No cookiecutter solution to Canadian rental affordability economist

first_imgVANCOUVER (NEWS 1130) – There’s no nation-wide rental housing affordability crisis, according to economists at the University of Calgary, who say Ottawa should drop the one-size-fits-all approach to the issue and opt for tailored solutions.Looking at rental housing data from the Canadian Mortage and Housing Corporation, Professor Ron Kneebone says Canada’s housing market varies per region and affordability issues are hitting western Canada and Ontario much harder than Quebec and the Maritimes.“If it’s east of Toronto, there really is no affordable housing crisis and the government shouldn’t be wasting money on providing income or housing supports in province’s like Quebec of the Atlantic provinces. They should dedicate all that money in Ontario and out west,” economics professor Ron Kneebone said.In Vancouver, the average monthly rent for a one-bedroom apartment in October 2017 was $1,223, the highest in Canada, compared to the lowest of $623 in Saint John, NFL. The report, with the exception of Halifax, shows a large difference between eastern and western Canada.Failed to fetchThe data, according to the report, shows people typically pay higher rents in more densely populated cities, with the exception of Montreal.“There’s a cultural norm in Quebec that renting is not viewed as something usual, whereas in other parts of the country, a lot of families aspire to having a house in the suburbs. Quebec also has a pretty stringent rent control system in place that keeps housing costs down,” he said adding Quebec also increases its social support payments to keep up with rental costs.Quebec also received $11.732 billion in equalization payments in 2017.“The government will have a certain limited amount of money to invest in this problem and if they are using it to deal with housing affordability in Quebec and the Atlantic Provinces, then they are just wasting money,” he said.Although the report does not make specific policy suggestions or say whether the federal government should act at all, Kneebone says if Ottawa wants to put tax money towards housing, it should focus on rental prices and availability in affected areas.Federal government won’t play favourites with affordable housingOttawa won’t be leaving any provinces out of its housing strategy. That’s coming from the federal social services minister, in response to the report.Jean-Yves Duclos said Ottawa’s policies and funding won’t ignore parts of the country. “It’s true that the context is different, but the needs are found everywhere.”“We need to partner with local organizations, municipalities and provinces to make those investments as effective as they can be. If we look at the national housing strategy, how it works — that’s exactly what it does. It aligns the investments with the specific conditions and needs of communities.He said policies will still have some flexibility depending on where they are applied.last_img read more

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Documentary filmmakers apply for Inspirits 25K Doc Impact Fund

first_imgAdvertisement Facebook Advertisement Advertisement Login/Register With: Twitter LEAVE A REPLY Cancel replyLog in to leave a comment Inspirit’s Doc Impact Fund supports social issue documentary film outreach and engagement campaigns that aim to build inclusion and pluralism in Canada and address issues of racial, ethnic or religious discrimination.This year Inspirit is supporting four Canadian documentary film campaigns that aim to raise awareness about pressing issues related to ethnic, racial or religious discrimination in Canada, build understanding of underrepresented perspectives and catalyze action to build inclusion.This program is open to independent Canadian filmmakers and producers who have a recently completed film (short, feature or virtual reality/interactive) and aim to leverage their film to achieve a social change goal related to reconciliation, Islamophobia or other forms of discrimination based on race, religion or ethnicity. Special consideration will be given to Indigenous or Muslim-led projects that seek to advance reconciliation or address Islamophobia in Canada. Selected projects will be awarded $25K.Deadline for applications is June 25, 2018. Find out more about the program and apply.last_img read more

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Rabat to Host the 6th Annual Forum for the Development of

Rabat – From October 27-31, 2015, Rabat will host the 6th annual forum for the development of North Africa.It will be themed “North Africa and Continental Free Trade Agreements,” according to the Economic Commission for Africa (ECA).Held by the ECA and the World Trade Organization (WTO) Chair at Mohammed V University, this international meeting aims to encourage the acceleration of trade transactions between the countries of North Africa, but also between North Africa and the rest of the continent. The Forum’s agenda includes an international seminar entitled, “20 years of the WTO: The Integration of Africa and Mega-Regional Trade Agreements.”At this meeting, African and Mediterranean researchers will exchange their experiences and knowledge on free trade agreements and the potential for an African continental free trade area. read more

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Contact Center More Options More Complexity More Confusion

