Phil Larder: ‘We solved the problem in 2003, now Eddie must do the same’

first_imgLATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Eighteen years separate the appointments of Phil Larder and Paul Gustard as England defence coach but a strand exists between the two, because Gustard was a Leicester player during their glory years of 1999-2002 when Larder oversaw the meanest defence in the land.Gustard remembers fondly the infamous Wednesday defence sessions at Leicester but what he may not have been aware of at the time was the innovative nature of Larder’s work, because defence in union as we know it today was still in its infancy.Nothing illustrates that better than the try Ben Tune scored against England in Clive Woodward’s first Test in charge, a 15-15 draw on 15 November 1997. Scrum-half George Gregan picked the ball up at a ruck near England’s 22 and ran laterally, being tracked all the way by Lawrence Dallaglio. A simple swivel and inside pass by Gregan gave blindside wing Tune the ball with clear space before him and he cantered to the try-line.Larder was watching that game from the Huddersfield YMCA clubhouse and it was his son Matt, a dual-code player, who was first to articulate a defensive solution to this problem. Namely, that the ruck appeared to be the equivalent of rugby league’s play-the-ball and that in league you had two markers stationed there who would have stopped the Wallaby move dead in its tracks.“Listen up, lads”: Larder runs a session in 2003, when England had the world’s best defence (Pic: Getty)And so was born the guard system in union, with Larder, starting employment with England the following Monday, able to implement this and many other new practices in a coaching revolution.England forwards were still following the ball, instead of dropping into channels and covering the width of the pitch, when they played New Zealand at Old Trafford – with obvious consequences.But gradually the systems bedded in: the front-row forwards, who at first would pull fellow defenders tight to them, were forced to spread wider and their tackle count doubled in a trice.The sliding defence advanced to such an extent that the last defender could stand 20 metres inside the outside attacker and still be confident of snuffing out the move. And Larder introduced a sweeper – capitalising on Austin Healey’s reading of the game – to patrol the space just behind the line and alert team-mates to opposition overloads.By the time England arrived at the 2003 World Cup, they were the best defensive side in world rugby bar none. Such was their line speed that they were getting penalised when onside, so they started shouting “back foot” and checking with referees even as they prepared to fly forward.Template: Eddie Jones would like to emulate the qualities that took England to glory (Pic: Getty Images)England missed only six tackles in 100 minutes during their World Cup final triumph and Larder’s preachings surfaced all around the globe, hastened in large part by his role on the 2001 Lions tour – head coach Graham Henry adapted Larder’s ideas in his next job in Auckland and then installed the system with the All Blacks.The international ‘brick wall’ that Larder helped build created a need for enhanced skill levels when attacking, and in particular better footwork, handling and power running from tight-five forwards who had previously been expected to do little more than push in the scrum and get to the breakdowns.In his fascinating book The Iron Curtain, written with award-winning author Nick Bishop, Larder relates an exchange between attack coach Brian Ashton and Martin Johnson in training.“Brian, do you really want me to run and pass the ball?” asked the England captain.“Of course I do, Johnno, can you handle it?”“Course I can,” said Johnno, his face lit up, “but no one has allowed me to pass the ball before.”Talk to Larder now and he sees an urgent need for England to rediscover some of the ways of that all-conquering team of Johnson’s.“The evidence of the (2015) World Cup is that the northern hemisphere teams, especially England, tended to play the old-fashioned way: the forwards were there to win the set-piece,” he says.“In every sport, numbers are so important. In my early years with England, especially when playing teams from the northern hemisphere, we would have 15 defenders defending against a set of backs and two forwards, because five or six forwards never did anything apart from hit rucks.“But New Zealand players can all pass before contact and offload and read the game. Eddie Jones has to solve that problem, as we did in 2003. Phil Vickery, Trevor Woodman, Steve Thompson, Ben Kay and Johnno could all play football. You can change players’ skill levels, although you can’t do it for this Six Nations (because it takes time). It must be top of Eddie’s list.”On the ball: Ben Kay passes out of contact in 2005 – a skill lacking in some English tight-five forwardsThe good news for England fans is that Larder believes Jones will do just that, and indeed the Australian has already expressed his admiration for the team that defeated his Wallabies in that 2003 final, one that Bob Dwyer called probably “the first in rugby history to attack through all 15 players”.