Credit card issuers have to May 2 to resume sending agreements to CFPB

first_imgCredit card issuers have until May 2 to submit their card agreements to the Consumer Financial Protection Bureau (CFPB), as the one-year suspension of the requirement ended April 1. The CFPB suspended the quarterly submission in April 2015 as it developed a streamlined database of the agreements.The agreements are already required to be posted on an issuer’s public website, and issuers must also submit their name, address and unique identifying number for the issuer, such as the RSSD ID. Issuers can e-mail a link to the webpage containing the agreement in lieu of a PDF attachment of the agreements, a step taken by the bureau to alleviate the submission burden.The Credit Union National Association (CUNA) supported this change from the CFPB as a much-needed piece of regulatory relief. continue reading » 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

ITB BERLIN: Predictions for 2019

first_imgIn the first place last year was Turkey, which recorded a new 8,5 million arrivals, followed by the USA with a plus of 5,3 million, then Egypt + 3,4 million, France +3,2 million, Greece + 2,9 million, Italy +2,9 million, Thailand + 2,8 million, Japan + 2,6 million, Vietnam + 2,6 million, Germany + 2,6 million arrivals. The so-called “gold markets” with average travel costs of more than 2.000 euros were Kuwait, Saudi Arabia, Australia, Brazil and China. The “silver markets” with spending per trip between 1.500 and 2.000 euros were the USA, India, Quatar, Japan and the Emirates. PURPOSE OF TRAVEL TOURISM IS A KEY DRIVER OF THE WORLD ECONOMY Travel “from the country” last year reached the number of 1,4 billion passengers, which is an increase of 5,5% compared to 2017. From European countries, the increase in travel was 5%, as well as from North America, while outgoing travel from Asian countries grew by 7% and from Latin America by 6%. 28% of passengers believe that their destination was overcrowded with tourists. Of that, as many as 12% of international travelers believe that too many tourists ruined their vacation at their destination. The problem of overtourism is most felt in Asia (19%), followed by North America with 13%, the South with 11% and Europe with 9%. Younger passengers (up to 34 years of age) are more sensitive to crowds (17%), those between 35 and 54 years less (11%) and passengers 55+ years old are least sensitive to crowds (5%). The cities most affected by the large number of tourists are Xian in China (36%), Beijing (30%), Mexico City (30%), Venice (26%), Amsterdam (25%), Istanbul (23%), Florence 23%), Rome (22%), etc. Crowds are also complained about by the domicile population and the consequence is a decline in the quality of service in many service industries that do not have enough capacity for so much demand pressure. The ITB traditionally presents the latest, newly processed data on travel trends in 2018 worldwide. FORECASTS FOR 2019 TOP 10 RECEPTIVE MARKETS BY INCREASING TURNOVER From Berlin from the ITB Berlin fair, Nedo Pinezić, www.nedopinezic.com South America recorded an increase of 87%, Asia and Pacific 84%, North America + of 48%, Europe + 45%, Caribbe and Cent. America + 32%. A total of 72% vacation, 14% business trip and 14% visit relatives and friends. Travel abroad for holidays increased by 60%, for visits to relatives and friends by 59%, while business trips in terms of business deals decreased by 4% and due to events, study trips, congresses and the like increased by 42%. In the MICE segment, the reasons for travel are 46% conferences and seminars, 16% congresses and conventions, business fairs 20% and reward, incentive trips 18%. BIG JOB – THE MOST RELEVANT DATA Everything is moving to the internet. In 2007, 46% of passengers used the Internet for this purpose, and in 2018, 82% of passengers. Accommodation websites were searched the most (38%), followed by official destination websites (34%), followed by transport websites (27%), followed by OTA platforms (booking.com, expedia, etc.), (22%), then travel advisor pages (e.g. TripAdvisor) (17%) and tour operator pages (17%). From social media, blogs were the most searched (11%), followed by social networks (Facebook, Twitter, etc.) (10%), travel forums (9%), live streaming (Instagram, YouTube, etc.) (3%). Interesting is the “return” of traditional media, which again enjoy the trust of 65% of travelers to trust in social networks, which is less – (34%). center_img When traveling for vacation, the first motive is “sun and sea” (29%), followed by short-term visits to cities (29%), followed by tour trips (18%), trips to the countryside and mountains (8%), cruises by boat (3%). ). The largest increase in reasons for vacation is recorded by short-term visits to cities, as much as 222% !. Cruises by ship are increasing by 78%, “sun and sea” by 76%, touring by 27%, trips to the countryside and to the mountains by 23%. Aircraft are mostly used for travel (65%), while land and water transport participate with 35%. The growth of traffic was recorded by aircraft (+ 74%), ships (+ 72%), rented cars (+ 70%), railways (+ 4%), while bus transport recorded a minus of 7%. PLANNING, SEARCH, TRAVEL PURCHASE OVERTOURISM For 2019, the growth of tourist traffic is projected at the following rates: USA + 5%, Asia and the Middle East + 6%, Europe + 3%. Global growth in tourist traffic in 2019 should be 4%. Fortunately, Croatia is among the 20 safest destinations ranked in order: Finland, Switzerland, Australia, Denmark, Norway, Canada, Austria, Sweden, Poland, Malta, Portugal, Hungary, the Netherlands, Bulgaria, Croatia, Ireland, Singapore, the Baltic countries. , Greece, Jamaica. Countries with less uncertainty are: Italy, Belgium, Peru, China, Dominican Republic, Costa Rica, Thailand, Spain, Cuba, Malaysia, Germany, Emirates, India, Brazil, Oman, UK, Quatar, South Africa, Russia, Colombia, Mexico, USA, Saudi Arabia, France, Morocco. The following countries are considered dangerous: Jordan, Tunisia, Egypt, Israel, Turkey. THE MOST POTENTIAL ISSUING MARKETS Offline sources also occupy certain percentages of information sources. Travel agencies 34%, friends and relatives 27%, printed travel guides 13%, magazines, TV, radio – a total of 9%. The importance of information provided by national tourist boards increased from 2% in 2007 to 4% in 2018. Local tourist boards increased passenger confidence from 2% in 2007 to 3% in 2018 as much as advertisements, while trade fairs as a source of information increased from 1%. 2007 to 2% in 2018. Compared to 2007, travel booking over the Internet increased from 38% to 72%, through travel agencies it fell from 29 to 27%, direct booking of accommodation increased from 11 to 19% and transportation from 8 at 12%. The average number of overnight stays worldwide is 8 and in North America 8,3, in South America 8,2, in Europe 8,2, in Asia 7 overnight stays. The average number of overnight stays has been growing since 2015 when it was at 7,4. Hotels are mostly used for accommodation (60%), 15% of travelers stay with friends at night and 25% of passengers use other types of commercial accommodation. Overnight stays in hotels increased by 59% in one year, but only in hotels of the highest and lowest category. With friends at night, 5% more passengers and all other types of commercial accommodation are chosen by 72% more passengers than a year earlier. So-called “homesharing” accommodation occupies only 6% of the market share. Influenced by the global slowdown in economic growth, forecasts for tourism are also somewhat lower. 2015 was the peak year of global economic growth. Since then, there have been some setbacks that culminate right now. We are facing a period of recession until the end of this year and the beginning of next year. Economic growth forecasts are for 2019 in North America + 2.5%, in China + 6%, in the Eurozone 1,2%. Also, the sensitivity of passengers to the threat of terrorism is quite high (38%). Terrorism is most feared on trips to Asia (57%), South America (36%), Europe (34%), North America (31%). 28% of all travelers will plan to travel exclusively to safe countries. DOMESTIC TRAVELS BY CONTINENTS NIGHTS IPK conducts research continuously throughout the year for the following year. The survey is conducted using questionnaires in 60 countries, on a sample of 500 respondents, in 000 languages. In Europe, the surveys are conducted in 55 countries with 33% market coverage, in the Americas in 99 countries with 13% market coverage, in Asia and the Middle East in 90 countries with 17% market coverage.last_img read more

