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first_imgGaining speed around providing credit is a different proposition from speedier payments. Fast credit focuses on the critical but relatively infrequent front-end event of screening applications and approving loans. Once a mortgage or car loan has been made, borrowers like payment convenience but don’t care about speed unless they are delinquent. And a credit card linked to an approved line of credit generally provides a fast-enough way to buy something on credit.The key these days to speedy lending is using mobile device technology to reduce member friction and add value, observes CUES member Kris VanBeek, CCE, CIE, president/CEO of $1.25 billion USAlliance Financial, Rye, N.Y. USAlliance Financial members can use their smart phones’ cameras to upload loan application documents; use text recognition to capture name and address information of a photo of a driver’s license; and create virtual strong boxes to securely store important documents like birth certificates and tax filings that might be needed to attach to credit applications. They can also use their phones GPS features to validate location and support authentication.For credit products, the need for speed is concentrated primarily on the front-end decision and implementation, explains Sabeh F. Samaha, president/CEO of Samaha & Associates Inc., Chino Hills, Calif. Decisions should be fully automated or mimic full automation, he says.“All the pieces needed to make a decision should be pulled together online in real time, including those drawn from third-party systems,” he notes. Then the onboarding should be automated and essentially instant, with full visibility of the status to the applicant. Once that has happened, the need for speed is less urgent, but still needs to be applied to processing delinquencies, collections and workouts, he adds. “It’s all about integration and seamless automation.” continue reading » 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more


first_img continue reading » Apple’s first-ever credit card, called Apple Card, is coming in just a few months.The new card — which Apple unveiled earlier this year at an event at its headquarters in Cupertino, California — is a brand-new product line for Apple. Apple Card will have no annual or late fees, and an interest rate that Apple aims to have be “among the lowest” industry-wide.Apple touted an easy-to-use app interface for the card, as well as a both a digital version and a sleek, physical version of the card.Apple Card will be rolling out to US customers this summer, but Bloomberg reports that Apple has started allowing “tens of thousands” of its own retail employees to test the card. Bloomberg reporter Mark Gurman also got his hands on one, and showed off the rainbow packaging on Twitter. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more


first_imgIn 2018, in the period from March 25 to October 27, more than 70 new regular lines were introduced, while the growth in the total number of rotations is 15% compared to 2017. This growth represents an increase in the number of rotations from 29.843 rotations in 2017 to more than 34.400 rotations in 2018.Analyzing the summer flight schedule by destination, according to the absolute number of announced new rotations, Split leads with an increase of 27,7%, in second place is Dubrovnik with an increase of 19,6%, while in third place is Zagreb with a growth of 6%.That’s right Split this year, among others, also connected to new flights of carriers Volotea with Nice, Palermo and Bergamo, while on flights Thomas Cook connected with London, Bristol and Glasgow, and with Düsseldorf and Hannover through lines Condor. Dubrovnik is connected by new flights easyJeta with Naples, Venice and London, while on flights TUI connected with Nottingham, Newcastle and Deauville. Zagreb is the new year Air Canada connected to Toronto, while Croatia Airlines introduced a new line to Dublin. Cheerful and new lines towards Zadar which is connected by flights Ryanaira with Frankfurt, Bremen and Allgäu Memmingen (Bavaria), as well as new lines to Puli which is connected by flights easyJeta with Basel, Milan, Berlin, Liverpool and London.”The key goals we have defined include positioning Croatia as an attractive year-round tourist destination that is also very well connected, especially in the context of airlines, which are a key segment of extending tourist traffic to pre- and post-season periods. It is with this goal in mind that this year, for the first time, we have carried out significant cooperation with airlines and tour operators from abroad, ” said the director of the Croatian Tourist Board Kristjan Staničić.Looking at the emitting markets, most rotations are planned between Germany and Croatia (+ 10% compared to last year), followed by connections with the United Kingdom (+ 8%), France (+ 7%), Italy (+ 39%) and Switzerland (+ 25%). The start of this year’s summer flight season, which recorded significantly more rotations in the first week than was the case last year, is an additional indicator of a significant strengthening of airlines this year. Namely, as many as 536 rotations will be active in the first week, which is an increase of 451% compared to 19 rotations in the first week of last year. The airports of Dubrovnik, Zagreb and Split recorded the most new rotations in the first week.”In addition to emphasizing the quality of our overall tourist offer, we monitor market trends and expand demand to those markets that have the greatest potential for growth in tourist traffic. Airlines play an important role in this and enable Croatia to become an even more competitive and interesting world tourist destination.”, Concluded the Minister of Tourism Gary Cappelli.The CNTB notes that the above analysis of the air connection between Croatia and emitting markets was conducted on the basis of data from Croatian airports in the mentioned period. Accordingly, flight schedules are less subject to change during the season.</p>
