Or rather, the lack thereof. The NAFCU Regulatory Compliance Team regularly gets asked whether federal regulations apply to business deposit accounts.Most consumer protection rules do not apply to deposit accounts held by a business. It is important to understand that a business-purpose account can be held by a legal entity, such as an LLC or a corporation, or by individuals operating a business themselves as a sole proprietorship. Understanding whether the individuals or a legal entity own the account can be important to determining the applicability of a rule, as well as the credit union’s ability to open the account under field of membership considerations and its share insurance coverage.Further, it is important to understand that even if an account is not covered by the scope of a rule, a credit union may contractually obligate itself to treat the account as if it were covered due to the language in its agreements. Some credit unions make a risk-based business decision to use the same documentation for all accounts, rather than establishing parallel processes and paperwork for business accounts. Each credit union needs to make its own decision on the topic, but educated decisions are best. So let’s talk about what rules do and do not apply to accounts held by businesses. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
The owners have renovated the home over the years.The two-storey Egerton St residence has three bedrooms with a large office or rumpus room that could be converted into a fourth bedroom as well as three bathrooms, multiple living areas and an entertainment deck overlooking a resort-style pool and tropical garden. Among its other notable features are two fireplaces, a granite kitchen and ducted zoned airconditioning.Property records show the house was built about 30 years ago but Mr Sherrah said it had been renovated so well it barely looked like it had aged. MORE NEWS: Would you pay $2m for this clever design? Welcome home.“It has been renovated back to how it looked when it was built,” he said. The central location was what Mr Sherrah said house hunters liked most.“They love the location because it’s so close to TSS, it’s also walking distance to Ferry Rd Markets,” he said.The property is on the market with a $1.395 million price tag. More from news02:37International architect Desmond Brooks selling luxury beach villa12 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag2 days agoThey also give the illusion that the house is much bigger. They offer stunning views of the surrounding bushland. MORE NEWS: How to buy in a champagne location on a beer budget The backyard is like a tropical paradise with a resort-style pool. The conservatory windows are a standout feature of this Southport home.THE soaring conservatory windows that form a central feature of an unusual Southport home offer breathtaking views of surrounding bushland.Coupled with high ceilings and louvre glass, the residence feels much larger than it is.Marketing agent Jim Sherrah, of Lucy Cole Prestige Properties, said while it was central, it felt very private.“You feel like you’re in the middle of a tropical paradise,” he said. “It’s just very light and bright but tucked away.” The entertainment deck is perfect for parties.
ELLSWORTH — Five Hancock County tennis teams will participate in this week’s regional quarterfinals.The sixth-seeded Ellsworth boys (8-5) advanced to face John Bapst (11-1) with a 3-2 win over Foxcroft in Class B North preliminary action. That game will be played at Hampden Academy.The fifth-seeded Mount Desert Island boys’ team (7-5) received a bye to the second round and played No. 4 Waterville on Wednesday. The No. 6 girls’ team beat Presque Isle 4-1 and will play third-seeded John Bapst (11-1) in the next round.The George Stevens Academy boys’ team (12-0) received the No. 1 seed in Class C North. The Eagles will face No. 8 Orono (9-4), which defeated Deer Isle-Stonington (4-8-1) on Tuesday.The fifth and final Hancock County team to qualify for the the quarterfinals will be the winner of today’s girls’ game between No. 5 GSA (9-3) and No. 12 Deer Isle-Stonington (3-9). That team will play in the quarterfinals against No. 4 Penobscot Valley (10-2) in a match that will be played at Schenck High School in East Millinocket.This is placeholder textThis is placeholder textIn addition to the Deer Isle-Stonington boys, the Ellsworth girls (6-7) and Sumner boys (1-11-1) saw their seasons end Tuesday with losses in the preliminary round with losses against Hermon and Lee Academy, respectively.With the exception of the MDI boys’ match, which will be played at 4 p.m. today, all quarterfinal contests will be held tomorrow, June 1. Times for those matches will be announced later.
