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first_imgThis is placeholder text continue reading » This post is currently collecting data… We have previously blogged on the rise in fraud amid the COVID-19 pandemic, with one of the most prevalent types of fraud being unemployment insurance fraud. On October 13, FinCEN issued an advisory on how credit unions can detect, prevent, and properly report cases of unemployment insurance fraud.The advisory sets out the five main types of unemployment insurance fraud that has occurred during the COVID-19 pandemic that credit unions should be aware of. These include fictitious employer (a filer falsely claims to work for a company), employer-employee collusion (employee receives unemployment insurance payments and unreported wages), misrepresentation of income (filer claims higher wages than previously earned), insider (state employees approving unqualified applications or improper payment amounts), and identity-related (filers submit application using stolen identification information).FinCEN provides ten red flags that may indicate unemployment insurance fraud, but reminds credit unions that no single red flag is necessarily indicative of suspicious activity. These red flags are similar to the ones issued in NCUA Risk Alert 20-RISK-02, but FinCEN provides more detailed and operational indicators that may be helpful to credit unions in detecting unemployment insurance fraud. Here are some red flags that credit unions should be aware of when a member receives unemployment insurance payments:center_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more


first_imgDespite the fact DA began with Webb’s Liberal Democrat team, he said the now entirely Conservative-led Department for Work & Pensions (DWP) could still move the policy forward.“It may not be the first priority – there are more pressing ones,” he said. “But departments can do things in parallel.”Webb said the CDC and DA policies were not academic exercises, and that, even with weaker trade unions than in the Netherlands – where the system was originally developed – there was still vital support for the system.“It was always for the long term, and that work will continue,” Webb told IPE.“The detailed work on producing regulations and consulting on them was always going to take a couple of years.”Support from the main trade unions was very helpful in pushing the policy forward, Webb said, as were industry participants “motivated to making it happen”.“It was not just an academic exercise or government putting out rules and regulations and then no one doing anything with it,” he said. “There are professional people in the industry, trade unions and others, who want to see something less volatile than individual DC, particularly in sectors DB-dominated.”In March, the DWP Select Committee, a group of MPs charged with scrutinising pensions policy, called for a halt on the diversion of government resources to the introduction of CDC.The committee said the government department should focus on completing the implementation of auto-enrolment and wait until the current DC market was operating effectively, before considering CDC.Webb, who also worked alongside the Conservative-run Treasury to implement the at-retirement freedoms in the individual DC market, said the government should keep a close eye on value for money and the practicalities of new products entering the market.He previously dismissed ideas on creating an at-retirement default withdrawal system, but conceded this may be necessary at a later retirement point.“It is good to give people financial flexibility in their early 60s, but the question is whether we want people to have to make active financial decisions throughout what could be a 30-year retirement,” he said. After the Conservative majority took office, Ros Altmann was named the new pensions minister after being given a peerage and a seat in the UK’s upper parliamentary chamber, the House of Lords. Former pensions minister Steve Webb has said his ambition to introduce collective defined contribution (CDC) schemes in the UK remains viable despite the Liberal Democrat MP no longer being in government.Webb was pensions minister in the Conservative-Liberal Democrat coalition for five years before losing his parliamentary seat as the UK returned a Conservative majority government last month.Speaking on his ‘defined ambition’ (DA) project that saw legislation for the introduction of CDC schemes pass two months before his exit, Webb said it was a “slow burner” and that work could continue in his absence.Defined ambition originally included ideas to weaken the defined benefit (DB) regime or create DC schemes with guarantees before eventually settling on a new CDC system.last_img read more


