Employee Benefit Plan Audits
Our Company
We are committed to helping each of our clients succeed. For this reason our employees attend specialized classes and conferences to keep up-to-date with the latest audit, accounting, and tax requirements.
 Employee benefit plan audits require specialized skills and professionalism. Incomplete, inadequate, or untimely audits can result in penalties assessed against you as the plan administrator.  At Baldwin CPAs, PLLC we don't want to see that happen.  That is why our firm is committed to you as reliable and experienced auditors.
Baldwin CPAs, PLLC is a member of the American Institute of Certified Public Accountants (AICPA) Employee Benefit Plan Audit Quality Center. This voluntary membership demonstrates our commitment to quality audits and staying current on professional standards and rules and regulations associated with employee benefit plan audits. We are well prepared to work with your employee benefit plan and tailor our services to meet the needs and goals of your business.
We provide limited and full-scope audits for employee benefit plans.
Our employee benefit plan audit services include:
Defined contribution plans (which include 401(k), 403(b), Profit Sharing Plans)
Defined benefit plans (Pension plans)
For more information about the employee benefit plan audit services we provide, contact

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Employee Benefit Plan Audits | Baldwin CPAs, PLLC - Accounting, Peer Review, Small Business, Audits & more

, as well as a series of employer pulse surveys conducted between April and
July 2020
. Together, the data from these reports captures an in-depth overview of the effect the pandemic is having on hiring as well as employee benefits and compensation.
"Over the last decade, a tightening labor market led employers to offer a robust holistic rewards strategy to win the war for talent, but the pandemic has forced decision-makers to closely examine their benefits and compensation strategies," said
William F. Ziebell
, CEO, Gallagher's Benefits & HR Consulting Division. "Employers are reviewing their benefit offerings to make sure they address employees' evolving needs and, at the same time, fit within their organizations' budgets."
Gallagher's research found a significant number of employers plan salary freezes for management and executives (43 percent) and non-management personnel (42 percent) to preserve jobs in 2021. In addition, following the viral outbreak, more than 8 in 10 employers (83 percent) have more strongly emphasized the role of specific benefits within total wellbeing, including emotional wellbeing (65 percent), leave policies (47 percent), medical benefits (39 percent) and physical wellbeing (36 percent). The Gallagher report is a tool designed to help employers identify and prioritize a new approach to total wellbeing, as well as effectively communicate significant changes to 2021 benefit programs during this fall's upcoming open-enrollment period.
Opportunities Exist for More Effective and Efficient Benefits Strategy
Given the level of economic uncertainty, it's crucial for employers to evaluate their framework for decision-making to support recovery and strengthen resiliency. This includes examining their benefits and compensation strategies to ensure the total wellbeing of the workforce  employees' physical, emotional, career and financial wellbeing  is supported at cost structures the organization can sustain. This could mean eliminating underutilized benefits, identifying new offerings and cutting unnecessary expenses to optimize the organization's investment in its people.
COVID-19 did not force employers to make mid-year adjustments on their coverage. In
June 2020
, nearly 9 of 10 employers (86 percent) had not reduced health plan benefits and didn't intend to during the pandemic. Additionally, almost 8 of 10 organizations (79 percent) expected to continue the same health coverage in 2021. By July, 63 percent of employers anticipated their healthcare expenses for 2020 would either align with projections (40 percent) or be lower (23 percent), in large part due to avoidance of elective procedures. However, in many parts of the U.S, the pandemic is spreading and it's not yet clear whether health insurers will reduce, maintain or even increase premiums heading into 2021.
Gallagher's 2020
Benefits Strategy & Benchmarking Survey
learned the high cost of medical services (67 percent) and specialty drugs (41 percent) continued to be the top healthcare cost-management challenge for employers. These challenges, along with COVID-19 related concerns about increased operating costs and lower revenues, may force many organizations to adjust their 2021 benefits and compensation offerings. Employee cost sharing for medical benefits  which has remained relatively flat in recent years  may include unavoidable increases for many employers in 2021. Likely these would be in the form of increased premiums or greater implementation of high deductible health plans.
Employers also may reevaluate less commonly used healthcare tactics in an effort to reduce unnecessary costs, including audits of plan eligibility (18 percent) and claims (15 percent), and those that deliver greater value, such as narrow provider networks (14 percent), designated centers of excellence (10 percent) and integrated health and disability management programs (9 percent). In 2020, the overall use of at least one value-based option is 31 percent, but for large employers the rate was far higher at 58 percent.
Evolving Talent Management and Total Rewards will be Recognizable, but Retooled
As employers prepare for next year's open enrollment, many will review the number and type of health plan offerings and even look to new HR technology to support changing workforce needs.  More than two-thirds (69 percent) of employers had planned to invest in HR technology platforms by 2022, before the viral outbreak in the U.S. Many of these capabilities have even more value now, with large portions of the workforce working remotely.
Adjusting leave policies, adding voluntary or life insurance options, and emphasizing wellbeing benefits will continue to give employers latitude to more easily update their compensation and benefits strategy for a custom fit with shifting workforce preferences. In July, 26 percent of employers had modified their paid time off (PTO) policy and 16 percent were contemplating that move, as a result of COVID-19. And although currently offered by just 3 percent, unlimited PTO can be a creative way to support organizational wellbeing by cutting costs and motivating employees, particularly those who work from home and may be struggling to strike the right work-life balance. Unlimited PTO also eliminates employer's need to cash out any balance remaining within the PTO period or upon retirement.
Additional flexibility and choice are powerful attraction and retention tools that don't require notable employer expense. Voluntary benefit offerings have increased in recent years, with 45 percent of employers enhancing these offerings in 2020. Insurance options like critical illness (58 percent) and hospital indemnity (42 percent) help guard against the financial strain of medical bills, at a time when protecting health has become more complicated.
COVID-19 Trends Expected to Continue, More Virtual Work and Care
Many states and regions implemented stay-at-home orders to combat the pandemic; as a result, nearly 8 of 10 organizations (77 percent) implemented extensive work-from-home arrangements. Furthermore, 42 percent rolled out flex-scheduling options. Findings suggests these offerings are here to stay, with nearly 86 percent of organizations indicating work from home will continue after the pandemic, and 59 percent saying flex scheduling will remain an option as well.
This wave of remote working began as a forced experiment, and the majority employers found the practice works. In the near-term, work-from-home options provide immediate risk-management benefits to employee health. In the future, the practice may also help organizations reduce real estate expenses. However, it's important to note managers need to pay close attention to employee engagement and workplace culture to ensure employees' career wellbeing is still being supported and teams remain connected, efficient and productive. This may require virtual development, training and mentoring. Over 6 in 10 employers offered development training for management or leadership (64 percent) as

