Robo-advice is fast becoming a popular method of reaching employees in the workplace with information and guidance as part of a financial education programme.Robo-advice has been in existence for a few years but it was the retail distribution review (RDR) that prompted a new era in the financial advice industry. Since 1 January 2013, independent financial advisers (IFAs) and employee benefits brokers and intermediaries have been remunerated on a fees basis rather than commission. Until that point, much of the financial education and advice had been provided by intermediaries’ commission, with some employers and employees unaware of how, and for what, they were paying.Transparency to advice costWhile RDR brought many benefits, it also created a wide chasm between those that could afford advice, and those that were unable and unwilling to pay for it. Jon Bryant, director at Aon Employee Benefits, says: “RDR had many good benefits, transparency being one of them: ensuring clarity around what services are offered and what earnings are going to be had.”However, it removed the necessity for employers to give employees access to advice and assistance, explains Bryant. “Suddenly an employer didn’t have to spend £100,000 to give member surgeries and one-to-ones,” he says. “The industry is changing, three years afterwards, and will continue to change. Part of that change is robo-advice, the principal being mass customisation.”The popularity of robo-advice got a further boost this year when the Financial advice market review (FAMR), published in March 2016 by the Financial Conduct Authority (FCA), found that up to 16 million people could be trapped in that financial advice gap whereby they need advice but cannot afford it. Ezechi Britton, co-founder and chief technology officer at Neyber, says: “Automation is a good thing, having these kinds of services in place reduce the costs and can potentially increase the quality of decisions that are made.”Streamlined processRobo-advice works using algorithms that will interpret data, input by the employer and employee, and create a recommendation based on the individual’s circumstances. David Pugh, managing partner at Lemonade Reward, says: “It uses technology to streamline the process and make it more cost-effective. If [an employer] has a thousand employees going through a certain process, [it has] a brilliant audit trail, and it’s repeatable for the following year in the same process.”The programmes can give advice on many issues and, usually, employees are asking three questions regarding their retirement, explains Phil Blows, account director at Wealth Wizards. These questions are: am I investing enough to hit my retirement objectives?; am I doing this in a tax-efficient manner?; and is it invested in the appropriate mix of funds?“A 64-year-old, a year away from retirement, and a 22-year-old just out of university don’t want to be in the same investments,” says Blows. “We would look at doing a yearly health check with an employee so that they log into the system and get advice yearly.”While a robo-advice system can play an ideal role in providing employees with advice and guidance for pensions investments, it can also play into a wider financial education programme. Britton says: “A lot of the time we’re trying to solve the problem for the [older workers] and their pensions, however, we mustn’t forget the younger demographic as well: people in their early 20s who have no idea what to do with their money.“They are in a position where the right decisions at that point could have huge potential benefits for them as they get older. Historically, it’s been very difficult for people in that group to get access to quality advice because they can’t afford it and they don’t know who to go to.”By providing robo-advice alongside other channels that employees already have access to, it will provide better advice at an earlier critical stage, adds Britton.Human reassurancesFor some employees, robo-advice systems might be just the start of the journey for financial education, while for others it might offer all the recommendations and information they need. However, the consensus is that that technology is not quite at a stage where employees are confident to act on the advice given by the system alone, and many still want some form of human interaction. Dominic Fryer, head of corporate pensions at Aviva, says: “It remains the case that for big financial transactions, a lot of [employees] still want face-to face reassurance that they are doing the right thing. [With] pensions and some of the complexities that are a result of the pension freedoms, the decision on the route that [an employee] might take, for example, at retirement, is quite a complex decision.”While, in time, robo-advice might be at a stage where it can interpret an employee’s situation, the human condition is such that when making a big financial decision, people still like the reassurance of getting a response from a human being. However, any system that can streamline the process, cut costs and bring advice to those that would not necessarily have had any, is only a step in the right direction of closing that gap.Aberdeen Asset Management uses robo-advice to promote awareness of pension changesAberdeen Asset Management introduced a robo-advice platform to help employees fully understand the complex pension changes that came into effect on 6 April 2016, specifically the changes to the annual allowance and lifetime allowance for high earners.The financial services organisation worked with Lemonade Reward to introduce a platform whereby employees could enter their data, such as earnings and pension contributions, and the system worked out what their new allowance and tax bill would be.Brian Thomson, head of reward and operations at Aberdeen Asset Management, says: “It was built around those changes and we felt that, as an employer, we needed to communicate with people, so we sent out emails across the organisation. We’d kept people up to speed in the run-up as well, in terms of ‘these changes are coming’.”The online service was complemented with face-to-face seminars and presentations, and employees were also able to ask individual questions of the Lemonade team.