Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York Suffolk County police are investigating the death of a 42-year-old man at a bar in his hometown of Rocky Point over the weekend, authorities said.Officers responded to a 911 call reporting a disturbance at Rocky Point Ale House on Broadway, where they found Michael Murphy suffering from a medical emergency at 10 p.m. Saturday, police said.The man was taken to John T. Mather Memorial Hospital in Port Jefferson, where he was pronounced dead an hour and a half later.Homicide Squad detectives are continuing the investigation.
Cisco’s VP of IoE Global Practice Joseph Bradley joins us for today’s episode on his company’s latest report — “Digital Vortex: How Digital Disruption is Redefining Finance Services.” A few key items Joseph points out include:• How will it impact financial services? (seems like it already has pretty significantly)• What do you mean by “Nearing the Center of Disruption”?• How about “Leadership Attitudes on Digital Disruption”? (only one in three aware of it?)• And, lastly, what about “New Leaders Will Emerge”? continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
The buzz around the industry has all eyes on collateral values, which are expected to continue to decrease into 2018. Questions remain: How long will this trend continue? What percentage of consumers that own a car will now have negative equity and will this negative equity position lead to more credit defaults? What can credit unions do to protect themselves? As we know, the appraised value of an asset being used as collateral today, may not hold the same value over the course of the loan. While we hope adjustments and decreases do not affect values dramatically, there are checks and balances that can be put in place to mitigate the impact on your auto loan portfolio.Some things to think about:Diversification of the Portfolio—If certain vehicles are coming back with negative equity positions, a review of the portfolio should guide your action plan. Is there a concentration of those vehicles and are you prepared to handle any fallout? One way to remedy this is by setting aside enough funds to address falling values. It may be time to stop lending on certain vehicles until conditions stabilize. Review Advance Guidelines—With some advances going over 125%, credit unions may not want to allow a borrower, with a lower credit score, the ability to obtain a loan with advances as a high as a Super-Prime borrower. Periodic Review of Auto Loan Portfolio—During the lifecycle of the loan, analysis of the portfolio should be conducted on a regular basis to manage outcomes. This allows the credit union to reserve more for anticipated losses while making underwriting adjustments.Lending to Riskier Borrowers—This is the time you may want to review credit tiers to see how each is performing. Make adjustments as needed and be willing to walk away from riskier borrowers. Impact of Negative Equity—Similar to what took place in the mortgage industry, homeowners walked away from their homes. The same case can be made for auto loans that are upside down. Members who do not have skin in the game may very easily default on their loans. This is a good time to work hand in hand with your collection department to ensure that they are able to work with members who may be having difficulty.In addition to reviewing your conventional auto loan portfolio, credit unions who participate in leasing, should do a comprehensive review of their leasing portfolio as well. If your credit union participates in leasing, it is critical to make sure the tools used for projecting values are the best in the industry. Key questions for review:Does the credit union or the vendor take all the risk for the residual value?What methodology does your vendor use when coming up with residual values?Has the vendor demonstrated longevity in the leasing market?Have you had a good financial experience with your leasing partner?While you may have done everything to ensure your portfolios are not impacted negatively, periodic review of your current processes, underwriting guidelines, and collections department procedures will benefit you greatly. How aggressive do you want to be in this market, and can you afford to be? Like all business trends, we are in a cycle. It may be time to pull back in some areas, but not so far that you are unable to do any lending. There are many opportunities to capitalize on, but it must be done while striking a balance between protecting the credit union and managing growth. 17SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Indira Khan Indira Khan is Vice President of Credit Union Relations for GrooveCar. Indira has an extensive lending background having worked in the banking and credit union sectors for over 30 years. … Web: www.groovecarinc.com Details
