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On this episode, host Matt Longacre is joined by Senior Policy Analyst Joey Samowitz for a discussion about the future of real time payments. Host: Matt Longacre,Guest: Joey Samowitz, Senior Analyst, Policy, Conference of State Bank SupervisorsPaying someone feels so simple nowadays, right?Whenever I go out to dinner with friends and we need to split the check, they just tell me to Venmno them or Paypal them or Zelle them Okay, nobodys ever actually told me to Zelle them, but you get my point. But even though the transaction kind of feels instant, its still anything but. When I add that check to my account, it says Pending. And the bank tells me to hang onto that check for a couple days in case something goes wrong. It turns out that, behind the scenes, theres a vast system of machinery working to make sure the little bits and bytes of data on my phone represent real transactions. They want to be sure that everyone actually has the money they say they have and that the money is getting safely from bank A to bank B. That process can still take a while to complete. In recent years, theres been a new obsession with something called Real Time Payments. Its the idea that all this should be able to happen the movement of the money, the confirmation that person A has the funds, the deposit into person Bs account instantaneously. On this episode, I talk to an expert who knows more about the hard work going into making payments faster.

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The Home Office has a prescribed list of documents it deems as acceptable for proving an individuals right to work in the country. In line with the Home Office Right to Work Checklist we need you to show us your original documents as applicable to your circumstances. Please note that an expired British or EEA/Swiss passport is acceptable, providing it corresponds with the name on your application. If you have time limited leave to remain in the UK, there will be additional steps in order to ensure that the activities that you would be doing at Salford are in line with your rights to be advised by the QEO. If you have changed your name, including following marriage, you will need to provide additional supporting documentation as proof of change of name. We must see the original evidence of right to work we cannot accept certified copies therefore you have two options as set out below. Option A If it is practicable for you to visit the University prior to your appointment. Bring the necessary papers/documents to the Quality and Enhancement Office QEO, Ground Floor Reception, Crescent House Monday Friday between 10:00 am and 4. 00pm. QEO staff will process your documentation within approximately 15 minutes. See below for the full address.

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Plus, the reality is that unless you've done a really terrible job and completely under delivered on your source, you will get very few refeund requests anyway. So you might as well include a money back guarantee as part of your course sales page as one additional item to quiet concerns that buyers may have. If you're going to choose to offer a money back guarantee, I'd recommend going with a 60 or even 90 day guarantee instead of a standard 30 day one. That way people have enough time to get through some of your course material before the time is up. They won't feel the need to rush through the material or panic when the money back time period is almost up and they haven't had a chance to look through the course material yet. One variation on the standard money back guarantee that we've seen some course creators offer is to require proof of completing or at least attempting the course. You can ask your students for evidence that they've actually worked through the course, such as asking to see copies of completed assignments or the steps they've taken so far. This might help stop refunds from people who simply have buyer's remorse, or those who buy your course, skim through the contents, and immediately request a refund. You can choose a one time model. This usually gives students lifetime access to your course in exchange from one lump sum payment up front. This is the simplest model and is used most commonly, but if your course is more than a couple hundred dollars it might deter potential students who don;t have the money to pay upfront.

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Instead, she got a battery of screenings to rule it out, she said and later a bill for at least $1,440. It would have been so easy just to give me a test right then, said Shaw, 61, an Elgin resident. I was there. I was having symptoms. Tests for the virus, which typically involve a painful swab up the nose, are often advertised as free. Congress directed most insurance companies to cover test costs for insured patients in March and has promised to reimburse providers for testing those who are uninsured. But experts say there are gaps in the protection, including for people like Shaw, who sought a test early in the pandemic, or those who went to a doctor and left without being screened for the virus. Not only could they be on the hook for the cost of the visit, like a co pay or emergency room facility fee, but also any diagnostic procedures used to check for ailments besides COVID 19. With a nationwide shortage of test supplies, clinicians have been encouraged to rule out illnesses, like the flu, before testing for the coronavirus. When she arrived at St. Davids hospital in North Austin on March 17, she was whisked into the emergency room, where she got a flu test, an X ray of her lungs and an electrocardiogram, or EKG, to check her heart, she said.