Universal life policies can’t be used for unlimited deposits, appeal court rules Alexandra Posadzki Keywords LawsuitsCompanies CIBC Court approves data breach settlements with BMO, CIBC Related news Bitcoin surge doesn’t affect damages, B.C. court says Share this article and your comments with peers on social media The Supreme Court of Canada has dismissed an appeal by Toronto-based Canadian Imperial Bank of Commerce (CIBC), allowing a class-action lawsuit brought by shareholders against the bank to proceed to trial. The bank is alleged to have failed to adequately disclose its exposure to the U.S. subprime market. “The bank now has to face the music, and we can move forward with this case on the merits,” said Joel Rochon, the lawyer representing the shareholders. The case will be heard in the Ontario Superior Court of Justice in Toronto. Rochon said he expects the trial to begin some time in the next 12 to 18 months. CIBC (TSX:CM) has said it would defend itself “vigorously” against the allegations, which have not been proven in court. CIBC’s appeal had argued that the limitation period for the statutory action had expired under the terms of the Ontario Securities Act. See also: SHARE calls for clarity on class-action limitation periods “This is truly positive news for Canadian shareholders, because we now have a clear and effective remedy to pursue corporations, including banks, where there have been material misrepresentations made to the marketplace,” Rochon said. “It’s cases like these that need to be pursued, and the court has made it possible for shareholders to advance these cases, and to advance them effectively.” CIBC said it is disappointed in the ruling, but added the decision was a procedural one that would determine whether the case can proceed as a class-action. “We continue to believe that CIBC’s conduct was appropriate and that our disclosure met applicable requirements,” spokesman Kevin Dove said in an email. The case alleges that the bank had an $11.5 billion exposure to the U.S. subprime real estate market that it did not properly disclose to shareholders. The subsequent disclosure of this exposure caused massive losses to shareholders of more than $4 billion, they contend. The subprime market involved mortgage-backed securities that offered attractive rates of return due to higher interest on the mortgages, but the lower credit quality eventually produced massive defaults. Facebook LinkedIn Twitter
Opening Details Conditions of Employment Collaborate closely with all Alumni Fund staff members on theorganization and execution of programs and events for volunteers,donors, prospective donors, and studentsIn partnership with colleagues, contribute to strategy andprogramming around undergraduate engagement, student philanthropy,and young alumni philanthropy, including, but not limited to theannual Ephpreciation event, the development of volunteer tools andresources, the senior class gift efforts, and social mediapresence.Analyze results and program performance; actively participatein data-driven policy and programming discussions anddecisions.Work and learn alongside a highly dedicated and motivated team,including both staff and volunteers. Qualifications Currently a fully-remote position with some evening and weekendwork required; once permitted in keeping with public healthpractices, this position will be headquartered with offices on theWilliams College campus, and some travel will be requiredApplication review will begin on May 4, 2021 and will continueuntil the position is filled. Pay begins at $17/hour, commensuratewith experience. Job Group 19. If you have any questions, pleasefeel free to contact us via phone at (413) 597-2681 or email [email protected] Beyond meeting fully its legal obligations for non-discrimination,Williams College is committed to building a diverse and inclusivecommunity where members from all backgrounds can live, learn andthrive.Williams College is a coeducational liberal arts institutionlocated in the Berkshire Hills of western Massachusetts with easyaccess to the culturally rich cities of Albany, Boston, and NewYork City. The college is committed to building and supporting adiverse population of approximately 2000 students, and to fosteringan inclusive faculty, staff, and curriculum. Williams has built itsreputation on outstanding teaching and scholarship and on theacademic excellence of its students. Beyond meeting fully its legalobligations for non-discrimination, Williams College is committedto building a diverse and inclusive community where members fromall backgrounds can live, learn and thrive. Employment at Williams is contingent on the verification ofbackground information submitted by the applicant, including thecompletion of a criminal record check, and education whenapplicable. Equal Employment Opportunity Bachelor’s degree, current college seniors are encouraged toapplyExceptional verbal and written communication skillsExcellent organizational and computer skills, includingcompetency in ExcelTechnical skills are required to engage with the tools andresources provided for alumni online engagement including socialmedia, website maintenance, event registration forms, emailmarketing, and data analysis.Must be able to work independently, as well as within a team,and enjoy working with varied constituencies of a wide range ofages, backgrounds, and experiencesThe ability to problem-solve and meet deadlines and goals withlimited oversight, coupled with the self-awareness to know when toask clarifying questions or request assistance Responsibilities This highly varied and exciting position provides emergingprofessionals or recent graduates the opportunity to gain broadexperience in higher ed fundraising and analysis of engagement andphilanthropy. Reporting to the Director of Annual Giving, theAlumni Fund Coordinator will gain hands-on experience in a widevariety of areas related to undergraduate engagement, alumnirelations, and fundraising, with specific in-depth work related tostudents, social media, and donor stewardship and the analysis andefficacy of existing programs. This position is a way for recentalumni to learn about the college from the inside-out, whilegaining valuable professional skills in fundraising, communication,marketing, volunteer management, negotiation, data analytics, andevent-planning.We are committed to building a diverse and inclusive community andstrongly encourage candidates from underrepresented groups toapply.
