ALAMEDA — Trent Brown stood in the middle of a Super Bowl celebration last month in a state of euphoria and sadness. As confetti fell inside Atlanta’s Mercedes-Benz Stadium, the New England Patriot’s tackle kissed the Lombardi Trophy and said, “Weezy, that was for you.”Neiron Ball, aka “Weezy,” was unaware of his best friend’s tribute after the Patriots defeated the Los Angeles Rams 13-3. Ball, a former Raiders linebacker, is in a coma at a long-term care facility in Georgia after an aneurysm …
Share Facebook Twitter Google + LinkedIn Pinterest There was abundant field activity last week as temperatures remained above normal and rainfall was very light, according to Cheryl Turner, State Statistician, USDA NASS, Ohio Field Office. There were a season high 5.7 days suitable for fieldwork during the week ending July 14.Clear skies allowed farmers to spray herbicides and side dress fields where necessary. Corn leaves were rolling on sandy soils and in hot, dry areas of the State. Soybean and corn conditions improved slightly from the prior week as the rains slowed and fields dried out. Reports of corn and soybean replanting meant varying levels of plant progress within some fields and overall delayed maturity.Wheat combines rolled quickly, as wheat harvested progress was up 35 percentage points from the prior week. Oat condition improved slightly from the prior week as 42 percent of the crop was rated in good to excellent condition. The hot, dry weather was good for making hay last week. First cuttings of hay have mostly been taken off of the fields and second cuttings were well underway, although all hay progress was still behind the 5-year averages. Pasture and range condition improved slightly to 44 percent good to excellent condition.You can read the full report here.
The world of financial technology is not just hot right now — it is fast becoming a force to be reckoned with. Investment dollars are flowing in at an alarming rate. It is a land grab in which the hottest competition is for the space in Americans’ wallets.Fintech companies are competing to have their debit cards be consumers’ No. 1 choice, even if it sometimes doesn’t make sense for the company to provide this service. In order to lock-up that interchange rate (the charge that covers the handling and risk of card transactions), fintechs are targeting younger consumers. 73% of customers 18-34 said they would be willing to try a card from a tech firm they already use.This information from customers fits the business model, and legitimately adds value to the customer. Offering a debit card is a valid strategy. The revenue associated with interchange (every time a card is swiped, that fintech earns a portion) can be significant for a fintech startup.But with the recent influx of cards — it’s essential to do something unique. “Just another card” is not going to penetrate the zeitgeist.There’s Gold Out ThereTake a look at Acorns, a six-year-old investing and savings company. For every purchase with the Acorns card, the partner retailer will deposit a reward into the consumer’s account. With recent backing from Comcast Ventures, NBCUniversal, and Bain Capital Ventures, Acorns’ valuation skyrocketed to $860 million.But that also highlights the scary thing that’s being whispered around Sand Hill Road. There is irrational exuberance from venture capitalists pushing their fintech startups toward debit cards and that oh-so-beautiful interchange rate. These debit cards — dare I say “fads” — are not based in real use cases. Funding for fintech startups hit $11.89 billion in 2018, the highest in five years. The monetary flood is inflating valuations way too soon in startups’ growth cycles.It’s founders’ responsibility to push back and do the right thing for their businesses, but having venture capitalists pushing that “hot strategy” on their investments is a scary proposition.Positioning for SuccessAgain, if fintech startups wish to embrace the debit card strategy, they need to put some more profound thought behind the offering.Instead of just chasing the latest fad, companies need to truly create the most value for their customers.Here’s how:1. Don’t reinvent the wheel.Charge for the product. Digit, the popular money-saving app, took a lot of heat in 2017 when the company announced it would implement a $2.99 monthly fee. Added features did little to salve angry customers, many of whom said they’d pull their funds. A year later, CEO Ethan Bloch said Digit had helped clients set aside more than $1 billion. Digit made a decision that dramatically shifted the economics and significantly increased sustainability. If a product indeed provides value, consumers will pay for it.2. Provide value through recommendations.If the fintech startup has built significant trust with its user base, recommendations and third-party offers can be a scalable monetization strategy. Credit Karma is a great example of this. Users trust Credit Karma to provide an up-to-date, accurate credit score. This relationship is a perfect platform to suggest credit cards, loans, etc., that all flow from the quality of the user’s credit score. Every card and loan is monetized. Value