With so many festivals getting rained out in recent years, Live From The Lot has planned ahead! The Philly-area festival was hosted by the Ardmore Music Hall, with plans for music performed in the venue’s parking lot. Scheduled for this weekend and running from May 20-22, the outdoor fest has announced that all Saturday programming will now be moved to the Electric Factory venue. According to the press release, the Ardmore was just not large enough to hold all of the many musicians scheduled to perform this Saturday, but fortunately E-Factory was able to step in at the last minute and save the day!You can read the fest’s full announcement below for any specific planning details. The show must go on!Hey all – We’re so excited for what will be a very special Live From The Lot weekend. As you may know, the forecast for this Saturday in Philly is very bleak; we’ve consulted 2 meteorologists and have been checking every weather site obsessively. The predictions are clear: 1-2 inches of rain and 60 degrees, enough to make the day very uncomfortable, with the possibility of a forced cancellation- which we do not view as an option given the incredible talent coming to town.Here’s the call: all Saturday programming will be moved indoors to the Electric Factory in Philadelphia. SUNDAY WILL REMAIN IN ARDMORE AS SCHEDULED, where we expect sunshine and a tremendous celebration. We are so thankful that our friends at EF are available and willing to accommodate; we feel confident that this is the best case scenario for all involved, especially the artists and all of you, the fans!As a team we have worked tirelessly over the past 48 hours to make the best and most informed decision, with the ultimate goal of prioritizing the weekend-long experience for everyone. Moving inside The Ardmore Music Hall was not an option given the amount of musicians and capacity of the space, nor was tenting the parking lot. We’re stoked to have the entire Philadelphia music community coming together to pull this off, and especially grateful for the Electric Factory as a welcoming host; that is a tremendous blessing. We hope you will all understand and support this decision, and rally behind us and the incredible bands that will be performing.What you need to know:Our amazing production team is going to build a 2nd stage in the Electric Factory- unprecedented!- to ensure that ALL performers get to play as scheduled.The Everyone Orchestra show (Sat. 5/21, 10:30 PM) will take place at the Electric Factory, following Snarky Puppy, on Saturday night. Tickets are available online and will be available at the Electric Factory box office the day of show for $15.Our Ardmore Music Hall team will of course be there to celebrate with everyone and help create a magical experience; we’ll bring our small venue vibe to the famed Factory space in numerous waysVIP tickets will remain as advertised, as we have worked with the Factory to create a space that delivers on all of our promises from reserved seating, to a private bar, and much moreRe-entry will be allowed, just as it will be in the parking lot in ArdmoreElectron w/ Tom Hamilton’s American Babies, on Friday night 5/20, will take place as scheduled in Ardmore.We thank you for your excitement and support, and cannot wait to beat the rain and enjoy an amazing weekend with everyone.Game on!
Eight-piece Houston, TX-based funk, soul, and R&B ensemble The Suffers have been all aboard a wild and exhilarating ride since their inception in 2011. The Suffers exploded onto the scene in 2015 with their dazzling Make Some Room EP, which was followed up by their critically acclaimed self-titled debut album in 2016. The band kept their noses to the grindstone with worldwide tours and late-night talk show appearances, finally releasing their highly anticipated sophomore LP, Everything Here, in July 2018.Everything Here is a compelling collection of 15 originals that pay homage to Houston, and even includes cameos from H-town rappers Paul Wall and Bun B. The