“I know Eddie as a competitor trying to beat the teams I worked with and I have a lot of respect for him,” says Larder, 70. “He’s an outstanding coach and gets the best out of his players. He plays a very entertaining game. When England played Australia in my time, apart from Melbourne in 2003, they always gave us one hell of a game; in the 2003 World Cup final they played out of their skins. I think he’ll do a superb job.” As Wallaby coach, Jones took the view that if you could keep the ball for three minutes, or 20-plus phases, a defensive system would crack under the strain. Larder countered that by getting England to do a four-minute defensive drill where spacings had to be maintained and tackles made despite non-stop ball for the attack.South Africa used to present few difficulties in Larder’s era because of the route-one nature of their rugby. England would happily pick Julian White, very strong but immobile, against the Springboks and let the Leicester prop defend a very narrow channel close to the ruck.Power station: Julian White was favoured against the Boks due to their physical but limited approachThat all changed when South Africa employed Jones on a consultancy basis in the run-up to the 2007 World Cup.“He made a massive difference to them,” says Larder. “South Africa were very physical but they would always try to run over you. Eddie worked on their passing and offloading skills and they became much more difficult to defend against. I think he’ll adapt the same strategy with England.”The No 12 position has been a bone of contention since Will Greenwood retired more than a decade ago, and Larder agrees that it’s fundamental to how Jones’s England will operate.“Inside-centre is a unique role and very important,” says the Lancastrian. “A 12 should have very fluid attacking skills. It’s not a fly-half and not an outside-centre. You need good passing, vision, decision-making.“Will Greenwood was the perfect type of player in this position, very helpful to Jonny Wilkinson’s decision-making but also with sublime handling skills.“The inside-centre shouldn’t just be a tough defender, he has got to ask questions. I always looked at it as what would I least like to defend against, and playing two footballers at ten-12 asks far more difficult questions of a defence.”Larder says the injured Henry Slade is top of England’s pecking order at the moment, but he has no issue should Owen Farrell, as predicted, take the shirt for this weekend’s Calcutta Cup match. “George Ford and Owen Farrell are both footballers and of course played together as ten-12 for England U20s.”Fit for purpose: Larder has every confidence that Owen Farrell can do a job at 12 for England (Pic: Getty)He is also a firm advocate of the specialist No 7, and was mystified by Matt Kvesic’s early cut from England’s squad last summer ahead of the World Cup – “Something must have happened there,” he says.Larder’s esteem for Neil Back knows no bounds. In his book he salutes the flanker’s “work-rate, speed to the ball and tackling technique” and labels him the only member of that great England team who could have played rugby league straightaway.“If he’d been playing league, his name would have been the first on my team-sheet. I fought tooth and nail to keep him in the England team, though not for long because pretty soon everyone realised what an outstanding player he was. An out-and-out seven is dangerous around the contact area and I believe a team should have one.”Back’s relative smallness, at 5ft 10in, led some coaches to doubt him but the only real side effect was a question of balance in the lineout, something the current England team can relate to without a lithe Tom Croft- or Jamie Gibson-style No 6, or indeed a jumper like Josh Beaumont at No 8.A seven needs to get away from the set-piece quickly, so in Back’s era he would lift Dallaglio and often shoot off even before the No 8 had landed!James Haskell looks set to get first dibs on the No 7 shirt in the Jones era, with Jack Clifford waiting in the wings and Kvesic seemingly third in line, but it’s fair to say this remains an area of concern for the Red Rosers.Larder has no concerns about the need for Gustard to transfer his ‘connected line speed’ from the club to international environment – “He’s a bright bloke and won’t change too much too quickly” – but asked to pinpoint the area most in need of attention for England and he doesn’t hesitate.In with a shout: Eddie Jones has a strong hand but would like more time with his players (Pic: Reuters)“How players handle pressure. Stuart Lancaster’s team severely underperformed in that area. Some of the people we pushed out were outstanding attackers or defenders but they couldn’t handle the pressure. You need to make quick, correct decisions when the pressure is on, and we did a lot of work on decision-making and putting players in pressure situations – mental pressure, not physical.”He continues: “The lack of player access will hit Eddie more than anything else because in Australia he had far more time with his players as they were contracted to the union. The Six Nations will be coming round too soon for him.“There’s a tremendous amount of pressure on him, especially because in the UK the media can quickly turn. But he’s a very good coach and he’s one of those who has always liked to get involved on the training pitch; it’s good that he will be running the attack.” And what would constitute an acceptable result in Jones’s first Six Nations? “England need to win it,” comes the answer.The Iron Curtain: My Rugby Journey From League to Union is published by Pitch, priced £18.99. To purchase, click here.center_img The mastermind behind England’s World Cup-winning defence left a remarkable legacy for the game. Here he discusses the biggest issues facing Eddie Jones’s Six Nations team Giving his all: Billy Vunipola is part of a core of young Englishmen looking for a fresh start (Pic: Reuters) last_img read more