for the user. Revenue for Credit Karma. Mutual alignment.3. Partner for profit.Find a partner that adds value to your platform, integrate it, and charge for it. Accounting apps are an excellent example of this. Often dependent on free software to run their books, freelancers and solopreneurs generally don’t withhold enough on their taxes. Integrating with a company such as Track could provide a path to additional revenue. Track, one of the first cohorts of nbkc bank’s partner accelerator Fountain City Fintech, uses machine learning to analyze freelancer earnings, differentiate between W-2 income, and withhold taxes. Integrating Track’s application programming interface and charging an additional fee for tax withholding and remittance could be a lucrative strategy.4. Don’t rule out tipping.The “pay what’s fair” model has picked up steam as Aspiration, and many others have brought the standard to the world of fintech. Aspiration’s product is free, and consumers can decide how much they’d like to tip. The information is not public, but according to folks close to Aspiration, the numbers are favorable compared to what similar companies make per customer.There are a lot of dynamics at play that determines which card consumers choose to use for purchases. On average, Americans have 2.6 credit cards. And credit cards generally come with much more significant rewards than debit cards. Consumers are incentivized to use the card that benefits them the most. The likelihood that a fintech startup’s card will have staying power is low.Consumers are fickle, and businesses are hard to build for the long term. The need for fintech startups to develop business models with diverse revenue streams is paramount. What it Takes to Build a Highly Secure FinTech … China and America want the AI Prize Title: Who … Zach Pettet Zach Pettet is VP of fintech strategy at nbkc bank, a community bank in Kansas City, Missouri, and managing director of nbkc’s accelerator, Fountain City Fintech. AI: How it’s Impacting Surveillance Data Storage A Web Developer’s New Best Friend is the AI Wai… Tags:#debit cards#Fintech Related Posts
Two days ago Megan Campbell was on her way to Melbourne to watch the world’s best tennis players battle it out for the Australian Open. Today Megan marched, cloaked in green and gold in the Opening Ceremony of the Youth World Cup and will begin her campaign for World Cup glory as part of the Australian 18’s Women’s side this afternoon. How life can change in two days. Before this tournament, Megan had only played at National Touch League level in the Sydney Scorpions Womens Open team. She gained selection in the Womens 18’s and 20’s squads for the Youth World Cup and for NSW in the State of Origin 2004 series. Prior to her round one game today Megan had only two 45- minute training sessions with her team, but says fitting in with them on and off the field has not been a problem. “All the girls were really welcoming and really nice about me coming into the team late, they were all glad it wasn’t them,” said Megan. Even though Megan has entered the team late, she is still very proud to be playing touch at this level and representing her country. “It’s such an honor to play for Australia, I’m having heaps of fun, and it’s great to be able to interact with Touch players from all around the world,” said Megan. Andrew Knox was at Barbarians training in Western Australia just about to pass the ball when his phone rang….and it wasn’t his mum. The voice on the end of the line was Australia’s Elite programs Director, Cathy Gray asking him if he could fly to the Sunshine Coast to represent Australia in the Men’s 20’s teams at the Youth World Cup. Barbarians training and NTL’s quickly became the last thing on Andrew’s mind as he rushed home to organise time off work and flights to the Sunshine Coast. “I was pretty disappointed to not make the team originally, so I was stoked when I got the call that they needed me in the team,” said Andrew. This is Andrew’s debut at an international tournament, the highest level he has previously played being Men’s Opens for Barbarians at NTL’s. Fitting into his team on and off the field has not been a problem for Andrew either. “They’re all top blokes so it was easy to come into the team, but it did take a while to learn all their names in one day,” said Andrew. Andrew is proud to represent his country at the 2005 Youth World Cup, and feels extra privileged to be in an Australian team. “It’s great, it’s definitely not something that happens everyday,” said Andrew. By Lisa Plummer
TagsTransfersAbout the authorCarlos VolcanoShare the loveHave your say Real Madrid closing on deal for Malaga prospect Chechuby Carlos Volcano10 months agoSend to a friendShare the loveReal Madrid are closing on a deal for Malaga prospect Chechu.Marca says Malaga defender Jose Martinez Lopez, known as Chechu, is on Real’s radar.The centre-back has been capped three times with the Under-17 national team and has drawn the attention of La Fabrica for his power and physical attributes.His height of 187 centimetres means that he dominates in the air in both areas.Chechu has been capped at U17 level by Spain.
