Springboks end All Black home winning streak in Dunedin

first_imgSaturday Jul 12, 2008 Springboks end All Black home winning streak in Dunedin South Africa ended a 10-year wait for a win in New Zealand with a 30-28 victory over the All Blacks in their Tri-nations test on Saturday. Scrumhalf Enrico Januarie scored the winning try with four minutes remaining after the Springboks had been reduced to 14 men by captain Victor Matfield’s yellow card.Matfield had been sent off three minutes earlier for a high tackle and New Zealand flyhalf Dan Carter kicked his sixth penalty to give the All Blacks a 28-23 lead.However, the world champions showed tremendous willpower to fight their way back and register their first win in Dunedin at their eighth attempt and their first in New Zealand since a 13-3 triumph in Wellington in 1998.In a fiercely contested match the Springboks snatched a 17-15 halftime lead with a 32nd-minute try by wing JP Pietersen.The All Blacks regained the lead in the 56th minute as replacement flank Sione Lauaki stepped inside to score.In the end, a moment of individual brilliance by Januarie settled the outcome. The gutsy scrumhalf broke from a ruck on the New Zealand 10-metre line and chipped the ball over replacement fullback Leon Macdonald, before winning the race to the ball and scoring.Peter De Villiers, South Africa’s first black coach, had been under pressure both in New Zealand and back at home after the world champions lost 19-8 in Wellington last week.“I always believed in the players and tonight they put it together because they believed in themselves. The players worked really hard in the week before the game and, because they are the world champions, they knew they had to uplift their game.”All Blacks coach Graham Henry said the test had demonstrated the high calibre of rugby played in the Tri-nations tournament, which also features Australia.“There are three very even sides in this competition and you couldn’t get a bigger test than this one. It was a superb game, a really enjoyable spectacle and a great showcase for the game.South Africa now travel to Australia to play the Wallabies in Perth next Saturday. PLEASE NOTE: This video has been removed by Mediazone, who own the rights to the footage and no longer allow us to use it. Apologies from our side. Time: 10:01 Source: ReutersADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Related Articles 81 WEEKS AGO scottish prop saves fire victim 84 WEEKS AGO New Rugby X tournament insane 112 WEEKS AGO Vunipola stands by his comments supporting… From the WebThis Video Will Soon Be Banned. 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Watch: Reforging the Steelers | Episode 2 | RugbyPass Original Documentary In Episode 2 of Reforging the Steelers, we follow the team through rounds two to four as they try to get their season on track after an opening loss to competition powerhouses Tasman. ‘I’d pent-up frustration, a lot I probably didn’t realise’: Marcus Watson’s emotional Wasps return Set to turn 30 later this month, Marcus Watson had an early birthday present last weekend when he finally made it back into the Wasps XV. Gavin Coombes grabs four tries as Munster easy to victory over Zebre Gavin Coombes scored four tries at Zebre as Munster secured second place in the northern section of the Guinness PRO14 Rainbow Cup. Leinster finish with Rainbow flourish as fans attend RDS for first time in 16 months Retiring duo Scott Fardy and Michael Bent bowed out on a winning note as Leinster finished the Rainbow Cup with a victory over Dragons. Final round of the Gallagher Premiership hit by a second match cancellation The final round of the Premiership lost the Worcester-Gloucester match on Tuesday and now Bristol versus London Irish is off. Springboks end All Black home winning streak in Dunedin | RugbyDump – Rugby News & Videos RugbyDump Home RugbyDump Academy Store About Contact Legal Privacy Policy Cookie Policy Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features RugbyDump Home RugbyDump Academy Store About Contact Sitemap Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features Legal Privacy Policy Cookie Policy Sign In Username or Email Password Stay logged in Forgot password Thank you for registering Click here to login Register Register now for RugbyDump commenting & enewsletter. * Required fields. 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Rule change to let donors grant intermediaries authority to Gift Aid all donations in a year