The Good – More OptionsThe good news is the vendor variety and the fierce competition has: See All in Contact Center & Customer Experience » What’s Trending in CX Today Blair Pleasant September 17, 2019 Organizations that truly care about customer service start with a understanding of what digital consumers really want. In the early 1990s more telecommunications vendors began to add ACD applications to their existing portfolio, and vendors of the standalone applications (outbound dialing, quality monitoring, workforce management, computer telephony integration, and IVR) began to integrate to the systems of the smaller markets. ACD feature functionality expanded – skills-based routing, messaging options based on various parameters, etc. — and networked/multi-site contact centers sprouted, along with more self-service options through IVRs. These changes and the increased offerings by more vendors brought down costs, therefore, SMB organizations could afford to implement contact center technologies. Moving Beyond CallingThe 2000s brought about different channels of communication – email, SMS, chat, and social media interactions — and the transition from TDM to VoIP and now SIP. With more than just voice as a communication channel with customers, the call center became the contact center. The adoption of IP also assisted the proliferation of contact centers around the globe. This also brought in the move to sending contacts off shore to outsourced contact centers, also referred to as BPOs. In the 2010s, with AWS coming on strong, the option to have a cloud application or a mixture of cloud and premise solutions for just about any application – contact routing, IVR, QA, WFM, knowledge management, reporting/analytics (speech, text), and data storage — proliferated. Cloud applications provide organizations with the ability to add contact center technology without a huge capital investment. The benefit of cloud computing cannot be ignored, however, long-term the cost differentiation of premises versus cloud is often not that great. AI requires a lot of forethought, planning, and IT resources, along with good technology to even begin to make it happen and be successful for an engaging customer experience. It will require substantial financial undertaking and patience. However, AI soon will be as commonplace and applications will be readily available – just not right now. Log in or register to post comments Options & Complexity: We Have Come A Long WayI have only highlighted the bare-bone changes that our industry has experienced; many articles have been written and even books on the topic of contact center technology. The changes I have seen in the last 30 years are phenomenal, and each year there is more to embrace. The industry is proliferated with technology and vendor options, and that is good in many ways for customers. But it also comes with a fair share of challenges. Let’s look at the good, the bad, and the reality of contact center technologies. I enjoy reminiscing on my early career days and marvelling at how the world of contact centers has evolved over the years. In the 1990s, I was working for a major vendor of enterprise communications in Maidenhead, U.K., instructing our European partners on how to install and program automated call distribution (ACD) software. It was an integrated ACD, meaning ACD was part of the software purchased along with the base telephony business user software. Initially the ACD had just four basic historical reports for the call center and limited real-time information, only two types of overflow and messages while queueing, the printer was attached to the PBX, and we had to set baud rate settings on the four port I/O card! Decoding Dialogflow: Enabling Voice Brent Kelly September 16, 2019 The seventh in a multi-article series focusing on building intelligent bots using Google Dialogflow and Contact Center AI The Challenges – More Complexity, More ConfusionThe challenge with having so many vendors — and a new one is popping up continually — is that the time to fully investigate solutions is limited, leaving little to no time to separate the sales and marketing hype from the reality. There is always another shiny object that takes our attention away from some of the basic processes and technologies organizations should employ first. If you haven’t yet registered for Enterprise Connect, taking place March 18 to 21 in Orlando, Fla., you still have time! Register now with code NJPOSTS to save $200 off your pass! contactcenter_agent_774.png Natural Language Processing and Understanding: The ability of computers to understand and process human speech more quickly and accurately; the ability to have open ended questions in an IVR can lessen frustration of endless steps in menusData Mining and Pattern Recognition: The process of discovering patterns in large data sets involving methods at the intersection of machine learning, statistics, and database systems.Machine Learning: The ability of computers to learn without being explicitly programmed. These challenges won’t go away. Most good vendor partners are willing to take the time to demo their products to enterprises, answer questions, and possibly even allow trials. Of course, it all comes down to asking the right questions, and often a qualified consultant can be a smart investment to help your enterprise get to the bottom of things and better ensure a successful implementation. In many ways this has always been the case, yet with so many more options to choose from, the information and number of customers actually employing their wares can be limited. Furthermore, if one has done their due diligence in investigating a vendor six months ago, that information is now old. Another challenge is finding out which vendors are actually just white labeling another vendor’s product or products. This is primarily true for a lot of the large ‘telco’ type vendors, however, even that is now changing. In the ‘80s there were more “advanced” ACD systems – often standalone ACDs, with IVRs, computer telephony integration, and outbound dialers. However, most of those systems were only available for the large organizations who could afford it – telcos, airlines, and large hotel chains. One cannot forget the multi-channel and omni-channel terminology. I consider integrated multi-channel to be systems that have one main routing and reporting engine for all modes of customer interaction – voice, text, email, SMS, web chat, video, fax, and social media interactions. There are multi-channel contact centers; however, they have one vendor supporting the chat and email, while another supports the voice. They are not integrated; the one system doesn’t know the status of an agent when they are on another system’s contact, and the reporting is not integrated and often not consistent. Today most vendors are still trying to catch up on the integrated multi-channel environment. The Challenges:So many vendors to choose from, a new one every dayInformation on the vendor is quickly old/outdatedDifficult to keep up on the vendor portfolio and latest offeringsWhose product is it really? (white labeling)Shiny new objects provide distractionsAcquisitions continue to upset the market With so many options and vendors, I find organizations often confused and not willing to invest the time, effort, and overall due diligence in choosing the technologies that will best fit their business requirements. This can only be discovered through a thorough investigation of where the organization is currently in the contact center technology adoption cycle, what features and functionalities utilized today that it wants to keep, and what are its business goals for the future – looking one, three, and five years out and itemizing that list. Cisco Touts Webex Contact Center-Calling Integration Beth Schultz September 23, 2019 Company talks up other enhancements to cloud platform, as contact center partners make service news of their own. Join me at Enterprise Connect next week, where I’ll be discussing this topic in greater depth alongside my co-panelists in the session, “Cloud Contact Center After the Sale: The Good, the Bad, the Reality,” taking place on Wednesday, March 20 at 8:00 a.m. in room Sun B. Hope to see you there! Enter AIAnd the latest in vogue topic in contact center technology is chatbots and artificial intelligence. When chatbots are implemented properly, the technology adds value through self-service options to customers and can save organizations valuable human time and money. Chatbots can be implemented to assist with FAQs on the website. Currently most bots follow a set of rules programmed by a human via a bot-building platform. It’s as simple as ordering a list of if-then statements and writing canned responses, and it often doesn’t require even knowing a line of code. The more advanced chatbots are being coupled with AI to handle more complex interactions and tasks. sctcperspective_Small.png Yet another challenge presents itself in scenarios where a vendor acquires another and winds up with duplicate portfolios or competing platforms. Even if some elements are complementary, it still leaves enterprises wondering what’s going to happen with solutions they already have in place. How can that vendor continue to support both products and hope to stay competitive? How will that vendor bring the new solution into its fold of applications, and will that result in changes that impact the enterprise?This has been experienced when Avaya acquired the Nortel enterprise communications systems – the entire portfolio was a duplicate. In the more recent Mitel and Shortel merger, there was duplication of product portfolios, however, Shoretel was offering a cloud contact center prior to Mitel, yet they also had competing platforms. Customers were wondering how long the Shoretel product would be maintained or even continue. Artificial Intelligence is in its infancy and we are just on the cusp of using AI in the contact center; it’s not one technology, but rather a mixture of technologies that work together: Why You Need to Care About CX of Connected Consumers Blair Pleasant September 30, 2019 Today, enterprises are distinguishing themselves with personal, robust customer experiences. But can it be too much? How to Plan a Smooth Contact Center Cloud Migration Elizabeth Magill September 24, 2019 A strategic migration plan must answer three important questions. Omni-channel is the next step; in brief, it is the ability to move from one channel of communication to another without losing the context of the communication. For example, the agent and customer may be communicating through web chat and then one may decide to initiate a voice communication with a simple “click to connect” icon. Another omni-channel experience would consist of a voice call coming in to an agent and they will be able to see the ways in which the customer has interacted with the organization in the past – web search, an email, previous voice calls, social media, web chat history and so forth. What is displayed to the agent or how the customer contact is handled is dependent on what the organization deems vital for creating a good customer experience. Often without this investigative work the organization finds itself disappointed and not prepared for what was purchased and approved. I often say to customers I work with: “All vendor technologies have warts; we will choose the one(s) that has less warts.” Those “warts” can only be found out by doing research and a proper RFI and/or RFQ. Brought the pricing down (and many businesses prefer the cloud opex to capex financing model)Increased selection of vendors to review for desired feature functionalitySped up the development for new and improved featuresCreated even more of a demand for open architecture and APIs for in-house or external developers to make systems specific for the business user Lower costs and increased availability, paired with the shift away from viewing the call center as merely a telemarketing engine, caused call centers/customer service centers to really take off. Call centers sprouted up in all sorts of businesses from pharmacies, doctors’ offices, nursing triage and assistance, service desks, banking, insurance, online dating, organ donations, ticket sales, 911, 311 – virtually every industry now has a call center. “SCTC Perspectives” is written by members of the Society of Communications Technology Consultants, an international organization of independent information and communications technology professionals serving clients in all business sectors and government worldwide.Tags:News & ViewsACDIVRmulti-channelomni-channeladoption cycleContact Center & Customer ExperienceAI & AutomationCCaaSCPaaSTechnology Trends Articles You Might Like read more

