continue reading » The utilization of chip technology in credit cards was introduced to combat credit card fraud and increase information security. Credit cards are embedded with microprocessor chips, commonly known as “EMV technology”—named after the original developers, Europay, MasterCard and Visa. Unlike traditional magnetic stripe cards, chip-enabled cards support dynamic authentication, which includes unique data in each transaction and makes stored data significantly more difficult for would-be thieves to copy. To encourage the adoption of this technology, there was a fraud liability shift in October 2015: Now, if merchants choose not to provide EMV payment terminals, but the card the consumer used is chip-enabled, the liability for any counterfeit card purchases will fall to the merchant rather than the card issuer. In the case of a “technology tie”—where both the card issuer and the merchant, or neither the card issuer nor the merchant, adopt EMV technology—the liability remains with the issuer. The transition to EMV technology has generally been successful.While initial evidence suggests that the introduction of EMV technology has reduced fraud where the credit card is physically present, there has been an increase in “card not present” fraud—fraudulent transactions in situations where the customer is not required to physically present the card to the merchant, such as online or over the phone. One study estimates that, as a result of the EMV liability shift and the increase in e-commerce, CNP fraud in the U.S. is expected to increase from $3.1 billion in 2015 to $6.4 billion in 2018. This increase in CNP fraud is not surprising. As credit card information has become harder to steal through in-person transactions, it is only logical that identity thieves would look for an easier target: the enormous and still rapidly growing online sales market. Additionally, the U.S. was one of the last major economies to shift to EMV technology; data collected after other countries transitioned to EMV demonstrated that there would likely be an increase in CNP fraud after the shift. For example, one year after “chip-on-chip rates hit a breaking point of … 50 percent” in Canada, CNP fraud increased by 30.1 percent. In Australia, the increase was a staggering 126.1 percent. A November 2016 report from ACI Worldwide estimated that CNP fraud attempt rates in the U.S. would increase 12 percent by volume. 46SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
STORM LAKE — Organizers of a rally a few hours before Saturday’s presidential candidate forum in Storm Lake say shrinking market options for farmers must be addressed. Many of the Democratic candidates who’ve been traveling through Iowa this year already have focused on consolidation and mergers in the agricultural sector.During a recent Radio Iowa interview, New Jersey Senator Cory Booker said mega-mergers are creating real problems for family farmers.“You have three firms that control about two-thirds of all the crop seeds, 70 percent of all the chemicals used in agriculture,” Booker said. “That’s a tremendous concentration of power.”Last August Booker proposed a moratorium on all corporate mergers. He argues federal anti-trust laws designed to prevent monopolies aren’t being followed. Booker said the result is stagnant wages while corporate profits are at an 80 year high.“If these trends continue, the very sort of fundamentals of our democracy are going to begin to unravel,” Booker told Radio Iowa, “and you’re going to see a lot more people calling for more extremism in our country because they don’t believe the democratic system or the economic system can work for them anymore.”Vermont Senator Bernie Sanders made a campaign swing through Iowa earlier this month and denounced concentration in the meatpacking industry as well as the Bayer-Monsanto merger.“While this deal can end up further jacking up seed prices, the CEO of Monsanto was rewarded for engineering that deal a golden parachute worth up to $32 million,” Sanders said, eliciting boos from the crowd. “People should not be rewarded for driving family farmers off the land.”Neither Sanders nor Booker will be in Storm Lake for Saturday’s candidate forum, but two other U.S. senators who’re running for president will be. Senator Amy Klobuchar has been telling Iowa audiences she’s been able to bridge the rural-urban divide in Minnesota. Massachusetts Senator Elizabeth Warren has been calling for the break-up of monopolies and this week pledged to appoint federal officials who would reverse “anti-competitive mergers” — like the Bayer-Monsanto merger.Aaron Lehman is president of the Iowa Farmers Union, one of the sponsors of the “Heartland Forum” Saturday afternoon at Buena Vista University.“Farmers really are wanting to hear how the discussion around farm issues can really make a difference in their communities and on their farm,” Lehman told Radio Iowa this week.J.D. Scholten, the Democrat who challenged Congressman Steve King in last fall’s election, has been helping publicize the Saturday morning rally in the Storm Lake High School gym. Scholten will speak about market consolidation at the event.“The thumb on the scale of fairness is not in favor of the farmers right now,” Scholten said yesterday. “So we’re just trying to balance things out and give farmers a chance.”The “Farmer’s Bill of Rights” rally starts at 10:30 tomorrow. The Heartland Forum begins at 1:30 and will feature candidates Warren and Klobuchar as well as former San Antonio Mayor Julian Castro and former Maryland Congressman John Delaney. Ohio Congressman Tim Ryan has said he’s considering a run for the White House and he’ll attend the forum, too.