Trump threatens permanent freeze on WHO funding in 30 days

first_imgIn the letter, Trump lists what he says are examples of the WHO’s shortcomings in managing the pandemic, including ignoring early reports of the emergence of the virus, and being too close to China.”It is clear the repeated missteps by you and your organization in responding to the pandemic have been extremely costly for the world. The only way forward for the World Health Organization is if it can actually demonstrate independence from China,” Trump said in the letter.”If the World Health Organization does not commit to major substantive improvements within the next 30 days, I will make my temporary freeze of United States funding to the World Health Organization permanent and reconsider our membership in the organization,” he said.Earlier Monday, the WHO said it would launch an independent review of the response to the coronavirus pandemic. Topics : During a virtual assembly, Tedros acknowledged there had been shortcomings and told the assembly he welcomed calls for a review.center_img President Donald Trump threatened to permanently freeze US funding to the World Health Organization unless “substantive improvements” were made within the next 30 days.Washington suspended payments to the WHO in mid-April, accusing it of being too close to Beijing and covering up and mismanaging the coronavirus pandemic.On Monday, Trump tweeted images of a letter he sent to WHO Director-General Tedros Adhanom Ghebreyesus, saying the letter was “self-explanatory.”last_img read more

PitPoint opens rebuilt Zwolle LNG fueling station

first_imgCommenting on the rebuild process, Joost de Ruijter, sales & business development manager at PitPoint.LNG, said, “We are very glad that we were able to make this station operational on schedule – despite the coronavirus crisis. Our customers made a major contribution to the end-result by testing the station together with us for further optimisation.” Dutch company PitPoint said it has reopened the liquefied natural gas (LNG) fueling station in Zwolle. To remind, the Zwolle LNG facility is the first public station in the Netherlands, PitPoint said. PitPoint added that more and more carriers are switching to LNG because of both environmental and financial advantages. Image courtesy of PitPoint The new station will operate 24/7, has two LNG pumps and three staging areas for trucks that run on LNG. The Zwolle LNG station is the only one of its kind in the province Overijssel. Therefore, it is considered to be an important station by an increasing number of carriers. The facility has undergone a complete renovation, the company said in its statement. The station now has four times more LNG storage capacity than it had previously as a response to the increasing demand. Thanks to the larger LNG storage tank and an additional LNG pump, drivers no longer need to wait on each other but can refuel simultaneously, the statement reads.last_img read more

Nudists upset beach residents

first_imgBay of Plenty Times 26 April 2012Papamoa Beach residents upset with “unsavoury” nudists are meeting Tauranga Mayor Stuart Crosby tonight in an effort to solve the problem. The meeting is a standard Neighbourhood Watch meeting but will have special emphasis on efforts to remove nudists from the beach, resident Shaun Gallagher said. Mr Gallagher said the behaviour, which included homosexual activity, from nudists in the Sunbrae Grove area had become so offensive it had scared off residents. “As a result of what has been happening and the fact these people are appearing more and more bold and coming closer and closer to where we live on the beach … there are older ladies who just don’t go on the beach anymore,” Mr Gallagher said. “We feel what has happened here is totally inappropriate. “If they want to take their clothes off, try doing it at Mount main beach or Papamoa Palm Beach Plaza, see how far they can get.” The nude beach started more than 40 years ago and began when there were few residents nearby. Mr Gallagher said Papamoa Beach was now a family placehttp://www.bayofplentytimes.co.nz/news/nudists-upset-beach-residents/1358751/Residents’ meeting a ‘success’Bay of Plenty Times 27 April 2012A meeting with Tauranga’s mayor sparked by Papamoa residents concerned by nudist behaviour in their area has been labelled a success.   The meeting was held last night after a call from residents in the Sunbrae Grove area fed up with offensive behaviour from nudists.   This behaviour, mainly homosexual activity in sand dunes and excessive exhibitionism, had scared some residents away from using the beach or walking their dogs.   Mayor Stuart Crosby, who was specially invited, said most people at the meeting were not upset with nudists providing they were discreet. “It wasn’t really ‘let’s ban nudists’. The problem they had was with those people who deliberately get up and parade in front of people in the beach, particularly with children,” Mr Crosby said.   “Then there’s the higher level of sexual behaviour of some nudists on the beach and in the sand dunes.”http://m.bayofplentytimes.co.nz/news/residents-meeting-a-success/1360214/Residents draw line in the sand on nuditySunday Star Times 29 April 2012….It’s a problem repeated at beaches around the country. Last month police were called after a man was photographed in a “state of arousal” on a Kapiti beach, and there has been a steady stream of complaints about gay sex on the beach at Rabbit Island in Nelson and Ladies Bay in Auckland. The stretch of beach near Sunbrae Grove at Papamoa has been known as a nudist spot since the 60s and used to be deserted farmland, but as development has encroached further, there have been more and more complaints. It is also a well-known gay meeting place.http://www.stuff.co.nz/national/6824571/Residents-draw-line-in-the-sand-on-nuditylast_img read more

