How to upgrade your ATMs to EMV and stay in business

first_imgby: Bob SilkerWith liability shifts fast approaching, many independent ATM deployers (IAD) are asking: How do I upgrade my portfolio and stay in business. With estimates from Aite Group putting overall upgrade costs around $2,000-4,000 per ATM, it’s no wonder many business owners are suffering from sticker shock.But fraud costs after MasterCard’s liability shift beginning on October 1, 2016 could be far more detrimental – a whopping $50,000 per skimming incident as estimated by the U.S. Secret Service.ATM locations last to upgrade are more likely to absorb enormous amounts of fraud. It’s highly unlikely fraudsters are going to simply close up shop because ATMs begin getting EMV card readers installed on them. They will begin branching out, and with so smart phone apps available to help pinpoint an ATM anywhere in the U.S., it won’t be hard for them to find at-risk ATMs.Experts have seen similar fraud migrations happen in every other region of the world as they upgraded to chip technology. In fact, small areas, with very few ATMs, began seeing so much fraudulent traffic in Canada during the EMV migration that processors shut down those machines until they were upgraded. continue reading » 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Irreplaceable Aaron Ramsey inspires Arsenal to 2-0 win against Napoli

first_imgAaron Ramsey was Arsenal’s man of the match (Picture: Getty)Napoli better get used to the sight of Aaron Ramsey.The Juventus-bound midfielder will be a rival of the Serie A club next season when he moves to Turin on a free transfer in July.With a mouth-watering move on the horizon, it would have been easy for Ramsey to down tools but it’s a measure of his professionalism and character that he remains such a prominent part of this Arsenal side.There was long-term logic behind Arsenal’s decision to withdraw their contract offer to the Welshman but when did football become a logical sport? The decision was purely financial and barely factored in the asset that the club is losing. With every passing week and every performance the decision looks further and further away from being the right move.AdvertisementAdvertisementADVERTISEMENTThe irony is that when the club come to replacing Ramsey this summer, they’ll be searching for a midfielder with exactly his profile. Few midfielders in world football possess his engine, his ability to work box-to box or his knack for finding space in a crowded penalty area. Players of Ramsey’s quality are simply either not available or they come at a premium, something Arsenal cannot afford at this moment in time.It seems counter-productive, even factoring in Ramsey’s hefty wage demands, that the club are willing to offload a £50m+ midfielder for free and hope to replace him with someone for half the price. Comment Can Arsenal attract – or afford – a player of Ramsey’s quality this summer? (Picture: PA)Arsenal can, at least, enjoy Ramsey while he’s here and he continued his long goodbye by putting the Gunners on course of the Europa League semi-finals.Napoli, second in Serie A but 20 points behind leaders Juventus, had won just two of their last six games and their nerves were evident from the first minute against an Arsenal side with the third best home form in the Premier League.Unai Emery made five changes to the side that were beaten 1-0 so comprehensively by Everton on Sunday. In came Ramsey and Pierre-Emerick Aubameyang – who both improved the Gunners at least when they came on at Goodison Park – as well as Laurent Koscielny, Petr Cech and Lucas Torreira.Ramsey was in a midfield two with Torreira and the pair harassed the visitors from the get-go, confining Carlo Ancelotti’s side to their own half.Napoli didn’t sustain an attack until the 12th minute but as soon as they came out, they were countered and to ruthless effect.A beautiful Arsenal goal 😍Aaron Ramsey finishes off a brilliant move to put the Gunners ahead!Awesome football 🙌 pic.twitter.com/yC9NErkEQ0— Football on BT Sport (@btsportfootball) April 11, 2019Ramsey started the move by playing a one-two with Ozil and continued his run into the box when it was given out wide to Alexandre Lacazette. The Frenchman played in the overlapping Ainsley Maitland-Niles and his stretching touch played it back to Ramsey, who converted with ease.Napoli were rocking but Arsenal knew they’d need a victory of note to take to Naples given their patchy away form this term that’s seen them win just five times on the road in the Premier League.They didn’t have to wait long to double their lead, though. It came from Ramsey’s partner in crime, Torreira, when he stole possession midway inside Napoli’s half. He still had plenty to do but the Uruguayan sold Fabian Ruiz with a fantastic dummy before seeing his effort from 25 yards deflect in off Kalidou Koulibaly. Torreira’s deflected effort put Arsenal 2-0 up (Picture: AMA)Opportunities were there for Arsenal to apply a third before the break but neither Lacazette nor Aubameyang could supply the finish.AdvertisementAdvertisementNapoli had to wait for their first significant chance and it came on the cusp of half-time when Lorenzo Insigne was left free on the edge of the box but the forward blazed his effort over to ensure Arsenal kept their two-goal advantage.It was perhaps Arsenal’s best 45-minute display of the season, rivalling the second half performance in their 4-2 win against rivals Tottenham in December.Emery’s side were guilty of taking their foot off the gas after the interval. A two-goal advantage in the home leg is surprisingly precarious given its a healthy lead but the Gunners looked undecided whether to push for a third or to stick with what they had. Emery, a three-time winner of the Europa League, was happy with his side’s display (Picture: Getty)Their leaky defence means the Gunners are likely to need a goal in Italy to book their place in the final four but with Ramsey in this form they’ll have confidence they can.AdvertisementTonight was another reminder of Ramsey’s quality. He will be Arsenal’s loss and Juventus’ gain but for now he should just be enjoyed.MORE: Lionel Messi’s nasal scans come back clear after injury vs Manchester United Irreplaceable Aaron Ramsey inspires Arsenal to 2-0 win against Napolicenter_img Ancelotti will be encouraged by Napoli’s second half display (Picture: Getty)There was a golden chance for Ramsey to grab his second of the night but he skied over Henrikh Mkhitaryan’s cutback ten minutes from time. It was a rare mistake in what had been a near faultless performance.Napoli improved and should have grabbed a crucial away goal. Their best opportunity fell to Piotr Zielinski but the Pole smashed over his effort when he was rolled in by Insigne’s pass across the box.The miss summed up the Italians’ night. They bore all the hallmarks of former manager Maurizio Sarri in that they were tidy and precise in possession but they lacked a killer instinct in forward areas.There were opportunities for Arsenal to round off the victory in the dying stages but they’ll take a healthy and deserved two-goal lead to Naples. Sean KearnsThursday 11 Apr 2019 11:13 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link909Shares Advertisement Advertisementlast_img read more