In a lawsuit filed in the Southern District of Florida, a woman claims Brown sexually assaulted her on three occasions after the wide receiver hired her as a personal trainer. She claims Brown sexually assaulted her three different times in 2017 and 2018, but Brown’s attorney says the two had a “consensual personal relationship.” The 1_Complaint says that Brown — in three separate incidents, two in June 2017 and another in May 2018 — sexually assaulted a woman named Britney Taylor, a gymnast whom he met while they were attending Central Michigan together and whom he later hired as a trainer.The lawsuit was filed one day after Brown, 31, became a Patriot following a brief, turbulent tenure with the Oakland Raiders that ended when he requested his release last week. Late Tuesday night, the Patriots issued a statement saying that the N.F.L. planned to do its own investigation of the accusations against Brown.“Mr. Brown denies each and every allegation in the lawsuit,” said a statement from Darren Heitner, a lawyer representing Brown. “He will pursue all legal remedies to not only clear his name but to also protect other professional athletes against false accusations.”Brown recently signed with the New England Patriots after he was released from the Oakland Raiders.The Pats signed Brown last weekend after the Oakland Raiders cut the four-time All Pro and seven-time Pro Bowler. The New England Patriots will be back at practice today but it’s uncertain whether the newly-signed wide receiver will be on the practice field. The defending Super Bowl champs had the day off Tuesday, the same day a woman filed suit against Brown, accusing him of sexually assaulting her.
The City of Fort Lauderdale is reversing course on its gym reopening policy.Gym owners in the city could now be risking fines of $15,000 a day if they decide to open.On Monday, city officials gave gyms permission to open, but are now advising them to remain closed until Broward County declares they can return to business.Broward officials issued an order last week stating that gyms are to remain closed until further notice.Nonetheless, Fort Lauderdale Mayor Dean Trantalis signed an executive order on Saturday night that allowed gyms in that city to open.He cited an order by Gov. Ron DeSantis stating that fitness centers across Florida could open as long as they follow safety rules and operate at 50 percent capacity. Now, Broward Vice Mayor Steve Geller warns that gyms that dare to open would be in violation of the county order, bringing on a $15,000 daily penalty.“It’s almost like they want to show who’s boss here,” Trantalis says of county officials.Gyms that opened on Monday do not need to worry about being fined just yet.“We felt it would be unfair to fine them,” Geller explains, citing the contradictory city and county orders.However, county officials will send letters to gyms that opened, informing them they are violating the county order and could be fined if they do not close.“We expect gyms to open sometime next week as long as they follow safety protocols,” Geller said. “We brought in a doctor [at Tuesday’s county meeting] who said gyms should require a 10-foot separation between machines or put up plastic separation or have people wear masks. All we are trying to do is follow safety protocols.”Fort Lauderdale Challenges Broward County’s Order to Keep Gyms Closed
Percival then outwaited Leaf netminder Devin Allen, before drilling a shot to the top corner giving Hawks the 1-0 lead.Beaver Valley made it 2-0 before the period concluded when the Leafs once again failed to clear the zone.This time is was Blake Sidoni wiring a high shot past Allen.The poor start by the home side forced Leaf coach Mario DiBella to call a first-period time out to rally the troops.Nelson began pecking away at the deficit in the second when rookie Colum Mcgualey cut the lead to 2-1.Trailing by a goal in the third, David Lenzin tied the game to force overtime.Beaver Valley outshot the Leafs in the game 35-26, including a 13-4 margin in the third and a 6-2 advantage in overtime.Allen, who came to Nelson Melfort Mustangs of the Saskatchewan Junior Hockey League, registered the win in goal for the Leafs. Jason Breznik took the loss in goal for Beaver Valley.Next up for the Leafs is the Beaver Valley Nitehawks Friday in Fruitvale.Nelson returns home Saturday (October 8) to face the Castlegar Rebels while Beaver Valley hosts Spokane Braves at home Saturday.ICE CHIPS: Leafs leading scorer Sawyer Hunt was kept off the scoresheet by Beaver Valley despite having a first period breakaway and many other great scoring chances. . . . Dale Howell leads Nelson in goals with five while Hunt has the most assists — eight. . . . Beaver Valley has now lost three consecutive games — two of the losses coming against Nelson. . . . In Castlegar, six different Border Bruins scored to lift Grand Forks past Castlegar. Connor Brennan scored the winning goal in the third to snap a 3-3 tie. It’s probably not the way the Leafs coaching staff designed the game plan but the end result is all that matters some nights.Dale Howell scored in double overtime to power the Nelson Leafs to a 3-2 victory in Kootenay International Junior Hockey League action Friday night at the NDCC Arena.Nelson now remains tied for first in the Murdoch Division with the Grand Forks Border Bruins.The Bruins doubled Castlegar Rebels 6-3 in the Sunflower City.Nelson struggled to open the contest against the defending Murdoch Division champs.The Achilles heel of the Leafs this season, its defensive play, contributed to the Hawks opening the scoring.Ex-Leafs Nolan Percival found a loose puck in the offensive zone after twice Nelson players failed to get the puck past the blueline.
Gardai are investigating an incident in which a couple called to a family’s home claiming to be from Donegal County Council demanding €1,400 in rent arrears.Coupe demanded €1,400 in rent arrears from council homeowner.The incident, which happened last Friday night, in a rural part of the Letterkenny Electoral area.The couple demanded that the cash be handed over immediately but no money was handed over. The bogus callers callers then left empty-handed.Last week’s incident is the latest in a series of such bogus attempts to get cash from the public.Last month a bogus couple also called to a business premises in Lifford last month demanding rates payments.The couple had a Donegal County Council-headed letter on it but no official identification. No money was handed over on that occasion either and it is not known if the incidents are connected.A spokesman for the council said “As it turned out the person was not in rent arrears at al and no money was handed over.“We would just like to tell people that it will rarely happen that our staff will call to private homes.“If they have to then they will have official identification and will arrange to call in advance.”“We are asking all householders and business owners to be vigilant of this type of activity.” COMMUNITY ALERT: BOGUS COUPLE DEMAND €1,400 IN RENT ARREARS SCAM was last modified: December 17th, 2013 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)
Five Donegal designer-makers showcased their incredible creative talents in Philadelphia last weekend when they took part in the gala ‘Straight out of Ireland’ event organised by the Irish Immigration Centre.Jewellery makers Hannah McGuinness and Anne Vekins and knitwear specialists Bernie Murphy, Michelle McCarroll and Edel MacBride were among almost 40 Irish and American artists and makers who showcased work inspired by contemporary Ireland.Edel MacBrideBernie Murphy“As the Greater Philadelphia areas has one of the highest concentrations of Irish Americans in the country, the Irish Immigration Centre of Philadelphia looks for opportunities to bring people together to get a first had experience of Ireland’s contemporary culture,” said President of the Board of the Irish Immigration Centre of Philadelphia, Kathleen Kenneally. She added: “We feel it is important to help people look beyond Ireland as a land of shamrocks and Guinness and see it as a globally trendsetting hub for business, art, fashion and more.”Hannah McGuinnessMichelle McCarrollHead of Enterprise in Donegal, Michael Tunney, said the Local Enterprise Office in Donegal was delighted through the Creative Coast initiative to support the five local designer-makers attend the gala showcase.