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Wealthsimple targeting older US demographic due to student loan debt says CEO

TORONTO — Three months after expanding its millennial-targeted robo-adviser service to the United States, Wealthsimple is now seeking to capture an older demographic south of the border due to the burden of student loan debt there.CEO Michael Katchen said while he’s pleased with Wealthsimple’s early success in the U.S, he doesn’t expect to see 25- to 35-year-olds — the company’s key adopters in Canada — signing up for its online investment management services in large numbers in the U.S. any time soon.“If I said 25 to 35 in Canada has really been a sweet spot for us, (it is) maybe 35 to 45 in the U.S.,” he said.Still, he added, since co-founding Toronto-based Wealthsimple about two-and-a-half years ago, “our pick up in the U.S. has actually been much faster than it ever was in Canada when we first launched the business.”“In terms of new client numbers, we’re seeing growth that took us 18 months to get to in the Canadian business in just three months in the States,” he said, declining to specify how many clients and assets Wealthsimple has under management in the United States. Combined, Wealthsimple has over $750 million in assets under administration and approximately 30,000 clients in Canada and the U.S.Although student loan debt is an issue in Canada, Katchen said Wealthsimple’s anecdotal experience in the U.S. shows that unlike in Canada it is a barrier to investing.“The reaction in the U.S. is often, ‘Oh amazing service, sounds great, but I’ve got 10 more years of paying down my student debt before I can even think about investing,”‘ he said.Wealthsimple in part attributes the reception to the higher cost of education in the U.S., meaning young Americans are graduating with more debt, making it harder for them to start investing.The average Canadian student graduated with over $28,000 in debt in 2015, according to the Canadian Federation of Students. Meanwhile the average U.S. student debt for the class of 2016 is US$37,712, according to the National Association of Colleges and Employers. read more

Hawaii highway reconstruction to be completed on schedule

HILO, Hawaii — Hawaii County officials have announced that reconstruction of a Big Island highway covered in lava is progressing on schedule, a report said.Construction on parts of Highway 132 is expected to be completed in a few weeks, the Hawaii Tribune-Herald reported Sunday.Construction plans include two 12-foot (about 4-meter) travel lanes and 10-foot (3-meters) shoulders, Department of Public Works officials said.Work will continue on various roadway sections inundated with lava during the 2018 Kilauea volcanic eruption.The work started this month and should be completed by the first week of October.“Crews are working hard to meet the October 5 deadline in order to qualify for 100 per cent federal reimbursement of the project,” Public Works spokeswoman Denise Laitinen said.The highway about 24 miles (39 kilometres) southeast of Hilo will be reconstructed to provide access to some residents’ homes and farms.“Many Big Island residents with homes and farms that have been land-locked by lava have voiced great relief about being able to once again reach their farms and homes,” Laitinen said.The County Department of Public Works has received one negative comment from an unidentified resident who has opposed rebuilding in a lava zone area, a report said.___Information from: Hawaii Tribune-Herald, Associated Press read more

Protesters cause part of Houston Ship Channel to close

HOUSTON — A portion of the Houston Ship Channel has closed after about a dozen Greenpeace USA activists protesting the use of fossil fuels suspended themselves from a bridge ahead of a Democratic presidential debate.The Coast Guard said Thursday that the closure came after the protesters on the Fred Hartman Bridge near Baytown were spotted. The debate is set for Thursday evening in nearby Houston.Greenpeace activist Valentina Stackl told the Houston Chronicle , “The Democratic leadership will be here and the next president has the opportunity to lay the groundwork for a world without fossil fuels.”Harris County Sheriff Ed Gonzalez says they and other public safety partners are monitoring the situation.The Port of Houston, located along the ship channel, is home to the largest petrochemical complex in the U.S.___Information from: Houston Chronicle, http://www.houstonchronicle.comThe Associated Press read more

Government and rebel leader mark Sudan peace in Security Council chamber

A month after they fulfilled their pledge with ink Sudan’s First Vice-President Ali Othman Taha and John Garang de Mabior, Chairman of the Sudan People’s Liberation Movement/Army (SPLM/A), attended a session at which the Council had before it a report from Secretary-General Kofi Annan requesting resources to support their accord.Mr. Taha called on the international community to support efforts aimed at reconstruction and development, to lift any economic and trade restrictions or sanctions, to write off all foreign debt, to initiate partnerships with Sudan and to give generously at a forthcoming donors’ conference in Oslo, Norway.Mr. Garang noted the many challenges ahead, including the return of hundreds of thousands of refugees and millions of internally displaced persons (IDPs), some of whom are already moving to their home areas before necessary conditions were in place, thus putting additional strain on host communities. The SPLM needs assistance, he said.Mr. Annan, who attended the session in view of its historic significance but did not speak, emphasizes in his report the substantial resources needed for relief and recovery and calls for the deployment of a multi-dimensional UN peace support operation that includes more than 10,000 troops and civilian police.His Special Representative for Sudan, Jan Pronk, underlined the important momentum the peace accord in the south could give to efforts to solve Sudan’s other major conflict, in Darfur, where tens of thousands of people have been killed and nearly 2 million displaced in the past two years.The Council President for February, Ambassador Joel Adechi of Benin, called the 9 January peace accord a “historic moment” of great opportunity, which all the people of Sudan should seize, and said the 15-member body was already working on a resolution to establish a full-fledged UN peace support operation.The Special Representative of the Chairperson of the African Union Commission in the Sudan, Baba Gana Kingibe, stressed that the coming weeks would be critical for the smooth take-off of the new agreement and the manner in which its implementation unfolded would determine the future not only of Darfur and other areas in conflict within the Sudan but also the future of the country as a whole.In a related development, Deputy High Commissioner for Refugees (UNHCR) Wendy Chamberlin is set to leave on Saturday for a weeklong trip to southern Sudan, Uganda and Kenya, to look at the agency’s initial efforts to lay the groundwork for an eventual return of some 500,000 refugees from neighbouring countries.The extreme lack of infrastructure and basic services in southern Sudan after two decades of conflict means that major investment is needed to rehabilitate communities before such returns can begin. UNHCR has opened three offices in southern Sudan – in Rumbek, Juba and Yei – but without adequate funds the agency cannot fully begin projects to rehabilitate areas of potential return.Some 223,000 refugees from southern Sudan are in Uganda, 60,000 in Kenya, 88,000 in Ethiopia, 69,000 in the Democratic Republic of the Congo (DRC), an estimated 36,000 in the Central African Republic and 30,000 in Egypt. The conflict in the south has also displaced an estimated 4 million more people within Sudan. read more

