The ‘Magnificent Seven’ is back for 2017!Each week, Ray Stubbs and his guests on talkSPORT 2 will select the most memorable sporting moments of the previous weekend.There are no rules… nominees can be individuals, teams, magic moments, even trophies or quotes. Anything and everything goes.Leading the way this week is Wayne Rooney, who equalled Sir Bobby Charlton’s Manchester United scoring record with his 249th goal for the club.But who joined him in this week’s ‘Magnificent Seven’? Have a listen to find out.You can hear the ‘Magnificent Seven’ every Monday afternoon at 2.45pm on talkSPORT 2
can’t remember which day began to busy every morning, in the evening, one night, finally made a decision: 12 before going to bed (don’t sleep slap). Guard Yuan Kun is a man of my word, just like, I got myself a slap in the face. Sometimes the so-called punishment really is not punishment, just tell yourself something to do, some things should not do.
08 years since the first contact with the site (only know Baidu and QQ for 06 years), and then fell in love with the network. Has been studying the operation of the site, with the memory of the decline of Lam Ching Ying forum to study the profitability and sustainable development of web operations. 10 years began to focus on the issue of network marketing and profitability, because I am not a technical background, so more time to focus on execution. Remember to learn, I will go all night to see the home of the webmaster and A5 main station article. To analyze the feasibility of your experience, why do you do. If I do, how will the effect. It is precisely because of this, I also applied for a free forum in 5d6d experiment. Every time I see you on the Baidu algorithm change, website ranking no, I still as steady as Mount Tai free forum. Now with the chef encyclopedia on the line, the establishment of personal blog. The free forum has been closed by me
Guardian Kun Kun has a dream, hope in the world of internet. Therefore, I also actively study the network marketing knowledge, in my mind, SEO is really just a way of promotion, marketing is just one aspect of search engine marketing. However, SEO has been unknowingly Friends Unlimited amplification, SEO become omnipotent. Because in the minds of everyone: Internet users are through the search engine to come, so more time and SEO workers just think about the search engine changes. In the end how many people consider the direct audience of our website?. It is precisely because we rely too much on the search engine, so just to find the loopholes in the algorithm, for just a good ranking, forget our website users. While standing in a row of forum homeopathic website profit trading theory, from the traditional SEO method and the user to create value optimization site two aspects of the operation of the site. The user is the foundation of the site, the source of all interests is the user, but too many friends have forgotten.
just chatted with Zeng, talking about what to do now. I also asked about the wages, to tell the truth, I really can not say exports. I’m still a salary, so I have been doing their own projects, has been doing their own network marketing. For those of us friends, we have been removed from the Internet for several years, the truth sometimes really stayed in one place not long, because our heart is throbbing. And a lot of the time we employed company boss is a layman, do not attach importance to this aspect (like the guardian now place, completely do not pay attention to online shopping, online shopping and a total of only one group purchase department, only a few people). It is because we are moving, so the sky does not belong to me.
The Maponya Mall Reading Programme willbe hosted mainly at the Funda UJabuleschool in Soweto. (Image: UJ) MEDIA CONTACTS • Herman Esterhuizen UJ media relations +27 559 36653 or +27 72 129 0777 RELATED ARTICLES: RELATED ARTICLES • UJ Soweto university open for learning • Tackling SA’s education challenges • SA prioritises quality education • Getting needy kids hooked on books • Primary schools get a helping handEmily van RijswijckA top shopping mall, a financial services company and a university have struck up a joint venture to teach children in Soweto the joy and educational value of reading, within and outside the classroom.The Maponya Mall Reading Programme, which targets children between the ages of four and eight, was formally launched at the mall in Klipspruit, Soweto, by the University of Johannesburg (UJ) and Sanlam.The upmarket shopping centre is close to UJ’s Soweto campus.According to the university, the aim of the programme is two-fold – firstly to promote reading and an appreciation of literature through storytelling and secondly, to give staff and students of the Faculty of Education the chance to share their storytelling skills with the surrounding community.The Dean of the Faculty of Education, Prof Sarah Gravett, and B Ed Foundation Phase teacher education students got the programme going by reading to about 250 children throughout the morning of 17 March, the launch date.According to Gravett, reading lays the foundation for all further cognitive development in young children and it is critical that parents read to their children and, in so doing, stimulate a passion for literature which will stay with them all their lives.