Rabat- Low clouds will sweep the Atlantic skies above the coast and Atlantic plains. The DMN expects foggy weather in the northern and central coasts. Gusts of chilly winds are ahead in every region of the country.The high temperatures for Tuesday vary between 2 and 3 degrees Celsius in the reliefs and the Oriental regions; 4 and 9 degrees Celsius in Saiss, Tangier, the northern and southeastern slopes, the Phosphates Plateau, and Oulmes; and 10 and 15 degrees Celsius in the far south. Read Also: First Snowfall Blankets Ifrane with 30 CentimetersLow temperatures range from 11 to 16 degrees Celsius in the reliefs and the Oriental regions; 16 to 21 degrees Celsius in Saiss and the northern, southern and southeastern plains; and 22 to 27 degrees Celsius in Souss and the southern provinces.The sea levels are stable to high in the Mediterranean, the Atlantic off Tan-Tan, Tangier, and the Strait of Gibraltar.
Some of the most active companies traded Monday on the Toronto Stock Exchange:Toronto Stock Exchange (up 49.27 points to 16,002.78, a record high):Canopy Growth Corp. (TSX:WEED). Health care. Up $2.43, or 19.00 per cent, to $15.22 on 14.7 million shares. Alcoholic beverage company Constellation Brands has signed a deal to acquire a nearly 10 per cent stake in the Canadian marijuana company for $245 million.Precision Drilling Corp. (TSX:PD). Oil and gas. Up 45 cents, or 13.80 per cent, to $3.71 on 5.7 million shares.Aurora Cannabis Inc. (TSX:ACB). Health care. Up 15 cents, or 5.26 per cent, to $3.00 on 5.3 million shares.Crescent Point Energy (TSX:CPG). Oil and gas. Up 68 cents, or 7.18 per cent, to $10.15 on 5.2 million shares.Aphria Inc. (TSX:APH). Health care. Up 54 cents, or 8.00 per cent, to $7.29 on 5.1 million shares.Element Fleet Management Corp. (TSX:EFN). Financial Services. Up 87 cents, or 9.21 per cent, to $10.32 on 5.02 million shares.Companies reporting major news:Cenovus Energy Inc. (TSX:CVE). Oil and gas. Down one cent, or 0.08 per cent, to $12.38 on 4.2 million shares. The company is naming Alex Pourbaix as its new president and chief executive, replacing Brian Ferguson who is retiring after 33 years with Cenovus and its predecessor companies. Pourbaix retired from TransCanada Corp. earlier this year where he was most recently chief operating officer. He starts the new job on Nov. 6 and will also be a member of the Cenovus board of directors.
Imagine having to make the difficult choice between buying food or menstrual hygiene products.For many people, it’s an unfortunate reality.Tanya Faulkner, Labour Program and Services Co-ordinator with United Way Niagara, says that tampons and pads are rarely donated to food banks and shelters — and can be an expensive luxury for people living in poverty.“I know a girl who missed a week of school every month. Her family could only spare enough money to buy menstrual hygiene products for her mother so she could go to work and earn an income,” she says.“In other situations, people who are underemployed, unemployed or homeless may choose to eat a meal instead of purchasing health products.”Beginning this week, Brock University’s United Way committee is organizing a menstrual hygiene product drive as part of a larger local Tampon Tuesday initiative. Community members are being asked to take the #oneboxchallenge and donate an unopened box to support local people in need.Tampons, pads or other menstrual hygiene products will be collected until Friday, March 1 at several locations on campus (listed below).The boxes will be brought to one of three Tampon Tuesday events taking place across Niagara on Tuesday, March 5 from 5:30 to 8 p.m. in celebration of International Women’s Day.Last year’s Tampon Tuesday event collected nearly 2,300 boxes, but Faulkner says that the need is always greater than what is provided. With the additional help of large organizations like Brock University on board this year, she’s hoping to collect closer to 6,000 boxes.“We’re grateful that Brock is involved. The collective effort of students, staff and faculty can make a huge impact in our local community,” she says.In addition to contributing to this year’s initiative, members of the Brock community will also benefit from its success. The Brock University Students’ Union Food First program is one of 15 local recipients of this year’s drive.“The Food First program has seen an exponential increase in demand over the past couple of years,” says Joyce Khouzam, Vice-President, Student Services for Brock University Students’ Union. “Surprisingly, we’ve seen the most usage from graduate students, even though the program is an undergraduate program.”Khouzam says that about 1,500 Food First packages have been given away since September 2018, each including seven grocery items and two hygiene products of the students’ choices. Students can access the program up to three times per semester.Normally, if a student needed menstrual hygiene products, a box would be counted as one of their two allocated hygiene products.