/PRNewswire/ -- COVID-19 and the economic downturn have forced U.S. employers to examine cuts that were considered unthinkable at the beginning of the year,...

prnewswire

U.S. Employers Explore Overhauls to Employee Benefits to Preserve Jobs, Budgets in 2021

Tess Taylor
Updated November 07, 2017
Each year, organizations look for creative and effective ways to promote their group employee benefit offerings It has become critical in a time when individuals are faced with comparing their workplace benefits with those offered on the open marketplace. Without adequate participation in group health coverage, companies cannot offer the kind of cost savings that they are expected to. Add to this the state of the job market as it stands currently.
There are many skill shortages, which makes it easier for employees to hop from one job to another where they may receive better compensation and benefits. Companies need to make employee benefit marketing a priority in order to attract and retain their best employees.
Employee benefit premiums are on the rise, again: According to the Society for Human Resource Management health premium costs have risen at least 6 percent over last years figures. Since the Affordable Care Act, premiums have nearly doubled. Many employers now offer only high deductible health care plans that offer low premiums, but have annual deductibles of $4,000 per member or more. It can be hard to sell employees on this type of plan, unless some serious marketing takes place that can show its value.
10 Critical Things You Must Do When Marketing Employee Benefits
Here are some time-tested ways to improve your employee benefit marketing results, while increasing awareness and the perceived value of benefits for your workforce.
Use as many of them as possible to keep your employees from shopping around for benefits elsewhere.
1. Make Benefits a Part of Overall Employee Compensation Communication
Companies often limit their benefit discussions to when they introduce them to new hires. Or they keep them separate from other forms of compensation.
However, this doesn't give employees the full impact of their total compensation. Use employee benefits as one of many perks and benefits of working with your company, added alongside salary and special incentives that are offered to employees. This enhances the perceived value.
2. Create Marketing Materials That Speak to the Needs of Employees
Smart marketing professionals address the why of offerings, which helps to increase the likelihood of conversion and sales. Use this same tactic when presenting employee benefits to employeesand candidates. The marketing materials must address the needs of individuals. For example, one individual may be looking for flexible benefits that grow as he or she starts a family. Presenting the benefits in this way can help them make the decision to enroll.
3. Develop Marketing That Covers All Media Formats
We live in a multi-media rich world. According to Smart Insights a marketing firm that monitors consumer electronics usage, indicated that as of 2017, the use of mobile devices has exceeded that of desktop computers. More employees are looking to their benefits information on the go, and need clear messaging to encourage them to enroll and use these benefits.
When sending out employee benefits communication it is important to use the right medium. Email can be good, but to reach individuals by phone, early mornings are the best; by tablet and online use late afternoon and evening messages.
4. Convey Positive Messaging Around Benefit Use
The entire idea of reading through employee benefit plan documents and trying to decide which coverage to accept is not all that appealing to most people. When marketing benefits its important to be as positive as possible. Make the benefits options about giving employees more control over their health care, their money, and their lives.
5. Share Employee Success Stories as Part of Marketing Campaigns
One great way to increase the positive nature of the marketing around employee benefits is by allowing employees to share their testimonials with peers.
This can be as simple as a written experience of using the benefits for a specific need, or a video created of their story. No one has to be perfect about this, just keep things natural and encourage employees to be honest. This can be the catalyst for getting other employees onboard.
6. Provide More Than Just Information About Employee Benefits
All benefits come with the standard explanation of benefits sheet, but you want to share something more meaningful. Develop a directory of health care centers and an orientation to the benefits program. Use a presentation that can be delivered to employees annually before open enrollment, during new hire on boarding sessions, and to simply educate employees about the benefits your company offers. Give out magnets that have the benefit administrators information and the 24/7 hour nurse hotline.
7. Enlist the Support of Benefit Plan Administrators
Most plan administratorshave access to massive amounts of marketing materials that can augment your current efforts. From flyers and folders to corporate swagger (t-shirts, hats, pens, etc.) there are many things that the company can share with your employees if you just ask. Invite your employee benefits rep to an annual health and wellness fair for even more fun.
8. Conduct Regular Analysis of Employee Benefit Usage
As a standard practice, all employee benefits plan managers need to be evaluating the use of benefits as they pertain to employees. There are some benefits that are not worth offering because employees simply do not use them. Conduct a survey at the start of each year asking what benefits are most desiredand what are never used. Eliminate those that are no longer needed and replace them with something better.
9. Turn Employees Into Brand and Benefit Ambassadors
Every year, especially before open enrollment periods, its time to get the entire workforce excited about benefits. Gather a committee of brand ambassadors who can share their experience with using the benefits, how claims were handled, information about local health care centers, and the discounts your company offers. Ask them to encourage their peers to participate in this years enrollment, and to share on company review sites how generous your company is.
10. Make Benefits Marketing a Year-Round Effort
While you may be reading this article now and thinking about a few ways to boost the marketing of your employee benefits, this isn't something that should just happen once in a while. Companies that have a reputation for taking good care of employees get there by marketing and promoting their benefits all year long. Create a compensation statement that can be downloaded by employees at an time. Remind employees to connect with the HR office anytime they have a question or need benefit support.
These efforts can help your company stand out as a leader in terms of compensation and benefits.
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10 steps that will enable your organization to more effectively market employee benefit offerings to attract and retain more employees.

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What You Need to Know When Marketing Employee Benefits

Medical Assistant
in Pensacola, Florida
They have the typical benefits package. They have a high deductible plan in which they pay 80% of for a single person or 60% for a family. Still pretty expensive. The other health plan is a higher premium but lower deductible which they will contribute the same to but you pay the rest out of pocket. They do have an incentive program with Florida Blue to offset the high deductible. They have FSA, HSA and HRAs as well. They offer vision and dental through MetLife. Aflac benefits, 401k through fidelity. Legal assistance, employee assistance, life insurance which they pay for and short term disability. Theres also a pretty decent employee discount through the skincare line onsite, the optical center, Plastic Surgery, the on site cafe and cafeteria, as well as at Office Depot, AT&T, Verizon, and sprint
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Medical Center Clinic benefits and perks, including insurance benefits, retirement benefits, and vacation policy. Reported anonymously by Medical Center Clinic employees.