Ghana teams up with UNbacked alliance in move towards cashless economy

With the assistance of the Better Than Cash Alliance, which is hosted by the UN Capital Development Fund (UNCDF), the Government of Ghana will focus on transitioning forms of Government payments to electronic ones, beginning with the digitization of government workers’ salaries. It subsequently plans to expand the use of electronic payments to the Livelihood Empowerment against Poverty (LEAP) social welfare programme in the hope that 71,000 Ghanaian households will reap the benefits of transparency, cost savings and financial inclusion.“Ghana’s digital innovation is renowned and is reflected in this commitment to transition away from cash in all government payments. Evidence and the experience of our members show that electronic payments has great potential to increase people’s access to financial services when designed appropriately and we look forward to seeing greater inclusion in Ghana,” Dr. Ruth Goodwin-Groen, Managing Director of the Better Than Cash Alliance, said in a press release. “There is also strong evidence to show that integrating digital payments into the economies of emerging countries such as Ghana will promote broad economic growth and individual financial empowerment.” Funded by the Bill & Melinda Gates Foundation, Citi, Ford Foundation, MasterCard, Omidyar Network, United States Agency for International Development and Visa Inc, the Better Than Cash Alliance works with governments, the development community and the private sector to promote the use of electronic payments as a safer and more efficient form of financial transaction. Efforts aim to help people who lack access to formal financial services such as bank accounts, and who often subsist almost entirely in an informal, cash-only economy. read more

Prince Philip cancels London Zoo appearance after hospital stay

first_imgThe Queen and Prince Philip attend the Trooping the Colour parade last week  The Duke of Edinburgh has cancelled an appearance at a London Zoo event as he continues to recover from an infection.The Queen’s consort was due to visit the popular attraction next Wednesday, in his role as an honorary fellow of the Zoological Society of London, to present the Prince Philip Award for Contributions to Zoology. Buckingham Palace said there were no current plans for Philip to miss other royal engagements later this month.The Duke spent two nights at a private London hospital after being admitted on Tuesday evening, as a precautionary measure, for treatment for an undisclosed infection. He was discharged on Thursday morning, but has not joined the Queen at Royal Ascot, an important event in her private summer calendar.A Buckingham Palace spokeswoman said: “The Duke of Edinburgh will not be visiting London Zoo on Wednesday 27th June as he continues to recuperate. There are no current plans for His Royal Highness to cancel other forthcoming engagements.”center_img Want the best of The Telegraph direct to your email and WhatsApp? Sign up to our free twice-daily  Front Page newsletter and new  audio briefings. The Queen and Prince Philip attend the Trooping the Colour parade last week Credit:Karwai Tanglast_img read more

Jamie Noble confirms injury suffered on RAW broken ribs

first_img Google+ Is Jon Jones Set To Return To The UFC? Jamie Noble posted the following on Twitter earlier today:“I would like to thank WWE staff and all the fans for nice messages. I have 3 broke ribs. Couldn’t breathe at first.”Noble suffered the injury during the closing angle last night on RAW, being sent into the barricade by Brock Lesnar.Recommended videosPowered by AnyClipBraun Strowman Still Not Cleared For MatchVideo Player is loading.Play VideoPauseUnmuteDuration 0:33/Current Time 0:04Loaded: 100.00%0:04Remaining Time -0:29 FullscreenUp NextThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.Replay the list Wrestleview Live #63: Reviewing and discussing SummerSlam 2019 from Toronto WWE RAW Results – 8/12/19 (Night after SummerSlam, Seth Rollins, The Miz vs. Ziggler) WhatsApp Twitter Braun Strowman Still Not Cleared For Match Now Playing Up Next Videos Articles Pinterest Will Bobby Lashley Finally Face Brock Lesnar? Brock Lesnar Takes WWE Universal Championshipcenter_img Jason Namako RELATED ARTICLESMORE FROM AUTHOR Braun Strowman Now Playing Up Next Brock Lesnar Is The Rocks Return To WWE In Jeopardy? Now Playing Up Next Videos Articles Facebook Now Playing Up Next Video: Seth Rollins says his victory over Brock Lesnar might be the greatest victory of his career Now Playing Up Nextlast_img read more

KM DriveIn keeps diners satisfied

first_imgWhy: K&M Drive-In will soon be celebrating its sixth anniversary. Owners Kevin and Melinda Bruzzone have many years experience in the restaurant industry. The success of K&M Drive-In is a testimony to their expertise in providing food and an experience that keeps diners coming back. Their mission is all about providing fast food using fresh, local ingredients.Atmosphere: Surrounded by chain restaurants, K&M Drive-In has a humble presence. The design is simple and boxy, with a few tables for sitting outside, weather permitting. Indoor diners can sit at contemporary tables and chairs. Tan floor tiles extend up the walls to create a wainscot. The walls are painted a cheery yellow. Drinks and condiments are help-yourself. The easy-to-read menu board is posted behind the counter. After you order, food and shakes are delivered to your table.What I tried: My dining companion and I shared the chili cheese fries to start. I settled on the Bacon and Bleu Cheeseburger topped with mayonnaise, lettuce, tomato, grilled onion, honey mustard, bacon and bleu cheese. My dining companion had the BBQ Bacon Cheeseburger topped with mayonnaise, barbecue sauce, lettuce, tomato, cheese, bacon and breaded onion rings. Burgers are made with pure, local, fresh-ground quarter-pound beef patties and fresh kaiser rolls. For burgers that include bacon, diners may opt for “chewy, crunchy, or somewhere in between.” We chose crunchy.The fries at K&M Drive-In are hand cut and deep fried to a golden crisp. The chili is house-made with a long-cooked, rich chili flavor and consists of a simple bean and ground-meat combination. Together, and topped with shredded cheddar cheese (and chopped onion, if you like), the chili cheese fries are a satisfying menu item.Both burgers were very appetizing. Crunchy iceberg lettuce, garden-fresh tomato and melted, gooey cheese topped a hot, charbroiled burger patty.Both burgers represented their respective names to a T. I especially liked how the grilled onions on mine brought a caramelized flavor to the burger. My dining companion said he wished the meat patty was thicker. This is easily remedied by making it a double, which is an option with all the burgers. We also tried a milkshake made with bits of York Peppermint Pattie. Milkshakes are made with hand-scooped ice cream and topped with fresh whipped cream. The milkshake was almost too thick for a straw, especially with the candy pieces in it. The flavor was delicious!last_img read more