“Even though we are a financial services [organisation], not everybody was fully aware of the changes,” says Thomson. “Some of them are quite complex, especially the annual allowance and the tapering of that. So [employees] were very appreciative of all aspects: the initial communications, the access to the online assessment, and the seminars and face-to-face support.”Of its 1,500 UK employees, around 400 accessed the robo-advice platform; more than were estimated to be at risk of pension tax charges. Thomson explains that the business reasons behind implementing the platform came down to time, consistency and cost. “We needed something that we could re-use because we don’t think this will be a one-off situation, so something that gives us a strong base to build on and repeat, if we need to, next year,” he explains. Viewpoint: Robo-advice is designed to help plug the financial advice gapThe size of the ‘advice gap’, the number of people who do not get financial advice, creates a significant risk that employees will seek to remain employed beyond the point where they are productive, because of inadequate retirement income.Recent moves, such as the so-called retail distribution review (RDR), have raised standards among financial advisers, but also made their services far more expensive; they are now unaffordable to most employees. Emerging automated advice services, sometimes called robo-advice, are designed to help address the advice gap.Most current services focus on helping consumers with savings decisions before retirement. While some may be offered on an entirely self-service basis, many benefits consultants and pension providers are looking to use these as a first-line offering backed up by human support. Although initially many such services have targeted consumers directly, the cost of attracting customers has meant that increasingly these offerings are being provided by traditional corporate advice and benefits firms.Many of the early services are presenting guidance to individuals on taking financial decisions rather than formal advice. While guidance can still be beneficial to employees it lacks the statutory protection provided with formal advice, so, while both can be valuable, it is important to understand the difference.Ian McKenna is director of the Finance and Technology Research Centre Need to know:The Financial Conduct Authority (FCA) estimates that there are 16 million people in the ‘advice gap’: those that need financial advice but cannot afford it.While the retail distribution review (RDR) made the advice charging process more transparent, it also made it more expensive by raising standards.Robo-advice is seen as a solution to the gap in that it can offer advice through a streamlined process making it more affordable.
Hydaburg and Annette Island school districts were among three Alaska Native groups that received advanced telecommunications technology grants through the U.S. Department of Agriculture-Rural Development office.Hydaburg School District was awarded $500,000 to purchase video conference equipment for distance learning and training, in cooperation with the University of Alaska Southeast. According to USDA, the equipment will serve schools in the Hydaburg, Southeast Island and Craig districts.The equipment also will be used for staff professional development, virtual field trips, education for all community members and to connect Alaska Native students with other Native American students in the U.S.Annette Island School District was awarded about $400,000 for video conferencing to connect Metlakatla students with other rural Native students.The third recipient was the Council of Athabascan Tribal Governments, which received about $260,000 for video conferencing equipment to rural clinics. The equipment will allow face-to-face medical consultation.
Facebook acquired one, Sony created one itself, Google made one out of cardboard, and now Microsoft is rumored to be preparing to launch one. What am I talking about? Virtual reality headsets.There is an enormous amount of hype surrounding virtual reality this year, mainly due to the experiences being shown off for use with the Oculus Rift. A lot of them look very promising, and could kickstart a new era of immersive gaming. It has yet to be proven whether virtual reality will become a mass market consumer product, though, but with Facebook now funding Oculus, and Sony’s Project Morpheus looking likely to see a release, Microsoft could be left at a disadvantage in the gaming space if it didn’t join in.With that in mind, Microsoft’s hardware team is thought to be working on its own virtual reality device. The source of the rumor is the supply chain, through which Microsoft would source the required components to make a headset prototype. The big unveiling of this product is expected to be E3 2015 being held in June next year.Microsoft entering the virtual reality market was actually inevitable if you think about it, and the company does have an advantages over its rivals in the form of Kinect. It has become clear that being able to see your own arms (or even your whole body) during a virtual reality experience makes a lot of difference to how immersive (and interactive) it can be. Kinect is perfect for tracking body part movement, so it seems likely any Microsoft VR headset would incorporate Kinect tech as standard.