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Medical Center Clinic Employee Benefits and Perks | Glassdoor

User ID and password can be used to gain access
New users can register for online account access
Online login credential recovery help is available
Any company that wants to be taken seriously should have an easy way for its employees to gain online access to benefit information.  With that being said, it appears that AT&T employees have no reason not to take their employer seriously (as far as benefit access is concerned at least) thanks to the AT&T Benefits Center.  Employees who require online access to benefit information can begin by entering a User ID and account password before hitting the Log On button to sign into the AT&T Benefits Center.  Those who havent yet gotten around to signing up for online benefit access can begin the registration process by entering the last 4 digits of a Social Security Number along with a date of birth (dont worry about spelling out the DOB as a handy drop down box is provided!).  It is important to point out that the old
of using a Social Security Number to login is no longer available due to security reasons.
Wait, what in the world does AON have to do with my benefits?
Employers work with Aon Hewitt to develop customized employee benefit plans
Aon Hewitts Health and Benefits team boasts 90 locations throughout the world
Has a portfolio of over 5,000 clients in both the private and public sectors (WOW!)
Global headquarters is located at 122 Leadenhall Street, London England EC3V 4AN
Employees who have forgotten one or both pieces of their login credentials can begin the account recovery process by clicking the link posted beneath the login fields and entering the last 4 digits of a Social Security Number and date of birth.  Those who wish to leave a few thoughts on their experience with the AT&T Benefits Center can do so by clicking the Feedback link to complete the brief online survey (a quick opinion can go a long way towards receiving better results in the future).  Employees with questions or concerns that need a direct response can try reaching out to a benefits re

AT&T Benefits Center User ID and password can be used to gain access New users can register for online account access Online login credential recovery help is available Any company that wants to be taken seriously should have an easy way for its employees to gain online access to benefit information. With that being said, 

paralegaloccupation

www.att.com/benefitscenter - Employee Login AT&T Benefits Center - paralegal occupation

Click Here.
An Employee Benefit Center is an online employee benefits handbook.  The technology behind an EBC simplifies many time-consuming tasks for HR staffs, improves employee communications, and saves time, money and energy.  It also assists HR Departments in communicating the value of one's benefits on a consistent basis.  It's easy to use, always up-to-date, and available 24/7.
In addition to your benefits, this service has many other features including:  Wellness Manager, medical encyclopedia, drug interaction checker, chronic care guide and much more.
To view the actual site, click on the following link:
.  A screen will appear.  At this screen, to successfully sign in, please enter the following:
Username:  Obion BOE
Password:  benefits
Please note the Guidelines for system use.  Adobe Acrobat Reader is required to view various forms, certificates and summaries.  Please click on the link to download the latest version.
User login

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Employee Benefits Center | Obion County Schools

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John Marshall Law School Center for Employee Benefits Profile | West Virginia Record

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John Marshall Law School Center for Employee Benefits Profile | SE Texas Record

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John Marshall Law School Center for Employee Benefits Profile | Pennsylvania Record

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John Marshall Law School Center for Employee Benefits Profile | Northern California Record

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John Marshall Law School Center for Employee Benefits Profile | Madison - St. Clair Record

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John Marshall Law School Center for Employee Benefits Profile | Louisiana Record

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John Marshall Law School Center for Employee Benefits Profile | Legal Newsline

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John Marshall Law School Center for Employee Benefits Profile | Florida Record

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Client Login - RCM Alternatives

Meridian provides medical management software, revenue cycle management software, medical billing management and healthcare coding, VertexDr Training Portal

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Medical Management Software - Revenue Cycle Management Software - Login

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Availity provides Hospital Revenue Cycle Management solutionsfor the unique business challenges faced by hospitals. Contact Availity to learn more!

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Hospital Revenue Cycle Management Solutions - Availity

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A small hospital outside of Pittsburgh has not paid its employees in more than two weeks because of a significant backlog in accounts receivable collections that is being rectified, according to the chief executive of the hospitals parent company.  Ellwood City Hospital did not pay its employees on December 21 

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RCM Archives - AccountsRecovery.net

ClearBalance Consumerism Study Finds Patients Seek Affordable Healthcare Financing
SAN DIEGO, Sept. 14, 2016  Healthcare is a big-ticket expense that requires long-term financing, according to 91 percent of patients/consumers responding to the ClearBalance Healthcare Consumerism study. Now in its second year, the Healthcare Consumerism study measures awareness, satisfaction and loyalty with the ClearBalance consumer-friendly loan program. It also measures patients use of the program and 

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Revenue Cycle Management | ClearBalance

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I cringe every time I hear the phrase theres more than one way to skin a cat. First, who would do such a thing and why would they ever do it? The underlying truth remains that there are usually multiple methods to accomplish a task. The Vedic Science principle of...
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Reliability Centered Maintenance (RCM) Archives | Tennessee Aircraft Services, Inc.

RCM, or Revenue Cycle Management, is a popular buzzword these days among doctors and medical office administrators. So what is Revenue Cycle Management, and do you really need it? In realistic terms, it simply means How quickly can we get from the doctor saying Goodbye to a patient, to payment being received. So RCM includes:

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Revenue Cycle Management - Fidelity Creditor Service

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Revenue Cycle Management
The Revenue Process is an eight step process with documented goals, objectives, audit points and written policy and procedures used to organize a healthcare providers revenue management responsibilities. Each step includes key attributes and elements necessary to operate a strong and stable workflow through standardized and consistent account activities. This methodical foundation built around industry and specialty specific best practices minimizes the cost of collections, maximizes income for a practice and maintains a non-outsourced experience for the patient.
The Revenue Process
To maintain a unified, strong and stable infrastructure for the Revenue Process
Minimize the cost of collections and maximize reimbursements
Standardize patient account billing and follow-up activities having identified lines of accountability with consistent processes generating performance success
Provide a single contact point with a system empowered for patient satisfaction
Allow for frequent and clear communications within the infrastructure developed allowing for customer satisfaction
Recognize that customers are patients, healthcare providers, employees and payer organizations
Develop and apply consistent standards throughout our partnered practices to foster data integrity
The Revenue Process

The Revenue Process is an multi-step process with documented goals, objectives, audit points and written policy and procedures. By understanding that one step is not more than important than any other, and completing each equals a greater end result, Healthcare Revenue Group can get your practice to maximum revenue.

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HRG understands & fulfills Revenue Cycle Management to perfection so your practice achieves maximum revenue

Origin and meaning of equator by Online Etymology Dictionarylate 14c., from Medieval Latin aequator (diei et noctis) "equalizer (of day and night)," agent noun from Latin aequare "make equal" (see equate). When the sun is on the celestial equator, twice annually, day and night are of equal length. Sense of "celestial equator" is earliest, extension to "terrestrial line midway between the poles" first recorded in English 1610s.