It also argued that any revised IORP Directive should focus on the activities of IORPs, not the underlying scheme.“It is often very difficult to establish a clear-cut distinction between DB and DC schemes anyway, as the features of the schemes vary between member states, and many schemes sit somewhere along a spectrum ranging from pure DC to pure DB,” it said.“For example, the distinction in the proposal between which information requirements should apply to DC scheme and DB scheme members, respectively, does not make sense.“Additionally, information requirements should be based not only at the pension scheme but also take into account the activities and risks borne by the IORPs.”The most recent draft of the IORP II Directive, published in late October, saw member states attempt to claw back responsibility for the risk-evaluation for pensions – the evaluation tool used to replace pillar one – leaving the European Insurance and Occupational Pensions Authority (EIOPA) without a role in setting standards. The revised IORP Directive should not seek to distinguish between defined benefit (DB) and defined contribution (DC) pension funds but instead simply examine the risks borne by individual IORPs, according to the European insurance association.PensionsEurope said it was difficult to establish a “clear-cut distinction” between the two types of pension arrangements due to the varying requirements according to member state law, and therefore questioned why information disclosure requirements – under the current IORP II draft only affecting DC schemes – should be limited to the one type of fund.Commenting on the IORP II draft published earlier this year, the association also took issue with pension funds no longer being subject to quantitative requirements – dropped when the first pillar of the revised Directive was discarded by internal markets commissioner Michel Barnier.The position paper said the decision raised concerns that IORP members would not be as protected against losses as their insurance saver counterparts, an argument repeatedly used by the insurance industry to call for an ‘even playing field’ for those providing retirement benefits.
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This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenIslands for sale around Australia00:55The alarm goes off at 5am, you are out the door by 6am and then it’s a one hour, maybe two hour, commute to the office.If you have had enough of the rat race, here are a few ways to escape, still have a roof over your head and possibly some cash in your pocket.MORE: Beverly Hills mountain once listed for $1 billion sells for $100kWhy a sellers patch of cheap, remote dirt can be a buyers paradiseFormer hospital transformed into a grand Queenslander homeAre these Australia’s cheapest blocks of land?Over this? There is a solution.While some are downright rustic — think outdoor dunny — others just need a bit of elbow grease and imagination.First up is a seafood export business based in Cairns that comes complete with fishing boats, transport vehicles, fish tanks and fish rafts.The current owner is retiring but has fished for the likes of lobster, exporting to parts of Asia.It is now for sale for $1.25 million, but can turn over $4 million-plus a year, according to the listing.But more about those boats, and their ability to sail far away from the rat race.The company has a mother ship and a transporter boat.Hellllooo, Mother ShipThe mother ship has a hired manager and is supported by a number of “stable fishermen”, and is fully equipped for production, including a quick-freezing room, cold room and live fish tank.The only other ‘vehicle’ on the highway PICTURE: JULIANA RESTREPO VILLEGASIt sleeps eight people and has a kitchen, dining room and other living facilities on-board so even if you did not want to haul in a catch for export, you could sail off into the sunset and drop in a line for dinner.In Tasmania, Ninth Island — yes, there is a top notch wine named after it — is on the market for $1.98 million.And not a car in sight.Ninth Island is about 1.3km long, 550 meters wide and covers about 40 acres, and while there is no residence on the island, you could pack a swag, a carton of Ninth Island vino and the tools of the house building trade and knock up your own “pre-made villa with a solar system & rain water on this private island for just a few hundred thousand dollars”.The listing says the island is visible from the mainland vineyards in Tassie’s north, and is a paradise for wild animals including penguins, dolphins and seals and numerous native birds. “Princess Mary of Denmark’s grandfather’s boat was wrecked in the Bass Strait and the survivors reached Ninth Island and were rescued. Ninth Island is a short helicopter flight or 12km by boat from Tasmania’s mainland,” the listing says. “The Waterhouse Island next door just sold recently for USD 5,500,000. This famous island could be yours for the price of a 3 bedroom unit in Sydney.”Fellow Ninth Island commutersIndeed. There is a three bedder in Sydney’s CBD — smack bang in the middle of the rat race — on the market for $2.2 million.Anyway, enough