OECS celebrates 31st anniversary in Toronto

first_img Share Sharing is caring! LocalNews OECS celebrates 31st anniversary in Toronto by: – June 25, 2012 OECS flag. Photo credit: thewestindiannews.comTORONTO, Canada — In celebration of the 31st Anniversary of the Founding of Organization of Eastern Caribbean States (OECS), the OECS interim national council (Canada), via the cultural and entertainment standing committee, hosted a reception on Friday in Toronto, Canada.The celebration showcased business entrepreneurs’ products and services, and staged a cultural market place with fashion designers and models lighting up the catwalk with trendy outfits.OECS nationals and others were warmly received by Consul/Liaison Officer, E. Bernard John. Community messages and remarks, we delivered by consuls general and consuls from all member states.Chairman of the OECS working group, Honorary Consul General of St Kitts and Nevis, John Allen, performed double duty, delivering his community message and reading a message from current OECS chairman, Dr Kenny Anthony, prime minister of St Lucia.Anthony’s message referenced the signing in St Kitts on June 18, 1981, of the Treaty of Basseterre and the strong links that exist with the larger community.“We are currently moving towards the creation of a new entity to regulate the energy sector across our islands, using a model similar to the successful ECTEL agency for telecoms,” he said.Anthony also noted that steps are being taken to “pool our resources to provide a stronger thrust in our foreign policy. The recently revised Treaty of Basseterre is now making way for political architecture and opportunities for deeper collaboration across our governments and our institutions.”The OECS must continue to see how it can better integrate its population, to grow and prosper across boundaries, disciplines and accents and that our islands remain open for business and intend on becoming world class participants, said Anthony.His message continued , “August of this year, we will witness, in Antigua, the commencement of the OECS Assembly, which will see representatives from all our parliaments, both government and opposition, meeting and debating legislation that has a basis throughout our Caribbean sub-region.”Acknowledgment was given to “the government of Canada through CIDA for many years supported major development projects in our islands, from schools to airports — to be one of the most important source markets for visitors, despite the global economic recession.”With business entrepreneurs and models buzzing in the corridors, the fashion and cultural performance certainly reminded all that the Caribbean is one family. The colourful display of fabrics, artistry and funfair produced by the standing committee, cultural and entertainment chair, Eulalie Walling-Sampson and co-chair Lorraine Delsol, were exemplary of the islands indigenous creative arts.Caribbean citizens form an integral part of Canadian multiculturalism and the rich culture that is displayed at CARIBANA, so mark your calendar July 17 to August 5, 2012.The warmth of the islands is alive and well, the fusion of ideas and partnerships is great in the Diaspora. And in so doing, the technological space will permit a live feed for next year’s celebration and performance. Caribbean News Now Tweetcenter_img 18 Views   no discussions Share Sharelast_img read more

Parents: 6-year-old thrown out of bus window by bully

first_imgThe parents of a 6-year-old boy says they are relocating their family after one of their sons was thrown out of a moving school bus by a bully.The incident occurred in Baltimore County earlier this month.First grader, Jacion Kight told police that an older student who bullies others called him to the back of the bus. When Jacion arrived to the back of the bus, the other student pressed the emergency button on the bus to open a window and threw him out of it.“He dumped me out the window, and I landed on the street,” Jacion told Project Baltimore. “No car didn’t run me over.”Jacion was knocked unconscious and rushed to the hospital.“I’m scared to death. I show up, and he’s already in the back of the ambulance,” Jacion’s father, Brian Kight said. “And I didn’t even get to talk to nobody because the ambulance was in a very big rush to pull off. So, I jumped in the ambulance. I was thinking I might be losing my child. And it was terrifying.”Jacion suffered “frontal skull fractures with small head bleed,” and was hospitalized for three days in addition to being placed on anti-seizure medication.Kight told reporters that this was not the first incident where his children have been bullied by older students on the bus but he has had enough. He detailed that months prior, his children came running home scared after an incident that occurred with the bullies.“Because of this. My children actually approached me and said that, ‘We are scared to go back to that school. Do we have to go?’ And I’m a parent. I love my children,” Kight said. “And with them saying that and the look on their faces, I can’t send them back there. I can’t.The father says has since quit his job and pulled his six children out of school in preparation to move due to the incident.Kight also hired a lawyer with the possibility of suing the school for not stepping in.“As a parent, I’m angry Because as parents we send our children to school to learn and to be safe,” Attorney Ivan Bates told Project Baltimore. “My first instinct was to make sure he was okay. Once he was okay, and once we talked a little bit more, I knew he needed help, and then I knew I was going to take the case.”Baltimore County Public Schools reported that they were notified about the incident the day that it happened, however, the do not have any further comments.last_img read more

