The kindergarten compliance rulebook for credit unions: Part 2

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr In the last post, I went over the impact state and federal regulations are having on credit union operations and how to identify potential violations. As promised at the conclusion of the post, today we’ll discuss how you can ensure your credit union meets the necessary compliance requirements by getting back to the basic skills you learned in kindergarten.When it comes to compliance exams, regulators want to see that:You have adequate staff in place who understand the rulesYou have made a good effort to follow the rules and do the right thingYou have put the systems in place, like FinTech, to track compliance and policies so issues are mitigated before they become problemsIn many cases, we see smaller lenders outsourcing the higher risk areas surrounding collections, skip tracing, and repossession management to large vendors who can leverage economies of scale to meet the stringent compliance requirements that are challenging for smaller institutions.Some lenders, including the largest SubPrime auto lender Santander, have embraced regulatory scrutiny as a competitive advantage, as stated in a recent article by their CEO Jason Kulas, who sees the strict requirements as a sort of “buffer” to keeping startup subprime shops out of the industry. continue reading »last_img read more

PSG v Barcelona preview: David Luiz in contention to boost PSG hopes

first_imgTeam news, manager quotes, match facts and odds for the Champions League quarter-final between PSG and Barcelona.BACKGROUND Paris St Germain will look to overcome the absence of key players including striker Zlatan Ibrahimovic in Wednesday’s Champions League quarter-final first leg against Barcelona.PSG are buoyant after strong domestic performances last week having beaten bitter Ligue 1 rivals Olympique de Marseille 3-2, thrashed St Etienne 4-1 in the French Cup semi-finals, and won the League Cup final 4-0 against Bastia on Saturday.The two teams have met regularly recently in the Champions League, with PSG beating Barca 3-2 at home in a Group F game this season before losing 3-1 at the Nou Camp.Barca reached the 2013 semi-finals by eliminating PSG on away goals, drawing 1-1 at home after a 2-2 stalemate in Paris. Barca’s Brazil right back Dani Alves is suspended for Wednesday’s game, with Adriano or Martin Montoya likely to replace him in the starting line-up. TEAM NEWSPSG are without the suspended Zlatan Ibrahimovic and injured midfielder Thiago Motta, who picked up a thigh injury in their recent Ligue 1 encounter with Olympique de Marseille.However, PSG’s Brazil centre back David Luiz could return to action after being named in the squad having recovered from a hamstring problem. Dani Alves is suspended for the visiting side.Thomas Vermaelen travelled with the squad to Barca, but is unlikely to feature. There remains speculation Neymar could be dropped from the Barca starting team. MANAGER QUOTESLaurent Blanc: “Do I feel a new momentum? It’s been the case for a while. We worked physically (during the winter break) and today, in money time (the latter stages), we’re good. We are gaining momentum while last year at the same time we were on the way down.”Luis Enrique: “Alves is an important player for us, as evidenced by the amount of minutes he plays. However, we have a large squad and the options I have available to me offer me reassurances that Dani Alves’ absence will not condition how we play. I like everything about my team; that’s why we are where we are.”MATCH FACTSPSG are the only team who have managed to beat Barcelona in this Champions League season, as well as the only one able to score 3+ goals against the Spanish side since the 2013/14 edition. Barcelona have won six consecutive games in this competition for the first time since 2011/12, scoring 2.5 goals per game on average in the process.This will be the third Champions League quarterfinal played between these two sides: the French team progressed in the 1994/95 season while the Spanish one made it through the semifinal in 2012/13.Each of the six Champions League clashes between these two sides have seen both teams finding the net, with exactly 10 goals scored apiece.Barcelona have found the back of the net in all the last 18 European games against a French opponent, while PSG have failed to score only once over the last 13 meetings in Europe versus a Spanish side.However, Barcelona are yet to win a European game away to France since October 2001 against Lyon: since then, the Spanish have drawn three games and lost one. Barcelona will play the Champions League quarterfinals stage for the 18th time in their history: Luis Enrique’s side have progressed 9 times, including seven of the last eight times they’ve reached this round.On the other hand, PSG have stepped into this stage three times previously, failing to progress in the last two editions of the competition (2012/13 and 2013/14).The French side have conceded the most goals (10) in this Champions League among the eight teams left on the battle field.17 of Barcelona’s 18 goals scored in this Champions League have come from open play, a competition-high this season.David Luiz’s goal on the 30th of September 2014 was the only one scored by a defender in the Champions League meetings between these two teams since 1995. Lionel Messi has scored 43 goals this season in all competitions, reaching 40+ goals in a single campaign for the sixth time in a row with Barcelona.The Argentinian has scored 20 goals and assisted 13 in his 19 appearances for Barcelona in 2015 (all competitions). PSG have lost none of the 17 games this season (all competitions) in which Zlatan Ibrahimovic have not been in the starting eleven, winning 12 and drawing five.–last_img read more