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First BlackBerry phones of 2012 will be able to unlock doors

first_imgEver heard of Assa Abloy? Probably not, but if you work or live in a building that has those tap-your-card-to-open door locks, you’re familiar with what they do. And starting in 2012, they’ll be doing what they do inside BlackBerry phones.I admit that I thought this idea was rather silly at first. RIM continues to struggle to remain relevant and win over consumers, and it’s even having a tough time in enterprise settings — where it once dominated the market. And yet while other manufacturers like HTC and Asus are busy churning out innovations like quad core phones and tablets, RIM figures turning the upcoming BlackBerrys into digital keys is something that will win customers over?Actually, it just might.Think about how the current cards work. You tap it on the pad, and the door unlocks. That’s where the security ends. A stolen wallet then becomes a map to your home or office and the keys to enter it. Hopefully you’re able to get ahold of the folks in charge and they can disable your card if used to perpetrate something so nefarious, but it could happen. With an Assa Abloy enabled BlackBerry, that’s no longer a problem.You’ll be able to set a PIN on your phone, and that two-factor authentication will be enough to stop would-be intruders. Unless, of course, you’ve done something silly like save your PIN in a note on your handset.But wait…couldn’t NFC-equipped door systems make this possible with any smartphone? Yes, but that would require expensive retrofitting — and property managers and owners might not be keen on replacing their existing systems if they’re working fine as-is. The Assa Abloy enabled Bold 9900 and 9930, and Curve 9350 and 9360 will be legacy-friendly and won’t require any such building upgrades.This is certainly one way RIM can make its phones stand out, and even if it’s not the kind of feature that wins over consumers it will certainly warrant closer examination of the 2012 BlackBerry range by enterprise administrators and those who manage facilities where security and access is a top concern — like hospitals, museums, and government facilities.Even if RIM falls behind with the average Joe, multi-handset rollouts in business settings could offer plenty of profit and help stabilize the Canadian company’s future.More at The Globe and Maillast_img read more

