What is ‘privacy by design’ and why does it matter?

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr This post is currently collecting data… The rapid expansion of online account usage has made us all a little more sensitive to potential data exposure. According to 2020 BAI research, 38% of consumers across all generations report that their biggest frustration with digital banking remains the fear of fraud and security concerns.Establishing proactive privacy practices will secure and protect your institutions’ and consumers’ digital data against outside threats, which will in turn strengthen consumer trust and loyalty.What is ‘Privacy by Design’?The ‘Privacy by Design’ framework has become a universally -recognized standard for protecting data. Following the methodology outlined in this approach will help to ensure your data remains as secure as possible, in a compliant, consumer-focused way.The proactive privacy and security methods identified in this framework include the following:center_img This is placeholder text continue reading »last_img read more

The suburbs you need to target to qualify for first home loan scheme

first_imgFirst home buyer couple Mitch Brown and Amber Williams outside one of the houses they are looking to buy in one of the suburbs that will qualify for the First Home Loan Deposit Scheme.FIRST home buyers wanting to use the federal government’s new home loan deposit scheme to buy a house will be forced to look in areas outside of Brisbane’s sought-after inner city suburbs.But there are plenty of bargains to be found, and if you are happy to settle for an apartment, most options are in premium suburbs within 10km of the CBD.The analysts at realestate.com.au have crunched the numbers and revealed the most in-demand suburbs among first home buyers within a 20km radius of Brisbane’s CBD and below the scheme’s price cap of $475,000. RELATED: Revealed: The best Brisbane suburbs to invest in 8. Wishart $392,500 6. Auchenflower $460,500 (Source: Realestate.com.au) FIRST HOME LOAN DEPOSIT SCHEME EXPLAINER*If you have saved 5 per cent of the purchase price of a property, the government will guarantee the remaining 15 per cent of the deposit required*You still need to borrow 95 per cent, but can avoid LMI*Your mortgage needs to be an owner-occupied loan with principal and interest repayments*You will need to be a first home buyer — if you own an investment property you won’t be eligible — earning $125,000 ($200,000 for a couple) a year or less*The scheme is limited to 10,000 borrowers*The scheme is open to buyers of established properties*You must buy a property valued at or below the threshold for your location*The scheme starts on January 1, 2020PRICE CAPS – First home loan deposit schemeACT $500,000NSW – Sydney and regional centre $700,000NSW – other including Jervis Bay and Norfolk Island $450,000VIC – Melbourne and regional centre (Geelong) $600,000VIC – other $375,000QLD – Brisbane and regional centre (Gold Coast etc) $475,000QLD – other $400,000NT $375,000SA – Adelaide $400,000SA – other $250,000WA – Perth $400,000WA – other including Christmas Island/Cocos Islands $300,000Tas – Hobart $400,000Tas – other $300,000(Source: Australian Government, The Treasury) 5. Newmarket $420,000 2. Paddington $460,000 The federal government’s First Home Loan Deposit Scheme comes into effect on January 1, 2020. Picture: iStock.For that price, a first home buyer could be lucky enough to secure a loan for a three-bedroom house in Rocklea, which has a median house price of $409,000 and is only 9km from the CBD.The other most popular first home buyer suburbs that qualify for the First Home Loan Deposit Scheme (FHLDS) are further from the city centre, however, such as Acacia Ridge, Petrie and Camira.The most in-demand suburbs for apartments with median prices of $475,000 or less among first home buyers are Mount Gravatt East, Paddington and Herston — all within 10km of Brisbane’s CBD. 1. Mount Gravatt East $392,000center_img 3. Herston $385,000 More from newsParks and wildlife the new lust-haves post coronavirus10 hours agoNoosa’s best beachfront penthouse is about to hit the market10 hours ago 4. Ashgrove $443,500 7. Carina Heights $440,000 This three-bedroom house at 18 Flaxton St, Acacia Ridge, recently sold for $390,000.The FHLDS, which comes into effect on January 1, 2020, will allow 10,000 first home buyers to secure a property with as little as a 5 per cent deposit without paying lenders mortgage insurance (LMI). Lenders usually require borrowers to take out a policy if the deposit is less than 20 per cent, with LMI often adding an extra $10,000 or so to first homebuyer costs.Some agents are preparing for a wave of first buyers to flood the market in January and February, which could put upward pressure on home prices, according to.Realestate.com.au chief economist Nerida Conisbee.