about rats racing. Back to the perfect escape.If a warmer climate is more appealing, a business on one acre on Zuna Island in the Torres Strait archipelago is listed for $1,713,660.Not only does the escapee get the freehold land, but they also bet the business.The main residence is a cottage that is located less than 100 metres from the shoreline, is airconditioned and has a modern kitchen and bathroom.There is a spacious lounge that opens onto a deck with views to the ocean and a master bedroom on the mezzanine level.The neighbouring bungalow includes the guest quarters and is less than 40m from the cottage. It provides accommodation for up to eight people.Zuna Island Escape is totally off the grid and has been designed to be completely self-sufficient, but does have reliable mobile and internet coverage.In the Daintree, there is a container home located in the Forest Creek area on five acres.There is an unfinished shipping container home that has had the hard work done, so you could disappear in to the bush and put on the finishing touches.Nothing but trees.“The modified shipping container has failed the most recent Council inspection so work has ground to a halt at this point and the owner is ready to move on,” the listing says.“This is the perfect finish off job for a skilled new property owner.”There is also two creeks on the property — one semi permanent and one wet weather — and substantial council approved improvements that have been commenced including a plumbed concrete slab with council approved biocycle septic system installed, two newly purchased and anchored shipping containers, one is currently used for storage and the other has been modified into a compact shipping container bedroom/living space.But yes, it needs some work.There is also three new, already installed water tanks, NBN satellite internet, a mobile phone signal and twice weekly mail delivery.It is also located just minutes from Daintree River ferry crossing, 30 minutes to Mossman and 40 minutes to iconic Port Douglas.Crossing the Daintree Picture: Marc McCormackCrossing the Coathanger. Picture: Channel 7.More from newsParks and wildlife the new lust-haves post coronavirus11 hours agoNoosa’s best beachfront penthouse is about to hit the market11 hours agoAnd if you have ever seen those reality shows where people run off and buy a shack in Alaska, here is Australia’s version — a “fully insulated cabin” with four beds for $55,000.Okay, it is now under offer but it deserves a mention for being about as rustic as you can get.The outdoor dunny.Located within three hours of Brisbane, it is set on 18.82 acres of bushland and comes with the cabin, water tank, a basic amenities block and off grid solar power.We did say it was rustic.There is also underground wiring, power and phone services that run past the property and sealed road access.There are 4 beds inside this cabinIn Victoria there is a winter bolthole that could provide the perfect escape when you want to swap boardroom meetings for the mountain.From meetings to the mountain.The freestanding chalet offers an open plan living and kitchen area with access to a large enclosed deck area with enough space for a barbecue and table and chairs.There is also a laundry and bathroom, a master bedroom, and an open plan mezzanine bedroom with storage.One of the bedrooms in the winter bolthole.It can also be rented out when you have to return to the rat race. It is listed for $355,000.In New South Wales, there is a private retreat that is being marketed as a possible meditation getaway with short-term accommodation potential.Situated on 28 acres just an hour north of Sydney, we have no idea how much it will sell for but we will just “ommmmmm” our way to rat race-free bliss.Ommmmmmmm … vieeeeewwwwwww.Located on the Hawkesbury River, the property consists of a house with water views, a large games and rumpus room with a kitchenette, a recording studio, a wide veranda, two bedrooms, a study and a bathroom with laundry facilities on the ground floor.Upstairs is the open plan kitchen, living and dining area with a veranda, three spacious bedrooms including a main bedroom with an ensuite bathroom and walk-in wardrobe, plus a family bathroom.Outside there is opportunities for swimming, sailing, boating, fishing, or even bushwalking and abseiling.And if the rat race is driving you to drink to much coffee, you could make the switch to vino and buy Winburndale Winery and Vineyard for about the same price as a two bedder flat in the big smoke.Bottoms up.The property produces around 50 tonnes of Chardonnay, Shiraz, Cabernet Sauvignon and riesling grapes a year, and features include a cellar door, function room and climate controlled winery, an architecturally-designed home with a wet edge pool, separate guest accommodation cabins or tourism venture, remnants of the Fontana and Little Wonder Gold Mines, stunning views and water secured by pipeline and six dams.It is located in Bathurst and listed for $1.775 million.