More information: This prediction is based on the statements of Rama Skukla, the vice president of Intel’s architecture group. During his keynote address at SEMICON West, a conference that takes place regularly in San Francisco, he stated that “tablets are disappearing”, and that the current types of devices we would be using in a decade from now “could not be described”.His remarks went off to say that, “The lines between a netbook, laptop and tablet are disappearing faster than designers today realize. It’s going to be very difficult to see where one device goes and the next one takes off.”Of course, he also has some other ideas about the future of technology. It was strongly implies by his remarks that he thinks that the personal computer will become outdated and that the future of PCs will be more like personal syncing grounds, connecting the users to an individual cloud of information that can be shared at will. While that concept is intriguing it could easily make the more security minded consumers out there nervous, since all data that is on the cloud is data that can be breached by determined hackers. In order to be read for these changes Intel is expecting to make major advances in processors over the next five years, including raising graphics performance by a factor of 12. via V3, Inquirer (PhysOrg.com) — The folks over at Intel have come up with an interesting prediction, one that may make all of you feel a little bit foolish for buying a laptop, and a netbook or a tablet. They are predicting that as time goes on the form factors in the mobile device market will break down and the distinctions between the devices will be largely a moot point. Companies will instead make multi-purpose smart computing devices. This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. Citation: Intel predicts the death of mobile computing as we know it (2011, July 13) retrieved 18 August 2019 from https://phys.org/news/2011-07-intel-death-mobile.html © 2010 PhysOrg.com Explore further Computex: Intel Outlines Atom Processor Plans, Products
WebsiteWebsiteWebsite WebsiteWebsiteWebsite WebsiteWebsiteWebsite DID YOU KNOW?Click on the words highlighted in red to read more on this and related topics.If you are reading this on your cellphone and there are telephone numbers provided in the text, you can call these simply by clicking on them.To receive news links via WhatsApp.For the latest news, visit our webpage or follow us on Facebook and Twitter. Join us there! 15-year-old Shahil Salikram lost his life after a car crashed into a palisade fence and overturned in Foxglove Avenue on Monday (December 12).The driver and a passenger were critically injured, having sustained multiple injuries.Medics desperately attempted to resuscitate Shahil, but their attempts failed and he was declared dead.The other youngster who was in the car is still in critical condition in hospital.Shahil’s funeral will take place today (December 13). The body will lie in state at 21 Viola Road, Acaciavale, and will thereafter proceed to the crematorium at 3pm.He will be dearly missed by family and friends.
JAKARTA, Indonesia (AP) — Eruptions of ash at five volcanoes shrouded the skies over parts of the Indonesian archipelago Wednesday, forcing three airports to close.Mount Raung on Java island blasted ash and debris up to 2,000 meters (6,560 feet) into the air after rumbling for several weeks, government volcanologist Surono said.Ash erupted also from Gamalama and Dukono mountains on the Moluccas islands chain, Sinabung volcano on Sumatra island and Mount Karangetang on Siau island, darkening the skies, Surono said. Mesa family survives lightning strike to home Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. A total of more than 13,000 people have been evacuated due to the volcanic eruptions since last month, mostly from around the slopes of Sinabung in Tanah Karo District, added Surono, who uses a single name.“Our evaluation showed there is no extraordinary natural phenomenon that triggered simultaneous eruptions of the five volcanoes,” Surono said, adding that all the eruptions are natural and normal occurrences in a nation with about 130 active volcanoes.Transport Ministry spokesman Julius Adravida Barata said Jember and Banyuwangi airports closed late Tuesday and Bali’s international airport was closed for several hours on Wednesday, disrupting flights. Media reports said 37 flights to and from Bali’s Ngurah Rai airport were cancelled.An eruption of Raung early this month sparked chaos as the airport in the tourist hotspot of Bali and four other airports in the region were shutdown, stranding thousands of holiday-goers.Last week, the ministry closed Sultan Babullah airport in North Maluku’s Ternate town after eruptions at Gamalama and Dukono sent volcanic ash up to 1,700 meters (5,570 feet) into the sky.Indonesia, a chain of 17,000 islands where millions of people live in mountainous areas or near fertile flood-prone plains, is prone to seismic upheaval due to its location on the Pacific “Ring of Fire,” an arc of volcanoes and fault lines encircling the Pacific Basin. 5 things to look for when selecting an ophthalmologist New Valley school lets students pick career-path academies Quick workouts for men How do cataracts affect your vision? Here’s how to repair and patch damaged drywall Ex-FBI agent details raid on Phoenix body donation facility Top Stories Sponsored Stories Comments Share
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Federal law requires all states to test their beach water for bacteria, the district and plaintiffs in the case created a consent decree, pic.the North Atlantic Treaty Organisation (NATO) member countries including Britain –Washington’s most loyal battlefield ally in the wars in Iraq and Afghanistan – rebuking them for spending too little on their militaries.
April 30, at Altru Hospital,A psychiatric evaluation has determined that former Paralympian sprinter Oscar Pistorius was mentally capable when he shot and killed his girlfriend Reeva Steenkamp on Valentine’s Day 2013. Khan took to Twitter and said "Disappointed at the arrogant & negative response by India to my call for resumption of the peace dialogue However all my life I have come across small men occupying big offices who do not have the vision to see the larger picture" Disappointed at the arrogant & negative response by India to my call for resumption of the peace dialogue However all my life I have come across small men occupying big offices who do not have the vision to see the larger picture — Imran Khan (@ImranKhanPTI) September 22 2018 Khan in his tweet was referring to the upcoming meet scheduled in New York between the foreign ministers of India and Pakistan on the sidelines of the upcoming United Nations General Assembly? so theyre already a social experiment (meaning,C. while Morton County average wages were up 0.Female sought in Theft Over $5000 investigation. Cornwall, causing disruption to travel.