La Promenade des Anglais, en deuil

first_img Canon for Family Ministry Jackson, MS Submit a Press Release Rector Knoxville, TN Sur la “prom” les drapeaux qui flottent au vent sur fond de ciel azuréen, sont en berne.De-ci de-là, des bouquets ont été accrochés sur les barrières le long de la chaussée, interdite à la circulation. Près d’un parterre où se mêlent, fleurs, bougies, petits mots manuscrits et ours en peluche, de jeunes niçois chantent en nissart, leur attachement à leur ville : Nissa la bella.À quelques centaines de mètres, dans la rue de la Buffa, parallèle à la promenade des anglais, un petit groupe s’est réuni à l’église Holy Trinity pour prier.Le révérend Peter Jackson lit à haute voix les textes qu’il a choisis : Isaïe 11, 6 à 9, le loup habitera avec l’agneau… Matthieu 5, 43 à 48, aimez vos ennemis et priez pour vos persécuteurs…Accompagné à l’orgue, le petit groupe entonne le fameux hymne Abide with me, avant que chacun ne s’avance pour se recueillir et allumer une bougie à la mémoire des 84 personnes décédées, le 14 juillet.Mondialement connu, l’hymne anglican Abide with me, œuvre d’Henry Francis Lyte, fait partie de l’histoire d’Holy Trinity.Ordonné en 1815, Lyte en a composé les paroles et la musique quelques mois avant sa mort à Nice, en 1847. Il est enterré dans le cimetière de l’église et sa tombe continue de recevoir des centaines de visiteurs, chaque année.L’histoire d’Holy Trinty avait commencé vingt trois ans plus tôt, le dimanche de l’Avent 1822, avec l’ouverture de la chapelle protestante épiscopale de Nice. C’est au révérend Lewis Way qu’on la doit.Lewis Way sera également à l’origine de l’église anglicane St George’s de Paris, avec la création de la chapelle Marbeuf. Réputé évangélique, on peut encore dire aujourd’hui qu’il s’est aussi montré prophétique. Dans un sermon de1822, il décrivait l’Europe comme “le théâtre où l’apocalypse se manifesterait*.”Son nom est étroitement associé à la promenade des anglais. En 1823, Nice subit la pénurie après de sévères gelées pendant l’hiver. Répondant à son appel, une soixantaine de paroissiens aisés de l’église anglicane se cotisent pour donner du travail aux nombreux indigents qui vont élargir le chemin du littoral sur lequel les anglais aiment à se promener.Leur charité est aussi l’occasion de démontrer leur bonne volonté vis-à-vis du Royaume sarde dont dépend Nice. À l’époque l’administration turinoise ne fait que tolérer la présence de l’église anglicane.La strada del littoral devient “le camin des ingles“ et en 1844, seize ans avant le rattachement de Nice à la France : la promenade des anglais.En sortant de Holy Trinity, ce samedi 16 juillet 2016, on peut apercevoir un peu plus loin sur le trottoir, une queue qui s’est formée devant la boutique d’un fleuriste. Lundi 18 juillet, les fleuristes niçois veulent recouvrir la promenade de fleurs.Hommage aux victimes et maintien de la tradition. À Nice, lors du Carnaval, c’est sur la promenade des anglais que se déroule la “bataille” de fleurs.* Source : An anglican Adventure, par le rév. Matthew Harrison, recteur de l’église St George’s de Paris. Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Missioner for Disaster Resilience Sacramento, CA Rector Pittsburgh, PA Associate Rector Columbus, GA Rector Bath, NC Rector Albany, NY Associate Priest for Pastoral Care New York, NY Press Release Service Submit an Event Listing Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET New Berrigan Book With Episcopal Roots Cascade Books Curate (Associate & Priest-in-Charge) Traverse City, MI Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Director of Administration & Finance Atlanta, GA Rector Smithfield, NC Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Course Director Jerusalem, Israel Featured Jobs & Calls This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Submit a Job Listing Curate Diocese of Nebraska Rector Shreveport, LA Rector/Priest in Charge (PT) Lisbon, ME The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Rector Hopkinsville, KY TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Family Ministry Coordinator Baton Rouge, LA The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group Rector and Chaplain Eugene, OR Rector (FT or PT) Indian River, MI Associate Rector for Family Ministries Anchorage, AK Priest-in-Charge Lebanon, OH Assistant/Associate Rector Morristown, NJ Featured Events Director of Music Morristown, NJ Priest Associate or Director of Adult Ministries Greenville, SC Assistant/Associate Priest Scottsdale, AZ Bishop Diocesan Springfield, IL Rector Tampa, FL Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Rector Belleville, IL Youth Minister Lorton, VA Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Assistant/Associate Rector Washington, DC Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Rector Washington, DC An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET de Laurence MoachonPosted Jul 18, 2016 La Promenade des Anglais, en deuil Rector Martinsville, VA Cathedral Dean Boise, ID Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Rector Collierville, TN last_img read more

