1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Trying to keep up with compliance these days can feel as if you might be running in circles, or if you are like me, paying the price in the form of an abundant loss of hair. New rules and requirements continue to be released, seemingly on a weekly basis. While staying current on these new requirements, credit unions also need to be aware of the annual threshold updates to certain regulations.The Consumer Financial Protection Bureau recently published a final rule revising dollar amounts for certain regulations falling under Regulation Z (1) that implement the CARD Act safe-harbor penalty fee amounts, (2) for points and fees related to the Home Ownership and Equity Protection Act (here’s a compliance guide ), and (3) for loan amount, point and fee limits under the ability-to-repay and qualified mortgage provisions of the Dodd-Frank Act.All of these threshold adjustments will be effective Jan. 1, 2017, except the credit card penalty fee amounts. continue reading »
Girls Golf Rocks! That’s the message from a group of girl golfers who want to inspire others to follow them into the sport.Twelve members of the Essex County Girls squad have been trained as leaders and mentors for the project to promote the sport with the help of four local golf clubs.Their message is that golf is a fun and sociable game, with health benefits and a competitive edge – and they want other girls to join in. Their recent photoshoot (image © Leaderboard Photography) for the campaign poster shows that golf can be anything but fuddy-duddy.The Girls Golf Rocks campaign tees off with a big taster session in April at each of the four clubs taking part – Little Channels, Crowlands Heath, Playgolf Colchester and The Rayleigh Club. Three county squad girls will be helping out at each club.Following the taster sessions, when local schoolchildren will be welcomed by the PGA professionals, there will be a four-week structured coaching programme provided by the clubs, with the county girl players mentoring the newcomers.The finale will be a competition on the par three course at Channels GC in May, where new young players will enjoy playing holes with their mentors, benefiting from their experience and encouragement on the course.The project is being led by the Golf Foundation and supported by England Golf and Active Essex.Katie Moggan, Regional Development Officer for the Golf Foundation, said: “The Essex County Girls really do deserve great credit for launching Girls’ Golf Rocks and it is very much their project. As young, athletic players who love this game, and who exhibit a great sense of fun when playing golf, you really couldn’t find better ambassadors for this sport.“In terms of breaking down the barriers for new girl golfers, these county players really ‘get it’. They know how to encourage new players and I am sure they will be excellent mentors for young people coming into these clubs.”The project will be directly linked to the national ‘This Girl Can’ promotional campaign on TV and other media (www.thisgirlcan.co.uk) which aims to inspire more women and girls to enjoy exercise. See more also on Twitter at #thisgirlgolfs.Katie praised Lauren Spray, Women and Girls Participation Manager for England Golf, Helen Tarttelin, Essex County Development Officer, Louella Hitchcock, Essex County Captain, and Wendy Cook, County Junior Girls Organiser for Essex, for their “brilliant work” in the organisation for a project which, if successful, may well be tried in other regions of the country. 23 Mar 2015 Girls Golf Rocks is set to inspire new players
Cleveland Browns outside linebacker Jabaal Sheard tackles Pittsburgh Steelers running back LeGarrette Blount (27) in the fourth quarter of an NFL football game Sunday, Oct. 12, 2014, in Cleveland. The Browns won 31-10. (AP Photo/Tony Dejak)ITTSBURGH (AP) – J.J. Watt isn’t the kind of player to walk into a coach’s office and make demands.The way the Houston Texans defensive end is playing, there’s no need. The ball seems to end up in his hands regardless of where he lines up, whether it’s on the defensive line or during the occasional snap at tight end.“He never lobbies,” coach Bill O’Brien said. “He doesn’t do that. There are other guys that lobby for things, but he’s not a lobbyist.”What Watt is – at the moment anyway – is the most dominant defensive force in the NFL, even if the Texans (3-3) are hardly a finished product heading into Monday night’s game at Pittsburgh (3-3).And for all the ridiculously athletic plays Watt has made over the season’s first six weeks, he’d trade his own burgeoning MVP candidacy for the first significant victory of O’Brien’s tenure.The truth is, for all the fireworks Watt has provided, the Texans have just 10 sacks and are 27th in total defense. That’s not exactly the way to make inroads on Indianapolis in the AFC South.