Consumers lack credit score knowledge

first_imgby: David MorrisonThe Consumer Federation of America and VantageScore Solutions reported that a recent survey they jointly sponsored found consumers have better understandings of credit scores, but still lack good knowledge of credit score impacts.VantageScore Solutions is the Stamford, Conn.-based consumer data firm whose VantageScores work in cooperation with the consumer credit scoring systems developed by Experian, TransUnion and Equifax. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

How the Equifax breach went from bad to worse – and how to avoid the same mistakes

first_imgWith as many as 143 million consumers impacted – representing roughly 40 percent of the U.S. population – the fallout from the recent Equifax breach promises to be nothing short of staggering.While a compromise of this magnitude is a somewhat rare occurrence, in fact smaller cyberbreaches occur all the time.According to PYMNTS.com, one of the world’s top cybersecurity consulting firms, Deloitte, just announced a recent breach that compromised “sensitive corporate data,” including emails and company plans of some of the world’s “biggest banks, multinational companies, media enterprises, pharmaceutical firms and government agencies.”Millions of Records Compromised Each YearUSA Today reports that more than 825 million personal records were exposed in data breaches from 2006 to 2016, according to the Identity Theft Resource Center. A 2017 Javelin Strategy & Research study reveals that a record 15.4 million U.S. consumers became identify fraud victims in 2016 alone – with losses totaling $16 billion for the year. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

‘Work from home’: Johnson starts to shut down Britain again as COVID-19 spreads

first_imgBritish Prime Minister Boris Johnson will tell people on Tuesday to work from home and will impose new curbs on pubs, bars and restaurants in a bid to tackle the swiftly accelerating second wave of the coronavirus outbreak.In an address to parliament at 1130 GMT and then to the nation at 1900 GMT, Johnson will stop some way short of a full national lockdown of the sort he imposed in March.”We know this won’t be easy, but we must take further action to control the resurgence in cases of the virus and protect the NHS,” Johnson will say, according to excerpts of his remarks distributed by his Downing Street office. The measures come after senior medics warned on Monday that Britain faced an exponentially growing death rate within weeks unless urgent action was taken.New COVID-19 cases are rising by at least 6,000 a day in Britain, according to week-old data, hospital admissions are doubling every eight days, and the testing system is buckling.The new curbs will restrict the hospitality sector to table service only, by law.Just weeks after urging people to start returning to work, Johnson will advise them to work from home if they can. He will also order all pubs, bars, restaurants and other hospitality sites across England to start closing at 10 p.m. from Thursday. Topics :center_img “One of the things we are going to emphasize is that if it is possible for people to work from home, we are going to encourage them to do so,” Michael Gove, the minister for the cabinet office, told Sky News.”There is going to be a shift in emphasis.”While millions across England, Scotland, Wales and Northern Ireland are already under some form of restriction, Johnson is not expected to announce a fully fledged lockdown of the kind seen in March.Lockdown?Britain will face an exponentially growing death rate from COVID-19 unless the government moves urgently, Chris Whitty, the government’s chief medical officer, and Patrick Vallance, its chief scientific adviser, said.The United Kingdom already has the biggest official COVID-19 death toll in Europe – and the fifth largest in the world – while it is borrowing record amounts in an attempt to pump emergency money through the damaged economy.Gove, one of Johnson’s most senior ministers, said there were many roles that could not be performed at home, in areas from manufacturing and construction to retail.”We need to balance, obviously, the need to ensure that people can continue to work, and indeed – critically – continue to go to school and benefit from education, against taking steps to try to reduce the virus, which is why if we can limit, or appropriately restrain, social contact, that is what we are trying to do,” he said.”The second shutdown begins”, read the front-page headline of the Daily Telegraph while the Daily Mail said: “UK slammed into reverse”.Shares in Britain’s listed pubs and restaurant groups fell sharply on Monday in anticipation of the move. While there is no consistent policy nationwide, the move will advance closing time by at least an hour for most areas.London Mayor Sadiq Khan said he had agreed with local council leaders and public health experts on new COVID-19 restrictions to be put to central government, in an attempt to stem the outbreak in the capital.last_img read more