Meaning: "equalizer (of day and night)," agent noun from Latin aequare "make equal" (see equate). When the sun is on the celestial See more definitions.

etymonline

equator | Origin and meaning of equator by Online Etymology Dictionary

 Saltar a navegacin, bsqueda Equator S Equator S Organizacin Instituto Max Planck de Fsica Extraterrestre Estado Inactivo  
Wikipedia Espaol
Equator
 E*qua tor, n. [L. aequator one who equalizes: cf. F. [ e]quateur equator. See {Equate}.] 1. (Geog.) The imaginary great circle on the earth s surface, everywhere equally distant from the two poles, and dividing the earth s surface into two  
The Collaborative International Dictionary of English
equator
 late 14c., from M.L. aequator diei et noctis equalizer of day and night (when the sun is on the celestial equator, twice annually, day and night are of equal length), agent noun from L. aequare make equal (see EQUATE (Cf. equate)). Sense of  
Etymology dictionary
equator
 [ kwtr, ikwtr] n. [ME &LT; ML &LT; LL aequator, lit., one who makes equal: see EQUATE] 1. an imaginary circle around the earth, equally distant at all points from both the North and South Poles: it divides the earth s surface into the  
English World dictionary
 EQUATR s.n. v. ecuator. Trimis de LauraGellner, 13.09.2007. Sursa: DN  
Dicionar Romn
 Eqator, Equatour m. l Equateur  
Diccionari Personau e Evolutiu
  NOUN  a notional line around the earth equidistant from the poles, dividing the earth into northern and southern hemispheres. ORIGIN Latin aequator, in the phrase circulus aequator diei et noctis circle equalizing day and night  
English terms dictionary
 For other uses, see Equator (disambiguation). 0 Equator  
Wikipedia
equator
 /i kway teuhr/, n. 1. the great circle on a sphere or heavenly body whose plane is perpendicular to the axis, equidistant everywhere from the two poles of the sphere or heavenly body. 2. the great circle of the earth that is equidistant from the  
Universalium
 Infobox TV channel name = Equator HD logofile = Equator HD.png logoalt = logosize = launch = 2004 closed date = picture format = network = owner = Rainbow Media slogan = country = United States broadca

noun VERB + EQUATOR  cross  straddle PREPOSITION  around theequator  Rainforests occur around the equator

enacademic

equator

Equator Launches Mortgage-Servicing Blockchain Solution
November 15, 2018
Equator, a provider of residential loan default software and marketing solutions for many of the countrys top servicers, real estate agents, and vendors, has announced an agreement with Factom, Inc. to integrate the Factom Harmony blockchain-as-a-service platform into the Equator PRO solution.
How Blockchain is Bringing Technology Conversations Back in Lending
April 17, 2018
James Vinci, VP & CTO, Equator on why blockchain presents a lot of opportunity for an evolving lending landscape and how using intuitive technology can help mortgage professionals ease the borrowing experience for homebuyers.
Carrington, Equator Partner on Rental Property Management Software
April 19, 2013
Carrington Technology Solutions, LLC and Equator Business Solutions announced the commercial availability of RentPointe, Carrington's proprietary software application designed to meet the complexities of managing diverse portfolios of single-family rental properties.
Carrington, Equator Team Up to Provide Rental Asset Solution
February 20, 2013
Carrington Technology Solutions, LLC (Carrington) and Equator, a default servicing technology provider, teamed up to provide financial institutions, institutional investors, and large-scale property management companies with a single-family asset management suite created to  maximize the performance of multiple-property portfolios.
Quality Assurance Expert Joins Equator
November 19, 2012
Equator, a Los Angeles-based default servicing technology provider, hired Sevak Markarian as the company's new VP of quality assurance (QA). Markarian has more than a decade of experience in the field of information technology and has held management-level positions in QA and process improvement for more than 10 years.

Your trusted source for mortgage banking news

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Equator Archives - theMReport.com

Equator is prepping for the 2012 launch of a new software system called REvolution that allows real estate agents to manage distressed and traditional properties from a single platform. The company said the software gives agents enough flexibility to automate their daily workflow cycles from a single portal, removing the need for agents to employ more than one software system to handle various asset types and sales functions.

housingwire

Equator develops agent software to handle distressed, nondistressed assets

Bitium provides Equator - Agent single sign on (SSO), BambooHR and active directory integration for your small and medium businesses. Sync with BambooHR, AD,

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Equator - Agent BambooHR Integration - Connect Equator - Agent with

Has anyone paid to use this? Is anyone getting any listings from this? It seems to me most lenders using equator already have an agent network so getting a l

ning

Equator Agent Elite - REOPro Default Professionals

NationalMortgag...
Equator, a provider of software to the default servicing industry has announced the launch of its new professional real estate-owned (REO) solution. PRO REO encompasses all the power and best practices of Equators enterprise REO application in an affordable, quick and easy to adopt solution. Equator has long been the standard for many of the nations largest lenders and servicers. PRO REO is a resounding entry into the middle market.
Now Outsourcers and Servicers can be up and running in less than a day, said Chris Saitta, chief executive officer of Equator. They receive all the benefits of our best-practices along with the ability to immediately transact with over 665,000 agents and 18,000 vendors electronically.
Foreclosure moratoriums have lifted and the REO industry is preparing for increased volumes. Many of the Sellers adopting PRO REO are converting from existing systems to gain the efficiency and scalability theyll need to handle post moratorium REO volumes, said Saitta.   Sellers also gain the potential to establish Midsourcer relationships with the large lenders and servicers using Equator.
Over 58 servicers nationwide, including seven of the top 10, rely daily on Equators platform to automate their various loss mitigation strategies. By launching REO PRO, Equator has made definite in roads into the middle market.
For more information, visit

Equator, a provider of software to the default servicing industry has announced the launch of its new professional real estate-owned (REO)solution. PRO REO encompasses all the power and best practices of Equators enterprise REO application in an affordable, quick and easy to adopt solution. Equator has long been the standard for many of the nations largest lenders and servicers. PRO REO is a resounding entry into the middle market.

nationalmortgageprofessional

Equator launches PRO REO

Equator, an Altisource business unit and a leading provider of residential loan default software and marketing solutions for many of the countrys top servicers, real estate agents and vendors, today announced an agreement with Factom, Inc. to integrate the Factom Harmony blockchain-as-a-service (BaaS) platform into the Equator PRO solution.

altisource

Altisource - Equator Launches Mortgage Servicing Blockchain Solution

17 December 2018
Summer in Cape Town
There is no doubt that South Africa is one of the most sought after destinations for international students in the world.
Located south of the Equator, Cape Town is a vibrant city, surrounded by breath taking landmarks and amazing natural beauty.
It is not surprising that the city has recently been voted the
worlds greatest city to visit!