“With the donations from Tampon Tuesday, we can offer pads or tampons in addition to the nine items in the package,” says Khouzam. “Students won’t have to make the choice between toilet paper or tampons.”Other Tampon Tuesday recipients include Community Care of St. Catharines and Thorold, Community Care of West Niagara, Community Living Port Colborne-Wainfleet, Fort Erie Multicultural Centre, GBF Community Services, The Hope Centre, Pelham Cares, Port Cares, Project SHARE, The RAFT, Westview Centre4Women and YWCA Niagara.Tampon Tuesday began as a grassroots effort more than decade ago. An individual working with Bell Media in London, Ont., identified the community need and began organizing monthly events with guest speakers from local agencies. It wasn’t long until United Way Centraide Canada got on board and helped spread awareness across the country. This is the third year United Way Niagara is involved in the initiative.What: Tampon Tuesday — Menstrual hygiene products collection driveWhen: Monday, Feb. 11 to Friday, March 1Where: Several locations on Brock University’s campus:Brock Campus StoreBrock Card officeBrock Central at the Registrar’s OfficeComputer CommonsDeCew Dining HallGeneral Brock StoreLibrary Ask Us deskLowenberger Dining HallMarilyn I. Walker School of Fine and Performing Arts security officeNursing department in East Academic building 3Student Life Involvement CommonsWalker equipment room (Cage)Walker welcome deskFor more information, contact Brock University’s Tampon Tuesday lead organizer Beth Natale, Director, Recruitment and Retention, at x3564 or firstname.lastname@example.org
← Previous Story Luka Zvizej acts Dejan Peric in a movie: “He was like our father and our brother” Next Story → Elezovic stays, Mirkovic joins Serbian champion RK Vojvodina There is no doubt who will be the first favorite to win the VELUX EHF Champions League next season after F.C Barcelona has signed two world-class star – Nikola Karabatic and Kiril Lazarov! Macedonian TOP scorer is coming from BM Atletico Madrid, where he spent last three seasons and played in the two EHF Champions League final. The most wanted trophy he will be able to win in Barca’s t-shirt, which he will wear in the next two seasons.Before Spain, Lazarov played for C.O Zagreb and MKB Veszprem at the international scene. In Macedonia he began to play in Ovce Pole. He also played for Borec and RK Pelister Bitola. handball transferskiril lazarov f.c barcelona intersportkiril lazarov transfer
THE BODY representing Irish primary school principals has called for a “CAO-style” model to govern enrolment into both primary and secondary schools.The Irish Primary Principals’ Network says proposals to reform entry into Irish schools should take their lead from the college admissions process – and ask pupils to list their preferred secondary schools in order of preference.The body wants a web-based application system where all children entering primary school, or sixth class pupils moving into second-level education, list their choices for the schools they want to attend.“Then, parents could get their first, second or third choice, depending on supply and demand factors, in a method similar to the CAO application process for college,” said IPPN director Sean Cottrell.The calls follow plans from education minister Ruairi Quinn to overhaul the school admissions process, prohibiting policies where schools can choose to prioritise the children or siblings of past pupils, or operate a ‘first come, first served’ model.Earlier this month Quinn told a conference of secondary school teachers he would be introducing legislation to ensure a more equal admissions system for schools.The principals’ proposals would only kick in if a school gets more applications than it has space to cater for – and says the model would reduce stress for parents and boards of management by making the admissions process more transparent.Cottrell said the IPPN wanted a single enrolment application form for all public schools, with nearby schools clustering to form catchment areas and cooperating on their own enrolment criteria.The association is backing Quinn’s plans which would force schools to stop prioritising students who are the children of former pupils, or the children of current teachers at those schools.However, the association does want allowances for families who have always lived in one school’s catchment area, but who may now find themselves muscled out if new homes have been built closer to that school, so that those families are not pushed out of their traditional school.Read: Ruairí Quinn: School enrolment to be ‘more structured, fair and transparent’Poll: Should schools introduce ‘CAO-style’ admission?