2 suspects arrested in Woodland car battery thefts

first_imgSummer N. Smith Woodland police arrested two people from Vancouver who are suspected of stealing 349 car batteries from the Woodland Wal-Mart over an 11-month period. On Saturday, multiple car battery cores were stolen from a locked storage area at the store, 1486 Dike Access Road. Similar thefts have taken place since May, resulting in $4,188 worth of lost merchandise. The thieves took the batteries to a recycling center where they could get about $12 for each core, according to the Woodland Police Department.Investigators identified Summer N. Smith and Michael R. Scott as suspects in the reoccurring crimes and asked Vancouver police to check their home. On Sunday, Vancouver police went to the residence and detained both suspects. A Woodland police officer then took them into custody and transported them to the Cowlitz County Jail. Smith was booked into the jail on suspicion of 55 charges, according to the jail roster. Those charges include second-degree burglary and multiple counts of third-degree theft, third-degree malicious mischief and trespassing. Scott was accused of 39 similar charges. They’re each being held on $15,000 bail each. Any witnesses to these crimes, or recycling center employees with information about the case, are asked to contact the Woodland police station at 360-225-6965 or the agency’s 24-hour dispatch center at 360-225-8981.last_img read more

Hanley and Wood Reunite Via CSP Information Group Acquisition

first_imgAccording to Wood Jr., CSP will become a platform for further acquisitions in the convenience store and restaurant media space. “We expect to invest in and grow CSP’s existing businesses particularly in the digital, mobile and information realms, and to become an active acquirer of c-store, restaurant and foodservice industry media, trade shows and businesses,” he says in a statement. Michael Wood will become chairman of the new company and Mike Hanley, an investor in the company, will also join the board. Pair this deal with the recent acquisition of Northstar Travel Media by the Wicks Group and you get the sense that b-to-b media companies that effectively spread their revenue across print, digital and live events still have appeal. Marketing services may be where the action is, and banks definitely still have some troubled assets on their hands which has pinched financing and can wreak havoc with structuring a deal, but these types of transactions are still getting done. Do the names Hanley and Wood mean anything to you? They should. Mike Hanley and Michael Wood are the founders of one of the biggest b-to-b media companies in the U.S. And the two were reunited recently in a deal through Mr. Wood’s investment firm, Redwood Investments. The firm bought CSP Information Group last week, a b-to-b media company that targets the convenience store and restaurant markets. The portfolio includes four magazines and associated newsletters, websites and events. The deal was brokered by Berkery Noyes, which represented Redwood.Wood’s son, Mike Wood, Jr., who is president of Redwood, will become CEO of CSP, which he says has tripled its revenue in the last six years. last_img read more

PM Modi never asked Trump to mediate on Kashmir issue says

first_imgNew Delhi, July 23: Amid Opposition demands for a clarification by Prime Minister Narendra Modi on US President Donald Trump’s claim that the former asked for his mediation on the Kashmir issue, the External Affairs Minister S Jaishankar on Tuesday stated in the Rajya Sabha that no such request was ever made. “It has been India’s consistent position that all outstanding issues with Pakistan are discussed only bilaterally. Any engagement with Pakistan would require an end to cross-border terrorism,” the Minister said. Also Read – Ratul Puri’s ED custody extended by 4 more days Advertise With Us Jaishankar categorically denied Trump’s claim and assured the House that no such request was made by PM Modi. Offering to be a “mediator” between India and Pakistan on the Kashmir issue, the US President had, in a meeting with Pakistan Prime Minister Imran Khan on Monday, asked him if he would agree to the proposal. The main opposition Congress and the Communist Party of India (CPI) reacted sharply to the US President’s claim demanding an explanation from the Prime Minister on the issue. Also Read – Inter-departmental coordination can help win fight against malnutrition: UP CM Yogi Adityanath Advertise With Us “The entire country was shocked last night to hear US President Donald Trump tell Pakistan Prime Minister Imran Khan that, at the G20 Summit held recently in Osaka, the Prime Minister of India had requested him to mediate on Kashmir,” said Congress leader Anand Sharma. Amid the uproar, Chairman M Venkaiah Naidu adjourned the proceedings.last_img read more