Add family game nights on your calendar so the entire family can be together. Put a different family member’s name under each date, and have that person choose which game will be played that evening. One of your most important gifts as a parent is to help your child develop self-esteem. Your child needs your steady support and encouragement to discover his strengths. He needs you to believe in him as he learns to believe in himself. Loving him, spending time with him, listening to him and praising his accomplishments are all part of this process. One of the best ways to familiarize your child with good food choices is to encourage him to cook with you. Let him get involved in the entire process, from planning the menus to shopping for ingredients to the actual food preparation and its serving. It is wonderful when families eat together as much as possible. Good food, good conversations. When your child is angry, argumentative or in a bad mood, give him a hug, cuddle, pat, secret sign or other gesture of affection he favors and then talk with him about it when he’s feeling better. Owning a pet can make children, especially those with chronic illnesses and disabilities, feel better by stimulating physical activity, enhancing their overall attitude, and offering constant companionship. Make an extra effort to set a good example at home and in public. Use words like “I’m sorry,” “please,” and “thank you.” AddThis Sharing ButtonsShare to FacebookFacebookFacebookShare to TwitterTwitterTwitterShare to EmailEmailEmailShare to RedditRedditRedditShare to MoreAddThisMoreFrom the American Academy of Pediatrics comes this list of 14 ways to show your love to your children:Use plenty of positive words with your child. Try to avoid using sarcasm. Children often don’t understand it, and if they do, it creates a negative interaction. Use non-violent forms of discipline. Parents should institute both rewards and restrictions many years before adolescence to help prevent trouble during the teenage years. Allowing children of any age to constantly break important rules without being disciplined only encourages more rule violations. Make plans to spend time alone with your young child or teen doing something she enjoys. Send a note to your older child or teen. Make artwork together with your preschool or younger school age child. Your child’s health depends significantly on the care and guidance you offer during his early years. By taking your child to the doctor regularly for preventive health care visits, keeping him safe from accidents, providing a nutritious diet, and encouraging exercise throughout childhood, you help protect and strengthen his body. Respond promptly and lovingly to your child’s physical and emotional needs and banish put-downs from your parenting vocabulary. Be available to listen to your child when he/she want to talk with you even if it’s an inconvenient time. As your child grows up, she’ll spend most of her time developing and refining a variety of skills and abilities in all areas of her life. You should help her as much as possible by encouraging her and providing the equipment and instruction she needs. Start reading to your child beginning at six months. Avoid TV in the first two years, monitor and watch TV with your older children and use TV time as conversation time with your children. Limit computer and video games. Help your child foster positive relationships with friends, siblings and members of the community. Don’t forget to say, “I love you” to children of all ages!AddThis Sharing ButtonsShare to FacebookFacebookFacebookShare to TwitterTwitterTwitterShare to EmailEmailEmailShare to RedditRedditRedditShare to MoreAddThisMore
Share LinkedIn Using magnetic resonance imaging (MRI) in infants with older siblings with autism, researchers from around the country were able to correctly predict 80 percent of those infants who would later meet criteria for autism at two years of age.The study, published today in Nature, is the first to show it is possible to identify which infants – among those with older siblings with autism – will be diagnosed with autism at 24 months of age.