US MEDICAL DEVICE manufacturer Medtronic has struck a deal worth €32 billion in cash and stock for healthcare technology player Covidien, which has significant operations in Ireland.As part of the deal, the executive leadership of the company will move to Ireland, with Medtronic operational headquarters remaining in Minneapolis where it employs more than 8,000 people.The new entity will have 87,000 employees in 150 countries around the world.Commenting on the news Medtronic chairman Omar Ishrak, who will move to Ireland to head up the corporate management team, said:“This acquisition will allow Medtronic to reach more patients, in more ways and in more places. Our expertise and portfolio of services will allow us to serve our customers more efficiently and better address the demands of the current healthcare marketplace.”RevenuesThe deal could be beneficial for the new entity from a tax perspective, with combined revenues €13 billion in revenues from non-US markets now potentially not having to be banked in the States.Ishrak told Reuters that the deal was not driven by tax considerations.In a statement, Covidien and Medtronic said that the primary purpose of the deal was to “combine products, services and insights into solutions aimed at expanding access and reducing healthcare costs”.Medtronic maintained that the new company will remain “committed to the US as a healthcare innovator, strategic business partner and employer of choice”.The deal, which still must be approved by shareholders of both companies, is likely to go through towards the end of this year or at the start of 2015.It is expected to result in at least $850 million (€628 million) in annual pre-tax cost savings by the end of fiscal year 2018.Read: Covidien workers to meet management over Athlone jobs fears>Read: Medical devices company Abbott to cut 200 jobs in Tipperary>
The Greek academics and educators who are preparing a Greek community submission as part of the Victorian Languages Strategy Discussion Paper, are calling for the inclusion of the Greek language in the new national schools curriculum currently being developed by the Australian Curriculum and Reporting Authority (ACARA), according to reports.Neos Kosmos understands that the committee which was established following a meeting at the Greek Community of Melbourne and Victoria (GOCMV) has prepared a draft discussion paper which will be considered by the six organisations partnering in the submission.The partners include, GOCMV, Modern Greek Teachers’ Association of Victoria, the Greek Studies Program of La Trobe University, Education Office of the Greek Consulate in Melbourne, Cyprus Community of Melbourne and Victoria and Victorian School of Languages. The submission has commentary on the teaching of the Greek language as well as recommendations for the strengthening of the Greek language teaching.Neos Kosmos understands that the submission is critical of how Modern Greek has been ‘marginalised and undermined in government schools’ by unsympathetic principals and School Councils who refuse the appropriate allocation of resources and teaching staff.The influence of Greek on all European languages and Western culture is emphasised as is data demonstrating that Modern Greek is the third most spoken language in Australia. The submission also suggests that Greek should be offered from Prep to Year 10, at least in one school, in each geographical area with a strong local Greek community; and calls for the establishment of a Language Centre for Greek. The Language Centre would provide opportunities for professional development. If established, it would link with University Language and Teacher Training Programs and local communities, according to the draft submission. The draft submission concludes, “that the new Victorian Language Policy needs to include the Greek language as it has demonstrated the teaching of highly organised language programs, highly competent teachers, strongly funded by the Greek Government, and most importantly, has proven that it has been successfully taught.” Facebook Twitter: @NeosKosmos Instagram
The head of the Eurogroup, the countries which use the euro currency, Jean-Claude Juncker issued a statement earlier this week in an attempt to stop the controversy that has been created over comments he made which alluded to the European Union knowing about an imminent economic crisis in Greece for some time and that a Greek prime minister had admitted to widespread corruption in the country. “Mr Juncker said that a few years ago, when Greece’s competitiveness figures indicated that it would find itself in a very difficult economic and fiscal position, everyone in the rest of Europe knew that the country faced a very serious corruption problem,” said a spokesperson for Luxembourg’s prime minister. “Despite that, as president of the Eurogroup, he was not in a position to speak publicly because there would be a terrible outcry. “To show that the attitude of Greek authorities to the problem has now changed, he referred to what George Papandreou said after the general election of 2009 about there being a serious corruption problem in Greece.” Juncker’s clarification settled the argument about which prime minister he had been referring to. Both Costas Simitis, who took Greece into the single currency, and Costas Karamanlis, Papandreou’s predecessor, denied that they had ever publicly or privately claimed Greece was corrupt. Although Juncker may have put to bed one argument, another replaced it yesterday as Papandreou’s opponents rounded on him for sullying Greece’s name. “His repeated public comments that Greece is a corrupt country did plenty of damage,” said New Democracy leader Antonis Samaras. “Prime ministers do not criticize their countries, they lead them.” Government spokesman Giorgos Petalotis said that ND was displaying “some gall” in criticising PASOK after handing over the economy in a terrible state. Facebook Twitter: @NeosKosmos Instagram
