Beaks and berries

first_imgGotcha nuthatch. (Paige Plourde)Cascade Trail sun flare. (Paige Plourde)Blue Jay. (Paige Plourde)Someone’s feathers were in a twist. (Photo by Jane Naliboff)One tiny white-throated sparrow stopped by to refuel. (Photo by Jane Naliboff)The orange bowl. (Photo by Jane Naliboff)Mr. Red-bellied Woodpecker skids into the backyard bistro. (Photo by Jane Naliboff)All fluffed up to trap warm air against last week’s brutal cold and snow. (Photo by Jane Naliboff)Floating feather, Reid State Park. (Steve Muise, Farmington)Diving Sequence of a Drake Red-breasted Merganser, Reid State Park. (Steve Muise, Farmington)Hen Common Eider, Five Islands (Steve Muise, Farmington)Surf Scoter stare-down, Five Islands. (Steve Muise, Farmington)Five Islands Lobster boat with Winter plummaged Black Guillemot. (Steve Muise, Farmington)Shell on sand, Reid State Park. (Steve Muise, Farmington)Drake Red-breasted Merganser preening, Reid State Park. (Steve Muise, Farmington)Drake Red-breasted Merganser, Reid State Park. (Steve Muise, Farmington)Hen Red-breasted Merganser, Reid State Park. (Steve Muise, Farmington)Little kitty (or should I say baby bobcat ) scampers to safer grounds! Rangeley. (Jim Knox)Finally picking the Berry it wanted, Wilton. (Jim Knox)A male eastern blue bird shows up this week, Wilton. (Jim Knox)Only for the brave! An ice shack sits alone during a wind storm on Wilson Lake, Wilton. (Jim Knox)A Northern Shrike sits in the shadows. A song bird with a sinister look who waits for some small bird to come by! Wilton. (Jim Knox)Turkeys in a tree. (Bernadette Harvell)Mystery track I found in the Farmington woods behind my house. Never seen that formation before. Perhaps the readers can help identify what animal made it? (Bernadette Harvell)last_img read more

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Westbury Man Charged With Hit-and-run

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York An alleged hit-and-run driver accused of seriously injuring a gas station worker in Huntington 10 months ago was arrested this week, Suffolk County police said.Michael Charles, 29, of Westbury, was charged Friday with leaving the scene of an incident without reporting resulting in serious physical injury.Police said Charles was driving a Jeep Grand Cherokee out of the Sunoco on Jericho Turnpike when he struck 60-year-old Jaffery Syed of Greenlawn, was standing by the gas pumps on the afternoon of Wednesday, Feb. 13.Syed was airlifted to Stony Brook University Hospital in serious condition.Charles will be arraigned Friday at First District Court in Central Islip.last_img

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The FFIEC’s take on mobile financial services

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr I hope everyone had a wonderful Thanksgiving holiday! For me, the passing of Thanksgiving means its finally late enough in the year to start planning out the next year. Over the next few weeks, countless hours will be spent reading reviews for the best 2021 planners and diligently mapping out all the events, personal and professional goals and due dates already on my calendar for next year as well as completing my annual budgeting project. For all those out there who are not overly zealous planners, that’s okay, I accept you as you are. But, for those like me, you may also be gearing up for next year already.As we have all experienced the changes this year has brought, thinking about how to expand mobile and digital offerings at your credit union may be on the 2021 to-do list. So, today’s post covers the FFIEC’s guidance on mobile financial services. While there is nothing new to report, it can be a helpful refresher as you think about these services and how your credit union is implementing them.The FFIEC’s discussion on mobile financial services can be found in Appendix E of the Retail Payments Systems booklet. Mobile financial services (MFS) include any services offered through a mobile device and include four main types of services: text messages, mobile-enable web sites, apps and wireless payment technologies (such as tap to pay or person-to-person transfers). When considering MFS offerings, the guidance identifies four key risks along with ways credit unions may be able to mitigate these risks. This is placeholder text continue reading »center_img This post is currently collecting data…last_img read more

