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State Treasurer Urges Vermonters to Speak Up on Rule Changes on Credit Cards

first_imgState Treasurer Urges Vermonters to Speak Up on Rule Changes on Credit Cards        MONTPELIER, Vt.—(July 2, 2008) As Vermonters work to meet the challenges of a struggling U.S. economy, the last thing they need is to be charged unfairly for the use of their credit cards. So said State Treasurer Jeb Spaulding, who today issued an alert to Vermonters that the deadline for public comment on new federal rules regulating credit cards and overdraft services is fast approaching.        “I want to remind everyone that August 4 is the deadline for the public to formally share their views regarding proposed rules that would prohibit unfair charges and billing practices associated with credit cards and overdraft services,” said Spaulding. “The rule changes would ensure consumers have a reasonable amount of time to make payments and stop practices that unfairly maximize interest charges.”        The State Treasurer’s Office has created a web site to make it easier for Vermonters to comment on the rule changes. People may go to www.VermontTreasurer.gov(link is external) and click on “Share Your Views!” The web page features a direct link to the public comment page for Unfair or Deceptive Acts or Practices as outlined in the Federal Register. Links are also provided to a highlights page of the proposed rules as well as the complete rule changes.        The Federal Reserve Board, the U.S. Department of the Treasury’s Office of Thrift Supervision, and the National Credit Union Administration in early May proposed rule changes under the Federal Trade Commission Act. The identical proposed rule changes by each of the federal regulators will enable the rules to apply to savings associations, banks, and federal credit unions.        The rule changes address public concern about fairness and transparency by:·       Ensuring that consumers have a reasonable amount of time to make a payment;·       Requiring that consumers receive the full benefit of discounted promotional rates on credit cards by applying payments in excess of the minimum to any higher-rate balances first;·       Prohibiting unfair interest rate increases on outstanding balances;·       Disallowing fees imposed when the credit limit is exceeded solely because a hold was placed on available credit (for example, when a consumer checks into a hotel, a hold is placed for the expected cost of the stay);·       Addressing unfair methods of computing balances;·       Prohibiting the practice of financing security deposits and fees for credit availability; and·       Requiring the disclosure of what factors determine whether a consumer qualifies for the lowest APR and highest credit limit advertised.As the Senior Vice President for the National Association of State Treasurers, Spaulding is working with State Treasurers nationwide to urge the public to share their views on the proposed changes. Spaulding believes the rule changes will establish a uniform set of business practices that will benefit consumers and provide clear expectations for credit card companies.“Credit cards have become a convenient financial tool for many people,” said Spaulding. “These rule changes will ensure that unfair practices costing Vermonters money will be regulated. It is a question of fairness and of helping people stretch their personal financial resources.” -end-Lisa HelmeDirector of Financial Literacy and CommunicationsOffice of the State Treasurer109 State Street, 4th FloorMontpelier, Vermont 05609-6200Tel: 802-828-3706Fax: 802-828-2772last_img read more

Family law rules amendments

first_img March 1, 2006 Regular News Family law rules amendments Family law rules amendments The Family Law Rules Committee invites comment on proposed out-of-cycle amendments to the Florida Family Law Rules of Procedure. The full text of the proposals can be found on The Florida Bar’s Web site at www.FloridaBar.org. Interested persons have until April 1 to submit comments to Judge John Alexander, chair, Family Law Rules Committee, St. Johns County Courthouse, P.O. Box 300, St. Augustine 32085-0300.last_img read more

Where the path ends and the forest begins

first_imgThe only way to change your future is to step off the path and step into the forest. No one is going to do it for you.A fixed mindset congeals your future in the past.The great tragedy of leadership is being so busy leading that you neglect your own development.Where the path ends and the forest begins:#1. Concept versus reality: The concept of growth is easier than the reality.Growth requires:Not knowing.There’s nowhere to grow if you already know.Making mistakes. Success solidifies who you are. Failure changes you.Feeling like an impostor. You have to try on new behaviors to ignite growth.“We never grow until we do something we’ve never done.” continue reading » 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Jutarnji list Grand Conference: The System of Tourist Boards in the 21st Century