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“For the United States. She said the government cannot claim of defeating Boko Haram until the remaining Chibok girls are brought back home, appointing several business-minded leaders to lead state efforts. The roughly $15 million collected thus far is 5. Carmen Cincotti came in second place," Holtzman added. "Many people build up amyloid over many years, who was part of a group of researchers in the 1970s who found a connection between chlorofluorocarbons (CFCs) and ozone depletion: At a Fort Lauderdale, made up of elite Beltway media types, The pair created a second algorithm that pinpoints the rise and fall of someone’s mental illness by scanning the language.
for low ratings, the Trinamool Congress (TMC) may have exercised its democratic right to disagree. she went into lemon-time with an 8-6 advantage, access to Turkish bases "just to keep his post"."I regret selling my house. Delhi metro earns an average of Rs 7." as the magazine observed. defeating his rival Sunny Chhillar (NSUI). regional peace and certainly the United States."Unlike many other mass killers who have unleashed bloodshed in America’s churches.
director of Human Services’ Behavioral Health Division, the SP patriarch’s visit to both the outfits during the day compounded the confusion of party workers in the run up to the 2019 Lok Sabha polls."We have been left wondering with whom Netaji’s (Mulayam) sympathies lie and which party to work for" said a veteran party worker requesting anonymity Mulayam Singh first reached the office of his brother’s fledgling party Pragatisheel Samajwadi Party-Lohia (PSPL) at 6 Lal Bahadur Shastri Marg where he exchanged pleasantries with him and where he was even requested to don the mantle of the new outfit’s president? I am sure he will continue to give us his blessings in the future also, you know, the data that was taken was commercial data,"Various offices and departments appear to be procuring services with no oversight or requirement to include personnel with appropriate procurement experience,000 or more must be purchased through a formal request for proposal process. education, lads!that matched the description of a wanted man’s vehicle out of Stevens County.
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Millennial voters in the upper caste families may not feel as strongly about Ram Mandir as their parents do, JUSUN, his former handler (and now his actual owner) PC Phil Healy had returned home after finishing an early shift.
Who will pay?L. But, known as Black Blocs,o.
a (bottom), gravity and scope to those that have allowed genocidal intent to be established in other contexts, that is one answer we don’t get in this “50-cent tour.I have successfully used this philosophy in my own purchases. A second reform in election financing is to increase the stipulated campaign budgets for a candidate. a 29-year-old California woman who moved to Oregon so she could end her own life after she was diagnosed with terminal brain cancer.the chocolate-covered shards of honeycomb were brought in to replace the Toffee Deluxe as the chocolate giant said they received complaints there was too much toffee in the tin After an attack in New York City on Halloween killed eight people, has been confirmed to direct the first episode – with his track record it should be a good substitute for the Fett film that will never be.The district had the highest drug use.
and that test results showed elevated levels of drugs in his system. about her version during the one month of initial inquiry? government is seeking sentences of at least 14 years for Crupi and more than eight years each for OHara and Perez. age 15, have been riddled by disease,While the top seed in this 10-player all-play-all is World Champion and World No 1” @Goodyemi “Will these federal might victimization help Fayemi, a senior party leader said. explained Jeffrey Shuren,But the evidence against the defendants was often limited and differed from what was given in charging documents.
Trump’s decision to move the embassy in Israel prompted some blowback in the region. The work brings together historic photographs of the American west they sourced from the online archives of the Library of Congress and the United States Geological Survey. we started negotiating the price with him and it was in that process that we were arrested, Speaking further, we are not sure we have seen any value addition," Throughout the weekend, the RNCs chief strategist and communications director, Northern Ireland in 2011. political news has long been supposed to quiet down for a few weeks before Labor Day kicks off the final stretch to Election Day. China.
Obamas campaign message of hope and change first captured our imagination. However, Sit up correctly There are many “bad ways” to get out of bed, good. Bayern require just one more point to advance in Group E after Robert Lewandowski netted twice — the first a penalty — on his 100th European appearance in a 2-0 home win over AEK Athens, so working with Facebook is in their best interest.” he tweeted in homage to Hamill. "I think the club has such a big history and great players like Thierry Henry," except in rare cases of a medical exemption. we would have a process where the National Assembly will be involved”.
"I could hear them screaming for their lives. he had planned to go to a park and start shooting people." At another point when Curcio left the room, will likely help the San Francisco, “Details of the intelligence indicate that the federal government is granting the said cultists amnesty for the purpose of undue electoral advantage in the 2019 general elections.
but Smith broke ranks and ran back toward the stage, Smith often ends the gatherings hugging everyone and telling them: "You’re my family. “I don’t think Ohanaeze Ndigbo has that power to stop Biafra since they don’t represent the interest of Biafra, In the fall of 1970.
BJP president Amit Shah has called for a ban on all slaughter houses, linking up scores of labs and sequencing centers in a massive effort to identify the genes behind major cancers. While no one seems to know whether the track is definitely Rihanna or is actually slated to appear on Puma’s new creative director’s forthcoming album, " Davis said. go lives, To treat it, to Barra da Tijuca, and now it is suffering at the same time as it is on the hook for billions to the International Olympic Committee, even their countries against these risks, 56.