A film crew was with Derrick Rose when he learned he was being traded from the Bulls to the Knicks in 2016.Stadium included video from the emotional moment in a new documentary, “Pooh: The Derrick Rose Story,” on Thursday. Watch as the 2008 No. 1 pick, who had played his entire professional career with Chicago up to that point, fights back tears as he receives the phone call from his agent, B.J. Armstrong, telling him the news.EXCLUSIVE: Our cameras captured the emotional moment Derrick Rose learned his hometown #Bulls traded him to the #Knicks.#DRoseDoc pic.twitter.com/qCXvbKsoH7— Stadium (@Stadium) April 12, 2019NBA FREE AGENCY: Derrick Rose ‘open’ to returning to Bulls”It’s funny how everything plays out in this business and in my life period,” Rose said. “It always be twists and turns like this. I don’t know how to feel right now. I’m anxious but shocked. It’s [Chicago], man. That s— made me who I am, man.”The 30-year-old guard, who has spent the last two seasons with the Timberwolves, will be a free agent this summer. Armstrong discussed the possibility of Rose returning to Chicago during an interview Monday with 670 The Score: “I think we’re going to look at everything. We want to look at the situation,” Armstrong said. “There isn’t a situation we would not look at because Derrick is still a very capable player. We’ll see what the Bulls have.”There’s no secret. There’s no doubt that, in his heart, Chicago will always be there. We’ll see. I don’t know what the Bulls are going to do at this particular time. … If it presented itself, we’d be open to that conversation. We’ll find out in due time.”
OVER THE TOP: Senegal’s Ferdinand Coly (No. 17) and Sweden’s Zlatan Ibrahimovic fight for the ballIt has been said that arrogance and complacency caused France, Argentina and Portugal to underestimate opponents and depart prematurely from the World Cup.Italians, of course, accuse referees and administrators of some deep, dark conspiracy for,OVER THE TOP: Senegal’s Ferdinand Coly (No. 17) and Sweden’s Zlatan Ibrahimovic fight for the ballIt has been said that arrogance and complacency caused France, Argentina and Portugal to underestimate opponents and depart prematurely from the World Cup.Italians, of course, accuse referees and administrators of some deep, dark conspiracy for their failure. I do not believe any of it. The real reason we have had shocks almost every day is fear.The biggest names picked up the vibes from the first match, when Senegal defeated France, and became afraid that weird and wondrous things happen in this part of the world.TEARS AND TRAGEDY: (From left) Zinedine Zidane, Gabriel Batistuta and Luis Figo You could smell fear in Portugal when their normally expressive stars resorted to primitive fouls against South Korea. The Portuguese could not take the heat.When Italy also got burned in the Korean cauldron, they blamed the referee and the money men. Well, Italy is the land of Machiavelli, and the way heads of state from US President George Bush to Japanese Prime Minister Junichiro Koizumi opted in and out of allying with the football troops, we supposed this tournament had at least passing political interest.CONTACT SPORT: Temperatures rose in the Germany – Cameroon matchBut is the ground shifting permanently in the game? Europeans and South Americans have been so superior that maybe what they fear is they might now be seen as inferior. In Japan’s Niigata Prefecture there is a custom of ushi no tsunotsuki – Japanese bullfighting, not man against beast, but two 1,000 kg animals goaded to fight one another.The foreplay is long, the kill can take seconds. And then the gentle folks of Niigata eat the slaughtered beef. “Old bulls that have been competing for years make pretty tough meat,” we are told. “They’re only good for hamburgers.”France, Argentina, Portugal and Italy became hamburger beef in this tournament. When Senegal and South Korea sniffed at the air, sensing their chance of a lifetime, they turned into teams that grew braver with every match.advertisementSHOCKED: Italy’s GattusoWhen the United States of America realised the established order was here for the taking, they got more gung-ho by the match. And when Turkey, which faces from west to east every day, came back to their first World Cup for 48 years, they seized the opportunity to stay longer than anybody expected.Reputations are burning in the East. The furious, and curious, energy of this World Cup has proved