“Our study shows that early brain development biomarkers could be very useful in identifying babies at the highest risk for autism before behavioral symptoms emerge,” said senior author Joseph Piven, MD, the Thomas E. Castelloe Distinguished Professor of Psychiatry at the University of North Carolina-Chapel Hill. “Typically, the earliest an autism diagnosis can be made is between ages two and three. But for babies with older autistic siblings, our imaging approach may help predict during the first year of life which babies are most likely to receive an autism diagnosis at 24 months.” Email Share on Facebook This research project included hundreds of children from across the country and was led by researchers at the Carolina Institute for Developmental Disabilities (CIDD) at the University of North Carolina, where Piven is director. The project’s other clinical sites included the University of Washington, Washington University in St. Louis, and The Children’s Hospital of Philadelphia. Other key collaborators are McGill University, the University of Alberta, the University of Minnesota, the College of Charleston, and New York University.“This study could not have been completed without a major commitment from these families, many of whom flew in to be part of this,” said first author Heather Hazlett, PhD, assistant professor of psychiatry at the UNC School of Medicine and a CIDD researcher. “We are still enrolling families for this study, and we hope to begin work on a similar project to replicate our findings.”People with Autism Spectrum Disorder (or ASD) have characteristic social deficits and demonstrate a range of ritualistic, repetitive and stereotyped behaviors. It is estimated that one out of 68 children develop autism in the United States. For infants with older siblings with autism, the risk may be as high as 20 out of every 100 births. There are about 3 million people with autism in the United States and tens of millions around the world.Despite much research, it has been impossible to identify those at ultra-high risk for autism prior to 24 months of age, which is the earliest time when the hallmark behavioral characteristics of ASD can be observed and a diagnosis made in most children.For this Nature study, Piven, Hazlett, and researchers from around the country conducted MRI scans of infants at six, 12, and 24 months of age. They found that the babies who developed autism experienced a hyper-expansion of brain surface area from six to 12 months, as compared to babies who had an older sibling with autism but did not themselves show evidence of the condition at 24 months of age. Increased growth rate of surface area in the first year of life was linked to increased growth rate of overall brain volume in the second year of life. Brain overgrowth was tied to the emergence of autistic social deficits in the second year.Previous behavioral studies of infants who later developed autism – who had older siblings with autism -revealed that social behaviors typical of autism emerge during the second year of life.The researchers then took these data – MRIs of brain volume, surface area, cortical thickness at 6 and 12 months of age, and sex of the infants – and used a computer program to identify a way to classify babies most likely to meet criteria for autism at 24 months of age. The computer program developed the best algorithm to accomplish this, and the researchers applied the algorithm to a separate set of study participants.The researchers found that brain differences at 6 and 12 months of age in infants with older siblings with autism correctly predicted eight out of ten infants who would later meet criteria for autism at 24 months of age in comparison to those infants with older ASD siblings who did not meet criteria for autism at 24 months.“This means we potentially can identify infants who will later develop autism, before the symptoms of autism begin to consolidate into a diagnosis,” Piven said.If parents have a child with autism and then have a second child, such a test might be clinically useful in identifying infants at highest risk for developing this condition. The idea would be to then intervene ‘pre-symptomatically’ before the emergence of the defining symptoms of autism.Research could then begin to examine the effect of interventions on children during a period before the syndrome is present and when the brain is most malleable. Such interventions may have a greater chance of improving outcomes than treatments started after diagnosis.“Putting this into the larger context of neuroscience research and treatment, there is currently a big push within the field of neurodegenerative diseases to be able to detect the biomarkers of these conditions before patients are diagnosed, at a time when preventive efforts are possible,” Piven said. “In Parkinson’s for instance, we know that once a person is diagnosed, they’ve already lost a substantial portion of the dopamine receptors in their brain, making treatment less effective.”Piven said the idea with autism is similar; once autism is diagnosed at age 2-3 years, the brain has already begun to change substantially.“We haven’t had a way to detect the biomarkers of autism before the condition sets in and symptoms develop,” he said. “Now we have very promising leads that suggest this may in fact be possible.” Pinterest Share on Twitter