Guatemala: Prospects for the media in a country torn by violence

first_img Red alert for green journalism – 10 environmental reporters killed in five years November 30, 2016 Guatemala: Prospects for the media in a country torn by violence GuatemalaAmericas Condemning abuses ImpunityViolence News Guatemala. Don’t put the Guatemalan press in quarantine! Follow the news on Guatemala Organisation News GuatemalaAmericas Condemning abuses ImpunityViolence Help by sharing this information News With an annual murder rate of more than 30 per 100,000 inhabitants, according to the latest UN figures, Guatemala is one of the world’s ten deadliest countries and its media personnel are not spared.RSF has registered no fewer than eight murders of journalists in 2016* although – because of the judicial system’s slowness and a reluctance on the part of officials to release information – a direct link between the murder and the victim’s work as a journalist is strongly presumed in only two of the cases.According to a report on the human rights situation in Guatemala that the Inter-American Commission on Human Rights released at the start of 2016, more than 90 percent of murders (of all categories of persons) go unpunished in Guatemala.The report says it is very hard for journalists to operate in Guatemala, especially those who try to cover stories linked to violence, organized crime and corruption. RSF has reached the same conclusion.Guatemalan journalists are also the targets of intimidation campaigns and harassment – often by elected representatives or government officials – whenever their reporting is regarded as a nuisance. Media coverage is also undermined by censorship attempts, especially during election periods.“On this special day, we offer our full support to Guatemala’s journalists who, in a particularly dangerous environment, courageously continue to do their job to report the news,” said Emmanuel Colombié, the head of RSF’s Latin America desk.“We also urge the government to pursue its efforts to reinforce protection for media personnel, combat corruption and end impunity, which constitutes a major obstacle to freedom of expression in Guatemala.”There have been some noteworthy and encouraging developments since Jimmy Morales was sworn in as Guatemala’s new president in January 2016, above all the imminent creation of a Programme for the Protection of Journalists that is the result of four years of work by government officials and 16 civil society organizations.The programme, which President Morales is expected to personally launch in the next few days, includes measures for preventing threats to journalists and for providing emergency protection to those in danger.Attorney General Thelma Aldana also announced at the start of November that a special unit that investigates crimes against journalists is to be overhauled and given more resources.This overhaul could lead to the creation of a special prosecutor’s office for crimes against journalists. RSF hails the decision to provide investigators with more resources, as it essential to end the impunity that handicaps Guatemala.Cerigua, an NGO that is RSF’s regional partner, noted in its annual report published on 28 November that attacks on the media have fallen in 2016, with 43 fewer cases than during the same period (January-November) in 2015.The Cerigua report nonetheless highlights the increase in murders, the continuing violence and threats against journalists in the remotest regions, and the lack of action on the part of the judicial authorities.Guatemala is ranked 121st out of 180 countries in the World Press Freedom Index that RSF published in April.*The eight journalists murdered in Guatemala in 2016:Note: Because of the lack of reliable information from the local police and judicial authorities, RSF had not been able to include all these cases in its Barometer.- Mario Roberto Salazar, Radio Estéreo Azúcar manager, on 17 March in Asunción Mita (Jutiapa)- Winston Leonardo Túnchez Cano, Radio La Jefa presenter, on 8 April in Escuintla (Escuintla)- Diego Salomón Esteban Gaspar, Radio Sembrador presenter, on 30 April in Ixcán (Quiché)- Víctor Hugo Valdez Cardona, Chiquimula de Visión presenter, on 7 June in Chiquimula (Chiquimula)- Álvaro Aceituno López, Radio Illusión owner and presenter, on 25 June in Coatepeque (Quetzaltenango)- Felipe David Munguía Jiménez, Canal 21 cameraman, on 4 September in Santa María Xalapán (Jalapa)- Josué David Chamán, Radio Fuente de Vida presenter, on 11 October in Cobán (Verapaz)- Hamilton Hernández Vásquez, Canal 5 presenter, on 5 November in Coatepeque (Quetzaltenango)center_img Guatemala: 51 Signatories Call For Authorities To Drop Criminal Charges Against Indigenous Journalist Anastasia Mejía to go further January 7, 2021 Find out more Receive email alerts News As today (30 November) is celebrated as Day of the Journalist in Guatemala, Reporters Without Borders (RSF) looks back at what has been a particular violent year for the media in this Central American country but hails recent initiatives by the Guatemalan authorities to give journalist more protection. August 21, 2020 Find out more Guatemalan journalists take part in a protest to condemn the armed attack that left two colleagues killed and another injured in the south of the country, in Guatemala City on March 11, 2015 (AFP) RSF_en May 8, 2020 Find out morelast_img read more