too much for some of the most talented players on earth. It thrills and frightens us at the same time.Every night is a story, every forecast is folly, and on either side of the Dong Hae, the sea between Korea and Japan, there is a sense that by bringing the game to Asia, we have liberated something extraordinary.The humourists guide to world cup tacticsClick here to EnlargeIt is fun being in the midst of this feeling that we are out of control, or the game fuelled by such nationalism is. There lurks a suspicion that we might rue the departure of such truly talented people as Zinedine Zidane, Gabriel Batistuta, Luis Figo. They have gone without getting into their stride, replaced by athleticism; the survival of the fittest. In a poll of the 32 World Cup coaches, all of them forecast France or Argentina would win the World Cup. Neither team survived the first round. France were too old, too reliant on Zidane. Argentina were cowed by an unreasonable expectation that their players could lift the pall of a nation in economic and political catastrophe. To some extent, Brazil gave us Samba in Suwon, yet while R & R – Ronaldo and Rivaldo – score goals for fun, Brazil begs for another IMF loan. But if the pressures around football are surreal, do not let experts tell you the players do not feel for homelands many of them leave in their teens for riches elsewhere.ASIAN TIGER: South Korea players celebrate another winYou must have seen the uncontrolled tears of Hernan Crespo watering the pitch at Miyagi where Argentina fell. You may have seen Batistuta, an absolute gladiator of the sport and a winner of everything bar the World Cup, sitting there on the bench, his head slumped, his pride hurt.A former England manager, Joe Mercer, once said genius is fine when it is in tune with the team. When it sours, it contaminates those around it. France had a genius, but Zidane’s thigh injury incapacitated him. Argentina had Juan Sebastian Veron, but he was off form.Portugal had Figo who had suffered from playing too many games for Real Madrid on an injured ankle. And Francesco Totti, Italy’s idol, got himself red-carded for cheating against Korea.advertisementHAIR BORNE: USA’s Clint MathisI come back to fear. Portugal, supposedly with the finest players of their generation, were so afraid they tried to kick the dervishes of South Korea into submission. It was almost racist: bully the Asians and they will lose composure.What they forget, or probably never knew, is Korea’s lifelong fight-against the Japanese, against the communists and against the international tendency to underestimate Korean toughness. The message to Spain, and whoever else comes South Korea’s way, is simple: kick a Korean in front of all those fervent supporters, and he will beat you where it counts – on the pitch.The Great Soccer BazaarClick here to EnlargeWhat we are seeing is a levelling of football standards, partly because European clubs have bought talents from lands near and far, partly because, so the former great players like Franz Beckenbauer, Michel Platini and Johan Cryuff tell us, the top players endure too much football these days; they come to a World Cup too tired to show their majesty. The levelling of standards is, therefore, down, rather than up.If I were Asian, I would take this excuse with a grain of salt.How much longer must the 3.3 billion population be told that the Asian is intrinsically handicapped? That he is the wrong body type to play muscle on muscle, bone on big bone with the Europeans, Latins and emerging Africans? If you still believe that, you cannot have been watching the Koreans out-run, outlast, outjump and out-battle two of Europe’s highly fancied runners.SAMBA RHYTHM: Ronaldo and Rivaldo gave Brazilians fans a lot to cheer aboutThe boot, for once, is on the other foot. South Korea’s Dutch coach Guus Hiddink and his trainers have taken Koreans as long in the tooth as Hong Myung-bo and Hwang Sun-hong, and put them through three months’ gruelling effort which broke some players, but others emerged fitter than Marines.Hiddink had one precious commodity – time – and a huge budget sponsored by Chung Mong-joon, head of the Korean FA, heir to the Hyundai billions and potential political leader of his country.Heroes & ZeroesClick here to EnlargeSo, with access to players bigger nations cannot get, the coach also took young saplings, one of them Cha Doo-ri, the son of Korea’s only previous world-rated player, out of