first_imgOrganized by Jutarnji list, a conference “The system of tourist boards in the 13st century” will be held on November 21 at the Esplanade Hotel in Zagreb, where two exceptional topics will be discussed: the new Law on Tourist Boards i changes made by the new Law.The conference will bring together leading Croatian and foreign experts in tourism, as well as participants from economic and political institutions. Representatives of tourist boards from Croatian regions will talk about how they intend to implement innovations in the restructuring of tourist boards and the new role intended for them.”Our goal with this conference is to stimulate a public debate on the new Law on Tourist Boards, where the leading people of Croatian tourism will present the changes they are proposing. Tourist boards will be in charge of product development, as well as creating new motives for the arrival of guests. On this occasion, the conference will present all the changes brought by the new law, will talk about the experiences of other destinations and countries that have introduced such changes. ” stand out from Jutarnji list as the organizers of the conference. What should they look like, what should they do and are there too many of them – these are the questions they will try to answer at the conferenceIt is planned that the introductory presentation entitled “Horwath HTL: DMO – trends and benchmark – what works best” as an introduction to the discussion will be held Siniša Topalović, ISHC Director Horwath HTL.A panel discussion follows “What national tourist boards should do”, and the participants are an expert in public relations, international relations and destination branding, Božo Skoko, Director of the Institute of Tourism, Damir Krešić, ISHC Director Horwath HTL, Siniša Topalović, director of product development department in Jadranka hotels, Đurđica Šimičić and panel moderator, Jutarnji list journalist Barbara Ban.After a short break, another panel discussion follows “New time – new system”, and the participants are Vladimir Bakic, director of the Dubrovnik-Neretva County Tourist Board, Luka Kolovrat, director of TZ Imota, Irena Persic Zivadinov, director of the Kvarner Tourist Board, Ivana Jurić, Director of the Osijek-Baranja County Tourist Board, Ivan Radošević, director of the Lika-Senj County Tourist Board and panel moderator prof. dr. sc. Dragan Magas, full professor at the Faculty of Management in Tourism and Hospitality.last_img read more

Starbucks closes most US, Canada cafes, moves to drive-through

first_imgStarbucks Corp said on Friday it will close most of its company operated cafes across north America for two weeks, limiting its services to drive-throughs, to help stem the spread of the highly contagious coronavirus.”Let’s be real. Lattes aren’t ‘essential’,” Rossann Williams, president of US company-operated and Canada businesses, said in a letter. “But in times of crisis, the government asks convenient food and beverage outlets to remain open when possible for pickup, Drive Thru, or delivery.”Exceptions to the closure would be made for cafes serving in or around hospitals and health care centers, she said. Starbucks, which owns almost all US stores, said its licensed partners would make independent decisions about whether to close their stores, but said it would pay all store partners for the next 30 days, regardless of that decision.The move ramps up efforts by the world’s largest coffee chain to increase social distancing, expanding closures beyond the universities, malls and high risk areas it announced several days ago.As the virus spreads at a rapid pace across the United States, cafe and restaurant operators have shut their doors or limited services to delivery and take-away.New York state, Illinois and Connecticut on Friday all followed California in directing residents to stay at home in the most sweeping social distancing measures yet imposed.The unprecedented restrictions, impacting more than 75 million people, or nearly a quarter of the US population, have closed most workplaces and require residents to remain inside except for trips to grocery stores, pharmacies, gas stations and other “essential businesses.”The coronavirus has infected nearly 14,400 people across the US and the death toll currently exceeds 200.Topics :last_img read more

High ceilings, contemporary fittings and beautiful landscaping are features of this newly-renovated home

first_img63 Barton Rd, Hawthorne“It was a bit more luxurious than all the others that I looked at.’’In preparation for selling, Mr Tavakol had spent the past three months renovating the Hawthorne home. 63 Barton Rd, HawthorneAn opportunity to buy on the riverfront is the only reason Jason Tavakol is offering his 63 Barton Rd, Hawthorne, home for sale.He believed the Barton Rd home was nicer than his new acquisition, but said because he owned a boat, it was a matter of upgrading and moving closer to the water.When he bought the Barton Rd home in 2009, it was the location and size which appealed to Mr Tavakol. 63 Barton Rd, HawthorneMore from newsMould, age, not enough to stop 17 bidders fighting for this home1 hour agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor1 hour ago“I brought it back up to today’s modern standard. It needed a little bit of an update,’’ he said.“Now it looks like a brand new house, like it was when I bought it. Some of the appliances have been updated, so it’s modern with today’s standards.“I just wanted it like brand new, I want whoever buys it to really buy the house in the standard that I bought it back then.’’Mr Tavakol said it was the main bedroom and living area which were his favourite parts of the house.There was no landscaping when he bought the property.“The landscaping we did was really for me to enjoy, so I probably spent a bit more money on it than a builder would have to sell the house.’’“I really enjoy the outdoor area because it is beautiful.’’ 63 Barton Rd, Hawthorne“We looked at several houses in that location and this one just stood out because it had really high ceilings, it was ultra modern and it had basically all the features, but it just was a lot bigger than all of the other competing houses that I looked at. The land was a little bit bigger, it just had everything,’’ he said. 63 Barton Rd, HawthorneInside are polished hardwood floors, travertine tiles and wool carpets, plus three-metre high ceilings.On the ground floor was a guest bedroom or study, and the open plan kitchen, living and dining room.This area leads out through glass sliding doors onto a large outdoor entertainment area, with a swimming pool and gardens.The remaining bedrooms were on the upper level, two with ensuites, and there was a media room on this level as well as a storage room and main bathroom.The home has airconditioning, security, an intercom, solar power and a water tank.There were city views and it was close to parklands and the Oxford St restaurant and shopping precinct. DETAILS 63 Barton Rd, HawthorneAgent: Roger Carr, 0403 181 310, Samantha Panarello, 0433 712 971, Ray White – BulimbaAuction: Sunday, September 10, 11AMlast_img read more