The import project costs 233.6 million euros ($264.6 million) with EU providing 101.4 million euros from the Connecting Europe Facility. LNG Croatia still expects to launch the long-awaited import facility on January 1, 2021 as terminal works progress on the Krk site. Looking at the rest of the gas years until 2030, the booked capacity ranges from 2,003 bcm to 1,143 bcm. The terminal developer has this year revealed two capacity booking deals with Hungary’s state-owned MFGK taking up capacity across seven gas years and trading firm MET booking capacity for three years. The latest capacity deal announced on Monday is the longest and it includes a period of 15 years. Krk LNG construction works (Image: LNG Croatia) Image: Croatia LNG PowerGlobe Qatar, an energy arm of privately-held Optimized Holding (Al Faisal), is the customer behind the latest booking. The terminal developer expects to complete works on the Krk facilities in October this year, just in time when the FSRU arrives. The booked capacity varies from 0,468 bcm to 0,936 bcm per year. The Krk LNG project includes a floating storage and regasification unit connected to a jetty and additional facilities, and the connecting high-pressure gas pipeline. State-owned LNG Croatia, the developer of the country’s first import terminal, said Monday that all of the capacities at the planned Krk facility have been booked for the next three years. The total booked capacity now stands at 1,878 bcm in the gas year ending September 2021, 2,541 bcm in 2022, and 2,540 bcm in 2023. LNG Croatia said that with this deal “all free terminal capacity has been booked for the next three gas years and there is no more available capacity”. LNG terminal construction in full swing According to PowerGlobe’s website, the company previously delivered LNG cargoes across Mediterranean and Adriatic region and its partners include Qatari and US suppliers. Golar won a deal back in 2018 to provide its 2005-built LNG carrier Golar Viking to the Krk project and convert it to a FSRU. The vessel arrived at China’s Hudong-Zhonghua yard in January this year for conversion works expected to take at least six months. The vessel will be tested for about two months once it arrives in October at the Krk site. The LNG terminal on the Croatian island of Krk in the northern Adriatic Sea will have a capacity to send up to 2.6 billion cubic meters per year of natural gas into the grid. The project will also receive 100 million euros from the Croatian State budget and 32.2 million euros from shareholders equity contribution.
More ex-internationals who are mourning their colleague Ajibade Babalade of the Super Eagles fame who died on Friday in Ibadan, have said his death came as a great shock.Football mates and tenants who spoke to the News Agency of Nigeria at his residence described his death as a great loss and shock. Dimeji Lawal, an ex-international, described his death as a great shock, saying: “Everybody is still in shock, no notice or serious sickness and it’s so saddening and I don’t really know how to described his death.“Let’s forget that we were football colleagues.“He’s a friend and I am still in a state of shock.“It’s so difficult to believe and that is why I am in his house to confirm this.“He was my former teammate. “Very diligent when it comes to working.“He gave me a cut on my head while we were in the Super Eagles.“Everything about Ajibade revolves around football and he was a core professional and that was why he was able to move and play abroad and not just in Nigeria.“He was part of the Nations Cup team that won bronze in 2002.“There is no way you will talk about Shooting Stars and not mention Ajibade Babalade. “He’s a legend and we lost someone that is very vital to Nigerian football.”An ex-footballer, Sesan Odukoya, described the late Babalade as a great friend in their time of playing football.Odukoya said: “He was a great player and a legend.“He was so lively, so friendly.RelatedPosts Super Eagles soar on FIFA ranking FIFA ranking: Nigeria moves up by two spots, now world 29th Omeruo welcomes second child “He does not get angry and when he does, he keeps away.“He’s one person that always looks for people’s happiness.