first_imgRelatedPosts No timetable yet for Anambra FA elections — Caretaker Committee Ministry reads riot act to NFA, Clubs over resumption of league Super Eagles to unveil new Nike jersey in Portugal The Nigeria Football Federation has stated categorically that there has been no election into the Executive Committee of the Anambra State Football Association.The Chairman of Chairmen of Nigerian Football, Alhaji Ibrahim Gusau, minced no words in declaring that what took place in the State on Monday and which some stakeholders styled “an election” was a charade of very low grade, and the NFF would never recognise such a sham. Gusau said on Tuesday: “That was an act of brigandage and the NFF fully dissociates itself from it.“The Electoral Committee sent to the NFF a letter which they received from the Anambra State COVID-19 Task Force, requesting that the elections into the State FA and the local football councils be postponed, in line with the situation in the country, as the ban on sporting activities and mass gatherings was still alive.“The same Electoral Committee issued a press statement on Monday, 27th July 2020 informing the general public that the elections would no longer hold, and regretted the inconvenience that the sudden postponement may have caused the candidates, delegates, observers, stakeholders and the general public.“In view of these, it is incomprehensible how anyone could have gone ahead with the charade they are calling ‘election’, and you begin to wonder who actually conducted the so-called election.”Gusau, who is also a Member of the NFF Executive Committee, stated further: “That was an affront on the Government and the NFF will never be part of it. “The Anambra State COVID-19 Task Force made it clear that there should be no such gathering.“It is irksome, and let it be said without ambiguity that the NFF does not recognise such a sham and it cannot stand.”Tags: Anambra State Football AssociationIbrahim GusauNFFlast_img read more


first_imgBy The Nelson Daily SportsFor those people living under a rock, the month is April and not February.Which means golf courses should not be opening for the first time, but already have seen hoards of birdies, bogeys and pars.Still good things come to those who wait.And the wait is over as the 18-hole Balfour course begins the 2011 season this week.The Les Furber designed facility opens the driving range for patrons Monday before sending golfers out to the first tee box Friday, April 15th.“Last year we opened March 15th, so we’re a full month behind,” said Balfour club professional Brad Woods. “But last year it rained a lot in April so maybe we’re right on schedule.”Balfour is not the first course out of the starting gates.Woods said drier courses in Christina Lake, Creston and Birchbank have already seen players on the track.Castlegar is offering a modified nine until the snow backs off from some of the isolated parts of the course.The Balfour course is known a challenging course with clearly defined fairways capped with beautifully contoured greens. All these while players get the opportunity to witness the stunning beauty that is emphasized by the natural surroundings.Some of the highlighted tournaments this season at Balfour include the Ted Hargreaves Memorial, the Barry Crispin Memorial, the Seniors and Ladies Opens as well as the Men’s Match Play in late May.Call the Balfour pro shop at 250-229-5655 to make a tee time.No date on when Granite Pointe at Nelson will [email protected]last_img read more


first_imgAfter Derek Whitmore and Mark Mancari gave the Pirates a 2-0 lead 22 minutes into the game the Sens rallied to out score 5-1 to claim its second win of the series.Binghamton, with Nelson Minor Hockey grad Geoff Kinrade on defence for the Sens, won the opening game 3-2.Kaspars Daugavins, with a pair, Zack Smith, Bobby Butle and Bob Raymond scored for the B-Sens, which have won five straight games dating back to the first round series against Manchester Monarchs.Game four of the series goes Monday in Binghamton. Game five is set for Tuesday. The Binghamton Senators roared back from a 2-0 deficit to dump the Pirates 5-3 in AHL Atlantic Division Calder Cup Playoff action Thursday in Portland, M.E.The Sens now own a 2-0 lead in the best-of-seven series with the next three games set for Binghamton, beginning Saturday.last_img read more


