cis Low-Fat + Exercise = Weight Loss By www.articlegeek.com Published On :: Reducing your saturated fat intake is only part of the healthy body formula. You need to burn more calories than you consume in order to avoid having that excess food stored as body fat. That's where exercise comes into play. Full Article
cis Maintaining profitability important in big banks’ interest rate cut decisions By www.accc.gov.au Published On :: Mon, 27 Apr 2020 13:24:00 +1000 27 April 2020Maintaining profits was a major consideration for the big four banks as they weighed whether to reduce mortgage rates in line with Reserve Bank of Australia cash rate cuts during 2019, the ACCC has found. The ACCC’s Home Loan Price Inquiry interim report, released today, shows that the big four banks considered various factors as they decided whether to pass on the RBA’s June, July and October 2019 rate cuts. But recovering profits was central to their decisions to not always fully pass through the lower rates to mortgage customers. “The banks were attempting to shore up their profitability during a period of low interest rates,” ACCC Chair Rod Sims said. “It was their strong preference, after the RBA’s cuts, not to further reduce the rates customers were earning on some deposit products as they approached zero per cent.” “The banks’ reluctance to cut these deposit rates led them to anticipate lower profits, which they aimed to recover by not always fully passing through cash rate cuts to their mortgage customers,” Mr Sims said. The ACCC’s analysis also found that the big four banks benefitted from a sustained decrease in their funding costs during much of 2019. While headline rates for owner-occupier home loans with principal and interest repayments fell overall during 2018 and 2019, the banks’ funding costs fell even more over the same period. “We recognise that much has changed in the economic and funding environment since last year. The COVID-19 pandemic has shifted priorities and the banks are playing an important role in supporting the economy,” Mr Sims said. “However, the inquiry findings shed an important light on bank decision making and raise questions about whether the banks could, at the time, have passed on a higher proportion of those RBA cash rate cuts to their mortgage customers.” The ACCC’s Home Loan Price Inquiry interim report also shows that although average interest rates charged by the big four banks on home loans fell during 2019, a lack of price transparency and higher interest rates for existing loans continued to cost customers. The interim report examines home loan prices charged by the big four banks between 1 January 2019 and 31 October 2019. It found that home loan pricing practices continue to make it difficult for consumers to compare different mortgage products. Headline rates did not accurately reflect the price most big four bank customers actually paid for their home loans, because the overwhelming majority of customers received discounts, including opaque discretionary discounts. “Given the economic disruption, uncertainty and job losses stemming from the COVID-19 pandemic, many consumers may not be inclined to shop around and ask for discounts from their banks right now,” Mr Sims said. “However, our analysis shows how that even a small further reduction in interest rates could potentially save thousands of dollars over the life of a mortgage. Consumers should consider this carefully when it is time to re-engage with their lender.” For example, a customer with an average-sized new, owner-occupier, principal and interest mortgage of $386,000 could save about $5000 on interest payments in the first year if they went from having no discount to receiving the big four banks’ average discount of 128 basis points. At the end of September, customers with new owner-occupier loans with principal and interest repayments were paying, on average, 26 basis points less than customers with existing loans. The difference was usually even more significant for customers with older loans. The ACCC’s final report, scheduled for release later this year, will consider barriers to consumers switching to alternative home loan suppliers. Further