Celebrity Partners Up with Ghana University on Recruiting Female Bridge Officers

first_imgUS-based cruise line Celebrity Cruises has entered into a partnership with the Regional Maritime University (RMU) in Ghana which will enable female bridge officers to be openly recruited from a West African country for the first time in the cruise industry. As informed, on August 27, 2017, the cruise line will welcome the first official crew member from the Celebrity Cadet Program, RMU Cadet Nicholine Tifuh Azirh, who will join the bridge team onboard Celebrity Equinox.The partnership with RMU came about when Celebrity’s President and CEO Lisa Lutoff-Perlo met with students from the Mandela Washington Fellowship at Florida International University (FIU). There, the CEO met Tifuh Azirh who shared her “inspiring story of perseverance”. Tifuh Azirh holds two degrees, yet following graduation she struggled to find opportunities in the maritime industry as an African female despite her academic performance, subsequent teaching at RMU, and cadet experience.“After hearing Nicholine’s story, I met with our SVP of Global Marine Operations, Patrik Dahlgren, to see what we needed to do in order to give her, and others, the opportunities they’ve earned. A year later, I’m so excited to share the news of our partnership with RMU and to welcome Nicholine on board,” Lutoff-Perlo said.“Nicholine isn’t just a new-hire, she symbolizes hope for women around the world who dream of working in a very male-dominated industry; she’s the face of our industry-leading partnership,” Lutoff-Perlo added.“Nicholine’s success is our entire world’s success. Her story shows the power of win-win partnerships and the positive impact they have on our communities – and beyond,” Mark B. Rosenberg, FIU President, commented.“The goal of our partnership with RMU is to inspire and disrupt the social norms that burden female officers in western African nations, such as Ghana,” Patrik Dahlgren, SVP of Global Marine Operations, Celebrity Cruises, pointed out.“Nicholine is our pioneer cadet and a pioneer for women in her country; moving forward, we will continue to evaluate candidates and continue to push the envelope in developing a growth sector for marine officers in a part of the world that traditionally underserves female officers,” Dahlgren concluded.last_img read more

I will prove my worth, Nigeria’s Benfica full-back Ebuehi tells Twente

first_img The former ADO Den Haag defender is delighted to sign for the Pride of the East and looks forward to making his contribution to the club. Ebuehi has eight appearances for Nigeria since he made his debut against Togo in a friendly in June 2017. He will hope to feature consistently for Twente to boost his chances of being recalled for national team assignments. Benfica technical director, Jan Steuer, hopes the Nigeria international will add value to the team, given his experience at ADO Den Haag. “It is great that we can add Tyronne Ebuehi to our selection. In his time at ADO Den Haag, Tyronne has shown to be a talented player,” Steuer said. “It is not without reason that he was selected for the national team of Nigeria and played at the 2018 World Cup. “In his first year with Benfica, Tyronne had a difficult season due to an injury, but last year he made his appearance for Benfica B. He is top fit and will hopefully be able to fully join our selection soon. FacebookTwitterWhatsAppEmail分享 Dutch Eredivisie side, Twente, have announced the signing of Tyronne Ebuehi on a season-long loan from Portuguese club Benfica with the option of signing him permanently. The defender joined the Estadio da Luz outfit in May 2018 after impressing for Nigeria at the World Cup in Russia and penned a five-year deal with the side. Ebuehi said he was delighted to sign for the Dutch side and he will try and prove his worth. “It feels great to be here at FC Twente. The conversations I had with the club were very positive and I am looking forward to playing here,” Ebuehi told the club website. “In the past, I played against FC Twente with ADO. Twente is a big club and I want to prove myself here, but of course, also help the club.” The 24-year-old, however, suffered a career-threatening injury two months after teaming up with the Eagles in a Champions Cup defeat by Juventus. The defender subsequently missed the whole of the 2018-19 season and has not made a single league appearance for the Portuguese club since joining the side. Ebuehi has, however, featured four times for Benfica B since he returned from injury and has teamed up with the Dutch outfit to reignite his career.Advertisement Loading…last_img read more