Our school in Cape Town
is conveniently located just a few minutes walk to the seafront, close to the citys most popular attractions. The school offers an all-in-one campus setting, where students can benefit from staying on campus, enjoying the schools fantastic facilities and location while learning a new language.
Our students are currently making the best of the summer season, taking part in numerous activities and seeing the best that the city has to offer.
To learn more about LAL Cape Town and the courses offered, please download our

There is no doubt that South Africa is one of the most sought after destinations for international students in the world. Located south of the Equator, Cape Town is a vibrant city, surrounded by br

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Summer in Cape Town     :    LAL Agents Area

Factom, Inc.
to integrate the Factom Harmony blockchain-as-a-service (BaaS) platform into the Equator PRO solution.
Equator PRO is a software-as-a-service (SaaS) solution that helps servicers increase efficiency and vendor oversight across the default servicing process. Designed for all portfolio sizes, the Equator PRO product suite of loan management, loan modification, short sale/deed-in-lieu, foreclosure/bankruptcy, and real-estate-owned (REO) focused products, provides servicers with tools to help manage defaulted loans and REO and make more strategic and cost-efficient default servicing decisions.
Factoms Harmony BaaS platform harnesses the power of
blockchain
to create an immutable record of activities, data, events, and decisions. Factoms blockchain solutions will provide a distributed mechanism to preserve data, files, and digital records, making them verifiable and independently auditable.
Equator is committed to delivering technology that provides transparency and compliance throughout the default process, said Patrick G. McClain, SVP of Equator and
Hubzu Auction Services
for Altisource. Incorporating Factoms blockchain tools will support our customers compliance obligations. At Equator, we are regularly working to improve and advance our default servicing technology, and adding cutting-edge tools like Factoms Harmony is another example of our continued leadership.
The addition of Factoms Harmony provides Equator customers the opportunity to incorporate the recordation of data, documents, and key audit events onto Factoms blockchain solution. Factoms Harmony provides options for individual loans to be tracked as individual chains of data on the blockchain. This design allows Equator PRO customers the option to embed blockchain preservation into their various workflows, allowing for an immutable and encrypted blockchain audit record to be built for each loan and each workflow step.
At Factom we know a practical blockchain solution is needed to specifically deal with complex business data and

Equator, a provider of residential loan default software and marketing solutions for many of the countrys top servicers, real estate agents, and vendors, has announced an agreement with Factom, Inc. to integrate the Factom Harmony blockchain-as-a-service platform into the Equator PRO solution.

Equator Launches Mortgage-Servicing Blockchain Solution - theMReport.com

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Author:                      Anthony Richardson
(MENAFN - The Conversation)  The tropical water at the equator is renowned for having the richest diversity of marine life on Earth, with vibrant coral reefs and large aggregations of tunas, sea turtles, manta rays and whale sharks. The number of marine species naturally tapers off as you head towards the poles.
Ecologists have assumed this global pattern has remained stable over recent centuries  until now. Our recent study found the ocean around the equator has already become too hot for many species to survive, and that global warming is responsible.
This story is part of Oceans 21
Our series on the global ocean opened with five in-depth profiles . Look out for new articles on the state of our oceans in the lead-up to the UN's next climate conference, COP26. The series is brought to you by The Conversation's international network.
In other words, the global pattern is rapidly changing. And as species flee to cooler water towards the poles, it's likely to have profound implications for marine ecosystems and human livelihoods. When the same thing happened 252 million years ago, 90% of all marine species died.
The bell curve is warping dangerously
This global pattern  where the number of species starts lower at the poles and peaks at the equator  results in a bell-shaped gradient of species richness. We looked at distribution records for nearly 50,000 marine species collected since 1955 and found a growing dip over time in this bell shape.
If you look at each line in this chart, you can see a slight dip in total species richness between 1955 and 1974. This deepens substantially in the following decades. Anthony Richardson, Author provided
So, as our oceans warm, species have tracked their preferred temperatures by moving towards the poles. Although the warming at the equator of 0.6 over the past 50 years is relatively modest compared with warming at higher latitudes, tropical species have to move further to remain in their thermal niche compared with species elsewhere.
As ocean warming has accelerated over recent decades due to climate change, the dip around at the equator has deepened.
We predicted such a change five years ago using a modelling approach, and now we have observational evidence.
For each of the 10 major groups of species we studied (including pelagic fish, reef fish and molluscs) that live in the water or on the seafloor, their richness either plateaued or declined slightly at latitudes with mean annual sea-surface temperatures above 20.
Read more: The ocean is becoming more stable  here's why that might not be a good thing
Today, species richness is greatest in the northern hemisphere in latitudes around 30N (off southern China and Mexico) and in the south around 20S (off northern Australia and southern Brazil).
This has happened before
We shouldn't be surprised global biodiversity has responded so rapidly to global warming. This has happened before, and with dramatic consequences.
252 million years ago
At the end of the Permian geological period about 252 million years ago, global temperatures warmed by 10 over 30,000-60,000 years as a result of greenhouse gas emissions from volcano eruptions in Siberia.
A 2020 study of the fossils from that time shows the pronounced peak in biodiversity at the equator flattened and spread. During this mammoth rearranging of global biodiversity, 90% of all marine species were killed.
125,000 years ago
A 2012 study showed that more recently, during the rapid warming around 125,000 years ago, there was a similar swift movement of reef corals away from the tropics, as documented in the fossil record. The result was a pattern similar to the one we describe, although there was no associated mass extinction.
Authors of the study suggested their results might foreshadow the effects of our current global warming, ominously warning there could be mass extinctions in the near future as species move into the subtropics, where they might struggle to compete and adapt.
Today
During the last ice age , which ended around 15,000 years ago, the richness of forams (a type of hard-shelled, single-celled plankton) peaked at the equator and has been dropping there ever since. This is significant as plankton is a keystone species in the foodweb.
Our study shows that decline has accelerated in recent decades due to human-driven climate change.
The profound implications
Losing species in tropical ecosystems means ecological resilience to environmental changes is reduced, potentially compromising ecosystem persistence.
In subtropical ecosystems, species richness is increasing. This means there'll be species invaders, novel predator-prey interactions, and new competitive relationships. For example, tropical fish moving into Sydney Harbour compete with temperate species for food and habitat.
This could result in ecosystem collapse  as was seen at the boundary between the Permian and Triassic periods  in which species go extinct and ecosystem services (such as food supplies) are permanently altered.
In Indonesia, the fishing industry is one of the largest contributors to the economy. EPA/HOTLI SIMANJUNTAK
The changes we describe will also have profound implications for human livelihoods. For example, many tropical island nations depend on the revenue from tuna fishing fleets through the selling of licenses in their territorial waters. Highly mobile tuna species are likely to move rapidly toward the subtropics, potentially beyond sovereign waters of island nations.
Read more: Tropical fisheries: does limiting international trade protect local people and marine life?
Similarly, many reef species important for artisanal fishers  and highly mobile megafauna such as whale sharks, manta rays and sea turtles that support tourism  are also likely to move toward the subtropics.
The movement of commercial and artisanal fish and marine megafauna could compromise the ability of tropical nations to meet the Sustainable Development Goals concerning zero hunger and marine life.
Is there anything we can do?
One pathway is laid out in the Paris Climate Accords and involves aggressively reducing our emissions. Other opportunities are also emerging that could help safeguard biodiversity and hopefully minimise the worst impacts of it shifting away from the equator.
Currently 2.7% of the ocean is conserved in fully or highly protected reserves . This is well short of the 10% target by 2020 under the UN Convention on Biological Diversity.
Manta rays and other marine megafauna leaving the equator will have a huge impact on tourism. Shutterstock
But a group of 41 nations is pushing to set a new target of protecting 30% of the ocean by 2030.
This '30 by 30' target could ban seafloor mining and remove fishing in reserves that can destroy habitats and release as much carbon dioxide as global aviation . These measures would remove pressures on biodiversity and promote ecological resilience.
Designing climate-smart reserves could further pr