“We saw a big rush of first home buyer activity from May to September, but it’s since tapered off, and I wonder if it that’s because people are waiting for the scheme,” Ms Conisbee said.“If we do see a lot of activity in certain suburbs, it will have an upward impact on prices, but not as much as in 2015 when we had a surge in investor activity.” Nerida Conisbee, chief economist of Realestate.com.au. Image: AAP/Monique Harmer. MORE: Why housing affordability is actually improving 10. Gordon Park $340,250 Ms Conisbee said the suburbs that qualified for the scheme in Brisbane differed when it came to houses and units, with most houses in more industrial areas outside the 10km radius, but apartments available in more affluent suburbs.“I think if you are a first home buyer, you need to make a personal decision as to what type of home you want to live in,” she said. “If you really want to be in one of those premium suburbs and take advantage of the grant, you’re more than likely going to have to live in an apartment.”Ms Conisbee said an influx of first home buyers moving in to a suburb had the potential to “dramatically change” it for the better.“They create demand for better retailing and often the have energy to improve homes dramatically, so over time the suburb does begin to change,” she said.But SQM Research managing director Louis Christopher said the scheme was unlikely to have much impact on the market. SQM Research managing director Louis Christopher.“Relatively few first home buyers will qualify for it, and those that do will have to jump through a number of hoops,” Mr Christopher said. “This will not push up prices.”First home buyers Amber Williams, 19, and Mitchell Brown, 19, are hoping to qualify for the FHLDS.Mr Brown said the young couple was in the process getting their finance approved so they could be ready to buy in the new year.“We’ve always wanted to get a house, but didn’t think we could afford it until we heard about this and now we’ve been talking to a broker,” Mr Brown said.“This has been a greenlight for us.”Mr Brown said he had been saving for a deposit for nearly two years and was hoping to buy a house in Petrie or Warner. This four-bedroom house at 5 Kulara Place, Petrie, is for sale for offers over $399,000. The federal government’s First Home Loan Deposit Scheme kicks in on January 1, 2020.Annabel Brooks of Ray White – Warner, is marketing the perfect first home buyer property at 5 Kulara Place, Petrie, where the median house price is $440,000.Ms Brooks said she the announcement of the FHLDS had changed the mindset of many first home buyers.“It’s created a bit more urgency,” Ms Brooks said.“Nearly every first home buyer I talk to is gearing up to take advantage of the scheme.“They also seem to be looking to be more decisive and become more active buyers.” Ten thousand first home buyers will soon be able to secure a property with a 5 per cent deposit without having to pay lenders’ mortgage insurance (LMI).New research by PRDNationwide for the second half of 2019 found the Brisbane property market continues to be a prime market for first home buyers, with the under $500,000 price bracket reaching a record high percentage of available suburbs at 44 per cent.That’s a significant increase compared with a year ago when buyers with a budget of $500,000 or less could only access 12.4 per cent of the market.TOP 10 MOST IN DEMAND BRISBANE SUBURBS WHERE A HOUSE LOAN SHOULD QUALIFY FOR THE FIRST HOME LOAN DEPOSIT SCHEMERank Suburb Median house price 1. Rocklea $409,0002. Acacia Ridge $395,0003. Petrie $440,0004. Camira $435,0005. Alexandra Hills $457,5006. Regents Park $400,0007. Zillmere $460,0008. Chuwar $415,0009. Margate $450,00010. Forest Lake $440,000(Source: Realestate.com.au) TOP 10 MOST IN DEMAND BRISBANE SUBURBS WHERE A UNIT LOAN SHOULD QUALIFY FOR THE FIRST HOME LOAN DEPOSIT SCHEMERank Suburb Median unit price 9. Morningside $450,000last_img read more

