The evolution of the ways to pay

first_imgDuring the recent CUES Webinar, “Preparing for the Ever-Evolving Digital Wallet,” Sundeep Kapur told attendees that the future of money will include electronic payments, encrypted payments, credit card company innovation, and mobile wallets.“As an industry, we have seen a lot of this innovation come to market already,” explained Kapur, consultant and founder of Digital Credence. “While some have been successes, others have failed. The digital wallet will continue to evolve as new currencies and faster payment methods are developed.”Here are four things to consider as payments move forward:1) Technology innovation – As CUs make technology decisions, they need to remember that people can now move money in seconds. In addition, faster payment networks and big data are leading to a more personalized digital banking experience. “We’re learning that businesses and consumers prefer mobile as a medium of transaction which can be leveraged,” he said. “Many of us have gone to a retailer who offers to send you a digital receipt. Do you offer this to your members when they make a transaction at a branch or an ATM?” continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Five things to know about ‘gender dysphoria’ in children

first_imgLifeSiteNews 19 August 2016“Gender dysphoria” (GD) is a condition in which a person may feel unhappy with his or her biological sex, express a desire to be the opposite sex, or even insist that he or she is of the opposite sex from what his or her genes and anatomy indicate. People who choose to adopt a “gender identity” different from their biological sex are known as “transgender.”This condition is increasingly being identified not merely in adults, but even in very young, pre-pubescent children. The American College of Pediatricians (an organization formed as an alternative to the larger and more liberal American Academy of Pediatrics), has now released an important paper on “Gender Dysphoria in Children.” It provides a significant medical and scientific counterweight to the growing ideology that demands affirmation of “transgender” identities—even in children.I encourage those interested to read the College’s press release and the full study. For those wanting a brief summary, however, here are five key points I took away from the paper.1) There is no scientific evidence that people with gender dysphoria are “born in the wrong body.”Those who identify as transgender often claim that they are “women born in men’s bodies” or “men born in women’s bodies.” Yet the scientific evidence put forward in support of this theory is weak. In fact, studies of twins have shown that when one twin identifies as transgender, only 20% of the time does the other twin also identify as transgender. This finding alone disproves the idea that gender dysphoria results primarily from prenatal genetic or hormonal influences. (Note: “gender dysphoria” is not the same as biological “disorders of sexual development”—DSD—or “intersex” conditions. The vast majority of people who identify as transgender are entirely normal males or females genetically and biologically.)2) Most children who experience gender dysphoria do not grow up to identify as transgender adults.Research has shown that, left to themselves—that is, if they are not given special hormone treatments and not permitted to “transition” into living socially as a person of the opposite sex—most children who exhibit symptoms of “gender dysphoria” will resolve those issues before adulthood and will live as normal males or females with a “gender identity” that corresponds to (rather than conflicts with) their biological sex at birth. Historically, this has been true of between 80% and 95% of gender dysphoric children.3) Despite #2, many children with gender dysphoria are now being funneled into a treatment protocol that involves both early and ongoing hormone treatments.It is one thing (and radical enough) for someone born a boy to be allowed to start living as a girl, or vice versa (that is, to “socially transition”). However, some children (as young as 11) are actually being given hormones to block the natural effects of puberty before it begins. The physical differences between male and female children (when clothed) are relatively small and fairly easy to conceal with clothing. Those differences become greater after puberty, which in turn makes it more difficult for a teenager who identifies as transgender to “pass” as a member of the opposite biological sex. Puberty blockers are intended to forestall that “problem.”Then when they are older (although sometimes as young as 16), they may begin to receive “cross-sex hormones” (e.g., estrogen for males who identify as female, or testosterone for females who identify as male). These continue the suppression of characteristics of their biological sex, while triggering some of the characteristics of the intended gender (such as breast growth or development of facial hair).4) Such hormone treatments may have serious negative health consequences—both known and unknown.Supporters of puberty-blocking hormones contend that their effects are reversible, giving a child the opportunity to change his or her mind about gender “transition” upon reaching adulthood. Case studies show, however, that in reality such an intervention puts the child on a nearly inevitable path to a transgender identity—in sharp contrast to most gender dysphoric children who are not so treated. Completion of the entire protocol of both puberty-blocking and cross-sex hormones (especially when followed by sex reassignment surgery) results in permanent sterility—the inability to ever have biological children, even using artificial reproductive technology. The American College of Pediatricians argues, “The treatment of GD in childhood with hormones effectively amounts to mass experimentation on, and sterilization of, youth who are cognitively incapable of providing informed consent.”As for cross-sex hormones, a comprehensive review of the scientific literature found, “There are potentially long-term safety risks associated with hormone therapy, but none have been proven or conclusively ruled out.” For example, giving estrogen to biological males may place them at risk for cardiovascular disease, elevated blood pressure, gall bladder disease, and breast cancer; while giving testosterone to biological females may be associated with elevated triglycerides, sleep apnea, and insulin resistance—in addition to the risks associated with obtaining a double mastectomy, which some may do when only 16 years old.5) Research shows that “severe psychopathology and developmental difficulties” often precede the development of gender dysphoria.A more compassionate approach to caring for children with gender dysphoria would involve what was once the “standard approach”—either “watchful waiting” or psychotherapy “to address familial pathology if it was present, treat any psychosocial morbidities in the child, and aid the child in aligning gender identity with biological sex.” Children are in no position to given meaningful “informed consent” for more serious and potentially hazardous procedures such as hormone therapy. read more