album explores the many sides of love and relationships, as well as the strifes and struggles that are accompanied by the repetitive “9-5” lifestyle, while also celebrating the virtues of each band member’s individuality. Hurricane Harvey hit Houston hard in August 2017, with its devastation in many ways comparable to the catastrophic damage Hurricane Katrina unleashed on New Orleans in 2005. Everything Here provided a sonic tapestry for The Suffers to express their emotions in the wake of the devastating natural disaster.Despite some of the album’s dark and dreary themes, Everything Here encompasses all of life’s gifts and curses, as we see on the band’s soul-driven track, “All I Want To Do”. Written by drummer Nick Zamora while still in high school, “All I Want To Do” explores the virtues of following your heart. The octet leaves listeners with words to live by, as they proclaim, “If it don’t taste good, I don’t have to eat it. If it don’t fit well, I don’t have to wear it. And if it ain’t broke I don’t have to fix it.” The band’s powerful message is accompanied by a snappy snare beat, electrifying brass lines, and Kam Franklin‘s soul-lathered lead vocals.Franklin shares about the band’s ever-evolving progress and new video,The last 8 years have been a complete whirlwind for us. We’ve traveled the world, performed alongside our idols, and we’ve met so many incredible people along the way. Performing our music every night is a dream in itself, and this video showcases a small part of the incredible journey we’ve been on so far. We look forward to all the adventures to come.You can check out the Live For Live Music premiere of The Suffers’ new “All I Want To Do” video below:The Suffers – “All I Want To Do”[Video: The Suffers]The Suffers are currently in the midst of an extensive tour. Check out a full list of the band’s upcoming tour dates below. For ticketing and more information, head to the band’s website.The Suffers 2019 Tour Dates:3/7 El Paso, TX at Lowbrow Palace3/9 Phoenix, AZ at Flying Burrito Festival3/11 San Diego, CA at Soda Bar3/12 Los Angeles, CA at The Echo3/14 San Francisco, CA at The Independent3/15 Petaluma, CA at The Mystic Theatre3/17 Portland, OR at Mississippi Studios3/19 Seattle, WA at Tractor Tavern3/21 Boise, ID at Treefort Festival3/24 Denver, CO at Globe Hall4/13 Dallas, TX at Homegrown Music and Arts Festival4/25 Baton Rouge, LA at Mid City Ballroom4/26 New Orleans, LA at One Eye Jacks5/4 Memphis, TN at Beale Street Music Festival5/19 Knoxville TN at Rhythm And Blooms Festival5/26 Austin, TX at Hot Luck Food and Music Festival7/14 Greenfield, MA at Green River Festival9/8 Knoxville, TN at Moon River FestivalView Tour Dates
Read Full Story On March 14, the Harvard Law School Environmental Law Society presented its annual Horizon award to Bruce Babbitt ’65, who previously served as secretary of the interior and governor of Arizona. The award is a means of recognizing great people who have accomplished great things in the field of environment and natural resources law, and to provide a forum in which to discuss those achievements, said HLS Professor Jody Freeman LL.M. ’91, S.J.D ’85, founding director of the Harvard Law School Environmental Law and Policy Program.In introducing Babbitt, Freeman listed some of the highlights of his career. In addition to serving in federal and state government, he established the National Landscape Conservation System, led the effort to restore the Everglades, strengthened the Endangered Species Act in the face of rollbacks, and prevented funding cuts to environmental programs.She praised Babbitt for “making progress on environmental and natural resource protection through his sheer ingenuity, his dedication to vision and his personal commitment and engagement.” Freeman’s introduction was followed by remarks by Ed Norton ’71, a lawyer who has long focused on conservation and preservation in the U.S. and abroad.Read more about the event and watch a video on the Harvard Law School website.