first_img‘Chips All In’ Charity Event Unites Horsemen Del Mar Opening Weekend The soiree began with refreshing cocktails, exquisite Mexican cuisine catered by the Hilton and an assortment of delicious desserts. Guests perused the silent auction filled with highly desirable racing themed items such as paintings of California Chrome and American Pharoah, exclusive trackside experiences, signed sports memorabilia, gift certificates to Del Mar hotspots and equine care services. Eric Auckerman’s West Coasters Band set the mood with their upbeat cover songs and those in attendance mingled with owners, trainers, jockeys and horse racing enthusiasts.At the conclusion of social hour, the ballroom doors opened and the Texas Hold’em poker tournament began. Participants and spectators hearts raced as the stakes grew with each hand. This year’s winner was Paul Martino, who won a weekend stay at the Mandalay Bay Resort & Casino along with dinner and theater tickets generously donated by MGM Resorts International.“This is our final CARMA Cares poker tournament, so we’re very happy to have it go out on a high note,” said Executive Director Lucinda Mandella. “We’ve had a great nine year run with this event, but we’re looking forward to bringing something new to our supporters next year.”Event proceeds were generated through sponsorships, ticket sales, donations and the silent auction. CARMA will use the funds to directly support its 501c3 aftercare partners and to help promote thoroughbreds in second careers. After such a successful fundraising event, CARMA is looking forward to the 2016 grant process, which begins in September. 2016 grants will be presented in December, during the Santa Anita Park Winter Meet. ARCADIA, Calif. , July 19, 2016 – It was an evening of intrigue, excitement and promise as more than 200 supporters of the California Retirement Management Account (CARMA), a nonprofit dedicated to funding Thoroughbred aftercare, gathered at the Hilton Del Mar Hotel on Saturday, July 16. The “Chips All In” charity poker tournament raised more than $86,000 to help the organization provide financial aid to more than 20 nonprofits which rehabilitate, retrain and rehome off-track-thoroughbreds.center_img The 2016 CARMA Cares Charity Fundraiser Platinum Sponsors included Bob & Jill Baffert, Madeline Auerbach, Jay Em Ess Stable, Chuck Winner and David Bienstock, Liberty Road Stables, Rancho San Miguel, Reddam Racing, Santa Anita Park, Purple Shamrock Racing, and US Ranger. Gold Sponsors included Mike Pegram, LRF Cares, Pamplemousse Grille, Double JH Stables, Jim and Janet Rome, Oakmont Ranch, and the Daily Racing Form. The Silver Sponsors were Harris Farms, Maureen Richardson CFP, Von Bluecher, Blea & Hunkin Inc., West Coast Feed, and CTBA. Table Sponsors included Haven Bloodstock, Meticulous Talent Management, Gary Stevens and Narvick International.Contact:Natalie RietkerkCARMA / (626)[email protected]# # #About California Retirement Management AccountCARMA (California Retirement Management Account) is a charitable 501 (c)(3) organization formed to assist Thoroughbred rehabilitation and retirement organizations that facilitate the care and retraining of horses who raced in California and whose racing careers have ended. CARMA ensures the racehorses have retirement options by managing and disbursing funds to qualified retirement facilities caring for such horses.last_img read more


first_imgTags:#enterprise#Products steven walling 3 Areas of Your Business that Need Tech Now Cognitive Automation is the Immediate Future of… Related Posts center_img IT + Project Management: A Love Affair Today, Oracle has acquired GoldenGate Software. GoldenGate is a vendor of real-time data integration software, designed to do fast, log-based transactions of data in the enterprise.For a company best known for its enterprise databases, buying technology that facilitates speedy access to data is a brilliant move. With a decoupled architecture that can deal with large volumes of information, GoldenGate is a proven platform that should lend much-needed data management acumen to Oracle’s capabilities.Financial details about the deal have not yet come out of either company, so the exact valuation of GoldenGate is unknown. But what is for sure is that there’s nothing Oracle needs more than a way to do real-time monitoring and management of data transactions. The prime use-case of GoldenGate’s technology — which is broken down in to two products: GoldenGate Director and GoldenGate Veridata — is during migrations and upgrades. It’s during those transitional periods that enterprise databases (or any large databases, for that matter) are most vulnerable. By acquiring GoldenGate, Oracle is not only gaining the sexiness of real-time, but they’re shoring up an area of weakness for their architecture. Massive Non-Desk Workforce is an Opportunity fo…last_img read more