Robert Upshaw is off to promising start with Lakers thanks to life mentor

first_imgRobert Upshaw, the Lakers rookie center by way of Fresno State and Washington, stood between Okafor and the hoop, as tall and wide as one of the gaudy casinos lining the Las Vegas Strip.When Okafor lunged left, Upshaw beat him to the spot. When Okafor went right, Upshaw used his feet and upper body to cut him off. Frustrated, Okafor dropped his head and tried bulldozing a straight path to the basket. Only Upshaw held his ground. As a last resort, Okafor rose up for a shot. But Upshaw was having none of it, rising up right along with him to easily swat Okafor’s shot away.At that very moment, the imagination of every Lakers fan watching at the Thomas & Mack Center or on televisions across the country ran wild.After spending the last two seasons as a virtual layup line for opposing teams, allowing them to dance their way through the paint for easy baskets, have the Lakers uncovered the kind of rim-protecting big man they so sorely need? “When you think about a true five man who can get in the middle of the paint, who can block a shot and can rebound and who can get out there and change the complexion of the flow, Robert Upshaw can do that,” Lakers summer league coach Mark Madsen said.The defensive presence Upshaw has provided the Lakers through their first two summer league games has been first-round quality. The reality is, Upshaw is an un-drafted free agent rookie carrying so much excess baggage that NBA teams wouldn’t even invest a second-round pick in him last month.And that’s astonishing for a 7-footer who averaged a national-best 4.5 blocked shots last season at Washington.But then, playing basketball has never been the problem for Upshaw.It’s everything that happens over the 22 other hours of the day that’s been the issue.Upshaw’s draft-day nosedive was the result of getting kicked off teams at Fresno State and Washington for a variety of team violations, ranging from failed drug tests to missing class.During his freshman year at Fresno State, the former top-50 recruit was suspended twice by Bulldogs coach Rodney Terry over a five-week span and then finally booted from the program for good when he messed up a third time.After sitting out a year upon transferring to Washington, Huskies coach Lorenzo Romar applied tough-love tactics on Upshaw by attaching playing time to class attendance and staying on the straight and narrow. It worked — for a little while. With Upshaw defending the paint last year, Washington started the season 11-0 and was ranked in the top 20.But less than 24 hours after going toe-to-toe with Utah big man Jakob Poeltl with 13 points, nine rebounds and five blocks, Upshaw was kicked off the team for violating team rules.Washington was never the same, going 2-10 the rest of the way.Upshaw never recovered, either. After emerging as one of the top center prospects in the country, he saw his draft stock plummet so severely that he now has to back-door his way to the NBA dreams.He’s in Las Vegas, of all places, trying to rehabilitate his image.“And I completely understand what’s at stake,” Upshaw said.It’s ironic, in a way.With the help of self-introspection and by surrounding himself with positive people — including a life mentor — Upshaw traces the root of his issues to a sense of entitlement. “It was me assuming I had it all,” he said. “Because that’s what I did. And that’s how I acted. And I paid for it. Twice. And that’s on me.”In doing so, Upshaw forced himself into a corner so narrow, he now has to work a thousand times harder to get what he mistakenly thought he already had.With very little room for error.The way Upshaw sees it, he’s getting a third chance to get this right. There might not be a fourth.“I’m not going to be perfect. Nobody is,” Upshaw said. “But I know this is what I want. I know this is what I want to do with my life. And I know what I have to do.”The on-the-floor stuff should not be a problem.Despite playing in just 41 games over the last three years — and none since January — Upshaw has acquitted himself well with the Lakers. He is a defensive and rebounding natural with surprising touch around the basket. Assuming he stays clean off the court, it’s easy to imagine Upshaw making the team and earning a spot in the rotation behind starting center Roy Hibbert. “I’m nowhere near 100 percent. But I’m getting in shape as we speak,” Upshaw said. “I’m working hard. Things are starting to come back for me. And once I get my feet under me, get back in the shape I need to be, things are going to be even better.”It’s already off to a promising start. LAS VEGAS >> The entry pass reached Jahlil Okafor on the left block, one of the go-to sweet spots from which he typically carves up opposing big men. As he’s done so many other times before, the 6-foot-11 Philadelphia 76ers lottery pick turned to square up his defender. Three options were available: Power drive to his left or right for a layup. Or step back for a short floater.Point being, with his nimble footwork, advanced offensive post game and an array of moves at his disposal, Okafor could pick and chose his route to a bucket.Or so he thought.But there was one very big problem, and he stood an even 7-foot with a 7-foot-5 wing span and a thick, powerful body.center_img Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more