IBP-Capiz condemns ‘ambush’ on lawyer

first_img“My death threat ining si Dordas kag nanotice niya nga may nagasunod sa ilafrom Dao on their way to Panitan town while traversing Barangay Timpas road. Paglupok naka gwa siya sa salakyan kag nakabalos palupok using his service pistol,” Mahometano said.       ROXAS CITY, Capiz – The Integrated Bar of thePhilippines (IBP) in this province condemned the attempt on the life of itsmember Atty. Cris Heredia, 49, and her daughter.         Heredia was on board a white Toyota Fortunerdriven by her daughter when they were “ambushed” in Barangay Malapad Cogon inSigma, Capiz around 11:30 a.m. on Monday. “We see the incident as a threat to the legalprofession,” Bartolome added. Dordas, a government employee, was slightlyhit on the neck. Initial investigation of the Sigma policestation showed assailants targeted Heredia’s client Jimmy Dordas as based onthe trajectory of bullets that riddled the lawyer’s car. Police investigators claimed the incident wasmore likely a “shooting incident” and not ambush.     The IBP-Capiz said the attempt on their lives“is another detestable act which has no place in a democratic society which theIBP abhors.”         Several empty shells of a .9mm-caliber firearmwere recovered from the crime scene and a makeshift silencer found few metersaway.      Heredia and Dordas were ambushed few minutesafter attending a court hearing in Dao town on a land dispute case.        “Pagkabatonnaton sang balita sa natabo kay Atty. Cris Heredia, nagtuga ini sang kakugmang sa aton,” IBP-Capizpresident Atty. Remia Bartolome told PanayNews. “The legal profession calls upon its membersto continue to be vigilant and to pray for the safety of all its members,” itadded.         Police said Heredia and her daughter, whorecently passed the medical board examination, were unharmed./PN “We alsocall upon the authorities to investigate the incident as this is not just anattack to a lawyer but an attack to the right to life of each and everyindividual,” it said.   “Sa amonnga pag imbistigar sa paglantaw namon based on the volume of fire nagwa nga si Jimmy Dordas ang target kay sa likod siya naga pungko,” Sigma chief Captain ChristianMahometano said.    last_img read more

A possible record white-tail deer taken in Ohio

first_imgShare Facebook Twitter Google + LinkedIn Pinterest We all have that buddy that says they saw the biggest buck ever. For all we know all that guy probably saw in the woods on a crisp, fall early morning was the backs of his eyelids.But for Junction City, Ohio hunter Dan Coffman, this picture is all the proof he needs!According to, Coffman reportedly harvested one of the largest whitetail deer ever taken by a hunter, which has inadvertently launched a social-media firestorm that has people questioning the deer’s authenticity.It’s believed that Coffman was hunting in Fairfield County the evening he shot the deer, on October 27th. Rumors about the size and legitimacy of the buck are already scattered across the Internet.Is the “Coffman Buck” large enough to best Pope & Young’s current world-record non-typical “Beatty Buck” (2000) of 294 inches?Find out more about it here and good luck topping this one this year. Chances are he’ll walk by while you’re napping.last_img read more