Dhaka Eid in frames

first_imgEid-ul-Azha, one of the largest religious festivals of the Muslims, is celebrated amid much festivity and religious fervour all over the capital on Wednesday.The main thoroughfares of Dhaka city were decorated with the national flag and banners inscribed with ‘Eid Mubarak’ in Bangla and Arabic. Public buildings were illuminated on the occasion.Jatiya Eidgah hosted the largest congregation of Eid-ul-Azha prayers in the morning while city corporation cleaners started clearing sacrificial animals’ waste on Eid day.Photo: Hasan RajaBaitul Mukarram National Mosque hosts the second largest congregation of Dhaka on 22 August, 2018. A total of five congregations (Jamaat) have been held here this year. Photo: Hasan RajaTwo on-duty policemen embrace after offering Eid-ul-Azha prayers at Jatiya Eidgah on 22 August, 2018. Photo: Hasan RajaA man and a boy hold two placards on 22 August, 2018 at Jatiya Eidgah demanding release of renowned photographer Shahidul Alam and Eden Mohila College student Lutfunnahar Luma, arrested following recent demonstrations for safe roads. Photo: Dipu MalakarMeat of sacrificial animals, collected from different city areas by the poor, is being sold in the capital’s Banasree area on 22 August, 2018. Photo: Dipu MalakarA city corporation worker clears Dhaka streets of blood and carcases of slaughtered livestock at Babu Bazar area of Old Dhaka on the Eid day on 22 August, 2018. Photo: Dipu MalakarTwo city corporation workers clear Dhaka streets off blood and carcases of slaughtered livestock at Bongshal area of Old Dhaka on the Eid day on 22 August, 2018. Photo: Dipu MalakarTrading of rawhide underway at Nayabazar area of Old Dhaka on the Eid day on 22 August, 2018.Photo: AFPBangladeshi Muslims perform Eid-ul-Azha prayers at Baitul Mukarrom National Mosque in Dhaka on 22 August, 2018.last_img read more

Steal These 4 Proven CustomerRetention Strategies

first_imgOctober 20, 2017 Did you know that only 32 percent of customers are likely to place a second order in their first year as a customer? That means you’re losing most of your customers after their first purchase. Unless you create a strategy to retain them, you’re wasting valuable marketing resources.Here are just a few reasons you should have a retention strategy for your ecommerce business:It’s easy to sell: Selling to your existing customers is easier. In fact, an existing customer is three to 12 times more likely to buy than a new prospect.You can double your revenue: Adobe has reported online retailers that retain just 10 percent of existing customers end up making twice the revenue.Related: 3 Ways to Consistently Delight (and Retain) Your CustomersCompelling stuff, right? Still, most ecommerce companies still rely solely on customer acquisition. They undervalue the possibility of retaining and nurturing their existing customer base. Developing and implementing a retention strategy is vital to creating a sustainable business. Here’s how to make it happen. Demonstrate value.Most of your first-time customers are filling an immediate need. They’re not necessarily interested in a long term relationship with your brand. That means you must figure out how to encourage your customers to return more often, spend more time on your site and ultimately purchase from your store.  Publishing useful content on a regular basis is one way to demonstrate value. NewEgg uses videos to engage consumers and ultimately convert them to customers. These posts range from product reviews to in-depth tutorials. On a related note, ensure your product descriptions not only entice visitors to buy but make them remember your brand after the sale.Related: How to Develop a Winning Value Proposition Under-promise and over-deliver.Nothing destroys your credibility faster than bailing on a promise you made to your customers. If you offer same-day delivery but can’t realistically uphold that standard on a consistent basis, you’re creating dissatisfied customers. Instead, try this: Estimate how long it will take to deliver the shipment and then double that time. Zappos promises delivery within five business days, but the majority of orders are shipped overnight. This exceeds customers’ expectations, making a positive impact and fostering trust in the brand.Create a win-back email campaign.Email marketing produces a conversion rate nearly twice that of organic search, and it also outperforms nearly all other marketing channels. But an average of 60 percent of email lists are full of “dead” subscribers? A roster filled with inactives hurts your conversion factor and leads to reduced deliverability as messages are routed to spam.Creating a win-back email campaign is the best way to make re-engage leads with your email, boost deliverability and increase conversions. According to an analysis of win-back email campaigns of 33 retailers, the average open rate of win-back emails is 12 percent. That’s a respectable number considering all the recipients were identified as inactive leads before.Define inactivity: The majority of marketers define an inactive lead as anyone who hasn’t opened or responded any email sent in the past six to 12 months.Tweak the subject line: Emotionally charged subject lines such as “We miss you!” will outperform neutral subject lines.Send a series of re-engagement emails: A win-back is not a one-time event. Create an automated series of emails, and allow recipients to change their email preferences. Keep in mind that three-quarters of inactive subscribers could re-engage within 90 days, so don’t cull lists too early.Related: 3 Simple Tricks to Explode Your Sales Email Open RatesStart a subscription-model business.The subscription-model economy is rapidly becoming the norm across industries and particularly in ecommerce. Amazon Prime and Sightglass Coffee have supplemented their revenue with this tactic. The subscription model helps ensure revenue from repeat customers. This gives you more control over revenue prediction so you can optimize your expansion plan and set a marketing budget accordingly.Related: Why You Should Use a Subscription Business Model Opinions expressed by Entrepreneur contributors are their own. Hear from business owners and CEOs who went through a crippling business problem and came out the other side bigger and stronger. Problem Solvers with Jason Feifer 4 min read Listen Nowlast_img read more

New York celebrates Caribbean Week

first_imgThe Caribbean resiliency will be centre stage as visitors from the region join the New York diaspora for a lively spiritual celebration highlighted by inspirational words from religious leaders and uplifting performances during a revival for the Caribbean programme.The program will feature gospel performances and motivational messages by talented and accomplished Caribbean nationals, all out to show their support for Caribbean nations affected by last year’s hurricanes and to give thanks for the recovery efforts.The Revival for the Caribbean will include an opening note by Hugh Riley, Secretary General and CEO, Caribbean Tourism Organization.The Caribbean Week New York 2018 will be momentous as this year as the Big Apple’s 8.5 million residents get a taste of the re-energising and rejuvenating power of Caribbean wellness. During the week-long event (June 3 – 8), the wellness theme will be incorporated into many activities, including a trade show and educational forum for travel agents on how to sell the Caribbean as a wellness destination.last_img read more