RSF urges withdrawal of baseless charges against detained blogger

first_img In the light of a recent independent expert analysis of blogger Eduard Palchys’ posts, Reporters Without Borders (RSF) accuses the Belarusian authorities of bringing baseless charges against him and calls for his immediate and unconditional release. to go further May 27, 2021 Find out more “We also call on the court to rescind the decision to hold the trial behind closed doors. There are no grounds for this if the defendant is simply being tried for the opinions he expressed.” News News BelarusEurope – Central Asia Condemning abusesOnline freedoms Judicial harassmentImprisonedFreedom of expressionCouncil of EuropeInternet In the posts on his blog,, Palchys expressed his political views, above all his criticisms of Russia’s foreign policy and its relations with Ukraine and Belarus. He was arrested in January in Russia and was extradited in May to Belarus, where has been in pre-trial detention ever since. Six organizations, including the Belarusian Association of Journalists (BAJ), an RSF partner, issued a joint statement on 5 October in which they said they regarded Palchys as a political prisoner and called for his immediate release. Courtesy photo Belarus is ranked 157th out of 180 countries in RSF’s 2016 World Press Freedom Index. Also known by the blog name of “Jhon Silver,” Palchys is due to go on trial before a Minsk municipal court on 14 October on charges of “inciting racial, national or religious hatred” and “distributing pornographic material.” The court has let it be known that he will be tried behind closed doors. Organisation Receive email alerts May 28, 2021 Find out more Follow the news on Belaruscenter_img He is charged in connection with nine allegedly “extremist” blog posts, which the authorities refused to identify for a long time. But, in response to a request filed months ago by Belarusian human rights groups (and supported by RSF), the offending texts were finally released and were recently examined by an independent linguistic expert, who concluded that the charges were without foundation. News “We call on the Minsk court to take account of this independent expert opinion and to drop all the baseless charges against Eduard Palchys, whose detention for the past ten months is a glaring injustice,” said Johann Bihr, the head of RSF’s Eastern Europe and Central Asia desk. Help by sharing this information News RSF at the Belarusian border: “The terrorist is the one who jails journalists and intimidates the public” Russian media boss drops the pretence and defends Belarus crackdown June 2, 2021 Find out more RSF_en BelarusEurope – Central Asia Condemning abusesOnline freedoms Judicial harassmentImprisonedFreedom of expressionCouncil of EuropeInternet “The publications are nothing more than the author’s views on certain historical events, facts, containing criticism of geopolitical concepts and the foreign policy of some states,” the statement said. “The nine articles do not contain evidence of incitement to war, violence or statements in favor of (…) hatred, nor do they pose a threat to national security, public order or public health or morals.” October 12, 2016 RSF urges withdrawal of baseless charges against detained blogger “We welcome opening of criminal investigation in Lithuania in response to our complaint against Lukashenko” RSF says Detained since January, 26-year-old Palchys is facing a possible five-year jail sentence.last_img read more