first_imgWhy Tech Companies Need Simpler Terms of Servic… 8 Best WordPress Hosting Solutions on the Market markhachman Tags:#apps#Microsoft#Windows 8#windows 8 rt On Tuesday, Microsoft also delivered its Windows Phone 8 software development kit, a real boost for developers hoping to add apps to the Windows Phone 8 platform. A free version of Visual Studio Express 2012 was also released.At BUILD, Ballmer identified Windows 8 apps like ESPN, which built out a side-scrolling Metro app that offers access to video highlights and podcasts, analysis and additional content, all done within the Metro interface. SAP will offer a Windows 8 app; Twitter will too, along with Dropbox, although those latter apps have yet to be released.“In case it’s not clear: we’re all in for Windows 8,” Microsoft chief executive Steve Ballmer said at the BUILD conference on Monday. (That comes as consumers remain unsure about the new OS, often preferring Windows 7 or even XP over Windows 8.)And Ballmer was his typical enthusiastic self. Is Windows Really The Best Choice For Developers?“Microsoft’s Windows 8 is the best opportunity for software developers today,” Ballmer told developers. “Hundreds of millions of people just aching to use your applications, just dying to buy your application. Just dying to become involved with your company on a live, active, searchable basis. I know the folks in this room must be interested, or you wouldn’t be here. But I guarantee that this will be the best opportunity software developers will see as hundreds of millions of machines go out with the potential of billions and billions of new applications being sold. So i really want us to build together. We need your support. We need your commitment. You can count on us to stand behind the product and deliver whatever we can from you to from a developer support perspective.”But should Microsoft worry that much about the app count? After all, Windows 8 has a whole legacy of Windows 7 apps to build on; even if they don’t necessarily look all Metro-sexual, they at least work. Under the old desktop UI, they should even appear relatively natural. Games, for example, have their own UI, their own fonts, and a legacy of keyboard and mouse controllers (although more support gamepads, as well).The answer, naturally, is no: Relying too much on Windows 7-style apps lessens the need for customers to upgrade to Windows 8. And developers won’t inevitably gravitate to Windows, like they did just a few years ago: Apple and Google’s own developer ecosystems beckon. Microsoft’s developer terms are generous: developers keep 70% of all revenues, and when an app achieves $25,000 in revenue, that jumps to 80%. But Apple announced this month that it has paid $6.5 billion in cumulative payments to developers. That’s nothing to sneeze at. Why Windows RT Is DifferentI’d suggest, though, that, Windows RT might be a different story.Say what you will about Windows RT, one of the key stories surrounding the platform is the lack of third-party apps. Analysts have said that before you make a decision to buy a Windows 8 tablet – and right now, customers seem to prefer the Surface – you’ll need to decide whether or not Windows RT offers the apps you want.  Websites As RT Apps?But the notion of apps also brings with it the prejudice that users actually require a dedicated app. Recall the early days of Apple’s iOS: “apps” by major media partners were often just links to websites, some mobile-formatted, others not even that. The number of media players who have announced “apps” for Windows 8 makes me assume at least some are headed in that direction.But the message behind “apps” like Contre Jour from earlier this year suggests that a well-designed website might be at least a stopgap to any perceived app woes. Recall that Microsoft’s IE10 implementation of Contre Jour eliminates all the navigation tools or scroll bars, taking the HTML5-designed website “out of the browser” and onto the desktop.That doesn’t mean HTML5 is necessarily the right long-term solution from a technical sense; after all, Facebook’s mobile site for iOS recently ditched HTML5 to go native, and CEO Mark Zuckerberg has already indicated that a native Android app is in the works, too. It’s also true that apps like Contre Jour don’t magically spring into being, but require their own development.What I am surprised that I haven’t seen yet is Microsoft playing up its “Beauty of the Web” message to encourage developers to craft Contre Jour-style Web experiences or at least IE10-styled, Metro-ized versions of their websites.  And, of course, users can pin websites to Windows 8’s Start screen, giving them the same status and appearance as an app. It seems like a natural evolution of the company’s messaging.Over the past few months, I’ve worked almost exclusively on the Web itself, via the Google Chromebox. Web apps provide a number of alternatives for traditional apps; you just need to look.I’m not sure I’m ready for a Metro-ized Web. But if the apps pressure grows too strong, I wouldn’t be surprised for Microsoft to make the case that the Web already offers millions of great Windows 8 and Windows RT “apps.”center_img A Web Developer’s New Best Friend is the AI Wai… Related Posts As Microsoft hosts thousands of app developers in Redmond for its BUILD developers conference, the question needs to be raised: How badly does Microsoft need dedicated apps? More specifically, how badly does Microsoft need apps for Windows RT?Microsoft almost certainly needs dedcated Windows 8 and Windows RT very very badly. But there is an alternative. Microsoft hasn’t really suggested this yet, but the Web could be its backup plan.   