information at Home loan price inquiry Background On 14 October 2019, the Treasurer, the Hon. Josh Frydenberg MP, issued a direction to the ACCC to conduct an inquiry into the market for the supply of home loans. The specific matters the ACCC was directed to take into account included: prices charged for home loans since 1 January 2019, including: the difference between advertised interest rates and interest rates paid by customers the difference between interest rates paid by new and existing customers home loan suppliers’ pricing decisions following changes in the RBA’s target for the cash rate, including the extent to which changes were due to suppliers’ cost of funds and the timing of the suppliers’ announcements impediments to consumers refinancing to alternative home loan suppliers. The interim report focuses on the first issue regarding the prices charged for home loans between 1 January 2019 and 31 October 2019 by the big four banks, which account for close to 80 per cent (by value) of home loans held by authorised deposit-taking institutions in Australia. The final report will consider the second issue, impediments to consumer switching. The big four banks are Australia and New Zealand Banking Group, Commonwealth Bank of Australia, National Australia Bank, and Westpac Banking Corporation. In preparing the interim report, the ACCC used its compulsory information gathering powers to obtain information and documents from the big four banks, and supplemented its analysis with data supplied by the RBA and the Australian Prudential Regulation Authority. The findings in the report reinforce and build on those in the ACCC’s earlier Residential Mortgage Price Inquiry. Release number: 84/20ACCC Infocentre: Use this form to make a general enquiry. Media enquiries: Media team - 1300 138 917 Audience Consumers Topics Banking & finance Full Article
cis 10 Tools for Dealing with Criticism and Rejection By www.articlegeek.com Published On :: Whether it's feedback we've asked for, an unsolicited remark called out from the audience or a simple "no" result of an audition or submission process, criticism and rejection are a huge part of our lives as creative artists. Full Article
cis Experiential Exercises Teach You How To Love Intimately By www.articlegeek.com Published On :: Few people realize the power of experiential exercises. Fewer still know how to make full use of them. But those who do are able to unlock the reservoirs of positive energy present in their body. Full Article
cis Exercises for Self Growth By www.articlegeek.com Published On :: Exercises and tips for self growth by a Psychic/Medium. The white cup exercise and the bumper car effect. Full Article
cis A Concise Guide to MICR and Associated Technologies By www.articlegeek.com Published On :: Magnetic Ink Character Recognition (MICR) was developed to utilize the benefits of computer technology in the banking industry. Prior to the use of a MICR line, check sorting by account number was a manual process. Two systems were previously used to handle the large numbers of checks processed in the banking industry: Sort-A-Matic and Top Tab Key Sort. Full Article
cis Benefits of Dog Training, Socialization and Exercise By www.articlegeek.com Published On :: I would like to share my professional opinion on the benefits of dog training. Through training you will build a strong lifelong bond between you and your dog. Full Article
cis What to Photograph in San Francisco By www.articlegeek.com Published On :: Looking for subjects to photograph in the city of San Francisco is not at all hard given all these well-known attractions but to help you guide, here's a list of what's worth capturing. Full Article
cis What Are The 3 Critical Exercise Routine Success Factors? By www.articlegeek.com Published On :: The 'Rule Of 3' Meets Pareto's '80/20'--And You Get Fit Faster As A Result! Full Article
cis Exercise & Motivation, Part 3: Keeping it Going By www.articlegeek.com Published On :: Motivating ourselves to exercise can be difficult, and different techniques will work better for different people. This article is the third in a series on exercise and motivation, and explores the best way to motivate yourself if regular activity is already a part of your life Full Article