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Icelandic pension funds shift sharply into direct mortgage investment

first_imgIceland’s pension funds have expanded their investment in domestic mortgage debt sharply since the beginning of this year, as the state mortgage provider retreats from the sector.Multi-employer pension fund Frjalsi, for example, has increased its mortgage debt investment to around 5% of its €1.4bn in total assets in September, from 2% in the first two months of this year.Pension funds have traditionally offered top-up mortgages to their members but say they are now increasing this business mainly as a result of demand for mortgages increasing in the country.The pension funds said the Housing Financing Fund (HFF), an independent government institution that has traditionally been the main provider of mortgage loans in Iceland, has been reducing its mortgage lending in recent years. Marinó Örn Tryggvason, CIO at Frjalsi Pension Fund, told IPE: “Pension funds have been gaining market share both at the cost of the banks and the government’s HFF.”Late last year and early this year, he said, some of the pension funds changed their mortgage pricing strategies because they wanted to try out this market.He said the HFF’s shrinking share of the mortgage market may be because it had priced itself out of the market.But some see this retreat as a political move to reduce government-backed financing in the Icelandic economy, which could fall foul of EU rules on state aid.Iceland belongs to the European Free Trade Association (EFTA), but its position regarding accession to the EU is contentious, with the country having applied for membership in 2009, and put negotiations on hold in 2013.A general election is expected to take place on 29 October following anti-government protests earlier this year after the then prime minister Sigmundur Davíð Gunnlaugsson was caught up in the Panama Papers scandal.Kristjana Sigurðardóttir, CIO at Almenni Pension Fund, told IPE: “Mortgages for pension members has been increasing in the past few years, and this year, it has more than doubled at Almenni.”Traditionally, individuals in Iceland have been granted the vast majority of their mortgage loans by the HFF and have only topped this up by a small proportion from their pension funds, if at all, she said.“But now the pension funds have been stepping deeper into that market,” she said.“The banks are unhappy pension funds have been making such big inroads into the mortgage market and have taken this issue up with the regulator.”She said the regulator would be unlikely to restrict pension funds in this market, as that would reduce consumer choice.The HFF’s mortgage lending activity has decreased in tandem with its bond issuance.Pension funds have been one of the main buyers of HFF bonds, so the disappearance of these instruments has been part of reason the savings institutions have been seeking other forms of fixed income investment.Tryggvason said HFF bonds had previously made up the lion’s share of pension funds’ fixed income investments.He predicted the general shift of mortgage lending to pension funds would probably continue.“For Frjalsi, our exposure is very likely to go up to more than 10% next year,” he said.As investments, direct mortgage lending generates higher returns than Icelandic government bonds, being priced at approximately 1 percentage point above yields on government notes.But it is also considered a safe investment, since the average loan-to-value allowed on the home loans is between 50% and 65%, Tryggvason says.last_img read more

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34 Raceway car show, kick off party March 15-16

first_imgWEST BURLINGTON, Iowa – 34 Raceway is gearing up for its 2014 season with the annual Midwest Performance & Power Westland Mall two-day car show and the Roederer’s kickoff party Saturday, March 15 and Sunday March 16. Racers in all divisions taking to the track this season will have their cars on display at Westland Mall during regular mall hours both days.Saturday night, March 15 will be the Roederer’s 2014 Season kickoff party starting at 6 p.m. There will be prizes, food and drinks and fun.The 2014 lidlifter is Saturday, March 29 with the Brockway Mechanical Sprint Invaders season opener. Join us at Westland Mall in West Burlington and Roederer’s Pit Stop, 1100 Chalfant Street in Burlington this Saturday and Sunday as we get ready for an exciting and fan-friendly 2014 racing season at 34 Raceway. For more information on the upcoming race season at 34 Raceway go to www.34raceway.com and facebook.last_img read more