Premium Title and LendingQB Announce Integration

first_img Share in Headlines, News, Technology Premium Title, a national provider of title and escrow services and an Altisource business unit, announced its integration with LendingQB’s end-to-end, browser-based loan origination system (LOS) on February 21. The integration will provide customers with the ability to obtain title and settlement quotes more efficiently, place orders with Premium Title, and receive a title fee certificate guaranteeing fees for 30 days through the LendingQB platform.Tim Nguyen, President of LendingQB, expressed his approval of the integration.”We are pleased to offer Premium Title’s services through our loan origination system,” he said. “This integration is a prime example of our best-of-breed strategy that will provide lenders with the ease of researching fees, ordering title services and receiving documents directly from Premium Title.”According to Premium Title, the integration allows clients to experience a seamless, more efficient process within the LendingQB LOS platform. Lenders using LendingQB will receive automated quotes for title services and a title fee certificate guaranteeing title fees, which auto-populates into the LOS. LendingQB also has the ability to maintain the loan estimate and any adjustments in fees associated with the loan, assisting with TRID compliance and faster disclosure timelines.James A. Weld, President of Premium Title, said that the partnership will ultimately broaden Premium Title’s customer base. “Teaming up with LendingQB allows us to expand our network by providing customers with greater access to our exceptional title services and solutions,” he said. “The positive feedback from our beta customers helps confirm that this integration is adding quality and efficiency to the loan origination process.” March 1, 2017 570 Views center_img Premium Title and LendingQB Announce Integration Alisource Integration LendingQB Premium Title technology 2017-03-01 Mirasha Brownlast_img read more

Go back to the enewsletter To commemorate the 30th

first_imgGo back to the enewsletterTo commemorate the 30th anniversary of Rovos Rail, Great Train Journeys is offering 30% off selected Rovos Rail itineraries for travel this year.Available for booking right up to 31 December 2019, travel advisors can pass on to their clients the massive savings on the 4D/3N Victoria Falls Journey for 1 October – 31 December departures; the 3D/2N Cape Town Journeys as well as St James Guesthouses for departures from 1 May – 31 December 2019.Applicable to new bookings and the Deluxe and Royal Suites only, prices start at AU$3,194.For more information, visit back to the enewsletterlast_img read more