cis Is Exercise Safe for Asthmatics? By www.articlegeek.com Published On :: Learn the relation between exercise and asthmatics. Full Article
cis Dolan Law Firm, PC, Ranked as One of the Best Law Firms in San Francisco by U.S. News & Report and Best Lawyers in 2020 By www.24-7pressrelease.com Published On :: Tue, 12 Nov 2019 07:00:00 GMT Dolan Law Firm, PC, recognized as one of the best law firms in San Francisco. Full Article
cis Damian Sanders, Pioneer of Professional Snowboarding, Set to Release the XBAR, a Revolutionary New Exercise Device By www.24-7pressrelease.com Published On :: Wed, 29 Jan 2014 07:00:00 GMT Damian Sanders, one of the true pioneers of professional snowboarding, will soon release his revolutionary fitness product on Kickstarter, the XBAR. Full Article
cis Francis Falck, MD, PhD, MS has been Inducted into the Prestigious Marquis Who's Who Biographical Registry By www.24-7pressrelease.com Published On :: Fri, 28 Feb 2020 07:00:00 GMT Dr. Falck has thrived as the director of Falck Eye Centers LLC Full Article
cis Jim Allchin's Decisions Named One of the Top Twenty Blues Rock Albums for 2017 by the venerable Roots Music Report By www.24-7pressrelease.com Published On :: Wed, 03 Jan 2018 07:00:00 GMT Third solo LP also has two songs named to 2017's Top 200 Blues Songs Full Article
cis New "Killing Cats Leads to Rats" Book by Richard Franzi Looks at Unintended Consequences of Business Decisions By www.24-7pressrelease.com Published On :: Tue, 27 Mar 2018 07:00:00 GMT Examples Include Pepsi, Wells Fargo, Target, Starbucks, Samsung, Volkswagen and more. Foreword by Best-selling Author Marshall Goldsmith Full Article
cis Francis S. "Bo" Godbold Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who By www.24-7pressrelease.com Published On :: Tue, 14 Apr 2020 07:00:00 GMT Mr. Godbold has been endorsed by Marquis Who's Who as a leader in the finance industry Full Article
cis Field Service Engineer Represented by Nichols Kaster Challenges Nova Measuring Instruments' Decision to Deny Overtime Pay By www.24-7pressrelease.com Published On :: Wed, 22 Feb 2017 07:00:00 GMT Nova pays its field service engineers by salary only with no overtime compensation for the many overtime hours they regularly work Full Article
cis Precision Lead Screws By www.24-7pressrelease.com Published On :: Wed, 27 Feb 2019 07:00:00 GMT Anaheim Automation expands its line of linear components Full Article
cis Francisco G. La Rosa, M.D. Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who By www.24-7pressrelease.com Published On :: Mon, 24 Feb 2020 07:00:00 GMT Dr. La Rosa has been endorsed by Marquis Who's Who as a leader in the healthcare industry Full Article
cis Corporate Whistleblower Center Now Urges a Pharmacist with Proof a National Pharmacy Is Overcharging Medicare On Prescription Drugs to Call Them for Information About Federal Reward Programs By www.24-7pressrelease.com Published On :: Wed, 17 Apr 2019 07:00:00 GMT The Corporate Whistleblower Center says, "We are urging an honest pharmacist to call us anytime if they have proof a pharmacy chain is gouging Medicare, Medicaid or TRICARE in anyway. Sometimes these types of people can make millions." Full Article
cis Rx-Precision, Inc. Gets Listed on THE OCMX™ By www.24-7pressrelease.com Published On :: Tue, 03 Sep 2019 07:00:00 GMT The OCMX™ is pleased to announce the listing of Rx-Precision, Inc. to its online portal which offers Investors and Advisors the ability to participate in this opportunity. Full Article
cis Corporate Whistleblower Center Now Urges a Pharmacist At A Regional or National Drug Store Chain To Call About Possible Rewards if Their Employer Is Overcharging Medicare On Drugs-Prescriptions By www.24-7pressrelease.com Published On :: Wed, 30 Oct 2019 07:00:00 GMT The Corporate Whistleblower Center says, "We are appealing to a pharmacist or pharmacy manager to call us anytime at 800-714-0303 if their employer is overcharging Medicare and Medicaid. The rewards for this type of information can be substantial." Full Article