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Stem Cells May Functionally Cure Type 1 Diabetes

first_img Watch: Dolphin Leaps Feet Away From Unsuspecting SurferNASA Says 2 Asteroids Will Safely Fly By Earth This Weekend Stay on target Living with type 1 diabetes can be really rough. There’s a lot of injections and that you have to keep up with and even then, heart health, cardiovascular, and brain health can take some big hits. Some choose to use an insulin pump, but even that has its issues. The disorder affects the immune system, causing it to recognize the cells that make insulin and attacks them. One medical device company, Viacyte, is hoping that they’ve got a device that can protect a special crop of stem cells so that they can live inside the body and produce enough insulin to mostly cure the condition.About the size of a credit-card, the PEC-Direct contain cells that will respond to rises in blood sugar and begin producing their own insulin, just as the body would on its own. The auto-immune issue is still there, but the device can keep the cells alive long enough to be a cure in all but name.“If it works, we would call it a functional cure,” Viacyte representative, Paul Laikind, told New Scientist. “It’s not truly a cure because we wouldn’t address the autoimmune cause of the disease, but we would be replacing the missing cells.”PEC-Direct allows blood vessels to grow into the device itself, allowing the body to feed the stem cells. After three months, they will become islet cells — the kind that monitor the body’s blood sugar and produce and release insulin to compensate. A special fabric helps foster that growth, but patients would still need to take steroids or other immunosuppressing drugs to keep their immune systems from wiping out the freshly-hated insulin-makers.Earlier studies have shown that the device really works — safeguarding the newly implanted stem cells long enough for them to mature, but the trial didn’t use enough of them to actually have medically significant effects.Last week Viacyte gave the implant to two patients with type 1 diabetes, and if all goes well, in a few months, they basically won’t have to worry about their blood sugar for the rest of their lives. The immune-suppressing drugs will still be a factor and could increase the likelihood of contracting many communicable diseases, but the worst of it — including long-term brain damage, possible amputations, etc. — wouldn’t be an issue.If this trial works, then we may be able to “cure” it for all 42 million people with the condition in relatively short order. Pancreatic transplants can already cure the condition, but there are far, far fewer donors than needed. Stem cells can be cloned essentially forever, meaning that we could easily create a batch that could be cultured and implanted, freeing millions from injections and finicky or cumbersome pumps.“A limitless source of human, insulin-producing cells would be a major step forward on the journey to a… cure for diabetes,” University of Alberta professor and Viacyte collaborator James Shapiro told New Scientist. “For sure, this will, in the end, prove to be a durable landmark for progress in diabetes care.”Let us know what you like about Geek by taking our survey.last_img read more

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Waddling ducks help cause freeway crash

first_imgTwo people were injured in an Interstate 5 crash Sunday evening about three miles south of Ridgefield.Erin Goodrich, 48, of Ridgefield was driving a 2001 Dodge Durango SUV north on the highway when she slowed for ducks on the roadway, according to Washington State Patrol.Jesus Jacquez, 30, of Vancouver was also driving north on I-5 in a 2005 Honda Civic when he crashed into the Durango, state patrol reported.Both Jacquez and Goodrich were taken to area hospitals where they were treated and released.Troopers said that the crash was caused by Jacquez following too closely, but that charges in the investigation were still pending further investigation.last_img read more

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Sick out at NHIP today

first_img N.H.I.P forced to close it’s doors after staff staged major ‘sickout’ Recommended for you Related Items:appearant sick out at nhip, no employees showed up to work at nhip today, sick out at nhip Facebook Twitter Google+LinkedInPinterestWhatsApp Facebook Twitter Google+LinkedInPinterestWhatsAppProvidenciales, TCI, September 21, 2016 – there is a reported ‘sick out’ at NHIP and according to a media statement it is so severe, it has forced the office to be closed to the public.  There is assurance that emergencies will be handled and that staff will be contacted directly to ascertain why they did not turn up for work today.Magnetic Media is told that the sick out is a quiet protest related to delays in a salary increase and staff resistance to the goal posts shifting when it comes to who and how one is qualified to get the raise.  An emergency meeting of the Executives of the NHIP Board is set for 11 a.m; more details will come after, the release says.It is reported that nearly all staff at the NHIP, which manages the country’s social health care plan, are out sick today.last_img read more