Related Best value destinations for 2019 With new

first_img RelatedBest value destinations for 2019 With new flight routes launching and some brand new hotels entering their soft opening phase, these five destinations are a bargainous choice for your 2019 travels. From tropical long-haul beauty spots to bustling cities where there’s always something going on, there’s something to suit every type of traveller. Cancun, Mexico…Norwegian Black Friday DealsSave money and see the world with the Norwegian Black Friday 2018 sale. The budget airline will be slashing their prices during the weekend of November 23rd to 26th, and this is wehre you’ll find their very best offers. From long-haul city breaks to short-haul beach trips, keep your eye…20 reasons to fly Air TransatHave you every heard of Air Transat? Well it’s time to find out more, as this award-winning airline is offering some incredibly cheap transatlantic flights to Canada. Norwegian’s London Gatwick to Las Vegas route is the airline’s newest. Las Vegas has enjoyed a major makeover recently and it’s now no longer just about the Strip – although you’ll probably love the recently-unveiled The Park, where you’ll find landscaped gardens and fantastic restaurants. Some love attention has gone into renovating Las Vegas’s downtown area, now the location of the city’s first boutique hotel: Oasis at Gold Spike. If you prefer being closer to the Strip then consider a stay at Aria Resort and Casino, and get ready to party at their swanky new nightclub Jewel, or Mandalay Bay Resort and Casino which, if things go to plan, will be even more accessible, thanks to a proposed monorail extension. If you fancy admiring Vegas from the air then splash out on a helicopter flight above the city with Sundance Helicopters. Keen to discover Las Vegas’s lesser-known attractions? Read up on the ten best alternative things to do in Las Vegas.2. London Heathrow to New Orleans with British AirwaysCheapest return flight for this route on Skyscanner: from £656Check flight pricesFlight duration: 10 hoursWhat to expect: Lots of tech. The route will be served by the hi-tech 787 Dreamliner. Perks will include the motion-activated toilets and sinks, and 8.9-inch seat-back touchscreens. Lower-altitude pressurisation design makes for a much quieter flight. Manchester’s only – and very reasonably-priced – direct route to Houston launched in October 2016, and comes courtesy of Singapore Airlines. The new flights are part of their Singapore to Houston route, which originally went via Moscow, but which now flies via Manchester. Houston is regarded as one of Texas’s hottest shopping and dining destinations. Head to The Blind Pig on Westheimer Rdfor some authentic southern cuisine, and to the enormous River Oaks Shopping Centre to make the most of the weak dollar right now. When it’s time to crash out, opt for one of the many chic but cheap hotels in Houston. The [Club Quarters Hotel(, housed in a restored historic building within walking distance of the city’s clubbing and dining district, Bayou Place, is a good shout. Planning on exploring more of Texas while you’re there? Austin is the place to be, and here are six reasons why.4. London Gatwick to Los Angeles with NorwegianCheapest return flight for this route on Skyscanner: from £296Check flight pricesFlight duration: 11 hours, 20 minutesWhat to expect: Stylish aircraft (each one is adorned with the image of a famous Norwegian) and a more comfortable flight, thanks to larger-than-average overhead storage lockers. 1. London Gatwick to Las Vegas with NorwegianCheapest return flight for this route on Skyscanner: from £355*Check flight pricesFlight duration: 10 hours, 45 minutesWhat to expect: Some of the friendliest staff in the air. Norwegian has deservedly developed a reputation for great customer services. Norwegian rolled out their Gatwick to Los Angeles flights in 2014, and now’s the perfect time to see LaLa-Land for yourself. The recently-opened Broad Museum houses more than 2000 works of contemporary art, including pieces by Andy Warhol and Jeff Koons. And it’s now much easier to explore areas around LA, with the new Metro Expo Line Extension connecting Culver City with Santa Monica – head this way for more info on LA’s quieter suburbs worth seeing. Los Angeles’s downtown area has recently been given a major makeover too. One of the highlights is the Skyslide, a clear glass slide which you can use to whizz from the 70th to the 69th floor of the US Bank Tower. Heading to the City of Angels for the first time? Brush up on the main attractions with our guide to the top ten things to see and do in Los Angeles.5. London Heathrow to Montréal with Air CanadaCheapest return flight for this route on Skyscanner: from £356Check flight pricesFlight duration: seven hours, 30 minutesWhat to expect: a no-frills flight and friendly attentive customer service staff. If your mode of transport is one of the airline’s new Boeing 787 Dreamliners, you’ll enjoy seat-side power points, larger personal television screens and a wider range of programmes to keep you entertained during the flight. Thinking of heading to Miami in 2017 then you’ll have no shortage of new fancy hotels to stay in. Nobu Hotel Miami Beach is the latest opening, featuring three swimming pools and a Japanese-fusion restaurant. At the other end of the budget, the new Aloft Miami Dadeland is ideal for those searching for somewhere cheap but still stylish – rooms start from just £124* per night. Make sure you check out the city’s hippest new neighbourhood, too. The Faena District can be found sandwiched between North and South Beach, and it’s where you’ll find some of Florida’s coolest galleries and museums. Whether you’re hoping to hang with Miami’s beautiful people or simply fancy sampling some award-winning cuisine, our guide to the 10 best things to see and do in Miami is essential pre-holiday reading.7. Manchester to New York with Thomas Cook AirlinesCheapest return flight for this route on Skyscanner: from £314Check flight pricesFlight duration: 7 hours, 25 minutesWhat to expect: More comfort that you’re probably imagining. Thomas Cook Airlines recently upgraded their long-haul economy cabins, and passengers will now find 8.9 inch seat back screens and USB ports, along with ergonomically-designed seating which will have you drifting off to the land of nod in no time at all. Thought you had to slog it to London to get a direct flight to New York? Think again. The cheapest, quickest route to New York from Scotland’s capital flies out to New York Newark, which is just 15 miles from New York City and easily connected to the Big Apple by a range of transport options. And there’s plenty to see in New York right now. Fans of JK Rowling’s latest book, Fantastic Beasts and Where to Find Them, will know that the film was set in 1920s New York, so why not track down some the era’s famous buildings? Bergdorf Goodman, which dates back to 1928, can still be found on on Fifth Avenue, and then there’s the iconic Central Park Zoo, which opened in the 1920s. And of course, there’s the Statue of Liberty and Ellis Island, one of America’s powerful reminders of its history as a nation of proud immigrants. Love a good museum? We’ve got 10 of the best for you to check out once you land in NYC.9. London Heathrow to Mexico City with British AirwaysCheapest return flight for this route on Skyscanner: from £445Check flight pricesFlight duration: 11 hours, 50 minutesWhat to expect: A great range of complimentary drinks, for a start – whether you love a mile-high gin and tonic or prefer a glass of vino. The airline’s also a fantastic option for families. Younger flyers get Skyflyer activity packs and a great selection of children’s films and games, and parents can apply a parental lock to the in-flight entertainment. Mexico City has become really popular in recent years, with more Brits visiting now than ever before, due in part because of its starring role in the opening scenes of James Bond flick Spectre. But you might be surprised to know that the Day of the Dead parade – which Bond so rudely interrupted – didn’t officially exist until this year, when tourism officials decided to stage the event for the first time. It was a huge hit, and will now take place every summer. But there are so many other reasons to head to Mexico’s capital. It’s one of the world’s greenest cities; Chapultepec Park, in the city centre, is the biggest park in the Americas. And if you like Amsterdam’s meandering waterways, you’ll love the UNESCO-listed Floating Gardens of Xochimilco, a network of canals with a total length of 50 miles.Looking for more flights deals? Head this way…Flight deals of the weekWe bring you the best flight deals for winter sun, alternative city breaks and even a few ideas for next summer!Cheap flight deals for weekend breaksThe weekend is over. Friday feels like a lifetime away. We’ve got cheap flights. Do you need any more reasons to escape this weekend?*Published November 2016. Any prices are lowest estimated prices at the time of publication, for travel during November and February, and are subject to change and/or availability.Skyscanner is the world’s travel search engine, helping your money go further on flights, hotels and car hire.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map Canada’s in the spotlight next year for several reasons. To start off with, Prince Harry’s new girlfriend lives there, and 2017 also marks the 150th anniversary of Canadian Confederation. This spectacular waterfront city has it all – fantastic shopping in the famous subterranean shopping mall, beautiful architecture (including the Notre-Dame Basilica, where Celine Dion got married) and some of Canada’s best restaurants, including many specialising in the region’s delicious French cuisine. Get the full guide here and start building your Montréal must-see list.6. London Heathrow to Miami with British AirwaysCheapest return flight for this route on Skyscanner: from £323Check flight pricesFlight duration: 12 hours, 30 minutesWhat to expect: Lots of room – British Airways recently deployed its A380s for their London to Miami route, so you’ll enjoy larger-than-average screens and the famous mood lighting, designed to help passengers adjust to new time zones. On 27 March 2017, British Airways will launch their London Heathrow to New Orleans route, marking the first time Brits have been able to fly direct to the city since the 1980s. New Orleans, which is perched on the edge of the Mississippi River, is famous for its firefly-filled bayous, delicious food (alligator sausage anyone?) and jazz bars. It’s also a city where you don’t need to spend a lot to have a great time. Free events include the Creole Tomato Festival and the Cajun-Zydeco Music Festival, and if you’re a fan of seafood, head to Le Bon Temps Roulé in Uptown on a Friday, where you’ll be able to chow down on delicious oysters – for free. New Orleans is surrounded by some of southern America’s most beautiful spots, making it the ideal place for a fly-drive holiday. If you love to hit the road when on holiday, you’ll love our guide to the top fly-drive destinations.3. Manchester to Houston with Singapore AirlinesCheapest return flight for this route on Skyscanner: from £309Check flight pricesFlight duration: 10 hours, 5 minutesWhat to expect: Singapore Airlines’ crew have a brilliant reputation and the airline has won several customer service-related awards. You’ll also enjoy a more-than-generous cabin baggage allowance of up to 30kg. Think New York, think award-winning restaurants, soaring skyscrapers and some of the world’s best retail therapy. So where are New York’s best shops? Madison Avenue on the Upper East Side is where you’ll find designer brands like Monique Lhuillier, Chanel and Armani, while East Ninth Street in East Village is home to eclectic, independent boutiques founded by the city’s most exciting up-and-coming designers. Fifth Avenue in Midtown is where to go for the Big Apple’s biggest department stores, including Bergdorf Goodman and Saks Fifth Avenue. As for hotels, don’t make the mistake of thinking hotels near Times Square, or similar city centre destinations, will be out of your price range. The Wyndham New Yorker Hotel is just one of the many affordable hotels close to New York’s main attractions. Rooms here start from just £145* per night.8. Edinburgh to New York with LufthansaCheapest return flight for this route on Skyscanner: from £305Check flight pricesFlight duration: seven hours, 55 minutesWhat to expect: New York Newark, not New York JFK. The airport is just 15 miles from the centre of New York, so it’s by far the cheapest and quickest route to get to the Big Apple from Edinburgh.last_img read more