Cooper makes FID for Sole gas project

first_imgCooper Energy has declared a final investment decision (FID) for the Sole gas project following the announcement of a fully underwritten finance package to complete funding for the project and to fund other opportunities and commitments in the company’s portfolio.The project will develop the Sole gas field located in VIC/ L32 in the Gippsland Basin offshore Victoria to supply 25 PJ per year to gas users in south-east Australia. Cooper Energy is the 100% interest holder in the Sole gas field.According to Cooper’s statement on Tuesday, the finance package includes a A$250 million senior secured bank debt facility fully underwritten by Australia and New Zealand Banking Group (ANZ) and Natixis, Hong Kong Branch, (Natixis) a senior secured A$15 million working capital facility provided by ANZ and a fully underwritten accelerated nonrenounceable entitlement offer to raise approximately $135 million.Cooper Energy Managing Director David Maxwell said that the announcement was a milestone for the company. “Today’s FID declaration is the culmination of 5 years’ effort under our gas strategy to identify, secure and develop gas resources best placed to supply south-east Australia with a new source of gas supply.”“We now have a fully funded gas project that is proceeding on schedule to deliver a new gas supply to south-east Australia in 2019,” he said.On current equities, Sole will deliver gas sales of 24 PJ or 4 million barrels of oil equivalent (boe), per annum to Cooper Energy, roughly four times the company’s production in FY17.Approximately 75% of the field’s gas has been contracted under long term agreements with AGL Energy, EnergyAustralia, Alinta Energy and O-I Australia.Cooper noted that declaration of Sole FID fulfills one of the principal outstanding conditions for the completion of the agreement with APA Group from June, whereby APA will acquire, upgrade and operate the Orbost Gas Plant to process gas from Sole. The other outstanding conditions include financial close for the debt financing and other regulatory approvals.The company’s gas sales agreements with AGL, EnergyAustraila, Alinta Energy and O-I Australia were subject to Sole FID. This condition precedent has accordingly been satisfied.Cooper has proved and probable reserves for the project. The company’s total 2P Reserves post the upgrade are 54 million boe of which 305 PJ or 52 million boe are gas.Cooper already awarded a contract for the subsea tie-back of the Sole well to the Orbost Gas Plant, including the fabrication and installation of 64km of pipeline, spool and manifold, along with installation of a 64km umbilical and the commissioning of the system to Subsea 7. Offshore operations will start in 2018. The rig contract has been awarded to the Diamond Offshore-owned semi-submersible drilling rig, the Ocean Monarch, which is scheduled to start in March 2018.First gas from the Sole gas project is planned to be delivered to the Orbost Gas Plant in the March quarter of 2019.last_img read more

Washington Bishops Say Push For Gay ‘Marriage’ Undermines Family

first_img Share Sharing is caring! Share FaithLifestyle Washington Bishops Say Push For Gay ‘Marriage’ Undermines Family by: – January 18, 2012 Tweetcenter_img 20 Views   no discussions Share Proposed gay “marriage” legislation in Washington state would add to “the forces already undermining family life today,” the state’s Catholic bishops warned.In a January 2012 statement, the bishops stressed that the “stability of society depends on the stability of family life in which a man and a woman conceive and nurture new life.”They noted in their letter titled “Marriage and the Common Good” that the civil recognition of marriage as between one man and one woman has given “countless generations of children the incomparable benefit of a loving mother and father committed to one another in a lifelong union.”On Jan. 13, 23 senators, including two Republicans, introduced legislation that would grant marriage licenses to same-sex couples. Gov. Christine Gregoire, a Catholic Democrat, had requested the bill which will require 25 votes to pass the state Senate.In response to the move, the bishops explained that defining marriage in terms of the relationship between a man and a woman and its “important role” in guaranteeing future generations, the state recognizes the “irreplaceable contribution” married couples make to society.Changing the definition of marriage means there are no special laws to support and recognize this contribution, they said.Marriage not only creates a bond through a personal relationship but allows the potential “of a man and woman to conceive and nurture new life, thus contributing to the continuation of the human race.”The bill’s chief sponsor State Sen. Ed Murray (D-Seattle), however, criticized the bishops in remarks to the Associated Press.“My first reaction, as a practicing Catholic, is that this is very hurtful,” said Murray, currently in a 20-year same-sex relationship.Joseph Backholm, executive director of the Family Policy Institute of Washington, said that he expects thousands of people to show up at the bill’s first public hearing on Jan. 23 to show their opposition.But he sided with the bishops, saying that the “idea that there is no difference between a heterosexual relationship and a homosexual relationship and that the law should recognize no difference, assumes there is no difference between men and women.”“This would be the state taking a position and saying ‘We will no longer encourage arrangements that will give children both a mother and father,” he added.Washington state passed a domestic partnership law in 2007 with about 19,000 registered domestic partners in the state today.In their statement, the bishops called on local Catholics to contact state legislators and urge them to keep marriage defined as between one man and one woman.CNA/EWTN Newslast_img read more