Leon Balogun joins Wigan on loan

first_imgRelatedPosts Leeds record first Premier League win in seven-goal thriller Leeds host first Premier League game after 16 years EPL: Salah nets hat-trick as Liverpool beat Leeds in seven-goal thriller Wigan Athletic completed the loan signing of defender Leon Balogun from Brighton & Hove Albion until the end of the 2019-20 season, subject to EFL, Premier League and FA approval. Balogun, 31, completed the move late on Deadline Day and is unavailable for Latics’ clash at Leeds United on Saturday. The Nigeria international signed for Brighton in 2018, having spent his career in Germany, featuring in the Bundesliga for Hannover 96, Werder Bremen, Fortuna Dusseldorf and Mainz 05. With over 200 career league appearances and 32 international caps to his name, Balogun brings useful experience to Paul Cook’s defence for the final 17 games of the season.Tags: Deadline dayFortuna DusseldorfLeeds UnitedLeon BalogunWiganWigan Athleticlast_img read more

Schmidt: Sexton set to face Italy

first_img “I think one of the things is there’s a bit of distance. “There were some discussions with [Racing coach] Laurent Labit who was not in the country.” Versatile Ulster forward Iain Henderson will win his ninth cap and first Six Nations start against the Azzurri, replacing Peter O’Mahony at blindside flanker. The 22-year-old back-five forward slots in with boss Schmidt not risking Munster captain O’Mahony, who failed to come through training on Thursday. Iconic centre O’Driscoll will make his final Dublin appearance in Ireland colours this weekend ahead of his summer retirement, with captain Paul O’Connell branding the 35-year-old “embarrassed” by the world’s gaze. Munster lock O’Connell light-heartedly admitted Ireland would hold their talisman midfielder that little bit tighter, on his last-ever Ireland turn at the Aviva Stadium. Ireland, France, Wales and England can all yet claim the championship crown. O’Connell said O’Driscoll is desperate not to let his final throes conflict with Ireland’s aims of pushing towards that still-attainable Six Nations title. “There’s been nothing specific said, he’s a bit embarrassed by it all,” said O’Connell. “I suppose he’s working hard on looking after his body, so he just wants to focus on that. “He’s a quiet guy, an understated guy, he’s a bit embarrassed and he just wants to focus on finishing as well as he can, without any distractions. “The whole thing is definitely in the back of your mind, it’s hard to get away from, with the papers and the media. “It’s hard to think what life will be like without him, but at the moment there’s been very little mention of it from staff, players or Brian himself, and I’m sure that’s the way he’d like it.” Former Leinster coach Schmidt admitted Munster flanker O’Mahony has been held back for the Six Nations closer against France in Paris on Saturday, March 15. “If this was the last game of the Six Nations we might have risked Peter,” said Schmidt. ” But there was a risk. “He didn’t train today, and that was the difference. “If he’d trained fully we would have included him but he wasn’t able. “I’d be really confident for him about Paris next week.” Sexton has beaten a thumb ligament strain in time to win selection for Ireland’s RBS 6 Nations clash with Italy in Dublin on Saturday. The 28-year-old proved his fitness by training fully on Thursday, ahead of Ireland’s penultimate Six Nations fixture, where Brian O’Driscoll will set a new world record for Test appearances by reaching 140. Racing threw Sexton’s Six Nations into doubt by last week predicting the thumb injury sustained in 13-10 England defeat could last anywhere from 10 days to six weeks. Ireland bosses quickly rejected that assessment, a move that has now been vindicated with Sexton’s selection to face Italy. “I have absolutely no concerns about selecting Johnny, he is fully fit,” said Schmidt. “It was a sprained thumb, and he finished the [England] game. “There was bruising, and it’s gone.” Racing flogged big-money recruit Sexton with 13 games in 10 weeks in the autumn, leading to a hamstring injury that left Schmidt to admit Ireland had “lost control” of their star playmaker. Ireland chiefs have struggled to foster relations with Paris club Racing’s coaching staff, but Schmidt has now rejected any problem. “Racing have been pretty good value, they understand Johnny’s a pretty important shared resource,” said Schmidt, keen to avoid any conflict with Sexton’s Top 14 club side. Ireland have no conflict of interest with Racing Metro over fly-half Johnny Sexton, according to head coach Joe Schmidt. Press Associationlast_img read more