Metta World Peace hoping to play professionally for 20 seasons

first_img“We didn’t expect him to make the team last year and he made it,” Lakers general manager Mitch Kupchak said. “The same thing can happen this year.”Last year, the Lakers became concerned with World Peace’s durability after he spent one season playing overseas in Italy and China. As World Peace said, “I just had to show I was in pretty good shape.”Then the Lakers found value that World Peace could provide in a mentorship role.This year, the Lakers acquired several other veterans, including Luol Deng and Jose Calderon. But with Deng sidelined in Friday’s exhibition against Denver at Staples Center with a bruised left knee, Lakers coach Luke Walton started World Peace at small forward instead of rookie forward Brandon Ingram.Walton said he “absolutely” considered starting Ingram before choosing otherwise to ensure the same bench rotation. Newsroom GuidelinesNews TipsContact UsReport an Error The Lakers’ fan favorite appears assured of staying on the roster at least through training camp. But for a player that has won an NBA championship, collected defensive accolades and rehabilitated his image, Metta World Peace has higher aspirations.He does not just hope to stay on the Lakers’ roster on a non-guaranteed contract for a second consecutive season. The 36-year-old World Peace enters his 17th NBA season and 18th playing professionally overall hoping he can log at least three more years on the hardwood.“I want to finish off strong,” World Peace said. “It’s not about what it will mean to me. It’s about, ‘Can I get there?’ ”First things first. World Peace must first prove he can survive several rounds of roster cuts before the NBA regular season starts later this month.center_img Despite sitting World Peace in select portions of practice and in the Lakers’ preseason opener, Walton gushed about World Peace’s conditioning and veteran presence.“Metta is very professional,” Walton said. “There’s a lot of help having him around and having him at camp.”Will the Lakers think the same thing for the regular season?“My concern is having a good time. There’s nothing to overcome,” World Peace said. “I’m a hell of a basketball player. That’s the hard part, becoming a good basketball player. Once you do that, you don’t have to worry about nothing else.”Still, World Peace could not resist smiling during the team’s first film session. Then, the reality hit him that World Peace would play for Walton, who is nearly eight months younger than his former teammate.“I zoned out and was smiling. We literally sat next to each other in the film sessions,” World Peace said. “It felt good to see him up there coaching the Lakers.”It will also feel good for World Peace to continue to play for the Lakers this season and beyond. But first things first.“If he goes to the 28 days of camp and we decide not to keep him, he understands,” Kupchak said. “Those 28 days are going to pay huge dividends for this organization.”Bounce backThe Lakers’ loss to Denver featured a controversial finish. Lakers forward Thomas Robinson appeared to make a 3-pointer at the buzzer and drew contact as time expired. Had Robinson made the foul shot, the game would have gone into overtime. But officials determined Robinson did not release the shot before the clock expired. They also did not call a foul.Lakers second-year point guard D’Angelo Russell provided a team-leading 21 points while shooting 7-of-14 from the field and 4-of-8 from 3-point range in 24 minutes. Russell also added five assists and four rebounds, though he also committed four turnovers. Russell also held Nuggets guard Emmanuel Mudiay to four points on 2-of-10 shooting.Lakers guard Jordan Clarkson added 15 points, while Larry Nance Jr. had 11 points. Nuggets guard Will Barton led the team with 20 points, while center Jusuf Nurkic added 18.Popularity contestThe compliments have sounded as loud as the music Walton plays during practice. The Lakers endlessly have praised Walton’s laid-back personality, basketball intelligence and teaching style.Yet, Walton sounded aware of an unavoidable reality.“There’s going to be plenty of times where players are not happy with me or happy with the staff,” Walton said. “I know it’s coming. As long as the foundation and relationships are there, you can get through there no problem.”Still, the Lakers believe Walton can build a sturdier foundation than former cocah Byron Scott, whose stern style received mixed feedback in the organization.“I can’t talk about B. Scott other than when I played for him. I really enjoyed playing for Coach Scott,” said Walton, who played for him during his final NBA season in Cleveland (2012-13). “I like the guys to enjoy themselves. I like to get active on defense, get out and run as often as possible and put a value on how much the ball is moving.”Meeting of the mindsTheir presence will never fade with their retired jerseys and endless highlight reels. Lakers Hall of Famers Kareem Abdul-Jabbar and Gail Goodrich also provided something else, spending time with the Lakers during a film session and imparting wisdom in what Walton called an “intimate setting.”“I loved it,” Walton said. ”They both talked and the players asked questions. It was a good little 15-minute segment we had with some of the all-time greats.”Abdul-Jabbar and Goodrich provided more than just platitudes on the upcoming 2016-17 season. Abdul-Jabbar also demonstrated his skyhook and post-up moves.“That’s unbelievable to have Kareem Abdul-Jabbar, No. 1 scorer in NBA history, teaching you his signature move and his thoughts about the game,” Lakers backup center Tarik Black said. “You can’t buy that.”last_img read more