EducationLocalNewsPrimarySecondary Education Trust Fund seeking public’s assistance by: – May 19, 2014 Share Share Share Sharing is caring! 98 Views no discussions Tweet Director of the Education Trust Fund, Willie Fevrier (file photo)The Education Trust Fund (EFT) is continuing efforts at raising funds for the sustenance of its various assistance programs, but with a slight twist this year. The Fund is targeting its regular donors in the private sector and others; however, it will be done via solicitation letters this year as opposed to the annual radio-thon. The Fund is a program designed to provide assistance to parents who are challenged in meeting requirements to keep their children in school. “This year we decided to do something different and so we have sent solicitation letters to several business concerns with a summary report of the expenses of the Fund,” director of the Fund Willie Fevrier announced at a press conference on Monday, May 19, 2014.Although the Dominica Government provides the Fund with an annual subvention of $50,000.00 which covers part of the cost for textbooks, transportation where buses have not been engaged, school registration and CXC examination fees among others, this is not sufficient to sustain the Fund’s programs.Mr Fevrier added that the government also provides the funds for the payment of private bus drivers to have been contracted for their services, funds for uniform allowance and the school transfer grant. He informed however, that the Fund is to assist parents who are challenged.“It is important to note that contrary to the belief of some people that the assistance provided is for everyone let it be known that the program is designed for parents who are challenged in meeting their requirements to keep their sons and daughters in school”.“It is not for all and sundry, hence there is an application process,” Mr Fevrier continued.Application forms are available at the Ministry of Education, both at Government headquarters and at the Cornwall Street office and at village councils.All applications are to be submitted to the Education Trust Fund’s office on Cornwall Street by July 31, 2014. He has warned parents that they must adhere to the July 31, 2014 deadline.Dominica Vibes News
PENSACOLA, Fla. – The West Florida women’s soccer team fell to Christian Brothers 4-2 Sunday afternoon at the UWF Soccer Complex. The Argonauts dropped their first Gulf South Conference game of the season, snapping a three-game winning streak.“We created enough chances to do well,” UWF coach Joe Bartlinski said. “We limited some of their chances, but we weren’t disciplined enough in defending or finishing our chances. We did well through the general part of the game, but when you have a young team you have to stay disciplined during the last part of the game. That comes with a mature team, and that’s what we’re going to work on.”CBU got on the board first when Emily Grammer (Panama City, Fla./Mosley HS) made a save on a shot from a free kick but the rebound was shot in in the third minute of the game.The Argos responded when Sara Helgadottir (Grindavík, Iceland/Menntaskólinn í Kópavogi) sent a free kick into the box and April Syme (Mississauga, Ontario/Tyler JC) headed it in for her team-leading fifth goal of the season in the 23rd minute.The Buccaneers took the lead before the break when another Grammer save ricocheted into the box and a CBU player shot the rebound in the net in the 39th minute. The Argos would concede two more goals in the 58th minute and the 74th minute before responding with one of their own.Helgadottir scored her fourth goal of the season on a free kick from 20 yards away.UWF will travel to Cleveland, Tenn. to play Lee at 5 p.m. ET Oct. 3.For information on all UWF athletics, visit www.GoArgos.com.#ARGOS# Soccer Game Summary (Final) 2014 West Florida Women’s Soccer Christian Brothers vs West Florida (09/28/14 at Pensacola, FL) Christian Brothers (7-1, 3-1 GSC) vs. West Florida (4-3, 2-1 GSC) Date: 09/28/14 Attendance: 125 Weather: rainy Goals by period 1 2 Tot ——————————- Christian Brothers.. 2 2 – 4 West Florida…….. 1 1 – 2 SCORING SUMMARY: 1. 3:02 CBU Ellen Garner (Camilla Rodrigues) – 10s shot saved by goalie, rebound scored by 18 2. 23:42 UWF April Syme (Sara Helgadottir) – free kick from 8, header from 22 in box 3. 39:45 CBU Mariana Tonelli (Camilla Rodrigues) – 10 shot from midfield saved, rebound scored by 9 in box 4. 58:30 CBU Alex Bickenbach (unassisted) – dribble into box on breakaway 5. 74:34 CBU Camilla Rodrigues (unassisted) – shot from 20 yards out to far corner 6. 81:58 UWF Sara Helgadottir (unassisted) – free kick to near post Shots: Christian Brothers 12, West Florida 24 Saves: Christian Brothers 8 (Robyn Wade 6; TEAM 2), West Florida 5 (Emily Grammer 5)Print Friendly Version Argos lose GSC match 4-2 Share Sara Helgadottir tallied a goal and an assist in UWF’s loss Sunday. (Emmele Photography)