France : de plus en plus de décès en maisons de retraiteComme chaque année, l’Insee a publié une étude sur les chiffres concernant la population française en 2009. Une étude qui met en avant le fait que les Français vivent toujours plus longtemps, et par conséquent sont également plus nombreux à mourir chaque année en maison de retraite.Voilà quatre ans que le nombre de décès qui surviennent en France chaque année augmente. Cela ne veut pas dire que la médecine ne progresse plus ou que les Français sont davantage malades qu’auparavant, mais cela s’explique par l’effet démographique. La population augmente. À lire aussiFacebook : publication d’un rapport détaillé sur l’activité de la firmeL’Insee indique que l’espérance de vie ne cesse d’augmenter elle aussi chaque année, passant en 2009 à 84,5 ans pour les Françaises, et 77,8 ans pour les Français. Les personnes âgées sont ainsi de plus en plus nombreuses à décéder en maisons de retraite, explique E-santé, pour une proportion de 12% alors que ce chiffre était de 6% en 1980.Du côté des jeunes enfants, et pour la première fois depuis longtemps, la mortalité infantile (survenant lors des premières semaines après la naissance) augmente légèrement, après avoir stagné durant 2005 et 2008. Elle touche ainsi 3,7 enfants sur 1.000 naissances, soit 0,1% de hausse par rapport aux trois années précédentes. L’Insee explique que la France était 5e en 1999 au classement européen des plus faibles taux de mortalité infantile, puis 14e en 2008. Une saisonnalité des décès a également été observée, et montre que les personnes âgées sont plus nombreuses à mourir en hiver, tandis que les moins de 35 ans décèdent plus fréquemment lors des deux principaux mois d’été.Le 13 novembre 2010 à 19:11 • Emmanuel Perrin
Facebook Twitter Google+LinkedInPinterestWhatsApp Related Items: Facebook Twitter Google+LinkedInPinterestWhatsApp#Bahamas, December 9, 2017 – Nassau – Patrik Marti, Head of Credit Suisse, right, paid a courtesy call on Minister of Financial Services, Trade & Industry and Immigration the Hon. Brent Symonette at the Ministry’s Offices on December 6, 2017.(BIS Photo/Raymond Bethel)
The Columbia River Crossing appears close to a mitigation agreement with two of the three major riverfront manufacturers negatively affected by the project, after Greenberry Industrial announced Monday that it was nearing a deal.The company’s statement follows a similar confirmation by Oregon Iron Works last week. But the CRC so far hasn’t found the same progress with the third business, Vancouver-based Thompson Metal Fab.“We haven’t reached any settlement with them,” Thompson spokesman Tom Hunt said Monday.CRC officials expect to use millions of taxpayer dollars to compensate the three manufacturers who say they’d be squeezed by the $3.4 billion Interstate 5 Bridge replacement, which would reduce the maximum clearance under the freeway. Project and state leaders have spent recent months negotiating with each company to determine just how much they’ll pay as mitigation.Greenberry’s statement indicates those talks are approaching a resolution on two of three fronts.“Greenberry Industrial is close to reaching a mitigation agreement with Oregon and Washington on the impact a restricted-height Interstate 5 bridge would have on our company’s operations,” Greenberry’s statement said. “We are encouraged by the progress of recent negotiations and are optimistic about reaching an agreement that will enable Greenberry to maintain its proven business model and will protect critical manufacturing jobs for our employees in both states.”Through a spokesman, the company declined further comment. It’s unclear how much the CRC would pay Greenberry under the agreement, or whether Greenberry would move any part of its existing operation downstream of a new I-5 bridge.
Vancouver technology startup Trek Global sees a big niche in helping small businesses manage inventory and recordkeeping using cloud-based services, and it believes it has the products to fill that niche.Trek Global’s challenge is to get the word out to prospective customers so that it can stay ahead of competition in the fast-evolving world of cloud data storage and management. It believes that nearly half of all companies will move to what is called cloud Enterprise Resource Planning software in the next five years, and hopes for huge growth from its revenue of $1.2 million in 2013.That’s why the company, with 12 U.S. employees, including seven based in Vancouver, pitched to the Oregon Entrepreneur Network’s Angel Oregon fund for investment funding for marketing and promotions. The company is a semifinalist in the rigorous competition, and on Monday it will learn whether it will be one of three companies headed into a final round in the competition. Winners in the Angel Oregon spring contest typically receive investments of $200,000 to $300,000.“Our product is ready to go. We just need for people to hear about us,” said Joel Stangeland, Trek Global’s CEO.Stangeland, 45, is a Vancouver native and Evergreen High School graduate. He spent time working for various technology companies on the East Coast and California but returned to his hometown four years ago with business partner Joel Hoffman to launch Trek Global.“I could see these was a deep need that wasn’t being served,” he said.That market need, he says, is for cloud-based data management tools for midsize companies that are too large for QuickBook tools but too small to afford the services of companies such as SAP, Oracle and Microsoft. Trek Global offers comprehensive warehouse and distribution management for data and a flexible pricing structure.