The tropical water at the equator is renowned for having the richest diversity of marine life on Earth, with vibrant coral reefs and large aggregations of tunas, sea turtles, manta rays and whale sharks. The number of marine species naturally tapers off as you head towards the poles. 
Ecologists have assumed this global pattern has remained stable o

menafn

Marine life is fleeing the equator to cooler waters. History tells us this could trigger a mass extinction event
    | MENAFN.COM

)     recently revealed its upcoming 2021 Equator three-row SUV via official images. The model has been developed under Fords joint venture with Jiangling Motors Corporation and is set to hit the markets in China in the upcoming months.
Key Features of the Ford Equator
The Ford Equator measures 4,905 mm in length, 1930 mm in width and 1,735 mm in height with a wheelbase of 2,865 mm.
The exteriors of the new Equator have a slightly different look with split headlamp setup and wide taillamps. Some of its other key features include well-defined wheel arches with black plastic cladding, prominent shoulder lines, chromed window line, interconnected LED taillamp and twin exhaust pipes. It also features an Equator branding.
Inside, the 2021 Ford Equator has Mercedes-Benz inspired dual screens measuring 12.3-inches with 6-seats layout having individual armrests for the second row seats. It has a dual-pane sunroof, TAI 3.0 connected car technology and Advanced Driver Assistance System (ADAS).
Official engine details of the SUV have not yet been disclosed but it is likely to be equipped with a 2.0L turbocharged petrol motor.
Ford Curtails Production Amid Semiconductor Supply Deficit
Ford recently announced that a global shortage of semiconductor chips along with unavailability of certain parts in the United States due to winter storms is forcing it to cancel shifts at two plants and build F-150 pickups and Edge SUVs without certain parts.
Reportedly, Ford will idle its Ohio assembly plant this week, while its Kentucky Truck Plant in Louisville will only work two of three shifts. Both plants will resume full production in the week of Mar 29.
Moreover, the Detroit-based automaker plans to complete the production of the hot-selling F-150 and Edge models in few weeks time when the parts, including some electronic components with semiconductors, are available. Thousands of vehicles are expected to be impacted due to the global shortage of semiconductors. 
In fact, Ford predicts that chip shortage could hit its 2021 EBIT to the tune of $1-$2.5 billion.
When the pandemic hit the economy, the auto sector bore severe brunt of the crisis, with auto sales hitting rock bottom in second-quarter 2020. Amid the tanking auto sales, semiconductor manufacturers shifted their production capacities to other sectors such as consumer electronics.
Nonetheless, with the global economy gradually recovering from the mayhem caused by the pandemic, auto sales managed to rebound faster than anticipated. However, semiconductor makers have not been able to meet the surging demand for automotive semiconductors and will take months to realign production to cater to this upswing in demand. This led to a global shortage of semiconductors in the auto sector, which might dent automotive sales.

Amid this gloomy scenario, the entire auto sector is feeling the heat of the deficit of semiconductors. In fact, U.S. auto giant General Motors (
GM Quick Quote

Ford (F) predicts that chip shortage will hit its 2021 EBIT to the tune of $1-$2.5 billion.

zacks

Ford (F) Reveals Features of 2021 Equator, Battles Chip Crunch - March 22, 2021 - Zacks.com

Mar 15, 2021 / 03:24 PM EDT
/
Updated:
Mar 15, 2021 / 03:24 PM EDT
GRAND RAPIDS, Mich. (WOOD)  At the end of this week, the sun will cross the celestial equator from south to north and the spring season will begin.
The vernal equinox will occur on March 20 at 5:37 a.m. At the time of the equinox, the sun shines directly on the equator. Daylight hours and nighttime hours are nearly equal in both the northern and southern hemisphere.
In the days surrounding an equinox, we see the fastest sunrises and sunsets. This is due to the angle at which the sun sinks beneath the horizon.
The sun sets most directly in the west and rises most directly in the east during an equinox, which means the sun hits the horizon at the steepest possible angle. From our perspective, the sun takes a shorter amount of time to sink beneath the horizon or rise above it.
If youre outside during the evening this week, try to catch a glimpse of Mars, the moon and the Pleiades star cluster. The three will be close together on March 18-20.
On March 18, the moon will be just below the Pleiades star cluster. The moon will be just to the left of Mars on March 19, and above the red planet and the star cluster on March 20.
The waxing moon should help identify Mars and the Pleiades easily enough, but Orions belt will also point in the direction you want to look.
To check it out, look to the west during the evening.
Copyright 2021 Nexstar Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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At the end of this week, the sun will cross the celestial equator from south to north and the spring season will begin.