NEW DELHI: The Punjabi Academy of the Delhi Government has organised a three-day Gurbani Sangeet Samagam 2019, to celebrate the 550th birth anniversary of Guru Nanak Dev.The annual cultural festival of Gurbani Sangeet is organised between September 6 and 8 at Talkatora Stadium of Delhi. This was the 15th year of the festival with performances of Punjabi spiritual songs and recitation of messages from the Guru Granth Sahib. The festival started with the performance of Aprampar Kirtan Group of Guru Nanak Dev Ji Khalsa College, Delhi and other singers by chanting the messages of the Holy Book Guru Granth Saheb. The unique musical tradition established by venerated Sikh Gurus of India which is nearly five-century old practice was presented in the festival by various artists. Also Read – After eight years, businessman arrested for kidnap & murderThe festival has always been a most awaited event of Delhi’s cultural life and people look forward to this festival of love, spirituality and brotherhood rendered traditionally through Raagas, as originally composed and enshrined in the Guru Granth Saheb by the Sikh Gurus. On the first day performance by Smita Rao Bellur of Mumbai and Principal Sukhwant Singh Jandiala Guru, Amritsar took place. On the second day, Ustad Lakhan Khan-Dane Khan of Rajasthan and Bhai Davinder Singh Bondal of Jalandhar performed at the event. On the last day of the festival, Delhi will witness performances from Bibi Rashmi Agarwal, Ghulam Abbas Khan and Bhai Baljeet Singh Namdhari. Also Read – Two brothers held for snatchings”Delhi has a very rich Punjabi culture, therefore, my goal is to present the message of inclusion and harmony of Guru Nanak Dev through cultural programs. I believe that culture is the best way to convey messages to the people of Delhi across religion. This festival will not only help to enrich the Sikh tradition of Delhi but also give a chance to the people to witness and explore the philosophy of Guru Nanak Dev and other Sikh Gurus,” said Delhi Deputy Chief Minister Manish Sisodia.
Houston Astros(Chance of winning the World Series: 4 percent)Don’t sleep on the ’Stros. Although the Astros are only the second wild card, they show some intriguing potential for October contention. After several much-derided moves to strengthen the bullpen in the offseason, Houston had the second-best relief corps in the major leagues (by wins above replacement). It doesn’t have the top-end relief aces of, say, the Yankees, but the Astros can count on a number of solid arms to bail them out in high-leverage situations.And don’t get put off by the Astros’ second-half swoon, because the team seems to have been unlucky this year. They sport the fourth-best Pythagorean record in the league (but the 10th-best record), and the team lost 17 runs on offense because of unfortunate clustering of their hits, another sign of poor fortune. Even these statistics may be underrating Houston, because a large portion of their production comes from young players who were called up mid-season, like shortstop Carlos Correa and starting pitcher Lance McCullers. The Astros team that the Yankees are facing in the play-in game will be significantly improved from the one that started the year.New York Yankees(Chance of winning the World Series: 5 percent)This Yankees team feels like the prototypical Bronx outfit of the past few years: a team filled with a gaggle of aging veterans on massively overpaid free-agent contracts. Outfielder Jacoby Ellsbury is the current exemplar, and catcher Brian McCann was last year. Together, the Yankees boast the highest average age for position players of any team in baseball, when you weight the players by their WAR contribution. Age and the injuries that come with it make the current Yankees team less intimidating than the one that racked up 87 wins in the regular season. The Bronx Bombers lost their most productive hitter, first baseman Mark Teixeira, after an August injury, and other older players may feel the wear-and-tear more than most.What may make the Yankees unusually dangerous in the playoffs is their incredible late inning relief crew. Their setup man is the intimidating Dellin Betances, who just finished one of the 20 best reliever seasons of the past five years, and their closer is Andrew Miller, whose season ranked in the top 40 on the same list. Although the bottom of the bullpen is more questionable, Yankees manager Joe Girardi can conceal it behind two of the best relievers in baseball, which presents a tactical advantage in the playoffs.Texas Rangers(Chance of winning the World Series: 9 percent)After suffering by far the most injuries last season, the Rangers bounced back to take the division this year. But the Rangers’ playoff position belies the performances of their players. They