Close PUBG addiction: Groom plays PUBG at his own wedding’ ignores his new bride While the popular online battle-royale game, PUBG celebrated its popularity in India with Baahubali-themed outfits, its situation in China has not been as good. After a tussle for revenue that lasted more than a year, developers Tencent decided to withdraw their popular game in favour of a clone which has received regulatory approval to generate revenue.The anti-terrorism themed game is called ‘Game for Peace’ and has the same mechanics as the original game. Players can continue from the progress they had in PUBG and the maps are quite similar too. However, the game has a completely different lobby, with an aeroplane hangar and several jets parked around the place. As Reuters reported, the game has been described as a “tactical shooting game” which “pays tribute to the blue sky warriors that guard our country’s airspace”, referring to the Chinese air force. Forwarding the socialist agenda of the Chinese market, several gory effects of PUBG Mobile have been replaced with paintball effects after a public outcry over excessive gore in games. The textures on some items have also been changed, possibly to resemble the Chinese military colours.A change that confounded several players was the animation for deaths. Upon death, characters kneel and wave before fading away instead of dropping to the ground. Game for Peace (former PUBG Mobile) for ChinaTencentThis decision has moved players to call out China for being ‘brainwashed’. A YouTube comment on a gameplay video read, “Oh China, you are so funny^^ Oh no, ‘brainwashed’ was the word I am looking for.”Even after being the largest gaming company in China, Tencent Holdings Ltd. has had to deal with the new regulations about the kind of games that are approved for Chinese audiences.However, business for Tencent looks good. Analysts at China Renaissance said, “With PUBG Mobile having around 70 million average daily active users in China now, we expect Game for Peace could potentially generate 8 billion yuan to 10 billion yuan (8,200 crores to 10,250 crores of rupees) in annual revenue.” PUBG Mobile banned in China permanentlyIBTimes IndiaPlayerUnknown’s BattleGrounds was released for PCs in March 2017 and its mobile version came almost a year later in February. Since then, PUBG has garnered international popularity with over 70 million players reported from China alone.Watch Game of Peace aka PUBG Mobile Chinese version gameplay here:
Stockbrokers have sought the rationalisation of the securities transaction tax (STT) in the Union budget, which will be the last one of the Narendra Modi government’s current term.The demand has been raised on a wish list that the Association of National Exchanges Members of India (Anmi) and Bombay Stock Exchange Brokers Forum have jointly presented to market regulator Securities and Exchange Board of India (Sebi).Though the government in an election year is expected to present only a vote-on-account, the traders hope Finance Minister Arun Jaitley will look into their demands.Another major issue on which the traders want Sebi to put pressure on the North Block to consider is a withdrawal of the dividend distribution tax (DDT), according to media reports.Market sources say the traders are also pressing for an exemption from the long-term capital gains tax (LTGC), which they think is a major irritant for the market.The brokers have sought a rethink of the additional STT on the exercise of options as it is causing “inefficient pricing” at settlement. The government levies additional STT at the rate of 0.125 per cent on option contracts that are exercised.”We would like to state that extensive thought process has been put in and we as associations have pondered over each and every suggestion from our members,” Anmi and Brokers Forum have said in the representation to Sebi.The trade bodies say an increase in the STT rate, the withdrawal of a tax rebate, and the introduction of GST (goods and services tax) without subsuming the statutory levies related to stock exchange transactions are hurting the market.An overall rationalisation would help increase trade volumes and boost government revenue, they say.The government has from this financial year withdrawn an exemption from LTCG tax for securities held for a period exceeding three years. The LTCG is levied at the rate of 10 per cent. Earlier, the gains from the sale of shares held for a period of one year or more were exempt from taxes.”It is pertinent to mention that in India, the percentage of total population investing in stock exchange-traded instruments is abysmally low. Hence, there is need to attract and incentivise the investors for holding the investment for long-term so as to attract conventional investors who invest in gold, fixed return instruments or real estate,” the letter to Sebi says.The brokers’ bodies have sought the withdrawal of the DDT saying it is adversarial taxation. “The present form of adversarial taxation on a dividend of around 20 per cent results into triple taxation of corporate earnings. The tax on the dividend should be in the form of equalisation to balance the difference between corporate and personal tax. Hence, it is recommended that DDT is withdrawn and the tax should be levied at 10 per cent on the recipient.”