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Ferdinand seals QPR move

first_img “I spoke to Harry and (owner Tony) Mr Fernandes at length,” he told qpr.co.uk. “I think they both looked me in the eye and knew that I still have something to offer – that I had a genuine desire to come here and play football.” Following punditry work with BBC Sport at the World Cup, Ferdinand’s anticipated move to Loftus Road was completed on Thursday evening after he passed a medical. Ferdinand, whose younger brother Anton and cousin Les also had spells at QPR, had been linked with a move to west London some weeks ago before a hold-up believed to be caused by a wrangling over wages. But now that has been ironed out Ferdinand is looking forward to playing for a team he used to watch growing up. “There are great memories for me here – for my family,” he said. “Anton had nothing but good things to say about QPR and I watched Les here as a boy, with the likes of Ray Wilkins, Clive Wilson, David Bardsley and Alan McDonald. “I had a lot of offers from all over the world – some in places with a better climate than here. But the draw for me was to play in the Premier League and back here where it all started. The 35-year-old left Old Trafford at the end of his contract this summer following a trophy-laden 12 years with the Red Devils and will now remain in the Barclays Premier League as he looks to help keep the Hoops in the top flight. Ferdinand will also be reunited with Harry Redknapp at Loftus Road after the current QPR boss handed him his professional debut for West Ham as a 17-year-old in 1996, and the veteran defender is eager to prove he still has something to offer. Former Manchester United and England captain Rio Ferdinand has signed for QPR on a one-year deal. Press Association “It’s not about money – I had loads of more lucrative offers available to me. I still feel I’ve got something to offer and I’m excited about helping this club cement its place in the Premier League.” After establishing himself as a firm favourite at Upton Park, Ferdinand moved to Leeds in 2000 for a then-British transfer record of £18million. He was an integral part of David O’Leary’s young side that reached the Champions League semi-finals in 2001 and was installed as captain at Elland Road the following season. During his time in West Yorkshire, Ferdinand became an England regular and attracted the attention of Manchester United following an impressive showing at the 2002 World Cup in Japan and South Korea. Another big fee, reported to be almost £30million, saw Ferdinand move across the Pennines where he would go on to make over 450 appearances and win six Premier League titles, the Champions League, two League Cups and the FIFA Club World Cup. Ferdinand spent eight months on the sidelines in 2004 for missing a drugs test, sitting out the 3-0 FA Cup final success over Millwall and the entire Euro 2004 tournament. Having been named England captain in early 2010, Ferdinand missed out on leading Fabio Capello’s side in the 2010 World Cup due to a knee injury sustained in the build-up to the tournament. He announced his international retirement in May 2013 and went on to play one more season at United, making 23 appearances in a disappointing campaign for the Red Devils. Interim manager Ryan Giggs selected Ferdinand for the final-day draw at Southampton, with the defender announcing soon afterwards that he would be looking for a new club. Linking up with Redknapp always appeared to be a strong possibility and the R’s boss is delighted to be able to work with Ferdinand again. “Rio’s a fantastic player and a great professional, I’m delighted we’ve been able to bring him here,” he said. “I signed Rio as a 14-year-old. He was class on the field and off the field then, and he’s continued in that manner throughout his career. During his time at Manchester United, he was the best defender in Europe, if not the world. “To bring him to QPR, when he’s still got so much to offer in terms of his quality, class, experience and know-how, is a remarkable coup for the club.” last_img read more

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Ambris, Hope plunder New Zealand A with centuries