are 12th in position-player WAR and 20th in pitching. The Rangers’ run differential is a perfectly adequate +18, which puts them more in the range of the Orioles (+20) and Diamondbacks (+7), two also-rans. Indeed, by Pythagorean record, the Rangers ought to have lost the second wild card to the Indians.So the numbers suggest that the Rangers aren’t long for the playoffs, but there are some minor reasons to believe that the Texas roster is stronger than it appears. The deadline trade for Cole Hamels gave them a potent and dependable frontline starter. Rougned Odor has been one of the best second basemen in the majors since being recalled after being demoted to the minors.Even so, it’s hard to buy into the Rangers as genuine contenders. They lack the outstanding bullpens of last year’s surprise teams and don’t match up especially well with the rest of the AL field. Although this season is an unexpected success for Texas, it’s hard to imagine it continuing too far into October.Kansas City Royals(Chance of winning the World Series: 13 percent)Now we get to the class of the league. The Royals are one of the most unexpectedly formidable teams of the past few years. Whether by luck, chemistry or a secret ingredient that the rest of the league has yet to discover, Kansas City has managed to baffle the majority of the preseason prognosticators this year, and I am no exception.It’s never a good idea to bet against the projections too confidently or too often. But the Royals have the production to back up their standing in the league, with a run differential that’s fifth-best in MLB and WAR totals to match.2The Royals come in with the sixth-most position player WAR in baseball and the 15th-most pitching WAR. Having boosted themselves at the trade deadline with the addition of a frontline ace in Johnny Cueto and a versatile hitter in Ben Zobrist, the Royals stand as good a chance as anyone but the Blue Jays at taking the crown, even if we still don’t understand why they are so good. Speaking of those Blue Jays …Toronto Blue Jays(Chance of winning the World Series: 19 percent)It’s difficult to overstate just how incredible the Blue Jays have been this year. Their run differential exceeds the next-best team (the Cardinals) by 99 runs, which itself would be the fifth-best run differential in the league. Since 1950, only 18 teams (out of 1,592; just about 1 percent) have had season run differentials better than the Blue Jays’ sum of +221.3These statistics are derived from Sean Lahman’s database. With their midseason trades for arguably the best position player (shortstop Troy Tulowitzki) and pitcher (starter David Price) available, the Blue Jays became something we almost never see in modern baseball: a steamroller, a world-beater, a superteam. Sure enough, since the All-Star break, the Jays have been even better, racking up a run differential of +139, which put them on pace for the best full-season run differential of any team since 1950.And yet, of those 18 teams with run differentials better than that of the 2015 Blue Jays, only six went on to win the World Series. Only 11 of the 18 even went to the World Series. There’s a reason baseball has gone away from the superteam model: No matter how strong the team, nobody can predict what will happen in a short postseason series.Read more: The Best 2015 MLB Teams, According To Our New Ratings It’s time for real, live playoff baseball. Or as sabermetricians like to call it: the season where weird stuff happens.The playoffs are entirely different from the regular season, with an emphasis on top-tier starting pitching and the savvy usage of strong late-inning relief. Sabermetrics researchers have struggled in vain for years to pinpoint a secret sauce that can guarantee postseason success. Because of the changing strategies and wild-card structures in MLB, trying to figure out who’s going to win the World Series creates problems that are similar to those faced by electoral prognosticators, only with much less data.1Instead of hundreds of polls, we have a few dozen individual games per year, which are noisy indicators even without considering all the potential confounding factors. The truth may be that there is no very accurate way to forecast who will survive the gantlet of the MLB playoffs.But that’s not going to stop us from trying! Elsewhere, Neil Paine has used Elo ratings (FiveThirtyEight’s pet power rating system) to project each wild-card game and divisional series. But before you go read that, stick with me so I can tell you a little bit about each of the AL teams that have found their way into the hunt. (I’ll cover the NL teams on Wednesday.)There are clearly two tiers of teams fighting for the pennant, with the Blue Jays and Royals towering above the Yankees, Astros and Rangers.