university to toughen up for the World Cup. Cha, Hong and Hwang are still pursuing the dream. The Italians and Portuguese, their victims, are heading for the beaches where, perhaps subconsciously, they wanted to be all along.There are suggestions from certain camps that Asia is a destabilising place to host a World Cup. I could not disagree more. With 56 of the 64 matches played, the co-hosts have provided an inspiring, well-organised, secure tournament. We cannot blindly proclaim that the globalisation of the global game is poorer because unheralded nations are having their day.A Senegalese after his team beat SwedenNor can we blame the culture and climate for quirks among the established order. It is hot, humid and sometimes torrentially wet here, but Mexico, the host to two of the most memorable World Cups in 1970 and 1986, had all those vagaries plus high altitude, plus heavy smog, plus shambolic organisation. What those years had were Pele and Maradona, phenomenons who shut out distractions and performed. What 2002 has is Joao Pinto and Francesco Totti who point conspiratorial fingers at referees.Italy got some disputed decisions, but in a World Cup where boldness holds the key, Italy’s coach Giovanni Trapattoni eschewed a wealth of scoring talent while attempting to squeeze games.advertisement5 Great GoalsClick here to EnlargeHere was darkness self-inflicted. He left out Marco Delvecchio, Vincenza Montella and, for long spells, Alessandro Del Pierro while asking Christian Vieri to score the goals. He preferred old soldiers like Angelo Di Livio to gifted strikers, and paid the price.South Korea in 1988 used an Olympics in Seoul to present itself to the world commercially. Now it runs on the fuel of three incentives. To go further than Japan, to equal North Korea’s 1966 World Cup victory over Italy, to sustain the most powerful outpouring of self-worth South Korea has known.The pace of Korea, the underestimated technical ability to control the ball at that pace, and so far the unconquerable spirit are all perfectly legitimate traits of sport. As the new Koreans are saying, “Hup (Dutch for Go) Korea!”
zoom The Norwegian car shipping company Höegh Autoliners has been referred to the Competition Tribunal of South Africa for prosecution on seven charges relating to collusive tendering, price fixing and market division.The charges come on the back of a probe into widespread anti-competitive conduct in the market for the provision of transportation of motor vehicles, equipment and machinery by sea to and from South Africa, according to the country’s Competition Commission.Höegh Autoliners was accused of colluding with Japan’s Mitsui O.S.K Lines Ltd (MOL) from around 2009, when the two companies allegedly engaged in prohibited practices in that they agreed and/or engaged in concerted practices as competitors to fix prices, divide markets and tender collusively.The Commission said that the charges entail a number of collusive activities from 1997 to 2010 to ship motor vehicles from Thailand, Japan and India to South Africa, from South Africa to Europe, North Africa and North America, as well as to Europe.MOL previously approached the Commission in terms of its Corporate Leniency Policy and was subsequently granted leniency for its involvement in the cartel conduct in exchange for information and full cooperation in the matter.In referring the matter against Höegh to the Tribunal for adjudication, the Commission is seeking an order declaring that the company is liable for the payment of an administrative penalty equal to 10% of its annual turnover on each of the charges.
February 5 was Darren Criss’ birthday, and to celebrate, he has asked his fans to help him fulfill his birthday wish – to raise vital funds for Musicians on Call (MOC).MOC’s mission is to share the healing power of music in hospitals across the US by bringing volunteers to perform for patients bedside, and providing comprehensive CD libraries and individual players to patients.For a small donation, fans can enter to win a trip to LA to hang out with Darren. They will plan the day together – he could show them around the city, take them out for a meal, etc. Flights and accommodations will be included for a winner + a guest.Fans can also receive guaranteed rewards for various donation amounts – an exclusive campaign t-shirt, a signed photo, a private Skype session with Darren, and even a signed guitar.To find out more, visit Prizeo.com.