first_imgLINCOLN, New Zealand, (CMC) – Sunil Ambris wasted little time in pressing his claim for a spot in the West Indies Test side with an exhilarating, better than run-a-ball hundred against New Zealand A here Saturday.The right-hander smashed a stroke-filled 153 while Shai Hope gathered a composed 110 as the Caribbean side amassed 451 for nine on the opening day of the three-day tour match at the Bert Sutcliffe Oval.Roston Chase chipped in with 49, wicketkeeper Shane Dowrich scored 35 while captain Jason Holder got 31, to ensure the tourists’ domination in excellent conditions.West Indies had struggled early on, however, slumping to 45 for three in the morning session before the recovery came.Impressive fast bowler Lockie Ferguson, who finished with five for 67, removed both openers Kraigg Brathwaite (17) and Kieran Powell (7), before seamer Logan van Beek (2-60) accounted for Shimron Hetmyer (12).Brathwaite fell half-hour into the session with the score on 28, nicking a defensive prod behind and the left-handed Hetmyer lasted nine balls before he was taken in the cordon by Todd Astle with 45 on the board.Approaching the hour, Powell departed when he was lbw to Ferguson, leaving West Indies with a rebuilding job.Hope, classy and composed, then inspired the Windies fightback, adding 81 for the fourth wicket with Chase and a further 155 for the sixth wicket with Ambris.All told, the right-handed Hope faced 133 deliveries in 218 minutes and counted 20 fours and a six. Unbeaten on 20 at lunch with West Indies on 108 for three, he reached his half-century in the second session, to be 94 not out at tea.He raised three figures soon afterwards off 122 deliveries.Chase, meanwhile, unbeaten on 41 at lunch, perished in the sixth over afterwards – caught at second slip by captain Tom Latham off Ferguson at 126 for four.Jermaine Blackwood followed cheaply for four but Ambris arrived to plunder the hosts’ attack in an innings that required 145 balls, in just under 3-1/4 hours and included 24 fours and a six.He was not out on 51 at tea and eventually brought up his landmark off a mere 85 balls with 18 fours and a six.On 247 for five at the last interval, West Indies swiftly gathered 204 runs in the final session as Ambris went on a rampage against a tiring attack.The 24-year-old, who struck two hundreds in the recent Windies A series against Sri Lanka A in the Caribbean, displayed his superiority as he put on a further 89 with Dowrich for the seventh wicket and 53 for the eighth with Holder.WEST INDIES 1st inningsK Brathwaite c wkp Blundell b Ferguson 17K Powell lbw b Ferguson 7S Hetmyer c Astle b van Beek 12S Hope b Ferguson 110R Chase c Latham b Ferguson 49J Blackwood c Neesham b van Beek 4S Ambris c wkp Blundell b Ferguson 153+S Dowrich c Bennett b Worker 35*J Holder c Worker b Bennett 31R Reifer not out 1A Joseph not out 12Extras (b5, lb11, nb3, w1) 20TOTAL (9 wkts, 90 overs) 451To bat: D Bishoo, M Cummins, S Gabriel, K Roach.Fall of wickets: 1-28, 2-45, 3-45, 4-126, 5-135, 6-290, 7-379, 8-432, 9-438.Bowling: Bennett 16-1-87-1, Ferguson 18-2-67-5, van Beek 17-5-60-2, Neesham 14-1-67-0, Astle 14-2-97-0, Bruce 6-0-28-0, Worker 5-0-29-1.New Zealand A – *T Latham, J Raval, G Worker, N Broom, T Bruce, +T Blundell, J Neesham, T Astle, L Ferguson, L van Beek, H Bennett.last_img read more

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Tipp men retain places for Stade clash

first_imgDave Foley from Clonmel has also retained his place in the team selected by coach Anthony Foley while Nenagh’s Donnacha Ryan is fit enough to chosen amongst the replacements.Scrum half Connor Murray says even though they’re out of the competition they need to come up with a good performance.last_img

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Asamoah Gyan crowned as 2014 best foreign player in Asia

first_imgGhana striker Asamoah Gyan has received his award as the Best Foreign Player in Asia for the year 2014.The Black Stars captain was presented with his award before Saturday’s training session with his UAE club Al Ain.Coach of Al Ain Zlatko Dalic with his backroom staff and the rest of the players gathered to celebrate with their lethal striker before the morning’s workout.The Asian Confederation (AFC) announced Gyan as the Best Foreign player late last month following his heroics in the 2014 Champions League where he emerged top scorer with 12 goals – two more than closest rival Al Hilal’s Nasser Al-Shamrani.Asamoah Gyan with his Al Ain teammates celebrating his feat Gyan’s goals were however not enough as his side crashed out of the competition at the semi-final stage to Saudi Arabian club Al Hilal.His goals and overall performance in the Champions League plus his ever-improving record in the UAE made him the obvious choice.The former Sunderland man has won consecutive Goal King awards ever since making the unpopular move to the UAE in 2011.He is statistically, the best African player in 2014 – a record that his earned him his second nomination for the CAF African Player of the Year award which will be revealed early next year in Lagos.last_img read more

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