cis Precise Software Solutions, Inc. Named U.S. Senate Small Business of the Week By www.24-7pressrelease.com Published On :: Wed, 22 May 2019 07:00:00 GMT Maryland Senator Ben Cardin Congratulates Precise CEO for Senate Small Business of the Week Award Full Article
cis Precise Software Solutions, Inc. Ranked #24 in Washington Business Journal's Fast 75 Fastest Growing Companies in Greater Washington By www.24-7pressrelease.com Published On :: Sat, 09 Nov 2019 07:00:00 GMT A top government contractor in the information technology space, Precise Software Solutions, Inc. continues to grow at a fast pace. Full Article
cis Liteye Systems Provides Mobile, Networked, Electronic Capabilities to Counter Unmanned Aircraft Systems and Ground Threats During U.S. Army's Maneuver and Fires Integration Exercise (MFIX 18) By www.24-7pressrelease.com Published On :: Tue, 27 Nov 2018 07:00:00 GMT Liteye demonstrates new capabilities added to its successfully deployed CUAS systems. Full Article
cis Liteye and Northrop Grumman Demonstrate Mobile, Networked, Electronic and Kinetic Capabilities to Counter Unmanned Threat Systems During Army's Maneuver and Fires Integration Exercise (MFIX 18) By www.24-7pressrelease.com Published On :: Thu, 29 Nov 2018 07:00:00 GMT Liteye Systems and Northrop Grumman demonstrates new added capabilities to the successfully deployed Counter Unmanned Systems called AUDS and M-AUDS. Full Article
cis The WRPSA and Wacky Nation are Proud to Announce the European Rock Paper Scissors Championship By www.24-7pressrelease.com Published On :: Wed, 21 Feb 2018 07:00:00 GMT The World Rock Paper Scissors Association has teamed up with Wacky Nation and are looking for neighborhood, office or household champions that want to prove that they are the very best Rock Paper Scissors player in Europe! Full Article
cis Ukrainian Startup Pavilion Invites Friends to TechCrunch Disrupt San Francisco 2017 By www.24-7pressrelease.com Published On :: Mon, 18 Sep 2017 07:00:00 GMT Angel investors Zhenya Rozinskiy and Nick Bilogorskiy will introduce 15 Ukrainian startups during the most exciting tech conference in SF. Full Article
cis Franciscan Sisters Offer 2020 Discernment Retreats for Young Catholic Professional Women By www.24-7pressrelease.com Published On :: Wed, 04 Mar 2020 07:00:00 GMT A special series of Retreats and Vocation Events designed for single Catholic professional women, 20-32 throughout 2020. Full Article
cis Francisca Mandeya launches her new book, "Mother Behold Thy Son: One Woman's Journey to Dismantle Patriarchy and Live a Life of Equality Love and Freedom" By www.24-7pressrelease.com Published On :: Thu, 30 Jan 2020 07:00:00 GMT Book Becomes International Best Seller Full Article
cis Florida Immigration Camps And Family Separations Decisions Should Be Tempered By Christian Wisdom Says Donna Louis, Award Winning Florida Author Of 'Book Of Proverbs - Wisdom Vs Wilderness' By www.24-7pressrelease.com Published On :: Thu, 29 Aug 2019 07:00:00 GMT Louis is the multi-award-winning author of 'Miracles of Direction' and 'Book of Proverbs: Wisdom Vs Wilderness' Full Article
cis Fiori is a New Social Networking App For Trans People and Their Cisgender Allies By www.24-7pressrelease.com Published On :: Wed, 12 Feb 2020 07:00:00 GMT App developers have always struggled to create a safe networking space that suits transgender and non-binary people. Fiori has finally made this possible. Full Article
cis Amadeo I.D. Francis Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who By www.24-7pressrelease.com Published On :: Fri, 15 Nov 2019 07:00:00 GMT Mr. Francis has been endorsed by Marquis Who's Who as a leader in the fields of politics and government Full Article
cis Precise Software Solutions, Inc. Helping to Respond to the COVID-19 Crisis By www.24-7pressrelease.com Published On :: Wed, 01 Apr 2020 07:00:00 GMT Precise Donates $15K and Offers a Donation Match Challenge in Support of Manna Food Center Full Article
cis Unique Portable Watering Caddy/Stand Conveniently Solves Problem of Underwatered Garden Areas. With the H2OWISER® Water Flow Can be Precisely Directly to the Affected Dry Area By www.24-7pressrelease.com Published On :: Sat, 16 Mar 2019 07:00:00 GMT Save Water: Our solution provides for a portable caddy/stand, adjustable for precise watering with a stand base designed with stabilizers to accommodate flat surfaces or to grip on hillsides. Full Article