Xcel, Hewing to ‘Steel for Fuel’ Strategy, Presses Ahead With Wind Farms in Texas and New Mexico FacebookTwitterLinkedInEmailPrint分享Utility Dive:The Texas Public Utilities Commission voted to approve two wind farm projects from Xcel Energy’s Southwestern Public Service — a 478 MW project in Hale County, Texas and a 522 MW wind project in Roosevelt County, New Mexico. New Mexico regulators had approved the proposal in March.The Commission also approved the power purchase agreement between the utility and NextEra’s Bonita Wind Energy, as part of Xcel’s acquisition of the Hale project. SPS will purchase an additional 230 MW of wind generation from two Texas-based wind farms.Combined, the two projects will require 500 turbines from Vestas-American Wind Technology. Xcel has close to 1.6 GW of wind energy available in its Texas-New Mexico generation mix and its proposal will nearly double that, adding 1.2 GW.The expansion had a false start in April, when the Commission gave a voice-vote approval for the $1.6 billion deal, but delayed a final order to allow the parties to file written responses regarding cost recovery and other concerns expressed by the regulators. Xcel’s subsidiary appeared before the Commission regarding their proposal four times, according to RTO Insider. Now construction can begin on the two wind farms.SPS told the commission that the power purchase agreement and the two wind projects will lead to net savings for customers.Announced in March 2017, the major wind energy expansion contributes to Xcel’s growing renewable energy footprint. The project is part of Xcel’s Steel-for-Fuel strategy, as defined by Xcel CEO Benjamin Fowke during the company’s Q1 earnings call in April.“Because of the strong wind resources in our service territories, we have the unique opportunity to invest in renewable generation in which the capital cost could be more than offset by fuel savings,” Fowke said during the call.Xcel is also pursuing regulatory approval for wind energy projects in Colorado and Minnesota. If the Minnesota Commission approves the company’s proposal, Xcel could become an industry leader in wind energy, with more than 10 GW of wind capacity.More: Xcel to add 1.2 GW of wind to Texas, New Mexico mix, as PUC gives formal OK
13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The push toward a cashless economy is already well underway in some parts of the world. India’s prime minister issued a ban on the largest currency notes late last year, for example. The result of that action was an 86 percent reduction in paper money.Other countries have embraced their own cash-free campaigns. Cork, Ireland, launched a three-month pilot project to become the country’s first cashless city. Likewise, Sweden, Belgium, Denmark and Norway are on their way to becoming less cash-centric nations.Cutting cash means consumers must find another way to pay. Digital payments quickly become a go-to option. The “Cork Cashes Out” initiative boosted digital payments by 522 percent. On the other hand, card transactions only saw a 17 percent lift.While cash in the U.S. isn’t going anywhere anytime soon, digital is shaking up the payments landscape. Below are a few ways cash payments are being disrupted by digital. continue reading »
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Payment fraud prevention is an increasingly complicated and constantly evolving business. Issuers and merchants everywhere are being challenged by a growing variety of payment methods, which are fuelling the rise of ever more sophisticated card fraud techniques. Despite awareness of the scale of the problem, and the proliferation of innovative new technologies, the volume of fraudulent transactions is continuing to grow across Europe. To stem the tide, financial institutions need a new approach.Changing the rulesPart of the problem is that regulations do not stop payment fraud; they simply encourage it to migrate between departments and regions – writes Sune Gabelgård, Head of Digital Fraud, Intelligence & Research at Nets. The case for payments regulation like PSD2 goes like this: the Strong Customer Authentication (SCA) requirements mandated are so stringent that they will stop fraudsters in their tracks.Except…not quite. In reality, criminals will react to the EU legislation by changing their modus operandi. Fraudsters are very agile and used to adapting to new landscapes. For them this is not the end of the road, but merely a fork in it. In the long term, they will develop new, more advanced tactics that will enable them to resume targeting European consumers and merchants once more. In fact, as early as January 2018 we were seeing criminals preparing for and testing how they will commit fraud in a post-PSD2 world using shell companies and sophisticated social engineering. continue reading »
3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Guy Messick Guy A. Messick is General Counsel to the National Association of Credit Union Service Organizations (NACUSO) and principal in Messick & Lauer P.C. in Media, PA. www.CUSOLaw.com Web: www.cusolaw.com Details The path of innovation is not a straight line. As Ben Morales of Q-Cash says, you have to be nimble and willing to change. You start down one path and it may lead in directions you did not anticipate. Be ready to pivot to the opportunity if it will better serve the members. As a result of this journey, WSECU has used technology and data to provide unique and compelling benefits to their members.Let’s assume you have all the technology and data analysis tools you need to be competitive, why should a person choose to be a member of your credit union? Are there any value-adds of membership? Most credit unions have both consumer and business members. Connecting individual members to business members for discounted services is a win-win-win. Both sets of members will enjoy a tangible benefit of membership and the credit union will grow in membership.However, the most compelling member benefit is cold hard cash. Many credit unions declare an annual member dividend. That is an annual reminder of the credit union difference. For example, DFCU Financial pays a patronage dividend on loan and deposit balances. The more a member uses the credit union, the more value the member perceives and receives. In the first thirteen years that the program has been in place in a state where the population is declining, membership has grown 49% and the average deposit balance per member has grown over 105%. DFCU Financial has paid back almost $300 million to its members over thirteen years for