Tropical depression or storm possible next week.

first_img Sharing is caring! Share 231 Views   no discussions Share Sharecenter_img NewsRegional Tropical depression or storm possible next week. by: – May 18, 2012 Tweet The two-week outlook mostly relies on thunderstorm activity around the global tropics to predict where chances are increased for a tropical storm or depression to form.FLORIDA, USA, Friday May 18, 2012 – This year’s hurricane season may get a kick-start, with the possibility of a tropical depression or storm in the western Caribbean sometime next week, according to a forecast Tuesday by United States federal scientists.The Climate Prediction Centre forecasts moderate chances that a tropical depression or a storm will form in the Caribbean during the last week of May.Even if no storm develops, the prediction signals that the Atlantic is becoming primed for tropical activity as the June 1 official start of the six-month hurricane season approaches.“It’s something to pay attention to. It might be a little earlier than normal,” said Eric Blake, a specialist with the National Hurricane Centre.The hurricane centre began working with the climate centre on the two-week outlook shortly after the busy 2005 hurricane season.The two-week outlook mostly relies on thunderstorm activity around the global tropics to predict where chances are increased for a tropical storm or depression to form. Clusters of thunderstorms occasionally move around the globe in a weather pattern called the Madden-Julian Oscillation or MJO. When the thunderstorms are over the Caribbean and Africa, the chances for tropical storms to develop in the Atlantic increase, Blake said.While the two-week tropical hazard forecasts by the Climate Prediction Centre are not very accurate now, meteorologists there are working with the National Hurricane Centre to improve them. Within a few years, the two agencies plan to start making a joint two-week forecast, with the hurricane centre taking the lead on the first week and the climate centre handling the second, said Blake, who gave a presentation about the project at the Governor’s Hurricane Conference on Tuesday.Because weather is so variable, forecasts that extend beyond a week tend to have a large margin of error. The five-day forecast for tropical activity, however, is getting much better.Blake said the hurricane centre will experiment this year, in-house, with predicting the formation of tropical storms five days in advance. If the forecasts pan out, weather buffs, fishermen, shipping businesses, emergency planners and those in the oil and gas extraction industries could benefit from those forecasts beginning next year.Caribbean 360 Newslast_img read more

Athletes, federations react to new Olympic dates

first_img FIBA3x3 started the countdown to the Olympic Games straight away with the sweet and simple message “480 days to go”. Read Also:IOC tells NOCs to expect decision on new dates for Tokyo Games Mexican diver Rommel Pacheco sent a timely reminder that the most important thing right now is to focus on the health of everyone. FacebookTwitterWhatsAppEmail分享 Promoted Content8 Fascinating Facts About Coffee6 Ridiculous Health Myths That Are Actually True7 Universities In The World Where Education Costs Too MuchSuper Recognizable Outfits That Actors Wore In The Famous MoviesThe Best Cars Of All Time8 Superfoods For Growing Hair Back And Stimulating Its Growth5 Of The World’s Most Unique Theme ParksBest & Worst Celebrity Endorsed Games Ever Made8 Most Beautiful Chinese WomenWho’s The Best Car Manufacturer Of All Time?8 Shows That Overstayed Their WelcomeYou’ve Only Seen Such Colorful Hairdos In A Handful Of Anime Loading… center_img Athletes and international federations have given the thumbs up to the news that the Olympic Games Tokyo 2020 will now take place from 23 July to 8 August 2021. Here are some of the latest reactions from around the world of sport. International Olympic Committee president Thomas Bach  Pita Taufatofua encouraged the world to show their love for Tokyo and the IOC by filling the stadiums, restaurants, hotels and venues when the Games take place next year.Advertisementlast_img read more