OCC: Fintechs Will Not Replace Banks

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Related Articles  Print This Post March 18, 2016 1,406 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, News, Technology Share Save Home / Daily Dose / OCC: Fintechs Will Not Replace Banks Banks Fintechs Innovation OCC Technology 2016-03-18 Brian Honea Previous: HAMP: Managing Higher Payments After Resets Next: Survey: Financial Illiteracy is Rampant Among College Students Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago OCC: Fintechs Will Not Replace Banks Tagged with: Banks Fintechs Innovation OCC Technology Servicers Navigate the Post-Pandemic World 2 days ago About Author: Brian Honea In an address on Friday before the National Community Reinvestment Coalition in Washington, D.C., Comptroller of the Currency Thomas J. Curry discussed the competition banks are facing from new and sophisticated financial technology companies, or “fintechs” as they are commonly known-but he said it would be “wrong to assume” that fintechs will replace banks.Curry noted the effect that technological advances are having on the financial industry and that many tech-savvy consumers prefer to conduct financial transactions with computers and smart phones at an hour of their choosing, regardless of the time of day or night. He cited as examples accessing cash from ATMs, chatting via text with customer service to resolve problems, or making payments to friends or applying for a loan via smartphone.“The shift in how consumers access financial services obviously poses a challenge to banks, which are competing in this arena against nimble and sophisticated financial technology companies—“fintechs” for short,” Curry said. “Many fintechs do business exclusively via the Internet, using online and mobile applications. They’re very new. So many of them have designed and built their systems to match their particular business model.”By comparison, the legacy technology systems of banks are outdated and expensive to modify or replace. Not only that, but the extensive branch networks of many banks is a costly physical infrastructure to maintain.“However, it would be wrong to assume that fintechs will replace banks and the products and services they offer through established branch networks,” Curry said. “I believe the national banks and federal savings associations supervised by the OCC are as nimble and innovative as the new financial technology startups. The fact is that innovation has been a hallmark of the U.S. banking system since it was created in 1863 at the behest of President Lincoln.”“Banks are engaged in research to help them adapt to rapid technological change.”Thomas Curry, Comptroller of the CurrencyCurry noted that national banks and federal thrifts have always adapted and evolved as their customers’ needs and expectations changed, and today is no different.“Banks are engaged in research to help them adapt to rapid technological change,” Curry said. “Some banks are building innovative solutions in-house. Other banks are purchasing so-called ‘white label’ solutions to enhance their existing technology platforms, and some are pursuing strategic partnerships with fintechs in order to bring new solutions onboard more quickly.”Innovation allows banks to offer more products to better serve customers and to offer those products at a lower cost, and it also allows the banks to reach more customers and make branch networks more efficient, Curry said.“The OCC is committed to supporting responsible bank innovation,” he said. “Last August, I announced an initiative to develop a comprehensive framework to improve the OCC’s ability to identify and understand new and emerging trends and innovations in the financial services industry, as well as the evolving needs of consumers of financial services. This framework will outline our views on responsible innovation and enable us to more efficiently evaluate innovative products, services, or processes that require regulatory approval and identify potential risks associated with adoption.”Click here to read Curry’s complete address. The Best Markets For Residential Property Investors 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribelast_img read more