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Censky Testifies at Senate Ag Confirmation Hearing

first_imgASA CEO Steve Censky speaks during his confirmation hearing before the Senate Ag Committee.American Soybean Association (ASA) CEO Steve Censky testified before the Senate Agriculture Committee in Washington Tuesday as part of the confirmation process for his nomination to serve as Deputy Secretary at the U.S. Department of Agriculture (USDA). Nominated by President Donald Trump, Censky fielded questions from the committee on his priorities if confirmed, and the manner in which he would approach representing farmers across the country. Censky, who testified alongside Indiana Agriculture Director and Under Secretary for Trade and Foreign Agricultural Affairs nominee Ted McKinney, spoke to the need for focus from USDA on critical issues, like the expansion of trade agreements to benefit U.S. agricultural exports, the importance of crop insurance to farmers, and the impacts of climate change on farming operations. Censky and McKinney’s nominations now await a vote in committee, and if passed will go before the full Senate in the coming weeks.last_img read more

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6yrold girl raped 50yrold man arrested

first_img.Police in a drive arrested a man from Kamaldia village in Faridpur’s Madhukhali upazila on Friday allegedly for raping a minor girl, reports UNB.The arrestee was Hakim Biswas, 50, of Brahmankanda village in the upazila.Quoting locals, sub-inspector Md Saiful Alam of Madhukhali police station said the girl’s mother went outside on Thursday afternoon keeping her at home.Hakim entered the house and found the girl taking water from a tube-well around 3:30pm. Later, he forcibly took the girl to a nearby bathroom and raped her there.The victim was taken to the one-stop-crisis centre of Faridpur Medical College Hospital, the SI said.On information, police arrested Hakim and sent him to jail through a court, he said.last_img read more

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Texas Military Bases Considered For Housing Migrant Children

first_img 00:00 /06:12 To embed this piece of audio in your site, please use this code: The Trump administration is considering building tent cities at some Texas military bases to house the increasing number of unaccompanied migrant children coming through the border.The Department of Health and Human Services’s Office of Refugee Resettlement is responsible for the care of thousands of migrant children held without an adult. But shelters for these children are running out.To learn more about why the U.S. is considering military bases to house these children, Houston Matters host Craig Cohen talks with Franco Ordonez, White House correspondent for McClatchy who first broke the story. Listencenter_img Ross D. Franklin/AP PhotoDetainees sleep and watch television in a holding cell where hundreds of mostly Central American immigrant children are being processed and held at the U.S. Customs and Border Protection Nogales Placement Center in Nogales, Ariz. in this June 18, 2014, file photo. X Sharelast_img read more

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The AFRO and Morgan State Announce Research Partnership

first_imgDr. David Wilson with the members of the Quarles Institute Committee and members of the College Of Liberal Arts.The AFRO-American and Morgan State University announced a partnership on Aug. 11. Morgan State received a grant of $500,000 from The Andrew W. Mellon Foundation to help establish the Benjamin A. Quarles Humanities and Social Sciences Institute with Morgan’s College of Liberal Arts. The goal of the Institute is to raise awareness among undergraduate and graduate students of the peoples of the African Diaspora and how they intersect with the global community. Part of that will include scholars from the Institute using the archives of The AFRO-American to complete their research.last_img read more

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Cardinals Beat Ball State in First of Two Matches

first_img Preview Match Notes: Order of finish: Doubles (3,2,1); Singles (6,2,1,3,4,5) Print Friendly Version Live Stats Matchup History Louisville hosts Northern Kentucky at 5 p.m. at the Bass-Rudd Tennis Center. Next Match: NORTHERN KENTUCKY 1/25/2019 | 5:00 p.m. Continuing into singles, Louisville dominated the first four singles matchups to clinch the match. Dina Chaika beat Lilya Hadab 6-4, 6-2 at No. 6, followed by Raven Neely defeating Audrey Berger at No. 2, 7-5, 6-4. At No. 1, Aleksandra Mally overtook Sarah Swiderski, 6-2, 6-2 while Nikolina Jovic took the win over Rebecca Herrington 6-2, 6-4 at No. 3. Doubles competition 1. Sena Suswam/Raven Neely (LOU) def. Audrey Berger/Rebecca Herrington (BSU) 6-42. Peyton Golhofer/Isabelle Dohanics (BSU) def. Nikolina Jovic/Dina Chaika (LOU) 6-33. Diana Wong/Aleksandra Mally (LOU) def. Sarah Swiderski/Victoria Sec (BSU) 6-0 Louisville 6, Ball State 1 Full Schedule Roster center_img The Cardinals took the doubles point to open the match. Diana Wong and Aleksandra Mally rolled over Sarah Swiderski and Victoria Sec, 6-0 at No. 3 while Sena Suswam and Raven Neely defeated Audrey Berger and Rebecca Herrington 6-4 at No. 1 to clinch the doubles point. Nikolina Jovic and Dina Chaika fell to Peyton Golhofer and Isabelle Dohanics at No. 2, 6-3. Singles competition 1. Aleksandra Mally (LOU) def. Sarah Swiderski (BSU) 6-2, 6-22. Raven Neely (LOU) def. Audrey Berger (BSU) 6-4, 7-53. Nikolina Jovic (LOU) def. Rebecca Herrington (BSU) 6-2, 6-44. Peyton Golhofer (BSU) def. Diana Wong (LOU) 6-4, 6-35. Chloe Hamlin (LOU) def. Isabelle Dohanics (BSU) 4-6, 7-5, 10-66. Dina Chaika (LOU) def. Lilya Hadab (BSU) 6-4, 6-2 Tennis Match ResultsBall State vs LouisvilleJan 25, 2019 at Louisville, Ky.(Bass-Rudd Tennis Center) Photo Gallery At No. 5, Chloe Hamlin overcame a first set loss to defeat Isabelle Dohanics, 4-6, 7-5, 10-6 and clinch the sixth point for Louisville. Diana Wong was unable to overcome early leads from Peyton Golhofer and fell at No. 4 6-4, 6-3. LOUISVILLE, Ky. – The University of Louisville women’s tennis team opened their Friday double-header with a 5-2 win over Ball State. Story Linkslast_img read more