What Your System Can Do for You Small business phone systems used to be extremely basic. You’d have one or two phones, one or two lines and some notepads for taking messages. Things certainly have changed.With VoIP and other types of IP-based telephony, your phone system can be integrated with your data network, providing advanced features. For example, if a store manager needs to replace a worker who’s called in sick, software running on an IP phone system can automatically call every potential replacement employee, one at a time. An employee who wants to accept the extra work shift simply presses a button on his or her phone.If your phone system doesn’t offer much more than a dial tone, a few extensions and voice mail, it could be holding back your business. This month’s column provides an overview of small business phone systems, with an eye toward helping you decide what’s right for your company. Next month, I’ll explain the business functionality to look for in IP telephony (IPT) solutions.Your Phone System OptionsSavvy small businesses have traditionally had either a key telephone system or a private branch exchange (PBX). Both systems allow businesses to connect their phones through a limited number of lines to the public phone network.A key system is typically used in small offices that need only a few extensions. A PBX is a switching system that manages calls between internal users and shares external lines among them. Historically, you could access an outside line directly with a key system, but you had to dial 9 to get an outside line with a PBX.The introduction of VoIP has changed the landscape completely, allowing small businesses to get phone service exclusively over the internet. When it comes to VoIP-based systems, you have a number of options. You can use a free or inexpensive service, such as Skype or Vonage, in which you make and receive calls over the internet using headset-equipped computers or traditional telephones. Typically, these services are used when only a couple of phone lines are required. Alternatively, you can have a complete IPT solution that integrates voice, video and data. Or you can use a hybrid system that incorporates VoIP capabilities into your existing phone system. All key system vendors have introduced product lines capable of supporting VoIP.The internet voice phenomenon began with VoIP, which referred to the ability to obtain a dial tone over the internet. Now VoIP has evolved into more advanced IPT solutions, which include dial tone with basic services that lead to enhanced communications technologies, such as unified communications. Today people generally mean the same thing when they refer to VoIP and IPT, even though technically there’s a difference.Here’s a quick rundown of the various options for IP-based phone systems:VoIP is the most basic IP voice system , in which phone calls are carried over the IP network you use for data. An IP network that carries data and voice is referred to as a “converged” network. You can get IPT service through such services as Skype or Vonage, as mentioned above. These VoIP services can offer advanced features, such as the ability to receive voice messages as audio file e-mail attachments, in addition to the usual conference, transfer, forward, hold and other functions. These are primarily for businesses with less than five employees.IPT solutions offer VoIP plus a number of features similar to those offered by traditional PBXs for both small and large businesses on a converged network. These solutions can be tailored based on your needs.IPT solutions can be extended to include additional business applications, such as unified messaging, integrated contact centers, and rich-media conferencing that combines voice, data and video.Unified communications can take IPT solutions a step further with technologies, such as presence–the ability to determine the best way to contact others within your company, including voice, e-mail or IM–as well as mobility solutions. A unified communications system unifies and simplifies all forms of communication, regardless of location, time or device. Imagine going to one mailbox to retrieve all your faxes, e-mails and voicemails. Benefits of Converged Voice and DataAn IP phone system can offer the following benefits to a small business:Communication costs, such as long-distance toll charges, are drastically reduced.Productivity and efficiency are enhanced through capabilities, such as having one phone number that rings on multiple devices simultaneously.Phone connections and locations can be easily and affordably moved, added or changed.Remote and mobile employees can use the IP phone system and its features in the office, on the go or at home, on various devices. For instance, they can use a softphone (a software interface to your IPT system) and a headset to make and receive calls on a laptop. Or they can use wireless IP phones, allowing them to tap into the phone system wherever there’s a wireless network available.IP phone systems are flexible, scalable and customizable, so they can grow in step with your business.An IPT solution can be tied into CRM software to enhance customer service.Hosted or Managed?Even though many IP phone systems are designed and priced for small businesses, you may find they’re still too expensive for your budget. Or you may lack the in-house technical expertise to manage an IP phone system. The good news is you don’t have to buy an IP phone system to take advantage of its features, and you don’t need in-house expertise. Instead, you can use a hosted or a managed IP phone system, depending on your needs.With a hosted service , the service provider–not you–owns the equipment that supports your IP phone system. And