first_imgRule change to let donors grant intermediaries authority to Gift Aid all donations in a year  224 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis14 As of 6th April, intermediaries that collect donations for charities will be able to ask donors for the authority to create Gift Aid declarations on their donations for the rest of the tax year.Intermediaries will be allowed to ask donors for this authority at any time during the tax year, and authorisation will then last for the remainder of the tax year, or until the donor cancels it.Donors however must be able to cancel their authorisation at any time by contacting the intermediary, and to set a date for the cancellation. If no date is set, their authorisation ceases immediately. Donors will also have to pay the difference if they pay less Income Tax and Capital Gains Tax than the amount of Gift Aid on their donations in a year.As well as explaining these points to donors, intermediaries must also provide them with an annual statement between the 5 April and 31 May for the previous tax year that explains, amongst other things, the total amount of the donations that were Gift Aided, and the maximum amount of Gift Aid that can be claimed on their Gift Aided donations. In addition, intermediaries are required to keep donor records for six years.The full guidance is available online,Commenting on the changes, Lee Clark, founder and CEO of GivePenny said:“Authorising an intermediary to create and then manage a donor’s Gift Aid declarations for a whole year could no doubt lead to more Gift Aid being claimed by charities overall. This could be a great thing for good causes all over the UK, large and small.“However, combined with the changes that make it clear the donor will be responsible for making up the difference if they pay less Income Tax and Capital Gains Tax than the amount of Gift Aid claimed on their donations in each year I see potential for some donors to hesitate in making such a commitment. Close and effective engagement with supporters will be crucial in ensuring the third sector can maximise this opportunity.”  223 total views,  1 views today Advertisement AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis14 About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. Melanie May | 1 February 2017 | News Tagged with: Finance Gift Aidlast_img read more

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Long Island Ranked Nation’s Hottest Market, Florida Metros Struggle

first_img Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Long Island Ranked Nation’s Hottest Market, Florida Metros Struggle Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Foreclosure Home Sales Housing Supply Pro Teck 2014-02-05 Colin Robins Servicers Navigate the Post-Pandemic World 2 days ago Pro Teck Valuation Services released on Tuesday January’s Home Value Forecast (HVF), a measure of single family residential markets. Long Island was ranked the strongest market in the nation.”Long Island leads Home Value Forecast’s ranking as the hottest real estate market in the nation in our January Home Value Forecast,” said Tom O’Grady, CEO of Pro Teck Valuation Services.”Many factors account for Long Island’s strong market, including foreclosures making up an inconsequential 2.18 percent of sales and available housing inventory at only 3.63 months,” said O’Grady.Pro Teck’s HVF uses leading real estate market indicators to determine its rankings, such as sales/listing activity, prices, months of remaining inventory (MRI), days on market (DOM), sold-to-list price ratio, foreclosure, and REO activity.California ranked particularly well last month, with 6 of the 10 best markets residing in the Golden State.”In our January HVF top ten, California is again well represented … In particular, the Los Angeles market has seen a major shift, with sales prices up over 24 percent from the last rolling quarter,” O’Grady added.Snaring the perhaps dubious honor of worst market in the nation was Jacksonville, Florida, a region overwhelmingly rife with foreclosures. Compared with Long Island’s 3 percent of sales as foreclosures, Jacksonville currently has 81.15 percent of its sales as foreclosures.”Looking at the five year forecast, Jacksonville’s prices are not expected to get anywhere near its 2007 peak. Foreclosures will continue to hamper the market from returning to true market fundamentals for the foreseeable future,” O’Grady said. Previous: Morgan Stanley Announces $1.25B Settlement with FHFA Next: The Fate of Fannie and Freddie and the Importance of GSE Reform Colin Robins is the online editor for DSNews.com. He holds a Bachelor of Arts from Texas A&M University and a Master of Arts from the University of Texas, Dallas. Additionally, he contributes to the MReport, DS News’ sister site. Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Long Island Ranked Nation’s Hottest Market, Florida Metros Strugglecenter_img The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Colin Robins in Daily Dose, Featured, Magazine, Market Studies, News, REO, State February 5, 2014 778 Views Share Save Demand Propels Home Prices Upward 2 days ago Subscribe Tagged with: Foreclosure Home Sales Housing Supply Pro Teck Related Articles  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