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first_imgPrime Minister Malcolm Turnbull has put public transport infrastructure firmly back on the agenda, reversing the former Abbott government’s policy of only funding road projects.As a result, a number of proposals are now receiving a second look at both a state and federal level.One of these is the Cross River Rail Project in Brisbane, a 9.8km tunnel linking Yeerongpilly in the south with new stations in the city and Bowen Hills in the inner north.That’s great news for 2.3 million people confined to just four ways to cross a river which effectively divides Brisbane in half.But will this proposal make a difference to property prices?Meighan Hetherington, Director at buyers agency Property Pursuit, says the Cross River Rail will make a difference to Brisbane’s commute particularly for residents in the south.“If you are on the south side and want to get into the city, just one breakdown can throw the roads into chaos whereas the north is serviced by a better arterial road,” Hetherington says.“The result has been buyers can find better value on the south side. I think this project will be a strong benefit for those buyers relying on public transport to get into the city.Building Australia: How infrastructure changes the way we live But while new transport announcements typically result in a jump in property prices, this has not been the case in Brisbane.“Projects like this have a history of causing a large amount of uncertainty in Brisbane, primarily because of changes to the actual routes, Hetherington says.Projects like this have a history of causing a large amount of uncertainty in Brisbane.“Wooloowin, a beautiful suburb with period properties, was an example of this during the study and construction phase of the airport tunnel in 2006-08. The uncertainty around the final route saw the local market effectively lock up with few sales.“We can expect the same effect this time too, but once the project is completed all other things being equal I expect strong price spikes for houses within 800 metres of a new station.Southeast Queensland: What’s inside the Golden Triangle? “The major caveat is that properties within 100 metres of a new surface station will be noise affected and owners can expect some negative consequences.”Hetherington points to the Transapex project, which saw the convergence of the airport tunnel and northern bus way around the Kedron area in Brisbane’s inner north, as an example of how Cross River Rail’s impact on local real estate might play out.“Our analysis was that the improvement in access would prove a real benefit to local property and indeed you can see this in 2012 and 2013, with house prices performing above the Brisbane metro average.”More from newsMould, age, not enough to stop 17 bidders fighting for this home3 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor9 hours agoExpect price spikes for houses within 800m of a new station.While Hetherington sees a sunny upside for nearby houses her optimism doesn’t extend to apartments.center_img “If you follow this rail link’s likely path, there are just 79 new units approved in Dutton Park, but in Yeerongpilly there are 1,200 new apartments and townhouses approved, 1,423 in Woolloongabba and 1,130 in Bowen Hills.“That much supply tends to overwhelm demand from both tenants and owner occupiers.“We have concerns about the number of units being built across Brisbane generally and feel increases in supply will likely outweigh the benefits this project will bring to unit owners in these areas.”So should investors target houses around the new rail link’s path?“For investors with a longer term view and reasonable appetite for risk there will be good opportunities to buy in areas in and around this project.“The best properties to target are period houses with a good land content ratio, or townhouses in clusters of 12 or less in good locations, avoiding any areas which may be prone to flooding.”last_img read more