The Cost of Rental Scams

first_imgHome / Daily Dose / The Cost of Rental Scams The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago July 23, 2018 2,275 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago Apartment rental scams are costing would-be renters millions—and maybe billions—of dollars, according to a new report by ApartmentList. The report studied bogus listings in 31 metro areas and found that 5.2 million Americans have lost money paying for apartments that were not really available.According to Sydney Bennet, a senior analyst at ApartmentList and one of the report’s authors, young renters are the most likely to get scammed. Adults between 19 and 29, drawn to job or post-graduate opportunities, often look online for apartments in cities far from where they live, and often without visiting. They find listings, pay security deposits, and, too often, find out they’ve been duped.Bogus listings come in two forms, according to ApartmentList. Some are entirely fictional “catfish” ads compiled to look enticing, while others are legitimate ads that have been hijacked by a scammer who directs apartment seekers to their own email accounts.Bait and switch is another popular scam, according to ApartmentList. This often comes in the form of missing amenities, the most common being laundry facilities.According to the report, young renters are 42 percent more likely to be scammed than older apartment seekers. Overall, almost half of young renters said they’ve encountered dubious listings and about 10 percent have actually lost money.Renters of all ages say they’re likely to find a suspicious apartment advertisement. Nationally, 6.4 percent of all renters said they’ve lost money to a bogus deal.However the scam is pulled off, a lot of people are losing a lot of money. A third of the 5.2 million Americans who’ve lost money in a rental scam have lost more than $1,000, the report stated. That’s likely after paying a security deposit or rent on a fraudulent property. Another quarter of those scammed said they’ve lost anywhere from $100 to $400.Of the 31 major cities studied in the June survey, Dallas had the highest percentage of scammed renters. In Dallas, 10.9 percent of would-be renters have lost money to apartment fraud, the report found. That’s almost twice the national average. Atlanta, Washington, D.C., and Denver all had scam rates around 9 percent.Chicago and Kansas City had the lowest percentage of apartment scams. Each city saw 2.1 percent of renters bilked over rentals.Bennet said a main red flag for apartment scams is when a listing offers a lot for much less than comparable apartments in a city—in other words, when it just seems too good to be true. in Daily Dose, Featured, Headlines, Journal, Market Studies, News Related Articles  Print This Post Scott Morgan is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He’s been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. center_img Servicers Navigate the Post-Pandemic World 2 days ago Previous: Housing Market Growth Looks Strong Next: Cities That Stress Less … and More Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago 2018-07-23 Kristina Brewer The Cost of Rental Scams Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe Share Save Sign up for DS News Daily About Author: Scott Morganlast_img read more

Trump says federal law enforcement, National Guard on way to site of violent protests in Wisconsin

first_imgOfficial White House Photo by Shealah CraigheadBy ELIZABETH THOMAS, ABC News(WASHINGTON) — President Donald Trump on Wednesday tweeted that federal law enforcement and National Guard troops were on their way to Kenosha, Wisconsin, the site of violent protests, to “restore LAW and ORDER!”He still has not commented directly on the shooting of an unarmed Black man, Jacob Blake, that triggered the protests.Three people were shot and two killed in Kenosha overnight.“We will NOT stand for looting, arson, violence, and lawlessness on American streets. My team just got off the phone with Governor Evers who agreed to accept federal assistance (Portland should do the same!)…” he tweeted.Trump has made “law and order” a central theme of the current Republican National Convention and his reelection campaign overall.First lady Melania Trump called for an end to violent protests in her Rose Garden speech last night as part of the RNC.This is a developing story. Please check back for updates.Copyright © 2020, ABC Audio. All rights reserved.last_img read more

Government presses ahead with delayed TUPE reforms

first_imgRelated posts:No related photos. Previous Article Next Article Comments are closed. The Government is to push forward with the long-delayed reforms to theTransfer of Undertakings regulations. A second consultation on draft regulations will start in the next few months,with the aim of bringing the revised legislation into effect in spring 2004. The Department for Trade and Industry has dropped the main contentious issuefrom the consultation process – whether occupational pension rights should beprotected by TUPE – which was thought to be holding up progress on the reforms.This will now be included in the more general overhaul of pensions provision. The TUPE reforms aim to: – clarify the circumstances when TUPE will apply to service contractingoperations such as cleaning, catering and security – ensure the new employer is better informed of the ongoing employmentrights of the employees transferring from the old employer – improve the way TUPE operates when insolvent businesses are sold, to helppromote the rescue culture and save businesses and jobs that would otherwise besold – clarify situations where an employer may lawfully make transfer-relatedchanges to staff terms and conditions. Trade and Industry Secretary Patricia Hewitt said the Government wanted to”support business flexibility and restructuring and help take the fear outof transfer for those affected.” One of the main problems for employers taking on staff through a transfer isthat making any changes to terms and conditions, for example, to harmonise themwith the existing workforce, is risky. Case law has shown that even variations agreed with the employees will bejudged void if the reason for them was the transfer itself. “There is nothing in the [Acquired Rights] Directive… that would allowconsiderable relaxation of the rules preventing employers from restructuringand renegotiating employment terms,” said John McMullen, head ofemployment law at Pinsent Curtis Biddle. Government presses ahead with delayed TUPE reformsOn 1 Mar 2003 in Personnel Todaylast_img read more