Sunday blog: Talking Worden Park, no elections, blowing long streaks and a shoutout…

first_imgCommentary by Tracy McCue, Sumner Newscow — Five Cueball thoughts for Sunday, March 30, 2014…1. Worden Park roadWellington has one of the best multi-sports facilities in south-central Kansas with Worden Park.Accident at Worden ParkWith its combination of youth baseball/softball facilities, a nationally acclaimed go-kart complex, youth football/soccer fields, walking trails, premier playground, and the location for various other events such as demolition derbies and Fourth of July fireworks show, Worden Park has been the go-to facility for special events in Wellington. Worden Park has brought in countless dollars to the community from outside sources.But Monday night a roll over accident occurred just north of the complex that brings up what could be a ticking time bomb. The roads leading to and from Worden Park are made of dirt. East 20th Ave. North is a busy thoroughfare that serves both the park and Wellington Christian Academy. The number of young inexperienced, and out of town drivers who use the road is tremendous. The road needs paved – before someone gets killed. Yes, people have been driving country roads from the advent of automobiles. But you are also talking about a generation of drivers who aren’t used to navigating on loose gravel in an area where there are a lot of young drivers. Being one who grew up in the country, if you don’t know how to navigate loose gravel, it becomes a serious situation.Plus, as one Sumner Newscow reader said it’s an image thing. Do we really want to force visitors to drive down a dirt road within our city limits?The city of Wellington has done a great job of redoing Vandenburgh, reconstructing Lincoln Avenue, etc. Now is the time to address the issue of paving East 20th Ave. 3. Blowing a streakThere are streaks, and then there are great big long spectacular streaks. Wichita State’s basketball team had a wonderful 35-game winning streak that ended in heart-breaking fashion when Fred VanVleet’s buzzer beating final shot against Kentucky fell off the side of the rim.In the pros, another streak came to an end. On Saturday, the NBA Philadelphia 76ers were vying for the longest losing streak of any pro team in any pro sport before suffering a heart-breaking victory over the Detroit Pistons. They had a 26-game losing streak – and hadn’t won since January.Think about 26 games. High school seasons don’t last that long. Have the Washington Generals lost that many games against the Harlem Globe Trotters? Many wars are fought and won in a two-month time frame.But now with that unfortunate win, the 76ers will just be a bad team forgotten.Maybe next year, 76ers. 4. Saying I hateI always hate it when I’m arguing with someone or want to respond to something I’ve heard from third-party sources and people tell me to “take the high road.”Translation: “You need to shut up.”That’s annoying. 5. Shout out of the week How can you not give it to the Wellington High School teachers and student body, who spent Wednesday volunteering their services and raising money to help Houston and Dietra Sober visit their mother in Seattle, who is being treated for cancer.One thing you can say about Wellington. We may fuss and fight amongst ourselves. But when it comes to helping one of our own, no town does it better.Follow me on twitter.High schoolers throughout downtown was giving the area a clean look.center_img Close Forgot password? Please put in your email: Send me my password! Close message Login This blog post All blog posts Subscribe to this blog post’s comments through… RSS Feed Subscribe via email Subscribe Subscribe to this blog’s comments through… RSS Feed Subscribe via email Subscribe Follow the discussion Comments (12) Logging you in… Close Login to IntenseDebate Or create an account Username or Email: Password: Forgot login? Cancel Login Close Username or Email: Password: Lost your password? Cancel Login Dashboard | Edit profile | Logout Logged in as Admin Options Disable comments for this page Save Settings Sort by: Date Rating Last Activity Loading comments… You are about to flag this comment as being inappropriate. Please explain why you are flagging this comment in the text box below and submit your report. The blog admin will be notified. Thank you for your input. +16 Vote up Vote down iceman318 · 332 weeks ago “Plus, as one Sumner Newscow reader said it’s an image thing. Do we really want to force visitors to drive down a dirt road within our city limits?” I have lived on the south side of town for 50 yrs and we still have DIRT ROADS and no one is worrying about our IMAGE on the south side. Hell “H” street is the first road you can turn on from the south and its DIRT. ENOUGH OF THE BS and LIVE WITH IT. Report Reply 0 replies · active 332 weeks ago +12 Vote up Vote down