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LAFOLLETTE, TN (WLAF) – Smith Hardware is hosting a sidewalk sale starting Saturday morning at 7:30 am.Sherman has closeouts on select grills and lawn furniture while the supply lasts. The 50% off paint sale continues during the sidewalk sale.A big spring item at extra savings is Thompson’s pre-mixed color waterseal. It’s marked down at 25% off.Smith Hardware opens Monday through Saturday at 7:30 am. It’s also open on Sunday afternoons. (WLAF NEWS PUBLISHED – 03/06/2020-8AM)Share this:FacebookTwitter
Follow us on Facebook.Follow us on Twitter. by Tracy McCue, Sumner Newscow — The Kansas Wheat Festival is a magnet for politicians. This one was a big one.Greg Orman, the Independent candidate for Kansas Governor, was in Wellington Thursday afternoon to campaign. He was spotted at the Beehive Quilt Shop and Bee Creative Toys in downtown Wellington.Orman, who nearly toppled Pat Roberts in the U.S. Senate race four years ago as an Independent, hopes to do create more havoc in the governor’s race.“The great thing about running as an Independent is you don’t have to answer to either party,” Orman said.There might be a more than a few politicians in tonight’s Wheat Festival parade. The parade starts at 8 p.m. The general election isn’t until November 6. The primary is August 7. But Orman doesn’t have to worry about that race since he doesn’t belong to either party. Close Forgot password? Please put in your email: Send me my password! Close message Login This blog post All blog posts Subscribe to this blog post’s comments through… RSS Feed Subscribe via email Subscribe Subscribe to this blog’s comments through… RSS Feed Subscribe via email Subscribe Follow the discussion Comments (2) Logging you in… Close Login to IntenseDebate Or create an account Username or Email: Password: Forgot login? Cancel Login Close WordPress.com Username or Email: Password: Lost your password? Cancel Login Dashboard | Edit profile | Logout Logged in as Admin Options Disable comments for this page Save Settings Sort by: Date Rating Last Activity Loading comments… You are about to flag this comment as being inappropriate. Please explain why you are flagging this comment in the text box below and submit your report. The blog admin will be notified. Thank you for your input. +1 Vote up Vote down Dave · 108 weeks ago If he doesn’t have a 50 caliber machine gun welded to his car or a 40 MM gernade launcher strapped to his body he’z got my vote. Report Reply 0 replies · active 108 weeks ago +2 Vote up Vote down Captain Obvious · 108 weeks ago While not intentional, his presence as an Independent is going to mirror H. Ross Perot’s. This time, however, it’ll be the Democratic vote that’s split and results in handing the Gubernatorial race to the winner of the Rebuplican primary. Pretty soon we’ll all have star-spangled jeeps with guns attached. Ugh. Report Reply 0 replies · active 108 weeks ago Post a new comment Enter text right here! Comment as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Submit Comment Subscribe to None Replies All new comments Comments by IntenseDebate Enter text right here! Reply as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Cancel Submit Comment Subscribe to None Replies All new comments
Ayre was speaking after the draw and said: “You would never not want Luis – Luis is a fantastic player and made a fantastic contribution to Liverpool but so did a lot of other people. Liverpool chief executive Ian Ayre claims that his side can cope without Luis Suarez, even against Real Madrid in the Champions League. 28/08/2014 “So I think we are in great shape and will keep developing and improving.” Sport EN Upd. at 22:40 “A lot of the goals that Daniel Sturridge scored were amazingly important for us last season and he will still be there banging them in and we were seeing goals from all over the park last season. Ayre pointed out that Mario Balotelli should fill the Suarez gap. CEST “Mario is settling in great. Like everyone he’s very excited about the season ahead and he’s enjoying being part of the team,” he said.