“Reading is a very important way of activating and initiating the development of more complex thinking and linguistic literacy, which can prove crucial to the years of foundation phase schooling,” she says. “The earlier reading is used as a tool to stimulate language development the better, since we never exist without language; we use it all the time.”The Funda UJabule schoolThe programme will be hosted for the most part at the unique Funda UJabule (isiZulu, meaning “learn and be happy”) school on UJ’s Soweto campus. Funda UJabule, a partnership between the Gauteng Department of Education and UJ, is used as a teacher education and research facility for students planning to teach at pre-primary level.Foundation phase students at UJ participate in classroom activities at the school and spend time as observers and assistants to the teachers.“The overall aim is to establish a strong teacher education programme that bridges the ‘theory-practice divide’,” says UJ.In an effort to reach the community, teachers and students contribute a bi-weekly column to community newspapers in Soweto in which they discuss child care and aspects of education.Funda UJabule opened its doors in 2010, with two grade R (foundation phase or pre-school) classes offering education to 200 children in either English and isiZulu, or English and Sesotho. In time it is hoped to develop the school into a fully-fledged primary school.In addition, Funda UJabule is a facility where students can undertake research in various related fields.The school hosts a number of community engagement projects related to care and education in childhood, of which the Maponya Mall Reading Programme is the latest. Teaching parentsThe reading programme also has a strong parenting focus. In the coming months the UJ Faculty of Education will host further events, some of which will train parents in the art of storytelling and help them with reading strategies at home.Books are about more than stories and should be used as tools by parents to teach their children. The choice of a particular story can set an entire learning process in motion, Gravett believes.“The question should not be whether I should be reading to my child, but what I should be reading and how I can use the reading experience to teach my child something about society,” she says.“Even though reading is important for the development of linguistic literacy it should be accompanied by the deliberate attempt to teach one’s child something new. Your child’s success at school depends on what you are reading to them.”Metropolitan RaucalThis is not the first time UJ has joined forces with a financial institution to promote education and learning. In 1994 the university went into a partnership with Metropolitan Life to support the Metropolitan Raucal, a Gauteng Department of Education school established in 1992 by the then Rand Afrikaans University (since renamed as the University of Johannesburg).The initial aim of the school was to help township pupils with an aptitude for mathematics and science to gain access to quality education. Now in its 20thyear, the school continues to post excellent matric results and, while its curriculum remains strongly focused on quality maths and science education, the selection criteria have become less restrictive. The school maintained a 100% matriculation pass rate until 2009 but faltered a little, with one failure in each of the 2010 and 2011 academic years.A rich historyWith its rich, chequered and sometimes violent history it is no wonder that the sprawling township of Soweto (its name taken from the first two letters of the words in South Western Township) is such a drawcard for visitors to Gauteng and is one of the top ten destinations in the province.South Africa’s biggest township has written its name firmly in the history books for a number of reasons.It was here that the Freedom Charter was signed in 1955 in Soweto’s oldest suburb, Kliptown. It is also here that visitors can see the only street in the world where two Nobel Peace Prize laureates once lived.Former president Nelson Mandela and Archbishop Desmond Tutu both lived in Vilakazi Street in Orlando West and while Tutu’s former house is still a domestic residence Mandela’s small matchbox home has been turned into a museum.Soweto is also the place where the 1976 student uprising began, an event that sounded the death knell for apartheid and led to severe international sanctions against the country right through the 1980s.The Hector Pietersen Museum around the corner from Mandela’s old home commemorates this event.