cis Precise Hires Vice President of Business Development to Help Build on the Company's Growth By www.24-7pressrelease.com Published On :: Tue, 12 Feb 2019 07:00:00 GMT Full Article
cis Walking in St. Francis' Shoes By www.24-7pressrelease.com Published On :: Fri, 20 Dec 2019 07:00:00 GMT NY Times best-selling author and famed "Peace Troubadour" James Twyman will travel the U.S. penniless performing his new musical based on the life of St. Francis of Assisi. The tour culminates in an off-Broadway finale serving the homeless. Full Article
cis Veracity Networks, Telarus Announce Partnership to Deliver Cisco Webex Suite By www.24-7pressrelease.com Published On :: Wed, 15 Apr 2020 07:00:00 GMT This partnership with Veracity Networks and Telarus marks the first time Cisco's Webex suite of products can be sold through the agent channel providing a complete solution to customers. Full Article
cis Alsco San Francisco Earns TRSA Hygienically Clean Healthcare Certification By www.24-7pressrelease.com Published On :: Mon, 28 Oct 2019 07:00:00 GMT Certification ensures laundering processes effectively remove pathogens from health care textiles Full Article
cis Three Tips to Help CISOs Close the IT-OT Security Gap, Part 2 By feedproxy.google.com Published On :: Thu, 07 May 2020 18:38:42 +0000 Thinking of Your OT Network as an Extension of Your IT Network Will Give You a Consolidated Picture of Your Technology Infrastructure read more Full Article INDUSTRY INSIGHTS SCADA / ICS
cis Cisco Patches High Severity Vulnerabilities in Security Products By feedproxy.google.com Published On :: Thu, 07 May 2020 18:56:42 +0000 Cisco Patches High Severity Vulnerabilities in Adaptive Security Appliance (ASA) and Firepower Threat Defense (FTD) Cisco this week released security updates to address more than 30 vulnerabilities in various products, including 12 high severity flaws impacting Adaptive Security Appliance (ASA) and Firepower Threat Defense (FTD). read more Full Article Network Security NEWS & INDUSTRY Vulnerabilities
cis A Concise Course in Statistical Inference: The Free eBook By feedproxy.google.com Published On :: Mon, 27 Apr 2020 14:00:23 +0000 Check out this freely available book, All of Statistics: A Concise Course in Statistical Inference, and learn the probability and statistics needed for success in data science. Full Article 2020 Apr Tutorials Overviews Book Free ebook Mathematics Statistics
cis A Better Approach to Making Decisions By hbr.org Published On :: Wed, 05 Jul 2006 20:12:00 -0500 David Garvin, Harvard Business School professor. Also: Judith Ross on retaining your top performers during times of change. Full Article
cis Why Smart People Make Bad Decisions By hbr.org Published On :: Thu, 12 Feb 2009 17:11:00 -0500 Sydney Finkelstein, Tuck School of Business professor and author of "Why Smart Executives Fail: And What You Can Learn from Their Mistakes." Full Article
cis Better Decisions Through Analytics By hbr.org Published On :: Thu, 28 Jan 2010 20:47:39 -0500 Tom Davenport, Babson College professor and coauthor of "Analytics at Work: Smarter Decisions, Better Results." Full Article
cis Defeat Criticism Before It Goes Viral By hbr.org Published On :: Thu, 28 Oct 2010 17:39:40 -0500 Leslie Gaines-Ross, chief reputation strategist at Weber Shandwick and author of the HBR article "Reputation Warfare." Full Article
cis Francis Ford Coppola on Family, Fulfillment, and Breaking the Rules By hbr.org Published On :: Thu, 29 Sep 2011 18:40:09 -0500 Francis Ford Coppola, acclaimed film director. Full Article
cis Making Decisions in Groups By hbr.org Published On :: Thu, 22 Mar 2012 17:43:16 -0500 Tom Davenport, Babson College professor and coauthor of "Judgment Calls: Twelve Stories of Big Decisions and the Teams That Got Them Right." Full Article
cis What the Best Decision Makers Do By hbr.org Published On :: Thu, 24 Oct 2013 18:29:45 -0500 Ram Charan, coauthor of "Boards that Lead," talks about what he's learned in three decades of helping executives make tough decisions. Full Article