“Over the past number of years through the Diaspora and other projects we have been growing stronger links between Donegal and the Irish community in Philadelphia and this event provided another opportunity to build upon those links,” he said.Straight Out of Ireland aimed to bring the evolution of traditional Irish art to life by exhibiting a range of aesthetics that highlight the modern style and soul of Ireland including ceramics, drawings, glass, jewelry, lace, paintings, photography, fashion and more. Anne VekinsFunds from Straight Out of Ireland will benefit the Irish Immigration Centre of Philadelphia, enabling the organisation to continue carrying out its mission to support the Irish immigrant community in Philadelphia and strengthen the heritage on a local, national and international level.More information about the event can be found online at www.straighoutofireland.comLocal Enterprise Office Donegal is supported through co-funding from the Irish Government and the European Regional Development Fund 2014 – 2020. To contact the Local Enterprise Office in Donegal, log on to www.localenterprise.ie/donegal or phone 0749160735.Trendsetting designers showcase talents in Philadelphia was last modified: November 26th, 2019 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Anne VekinsBernie MurphyEdel MacBrideHannah McGuinnessMichelle McCarrollPhiladelphiaStraight out of Ireland
SharePrint RelatedGeocaching lists with breathtaking destinations from around the worldApril 25, 2016In “Community”New tools for your next trip into the great outdoors!January 17, 2017In “News”1 Geocaching App Trick to Rule Them AllOctober 14, 2013In “Geocaching Weekly Newsletter” Premium members can now easily edit, share, and organize lists of geocaches. We enhanced this feature to make planning your geocaching adventures easier. With My Lists, you can:– Sort geocache lists by list name, number of caches, list status, and last modified.– Toggle list notifications on and off.– Set lists as public, private, or shareable.My Lists is in beta, meaning it’s still a work-in-progress. It also means it’s a great time to get your feedback! Try it out now.Coming soon: Create new lists or add geocaches to existing lists from the map and geocache listings.Share with your Friends:More
The Spar Cave, Skye EarthcacheGC347RC Northern Scotland, UKThe caves are located inside a narrow band of limestone and marble, which runs from Smoo Cave near Durness on the north coast of Sutherland to the southeast and across Skye.The Spar Cave, Skye Earthcache GC61G8C — Azores, Portugal GC347RC — Scotland GC31TFV — Austria GC6TCTX — Crete, Greece GC336KY — South Africa GC2PJ2W — Thailand GC3E0GW — Queensland, Australia GC1HW2K — Vanuatu GC3N8NB — Niue GC5DD4A — Ontario, Canada Share with your Friends:More EC58PM OS ILHÉUS DOS MOSTEIROSGC61G8CAzores, PortugalFour enormous rocks, 30 meters (100 feet) high, stand proudly along the western end of the island of Sao Miguel, Azores, Portugal. This area is considered to be the most western point of the European continent.EC58PM OS ILHÉUS DOS MOSTEIROS Bokkeveld fossils GC336KY South AfricaThis EarthCache gives you the opportunity to scratch around Bokkeveld mudstone and shale in a quarry at the top of a mountain. You can discover traces of prehistoric life, entombed in the muddy depths of an ancient sea from 400 million years ago.Bokkeveld fossilsEmerald CaveGC2PJ2WThailandEmerald Cave is located in a large bay on the west coast of Muk Island. Full of limestone rocks and breathtaking scenery, this area is part of the Hat Chao Mai National Park.Emerald Cave Girraween GraniteGC3E0GWQueensland, AustraliaGirraween, meaning a ‘place of flowers’, is a park full of massive granite outcrops, large angular tors, and precariously balanced boulders towering above open rainforests.Girraween Granite Die Geologie des Hohen GöllsGC31TFVSalzburg, AustriaThis EarthCache takes you to the Hoher Göll, a mountain 2,500 meters (8,200 feet) above sea level. Found in the Berchtesgaden Alps, this location straddles the border between Bavaria, Germany, and Salzburg, Austria.Die Geologie des Hohen GöllsN 35°36.E 023°35Γραμβούσα~Crete with AlexandraGC6TCTXGreeceDid you know that Crete travels towards Africa with a speed of 8 cm (3 in) yearly? You’ll learn this (and more) from this EarthCache.N 35°36.E 023°35Γραμβούσα~Crete with Alexandra Vanuatu’s VolcanoGC1HW2KVanuatuMount Yasur is one of the world’s most active volcanoes. It is known as the “Lighthouse of the Pacific” because of its regular eruptions over hundreds of years. The volcano is located on Tanna Island in southern Vanuatu.Vanuatu’s Volcano <> TalavaGC3N8NBNiueNiue has formed on a volcano rising almost 4000 meters (13,000 feet) from the bed of ocean rising up to 70 meters (230 feet) above sea level at its highest point. It’s covered with 400-meter (130-foot) layer of carbonates mostly formed by corals, dating back to the Miocene and Pliocene ages. It is a great representative of karst topography.Talava BEAVER CREEK FIDDLAR RAPIDS EARTHCACHEGC5DD4AOntario, CanadaBeaver Creek Fiddlar’s Rapids is 350 meters (1100 feet) of amazing examples of the ancient processes which occurred both during the glacial period and in the thousands of years since that time.BEAVER CREEK FIDDLAR RAPIDS EARTHCACHE Are you getting ready for International EarthCache Day 2019?Log any EarthCache on Saturday, October 12 or Sunday, October 13, and earn the International EarthCache Day 2019 digital souvenir. EarthCaches bring you to unique locations and teach fascinating geological lessons about Planet Earth.Need some inspiration? Here are ten stunning EarthCaches from around the world. SharePrint RelatedDiez Earthcachés impresionantes alrededor del mundoSeptember 17, 2018In “Español”Zehn atemberaubende EarthCaches aus der ganzen WeltSeptember 17, 2018In “Deutsch”Dix fabuleuses EarthCaches du monde entierSeptember 17, 2018In “Français”
(EDS: Adds detail)New Delhi, Apr 20 (PTI) Himachal Pradesh Chief Minister Virbhadra Singh today appeared before the Enforcement Directorate (ED) here in connection with a money laundering case registered against him and others.Singh arrived at the agencys office here in his official car, with a covered beacon, at about 12:00 noon.Sporting his trademark Himachali topi, the CM did not interact with media persons on the spot and was seen raising his fist in the air and heard reciting some lines of a patriotic poem: “Sarfaroshi ki tamanna ab hamare dil mein hain, dekhna hai zor kitna baju e qaatil mein hai.”The agency has summoned Singh in order to record his statement in this case and also to confront him with some documents it has seized and recovered in this case of disproportionate assets.The CM, last week, had also sent a communication to the agency stating his reasons for not being able to appear before it all this while and had sought a new date from it, after which the new summons were issued for today.The ED had yesterday refused to give any assurance in the Delhi High Court that it will not arrest Singh when he appears before it.The submission was made before Justice R K Gauba by the ED during the hearing of Singhs plea for quashing of the money laundering proceedings against him.The ED summons have come close on the heels of filing of a charge sheet by the CBI against Singh, his wife and others for allegedly amassing assets worth around Rs 10 crore disproportionate to their known sources of income.advertisementThe agency had summoned Singh earlier also, but then he had excused himself stating he had official commitments.The ED has already questioned his wife Pratibha and son Vikramaditya in connection with the case.It had filed a case under the anti-money laundering law against the Himachal Pradesh chief minister, his family members and others after taking cognisance of a complaint filed by the CBI in this regard in September 2015.The agency is probing allegations against Singh and his family members of amassing wealth disproportionate to their known sources of income between 2009 and 2011 when he was the Union Minister of Steel. It has also attached assets worth about Rs 14 crore in the case.The CBI charge sheet alleged that Singh had amassed assets worth around Rs 10 crore which were disproportionate by 192 per cent of his total income during his tenure as a Union minister.The final report was filed against nine persons for alleged offences punishable under section 109 (abetment) and 465 (punishment for forgery) of the IPC and relevant provisions of the Prevention of Corruption Act, arrayed around 225 witnesses and 442 documents.Besides the 82-year-old Congress leader and his wife Pratibha Singh, the report also arraigned Chunni Lal Chauhan, Joginder Singh Ghalta, Prem Raj, Vakamulla Chandrasekhar, Lawan Kumar Roach and Ram Prakash Bhatia as accused.It also named as accused LIC agent Anand Chauhan, who is currently in judicial custody.Chauhan was arrested by the ED on July 9 last year in this money laundering case. PTI NES DV