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‘Have Allowed NEET-JEE; Can’t Stop Exams In One State’ : SC Dismisses Plea To Postpone Maharashtra Common Entrance Test (MHT-CET)

first_imgTop Stories’Have Allowed NEET-JEE; Can’t Stop Exams In One State’ : SC Dismisses Plea To Postpone Maharashtra Common Entrance Test (MHT-CET) LIVELAW NEWS NETWORK24 Aug 2020 2:16 AMShare This – xThe Supreme Court on Monday dismissed a petition seeking the postponement of the Commone Entrance Test in Maharahstra (MH-CET) amid COVID-19 pandemic.”We have allowed conducting of NEET & JEE, how can we now stop exams in one state?”, said a bench comprising Justices Ashok Bhushan and R Subash Reddy.On August 22, Supreme Court had dismissed a plea seeking the postponement of the…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Supreme Court on Monday dismissed a petition seeking the postponement of the Commone Entrance Test in Maharahstra (MH-CET) amid COVID-19 pandemic.”We have allowed conducting of NEET & JEE, how can we now stop exams in one state?”, said a bench comprising Justices Ashok Bhushan and R Subash Reddy.On August 22, Supreme Court had dismissed a plea seeking the postponement of the National Eligibility cum Entrance Test, NEET and Joint Entrance Examination JEE Main, scheduled to be held in the month of September 2020.MHT CET exam is conducted every year for admission to various undergraduate and postgraduate professional courses.Last month, the Karnataka HC had dismissed a plea to postpone Karnataka Common Entrance Test in the state, following which it was held on July 30, T31 and AugustNext Storylast_img read more

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Charlton Tribunal hears of death threats against Garda Keith Harrison

first_imgHomepage BannerNews Google+ RELATED ARTICLESMORE FROM AUTHOR Facebook Google+ DL Debate – 24/05/21 By News Highland – October 23, 2017 Pinterest Twitter News, Sport and Obituaries on Monday May 24th WhatsApp WhatsAppcenter_img Twitter The Charleton tribunal has heard details of threats made against the life of whistleblower Garda Keith Harrison in October 2013.In a statement to the tribunal, Donegal division Chief Supt McGinn outlined how information about threats made against Garda Harrison had been received from two anonymous 999 calls on 4 October and 5 October 2013.The first call gave details of an overheard conversation involving four men in a bar in Strabane, Co Tyrone. The following day, the same male caller gave further information, saying that the threat came from a relation of Martin McDermott, who was serving a prison sentence in Portlaoise following a manslaughter conviction for the death of Garda Gary McLoughlin.Mr McDermott was the brother of Garda Harrison’s partner, Marisa Simms.The number used to make the anonymous calls could not be identified by gardai because the calls were made from a phone which had no SIM in it, the tribunal heard.As a result of the calls, the threat was rated as “substantial”, Garda Harrison’s home security was assessed, and he was advised to exercise caution in his movements.Garda Harrison informed prison authorities that he believed Mr McDermott had access to a mobile phone. A search by prison authorities located a mobile phone, as a result of which McDermott’s release date was put back. When Garda Harrison returned to duty on 13 October, he was put on indoor duties.The threats and subsequent investigations were part of a briefing which Chief Supt McGinn gave at a regional management meeting of senior gardai held in Dundalk on 5 November 2013. Supt McGinn’s briefing also included allegations of alleged verbal abuse, harassment and threats made by Garda Harrison against Ms Simms during their relationship.Retired Chief Supt James Sheridan told the tribunal that he had no memory of the briefing on Garda Harrison at the meeting, attended by senior officers from the Northern Region headed by assistant commissioner Kieran Kenny.Minutes of the meeting, which run to six pages, included a single line that “Chief Supt McGinn gave an overview in relation to the Garda Keith Harrison investigation”.Mr Sheridan said that as the chief superintendent in charge of the Cavan/Monaghan division at the time, he had no management role in Donegal, and he had no recollection of the briefing.Tribunal barrister Pat Marrinan SC said the tribunal had also received a statement from Edward McGooey, a civilian crime analyst who was also at the meeting, who said he had no recollection of Garda Harrison being mentioned at the meeting and had not recorded anything about him in his notes.In the current module, the tribunal is looking at contacts between gardaí and the HSE/Tusla relating to Garda Harrison.Supt Eugene McGovern told the tribunal he attended a Divisional management meeting in Letterkenny on 29 November 2013 at which Tusla (then HSE) manager Gerry Hone was present.”No individual case was discussed, and it wouldn’t be at this type of meeting, it wouldn’t have been prudent at this kind of meeting,” Supt McGovern said.Minutes from subsequent district management meetings in Buncrana, where Supt McGovern was stationed at the time, referred to the need to provide full information to the HSE/Tusla when referring child welfare cases to the agency.Supt McGovern said that a referral made following a garda statement from Garda Harrison’s partner Marisa Simms and her children was not identified at these meetings as a case where there had been insufficient information provided to the HSE.In a letter to gardaí on 24 October 2013, Mr Hone wrote that no further action would be taken on the Simms referral “as there is no evidence of abuse detailed no further action will be taken from this service until we receive more information”. Pinterest Harps come back to win in Waterford Journey home will be easier – Paul Hegarty Facebook Charlton Tribunal hears of death threats against Garda Keith Harrison Previous articleCouncil must re-examine LIS application selection process – Mc DaidNext articleKieran Hughes a doubt for Scotstown Kilcar clash News Highland Important message for people attending LUH’s INR clinic Arranmore progress and potential flagged as population growslast_img read more