“His death is a shock to me because we spoke few days back.“We were always in touch.“Ajibade was a friend of mine, teammate, a colleagues of mine, we share messages together and we still spoke few days to his death.“His death is a shock to me.“He’s somebody that I know is friendly both to his colleagues and neighbours and likewise everybody.“When you see Babalade, if you are in a bad mood, you will be in a good mood.“He’s always lively.“He was with African Sports of Abidjan, while I was with Stade FC of Abidjan.“We played against each other and I knew him as a great defender.“He played in the national team in 1992 Africa Cup of Nations in Senegal, he was the youngest player then and was liked so much by the late Stephen Keshi.“He had complained about not being able to use the toilet for some days and that prompted his going to hospital.“That was how it started and it’s shocking to know it led to his death.”Odukoya urged all ex-footballers and current players to live in unity, live in oneness and be united.“The round leather is what brought us together and it’s not when one of us dies that we come looking after each other and calling.“The call we are receiving now after his death should have been made when he was alive.“There should be checks and balance.“We should check on one another.“A little discussion with someone can revive another one year in a person’s life.“What we think is nothing is something to someone when we do good.“What troubles many ex-footballers is depression and psychological problems, if our people can know how to tackle this, it will prolong many lives.”Adeyemi Ademoyegun, one of his tenants, said he was a very nice man to all and sundry.Ademoyegun said: “The deceased happen to be my landlord.“He’s a very nice man.“I really don’t know how to describe him.“I have been his tenant for three years now.“You would not know that he’s the owner of this place and that we are his tenants.“He treats everyone in this house like a family.“He mingles with everyone without disparity.“His death is a shock but I believe everything belongs to God.“He was apparently ill for over two weeks, treating himself without informing us.“I believe he thought it was a minor thing, but his death is a big loss to the football fraternity in the country, especially in Oyo State.”Adebusola Oyerinde, a former tenant of Babalade, said he treated everyone equally with utmost respect.Oyerinde said: “He was my landlord for 15 years.“I got married in his house.“In those 15 years, there was never one day that he looked me in the eyes and acted like a landlord.“He was too nice.“He was nice to a fault.“He would make you believe that everybody in his house, including him, all own the house.“He loved children so much.“He brings all the kids into the compound and plays football with them.“His death is a loss to everybody.“He should not have been the one to die now.”NAN reports that Babalade started his professional career at Stationery Stores of Lagos in 1990.He helped the Oluyole Warriors to reach the final of the CAF Champions in League in 1996.He played professionally at the Ivoirian African Sports, Anyang LG Cheetahs (Korea), SK Sturm Graz (Austria) and for an Indian club Mohun Bagan AC.NAN.Tags: Ajibade BabaladeSuper Eagles
Aston Villa striker Libor Kozak will miss the rest of the season after breaking his leg in training on Thursday. Press Association The Czech Republic international is Villa’s joint top-scorer in the league this season, alongside Christian Benteke, with four goals in 14 appearances since his summer arrival from Lazio. His absence for the rest of the campaign will, however, leave the goalscoring burden on the out-of-form Benteke. The Belgian has not netted since a 2-1 defeat to Newcastle on September 14 and his problems in front of goal have been reflected in Villa’s own lack of goals. Paul Lambert’s side have scored three goals in their past six league games, with Gabriel Agbonlahor’s sole strike ending a five-game winless run at Sunderland on New Year’s Day. The 24-year-old, who signed for Villa in the summer, is set to undergo surgery on Friday. The club revealed Kozak’s injury in a brief statement late on Thursday night, adding that “regretfully, he will play no further part this season”.