“Obviously up front, we need to get after the passer,” Watt said. “That’s what I can control in my group. We need to get after the passer, we need to be sound in our coverages in what we do and put pressure on guys, and obviously we knock out some of those plays and it’ll be a big help.”Yards haven’t been an issue for the Steelers. Points, however, are another matter entirely. Pittsburgh’s offense sputters to a halt whenever it nears the end zone.The Steelers have only turned seven of their 19 possessions inside the opponent’s 20 into touchdowns, a major reason they have alternated wins and losses despite having what quarterback Ben Roethlisberger described as the franchise’s most explosive attack in his 11-year career.“We’ve got to find a way to score,” left tackle Kelvin Beachum said. “It’s not magic or secret to it. We’ve just got to get it done.”Some things to look for as the Texans try to snap a two-game losing streak and the Steelers attempt to bounce back from a debacle in Cleveland that marked the franchise’s worst loss to its closest rival in 25 years.CLOSE CLOWNEY: Houston’s pass rush might get a needed boost with the possible return of rookie linebacker Jadeveon Clowney, who has missed the past five games with a knee injury. O’Brien said there’s a “50/50” chance Clowney could play, a move that would force the Steelers to shift some of their attention away from Watt.BOUNTIFUL BELL: Pittsburgh second-year running back Le’Veon Bell has blossomed into one of the league’s best all-around backs. He is second in the NFL in yards from scrimmage and is second on the Steelers in receptions (28) behind star wide receiver Antonio Brown. Yet Bell has just one touchdown, a 38-yard sprint against Cleveland in the opener.POOR PRESSURE: While Houston isn’t getting to the quarterback with regularity, at least the Texans are disruptive. That’s not the case in Pittsburgh, which has just nine sacks and allowed unheralded opponents such as Brian Hoyer and Mike Glennon to put up big numbers.Coach Mike Tomlin called out his outside linebackers, saying they need to be more disruptive. Jason Worilds, making more than $9 million this season, has just two sacks.“He’s had some good games and performance in pockets of games, and he’s had some games where he’s been less impactful,” Tomlin said of Worilds. “We’re compensating him to be consistently impactful and that’s what we’re searching for.”FEELING POSSESSED: The Texans know one way to help out their defense is to keep the offense on the field. It’s not happening with any regularity. Houston is 16th in time of possession (29:43) because of some issues on third down.The Texans are converting just 37 percent (28 of 76) of their third downs. Lengthier drives would help keep Watt fresh even if the possessions don’t necessarily result in points.“You always love the explosive plays and I’m not saying we want to avoid those, I’m saying we want to be able to string together some first downs, some good drives, keep the defense off the field and control the tempo,” quarterback Ryan Fitzpatrick said.NO PANIC: A 21-point thumping by the Browns hasn’t set off alarms with the Steelers.“There’s no time to panic,” Roethlisberger said Wednesday. “You guys are waiting for us to panic. We’re not panicking.”___Online: http://pro32.ap.org/poll and http://twitter.com/AP_NFL
The Beautiful Game kicked off its World Cup Championship Thursday in Brazil, and while most of the public was at work, a few interested fans were locked in front of the television cheering on their favourite team.On opening day it was the Faraguna house in Nelson that was decked out in the Croatian colours as Guido and Boris Faraguna got together to support their homeland. Unfortunately a questionable penalty call ruined the day for Croatia, losers 3-1 to host Brazil.Action continues today with three games.At 9 a.m. Mexico battles Cameroon; at noon defending champion Spain takes on Netherland before Chile and Australia meet at 3 p.m.All games are on CBC Television.
Good news race fans! Whether you’re into Marvel Comics or secret-agent shows, see one of our favorite spy track down a suspect at The Great Race Place.Can you see Santa Anita Park in the below promo?Courtesy of the Los Angeles Magazine