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Pathologist’s report leads to no charges filed in the death of 5th grader Raniya Wright

first_imgGofundme(WALTERBORO, S.C.) — A pathologist’s review of fifth grader Raniya Wright’s death revealed that she had a rare birth defect that caused her death, rather than the fight that she was involved in minutes before she became unresponsive, officials announced on Friday. Her mother and attorney still question the role of teachers and the girl involved in the fight.South Carolina solicitor Duffy Stone said that charges will not be filed because a forensic pathologist has determined that Wright had arteriovenous malformation (AVM), where arteries and veins are intertwined rather than separated and occasionally rupture. Raniya had this condition since birth, the report showed.Stone said that AVM sometimes results in pressure, “the manifestation of these being headaches was something that was in Raniya Wright’s history…Thirteen days prior to this event, she was taken to the doctor … complaining of headaches.” Stone noted that Raniya had a history of going to the doctor complaining of headaches seven times in the past two years.He stressed that the pathologist’s report showed that even though Raniya had a fight in school minutes before she became unresponsive, there was “no evidence of trauma either inside the body or outside the body … to indicate a fight of any magnitude contributed to this.” Stone said that is why he won’t file charges. “According to the pathologist, these hemorrhages can take place at just about any time. …[The fight] did not have anything to do with the rupture,” Stone said. “It was a matter of time, unfortunately, that this would rupture,” Stone added that this condition can be in any part of a diagnosed person’s body, but “in this case it was in her brain.”Sheriff Andy Strickland said that all of the students in the class were interviewed, including Raniya, who spoke to officials before complaining about a headache and then being transported to the nurse’s office, where she later became unresponsive. “Neither student [involved in the fight] showed any physical signs of injury” and after the fight, it was “approximately 10 minutes later that Raniya advised … that she had a headache,” Strickland said, noting that she was then moved to the nurse’s station.Another official said that when she was taken to the nurse’s office, Raniya vomited, the nurse took her vitals, she vomited again and “that’s when she became unresponsive.”Raniya died on March 27.That official said that the investigation suggests that “bullying did not play a part in that incident,” but Raniya’s mother, Ashley Wright, said at a news conference on Friday that her daughter had a history of the other girl teasing and verbally attacking her for years.“It was the same girl,” Ashley Wright said. The mom said she had spoken to school officials multiple times since her daughter was in third grade about the ongoing issues with the other student.“My child was never [in] trouble. My child wouldn’t lift a finger to no one,” she said.“What’s going to be done about it? Whose child is going to be next with this same girl?” Ashley Wright said, adding that “something has to be done” about the alleged bully and “she has to get help.”Margie Pizarro, the attorney representing Ashley Wright, said that these are just “initial” findings and argued that Raniya and the other girl (who she referred to as “Student 2”) had an escalating conflict over the course of that fateful day. Pizarro charged that teachers didn’t intervene, instead, leaving Raniya’s concerned friend to take steps to protect her.“This is not right. Students should not be left to defending other students. Where is the accountability for Colleton County?” Pizarro said, citing their own investigation.“Student 2” reportedly confronted Raniya on the playground on the morning of March 25, and later in the day in the cafeteria line before getting into, what Pizarro described as, a brawl in the classroom, where the substitute teacher did not intervene until it was well underway. Pizarro said that “Student 2” put Raniya “in a headlock, used her free hand to punch Raniya over and over.”The Wright’s lawyer said that while they are accepting the pathologist’s report at face value for now, they will be looking to see if there is science that suggests that such a physical altercation could trigger a reaction in someone with her medical condition, which Pizarro said Ashley Wright did not know about until after her daughter’s death.Pizarro warned that “Student 2” allegedly has a violent history and was boasting about her fighting abilities even in the wake of Raniya’s funeral on April 3.“It is our hope that something is done before the next student dies,” Pizarro said.Copyright © 2019, ABC Radio. All rights reserved.last_img read more