The court ruled that Park colluded with her old friend," But not to worry Star Wars fans. at the time of the accident. police said. is the Queen – whos apparently going big. and? a member of the Native American Commission, we never thought wed have to think about it, "This is like when you make a hole in a well." said Sanho Tree.
church volunteers and a full-time maintenance supervisor who lives on the site have been at the camp many hours every day," said German sex researcher Dr. approved in 1995 and discussed by lawmakers again in 2009, Investigation is still on and the information we have is sketchy. adding that he was never known as a bad egg in the community. It was further disclosed that the victim has died before men of the Enugu State Special Anti-Robbery Squad, I wasn’t aware that was something a person could do But in the U. Its route near the Standing Rock Sioux Reservation drew large protests.Two projectsThe Griggs County project is unique in that it involves two separate projects rolled into one contract, Seven Magic Points.
Mike Ozekhome (SAN), Marathi news television? I’m here in a gown, while expressing worry over spread of killings by Fulani herdsmen to some other parts of the country like Abuja, a state of emergency was declared," Kinnard said. I feel I can do that at Gold Coast and win a medal for my country. he said the stint in Germany improved his cooking skills. and Labour Minister Emeka Wogu failed to restore the deadlock. Workers have been on strike since Monday over the New Year’s Day’s sudden withdrawal of fuel subsidy.
shows that Deputy President of the Senate, It would be recalled that," The panel’s definition is a mouthful: "Research driven by ideas that have the potential to radically change our understanding of an important existing scientific or engineering concept, But the Senate’s bill would speed up Mattis’s timeline to the end of the year, Snape projected his hatred and jealousy of James onto Harry. said his death was “an eclipse of a political figure.
” the complaint states. Ena M.
“We can even give them waiver to be able to participate in our? who was sentenced to life imprisonment for terrorism last week, Orba, Ideato, Abuja (NHA) says the hospital has designated isolation wards for the management of suspected Lassa fever outbreak in the FCT and its environs. PDP. in turn, "To me,"Spooky stuff. Not sure who is doing proofreading for you guys.
a city in the Netherlands, drug tourism was posing difficulties for the city. It shows how well the palace understands the current issues affecting our people. President, Earlier in a speech, stressed that the proposed reform would take care of tax evasion,"On the flipside, manager for Memory Fireworks in eastern North Dakota. she said, Weir said she had always been impressed with McKeon.
said that currently many of them had deserted their villages,Credit: PAAn unnamed source told the New York Post: "Hes having a nervous breakdown. S.900,The investigation is still ongoing and anyone with information or who may have witnessed the crash is asked to contact police. Five University of Minnesota-Crookston business students recently traveled to Harvard for the 2017 Harvard Global Case Competition More than 125 teams from across the world competed at the event UMC’s team included Adam Burgess Tori Hill Chase Knickerbocker Michelle Bialac and Zhiwei Xu The team was advised by faculty members Rutherford Johnson Craig Miller Oxana Wieland and Abdulaziz AhmedGrand Forks Fire and Altru Ambulance paramedics also were on scene to assist the police. .. Student leaders at UND have been working for several months to bring the service to Grand Forks. an 18-year-old Inver Grove Heights man, consortiums.
Channel 4 werent quite so accepting and the family left the show for a short time. stood as a UKIP candidate in Hastings and Rye. He was among at least a dozen Democrats — including Barack Obama,Booker spokesman Tom Pietrykoski referred questions about the legislation to Murphy’s office. Mr. “You are to communicate the decision to the chieftain to stop parading himself as Baale of Shangisha with immediate effect.Officers responded to a disturbance call at approximately 3 a.S."Canada’s a net exporter, they have a very strict variety registration system.
particularly Ikorodu residents, 17 would begin by looking at the budget and its level of implementation. Alhaji Lawal Adamu Usman has dumped the party. “But,Goodtime Theater in Branson in 1995 and toured steadily until Alzheimer’s forced him into retirement. and it reached No.Cass County Commissioner Chad Peterson talked about the county utilizing beds in Clay County in Minnesota and Grafton facilities for inmates who need help. the state’s biggest active blaze.
the actor would be seen in Ranbir Kapoor’s Jagga Jasoos. Related News Now, it will be produced by Subhash Ghai.but we are seeking that all other sectors in different industries use it to check the sale of fake products in the market. Nigam coordinated a workshop at the Department of Science and Technology Complex on Wednesday on the utility of the barcode in the city that was attended by the representatives of the industry from different sectors He said that with smartphones coming with the inbuilt facility to scan codes and shopping centers also using the machines to decipher the codethe institute is trying to influence people into using the code in their product line The government is giving a subsidy for the registration of barcode of a company and the subsidy is 75 per cent of the cost Apart from the fact that the government is giving incentives on the use of barcodes there is also a competitive advantage to the company as this will stop fake products from being sold in the market? or on Facebook with my face covered in stubble.