first_imgJ.E. McAmis, a California based heavy-civil, marine and environmental contractor, has won the Mouth of the Columbia River (MCR) 2017 North Jetty Rehabilitation Project.In continuation of interim repairs completed also by McAmis in 2015, the basic repair template for the 2017 MCR North Jetty Rehabilitation effort includes more than 6,300 LF of rehabilitation or construction of a 30-ft crest width, 1V:1.5H side slopes, and a crest elevation of +25 ft (NAVD88).To complete the repairs, McAmis will utilize more than 120,000 tons of stone ranging up to 30 tons per stone.“The MCR jetties help support the economy of our region and the entire country. The Columbia Snake River System is the nation’s largest wheat export gateway. When combined with soybeans, corn, pulses and other grains, it is the third largest grain export gateway in the world. It is number one on the west coast for forest products and mineral bulk exports,” according to the Pacific Northwest Waterways Association (PNWA).Each year, approximately 44 million tons of cargo moves through the deep draft Lower Columbia River, valued at roughly $24 billion, PNWA said.last_img read more


first_img“It does make you complacent. You become lazy. But I mean mentally, I’m not different,” the student told 1 NEWS. “That would be particularly difficult in the New Zealand context because you’d be requiring an increase in services in the mental health addiction sector which is one of the most over stretched sectors out there,” said Joseph Boden of Otago University. “Clarity, I sort of focus a lot better. Eating better definitely,” he said.The Drug Foundation wants cannabis treated as a health issue, suggesting the drug should be decriminalised with its cultivation and sale regulated.Drug researchers warn that where cannabis has been legalised, there has been an increase in rates of dependence. ‘You become lazy’ – uni student who started smoking cannabis at 12 says quitting gave him clarityTVNZ One News 18 July 2017Family First Comment: Interesting comment that addiction services will struggle with increase if dope laws are liberalised. Mental health services already can’t cope! www.saynopetodope.org.nzA university student who started smoking cannabis when he was just 12 says the drug makes you complacent and lazy.The young man spoke anonymously as the latest 1 NEWS Colmar Brunton poll showed New Zealanders are divided over whether to decriminalise cannabis.The poll showed 47 per cent support the idea of regulating the cultivation and sale of the drug, and 41 per cent were opposed. Twelve per cent didn’t know. He has since given up using cannabis, to focus on his studies. Cannabis is popular with young Kiwis. By the age of 21 an estimated 80 per cent will have used it at least once. Otago University also found that young people who use cannabis face more mental health problems, are more likely to use other illicit drugs and may struggle at school.READ MORE: https://www.tvnz.co.nz/one-news/new-zealand/you-become-lazy-uni-student-started-smoking-cannabis-12-says-quitting-gave-him-clarityKeep up with family issues in NZ. Receive our weekly emails direct to your Inbox.last_img read more


first_img Facebook Twitter Google+ Lieke Visser patiently surveyed the field. She had enough space to fire a shot, but instead, she saw teammate Lauren Brooks at the goal post and passed her the ball. Brooks fired it home for her second goal of the day.Displays of that same patience and composure led No. 5 Syracuse (6-0) to a 5-0 win against Ball State on Sunday at J.S. Coyne Stadium. The Orange’s smoother game helped head coach Ange Bradley’s team take advantage of the wider gaps in the Ball State defense to rebound from a 2-1 escape in Saturday’s home opener against Albany.“We were a bit nutty yesterday,” said Bradley. “We had better composure today. In our attack, in our patience, to be able to go forward and play Syracuse-style hockey.”Some of the 10 freshmen on the team felt the pressure of the home opener, Bradley said, especially having to follow a class of players that only lost one game at home during their entire collegiate careers.Bradley believes the patience and shot selection the team played with Sunday showed off a better version of the Orange.AdvertisementThis is placeholder text“Put yourself in their shoes,” Bradley said. “Now you got to just realize we’re just playing, it makes no difference if we’re on Coyne or another field. You just got to play the game you love.”While Bradley believes the biggest reason for the improved offensive performance comes from getting over the home-opening jitters, some of the players believe it was more a case of different opposing defenses yielding different results.Against Albany’s more compact defense, the Orange failed to score until the 59:50 mark of the match, when Jordan Page scored to tie the game at one.“The defense of Albany vs. Ball State were a little different,” Brooks said. “Albany was a little more aggressive in the circle in not letting us get as many shots off. I think once we adjusted to Ball State it was a little easier to open them up.”SU only recorded 10 total shots Saturday. Against Ball State, the Orange was able to hit its goal total from the day before in just the first half with goals from Kati Nearhouse and Brooks, who both scored again in the second half. Outshooting BSU, 28-4, the Orange more than doubled the amounts of shots it tallied Saturday.“I think I had a little space on the right side,” Visser said of her assist for SU’s third goal Sunday. “I had so (much) space there to work in the circle and look for the ball.”Five minutes later, Page found herself in a similar situation not far from the goal. She could have forced a shot, but she had space and spotted Visser in front of the goal and passed to her instead. Visser put the ball in the net.“We didn’t let them dictate,” Page said. “I think that was a really big part of it. Us deciding when to go for it and being patient and taking our space and just getting the ball on goal.” Comments Published on September 8, 2014 at 12:15 am Contact Ryan: rlraigro@syr.educenter_img Related Stories Seniors lead Syracuse to blowout win over Ball State, finish dominant weekendlast_img read more