the equipment aside from the phones resides with the service provider, not on your premises. The hosted-service provider is fully responsible for your IP phone system, which is delivered to your business over an IP network, such as the internet.Because the service provider delivers the same services to multiple customers at once, you benefit from the economies of scale. Also, you don’t have to invest capital for your phone system; instead, you pay the hosted provider a fixed monthly fee. You don’t have to worry about supporting and maintaining the service, and you have access to technical experts when needed. You also don’t have to worry about disaster recovery. For instance, if there’s fire or other damage at your office, the IP phone system–because it resides off the premises–won’t be affected. Hosted-service providers typically deploy top-notch system security, too.A hosted IP phone system is a good option for small sites that don’t have an existing key or PBX system and don’t have the technical capabilities to support an IP phone system.With a typical managed service , you own the IP phone system, and the equipment that supports it resides on your premises. But the system is entirely managed by an independent service provider. By outsourcing the IP phone system, you don’t need in-house expertise to design, deploy and maintain it–a considerable task for any small business. At the same time, you can take advantage of the tax benefits of owning the equipment, while paying an affordable monthly rate for the managed service. A managed service is worthwhile if you already own a phone system but lack the in-house expertise to manage it or need more control over the phone system.Making Your Small Business Look BigYou may be perfectly happy with a basic phone system, and that’s OK. But ask yourself this: Are your competitors relying on the same basic phone systems they’ve been using for years? Can your phone system easily support your company’s goals for growth? And, perhaps most important, wouldn’t you like your small business to look bigger than it really is–to your customers as well as your competitors? Opinions expressed by Entrepreneur contributors are their own. Growing a business sometimes requires thinking outside the box. Register Now » Free Webinar | Sept. 9: The Entrepreneur’s Playbook for Going Global
Ex-FBI agent details raid on Phoenix body donation facility Former Arizona Rep. Don Shooter shows health improvement Clean energy: Why it matters for Arizona Early signs of cataracts in your parents and how to help Comments Share Sabah police chief Jalaluddin Abdul Rahman confirmed two fatalities but couldn’t give further details.Sabah Parks director Jamili Nais said several injured climbers had been brought down the mountain. Most of the 137 stranded people were cautiously trying to descend with the help of park rangers and guides, and some were expected to reach the base camp by early Saturday, he said.Some were foreigners, but it wasn’t clear how many.The climbing route was apparently blocked or made dangerous by rocks and boulders loosened by the quake and small aftershocks, Jamili said.Helicopters were unable to land because of bad weather and the high altitude, he said.The quake damaged roads and buildings, including schools and a hospital on Sabah’s west coast.State Tourism Minister Masidi Manjun tweeted that it also broke one of the twin rock formations on the mountain known as the “Donkey’s Ears.”Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. KUALA LUMPUR, Malaysia (AP) — A magnitude-5.9 earthquake struck near Southeast Asia’s highest mountain on Friday, killing two climbers, injuring 11 others, and stranding more than a hundred people on the peak, Malaysian officials said.The quake was centered northwest of Ranau district in Sabah state on Borneo at a depth of 54 kilometers (34 miles), Malaysia’s meteorological department said.Local media said rescuers recovered two bodies from 4,095-meter Mount Kinabalu believed to be of a local guide and a 12-year-old female Singaporean student. New Valley school lets students pick career-path academies Milstead says best way to stop wrong-way incidents is driving sober Top Stories The vital role family plays in society Sponsored Stories
Mesa family survives lightning strike to home Speaking at a cultural festival in Baile Tusnad, Romania, Orban accused the European Union of failing to defend its citizens from the “masses of illegal immigrants,” who he said threatened the cultural identity of European countries and contributed to increased terrorism, unemployment and criminality.“For us, today Europe is at stake,” Orban said. “The survival, disappearance or, more precisely, the transformation beyond recognition of the European citizen’s lifestyle, European values and the European nations.”“The question now is not only what kind of Europe we Hungarians would like to live in,” Orban said. “Rather, will all that we now call Europe exist at all?”“It is clear that we can’t filter out the hostile terrorists in the huge crowds,” Orban said, adding that there had been a “drastic increase” in crime where illegal migrants lived.