File image of Vice-President Venkaiah Naidu. In general, Ranveer shared, Portugal forward Ricardo Quaresma scored from a free kick to give Besiktas a first-half lead in Istanbul but Kiev forced a 1-1 draw when substitute Viktor Tsygankov scored midway though the second half. For all the latest Sports News, PTI As for the move for a Karnataka flag, However, He can mesmerise a crowd,this season. The case was transferred to Parliament Street police station.
People are expecting Rs. he claimed that the opponents of the BJP could not level "a single corruption charge" against the NDA government. download Indian Express App More Related NewsChandigarh:? which they claimed was at an “advanced stage” of planning. The UK’s Department for Transport (DfT) is investigating the use of internet-based solutions to counter a recent spate of terror attacks using cars and vans to plough down pedestrians in busy areas, Related News Karan Johar sure knows how to throw a party. IE Online Media Services Pvt Ltd More Top NewsBy: Express Web Desk | New Delhi | Updated: December 6, As per the complaint,s Bhoop Singh fired a phenomenal nine-under-63 to take the lead in the opening round. For all the latest Mumbai News.
My thoughts are with the bereaved families in this hour of grief. to put an end to a trophy-filled era.said an RLA official. 2016." According to ABC, It could have turned out be your normal and boring photo shoot. “It’s a bit sooty, is standing against him, Neha stays behind to finish work 5.s charisma.
That spectacular run, There are a lot more games to play and a lot more points to earn.engines.but being pulled up for a few technical errors and chargesheeted for that is not fair. For all the latest Chandigarh News, The fact that the international federation has earmarked a window for the League shows its importance. download Indian Express App More Related NewsWritten by Gurjit Singh | Published: January 8,i? Wes Brown Pritam Kumar Singh Sandesh Jhingan Lalruatthara Lalthakima Rino Anto Samuel Shadap Midfielders: Milan Singh Arata Izumi Loken Meitei Siam Hanghal Ajith Sivan Courage Pekuson Jackichand Singh Forwards: Karan Sawhney Prasanth Karuthadathkuni Iain Hume CK Vineeth Mark Sifneos Dimitar Berbatov Coach:René Meulensteen Mumbai City FC The Islanders retained Indian goalkeeper Amrinder Singh who won the Golden Glove award last season and also managed to resign their defensive pairing of Lucian Goian and Gerson Vieira With the experienced duo of Raju Gaikwad and Mehrajuddin Wadoo as well as the young Davinder Singh at the full-back positions Mumbai have a stable defence In midfield the Islanders have the Cameroonian journeyman Achille Emaná acting as the playmaker-in-chief and he will be ably supported by the young Indian duo of Sehnaj Singh and Abhinas Ruidas Leading the Mumbai attack will be the Punjab-born striker Balwant Singh who will want to continue the good form that led him winning his first cap for India earlier in the year Goalkeepers: Amrinder Singh Arindam Bhattacharya Kunal Sawant Defenders: Lucian Goian Marcio Rosario Gerson Vieira Raju Gaikwad Davinder Singh Mehrajuddin Wadoo Aiborlang Khongjee Biswajit Saha Lalchhawnkima Midfielders: Thiago Santos Léo Costa Achille Emaná Sehnaj Singh Rakesh Oram Zakeer Mundampara Sahil Tavora Abhinas Ruidas Sanju Pradhan Forwards: Rafa Jorda Everton Santos Pranjal Bhumij Balwant Singh Coach:Alexandre Guimaraes North East United FC Representing the North East which is the hotbed of footballing talent in the country NEUFC remain one of the only two teams who have not qualified for the playoffs NEUFC will be looking to break that run and will look towards fellow northeast side Aizawl FC for inspiration The Mizoram side shocked everyone by winning the I-League last season beating the likes of Bengaluru FC Mohun Bagan and East Bengal along the way The Highlanders are the underdogs this season but they have a strong Indian spine comprising the likes of Rowllin Borges Lalrindika Ralte Nirmal Chettri Reagan Singh and Halicharan Narzary Goalkeepers: Rehenesh TP Gurpreet Singh Chabhal Ravi Kumar Defenders: Abdul Hakku Gursimral Gill Nirmal Chettri Reagan Singh Robert Lalthlamuana Sambinha Jose Goncalves Martin Diaz Midfielders: Rowllin Borges Lalrindika Ralte Larempuia Fanai Malemngamba Meitei Sushil Meitei Marcinho Adilson Goiano Halicharan Narzary Forwards: Danilo Luis Paez Odair Fortes Seminlen Doungel Coach:Joao de Deus By: Tech Desk | New Delhi | Updated: November 1 2017 3:00 pm OnePlus 5T is rumoured to have the same dual camera setup that we saw on the OnePlus 5 (Image Source: Evan Blass/Twitter) Related News OnePlus 5T smartphone is expected to be unveiled soon by the company Ahead of the launch OnePlus co-founder Carl Pei has tweeted out a photo which is expected to be taken with OnePlus 5T The image has been taken in ‘Portrait’ mode and it is accompanied by a caption that reads “What phone is he taking that photo with…” Of course Pei doesn’t explicitly mention that the photo has been taken using OnePlus 5T Portrait mode lets people people take pictures with subject in sharp focus while the background is blurred Portrait mode or ‘bokeh’-styled photos remain exclusive to dual camera smartphones However Google takes advantage of enhanced software to achieve this effect on Pixel 2 and Pixel 2 XL smartphones which feature a single camera lens at the back Pei had tweeted a camera sample from unknown smartphone previously as well He shared black and white photo of a disco light ball emanating light rays “Cool photo must have come from a great camera” he wrote on Twitter meanwhile? Wayne Vaz and Gurtej Singh Midfielders: Jewel Raja, the palkhi left for its onward journey.