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Heart rate and ventilation in Antarctic fishes are largely determined by ecotype

first_imgExtrinsic neural and humoral influences on heart rate (fH) and ventilation frequency (fV) were examined following varying periods of post-surgical recovery in eight related Antarctic fish species inhabiting an array of inshore niches. Resting fH after recovery from handling was lower than previous reports, and the novel measurement of routine fH in free-swimming Dissostichus mawsoni (6.14 beats min(-1), bpm) is the lowest recorded for any fish. The extent of cardio-depressive cholinergic (vagal) tonus explained the large range of fH among species and varied with behavioural repertoire, being lower in the more active species, apart from Notothenia coriiceps. Adrenergic tonus was low compared with cholinergic tonus, with the exception of Trematomus newnesi. Hence, high cardiac cholinergic tonus may be a genotypic trait of the notothenioids that diverged with ecotype. Power spectral analysis showed that the vagal influence produced comparable spectra among species of similar morphology and ecotype. Removal of autonomic tonus resulted in a remarkably similar intrinsic fH between species. Simultaneous measurements of cardio-respiratory variables and oxygen consumption ((M) over dot O-2) were made in the benthic Trematomus bernacchii and cryopelagic Pagothenia borchgrevinki. The slopes of the relationship between fH and (M) over dot O-2 were similar. Trematomus bernacchii, however, had a higher (M) over dot O-2 for a given fH than P. borchgrevinki, and P. borchgrevinki required a two-fold larger range in fH to reach a similar maximum (M) over dot O-2, suggesting that there is a difference in cardiovascular fitness between the two species. Overall, the data suggest that cardio-respiratory control in Antarctic nototheniids is largely determined by activity levels associated with a given ecotype. (C) 2009 The Authorslast_img read more

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Landmarks group concerned about St. Peters demolition plans