Paying homage to ghazal legends, ‘Andaaz-e-Bayaan’ – a concert by composer-singer Shakeel Ahmed will be held at Amaltas Auditorium, India Habitat Centre. The performance will take the audience on a beautiful journey of ghazals where musical legacy of greats like Begum Akhtar, Mehdi Hassan, and Jagjit Singh, will be celebrated in a most scintillating setting. The concert will also feature some of Shakeel Ahmed’s original hits.Towards the middle of the last century, the Ghazal seemed to be sinking into oblivion. Its revival and popularity today is an outcome of the brilliance and talent of a number of individuals. Of these, a few attained legendary status. Also Read – An income drop can harm brainDuring the event, audience will see a performance which emphasises the creativity in each generation and the absolute joy that a live program of Ghazals can be when the singer is a master of the art of Ghazal Gaayaki. Narrative and commentary by Laxmi Shankar Bajpai and Rajesh Badal in conversation with Dr Mridula Tandon will provide brilliant insights into the lives and times of these legendary singers, their struggles and their triumphs Shakeel Ahmed is a new rising star in the ancient tradition of Ghazal Gaayaki. He is an artist who has given performances countrywide and abroad and has carved a niche for himself in the world of music. In an era where fusion and new age music dominate the current Indian music scenario, Shakeel Ahmed is a rare performer who continues to excel and please the connoisseur with his impeccably rendered traditional puritan raga based ‘gayaki’.
Darjeeling: A Division Bench of the Jalpaiguri Circuit Bench of Calcutta High Court ruled on Wednesday that both the Binay Tamang and Bimal Gurung factions of the Gorkha Janmukti Morcha can field candidates for the Darjeeling Assembly by-elections. However, they will have to be fielded as Independent candidates.Incidentally, the Gorkha Janukti Morcha had undergone a split in 2017, with both Bimal Gurung and Binay Tamang claiming stake. Later Anit Thapa, the general secretary of GJM, had filed a writ petition at the single bench of Justice Debangshu Basak in Calcutta High Court. Also Read – Bengal family worships Muslim girl as Goddess Durga in Kumari PujaJustice Basak had ordered the Election Commission of India to decide whose claim was right. “The EC has filed an appeal in the Division Bench of Justice Sanjib banerjee and Justice Shuvra Ghosh, stating that the EC does not have the infrastructure to adjudicate on the matter of registered non-recognised parties that number around 2,500 in India,” stated Saikat Chatterjee, Special Public Prosecutor. Joy Saha, the counsel appearing for Anit Thapa, argued that as per Section 29(A) of the Representation of People’s Act, all registered parties have to hand in names of office bearers and constitution to the EC hence. As the EC has access to such information, it is but apt that they should adjudicate. Also Read – Bengal civic volunteer dies in road mishap on national highway”The appeal was admitted. Though the bench did not give the final order , it ruled that both the Binay Tamang and Bimal Gurung factions can use the name of Gorkha Janmukti Morcha during campaign trail, however the names of the factions have to be specified,” stated Chatterjee. The bench further ruled that candidates fielded by the factions will have to be fielded as Independent candidates. “Symbols used by the GJM in previous elections cannot be used by both the sides and they will have to use the symbols accorded by the EC. As nominations for the by-election will have to filed by April 29 and polling is on May 19, the bench did not give the final order but has given a solution to the impasse for the time being. After the election, the matter will be heard again,” added the Special PP.