By Charlene Crowell, Deputy Communications Director with the Center for Responsible Lending and NNPA Newswire ContributorMore than 50 years ago, this nation enacted legal guarantees that fair housing would be available to all Americans. Despite this federal assurance, however, a disturbing and ongoing stream of reports and lawsuits remind us that we are still on an aspirational journey. Aggressive enforcement of fair housing and other anti-discriminatory laws are supposed to bring punishments for violators, and restitution for those harmed.But as with so many justice issues –either financial or criminal, what really happens in life seems a world away from the African American experience.Since its inception, the Consumer Financial Protection Bureau’s (CFPB) mandate was to protect consumers from discriminatory lending as well as to ensure fair access to credit. In addition to violations of the Fair Housing Act, CFPB also has the authority to refer potential violations of the Equal Credit Opportunity Act (ECOA) to the Justice Department.This June a coalition of 158 state and national advocates filed written comments against another recent deregulatory move planned by the CFPB. This effort would exempt hundreds of lenders from providing vital data that tracks the market and consumer access to credit.Despite these and other enforcement options, CFPB’s most recent fair lending report to Congress acknowledged a full year without any fair lending enforcement actions.“The Bureau must refer to the Justice Department (DOJ) a matter when it has reason to believe that a creditor has engaged in a pattern or practice of lending discrimination in violation of ECOA,” acknowledged the report. “In 2018, the Bureau did not refer any ECOA violations to the Justice Department…In 2018, the Bureau opened and continued a number of fair-lending-related investigations, however, it did not bring fair lending-related enforcement actions”, the June 2019 report continued.While CFPB turned away from fair lending, several 2018 lawsuits were filed mostly by private and nonprofit advocates. Their collective actions realized large settlements, fair lending reports and continued documentation of illegal breaches.For example, nearly a year ago, New York’s Suffolk County Federal Credit Union signed a $1 billion settlement rather than go to trial on discriminatory charges. The settlement resolved a case filed two years earlier, in 2016 that alleged Black and Latino consumers were denied mortgage approvals at a higher rate than that of the credit union’s white customers.Later that same year, in a regulatory examination of Citigroup, the Office of the Comptroller of the Currency (OCC) found that consumers of color were not receiving the same mortgage rate discounts reserved for its large-deposit customers. That case was referred to the Justice Department.Another 2018 discriminatory case involved lawsuits with several major banks on behalf of consumers in two Maryland counties, Montgomery and Prince George. The case alleged that as early as the mid- 2000s, consumers of color were steered into higher-cost, non-prime mortgages – a violation of the Fair Housing Act.Some might contend that this sample summary might not be fair to CFPB and its mission.To such questioning minds, I would add that this June a coalition of 158 state and national advocates filed written comments against another recent deregulatory move planned by the CFPB. This effort would exempt hundreds of lenders from providing vital data that tracks the market and consumer access to credit.Every year, the Home Mortgage Disclosure Act (HMDA) report makes public details of the past year’s mortgage market. It is the only national report that includes the race and ethnicity of mortgage applicants, types of loan approvals as well as denials. Most importantly, the actual behavior of lenders – both banks and nonbanks record the total number of loans involved.By exempting so many lenders, the highly anticipated report would lose valuable clarity and irrefutable data.Among the organizations signing these comments were: NAACP, The Leadership Conference for Civil and Human Rights, the National Fair Housing Alliance, and the Center for Responsible Lending.“A large loss of HMDA reporting will create a distorted view of lending trends in these underserved areas and will make it more difficult for stakeholders to determine if revitalization efforts are succeeding,” wrote the housing advocates. “The overall impact of raising the threshold will be to frustrate HMDA’s purposes of determining whether credit needs are being met and whether public investment has succeeded in rejuvenating the housing and lending markets in struggling neighborhoods.”The coalition comments also include a litany of CFPB actions that have occurred since 2017, all with anti-consumer effects:Failure to issue any violations of the Equal Credit Opportunity Act;Declared its intent to ignore the Disparate Impact standard, a long-standing legal test that holds the effects of discrimination, not the intent are legal violations;Publicly praised the repeal of anti-discrimination auto lending guidance;Sided with payday lenders in their challenge of the Bureau’s payday rule promulgated under the previous director;Stripped the Bureau’s fair lending office of its supervisory and enforcement powers; andRelegated the development of regulation on fair lending for minority and women-owned businesses to a low-level concern.In many ways, the Consumer Financial Protection Bureau has failed to live up to its name and reneged on its mission.“This lack of enforcement demonstrates our journey towards fair lending still has miles to travel,” said Melissa Stegman, a CRL Senior Policy Counsel. “CFPB was created to protect consumers without exception.”Charlene Crowell is the deputy communications director with the Center for Responsible Lending. She can be reached at Charlene.email@example.com.