an average of $23 million per year. The difference between DFCU Financial and other patronage paying credit unions is the dividend calculator on its website. Check it out for yourself. The total amount of the patronage dividend pot grows in front of your eyes and you can calculate your portion of it. It is a constant reminder that credit unions are different and the member benefits cannot be replicated at banks or fintechs.The first stage of solving a problem is understanding that you have a problem. Credit unions that do not see the problem or see the problem but do not respond, should be prepared to pick a credit union to merge into. You will not survive as an independent credit union. If surviving as an independent credit union is important to you and the credit union cannot afford the necessary resources on its own, I highly recommend collaboration as means to obtain the scale to afford the resources to compete in today’s world. But that is subject for another day. Ed Callahan used to say that the answer to all credit union strategic questions can be determined by first asking “What is best for the members?” It was excellent advice then and it is now. We, in the credit union world, often look at problems from the credit union’s perspective. How does the credit union make more net income? How do we grow the credit union? The answers to those questions are important but let’s start at the core question. What do our members want and how can the credit union deliver? In the past, this thinking led to credit unions introducing checking accounts, mortgage loans and business loans to meet member needs.Today, in my humble opinion, members are looking for four benefits. First, they are looking for financial products that are competitive on value and price. Second, they want to access the services quickly and conveniently. Third, they want the ability to access financial advice conveniently. Fourth, they want to receive unique value from their membership.Forget that you run a credit union. Put on your consumer hat and look at credit unions as one choice among many . . . one more cereal box on the shelf. Why would you choose a credit union over another credit union, bank or fintech? Credit unions are no longer the market disrupters. You can go online and find many competitors with more favorably priced services which are delivered more quickly and more conveniently than most credit unions can deliver. If you can apply and get a mortgage loan in the same day, why would you wait a week or two for an approval? Why go to grandpa’s credit union . . . nice people but they take so long to do anything.If credit unions are going to be competitive in the 21st Century, credit unions will require an innovative mind-set coupled with technology tools, data analysis tools, revised processes and the expertise to execute. How do credit unions deliver on consumer expectations in the 21st Century? Let’s look at the example of Q-Cash, wholly owned CUSO of Washington State Employees’ Credit Union (“WSECU”). The following is the series of questions and answers that led WSECU on its path of innovation.How can we help our members using payday lenders and paying enormous levels of interest for short term, small balance loans? WSECU developed an alternative payday loan program that complies with Washington State’s laws that has much lower interest rates. Members who use WSECU’s program, saved substantial interest costs. Currently, the maximum amount of their alternative payday loan is $4,000.How do we underwrite the loans more efficiently and effectively so we can continue to afford to provide the alternative payday loan program? WSECU analyzed their loan data to determine what factors were the most effective in predicting loan repayment and narrowed the underwriting criteria to just six questions. This simplified the process and reduced the cost of WSECU’s loan approval process. This underwriting and process change required good data that was expertly analyzed and the courage to be different.Some members that need payday loans go to storefront payday lenders because they are embarrassed to apply at credit union branches. How do we deliver the loans to members more discretely? How can we continue to lower the costs to provide the loan program? WSECU’s CUSO developed the Q-Cash App which permits a member to apply any time of the day and night for a loan with the six questions. If the underwriting criteria is met, the loan is funded immediately and automatically. Funding without human intervention is another significant process change.How do we extend the benefits of this technology to all members for other loan products and reduce our costs to serve them? The Q-Cash App was designed to permit WSECU to vary the terms of a loan offer. WSECU uses its member data to develop pre-approved terms for credit card loans and other unsecured loans which are customized for each member. If a member has a credit card loan with another provider, the member is provided a competitive offer to move the credit card loan to WSECU. The lesson here is that once you have the data, technology, and improved processes for one application, it is likely that there are other ways to leverage them.How do we help our members meet their financial goals and specifically how do we help our members who use payday alternative loans become financially stable? WSECU is developing a Financial Wellness App. The App has financial literacy tools, the ability of the member to set his or her goals and access to a live coach, but the secret sauce is the use of data and artificial intelligence. The App uses the member’s data at the credit union and the behavior of the member to coach and nudge the member to behave in a way that will accomplish the member’s financial goals. A nudge might be, “Going to a restaurant, once a week instead of three times a week will help you save enough money to meet your goals for your vacation fund.” If one method of coaching and nudging does not work, the App tries other methods until the member takes actions to meet his or her goals. The App learns what works to motivate the specific member. The methods used by the App uses similar technology and techniques developed to favorably influence behavior of diabetes patients. If the purpose of credit unions is to help members manage thrift, this App is the ultimate tool.How can we recover our costs of development to re-invest in other resources to benefit our members? Q-Cash is selling the Apps to other credit unions which will enable them to have similar tools to better serve their members.