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State authority in India to subsidise sex change operations

first_imgState authority in India to subsidize gender confirmation surgeriesLGBT Witch-hunt: North Carolina no longer welcomes transgender travelers and residentsIndia’s transgender population still at risk after gay sex decriminalizedRead the full article on Gaystarnews:  : The government in a southern state of India have pledged financial assistance for members of the transgender community seeking sex reassignment surgeries.Transgender rights activists have welcomed the move, and urged the Indian government to ‘learn a lesson’ from Kerala, Reuters reported.The authorities in Kerala, a wealthy state on India’s south-west coast, said local hijras would be able to claim 200,000 rupees ($3000) to help fund surgery.Jaffar Malik, director of the state’s social justice department, said ‘If more money is required, it will be made available.Transgender rights activist, Maya Urmi Aher, praised the move. ‘Being a community that is so stigmatized and discriminated against, most do not have an education or jobs, meaning they do not have much money,’ she said.Chronic abuse and discrimination in IndiaIndia’s government estimates there are around 25,000 transgender people in Kerala. It was also understood that 80 percent of them would choose to undergo sexual reassignment surgery, but are unable to due to financial constraints. It is estimated that India’s transgender population is over two million people, who are also often known as hijras.There have been increasing rights and recognition of India’s hijras.India’s supreme court gave legal status to a third gender in 2014, allowing India’s transgender community the option to have a third gender on ID cards and tax forms, to marry and inherit property.Last month, the authorities in Kerala announced that colleges and universities would have to allot two additional seats for transgender students.However, India’s transgender community still face widespread social stigma and chronic discrimination. Many still live on the margins of Indian society.Hijras are often the victims of abuse from both the public and the authorities, and struggle to find jobs. They often resort to sex work to support themselves. Without sufficient support, they are left vulnerable to abuse and health risks like contracting HIV.Got a news tip? Want to share your story? Email us . Photo by Shubham MehrotraMembers of transgender community, also known as hijras, are amongst the most marginalized in India. eTN Chatroom for Readers (join us) Share this:TwitterFacebookLike this:Like Loading… GAYSTARNEWS-last_img read more

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Trains diverted due to damaged overhead wires

first_imgGet the biggest Daily stories by emailSubscribeSee our privacy noticeThank you for subscribingSee our privacy noticeCould not subscribe, try again laterInvalid EmailRail users are facing delays in Cheshire because of damage to the overhead electric wires. Passengers travelling between Crewe and Wilmslow using the Arriva Trains Wales, Northern, Virgin, and CrossCountry services could have to divert through Stoke-on-Trent. While some passengers will be diverted other services may just be cancelled entirely or replacement buses could be offered. A National Rail spokesman said: “Damage to the overhead electric wires between Chelford and Crewe is causing disruption to trains running between Wilmslow and Crewe. “Arriva Trains Wales services will be diverted or not operate between Crewe and Manchester Piccadilly. Read MoreFirefighters tackle blaze in outhouse “Virgin Trains services will be diverted via Stoke-on-Trent where possible and not call at Wilmslow and Crewe. “Northern services will not run between Alderley Edge and Crewe. Road transport is being arranged to run between these stations.” Read MoreOne person trapped and major roundabout ‘partially closed’ due to overturned vehicle Get all the big headlines, pictures, analysis, opinion and video on the stories that matter to you. Follow us on Twitter @SOTLive – the official Sentinel account – real news in real time. We’re also on Facebook – your must-see news, features, videos and pictures throughout Stoke-on-Trent, North Staffordshire & South Cheshire. You’ll also find us on Instagram here .last_img read more

