure passion on the mic, and basically everything Deitch does. But, if you’re looking for sheer fun keep an eye out for The Nth Power‘s Nikki Glaspie’s surprise sit-in, with a liberal mixture of scat singing, drum kit usurpation, and general late night shenanigans.This show has become a beloved way to wind down the last evening of the New Orleans Jazz & Heritage Festival for a devout bunch of music lovers for a reason. The laid back boogie vibe of musical exploration and the wide open jams it produces are a low key way to keep the party going for those with a few furtive sparks left in the tank. Hell, after MJ vs. Stevie tribute finished, LA’s Organ Freeman took the stage in The Den and rocked ’til dawn! But that’s a story for another day as well.For now let’s enjoy a bit of the back and forth flavor of the evening with six videos from MJ vs. Stevie, thanks to our own Rex Thomson. He was sure to give each artist an equal number of clips so as to capture the spirit of the battle that produced only winners, onstage and off. Enjoy!“Living For The City”“The Way You Make Me Feel”“You Haven’t Done Nothin”“Do You Remember The Time”“Rocket Love”“Human Nature”last_img read more

The Predictive Enterprise (Part 1)

first_imgBig Data is the latest technology wave impacting C-Level executives across all areas of business, but amid the hype, there remains confusion about what it all means.Big Data emphasizes volume, diversification, low latencies, and ubiquity, whereas data science introduces new terms including, predictive modeling, machine learning, parallelized and in-database algorithms, Map Reduce, and model operationalization. Instead, I want to emphasize a more important point regarding this new vernacular: It infers an evolution beyond the traditional rigid output of aggregated data: business intelligence. It is a use-case-driven, iterative, and agile exploration of granular data, with the intent to derive insights and operationalize these insights into down-stream applications.Examples of data science in action are plentiful and also well documented, both in a recent Harvard Business Review article, and this Greenplum presentation.Considering the growing number of use cases relevant to your enterprise, what has changed is that these are no longer confined to legacy data-driven functions such as marketing or finance. Instead, they can and should involve nearly every functional organization in the enterprise. Given the numerous opportunities data science offers for virtually every functional organization in every sector, it is now no longer enough to be a “data-driven enterprise.” Instead, you must build a data science-driven enterprise, a.k.a. the predictive enterprise.For more on the Predictive Enterprise, read my full post on Greenplum’s Datastream Blog.last_img read more

SOUTHCOM Deploys Relief Mission to Haiti

first_imgBy Public Affairs Office, U.S. Southern Command October 06, 2016 MIAMI – A U.S. Southern Command (SOUTHCOM)-directed team will begin deploying to Port-au-Prince, Haiti today on a mission to provide humanitarian and disaster relief assistance. The advance team, comprised of a joint task force commander and a command and control element, will arrive first and will set up operations at Port-au-Prince international airport. The team will prepare for the arrival of additional personnel and equipment via C-130. The helicopters and crew that arrived Tuesday to pre-position at Grand Cayman Island will remain until the weather is safe for helicopter travel to Haiti. When they do arrive, they will provide heavy lift support to ongoing U.S. disaster relief assistance missions requested by the government of Haiti. The mission is led by the U.S. Agency for International Development’s (USAID) Office of Foreign Disaster Assistance (OFDA). The team of approximately 100 military personnel and nine helicopters pre-positioned at Grand Cayman Island Tuesday in anticipation of a request to support the relief efforts. Members from Joint Task Force-Bravo (JTF-B) and Special Purpose Marine Air-Ground Task Force-Southern Command (SPMAGTF-SC) departed Honduras’ Soto Cano Air Base Tuesday aboard CH-53E Super Stallion, CH-47 Chinook, and UH-60L Black Hawk helicopters. The mission of Joint Task Force-Bravo includes being prepared to support disaster relief operations in Central America, South America and the Caribbean, when directed by SOUTHCOM. SPMAGTF-SC deployed to Central America in June to serve as a rapid response force during the hurricane season. It was headquartered out of Soto Cano Air Base in Honduras and was postured to rapidly deploy in support of a disaster relief mission in the region. Historically, U.S. military capabilities are needed most in the critical early stages of a disaster relief operation, when fewer resources, capabilities and disaster-response experts are available to help victims and impacted communities. As those disaster-relief missions progress and more experienced experts arrive to aid longer-term recovery and reconstruction, U.S. military capabilities are no longer requested, and roles previously performed by military units are assumed by other, more experienced relief organizations. Over the last several years, SOUTHCOM has provided disaster assistance to Haiti to help the Caribbean nation prepare for storms like Hurricane Matthew and other natural disasters, including the construction of emergency operations centers, disaster relief warehouses, fire stations and community centers that double as shelters. The command has also donated search and rescue boats, as well as transport vehicles to Haitian emergency response and civil protection agencies. SOUTHCOM is one of the nation’s six geographically-focused unified commands with responsibility for U.S. military operations in the Caribbean, Central America and South America.last_img read more