Vikings working out Morris Claiborne amid defensive back shortage, report says

first_imgMinnesota gave up the third-fewest passing yards (3,140) in the league last year and had a formidable defensive line. But that will be difficult to replicate without depth.The Vikings finished last season 8-7-1 and missed the playoffs. Colts being cautious with Andrew Luck, cite Kevin Durant’s Achilles injury Minnesota is looking to shore up its defense, and it’s working out some veterans in hopes of finding a match.The Vikings are working out free agent cornerback Morris Claiborne alongside other seasoned secondary talents, according to an NFL Network report. The 29-year-old veteran recorded career highs of 57 tackles and two interceptions in 15 games for the Jets last season. He was selected by the Cowboys with the No. 6 overall pick in the 2012 NFL Draft, but hasn’t quite lived up to the lofty expectations set for him. Corey Coleman injury update: Giants receiver out for season after tearing ACLcenter_img The #Vikings continue to kick the tires on veteran CBs, working out Mo Claiborne today, sources say. No CB crisis in Minnesota, even with Mike Hughes on PUP and Holton Hill suspended. Just examining options as camp kicks off in earnest.— Tom Pelissero (@TomPelissero) July 26, 2019The Vikings are simply understaffed when it comes to defensive backs. Second-year cornerback Mike Hughes was placed on the PUP list Friday and is looking to bounce back from an ACL tear he suffered last season. Holton Hill has been suspended for the first eight games of 2019 after violating multiple league policies in recent months. Related News Nevertheless, Claiborne could help solidify Minnesota’s young group.last_img read more

Theron Fitzpatrick, 89, Neosho Falls: Nov. 24, 1923 – Tuesday, Aug. 13, 2013

first_imgTheron Fitzpatrick, 89, of rural Neosho Falls, Kansas, passed away Tuesday, August 13, 2013, at the Allen County Regional Hospital in Iola. Fitzpatrick is the father of Ken Fitzpatrick of Wellington and grandfather of Heidi Theurer, Casey Fitzpatrick and Anna Lucas of Wellington.Theron was born November 24, 1923, in Geneva, Kansas, the son Edward Anthony and Anna Thresa (Mabie) Fitzpatrick. He grew up and lived his entire life in the Geneva and Neosho Falls communities.On August 22, 1948, Theron married Pauline Stovall. He enjoyed farming, raising cattle, and also ran a saw mill with a neighbor during the winter months. He liked to hunt and fish with family and friends. Pauline preceded him in death November 15, 2004.Theron served on the board of directors of the Piqua Farmers Coop and Woodson County F.H.A.SURVIVORS:2 Sons: Ed Fitzpatrick & companion Chris of Neosho Falls, KS and Ken Fitzpatrick & wife Rhonda of Wellington, KS1 Daughter: Patsy Mapes & husband, Dan of Skiatook, OK5 Grandchildren: Heidi Theurer & husband Travis, Casey Fitzpatrick, Anna Lucas & husband Nic, Emily Mapes & fiancé Terry Reed and Eli Mapes5 Great GrandchildrenHe was preceded in death by his parents and his sister Georgia Mae Cleaver.FUNERAL SERVICE: 10:30 a.m., Saturday, Aug. 17, 2013, at the Waugh-Yokum & Friskel Chapel in Iola.VISITATION: Prior to the serviceBURIAL: Geneva Cemetery, northwest of IolaMEMORIAL: Geneva Cemetery FundMemorial gifts may be left with the Waugh-Yokum & Friskel Memorial Chapel of Iola, which is in charge of arrangements.Online condolences for the family may be left on this website, www.iolafuneral.com.last_img read more