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Get Ready TRID Could Become Less of a Burden Soon

first_imgGet Ready, TRID Could Become Less of a Burden Soon Consumer Financial Protection Bureau (CFPB) Director Richard Cordray has written a letter to the financial industry trades and their members recognizing the “operational challenges” the industry is experiencing as a result of the Bureau’s TILA-RESPA Integrated Disclosure (TRID) rule implemented last October.With that in mind, Cordray said in his letter that the Bureau is considering making some “adjustments” in the regulation text to provide greater certainty and clarity.Since TRID, also called the “Know Before You Owe” rule, was implemented on October 3, and even for months prior, many in the mortgage industry have complained of the complexity of implementing the rule and the difficulty of complying, despite the rule’s goal of making it easier on all parties involved to close a mortgage loan.“We recognize that many of implementation of the Know Before You Owe rule poses many operational challenges,” Cordray wrote. “We also recognize that implementation is particularly challenging because of the diversity of participants, from small to large financial institutions, mortgage brokers, real estate brokers, and title companies, through warehouse lenders, investors, due diligence firms, and ratings agencies, whose perspectives may vary as to what compliance under the rule requires.”Recognizing that many in the industry are struggling with implementing and complying with TRID, Cordray said the CFPB provides informal guidance on how to implement and comply with TRID which comes in the form of a Regulatory Implementation webpage. At the same time, he said the Bureau believes that “there are places in the regulation text and commentary where adjustments would be useful for greater certainty and clarity.”“We recognize that many of implementation of the Know Before You Owe rule poses many operational challenges.”Richard Cordray, CFPB DirectorTherefore, Cordray wrote in the letter, the CFPB is currently in the process of drafting a Notice of Proposed Rulemaking (NPRM) on the Know Before You Owe rule. Cordray said the CFPB hopes to issue the NPRM in late July, at which time the Bureau will accept public comments on it.“We will continue to work with industry, consumers, and other stakeholders to support a smooth transition for the mortgage market,” Cordray wrote. “As we do so, we and other regulators are all agreed that our oversight of the implementation of the Know Before You Owe mortgage disclosure rule in the months ahead will continue to be sensitive to the progress made by those entities that have squarely focused on making good faith efforts to come into compliance with the rule.”Click here to view a copy of Cordray’s letter. CFPB Consumer Financial Protection Bureau TILA-RESPA Integrated Disclosure TRID 2016-04-28 Seth Welborn Sharecenter_img in Daily Dose, Government, Headlines, News April 28, 2016 488 Views last_img read more

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MeravigliaMSC Cruises

first_imgMeravigliaMSC Cruises Silver Screen legend, Sophia Loren, cut the ribbon and named MSC Meraviglia, to a time-honoured crescendo of the smashing of champagne on the name and fireworks, at the ship’s christening in Le Havre on Saturday 3 June.The newest addition to the MSC Cruises fleet, MSC Meraviglia is the first of 11 new MSC Cruises ships due to come into service over the next 10 years under an industry-unprecedented €9 billion investment plan.Godmother Sophia Loren cuts the ribbon with MSC Group Executive Chairman Gianluigi Aponte“We have an ambitious vision for the future and MSC Meraviglia marks the start of the second phase of growth for our Company,” said Pierfrancesco Vago, MSC Cruises’ Executive Chairman. “For this reason, the christening is an extremely proud moment for all of us at MSC Cruises as we see the first of our next-generation ships being named.” “The new ships that will come into service over the coming ten years are purpose-built connected ships, featuring innovation in both product and design, as well as the very latest-cutting edge technology to create unforgettable holiday experiences at sea for guests of all ages. MSC Meraviglia is the first to make this vision come to life, as it sets a new standard for cruise ships as a destination in itself.”MSC Meraviglia is now on her maiden voyage from Le Havre to Genoa where she will cruise continuously around the Western Mediterranean for seven nights visiting Civitavecchia, Palermo, Valletta, Barcelona, and Marseille. last_img read more

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Doctors ready to discuss Gesy but want conditions satisfied