The 14th Amendment says that if you are born in the United States, you are an American. Period. You are not a German-American. You are an American of German descent. You are not an African-American; you are an American of African (name the country) descent.Suppose a court takes the first 50 people arrested at the next protest (preferably 25 from each side of the conflict). At arraignment, have the judge offer all of them all a “Get out of Jail Free” card. To get it, they must agree to a mouth swab. Then DNA testing will determine just how “pure” they really are. Also, they must agree, in writing, to allow the results to be published in their hometown newspapers, as well as a national one (say USA Today).Most will be surprised by the results. There might be some African in their Aryan blood. Perhaps, they are 20 percent Jewish. Or maybe some may have American Indian blood running through their veins.David Duke, are you reading this? Will you be the first to get swabbed? What about you, Al Sharpton. Did your grandparents really come from Africa? How about you, Donald Trump? Can we swab you, as the “First Birther?David LucierNiskayunaMore from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsPuccioni’s two goals help Niskayuna boys’ soccer top Shaker, remain perfectFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Beware of voter intimidation I think I have a solution to the problem with those siding with Nazi sympathizers, the KKK or the so-called “skin heads,” claiming they are 100 percent of the Aryan race. The same may true with other believers in their racial purity. Categories: Letters to the Editor, Opinion
Topics : The building, which comprised of 47 flats, fell almost like a pack of cards, said a police official at the disaster site.Local residents and police combed through tin sheets, metal rods and other wreckage in a desperate search for survivors as ambulances rushed injured to nearby hospitals amid heavy monsoon rains and fears of Covid-19 infections.The cause of the accident was not clear. But building collapses are common in India, usually due to shoddy construction, substandard materials and disregard of regulations.Every year, heavy downpours during the June to September monsoon season bring down rain-sodden small and large structures deemed too dangerous to live in.More than 1,200 people were killed in 1,161 building collapses across India in 2017, according to latest data from the National Crime Records Bureau. Rescue workers pulled more than 60 people alive from the rubble of a collapsed building in an industrial town near India’s financial capital Mumbai, a senior official said on Tuesday, as rescue efforts continued.The five story building near a slum district in Mahad, which housed roughly 200 residents, caved in on Monday evening.”One resident was dead and at least 30 were still trapped,” said Bharatshet Maruti Gogawale, a local lawmaker in Mahad situated about 165 km (100 miles) south of Mumbai.
South Korean shipbuilder Daewoo Shipbuilding and Marine Engineering (DSME) has reportedly been faced with another worker protest, resulting in suspension of operations at a giant dock crane at one of its facilities.According to the reports from Korean media, two workers from DSME’s metal union mounted a 40-meter tall crane and launched a sit-down strike, demanding pay increase.Talks between the shipbuilder and the metal union have been underway for over nine months, however, no progress has been achieved. The union is said to be asking for a 4.11 pct wage rise on the back of improving business performance at DSME.The demand is contrary to DSME’s strategy, which envisages wage freezes and return of 10 pct of wages, as part of its cost cutting measures.Just this month, DSME secured a number of orders, including a contract from BW LPG for two LNG carriers including options for up to four more. The company has also won a deal to build an LNG carrier for the Greek shipowner Maran Gas Maritime, the 101st vessel for the company in total.So far this year, DSME’s orderbook is comprised of 43 vessels worth about USD 6.22 billion. These include 15 LNG carriers, 16 crude oil carriers, 7 ultra large containerships and 5 special purpose ships.World Maritime News Staff