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Watching the Skies: Sun to cross equator for start of spring | WOODTV.com

shorter day/night 4 billion years ago
and when moon formed it was nearer
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For example...2000 yrs ago..is the equator on the same spot as today? Has any studies been done on it? Just wondering if our land has ever experienced

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Does the equator move over time? Or is it a static strip? - www.hardwarezone.com.sg

Harrisburg hotter than the equator
Posted Jul 21, 2019
Today will be hot with an excessive heat warning in effect until 8 p.m., but the high of 97 is still a few degrees shy of the record set in 2011. (AccuWeather.com).
By
Its 87 in Miami. Houston is 89 degrees.
And in Quito, Ecuador, located right on the equator, the high temperature will reach 68 today,
according to The Weather Channel.
Harrisburg is hotter than all of those places.
The good news is were not as hot as Death Valley, which The Weather Channel says can expect a high of 116.
But Harrisburg can expect a near-record high of 97. Thats just shy of the thermometer-popping 101 set back in 2011. And with the heat index value, today will feel as if its 110, prompting an excessive heat warning, which remains in effect until 8 p.m.
Experts recommend rescheduling outdoor, strenuous activities, drinking plenty of water and checking on the elderly, the sick and those without air conditioning.
Scattered showers and thunderstorms are also in store today after 2 p.m.
The good news is some relief is on the way Monday, though along with the cooler temperatures, we can expect plenty of rain and some potentially-severe thunderstorms.
A cold front moving in from the Midwest will reach us by Monday, dropping the high temperature to 84 and the low at night to a comfortable 65. But with all of the moisture in the atmosphere, occasional showers and thunderstorms can be expected through Monday with potentially heavy downpours and the possibility for flash flooding.
Tuesday will see a 30 percent chance of showers before 2 p.m., and will be mostly cloudy with a high of 80 and a low of 61.
Wednesday will be sunny with a high of 81 and a low of 60.
Thursday will be sunny with a high near 83 and a low around 62.
Friday is expected to be sunny with a high of 86 and a low of 64.
And Saturday should be sunny with a high near 87.
Visit
for your latest weather updates.
You can see live weather updates via the National Weather Service and other Twitter sources below.
Tweet us at

Quito, Ecuador, located on the equator, will only see a high temperature today of 68. Harrisburg is expected to reach 97 with a heat index up to 110.

pennlive

Harrisburg hotter than the equator - pennlive.com

Air Force Reserve Recruiting Service
is now signed and published with an effective date of June 14. The partnership will bolster effectiveness and combine strategies.
As part of the association, AFRC Recruiting Service has officially aligned its four recruiting squadrons to become the 367th Recruiting Group. The 367th RCG is now the fourth group under the AFRS umbrella.
I am beyond proud to lead this team as our re-designation is now official, said
Col. Timothy Martz
, 367th RCG commander. This is a historic milestone in support of integrated total force recruiting for our United States Air Force. In 2019, we began the process of forging a strong classic recruiting association between the regular Air Force and the Air Force Reserve. The official order standing up the 367th Recruiting Group signals that we are approaching mission complete with regard to Reserve organizational transformation in support of the total force.
Since 2017, AFRS has been working toward integrating all of its recruiting functions. The goal is for all of the recruiting organizations  regular Air Force,
Air National Guard
, Air Force Reserve Air Force Academyadmissions, Air Force Civilian Service and Air Force ROTC  to integrate strategies and activities to present a unified total-force presence in each recruiting market.
The standup of the 367th RCG is the culmination of much hard work done over a period of years to meld the recruiting organizations of each Air Force component into a viable and fully integrated recruiting force, said
Brig. Gen. Derin Durham
, AFRS deputy commander. The recruiting unity of effort that can be attained by consolidating the marketing and operations functions under one commander will serve the Air Force and Space Force well.
In addition to adding the group, Reserve personnel are integrated at AFRS headquarters in key leadership positions and within divisions with key staff areas.
A great deal of effort went into this action, especially the integration of key personnel at Headquarters, Air Force Recruiting Service, Martz said. Thank you to all who helped make this happen. We are now working seamlessly with all components and accession sources to inspire, engage and recruit for our United States Air Force.
The Air Force is taking an enterprise approach to recruiting the nations best to improve talent acquisition and operational effectiveness.
We strive to effectively tell the Air Force story and offer that potential life to those few who aspire to do more for their country and their families, so no matter active duty, Guard or Reservein or out of uniform, officer, enlisted or civilian; we want this next generation on the Air Force team in whatever component or capacity serves the nation and the individual the best, Durham said. One size does not fit all, and many Airmen find that as life unfolds and change happens they will also change from one component and/or status to another, that general awareness of all the different ways to serve.
/U.S. Air Force Release. View in full here
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Air Force Recruiting Service continues to forge ahead with total force recruiting. The order to form a classic associate partnership with AFRS and Air...

miragenews

U.S. Air Force Recruiting Service classic association with Reserve now operational | Mirage News

conducted a flyover across the entire state
, similarly paying tribute to frontline workers during the coronavirus pandemic.
Two wings of the New Jersey Air National Guard began along the Jersey Shore and covered notable COVID-19 locations across the state such as testing sites and hospitals.
The South Jersey portion of that flight included Jefferson Cherry Hill Hospital and the states temporary hospital at the Atlantic City Convention Center.
Residents, staff, and New Jersey National Guard Airmen watch as three F-16 Fighting Falcons with the 177th Fighter Wing, New Jersey Air National Guard, fly over the New Jersey Veterans Memorial Home at Vineland, Vineland, N.J., May 12, 2020. Video by Tech. Sgt. Richard Hudman

The Air Force Reserves 514th Air Mobility Wing at Joint Base McGuire-Dix-Lakehurst conducted a Freedom Wing Flyover honoring healthcare workers, first responders, and other essential personnel who are on the frontlines of the COVID-19 outbreak in Burlington and Camden counties.

phillyvoice

Air Force Reserve honors healthcare workers in Burlington, Camden counties with flyover | PhillyVoice