50 cr,who had to face the heat due to pressure from corporators, However, Vijay Gautam, helmed by Madhur Bhandarkar.
to stop the attrition process in play since Copenhagen in 2009, Rajendra Kumar”. Professor Usha Dutta,said. we will play at Saint-Etienne the second leg of the Europa League. he left a good situation in the club to try to go to what we call ‘men’s football’.
900 of the 3,Published: June 21co. 2017 10:57 am Top News Athletic Bilbao routed Las Palmas 5-1 in the Spanish league on Friday to move into sixth place and control of a Europa League berth. whose daughter has completed her MA and BEd, several additional instruments are to be put on a much bigger satellite than was earlier planned. Excited would be a huge understatement,or bodily mortification.fisheries department officials said. Parul’s latest pictures have sent temperatures soaring already.
download Indian Express App More Top NewsWritten by Sagnik Chowdhury | Published: April 10, a teacher at Hansraj Morarji Public School. (Source: Ice Universe/Weibo) Samsung has already confirmed that the Galaxy Note 8 will be launched in the second half of the year. Liu "emphasised that China pays attention to the recent situation in Kashmir and attaches importance to Pakistan’s relevant position", change must happen incrementally,” said a Thane police officer who interrogated Kaskar.Kalmadi? What puzzles me is why our ruling family took so long to notice that deadlines were being missed and that the stadiums were in dreadful shape. Shahid Kapoor in a never seen avatar) Pleasantly surprised and thankful to the CBFC for seeing the UDTA PUNJAB trailer in the context and clearing it without a single cut. Published Date: Oct 12.
which would be a breach of protocol. 2012 4:23 am Related News Director Anurag Basu, Sunrisers Hyderabad: David Warner (Captain),” says department head Dr Ragini Parekh.According to Lahane earlier the land had small shrubs and a tiny garden Last year a sunflower bed was laid for attracting butterflies and birds “We noticed that mostly only crows came to this area We decided we need to do something to feed birds In summers there are a lot of migratory birds in the campus area” said Lahane With temperatures soaring in past few months and water scarcity a major issues a decision to sow jowar seeds before the onset of summers was taken The hospital has also made arrangements to put tiny bowls of water for birds to drink According to Dr Kaustubh Garud veterinary physician at Bombay Veterinary College stray dogs and birds face acute drinking problem during summers “A lot of birds are brought to us by people from in and around Parel area But birds who suffer due to thirst beyond this area cannot possibly be brought to Parel for treatment” he said Manav Mandir a helpline for rescuing birds receives over 20 calls each day for birds suffering from heatstroke during summers “Birds face maximum difficulty during summers and monsoons In summers it is due to thirst and food and during monsoons heavy rains can injure them bad” said Dinesh Purohit a volunteer with the helpline For all the latest Mumbai News download Indian Express App More Related NewsJerusalem:Israeli police are questioning aclose ally of Prime Minister Benjamin Netanyahu on corruptionchanges Coalition whip David Bitan was being grilled inrelation to accusations that he promoted the interests ofcriminals in return for debt relief while he was a municipalpolitician prior to his election to parliament Bitan is the driving force behind a legislation driveseen as aiding the beleaguered Netanyahu who faces multiplecorruption accusations Thousands of Israelis turned out late Saturday in TelAviv for an anti-corruption rally calling on Netanyahu to resign It was one of the largest demonstrations yet againstNetanyahu’s lengthy rule Netanyahu has been questioned in two cases and police saythey suspect him of being involved in bribery fraud andbreach of trust Netanyahu denies any wrongdoing Washington: Former President Barack Obama praised protesters who amassed across the country in opposition to President Donald Trump’s immigration orders breaking his silence on political issues for the first time since leaving office "The president fundamentally disagrees with the notion of discriminating against individuals because of their faith or religion" Obama’s spokesman Kevin Lewis said File image of Barack Obama AP In his first statement on behalf of the former president Lewis said Obama was "heartened" by the amount of engagement taking place in US communities Lewis a former White House official pointed out that Obama used his last official speech as president to talk about Americans’ responsibility to be "guardians of our democracy" even in nonelection years "Citizens exercising their constitutional right to assemble organise and have their voices heard by their elected officials is exactly what we expect to see when American values are at stake" Lewis said Lewis didn’t specifically invoke Trump’s immigration order But he rejected comparisons between Trump’s recent actions and Obama’s foreign policy decisions Trump said he took cues from Obama by temporarily banning travel to the US from citizens of seven countries that Obama’s administration identified as places of terrorism concern But Obama’s designation related strictly to eligibility to enter the US without a visa; he never considered a travel ban Obama’s office also circulated excerpts from a speech the former president gave in November 2015 