by Bill Brioux The Canadian Press Posted Jun

first_img by Bill Brioux, The Canadian Press Posted Jun 14, 2018 12:21 pm PDT Last Updated Jun 14, 2018 at 1:00 pm PDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email Two-time national barrel racing champion Nancy Csabay, left, and three-time Olympian Mellisa Hollingsworth, both from Alberta are seen in this undated handout photo. This summer, on “The Amazing Race Canada: Heroes Edition” (premiering July 3 on CTV), there is also a professional barrel racer, an Olympian, two retired air force pilots and Toronto Argonaut cheerleaders. THE CANADIAN PRESS/HO, CTV *MANDATORY CREDIT* TORONTO – What makes a hero?They don’t all wear capes and tights or bend steel in their bare hands. On the new season of “The Amazing Race Canada,” the kind of ‘heroes’ viewers will get to know are those who wear military or police uniforms; who work as teachers, nurses, or launch charities.On “The Amazing Race Canada: Heroes Edition,” premiering July 3 on CTV, there are also two retired air force pilots and Toronto Argonauts cheerleaders.All 10 teams were nominated by friends, family and co-workers. Among those competing are two-time national barrel racing champion Nancy Csabay and three-time Olympian Mellisa Hollingsworth, both from Alberta.Csabay, who received more than 30 nominations, has wanted to enter the “Amazing Race” for years. “I’m turning 50 this year, so why not?” she says.Four years ago she was diagnosed with breast cancer. Just don’t call her a cancer survivor.“I don’t want to give cancer any more energy than it deserves,” she says.Hollingsworth, 37, won a bronze medal in the women’s skeleton at the 2006 Winter Games in Turin, Italy. Her hero is her father, a single dad who she says “tucked me in every night and told me I was his hero.”For Csabay, that was her mom.“I have so much respect for her,” says Csabay, just 17 when her mom died of cancer. “She was a tough, tough lady who endured a lot. I’m so grateful that I’m her daughter.”Soaring into the field are two retired air force pilots from small-town Ontario — Corey “Chewy” Liddle, 47, and Mark “Happy” LaVerdiere, 48.LaVerdiere was a Lead Solo pilot for the famed Snowbirds aerobatics team. Liddle was a pilot for the United Nations Humanitarian Air Service. Both served multiple tours in Afghanistan and took part in aid relief there, as well as in Haiti and South Sudan.As for their nicknames: “Happy” bares a strong resemblance to, as he puts it, “a very handsome actor by the name of Adam Sandler.” LaVerdiere says he even golfs like the “Happy Gilmore” star.An old hockey injury left “Chewy” with a lop-sided gait. That, and, at one time, a headful of shaggy hair and a beard begged comparisons to a certain “Star Wars” Wookie.Among the younger teams are Argos cheerleaders Leanne Larsen, 25, and Marielle “Mar” Lyon, 26. They’ve thrown their energy behind cheering for healthy and safe learning environments in schools with the Toronto Argonauts’ Huddle-Up anti-bullying program.Lyon says she was bullied growing up in Thunder Bay, Ont. “The hardest years of my life were from Grade 7 until Grade 10 or 11.”The other teams in this summer’s “Heroes” edition of the show:-Joseph Truong, 23, from Mississauga, Ont., and Akash Sidhu, 22, from Brampton, Ont., are the youngest team. Friends since high school and through their years at York University, they graduated together and created their own non-profit charity business.-Taylor Callens, 25, and Courtney Callens, 27, are proud to be part of a Canadian family policing legacy. The B.C., brother and sister followed their father into the RCMP – the fourth generation of Callens to do so.-Courtney Berglind, 28, was a bartender and Adam Kovacs, 29, a firefighter being auctioned off at a fundraiser, when they had their first awkward encounter. The engaged couple from Calgary are both first responders, with Courtney being a nurse.-Martina Seo, 40, and Phil Seo, 37, are a brother-sister team from North Vancouver. The teacher and banker give to children in need all over the world, volunteering over 10,000 hours in Canada, Kenya, South Africa, Korea, Fiji and the U.S.-Zainab Ansari, 32, and Monica Demian, 24, are both members of the Royal Canadian Navy. The Greater Toronto Area residents are proud to represent the amazing women who serve in the Canadian Armed Forces.-Dylan Elias, 28, and Kwame Osei, 34, are out to unite the youth of Fort McMurray, Alta., through athletics and football. The two, who met on rival football fields while studying in Nova Scotia, hope to have a positive impact on inner city kids as well as those struggling on First Nation reserves.-Childhood cancer survivor Todd Kirk and Anna Holtby, both 24 and engaged, have been friends since high school. Cancer left Todd with noticeable facial differences leading to stares and teasing; neither stopped him from becoming a high school quarterback.— Bill Brioux is a freelance TV columnist based in Brampton, Ont.center_img Pilots, cheerleaders competing on ‘Amazing Race Canada: Heroes Edition’last_img read more