first_imgUSC benefactors Mark and Mary Stevens have donated $50 million to officiate the creation of the USC Mark and Mary Stevens Neuroimaging and Informatics Institute.The endowment will be used to expand the understanding of the human brain and enable researchers to discover new ways to treat, prevent and cure brain disorders. The Institute will be led by professors Arthur Toga and Paul Thompson.The funds will also enable the researchers to undertake more high-risk and high-reward projects, collect preliminary data and recruit additional top faculty.According to USC News, researchers plan to accelerate the translation of basic research into new therapies, preventions and cures for brain injury and diseases, such as Alzheimer’s, schizophrenia and traumatic brain injury.Toga sees the endowment as an opportunity to look at more unusual types of relationships.“For example, are there things that occur when people are young, early in life that affect them later in life?” Toga said.  “Those are lifelong investigations that are extremely important in terms of understanding reduction of risk for neurological or psychiatric disorders or ways in which we can improve brain health.”The institute and its Laboratory of Neuroimaging was originally brought to the Keck School of Medicine in 2013, to unite a team of more than 130 faculty and scientific staff members. The institute represents a diverse group of faculty from around the world who are acclaimed leaders in examining the brain’s structure and function in health and disease.According to USC News, the institute has recruited a large group of global scientists to pool resources in “reverse-engineering” the brain. Specifically, the institute will study the ways in which they can learn to map and understand how its structure plays into its function.The institute was among the first to map the spread of Alzheimer’s disease in the human brain and to create digital 3-D and 4-D brain atlases to examine the effects of neurological diseases.The institute is known for the world’s largest repository of healthy and diseased brain images, along with medical and cognitive data from diverse populations around the globe.It will continue to partner with the Viterbi School of Engineering, and other faculty in biology, genetics, biostatistics, computer science, mathematics, pharmacology and numerous other disciplines.President C. L. Max Nikias said that the funds will be used to explore a captivating new field.“Neuroscience has been called ‘the final frontier’ in medical science’s progress toward a fuller understanding of human life and human health,” Nikias told USC News.  “Through the Stevens’s support, USC researchers will have the opportunity to address many of the most pressing questions in medicine today.”Students will also benefit from the endowment as it creates a more interdisciplinary learning experience for students on both campuses.Toga said that overall, the donation is going to be most beneficial for students.“We’ll have more and interesting projects that students can participate in and those are the type of experiences that are great for students because it engages them in a kind of science they really wouldn’t have an opportunity to see otherwise,” Toga told the Daily Trojan.As longtime USC benefactors, Mark and Mary Stevens have made lasting impacts in areas ranging from engineering and innovation to now medicine and the life sciences.“The gift from the Stevens is unbelievably bold,” Toga said.  “For him to have the vision and the level of commitment not only to USC but to this institute, I think that’s a testament to the excellence of USC and his recognition of not only how good we are, but how good we can be, how much better we can be.”last_img read more


first_imgUSC moved to No. 1 in ESPN’s Top-25 Preseason Poll, released Monday. Previously ranked No. 2, USC ousted LSU from the No. 1 spot.With a solid recruiting class, featuring three five-star athletes, the Trojans went for quality rather than quantity on their way to next season. The Trojans’ national signing day results made heads across the country turn.Recruits like wide receiver Nelson Agholor, defensive back Devian Shelton and defensive end Leonard Williams boosted the caliber of this year’s class of 15 recruits, adding depth to a relatively small number of incoming players.The three five-stars, Agholor and offensive linemen Zach Banner and Jordan Simmons, will be crucial in ensuring a strong offense, something USC worked on steadily last season.The Trojans average a star rating of 4.07, according to Rivals.com.Regardless of the scholarship restrictions that went into place this recruitment cycle, USC remained appealing to some of the top players in the country — 10 four-star players were among the 15 total recruits.Though seven months still remain before the team’s season opener, the poll indicated USC’s nine returners on the offense and defense, combined with strong new recruits, puts it in a spot to compete for the BCS national championship title.With the return of junior quarterback Matt Barkley and junior wide receiver T.J. McDonald and the arrival of new players,  things are certainly looking up for a team that was unable to compete in bowl games for the last two seasons.Polling right behind USC are the Alabama, Louisiana State University and Oklahoma. USC is the only Pac-12 team ranked in the top five, with Oregon ranked No. 6 and Stanford at No. 13.The Trojans will begin spring practice on March 6. They are set to play six away games and six home games next season, beginning with Hawaii on September 1.last_img read more