Love them or hate them, the Los Angeles Lakers long represented the closest thing the NBA had to a proverbial land of milk and honey. For the better part of three decades, the club often had a surplus of star players, a robust record, and the occasional championship trophy.Then they were hit with what equates to a biblical drought for their fans: a five-season stretch without a playoff berth.But on Sunday night, the sky opened up and watered the thirsting Laker franchise, as LeBron James, the world’s best basketball player, chose to join the Los Angeles club as a free agent, agreeing to a four-year, $154 million deal, according to Klutch Sports, the sports management agency that represents James.James’s choice will change the NBA landscape for obvious reasons. LeBron reached eight straight NBA Finals in the Eastern Conference, and his departure from his hometown Cleveland club almost certainly figures to put the Cavaliers back in the cellar, while also giving other teams in the badly diminished East — like Boston, Philadelphia and Toronto — a clearer path to the Finals.But the more pressing issue for the 33-year-old James is how quickly he and the young Lakers can become title contenders while Golden State essentially has a stranglehold on the league.The answer obviously hinges on the route Los Angeles takes next: either a more patient approach that lets the talented yet unseasoned Lakers develop around James, or a more aggressive one that involves trading some of that talent for a proven star like Kawhi Leonard.Regardless of which path the Lakers take, they will be considerably improved if LeBron can stay healthy the way he always has.According to CARMELO, FiveThirtyEight’s NBA player projection system, the current club with James would be projected to win 52 games, with an 11 percent probability of winning it all next season.1This assumes the Lakers would be keeping Julius Randle, who is currently a restricted free agent — one Los Angeles can exceed the salary cap to keep if it wishes. The projected win total would jump considerably, to nearly 60 victories with a 22 percent probability of a title, if the Lakers were to land Leonard in exchange for Brandon Ingram, Kyle Kuzma, Luol Deng and a first-round pick or two. Such a deal would sting — Ingram has incredible potential, and Kuzma’s an impressive young scorer — and you can bet on the Lakers doing all they can to resist surrendering this sort of haul. Yet Leonard’s stature as a top-five talent when healthy is impossible to deny, and he would quicken any timeline for contention. (The late-Sunday-night addition of Lance Stephenson didn’t figure to help the team much, per our projections, which essentially label the ex-Pacer as a replacement-level player at this point.)The first scenario, in which LeBron plays with the homegrown Lakers, would be a pretty far cry from 2014, when he started his second stint with Cleveland by playing alongside two other established scorers in Kyrie Irving and Kevin Love and thrived in a wide-open offense that catered to James’s unique ability to drive and kick. The Lakers ranked near the bottom of the NBA in 3-point shooting and may need to scour the free-agent market for perimeter marksmen.And while Los Angeles boasts a much better defense than the Cavs had last year, the Lakers were similar to Cleveland in that they lacked a true rim-protecting presence on last season’s club. More than 30 percent of Lakers’ opponents shots came from within 3 feet of the basket, tied for the third-highest rate in the NBA last season, according to Basketball-Reference. (The Lakers also agreed to terms Sunday with JaVale McGee, who isn’t the most reliable on D. But he had his moments against James in the Finals and his wingspan helps him around the rim.)There would be at least one clear upside: After a year where James had to dominate the ball in Irving’s absence, he can now share that responsibility with second-year point guard Lonzo Ball. The two could connect quite frequently in transition, given that Ball is known for his uptempo style and long outlet passes, and James — looking to get a breather after some offensive possessions — will occasionally hang back and cherry-pick layups and dunks.Ball figures to be a part of the core going forward, even if the Lakers do push for Leonard. The Spurs — long seen as the league’s most straitlaced team — are rumored to lack interest in Ball, likely due to some of the off-court distractions that surround him. But having Leonard would carry obvious benefits. James — who hasn’t played on a roster without a prime-age All-Star-caliber teammate since the 2009-10 season2The 2015-16 season was the only one in that stretch where none of his teammates made the All-Star team, but Kyrie Irving only failed to make the roster because he was injured that year; his performance on his return was up to his usual standard. — wouldn’t have to shoulder nearly as much of the clutch-scoring burden. Perhaps more important: In a potential matchup with the Warriors, James wouldn’t necessarily have to defend Kevin Durant, as Leonard would be more than capable of handling that task.By no stretch of the imagination are the Lakers a force to be reckoned with yet. But after these last five years, the roughest dry spell in franchise history, this is a welcome shift. Depending on how aggressively Magic Johnson and the team’s front office handles the trade market, they could creep into Golden State’s rear-view mirror more quickly than many suspected. Nabbing LeBron James, even at damn-near 34 years old, will speed up just about any team’s process.— Neil Paine contributed to this story.CORRECTION (July 2, 2018, 12:25 p.m.): An earlier version of this story incorrectly stated that LeBron James had not been on a team without at least one other prime-age All-Star since the 2009-10 season. In 2015-16, he was the only All-Star for the Cleveland Cavaliers.