About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 17 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Advertisement The London Voluntary Sector Training Consortium advises voluntary organisations on seeking funds from the European Union. It has published a guide to the financial aspects of seeking and receiving grants from the European Social Fund.For a free copy of Accessing the European Social Fund: a financial guide for voluntary groups, contact the London Voluntary Sector Training Consortium Free guidance on European Social Fund Howard Lake | 22 September 1999 | News
The two communist leaders meet today in Havana. Reporters Without Borders compares the behaviour of these two major predators of free expression on the Internet (See .pdf file below). News China’s Cyber Censorship Figures ChinaAsia – Pacific Help by sharing this information News China: Political commentator sentenced to eight months in prison Organisation ChinaAsia – Pacific Follow the news on China News November 22, 2004 – Updated on January 20, 2016 Castro or Hu Jintao? Who’s the biggest violator of free expression? June 2, 2021 Find out more Democracies need “reciprocity mechanism” to combat propaganda by authoritarian regimes Related documents Hu Jintao – CastroPDF – 94.82 KB RSF_en Receive email alerts * “It’s not censorship…””…just taking care of a bit of subversion, that’s all” to go further April 27, 2021 Find out more News The two communist leaders meet today in Havana. Reporters Without Borders compares the behaviour of these two major predators of free expression on the Internet. March 12, 2021 Find out more
continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Last week Jennifer blogged about the timing requirements for periodic statements. Today, I want to look at periodic statements for mortgage loans and what to do when a potential successor in interest reaches out to the credit union after the sole borrower’s untimely death, hopefully after a long and prosperous life and not like a Lannister soldier encountering a dragon.Periodic Statement Exemptions. Section 1026.41(e) of Regulation Z contains a few exemptions from the general rule that periodic statements must be sent for each billing cycle of a closed-end consumer credit transaction secured by a dwelling. The periodic statement rules do not apply to reverse mortgages, timeshare plans, certain fixed-rate loans that use coupon books, and small servicers. See, 12 CFR § 1026.41(e)(1)-(4). There is also an exemption for certain borrowers in bankruptcy if any borrower is either in an active bankruptcy or a borrower’s personal liability on a loan has been discharged and one of the following also happens:The borrower requests in writing that the credit union stop sending periodic statements;The borrower’s bankruptcy plan calls for the surrender of the borrower’s home, avoids the credit union’s mortgage lien or fails to provide for the payment of the pre-bankruptcy arrearage or payments on the loan going forward;
MDL has carried out a complete overhaul of a number of lifting equipment on board a North Sea FPSO, in the facility’s 20th year in operation.The marine services project, which reinstated a 25-tonne riser pull-in winch and three 200-tonne anchor chain winches, is estimated to have contributed to extending the working life of the FPSO by a further 10 years.The initial scope of work carried out by MDL’s project and engineering team was to survey the lifting equipment on board the North Sea facility, to assess condition and plan 5-year maintenance and testing, following a period of no operation.Following the survey, the MDL teams executed on-board equipment overhaul, including complete winch strip down, service, reassembly and load testing. MDL offshore expertise also came into play for winch wire respooling, carried out in-situ under tension.“Over 1400 MDL man hours have gone into this project across all MDL disciplines to deliver a solution that was fit for purpose and added value by extending the assets’ producing life, without costly repair works onshore,” said Steve Morrison, MDL project engineering manager.
With all of the playoff uncertainties surrounding the Wisconsin women’s hockey team, Sunday’s senior day game could be the last in the Kohl Center in the careers of four UW seniors. Should that be the case, those seniors certainly went out on a positive note.Wisconsin bounced back in the series finale against Minnesota State, winning 6-0 after losing Friday’s meeting 5-3.On a day where teammates, coaches, friends and family honored all the effort the seniors had given over the years, the small group of seniors responded with standout performances.Senior captain Jasmine Giles tallied two goals and an assist while forward Kyla Sanders recorded another goal and an assist herself. Senior goaltender Alannah McCready, meanwhile, did away with the Maverick offense in registering her fifth career shutout.“It was nice to see people rewarded for years of effort, time and sweat,” interim head coach Tracey DeKeyser said. “I’m just really happy it was able to end this way at the Kohl Center for our players, for the fans — a lot of families travel to see us. It was a textbook day for senior day.”After the Badgers experienced a disappointing finish on Friday, in which the Mavericks jumped out to a 3-0 advantage 12 minutes into the first period, the entire Wisconsin crew strengthened its play, as the underclassmen were motivated not to spoil the day for the seniors.Freshman Alev Kelter knocked back a goal just three minutes into the game to give Wisconsin an early lead. Though the goal was the first of her career, Kelter was just happy to help make the day special for her senior teammates.“We love them so much, and we just want to keep this momentum going into next week against Minnesota,” Kelter said.The Badgers held the Mavericks to 17 and 14 shots on goal in the weekend series, though they allowed five goals in the first game before recording a shutout in the finale. DeKeyser credited MSU’s goals to a few defensive breakdowns and shots that hit sticks and redirected.On Sunday, however, the rest of the defense upstaged Minnesota State’s offense. McCready could not take all the credit as her teammates limited shots on goal and prevented offensive rebounds.“They were really solid today,” she said. “We had really good breakouts, and if I had a rebound they were clearing it out right away, so that always helps out a lot.”In honoring the seniors, the Badgers’ camaraderie was aglow and as the Badgers continued to increase their lead, other players who do not normally receive much playing time got the call and increased the team’s energy.“There was a lot of good chatter on the bench. They were encouraging, and they were all happy,” DeKeyser said. “They were all equally happy when we had players that don’t normally see much ice time got a couple shifts here and there. It was good to see them working with each other and be[ing] happy for one another.”Sunday’s game also displayed a preview of what is to come of the Badgers in the future, as two freshmen recorded goals.Sanders’ goal in particular was a mark on how far she and her freshman prot?g?, Kelter, have come this season as Sanders redirected a shot from Kelter for the team’s third score.“She’s my mentor so it’s good to have that,” Kelter said. “We get buddied up — each player has a buddy — so to have that little connection going we were super pumped about that.”After Friday’s loss, the win on Sunday was crucial in the efforts to clinch one last home series for the playoffs.The Badgers now find themselves tied for third place with St. Cloud State and one point ahead of Bemidji State. Whether the seniors and the rest of the Badgers will return for one last homestand will be decided next week against No. 2 Minnesota in the regular season finale.While Giles — who recorded her 100th career point on Sunday — is determined to secure a favorable playoff seed, she would rather not think of it as a matter of whether she will play in the Kohl Center one last time or not.“I don’t want to think about it that muchl if I do it’ll just make me sad,” she said. “I just want to remember the great times we had out here — the Harvard game is something I’ll never forget, [and] the Dartmouth game we played.“Just so many wins here, so many great memories, great goals.”