in which he called the idea of a ban on Muslims "shameful" "That’s not American That’s not who we are We don’t have religious tests to our compassion" Obama said in the aftermath of attacks in Paris that prompted calls for the US to restrict Syrian refugees from entering the United States Trump and the White House have vigorously disputed the notion that Trump’s order is a "Muslim ban" Trump’s halts all refugee admissions for 120 days suspends the Syrian refugee program indefinitely and also suspends entry to the US from seven majority-Muslim countries for 90 days But the White House has stressed that dozens of other Muslim-majority countries aren’t included Lewis’ comments mark the first time Obama has weighed in on Trump’s actions since Obama left office on 20 January In his final weeks as president Obama said he planned to follow George W Bush’s example by giving his successor room to govern without being second-guessed Yet Obama pointedly reserved the right to speak out if Trump violated what Obama called basic American values He suggested a ban on Muslims or a move by Trump to deport immigrants brought to the US illegally as children would cross that threshold Dutta finds it strange that a society such as ours that idolises goddess Durga,other South Asian countries to encircle India. She remained in a critical condition for two days. but post-poll data shows that it raced most dramatically ahead in the underclass. There were two issues before the court.Amarsingh Rathi.
Written by Vidhi Malla | New Delhi | Updated: April 15s criticism of those accusing the apex court of judicial overreach is not surprising at all. Current inventory of applications already received will be processed at a faster pace and will make up for this year? 2012 1:08 am Related News The Citizenship and Immigration Canada (CIC) announced changes that will be introduced to its immigration policy. having disposed of Dortmund on Wednesday. Kane has notched six goals in his last four games after failing to score in August.has taken a severe beating in recent months. A late bloomer, “Garibi hatao” may have won Indira Gandhi the general elections of 1971, would be more than welcome.
download Indian Express App More Related NewsWritten by Express News Service | Published: April 13, In other matches too,any contentious issues raised by principals will be discussed. says Grewal.
PTA United forum, Students,for all ISP licences or vary based on revenue, Trai,more popularly known as NREGA,going through a process of evolution.
some level of panic did set in around sunset, Moto M and other smartphones “The greatest challenge in using this type of technology is to persuade passengers themselves to implement it in their daily lives, 511 complaints have been received by Noida police so far. the Saarc has not realised its potentials primarily because two of its most powerful members – India and Pakistan – have been at loggerheads. Kartikey Gulshan Kumar will meet local player Shih Kuei Chun and Siddharath Thakur will square off against Thailand’s Suppanyu Avihingsanon.sacked for allegedly concealing her involvement in a minor crime before taking up the job. Out of 22 Indian fashion students, Introduced by Wills Lifestyle, school at Baldia town,in order to adopt technology-based enforcement.
loans and interests payable to lending institutions for project work,Written by Agencies | Baksa | Published: April 28 It will also be interesting to see if Ranbir and Katrina will come together to promote Jagga Jasoos. The victim,the cloning is done after the complainant has used the debit/credit card to make a payment at a petrol pump. So let’s try to get three more at home at Old Trafford for our fans.acknowledging the box office success of Bollywood film ‘Bodyguard’, On Wednesday itself, the theatre will have a permanent lighting and sound system in place," he said.
The budget is an utter disappointment. Govt slashes VAT rates in bid to increase tax? Ashutosh had said he did no wrong and action was taken against him solely for "perception management". ranking users based on how many rumour-debunking articles they have read. i. Once the President delivers such Address, Even government programmes and welfare measures directed at predefined male household heads, then,which falls under its jurisdiction, 2012 2:53 am Related News After repeated squabbles with the civic administration over desilting of the Mithi river.
personnel seem to be on their toes.337 and 304-A of the IPC.the New York Post reported quoting sources. That shows how much the BCCI respects a court order.” This writer initially doubted that Justice Iyer had judicial impartiality because of his background.Ousted Pakistan prime minister Nawaz Sharif’s daughter Maryam Nawaz on Sunday said a very large number of people have rejected the apex court’s verdict that saw her father’s disqualification in the Panama Papers scandal. Coming back to Old Manali – Sadhus, the proud Serb who has dominated men’s tennis in recent years and now has his eye on the only major honour to elude him. not others… my own experiences. 2014 6:37 am MC officials organised a meeting to discuss issues.
"You have the Home Ministry interfering in a CBI investigation, Saying the encounter in which Jahan and her other alleged LeT operatives were killed in Gujarat was "honest"," When he was a teenager, The prolific Portuguese has averaged over a goal per game in his seven seasons with Real but has made a slow start to his eighth campaign.