MMA Sailors Wrap Up Season

first_imgCASTINE — With final exams upon them and the spring training cruise looming, the Maine Maritime Academy sailing team closed out its season last weekend sending crews to race in service academy regattas on both Buzzards Bay and Chesapeake Bay.The offshore sailing team traveled to the U.S. Naval Academy in Annapolis, Md., to race Colgate 26 sloops in the Intrepid Cup regatta. The dinghy team sent a freshman crew to Massachusetts Maritime Academy to race for the Priddy Trophy in an all-freshman event.Sailing in the Priddy regatta, skipper Chris Poole and crew William McLean finished fourth in a fleet of 11. With 52 points in 11 races, the Mariners finished just 10 points behind third-place finisher Salve Regina.  Things were better in Annapolis, and worse.This is placeholder textThis is placeholder textLast year the Mariners offshore sailing team shocked a lot of experts by winning the Intrepid Trophy, one of collegiate sailing’s top match racing events, at Navy. They also won the inaugural edition of the Port of Los Angeles (POLA) Harbor Cup regatta in California.The fleet this year drew a dozen teams, and the Mariners almost repeated last year’s victory.Sailing 11 races, MMA finished in a dead heat with the Privateers of the State University of New York’s Maritime College. Both teams had only a single loss, but MMA’s loss was to SUNY, so the Privateers held the tiebreaker.According to Brown, the Mariners should have garnered second place, but a protest by Navy pushed MMA back to third. The problem, was a shortage of judges on the water, Brown said. If there aren’t enough judges, a crew often won’t know that it has violated a rule until the race is over.  “They sailed better than anybody,” Brown said, “but once it went to the room,” where protests hearings are held, “they couldn’t exonerate themselves.”For more maritime news, pick up a copy of The Ellsworth American. Latest posts by Nicole Ouellette (see all) Hold the pickles and the piercings, please – April 28, 2015 Nicole OuelletteColumnist at Breaking Even CommunicationsWhen Nicole isn’t giving advice she’s completely unqualified to give, she runs an Internet marketing company in Bar Harbor, where she lives with her husband Derrick and their short dog Gidget. She loves young adult novels, cooking and talking French to anyone who’ll talk back. asknicole@ellsworthamerican.com Biocenter_img Latest Posts Kickstarter has lots of gray areas – May 5, 2015 Ask Nicole: What do I do about ignorant Internet commenters? – April 21, 2015last_img read more

Tiger Boys 6th, Girls 9th in MPA

first_img Hancock County Court News Nov. 3 thorugh Dec. 11 – January 22, 2015 Bio admin This is placeholder textThis is placeholder text Latest posts by admin (see all) SULLIVAN — The Sumner Tiger boys upped their record to 4-2 with wins of 4-1 over Stearns and 3-2 over Lee Academy this week, while the Sumner girls are 2-4.In the Class C standings the Sumner Tiger boys are sixth and the girls are ninth. For more sports stories, pick up a copy of The Ellsworth American. State budget vs. job creation – January 22, 2015 House fire in Winter Harbor – October 27, 2014 Latest Postslast_img read more

Belarus Premier League Attracts Global Attention as it Plays on

first_imgFootball is suspended in the UK and across most of world because of the coronavirus (Covid-19) pandemic – but the game rolls on in Belarus.The Belarusian Premier League rarely gets a mention in normal circumstances yet it is attracting attention from foreign fans as one of the few places around the globe – and the only place in Europe – where football is still being played.On Saturday, there were six top-flight games in the eastern European country including the derby between FC Minsk and Dinamo Minsk watched by a capacity 3,000 crowd in Belarus’ capital. “It so happened that this derby was practically the only official football match on earth,” read Dinamo’s match report after their 3-2 defeat.There have been fewer than 100 cases and no deaths from coronavirus in the former Soviet republic, which has a population of around 9.5million people.While most European countries are quarantining their citizens and shutting borders, the President of Belarus, Alexander Lukashenko, is not worried and has even suggested citizens drink vodka to combat the disease.Belarus Football Federation spokesman Aleksandr Aleinik said precautions were being taken to allow games to go ahead.“We’ve taken all the measures recommended by the Sports Ministry. All those who are in contact with fans are supplied with gloves,” he added.The decision to carry on has helped the Belarus Football Federation secure broadcasting deals with sports networks in 10 countries, including Russia, Israel and India, where fans have been left with nothing to watch.Aleinik called it an “unprecedented situation”.Dinamo Minsk, seven-time Premier League winners, had a player sent off in the 58th minute as they lost to neighbours FC Minsk, who lead the table two games into the 2020 season.Alexander Strok, a Dinamo Minsk spokesman, hopes the international attention will help the players “get more responsible” after two straight defeats.Fans around the world have been posting messages about football in Belarus on social media with Starboard Wunmi tweeting: “You know you’re obsessed with football when you’re checking out the recent form of Slutsk and Dinamo Brest before their games kicks off in the Belarus Premier League.”David Watson added: “By the end of this everyone will have a team they support in Belarus.”Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more