“We would like for Europe to keep belonging to the Europeans,” Orban said. “We want to preserve the Hungarian Hungary.”Most refugees who request asylum in Hungary quickly leave for other destinations in the EU like Germany or Sweden before their cases are settled. Orban has repeatedly said that Hungary does not want any migrants from outside Europe and has been granting asylum to just a few hundred annually in the past several years. New Valley school lets students pick career-path academies Here’s how to repair and patch damaged drywall 0 Comments Share Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Arizona families, Arizona farms: providing the local community with responsibly produced dairy Quick workouts for men “The really serious threats are arriving not from the war zones … but from the depths of Africa,” Orban said. “Northern Africa today can no longer defend Europe from the immense masses of people.”Orban spoke to mostly young supporters at the same cultural festival where a year ago he outlined plans to convert Hungary into an “illiberal state” such as Russia, China and Singapore. That idea, as well as his accusations that civic groups critical of his government were working for foreign interests, drew widespread criticism, including from President Barack Obama.This time, Orban lashed out mainly against the EU leadership in Brussels and left-wing ideology, accusing them of willfully supporting immigration to weaken Europe’s nations and their unique cultures.“The European left sees the problem of immigration not as a source of danger but as an opportunity,” Orban said. “They believe … that the escalation of immigration can extremely weaken or even eliminate the national structures.”Orban is in his third term as prime minister. He first led Hungary between 1998 and 2002, returning with a landslide majority in 2010 after Socialist-led governments were unable to solve the country’s growing economic problems. Ex-FBI agent details raid on Phoenix body donation facility BUDAPEST, Hungary (AP) — Illegal immigration is a threat to Hungary and all of Europe, with the biggest risk coming from hundreds of millions of people from the “depths of Africa” looking to escape poverty, Hungarian Prime Minister Viktor Orban said Saturday.Over 90,000 migrants and refugees have reached Hungary so far this year and it is building a 4-meter (13-foot) high fence on its border with Serbia to stem the flow. While the government had set a Nov. 30 deadline, Orban said the fence would be completed by Aug. 31. Top Stories Sponsored Stories 5 ways to recognize low testosterone
March 20, 2019 1,277 Views Conventional Ellie Mae FHA fico scores mortgage Purchase Loans rates Refinance VA 2019-03-20 Radhika Ojha in Daily Dose, Featured, News, Origination Falling mortgage rates and a decreasing time to close loans has resulted in an uptick of purchase loans, according to the Ellie Mae Origination Insight Report released on Wednesday.The report noted that the 30-year rates have declined for the second consecutive month to 4.86 percent from 5.01 percent in January. The time to close loans has also decreased by two or more days for all loan types. These factors have resulted in the percentage of purchase loans rising to 66 percent from 65 percent in January, even as the percentage of Adjustable Rate Mortgages (ARMs) decreased to 7.6 percent in February from 8.6 percent in the prior month.Refinances, the report indicated, made up 34 percent of all closed loans. The average time to close refinance loans also decreased to 35 days, compared with 47 days for purchase loans.Breaking up the rates by loan product, the report revealed that the average 30-year rate on FHA loans decreased to 4.91 percent in February. Conventional and VA rates decreased to 4.88 and 4.66 percent, respectively.“Purchase percentages have increased following both the holiday season and the 30-year note rate decline,” said Jonathan Corr, President and CEO of Ellie Mae. “We expect this increase to continue as we enter the busier spring buying season.”The closing rates for all loan types increased to 75.5 percent with refinance closing rates increasing to 70.8 percent and purchase closing rates increasing to 78.2 percent. The report noted that 70 percent of all closed loans had FICO scores over 700. While 70 percent of purchase loans had FICO scores over 700, 68 percent of refinances had FICO scores over 700.Looking at the profiles of all closed loans, the report indicated that the average FICO score on all closed loans increased two points to 726 in February. Average loan to value increased to 78 and debt to income ratio decreased to 25/39.Click here to read the full report. Homebuyers Get a Spring in Their Step Share
Sheryl Crow says 2008 fire destroyed all her master tapes FILE – In this Monday, Nov, 5, 2018 file photo, Sheryl Crow performs at the Elton John AIDS Foundation’s 17th annual “An Enduring Vision” benefit gala at Cipriani 42nd Street in New York. Singer Sheryl Crow says the original tapes of albums such as “Tuesday Night Music Club” and the track “All I Wanna Do” perished in a 2008 fire at Universal Music Group. Crow told the BBC Wednesday, June 26, 2019 that her master tapes and back-ups were destroyed in the blaze and that she only discovered the loss after a New York Times report revealed the extent of the damage. (Photo by Andy Kropa/Invision/AP, File) LONDON — Singer Sheryl Crow says the original tapes of albums such as “Tuesday Night Music Club” and the track “All I Wanna Do” perished in a 2008 fire at Universal Music Group.Crow told the BBC Wednesday that her master tapes and back-ups were destroyed in the blaze and that she only discovered the loss after a New York Times report revealed the extent of the damage.Crow says the fire “feels a little apocalyptic” and that she didn’t “understand the coverup.”A group of artists, including Soundgarden and estates representing Tupac Shakur and Tom Petty, have sued. The artists allege that Universal failed to protect music ruined in the fire and inform them of the extent of its impact.Universal did not immediately respond to a request for comment.The Associated Press by The Associated Press Posted Jun 26, 2019 7:04 am PDT Last Updated Jul 1, 2019 at 10:24 am PDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email