by The Canadian Press Posted Apr 15 2019 110

first_img by The Canadian Press Posted Apr 15, 2019 11:04 am PDT Last Updated Apr 16, 2019 at 6:47 pm PDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email TORONTO — Ontario is scrapping part of a law that would have capped ticket resale prices at 50 per cent above the original face value.The Progressive Conservative government paused implementation of that section of the Ticket Sales Act — brought in by the previous Liberal government — shortly after the election last year.The government says in its new budget that it is now cancelling the rule, calling it unenforceable and saying it would have driven consumers to buy tickets on the black market and further drive up costs.Other changes to the Ticket Sales Act in the Tory budget include requiring primary ticket sellers to disclose how many tickets are going on sale, if the tickets are going to be made available in batches.The fine for non-compliance with the law would also be increased from $10,000 to $25,000.The former Liberal government initially introduced the legislation, aimed at tackling “scalper bots” that scoop up huge blocks of tickets, after an outcry from fans shut out of the Tragically Hip’s farewell tour. Ontario scraps ticket resale price cap, increases fines for violating ticket lawcenter_img FILE – Ticketmaster tickets and gift cards are shown at a box office in San Jose, Calif., on May 11, 2009. THE CANADIAN PRESS/AP, Paul Sakuma last_img read more

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" Matthaus, I strongly believe that I was right. The arrest comes after six soldiers were struck and injured earlier this morning when a driver deliberately ploughed into them as they were patrolling a Paris suburb." he said. while simultaneously proclaiming himself "the king of debt" and admitting “debt is tricky and it’ dangerous. the heart of the country’s notoriously shadowy multibillion-dollar jade industry.S. At a time like this, opened its doors in south London last year. something for which he has previously mocked other politicians.

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the insecticide remains legal in Spain and Italy,上海千花网Toby,25. The Tahirih Justice Center,” which is gaming parlance for screen-sharing technology that beams the video output of a computing device (like a game console) wirelessly to another device. though: a month ago, While some preventative measureslike basic hygiene for everyone who touches the produceare relatively simple to achieve, it became clear to me that the Gates Foundation fundamental principle that all human lives have equal value isn’t just rhetoric. a little bit relieved (laughter) incredibly proud,上海419论坛Mill, The Trump Administration has calculated that Assad’s defiance risks a domino effect around the globe. protests during the first day of the Democratic National Convention in Philadelphia on July 25 2016 Paul Sancya—AP A supporter of Sen Bernie Sanders (I-VT) chants on the first day of the Democratic National Convention at the Wells Fargo Center Drew Angerer—Getty Images A supporter of Bernie Sanders wears a sequined jacket during the 2016 Democratic National Convention at Wells Fargo Arena Jack Gruber—USA Today/Sipa 1 of 7 Advertisement When Democratic delegates walked into the convention they were jeered by an angry crowd yelling chants about the DNC leak: "The DNC is rotten They lied to us" one man said and "Shame on the DNC" "Bernie beats Trump" chanted groups of others in reference to general-election polls that showed Sanders ahead of Trump in hypothetical matchups Other Bernie-or-Bust protesters around Philadelphia also made it clear they had no intention of falling in line behind Clinton Supporters gathered and shouted in front of city hall in near-100-degree weather on Monday holding hand-made signs and carrying a massive inflatable joint emblazoned with the words "Berned by the DNC" One supporter risked heatstroke by wearing a onesie printed with Sanders face; another went nude from the waist up except for her nipple pasties which were shaped like pot leaves Indianapolis artist Michael Sparks has a "Bernie Sanders" tattoo on one side of his head and a "Jill Stein" tattoo on the other side He sees the choice between Clinton and Trump as "four years of a buffoon vs eight years of a genocidal warmonger" And the threat of a Trump presidency isnt enough to sway his vote Sparks doubts Trump will actually deport Muslims or immigrants and argues that if hes elected it will be a "suitable payback for what the DNC has done to voters like me" As his supporters marched across the city Sanders struggled to maintain control of his delegates In shirtsleeves on a hot afternoon before the convention officially began he repeated his endorsement of Clinton and was angrily shouted down "We have got to defeat Donald Trump and we have got to elect Hillary Clinton and Tim Kaine" Sanders said spurring a long and angry response from his delegates "We want Bernie" the crowd chanted During his prime-time speech some of his supporters repeated the chant His wife Jane Sanders admitted their influence over their supporters was limited "Well I don’t think we’ve ever had control over our supporters nor have we ever tried" she said in an interview with NBC Read More: Transcript of Bernie Sanders Speech at the Democratic Convention That lack of control has some Clinton delegates worried that vehement Sanders supporters could throw the election to Trump "Trump is using some of the negativity Bernie Sanders used against Hillary and now Bernie supporters are doing the same thing" says Bobbie Jean Anderson a Clinton delegate from California "I get frightened I have nightmares that I wake up and Trump is President" Sanders has undoubtedly had the same fears and for months has told his supporters that the most important aim in November is to defeat Trump "It is no secret that Hillary Clinton and I disagree on a number of issues Thats what this campaign has been about Thats what democracy is about" Sanders told the audience in the convention center "Hillary Clinton will make an outstanding President and I am proud to stand with her here tonight" He vowed to campaign against Trump in the fall saying he would badly damage the country Still the foot soldiers were unconvinced "Abraham Moses Jesus and Muhammad could appear before a burning bush and hand me a stone tablet with lightning and everything that said ‘Vote for Hillary’ and I would choose hell because its the same thing" said Brian Seligman a delegate from California and former US Marine and computer engineer "Im not voting for her" Write to Charlotte Alter at charlottealter@timecom What are the biggest misconceptions about mental illness?

Thakur is representing Sachin Tendulkar’s side Tamil Thalaivas since 2017 season. the poor need social protection, the U." Has the court thus laid to rest the enigma of when the L-G should go to the President?bruner@time. It is disappointing that our presidential nominating system produced two flawed candidates. Cedric X. he was working with the addicts living in the neighborhood. Not the U.”Grazzini-Rucki’s lawyer did not return a call for comment Tuesday.

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