Kalibo food task force to probe overpricing in public market

first_img“We are planning to conductinspection anytime soon at the market to determine who among the vendors arecharging expensive agricultural commodities to their consumers,” De Guzmanadded./PN Mayor Emerson Lachica instructed councilorMatt Aaron De Guzman to lead the task force’s activity. Vendors at the public market in Kalibo, Aklan are reportedly taking advantage of the coronavirus disease 2019 situation by overpricing commodities to buyers, according to the food security task force in this capital town. The task force will conduct inspection in the market anytime soon. Vendors at the public market in Kalibo, Aklan are reportedly taking advantage of the coronavirus disease 2019 situation by overpricing commodities to buyers, according to the food security task force in this capital town. The task force will conduct inspection in the market anytime soon. JUN AGUIRRE KALIBO, Aklan – The newly-organized foodsecurity task force in this capital town is set investigate the supposed overpricingof agriculture commodities in the public market here. center_img Vendors in the Kalibo public market arereportedly taking advantage of the coronavirus disease 2019 pandemic by hikingprices of commodities such as vegetables, fruits and fish, among others. “The task force was organized by mayorLachica after he received reports of alleged overpricing. This was donetogether with the agriculture sector and the Municipal Agriculture andFisheries Council,” De Guzman said.last_img read more

Lady Twisters Win Over Lady Pacers In Soccer

first_imgOldenburg Academy Lady Twister took a defensive Switzerland County last night in the graveyard.Switzerland County played 9 people back on defense which made for a one sided game. Oldenburg shot the ball 53 times throughout the match but was only able to find the net 3 times. Oldenburg came out with the 3-1 win, but it was not a pretty win.Goals were scored by Haleigh Reed with the assist from Maria Lewis. Second goal was scored by Kirsten Ricke off of an assist by Elizabeth Schulte on a corner kick. Final goal of the evening was scored by Emma Schulte off of Ella Lamping’s deflection.‘I told the girls after the game a win is a win and the shots will start going in and just keep shooting. Switzerland County’s, Eva Galbreath, is their goalkeeper and she did a great job defending for her team. Galbreath ended with 18 saves on the night.’  OA Coach Kendra Getz.JV girls took on Switzerland County’s JV team and OA came out on top 4-1.With ten freshman on our team this year it has been exciting to see how our program is really growing and taking off. Captains for the JV team are Cori Hammoor and Angela Wanstrath. Andrea Rinck, junior, had a hat trick in the JV half with an assist from Lexi Brown on a cross, own goal, and then an assist from Melissa Meneses. Clare Weidner had a great shot from 25 yards out that found the back of the net right before the half was over. She has come so far this season and I am expecting great things from her in her four years here at the Academy.JV improves to 2-1 on the season and will be taking on New Castle’s JV team tonight after the varsity match.OA improves to 6-1 on the season. OA takes on New Castle in the “graveyard” tonight at 5pm, with a JV half to follow.Courtesy of Twisters Coach Kendra Getz.last_img read more

‘Andy Koors Legacy Fund’ winners announced

first_imgCamille FarwickBatesville, In. — The Batesville Community Education Foundation is pleased to announce that the first recipients in a new foundation sponsorship program which assists Batesville High School students who want to study abroad during high school have been selected, announced BCEF executive director Anne Wilson. Camille Farwick and Katherine Poltrack were chosen to each receive $2500 toward their program fees for the Indiana University Honors Program in Foreign Language. The IU program sends qualified high school students abroad for the summer to further their study of foreign language and to be immersed in another culture.“From among the five BHS students who qualified through IU and applied for our new sponsorship program, our selection committee chose these two students to support financially,” Wilson explained. “Farwick will be studying German in Graz, Austria, while Poltrack will be in Chile to hone her Spanish skills in Viña Del Mar. This sponsorship from BCEF pays for more than one-half of their program fees.”Katherine PoltrackThe Andy Koors Legacy Fund was created by the Batesville Community Education Foundation after the nonprofit received the proceeds of a life insurance policy held by the former BHS German teacher who passed away unexpectedly in February 2017. The BCEF board of directors manages this fund to promote initiatives that it believes reflect the values displayed by Koors during his life, such as his generosity to students. This new sponsorship program is one of those initiatives.last_img read more