Hinterland home reminiscent of a property you would find in France

first_imgGeoff and Pam Warrell pictured in their garden at their Mount Tamborine property. Picture Mike BatterhamIT looks like something from the English countryside but this cottage-like house is actually tucked away behind the Gold Coast.Pam and Geoff Warrell bought Birch Grove, on Tamborine Mountain, in 2011. Their interest in the 1.01ha property was sparked by the house’s unusual design and sprawling gardens.Just perfect! the gardens surrounding this Hamptons style cottage are something else.Like something from the English countryside.“We call it Hamptons in the country,” Mrs Warrell said.“We liked the fact it was something different and we were very impressed with the way it was built.”The four-bedroom house offers open-plan living, highlighted by a sun room and two individual lounge rooms separated by white plantation shutters.Cathedral ceilings, polished bamboo timber floors and a blend of stained and painted timber doors add to the house’s country character.Another highlight of the property is its gardens — immaculately trimmed lawns and hedges are paired with brightly coloured flowers and foliage.The property from the air.Inside is just as pretty!“When we first came there was a lot of work to do,” Mrs Warrell said.“But since then we have planted a lot of trees and plants and because it’s been mulched and we get good rain, it’s straightforward to look after.More from news02:37International architect Desmond Brooks selling luxury beach villa15 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag2 days ago“We do love spending time in the garden and we do work on it though.”For many years Birch Grove has been delighting tourists as one of the much-anticipated highlights of the Open Gardens trail at Tamborine Mountain.“It really is a garden of paradise if you look,” she said.MORE NEWS: Fashion designer selling Gold Coast villaMORE NEWS: Founder of the Fitness First renting out his beachfront mansionRelax on the patio.The dining area.The pair have reluctantly put the property on the market but plan to remain on Tamborine Mountain.“We are both in our 70s now and we just feel the house is much too big for us,” she said.Jan Pickett and Barry Chick, of Professionals Tamborine Mountain, are marketing the property.“There’s so much to enjoy in this home from well-appointed living areas both inside and out with a timeless design that is absolutely made for relaxed rural living,” Ms Pickett said.Birch Grove is on the market at offers over $1.45 million.Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 1:58Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:58 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD576p576p360p360p216p216pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenWhy location is everything in real estate01:59last_img read more

First open home in a decade for creative bayside hub

first_imgA level block allows easy access to the house. Her four-bedroom house at 32 Irene St, Wynnum has been a music hub for more than a decade, with her late husband StJohn Kettle and their two sons all playing multiple instruments.“It’s been a very musical house,” she said.“We turned the second biggest bedroom into a music room.“Both the boys played music: trumpet, piano, drums. My husband played the flute with Wynnum Brass and my other son was in the local Yellow Cabs band.More from newsCrowd expected as mega estate goes under the hammer7 Aug 2020Hard work, resourcefulness and $17k bring old Ipswich home back to life20 Apr 2020“My younger son is a music and maths teacher now.”Ms Wilson is looking forward to the next chapter of her life, and there’s a wooden sailing boat on her horizon.“I love sailing so the last few years my escape has been sailing and I’d like to make that more of a long term venture.”Her lowset home is in an elevated position to capture bayside breezes. An open plan living area helps breezes move through the house.The house is in two parts with a master bedroom, kitchen, lounge and dining room with a deck on one end, and at the other end is three bedrooms, a study and another bathroom. MORE REAL ESTATE STORIES The master bedroom with ensuite is separate from the other three bedrooms.“The boys took over that area, it’s great for teenagers,” she said. “But it would also suit an older couple with very little modification as you can come from the garage through to the back. ‘The bathrooms are accessible and flat.” SEE WHAT ELSE IS FOR SALE IN WYNNUM Place Manly is taking 32 Irene St, Wynnum to auction on April 27 at 3pm.ROBYN Wilson moves the river pebbles around her property ahead of this weekend’s first open for inspection with the same gentle persuasion the tide uses to move the sand along the nearby Esplanade.“I’m fixing the pebbles around the dry river bed but with the rain it’s not so dry at the moment,” she said.last_img read more