Reduce the chances of being accused of discriminatory lending practices

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Dennis Child Dennis Child is a 40 year veteran credit union CEO recently retired. He has been associated with TCT for 25 years. Today, Dennis enjoys providing solutions and training for credit … Web: tctconsult.com Details Making the news recently are the charges against some to the largest auto lenders alleging discriminatory pricing of loans and other discriminatory lending practices.American Honda Finance Corp and Toyota Motor Credit Corp are currently embroiled with the U.S. Department of Justice and the Consumer Financial Protection Bureau over accusations of discriminatory loan pricing practices through auto dealerships.In 2013, Ally Financial Inc. paid a total of $98 million in fines and borrower refunds to resolve similar accusations by the Justice Department and the CFPB of discriminatory lending practices.The practices that got Honda, Toyota, and Ally cross-wise with the DOJ and CFPB had to do with allowing dealers the ability and incentives to mark up interest rates. The regulatory agencies had evidence that loans to minorities were being marked up by dealers differently than to non-minorities. CFPB has issued a bulletin that it would hold indirect auto lenders accountable for unlawful discriminatory pricing at partnering dealers.Accusations of discriminatory practices that hit the news are one of the worst nightmares any lender can experience. Resolving allegations of discriminatory pricing of products is very costly in terms of fines, bad public relations, legal fees, and staffing.Reducing the chances of discriminatory loan pricing allegations are well worth the investment. Pricing loans using stochastically derived and statistically validated models will go a long way towards assuring all parties that loan pricing has been done in an objective, non-discriminatory manner.  This article describes how using stochastic methods for pricing loans according to risks and costs unique to each borrower benefits financial institutions and consumers. Using stochastic methods also helps assure regulators that a financial institution is adhering to unfair-lending laws.Most financial institutions engage in some form of discretionary consumer loan pricing using credit grades or some other non-discriminatory criteria that in their minds, reflects risks unique to individual borrowers. Unfortunately, many financial institutions price loans by watching the competition. By now, it should be obvious that this method is fraught with dangers. For lenders, pricing according to the competition or some other subjective method carries the following risks to name a few:No two lenders have the exact same cost structure especially for borrowers of different credit risk levels. There is no assurance that using the competition’s pricing will result in profitability and/or avoid the unfair practice of one class of borrower subsidizing another.Pricing loans differently according to a borrower’s “profile” without assuring such pricing is arrived at by using statistically validated methods based on a lender’s unique costs and experience leaves a lender open to accusations of discrimination. Discrimination accusations can be difficult to fend off unless a lender can show it used stochastic methods based on its data, lending history and experience to create its pricing model.Using subjectivity or some other non-statistically validated process to set prices opens the gates for a myriad of entities including regulators to accuse a financial institution of discrimination.A financial institution wants to engage in activities, including loan pricing, that are defendable if challenged by regulators or other groups. A financial institution can feel confident its loan-pricing model meets regulations, is profitable, and minimizes unfair subsidies between classes of borrowers if its loan program follows these criteria:Uses stochastic methods and its borrower database to determine risks inherent in different credit scores and then establishes its credit grade rangesIdentifies costs (including operational, collections, charge-offs, cost of funds, etc.), both direct and indirect that are incurred in its lending processUses Activity Based Costing (or some equivalent method) to assign lending costs to each risk-grade of borrower, loan type, etc.Converts these costs to interest rates according to risk grade, loan type, etc.Determines an acceptable profit margin and assigns rates accordingly to each risk-grade of borrower, loan type, etc.Statistically validates its pricing structure on a regular basis to assure its pricing model accurately reflects costs unique to each credit-risk grade, loan type, etc.In summary, there are eight primary reasons financial institutions should use stochastic methods for risk-based loan pricing:It allows them to reach “deeper” into the loan pool and profitably serve a wider base of borrowersSo they can identify proper rates for each borrower and avoid subjective pricingIt assists them in determining correct FICO ranges for establishing rates by credit gradeIt helps assure they diversify their loan portfoliosIt assures they are pricing loans such that they can be confident that they are applying the optimum mark-up on loans above their lending costsIt helps maximize yields on overall loan portfoliosIt helps assure that every borrower pays according to their relative risk and that one class of borrower is not subsidizing anotherIt helps assure objectivity in the loan pricing process and therefore helps assure a financial institution engages in loan practices that are considered ethical and legalThe Department of Justice or the Consumer Financial Protection Board are typically not bearers of glad tidings. Use stochastic management tools to reduce the chances of having to cope with them.last_img read more

In 2021, Lufthansa will have 6 lines to Croatia

first_imgThe new Lufthansa line will operate in the evening: departure from Frankfurt is scheduled for 17:35, and arrival in Rijeka at 19:20. The return flight will depart from Rijeka at 21 pm, while the arrival in Frankfurt is planned at 30:XNUMX pm. The company leaves the possibility of adding more weekly flights on this route, which will primarily depend on the state of booking. The line Frankfurt – Rijeka – Frankfurt will be in operation from May 08, once a week, on Saturdays. A320 aircraft with a capacity of 168 to 180 seats have been announced on the route, Lufthansa points out. In the summer flight schedule, Lufthansa from Frankfurt operates to 5 destinations in Croatia: Zagreb, Pula, Zadar, Split and Dubrovnik, and from next summer season, the sixth destination in Croatia – Rijeka Airport will be added to the list. Of course, if the situation around the coronavirus pandemic is stable next year.center_img Germany’s Lufthansa announced today that in summer flight schedule 2021. to introduce 14 new international lines from its base in Frankfurt. Among others, the Frankfurt – Rijeka line is being introduced, reports from Croatian Aviation.last_img read more