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Army Reserve Benefits
2. VA Home Loans
The US Department of Veterans Affairs, better known as VA, provides benefits to those who have served and reserve members are not excluded from receiving some of these benefits.
VA Home Loans help service members and veterans purchase, build, retain, adapt, or repair a home.
The home loans are not actually provided through the VA, but are provided through private lenders, (banks, mortgage companies, credit unions, etc).
The VA will guarantee a portion of the loan.
This allows individuals to receive lower payments, lower interest rates or other terms in their favor.
The types of loans include:
Purchase Loans- Purchase a home with a lower interest rate, no down payment or private mortgage insurance
Cash Out Refinance Loan-Take cash out of your home equity
Interest Rate Reduction Refinance Loan (IRRRL)- Get a lower rate by refinancing a current VA loan
Native American Direct Loan (NADL) Program- Assistance for Native American Veterans for building, repairing, or improving homes on Federal Trust Land
Adapted Housing Grant- For veterans with permanent and total service-connected disabilities to purchase or modify a home to meet disability needs
For reserve members to qualify they must have a minimum of 6 years of service in the Selected Reserve, serve for 90 or more days on active duty during wartime or be discharged or released from active duty for a service-connected disability.
Other eligibility terms may apply. Find more information here
3. Retirement
Air Force Reserve Chief Mast Sgt. Steven Larwood resented with a certificate of retirement. Air Force Reserve members can retire after 20 qualifying years of service. Image:
Even though Reservist work part-time, (unless called to active duty), they still qualify for retirement.
Reserve members qualify for retirement after 20 qualifying years.
For Air Force Reserve retirement, the last six years have to be a creditable Reserve service.
A qualifying year is based on retirement points.
Reservist earn four points for a weekend drill and one point per a day during active-duty two week annual training, for a total of 62 points.
A qualifying year for retirement is 50 points.
Currently there are four retirement systems and the Date of Initial Entry into Uniformed Service (DIEUS) is how to determine which plan you fall under.
To determine retirement pay for reservist, you must first calculate the number of years by taking the total number of retirement points and dividing by 360.
Monthly Payments= base pay x number of years x 2.5%
Exact amounts vary based on the initial date of entry and the retirement system this places you into.
Most cannot receive their first retirement check until age 60.
For more information on calculating retirement pay and how to get retirement benefits early, visit the VA website

The Air Force Reserves component offers benefits that can help you make an informed decision on joining. Read for five benefits offered to AF Reservist.

operationmilitarykids

Air Force Reserve Benefits: 5 Pros Of Joining The Reserves

helicopter crash in Iraq
, March 15, 2018.
Both men were assigned to the 308th Rescue Squadron at Patrick Air Force Base, Florida. The squadron of elite Guardian Angel Airmen serve as highly trained rescue specialists, on and off the battlefield, providing life-saving trauma care and search and rescue as part of the 920th Rescue Wing  one of the most deployed units in the
Air Force Reserve
Command (AFRC) .
Also lost are: Capt. Mark K. Weber, 29, of Colorado Springs, Colorado. He was assigned to the 38th Rescue Squadron at Moody Air Force Base, Georgia. Capt. Andreas B. OKeeffe, 37, of Center Moriches, New York; Capt. Christopher T. Zanetis, 37, of Long Island City, New York; Master Sgt. Christopher J. Raguso, 39, of Commack, New York; Staff Sgt. Dashan J. Briggs, 30, of Port Jefferson Station, New York. All four were assigned to the 106th Rescue Wing at the Francis S. Gabreski Air National Guard Base, New York.
It is with a heavy heart that I send you this message, said Col. Kurt Matthews, 920th RQW commander, in an email Friday morning announcing the loss to his wing of approximately 2,000 Reserve Airmen. I am asking that the 920th Rescue Wing take an operational pause in honor of our lost brothers.
The men died while traveling in an HH-60G Pave Hawk Helicopter when it crashed. All personnel aboard were killed in the crash. The crash did not appear to be a result of enemy activity; however, the cause of the accident is under investigation.
An accompanying U.S. helicopter immediately reported the crash and a quick reaction force comprised of Iraqi Security Forces and coalition members secured the scene.
Enis and Posch were both serving in combat roles like they have on multiple overseas deployments during their Air Force careers.
Posch, an Indialantic, Florida, resident, was part of a long-range rescue mission at sea to save two German sailors whose sailboat caught fire and sunk in July 2017. A month later, he assisted on many rescues in Texas during the aftermath of Hurricane Harvey. He had 18 years of ser

Two Air Force Reserve pararescuemen, Master Sgt. William Posch, 36 and Staff Sgt. Carl Enis, 31, are among the seven Airmen killed in a helicopter crash in Iraq

defpost

Two U.S. Air Force Reserve Pararescuemen Among 7 Airmen Killed in Iraq Helicopter Crash  DefPost

ATLANTA  For North Carolina A&T and Alcorn State, the second meeting between the two teams in the Air Force Reserve Celebration Bowl came down to a two-point conversion catch that wasnt a catch.

tackleo

N.C. A&T holds on to win 2nd straight Air Force Reserve Celebration Bowl title

By Master Sgt. James Branch, 94th Airlift Wing Public Affairs/ Published December 19, 2018 ATLANTA After a year break, the Air Force Reserve returned as the title sponsor of the fourth annual Air Force Reserve Celebration Bowl, the championship game for Historically Black College and University football. The North Carolina A&amp;T State University Aggies, Mid-Eastern &hellip;

thecelebrationbowl

Air Force Reserve Returns as Title Sponsor of the 2018 Celebration Bowl - Celebration Bowl

ATLANTA  The second invitation to the fourth annual Air Force Reserve Celebration Bowl  to be played on Saturday, Dec. 15, at noon ET from Mercedes-Benz Stadium in Atlanta and aired live on ABC  has been extended to the Southwestern Athletic Conference (SWAC) college football champion, Alcorn State University. The Alcorn Braves defeated &hellip;

Alcorn State University Heads to the Air Force Reserve Celebration Bowl for the Second Time - Celebration Bowl

The President of the United States of America, authorized by Title 10, Section 8742, United States Code, takes pride in presenting the Air Force Cross (Posthumously) to Captain Ralph Wayne Brower (AFSN: 0-3109303), United States Air Force (Reserve), for extraordinary heroism in connection with military operations against an opposing armed force as an HH-3E pilot  Continue reading 9 November 1967: Air Force Cross, Captain Ralph Wayne Brower, United States Air Force Reserve 

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9 November 1967: Air Force Cross, Captain Ralph Wayne Brower, United States Air Force Reserve - This Day in Aviation

ATLANTA  The Celebration Bowl announced today that the Air Force Reserve has renewed its title sponsorship of the game. Operated by ESPN Events, the fourth annual Air Force Reserve Celebration Bowl is a championship-style game between the division champions of the Mid-Eastern Athletic Conference (MEAC) and the Southwestern Athletic Conference (SWAC). The game will &hellip;

Air Force Reserve Renews Its Title Sponsorship of the Celebration Bowl - Celebration Bowl

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John Liang, Inside Defense, 2 Aug 2018 Air Force Maj. Gen. Richard Scobee has been nominated to become the next head of the Air Force Reserve, succeeding Lt. Gen. Maryanne Miller, the Pentagon announced this week. If confirmed by the Senate, Scobee would also be promoted to lieutenant general and become the head of Air []

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Scobee nominated to become next head of Air Force Reserve  21st Century Partnership

An Air Force Reserves recruit suddenly found herself without income after she was fired from her job because of a racist video she uploaded online. The 20-year-old Tabitha Duncan claimed she

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Do you work at McD? Then, you need to access McDonalds employee portal at Accessmcd. You can see McD login steps in this article. Happy reading.