first_img Published on November 1, 2016 at 9:12 pm Syracuse began its exhibition slate with a 83-65 win over Indiana University of Pennsylvania on Tuesday night in the Carrier Dome. With six first-year players logging minutes for SU, it took the Orange a while to settle down before storming past the Crimson Hawks by halftime.There was man-to-man defense, plenty of debuts and a stark contrast of play at the point. Here’s a breakdown of Tuesday night’s storylines.Syracuse played man-to-man defense — and it didn’t workSU head coach Jim Boeheim hinted his team might do “some more things” on the floor this season, and he wasn’t kidding. Syracuse spent much of the first half pressing on defense as it tried to catch up, but the stranger sight came as SU settled on defense.The Orange set up in man-to-man defense right at the onset, a strategy relayed to the players in pregame meetings. That left SU as the only attendees in the Carrier Dome Tuesday night that saw what was coming, but the scheme quickly backfired. The Crimson Hawks picked apart the Orange defenders who chased IUP around the court. The visitors shot 50 percent in the opening 12 minutes to open up a 15-point lead at one juncture.AdvertisementThis is placeholder textIUP’s Blake Danielak hit a 3 near the top of the arc as Coleman failed to play catch up, and the play repeated itself three times as Syracuse’s stalled on all fronts.“It’s just not a good situation for us to play man,” Boeheim said. “It doesn’t mean we can’t play it, but we can’t play it against a team that brings our center out there … we’re not good in that situation.”Paschal Chukwu made his debut and tried to extend his 7-foot-2 frame under the basket to alter Jacobo Diaz’s shot, but Chukwu tried to swat a ball that never went up. Diaz waited for Chukwu to pass, and put in the easy lay-up.Much to SU’s benefit, it returned to zone in the second half.John Gillon could be the spark plug SU hoped he’d beAfter sinking to a 15-3 deficit in just under five minutes, Boeheim had seen enough of his starters. He sent Taurean Thompson, Matthew Moyer, John Gillon, Tyus Battle and Chukwu in as an entirely new unit on the floor.“It was poor,” Frank Howard said. “It was sloppy. The whole game was sloppy.”The starters slowly integrated their way back into the lineup, but one thing was clear as Syracuse mounted its comeback: The offense ran much smoother in the first half with Gillon at the helm.Liam Sheehan | Staff PhotographerHoward started the game as expected, but a flustered SU team couldn’t figure out anything offensively. Not all of that was Howard’s doing, but the speedy Gillon was the spark plug Boeheim hoped he would be. The fifth-year transfer from Colorado State finished with nine assists and worked his options on the floor.“I think it’s always good when you have somebody coming off the bench and can push the tempo and offensively,” fellow fifth-year transfer Andrew White said. “… I think he did a really good job speeding us up.”Gillon heaved an alley-oop to Tyler Lydon that clanked out of his hands, but the point guard recovered possession and found Lydon in the lane for a clean dunk. The more deliberate Howard still matched Gillon’s 20 minutes of play, but couldn’t get into any rhythm until the second half.In the final minutes of the opening stanza, Howard fumbled a loose ball bouncing his way. IUP recovered possession and sent another errant shot headed Howard’s direction. The loose ball ricocheted off the sophomore’s ankle and out of bounds, sending his head coach into a fit.“You stand right here!” Boeheim screamed as he stepped onto the court, pointing a few feet away from where Howard was positioned.“When you don’t make the play,” Howard said, “you should expect that.“I’ve been through it. I don’t worry.”Tyus Battle and Taurean Thompson impressed quicklyThere was no question as to who the Orange’s biggest offensive threat was Tuesday, let alone the player who made the best impression in their Carrier Dome debut. Battle led Syracuse with 16 points and a 4-for-5 shooting night from 3.He sunk his first collegiate shot from 3 with a clean look at the basket, and continued to deliver as SU climbed back into the game. Thompson, a fellow freshman, logged 15 minutes and chipped in six points. Multiple times Tuesday night he did well to create space under the basket with his 6-foot-10, 225-pound frame.“I think Taurean is more advanced than most freshmen forwards,” Boeheim said. “He’s probably our best mid-post player.” Comments Facebook Twitter Google+last_img read more