Give Internet Radio A Fighting Chance

first_imgI just called my senators. Over the weekend, Pandora founder Tim Westergren sent an urgent appeal to support the Internet Radio Fairness Act. With a push from Pandora’s 150-plus million users, this new law could finally make Internet radio a viable business.As an Internet radio service, Pandora shells out roughly 55% of its revenue in royalty fees, paying more than triple what other types of radio pay. Satellite radio SiriusXM pays about 7.5% of revenue in royalty fees and cable 15%. Old-school on-the-air radio pays a few cents to a dime each time it spins a song. Saddled with such a high royalty rate, Pandora struggled for nearly 10 years. Until 2010, when the company first posted a profit, media outlets reported the Internet radio operated on the “verge of collapse.” Like most injustices regarding big-brand content on the Internet, the higher royalty rate for Internet radio can be traced to the Digital Millenium Copyright Act of 1998. Westergren wants to fix it – and he wants Pandora users to help by promoting his solution to legislators. His championed legislation, the Internet Radio Fairness Act proposed by U.S. Senator Ron Wyden (D-Ore.), and U.S. Representatives Jason Chaffetz (R-Utah) and Jared Polis (D-Colo.), would level this anti-Internet playing field – or as Techdirt put it, “bring some sanity back to webcasting royalty rates.”“Fourteen years ago, when online radio was in its infancy, the incumbent interests were successful at getting laws passed to discriminate against the Internet,” said Wyden in a statement on his site. “This bill puts Internet Radio on an even plane with its competitors, and allows the music marketplace to evolve and to expand – which will ultimately benefit artists and the internet economy.”The RIAA-backed recording lobby group musicFIRST is proposing alternative legislation that would increase cable and satellite royalty fees to match Internet radio levels, instead of lowering the Internet radio rate. Pandora’s decade long struggle to make a profit suggests that increasing the royalty fees would doom satellite and cable radio. This fact has yet to register with musicFIRST. “There’s nothing fair about pampering Pandora, with its $1.8 billion market cap, at the expense of music creators,” Ted Kalo, executive director of musicFIRST, told TechCrunch.Westergren counters Kalo’s claim that lower royalties would hurt musicians, writing in his appeal: “As a lifelong musician, I’m fully supportive of artist compensation, but this situation can’t continue. Internet radio is bringing millions of listeners back to music, and is playing the songs of tens of thousands of promising artists who would otherwise never be heard. It should be given a fair chance to succeed.”As a listener of Pandora for years, I can personally back up Westergren’s claim that Internet radio benefits musicians by increasing their audience.  My senators received a message today in support of the Internet Radio Fairness Act. Will yours? 5 Outdoor Activities for Beating Office Burnout 9 Books That Make Perfect Gifts for Industry Ex… Related Posts 12 Unique Gifts for the Hard-to-Shop-for People…center_img Tags:#music#web 4 Keys to a Kid-Safe App fruzsina eordoghlast_img read more

Mohit sings for Games at Qutub

first_imgHe came, sang and conquered the hearts. Singer Mohit Chauhan set the stage on fire on Thursday evening at the ongoing Qutub Festival when he crooned soulful numbers from his repertoire – numbers that have successively taken his career notches higher than before.Chauhan, who first shot to fame as the lead vocalist of the erstwhile band, Silk Route, strung together a beautiful evening of songs interspersed with anecdotes from his journey from the verdant mountains of Himachal Pradesh to the maximum city of Mumbai.”It has been a long journey and only I know how I have managed it,” he said before dedicating the first song of the evening to his home state.”This folk song from Devbhumi (referring to Himachal Pradesh) – Oh Lal Chidiye Ne -is close to my heart,” he said. Soon, more well-recognised numbers followed – Kissa Tera, Teri Dastan (Kismat Konnection ), Yeh Dooriyan (Love Aaj Kal ).The singer with a glossy voice, who lived in Delhi for a few years before shifting to Mumbai, recalled an amusing anecdote from his student days.”I was a science student and used to study rocks. When I joined the master’s programme, I didn’t study for six months because I was busy admiring the mountains and composing this song,” he said and hummed few notes of his popular number – Dooba Dooba from the Silk Route’s debut album, Boondein ( 1998).The song got the audience humming and grooving along. Post this number, Chauhan continued with the story of his life’s journey.advertisement”When I was a student, I used to sit on the last bench of the class to be able to admire the mountains,” he said. And then came the songs that the audience was most eagerly waiting for – Masakali (Dilli 6) and Pee Loon (Once Upon A Time in Mumbai) . Chauhan seemed to be in a mood to play with the audience.He said, ” There is a film called Jab We Met that has a song called Masakali ,” and added, “I’ll sing it only on one condition – you’ll have to sing along.” The crowd was more than willing; they happily sang along and jived to the lilting number from Dilli 6 . He had to cut short his story and the soiree due to time constraints but the singer promised to return soon.- The bands Indian Ocean and Euphoria get on stage for the Qutub Festival tonight.last_img read more