guest · 332 weeks ago Heres a thought take a percentage of the revenue taken in from all these entertainment activities and pay for it that way!!!! Report Reply 0 replies · active 332 weeks ago +10 Vote up Vote down Tiffany · 332 weeks ago As one of those young drivers that droves the country roads and made mistakes, lets please remember that our children do have to learn to drive on all road conditions as we did too. They are going to make mistakes that could result in accidents but we have to hope and pray that they don’t get hurt. Let’s not use the younger generation as an excuse to pave a road that is only city to the park and county after that. Report Reply 0 replies · active 332 weeks ago +11 Vote up Vote down notlla · 332 weeks ago Those of us who live south of the tracks drive on dirt roads every day. No one cares about our roads. Maybe they need to do a little better job of grading the road up there. Report Reply 0 replies · active 332 weeks ago +6 Vote up Vote down Hmmm….. · 332 weeks ago Here we go with the roads again… This time I agree, your kids live in Kansas and they should know how to drive on dirt roads before you turn them loose with the keys. As for the visitors, most of them also live in Kansas, therefore they should be used to a little dirt from the road. I also agree that who ever is in change of grading that road should be more attentive knowing that it is used often by many people. It is less than three blocks of dirt and it is causing all this. I have an idea! Everyone get out and walk and you won’t have to worry about the car sliding. Report Reply 0 replies · active 332 weeks ago +11 Vote up Vote down anonymous · 332 weeks ago Take the high road. Report Reply 0 replies · active 332 weeks ago +8 Vote up Vote down ronco · 332 weeks ago short wheelbase cars like the one in the picture are very unstable on gravel roads. How about just some 20 mph speed limit signs. Another street in town that has been neglected is Mill from Woodlawn to C street, talk about an adventure and has been for 40 years. Report Reply 0 replies · active 332 weeks ago -6 Vote up Vote down iceman318 · 332 weeks ago There are a lot of older neglected streets in Wellington but it seems they only want to fix ones near schools and in rich neighborhoods. I truly believe they should start with them and work forward from there. I wonder why they are running up and down Lincoln and Harvey with the overloaded concrete trucks to fix Lincoln on the east side. USE THE BROKEN DOWN ROADS to traverse and save the ones already fixed so we don’t have to waste money again to re fix the damage on the good ones. Report Reply 0 replies · active 332 weeks ago 0 Vote up Vote down Mom of a teen · 332 weeks ago First, the road to Warden is and always has been very wash board like. I would love to see it done to acomidate the heavy traffic. I had hoped it would be done when my children played baseball. We do have a lot of roads in town that need attention and my hope is that our city gets to them all! I am hoping to see more big fixes done right and not patching to last a year or two. On our kids helping out Patti I am truely proud of our kids. It is great we can come together for anyone! Report Reply 0 replies · active 332 weeks ago +3 Vote up Vote down puppetsplus 44p · 332 weeks ago Not sure how the people who live on H street might feel–what happens to their taxes.. Report Reply 1 reply · active 332 weeks ago 12Next » Post a new comment Enter text right here! Comment as a Guest, or login: Login to IntenseDebate Login to Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Submit Comment Subscribe to None Replies All new comments Comments by IntenseDebate Enter text right here! Reply as a Guest, or login: Login to IntenseDebate Login to Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Cancel Submit Comment Subscribe to None Replies All new comments 2. Nothing to do? Well, this Tuesday get yourself out to the election polls, and vote for your favorite city council candidate. Oh, wait a second… There is no election.For the first time in 50 years, Wellington will not be holding a city council election. That was due to the restructuring of the city council in which the board was reduced from eight to six members, terms were expanded from two to four, and every election will be held on odd number years only. That is until the State of Kansas decides to move everything to November. But that’s a different issue.In years past, Wellington council members served two year terms with four of them up for election on one year and the other four on the other. A lot of these elections had council members unopposed.Kudos to the city council and local citizen J.P. Buellesfeld for implementing such a system that is not only cost saving to local taxpayers but saves us a lot of time. Do we really need another election?last_img read more