Sen. Rick Scott canceled a press conference he had scheduled for Thursday afternoon and also made an announcement that he will be self-quarantining after coming in contact with a Brazilian delegation member who tested positive for Coronavirus.Statement: “My office was alerted today by the Brazilian Embassy that a member of President Bolsonaro’s delegation tested positive for Coronavirus. On Monday, I met with the President in Miami, and while I do not I believe I interacted with the infected person, that individual was in the same room as me. The Embassy said the person had no symptoms leading up to or the day of the conference. After consulting with the Senate’s attending physician and my personal doctor, I have been told that my risk is low, and I don’t need to take a test or quarantine. However, the health and safety of the American people is my focus and I have made the decision to self-quarantine in an abundance of caution. I am feeling healthy and not experiencing any symptoms at this time. I will still be working on my plan to combat Coronavirus and protect American families, and my offices in D.C. and throughout the state will still be fully operational to help Floridians.”
The Latest: UVA president predicts no normal football season Associated Press The Spanish league says five players from clubs in the country’s first and second divisions have tested positive for COVID-19.They are all without symptoms and will be allowed to start practicing after testing negative in further testing. They will need two negative results to be allowed to come back.The league has not named the players who tested positive. It also hasn’t disclosed their clubs.Spain this week started loosening some of the lockdown measures that had been in place since mid-March because of the coronavirus pandemic, allowing soccer players to resume training individually.Most teams returned to action on Friday, including league leader Barcelona. Atlético Madrid resumed its activities on Saturday and Real Madrid players will be back practicing on Monday. Spanish media has reported that Atlético Madrid defender Renan Lodi was among the players who tested positive. He did not practice on Saturday.___The president of the French Tennis Federation says holding the French Open without fans later this year is an option.The clay-court tournament at Roland Garros was initially slated to be held May 24-June 7, but was postponed amid the coronavirus pandemic and rescheduled for Sept. 20-Oct. 4.Bernard Giudicelli tells French newspaper Le Journal du Dimanche that “organizing it without fans would allow a part of the economy to keep turning, (like) television rights and partnerships. It’s not to be overlooked.” Clubs are yet to resume group training as they abide by government social distancing regulations.Brighton has opposed plans to complete the season in neutral stadiums rather than being able to play its five remaining home games at its stadium.___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6 May 10, 2020 Giudicelli adds that “the lack of visibility is genuine” when hosting a tournament without fans but “we are not ruling any option out.”That could potentially mean moving the starting date back to Sept. 27, something Giudicelli says “does not change much.”The FFT is refunding all tickets purchased for the original dates of Roland Garros by the end of May and a new ticketing procedure will be opened if the tournament goes ahead.___A Brighton player has tested positive for the coronavirus as the Premier League pushes ahead with plans to resume during the pandemic. The southern England club says there is no need for other members of the squad or coaches to self-isolate because players have only trained in isolation when at the training ground.The positive test came back on Saturday. Brighton chief executive Paul Barber told broadcaster Sky Sports that “despite all of the measures that we’ve been taking over the past few weeks, where the players haven’t been involved in any significant training at all, we’ve still suffered another player testing positive for the virus.”Brighton says three players have now had the coronavirus. The club announced one case in March.Premier League clubs are due to hold a conference call on Monday about “Project Restart.” James Ryan told CBS’ “Face The Nation” on Sunday that athletic director Carla Williams and football coach Bronco Mendenhall are committed to a safe return to play, but that nothing will proceed until medical officials say it’s safe to resume workouts.“We’re taking it day by day,” Ryan said. “Obviously, we need to have students back on grounds before football can begin.”Virginia is coming off a season in which it won the Atlantic Coast Conference’s Coastal Division championship. The Cavaliers also have recently won national championships in men’s basketball, soccer, tennis and lacrosse.“Our hope, obviously, is that there’s a football season this fall,” Ryan said. “I don’t imagine it will look like normal football seasons just like I don’t imagine even if we have all students back on grounds it will look like a normal semester. It will not be a normal semester next fall.”___ Share This StoryFacebookTwitteremailPrintLinkedinRedditThe Latest on the effects of the coronavirus outbreak on sports around the world:___The president of the University of Virginia says he hopes college football can be played this fall, though he cautioned that he does not expect it to seem like “normal football seasons.”