Test cricket turns 2000- A peek into history

first_imgThe India-England Test at Lord’s will be the 2000th in the history of the game. Mail Today looks back at the journey.It is considered an anachronism in the fast-paced modern world with its craving for instant results. But the five-day format has not only survived, but also flourished amidst the surfeit of One-Day Internationals and the Twenty20 format.Ask any cricketer worth his salt and he will tell you that the satisfaction gained from excelling in a Test match cannot be felt in any of the shorter versions. Despite several experts from time to time painting doomsday scenarios for Test cricket, the magic still keeps true lovers of the game spellbound.As Test cricket reaches another major milestone, let’s sit back and remember some memorable moments in its history.THE DONHe is the yardstick against which all batsmen are measured. His Test average of 99.94 is the most sacred statistic in the game, probably never to be emulated. A national icon for Australia, his feats with the willow only prompt amazement in v cricket lovers down the generations.NUMBER 800Muttiah Muralitharan celebrates his 800th Test wicket after despatching Pragyan Ojha in Galle. AgenciesMuttiah Muralitharan is the Don Bradman of bowling and his Test aggregate of 800 wickets may never be matched. The one-man bowling army for Sri Lanka had a dream farewell, taking his 800th wicket on the final day of his last Test to set up a victory against India inMAGICAL DELIVERYLeg-spin was considered a dying art when Shane Warne took the ball against England at Old Trafford in the first Ashes Test of 1993. But cricket was never the same once Mike Gatting was bowled by a delivery that pitched well outside leg-stump to hit the top of off. As someone said: “Gatting looked like someone has stolen his lunch.”advertisementIT’S A TIEThe rarity of a tie can be gauged by the fact that there have been only two in history. The first one, between Australia and the West Indies in Brisbane (1960-61), was a nerve-jangling affair. Aussie Ian Meckiff was out going for the run that would have won it.GARDEN OF EDENIt was the mother of all comebacks. Forced to follow on at Kolkata’s Eden Gardens in 2001 after trailing by 274 runs against Steve Waugh’s mighty Australians, on a 16-match winning streak, VVS Laxman and Rahul Dravid dug in to bat for well over a day to turn the tables. Laxman scored 281 and Dravid 180. Harbhajan Singh did the rest with the ball to seal an amazing victory.EPIC NO. 50Sachin Tendulkar looks up as he celebrates his 50th Test ton on the 4th day of the first Test against South Africa in Centurion on December 19, 2010. APThere are not many batting records out of Sachin Tendulkar’s closet. The Mumbai maestro, who has the highest run aggregate in Test cricket, also has 51 hundreds in the longest format of the game. It is said that when he goes out to bat, the whole of India goes out with him. Comparisons with the Don are commonplace.WELL PLAYEDIt was one moment when cricket truly was the winner. After England won one of the greatest Tests by beating Australia by two runs at Edgbaston in 2005, Andrew Flintoff consoled the brave Brett Lee before celebrating with his England teammates.STANDING THE TEST OF TIME The first Test was played between Australia and England in Melbourne from March 15 to March 19, 1877. Australia won the Test by 45 runsThe first ball was bowled by England’s Alfred Shaw to Australian batsman Charles BannermanThe first wicket: England’s Allen Hill took the first wicket when he dismissed Australian opening batsman Nat ThomsonThe first hundred: Charles Bannerman was not only the man to score the first run, but also the first ever centurion. He scored an unbeaten 165 before retiring hurtThe first bowler to take five in an innings: England’s Alfred Shaw was the first bowler to take five wickets in an innings. He achieved the feat in the second innings when he took five for 38Highest score: West Indies’ Brian Lara holds the record of the highest individual score. He scored 400 not out against England in Antigua in 2004Highest individual total in a Test: England’s Graham Gooch scored a total of 456 runs against India at Lord’s in 1990. He scored 333 in the first innings and 123 in the secondShining on debut: West Indies’ Lawrence Rowe is the only batsman to score a double century and century on debut. Against New Zealand at Kingston in 1971-72, he scored 214 and 100 not outadvertisementYoungest centurion: Bangladesh’s Mohammad Ashraful is the youngest to score a century. He made 114 against Sri Lanka in Colombo in 2001, aged 17 years and 61 daysOldest to 100: England’s Jack Hobbs scored 142 against Australia in Melbourne in 1928- 29, at the age of 46 years and 82 daysMost dismissals: South Africa’s Mark Boucher has 521 dismissals (499 catches and 22 stumpings) – the most for a wicketkeeperPerfect 10: Anil Kumble is one of only two bowlers to take all 10 wickets in an innings. He emulated England’s Jim Laker by taking 10-74 against Pakistan in Delhi in 1998-99Safe hands: Rahul Dravid holds the record for the most catches by a non-wicketkeeper. In 153 Tests, he has 203 catchesAll-round prowess: South Africa’s Jacques Kallis is the most successful all-rounder. In 145 Tests, he has 11,947 runs at 57.43 while taking 270 wickets and 166 catchesLongest reign: Australia’s Allan Border captained his team in 93 Tests, the most by a skipperMost Tests: England have played 911 Tests, the most by any team in the history of the gameMost victories: Australia have emerged victorious in 341 Tests. No other team in the history of the game has been so successfulMost defeats: England have lost as many as 261 Tests and hold the record for the most defeats in the game300 Club: India’s Virender Sehwag is one of a select band of players to have two scores of above 300 in Tests – the others being Don Bradman, Lara & Chris Gayle- Compiled by Manoj Kumarlast_img read more