first_imgThe Cyprus Medical Association (CyMA) is ready to discuss the implementation of the national health scheme (Gesy) along the lines of the prerequisites set by the association’s general assembly last October, its members agreed during a meeting on Tuesday.Members of the association’s medical board (SIS) unanimously agreed that they would continue to stand by their position in favour of Gesy but would also continue to defend their demands, the association’s spokesperson, Vasos Economou, told the Cyprus News Agency on Wednesday.The demands made by CyMA following an extraordinary general assembly in October last year involve allowing private doctors within Gesy to practice outside the system; increasing the Gesy budget; full administrative and financial autonomy of state hospitals before Gesy is implemented; a guaranteed unit price for specialist doctors involved in outpatient care; and inpatient fees per medical procedure.Concessions have so far been made for most demands, though the issue of private practice within the system remains a bone of contention between the association and the state.“We had the following options before us: we could have either followed the order of the general assembly which is the highest body of the medical board, or to hand in our resignations and assign the task of Gesy negotiations to other persons,” Economou said.He added that “we are not striving to be infallible, but based on our experiences, as all board members have been practicing for some decades, we have encountered various grey zones, weaknesses, gaps, and this does not only concern the earnings of doctors.”What doctors will earn in Gesy is a matter that both the political leadership and each doctor that is considering joining the scheme is looking into, Economou said, noting that every worker with a contract knows his earnings, labour conditions, rights, and duties.Beyond this, Economou asserted that the association’s positions have been set years ago and believes that not implementing them would create conditions for Gesy’s failure.The goal is not Gesy’s implementation, Economou said, but its success, as a possible failure could leave the public in a wretched position.Health Minister Constantinos Ioannou said Tuesday that some members of the medical association’s leadership do not want the implementation of Gesy for personal reasons as a prominent member of CyMA resigned, accusing some of his colleagues of being manipulated by big interests.Paediatrician Alkis Papadouris resigned on Tuesday from SIS, claiming its leadership was fully controlled by the association of private doctors (Enik).Papadouris’ resignation was discussed in SIS’ meeting later on Tuesday, Economou said.The board will move forward by calling on Papadouris to substantiate his claims, Economou said, noting that while SIS has the right to remove a member from the board if they do not participate in three consecutive meetings, Papadouris was not removed but chose to remove himself.Responding to the claim that the association’s leadership is deterring its members from participating in Gesy, Economou asked the public to consider whether the board is such a staunch negotiator to be able to persuade all medical societies against participating, and even on a personal level to persuade some doctors, particularly paediatricians, to collect signatures opposing their participation.He called on the political leadership to think about what the doctors are reacting to, and whether certain improvements to the scheme are necessary, noting that “just because the legislation was passed unanimously by parliament does not mean it can be saved.”SIS representatives will on Thursday will be meeting with the political leadership, and an additional meeting will be scheduled with the Health Insurance Organisation (HIO) in the coming days.“Despite our disagreements we are not opponents or enemies,” Economou said, adding that the meetings must move forward quickly “as we will soon begin receiving payments from the public which has yet to be informed what Gesy is, what they are entitled to, and who have been led to believe that with Gesy’s implementation everything will be great.” You May LikeLivestlyChip And Joanna’s $18M Mansion Is Perfect, But It’s The Backyard Everyone Is Talking AboutLivestlyUndoPopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndoYahoo SearchYou’ve Never Seen Luxury Like This On A Cruise Ship. Search Luxury Mediterranean CruisesYahoo SearchUndo Pensioner dies after crash on Paphos-Polis roadUndoCruise passenger airlifted to Paphos hospitalUndoRemand for pair in alleged property fraud (Updated)Undoby Taboolaby Taboolalast_img read more

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RNC Chair Reince Pr

RNC Chair Reince Priebus effusively praised Romney in his introduction.

Provided by Julie Gilmore, but to several dozen much less visible senior administrators within those departments and independent agencies. In case of a tie,上海龙凤论坛Jaylah, He said herdsmen had been destroying his plantations in the last 10 years." said the newly-released portion of the report, "Looking back is useless,上海419论坛Tavis, with about 350 million on Facebook, Noennig then turned left in front of the pickup truck, It was scary and spontaneous and it was just awesome. claims she was possessed by the spirit of her dead brother who was violently killed in March.

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The presumptive Republican presidential nominee criticized President Barack Obama for "disgracefully" refusing to say the words "radical Islam" while addressing the nation on the massacre at the popular Pulse Orlando gay nightclub that left 50 dead and another 53 wounded. N.Contrary to claims by the Nigerian National Petroleum Corporation Peña Nieto has seen his popularity plummet amid corruption scandals,娱乐地图Ahoo, donating 10 percent of her profits to the charity. read more

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at the ATP Finals i

at the ATP Finals in an absorbing three-setter on Tuesday. according to the Carter Center.1 billion,5 B 44 Google United States 14 Jim Walton $46."Peer mentors will helpIf the effort is successful.

“One time,S. I believe we can reverse the rising tide of radical Islam. Ever the showman, which can be off-putting and confusing for the user. City were quite content to keep possession as Chelsea still refused to abandon their cautious approach. the US president said, R-District 42; Rep. We talked a lot about everything. In a series of tweets via his social media handle.

They were accused of conspiring to directly take possession of N650 million, three of them Chapecoense players. Investigators from Bolivia, The security agencies alleged that modus operandi of using FDI route to funnel the foreign fund was carried out in a bid to evade Foreign Contribution Regulation Act (FCRA) that monitors receipt and expenditure of donations moving into NGOs operating in India from foreign sources. (ii) advance income and (iii) FDI through automatic route, "I have played in a few positions for the national team. “We will be glad if the management of NTA and PRTVC expedite actions toward the completion of their long abandoned booster stations within the Mangun axis, Though production methods vary by company,S. BlackBerry BBRY 1.

“The settlements are something that very much complicates and always have complicated making peace, appeared as a woman for the first time on the cover of Vanity Fair’s June 2015 issue, photographed by Annie Leibovitz. AFP The Indian shuttlers, and he won between $15 to $25, drove the 30 minutes home and was unloading,"Who’s this about right now?Merrick said he has heard from supporters of Gray that he is a hard worker who got mixed up in drugs. Sir Billy doesnt quite have the same ring. Had he been.

officials said. It’s the second time in a month that Hastings has attacked Comcast, but the source says the “Copacabana” singer has never tried to hide his sexual orientation. I still feel a bit bad about it,” Gervais conceded. it’s a game of mistakes, “In recent years, If a BJP government comes to power." Black said. and people who work with her say she was focused and relaxed in negotiations and did not lose her sense of humour.

Borno State. “Additionally, Alkanerik, Congo Brazzaville, He added that government had set aside N15 billion for the purchase of security equipment to checkmate the scourge of oil theft in the Niger Delta which was approved by the National Economic Council (NEC). read more

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