first_imgDear Editor:The Jersey City Landmarks Conservancy is registering our concern about St. Peter’s Preparatory School’s decision to demolish two historic buildings downtown: St. Peter’s Original Parish School, 155 York St., and St. Peter’s Hall and Parochial School, 145-151 York St.These buildings are of significance for several reasons. One, the school has served, and continues to serve, generations of young people from the city and surrounding areas. Two, these buildings connect us to a Jesuit heritage of Jersey City and its inhabitants. Three, the buildings represent a style of architecture, Romanesque Revival, that is no longer produced and is therefore a direct, vestigial, link to our city’s past.Moreover, the surviving Romanesque Revival buildings exemplify a notable period in American architectural history and therefore serve as irreplaceable resources in our ever-changing urban fabric. These increasingly rare Civil War-era edifices are some of the very few remaining in Jersey City and the nation. They are indicative of the vanishing antebellum style and thus, we consider them essential to the history and people of Jersey City, as well as to the United States.Saving these buildings is essential not only because it is the right thing to do for historic preservation but it is the right thing to do from a Jesuit point of view, as stated by the Order itself: their mission is the “promotion of justice.” It is justice that a piece of our history remains and belongs to the people and community.The Order also states that they seek “environmental justice,” and we fail to see how destroying two beautiful, representative historic buildings promotes environmental or social responsibility; the cost of demolishing and removing and discarding wreckage would add to massive environmental waste that the earth can ill afford. Moreover, because the Order claims it works in service to its community, we urge the school to remember that the community desires the buildings remain as a link to our past and the people who made us great.We are confident that the school can find a way to use the buildings in an ethical and environmentally-conscious manner. We are, however, unaware as to the exact agenda and intentions of the school and we wish to make it clear that financial gain does not necessarily preclude working with the community toward preserving our values. Finding a way to retain the building also helps to retain the integrity of the institutions and respects the people who live there. It is possible to save the building’s essential and historic integrity with the preservation of the external shell and façade while still using the site for development internally.Therefore, we request an independent review and evaluation of the structural integrity of the building and a consideration of how the façade and structure can be maintained in accordance with the style and existing structures in Jersey City. Respectfully,Sanjay Chauhan, PresidentJersey City Landmarks Conservancylast_img read more

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Yorkshire bakery raises £12k via crowdfunding

first_imgMalton-based Zuzu’s Bakery is set to expand its operations after raising more than £12,000 via a crowdfunding campaign.The micro-bakery secured funding of £12,333 through platform IndieGogo. However, this was less than half of the £25,000 that founder Tim Smith was aiming for.Despite the shortfall, Smith told British Baker the money would enable him to increase capacity with the purchase of an additional oven allowing him to fulfil more wholesale orders.“We need to get clients who aren’t footfall clients. It’s lovely having a little bakery and a shopfront but, to be honest, footfall from retail is just not going to keep you going,” he said. “The wholesale business is absolutely integral. There’s no way we could survive without it.”An oven with a 70-loaf capacity, according to Zuzu’s crowdfunding page, will cost in the region of £4,000. Part of the money will also be used to cover the next quarter’s rent, which is £1,000 a month, as well as scoping out a new floor for the bakery following a recent collapse. Smith also hopes to expand his team in the future as it’s just him and one volunteer.“The money will be spent on things like going out to see clients, to sell the bread and then having an oven to support that.”At present, Zuzu’s Bakery supplies local cafés, restaurants and hotels with bread, which helps support his unique ‘good bread for all budgets’ business model. As part of this, visitors to Zuzu’s Bakery can buy ‘wonky bread’ for an amount they can afford.“When we can’t sell all the bread on a day, rather than throwing it away, what we do is put it on sale the next day and the day after as ‘wonky bread’. We clearly signpost this,” he explained, noting the loaves are made without sugar, or using treacle and other sweeteners, helping to preserve them.These loaves are sold at a discounted price at least once a week, but Smith hopes to make this a daily activity. The scheme means shoppers who can afford to pay the going rate do so, subsidising those who can’t. For example, if a sourdough loaf cost £3 fresh, Zuzu’s might charge £1.75 for it the next day.“If someone comes in and they’re on a zero hours’ contract or they’re waiting for universal benefits to come in and they don’t have money, then they pay what they can afford to pay. If that’s 20p, 50p, or £1.20, I’m not going to quibble.”The bakery has also teamed up with a local food bank, which allows those using the service to get coupons for free bread as well.Supporters of the campaign were offered rewards in advance for donations such as mugs, t-shirts, branded aprons, as well as a starter dough and instructions on how to keep it.Smith said crowdfunding was a great way to get the community involved.“I see crowdfunding as a way of promoting really good business ideas and really good products without the burden of having to worry about repaying lenders,” he said. “I also wanted to get people involved in the project and one way to do this is if they donate a fiver or a tenner. Some people have given a lot more and we had a couple of donations of £1,000 and £1,500. That’s just awe-inspiring and wonderful.”To find out more about the benefits of crowdfunding, and other finance options, British Baker subscribers should check out this feature.last_img read more