Canadian music festivals pledging gender equality in lineups by 2022

first_imgAdvertisement LEAVE A REPLY Cancel replyLog in to leave a comment Login/Register With: Facebook Twitter Advertisement TORONTO — Four Canadian music events are joining an international pledge to fight inequality in the industry by vowing to have gender parity across their lineups by 2022.Montreal’s electronic music festival Mutek, western Canadian-based conference BreakOut West, and both North By Northeast and Canadian Music Week in Toronto are among 45 global events agreeing to take part in the initiative.The move is being led by U.K. talent firm PRS Foundation, which founded a program called Keychange in the hopes of “empowering women to transform the future of the music industry.”So excited to announce that 45 music festivals and conferences have signed up to our 50:50 by 2022 pledge! Find out more (and how you can join us) here >— Keychange (@KeychangeEU) February 26, 2018 Vanessa Reed introduces the Keychange 50/50 pledge and says we’ve got lots to do, but we’re excited about this as a start! #keychange— Keychange (@KeychangeEU) February 26, 2018Gender imbalance has long been a conversation in the music industry, though pressure has ramped up in recent years, with both the Grammy Awards and Junos facing criticism over a lack of female representation among their nominees.Music festivals have come under similar scrutiny for poor representation of women among their performers. Some have suggested it’s a relatively easy fix for promoters to book more female artists. Keychange’s goals offer festivals roughly five years to implement their changes.Other international festivals and conferences among the participants for gender balance include Iceland Airwaves, NYC Winter Jazzfest, Liverpool Sound City and the Manchester Jazz Festival. Advertisementlast_img read more

Junior Seaus family settles with NFL over wrongful death lawsuit

first_img KUSI Newsroom, October 5, 2018 KUSI Newsroom Updated: 2:31 PM Junior Seau’s family settles with NFL over wrongful death lawsuitcenter_img SAN DIEGO (KUSI) — The family of former San Diego Chargers great Junior Seau  announced Friday that it has reached a confidential settlement in its litigation against the NFL, which alleged that the Pro Football Hall of Famer took his own life at the age of 43 because of brain injuries sustained during his tenure with the league.Lawyers for the Seau family filed a notice in federal court to dismiss their case against the National Football League.Attorney Steve Strauss of the Cooley law firm confirmed the Seau family had settled the case. No details were released.“It was an honor for Cooley to represent the Seau children in this litigation,” Strauss said in a statement. “Throughout this process, they have demonstrated the same spirit and commitment that their father Junior modeled during his incredible life and NFL career. We know he would have been proud of them.”A post-mortem study of Seau’s brain concluded he had suffered from chronic traumatic encephalopathy, a condition caused by repetitive brain trauma.In 2016, the U.S. Court of Appeals for the Third Circuit approved a settlement between the NFL and a class of 5,000 former players over brain injuries, but the Seau family opted out in order to pursue their individual action against the NFL and recover for the children’s unique wrongful death claims.In its wrongful death suit, the Seau family accused the NFL of negligence and said Seau had suffered from symptoms of brain injury caused by repetitive, traumatic head injuries as an NFL player.Seau, of Oceanside, played 20 years in the NFL, including 13 with the Chargers. He retired in 2009.Junior Seau played football at Oceanside High School and the University of Southern California.In May 2012, he shot himself at his Oceanside home. In 2015, he was posthumously inducted into the Pro Football Hall of Fame as a first-ballot selection. Categories: Local San Diego News, Sports Tags: Chargers, Junior Seau FacebookTwitter Posted: October 5, 2018last_img read more