How Many Windows Store Apps Are There?Microsoft seems to be going all out to convince developers that yes, they need to develop apps for the Windows platform. But Microsoft executives didn’t reveal Tuesday how many apps are actually available for Windows 8 and Windows RT, the same omission that Windows chief Steven Sinofsky made at the formal launch of Windows 8. Then, Sinofsky made the claim that the Windows Store would launch with more apps than any competing apps store contained at its opening. But, with the Windows Store open, Microsoft still hasn’t said how many apps are there. (Some have suggested that there are as few as 5,000.)Microsoft chief Steve Ballmer did, however, say that Microsoft has sold four million Windows 8 licenses to consumers over the last three days, along with tens of millions more to businesses. It’s a good start, but still a small fraction of the installed base of 670 million PCs running Windows 7 that could upgrade to Windows 8.Different App Needs For Different Windows Platforms?Microsoft has made the case, over and over, that its hardware and services traverse a continuum of devices, from the desktop to the notebook to the tablet to the phone to the living room. The operating systems that run these devices share common elements and, in some cases, common code; the user interfaces that they all run share a number of common elements. But the attitude toward apps on each platform has differed. Take Windows Phone.  At the Windows Phone 8 launch on Monday, Joe Belfiore, the vice president responsible for Windows Phone, said that the Windows Phone app ecosystem  now includes 120,000 apps across 191 countries, including 46 of the top 50 most heavily used apps on other platforms. “That’s huge progress for us,” Belfiore said. Top Reasons to Go With Managed WordPress Hostinglast_img read more


first_imgRole of Mobile App Analytics In-App Engagement Why IoT Apps are Eating Device Interfaces dan rowinski The Rise and Rise of Mobile Payment Technology What it Takes to Build a Highly Secure FinTech …center_img The Platform is a regular column by mobile editor Dan Rowinski. Ubiquitous computing, ambient intelligence and pervasive networks are changing the way humans interact with everything.The other shoe has dropped for Square. The once-hyped mobile payments company is killing off its Wallet payments app and replacing it with a new app called Order, which will allow users to order food and beverages ahead of time at their favorite cafes and restaurants. A few years ago, Square was the technology industry’s darling. Founded by Twitter co-founder Jack Dorsey, Square introduced the concept of attaching a credit card reader to one’s smartphone for mainstream consumers and businesses. Square was projected to have an initial public offering this year, but those plans may have stalled due to a tough competitive landscape and mounting losses.Now, Square is doing what scrambling tech companies do when times are tough: kill off a product and introduce a new one based off of gimmicks and marketing ploys.According to Jason Del Rey of Recode, Order will let consumers order ahead of the line from participating retailers and food establishments. Square could take up to 8% of the transaction with Order, which is well above the 2.75% industry standard it charges for in-store Wallet transactions.Square will continue to support Wallet users as it works to onboard them to Order.Quick Thought: Proof In The Pudding For An “Open” MicrosoftNobody wants to believe Microsoft is a more open, friendlier company these days. Microsoft’s stated interest is to spread its products, tools and apps across platforms, be it Windows or Android or iOS or Mac OS X or whatever. To achieve that goal, Microsoft doesn’t seem to mind taking advantage of open-source tools to fulfill its objective.The latest news on this front is that Microsoft is adopting open source Apache Cordova—commonly known as PhoneGap—as part of its Visual Studio integrated developer environment. PhoneGap is a service that allows developers to use Web properties like CSS, HTML and JavaScript to build Web applications and then “wrap” them to fit in the native app stores like Google Play and the Apple App Store.At this point, Microsoft just wants as many developers in its orbit as possible. If that means turning Visual Studio into a one-size-fits-all developer platform for iOS, Android and