Westbrook scores 45; Thunder beat Jazz to avoid elimination

first_img FacebookTwitterLinkedInEmailOKLAHOMA CITY (AP) — Russell Westbrook scored 45 points and the Oklahoma City Thunder rallied from 25 points down in the second half to fight off elimination and beat the Utah Jazz 107-99 on Wednesday night.Westbrook also had 15 rebounds and seven assists. Paul George added 34 points and eight rebounds.Utah takes a 3-2 lead back to Salt Lake City for Game 6 on Friday.Oklahoma City took advantage after Utah’s post players, Rudy Gobert and Derrick Favors, got into foul trouble. Both finished with five fouls, and Oklahoma City was able to get to the basket consistently for the first time in the series.Jae Crowder had a career playoff-high 27 points for Utah. Donovan Mitchell scored 23 points, and Joe Ingles added 16.Utah opened the second half on an 8-1 run to go up 64-42, and Crowder’s 3-pointer made it 71-46 with 8:34 left in the third quarter.Westbrook hit back-to-back 3-pointers, then made a layup with 5:07 left in the third quarter to cut Utah’s lead to 73-60. Gobert picked up his fifth foul with 3:46 left in the third quarter. Westbrook’s 3-pointer tied the game at 78 heading into the fourth quarter. Westbrook scored 20 points in the third quarter.Westbrook scored immediately at the start of the fourth to finally put the Thunder in front. Back-to-back threes by Westbrook and Alex Abrines put Oklahoma City up 96-91, and a jumper by Westbrook with 1:24 left put Oklahoma City up 107-99.TIP-INSJazz: Shot 57 percent in the first quarter to take a 34-29 lead. … Crowder scored 15 points in the first quarter. … Mitchell was fouled on a 3-pointer with 11.1 seconds left in the first half. Before Mitchell shot his free throws, Thunder coach Billy Donovan was called for a technical. Mitchell made all four free throws, and Utah led 56-41 at the break.Thunder: Former Thunder forward Enes Kanter, who was sent to New York in the deal that brought Anthony to Oklahoma City, attended the game. Kanter played for Utah before playing for the Thunder. … George made a 3-pointer at the first-quarter buzzer.UP NEXTGame 6 is Friday in Salt Lake City. Tags: Basketball/NBA/NBA Playoffs/Oklahoma City Thunder/Russell Westbrook/Utah Jazz April 25, 2018 /Sports News – Local Westbrook scores 45; Thunder beat Jazz to avoid elimination Associated Press Written bylast_img read more

GD Wins Advanced Submarine Technologies Deal

first_img View post tag: wins View post tag: Naval View post tag: deal View post tag: technologies View post tag: americas General Dynamics Electric Boat has been awarded a $36.5 million contract modification from the U.S. Navy to develop advanced submarine technologies for current and future undersea platforms.Electric Boat is a wholly owned subsidiary of General Dynamics.Under the terms of the modification, Electric Boat will perform advanced submarine research and development studies in support of a wide range of technology areas including manufacturability, maintainability, survivability, hydrodynamics, acoustics and materials.Electric Boat will also conduct research and development work in additional areas including affordability, manning, hull integrity, performance, ship control, logistics, weapons handling and safety.Additionally, the contract supports near-term Virginia-class technology insertion, future submarine concepts and core technologies.Initially awarded in November 2010, the contract has a potential value of $710.6 million over a total of five years if all options are exercised and funded.[mappress mapid=”14798″]Press release, Image: General Dynamics GD Wins Advanced Submarine Technologies Deal View post tag: Navy Authorities View post tag: Advanced View post tag: US Navy View post tag: News by topic View post tag: submarine December 22, 2014 View post tag: GD Back to overview,Home naval-today GD Wins Advanced Submarine Technologies Deal Share this articlelast_img read more