Every year, both Ohio State and Michigan have this game marked on their calendars.Every year, the Ohio State-Michigan matchup brings together one of the all-time biggest rivalries in college football. Michigan leads the series overall with a record of 58-49-6, but in recent years, Ohio State has taken control, winning the past six installments since Urban Meyer took over as head coach.But this year, for the first time in the Meyer era, No. 4 Michigan (10-1, 8-0 Big Ten) comes into “The Game” as the favorite against No. 10 Ohio State (10-1, 7-1 Big Ten), and it’s the first time since 2004 that the Wolverines are favorites in Ohio Stadium.“We don’t talk about those things,” Meyer said. “The most prepared team will win the game. It’s not who’s favored and who is not. I didn’t know that. And I don’t imagine our team really does.”Michigan enters as the favorite thanks to a 10-game winning streak after losing its opener on the road to now-No. 3 Notre Dame 24-17. Included in the streak are wins against then-No. 15 Wisconsin, then-No. 24 Michigan State and then-No. 14 Penn State. The victories against the Badgers and the Nittany Lions were by 25 points or more.“Whenever you face an elite team, elite defense, which they are, personnel stands out, front seven stands out,” Meyer said. “I think they’re No. 1 in the nation in pass defense. And just very good personnel, very well thought-out scheme and very good defense.”The Wolverines hold the No. 1 pass defense, as well as the No. 1 defense overall, allowing 234.8 yards per game, more than 15 yards fewer than any other team in the country.Michigan allows 13.5 points per game, tied for the fourth fewest in the NCAA.The country’s strongest defense is led by stars in the front seven. Junior linebackers Devin Bush and Josh Uche combine for 85 tackles, 17.5 of which are for a loss, including 12 sacks.Junior Rashan Gary and redshirt senior Chase Winovich have 7.5 sacks of their own on the defensive line on 94 combined tackles. But Winovich went down with an upper-body injury against Indiana on Saturday, and his status remains uncertain for the game, Michigan head coach Jim Harbaugh said.But Michigan had one of the strongest defenses in the country in 2017 — ending the season with the third-fewest yards allowed per game — when it lost to Ohio State at home.The difference comes on the other side of the ball.After ending this past season with the 25th worst total offense in the NCAA, the Wolverines come into Ohio Stadium averaging 36.6 points per game, No. 24 in the country, scoring 40 or more points in six of their 11 games.Junior quarterback Shea Patterson is the difference maker, throwing for 2,177 yards, 18 touchdowns and four interceptions while completing 65.9 percent of his passes. He also averages 4.2 yards per rush for 252 yards and two scores on the ground.Patterson has a trio of players who receive the majority of the targets: sophomore wide receivers Donovan Peoples-Jones and Nico Collins, and senior tight end Zach Gentry.Peoples-Jones leads the team with 32 catches for 477 yards and seven touchdowns. Gentry, the 6-foot-8 tight end, is closely behind with 475 yards and a pair of scores. Collins has 29 catches for 461 yards and four touchdowns this season.Senior running back Karan Higdon leads the No. 14 rushing offense in the nation with 1,106 yards and 10 rushing touchdowns on 5.3 yards per carry.Higdon said Monday in a Michigan press conference he guarantees a Michigan victory against the Buckeyes.Instead of making promises, Meyer is going to let the Buckeyes’ play on Saturday do all the talking. “How do you show respect for them and the game? You work, which we are. We’re working so damn hard for this,” Meyer said.Michigan comes in with the momentum, and hopes of ending its losing streak and finishing off the team’s “Revenge Tour” that has motivated the Wolverines all season.They have gone through three key stops on their tour: Wisconsin, Michigan State and Penn State.Now, No. 4 Michigan remains one win away from finishing it, facing off against No. 10 Ohio State in Ohio Stadium at noon on Saturday. It enters with the strongest team of the Harbaugh era, and one of the most vulnerable Ohio State teams since Meyer took over.Now, it comes down to one game to see if the Wolverines can finish what they started, or if the Buckeyes can go to the Big Ten Championship once more. Only this time, they will have to do it as the underdog.Wyatt Crosher: 34-24 MichiganColin Gay: 35-31 Ohio StateRachel Bules: 38-35 Ohio StateSydney Riddle: 24-21 Ohio StateAmanda Parrish: 35-30 Ohio StateZach Varda: 45-17 MichiganEdward Sutelan: 28-24 MichiganJake Rahe: 21-17 Ohio State