Windows/Windows Phone, so be it. After its initial bout of hype and success, Square has come to realize the immutable fact: Payments are hard.Square isn’t MasterCard, Visa or American Express, which all have massive install bases and capital runways to dip their toes into. But Square isn’t PayPal either; while it dabbles in real-world commerce and payments opportunities, PayPal ensures its existence for decades as the de facto online payments source. Square is a large startup with poor profit margins, a confused business model, mounting debt and no core service in which it holds the majority of its market segment.Wallets Are Made Of LeatherQuick, name one digital, smartphone-based wallet that everybody uses and talks about and is accepted at every merchant you want to buy something from.Still thinking? Mobile wallets were a big idea popularized in 2011, the same year that Square introduced its Wallet. Google started offering its Google Wallet starting that year, too. Between Google’s and Square’s wallets, about a billion dollars was spent trying to change the way people pay ($500 million each, if reports of each company’s finances are true). PayPal has a mobile wallet that can make real-world transactions, but I have yet to run into a store that accepts it (ReadWrite editor-in-chief Owen Thomas notes a coffee shop in San Francisco—Bravado—takes PayPal’s mobile payments app, so it does exist in the wild). Boston-based LevelUp (formerly SCVNGR) has an interesting business model based on low interchange rates and marketing plans for its merchant partners, but its transaction volume is too small to make much of a difference. Interesting technologies mixed with mobile wallets like Loop have gained some mind share within the industry, but awkward implementations and nascent products make it more of a dream than a reality.As for Square Wallet, I use it daily … at one location: 1369 Coffee House in Cambridge, Massachusetts. The shop instituted Square for credit card payments after years of being a cash-only business. The owners tell me they were quite upset when Square changed its interchange business model from one flat rate per month back to the 2.75% per transaction, which caused its monthly fee to go up by thousands of dollars. The shop is casually looking for alternatives.Quote Of The Day: “And if being the old-ish guy in the valley has taught me anything, it is that booms turn into busts, cycles end and greed gets it comeuppance. And we start all over again.” – Gigaom founder Om Malik in an article discussing if we are in another technology “bubble.”For entrepreneurs, the concept of a mobile wallet seems so logical that the payments industry looks like it’s ripe for disruption. If everybody is always carrying around a powerful computer in their pockets, it’s natural to consider loading payment information onto that secure device as an alternative to cash or plastic cards.The problem comes when this logical entrepreneurial spirit merges with an industry segment that is classically illogical. The payments system in the United States is a mess of entrenched interests, fragmented business opportunities, old infrastructure (like point-of-sale systems), back room handshakes and cut throat competition. The result is the status quo. People still carry around their leather wallets because that’s what they’ve always done: They prefer to pay with debit and credit cards because it’s just as easy as paying with their phones. The result is that mobile wallets have not gained critical mind share among the public. Some individuals may use it at their local shop once a day, but it’s a rare person that actively pays with their smartphone wherever they go. This behavior is not going to change any time soon, which means mobile wallets like Square are going to continue to struggle—at least until a more legitimate, easy-to-use and cost-effective solution comes along. More On Square And Mobile PaymentsWired doesn’t beat around the bush. Marcus Wohlsen writes, “Square Wallet Had Everything Going for It. And Now It’s Dead.“Steven Bertoni from Forbes writes, “Wallet was Square’s future, its big idea, its industry-changing product. Now it’s gone and I don’t know where Square plans to go.”Last month, The Wall Street Journal noted that Square lost $100 million in 2013.Brian Chen at the New York Times wrote last month about how consumers are failing to adopt mobile wallets.Business Insider Intelligence has long been bullish on mobile payments and to this point has been pretty consistently wrong. In a bit of ill-timed publishing, BI Intelligence reports increased interest in peer-to-peer mobile payments apps.  Related Posts Tags:#commerce#Google#LevelUp#Microsoft#Mobile Payments#Payments#PhoneGap#square#The Platform last_img read more

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