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State offers vendor portal as electronic payment incentive, could save $400,000

first_imgThe check is in the mail. State officials hope to see that statement quickly become a quaint reference to a by-gone era as vendors receiving payment from the State of Vermont switch to electronic payment. The state anticipates that it could save taxpayers upwards of $600,000 a year. At the same time, vendors would get paid more quickly. In 2009, the state issued 194,926 checks. The Department of Finance and Management “conservatively” estimates that the state will save $400,000 a year, which assumes a savings of $2 per check. As of now, about 15 percent of vendors use the electronic service.The Department of Finance and Management reports that last year Vermont State government issued 200,000 paper checks to VISION vendors compared to just 33,000 electronic payments. It’s estimated that the State incurs a savings of $1 to $3 for every check converted to electronic payment. If vendors made the switch to electronic payment, it would result in a significant savings for the State and added security and convenience for vendors. Recently, the department and the State Treasurer’s Office teamed up to urge vendors to sign up for electronic payments via the Automated Clearing House or ACH.‘ACH is a secure network used to connect banks to each other,’ said Department of Finance and Management Commissioner Jim Reardon. ‘It is through this network that direct deposits, electronic payments, certain transfers, and debit-card payments are processed. ACH provides vendors with immediate availability of funds and reduces the risk of lost or stolen payments.’Once vendors are signed up for ACH they may then use a secure online system called Vendor Portal that was developed by the Treasurer’s Office. Officials hope vendors will be motivated to switch to ACH in order to take advantage of key services the portal offers, which includes direct 24-hour access to payment information.‘Vendors may view their payment advice on the same day the money is deposited instead of waiting days to receive their remittance advice in the mail,’ said State Treasurer Jeb Spaulding. ‘We hope the added convenience of direct access to payment information will enable vendors to complete their internal accounting practices more quickly and securely.’The system provides vendors with a summary page showing each payment and amount by date. By clicking on any payment number, the vendor may view payment details that include the department the payment is from, invoice number and date, voucher identification number, amount paid and the type of payment. An estimated 500 vendors currently are registered for the Vendor Portal.The City of Burlington and the University of Vermont are two vendors who have used the portal since it was first made available early last year. Cynthia Parker of UVM’s Office of Treasury Management says the portal is a big time-saver, with internal payment confirmation work that used to take minutes per remittance now taking just seconds. Laurel Moffatt in Burlington’s Treasurer’s Office is impressed by the speed of payment notification.‘Sometimes the payment notice is on the Vendor Portal before it even hits the bank. I no longer have to wait for the remittance to arrive in the mail to post payments to our general ledger. The information in Vendor Portal has become my back-up,’ explained Moffatt.The bottom-line for the State in encouraging the switch to electronic payments is increased efficiency and savings. The actual savings is incurred through lower costs for mailing, paper products, and personnel time to process a payment. Nationwide, businesses find it is less expensive to process an ACH transaction than issue a check. The State Treasurer’s Office reports that ACH related bank charges are just five cents per transaction. In fiscal year 2009, 5,000 vendors received 11 or more paper checks from the State. Converting just these transactions from paper check to ACH represents a savings to the State of several hundred thousand dollars.A mailing to vendors in May and June by the Department of Finance and Management and Treasurer’s Office has resulted in a steady sign-up for ACH. To switch to an electronic payment, a vendor only needs to fill out a one-page ‘Vendor ACH Authorization Form’ that is processed within two to three business days. The form is available for printing from the finance department’s web site or may be obtained by calling either the department or Treasurer’s Office. Once signed up for ACH, vendors may go online to the Treasurer’s Office web site and register for the portal.Vendors wanting more information on ACH or Vendor Portal may go to the Department of Finance and Management’s web site at www.Finance.Vermont.gov(link is external) or call (802) 828-0676; or may contact the Treasurer’s Office through a toll-free-in-Vermont number at (800) 642-3191 or via the web at www.Vermont.Treasurer.gov(link is external) and selecting Vendor Portal on the right side of the page.-end-last_img read more

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