Obaidul QuaderPrime minister and Awami League president Sheikh Hasina is aware of the excesses committed by the activists of ruling party-backed Bangladesh Chhatra League during the recent quota protests.Saying this on Sunday, Bangaldesh Awami League general secretary and road transport and bridges minister Obaidul Quader said Sheikh Hasina has also warned the BCL leaders and activists of stern actions, should there be complaints like their role in the students’ demonstration demanding reforms in public service quota.Quoting the prime minister, Quader said at a press briefing at the secretariet that Hasina issued a note of warning when the BCL leaders approached her as she was getting down from the stage of the party’s reception accorded to her on Saturday.“I have received many complaints of excesses against Chhatra League over the quota issue. I don’t want to hear such complaitns any longer,” Quader said quoting Hasina.On more than one occasions recently, BCL men attacked the students and teachers of various educational institutions including Dhaka University, who were demanding reform in existing quota system in public services.Dwelling on the next general election likely to be held on December, Quader said an election-time government will be formed any time in October. A small cabinet comprised of the parties representing in parliament would be formed, he iterated.Refering to the BNP’s insistance that it would not go to polls without release of its jailed chairperson Khalaeda Zia, Quader said, his party will prevent any attempt to foil the election.He also said, the BNP has given conditions to contest the election which are not likely to be met. The election would be held as per constitution, he added.Professor Emajuddin Ahmed, a former vice chancellor of Dhaka University, on Saturday said, the next general elections would be held only if four conditions including release of former prime minister Khaled Zia are met.Quader, however, said that the BNP will participate in the elections for their own sake. ‘It’s their right to participate in the elections but democracy would take its own course if they don’t take part,’ he added.Regarding public sufferings in mass reception accorded to the prime minister on Saturday, Quader said, “We organised the rally on Saturday so that the people don’t have to suffer. Still, I am seeking apology had there been any incidents of public suffering.”
Categories: Glenn News,News 13Jun Committee approves Glenn bill banning sex between prostitutes, police The House Law and Justice Committee approved bipartisan legislation from state Rep. Gary Glenn making it illegal for law enforcement officials to engage in sexual acts with prostitutes or victims of human trafficking during the course of an investigation.“There is no evidence that law enforcement officers are taking advantage of this unintended legal loophole, but Michigan is going to protect victims of human trafficking from abuse,” said Glenn, of Larkin Township. “People who impersonate police officers use this unintended exemption from prosecution to intimidate women into having sex. That casts an unwarranted cloud over our law enforcement officers.”House Bill 4355 specifically states a police officer is no longer exempt from prosecution if the officer has sex with a prostitute, eliminating the unintended exemption in current law. The legislation also seeks to protect victims of human trafficking who have been forced into prostitution.“Michigan is the last state in the country where police officers having sex with prostitutes are shielded from prosecution,” Glenn said. “This legislation will protect our police and victims of human trafficking.”HB 4355 advances to the House for its consideration.State Rep. Gary Glenn testifies before the House Law and Justice Committee in support of legislation to ban sex between law enforcement officers and prostitutes or victims of human trafficking.