According to the Chinese Calendar 2019 is the Year of the Pig. The pig represents the last sign of the zodiac and represents new beginnings. The pig has a calm approach to life and is one of the happiest signs however the pig can also be naïve and an easy mark for the devious or underhanded people. So each of us would do well to temper the Pigs natural idealism with a healthy dose of realistic expectations. Prosperity trends should be tempered regarding the economy and living with some anxiety will be a harbinger for credit union leadership as we head into the year.With recent political, economic and regulatory changes added to the American landscape, the new year bodes cautionary for which credit unions will have to navigate. Overall many aspects of these changes have caused many of us to shift and use more new technology and innovation in dealing with our financial situations and engagement in serving members.2019 is the year for credit unions to really continue to step up and help members respond to new changes and challenges (rising interest rates/cyber-security/ID theft) and not get into the mud with our competitors.I would offer these “Super 9 in 19” suggestions for setting a course to prosper in the New Year:Work Your CU Neighborhood. Focus on deepening relationships (more wallet share) with your current members. Get closer and really get to know your members. Offer one stop financial services shopping and don’t make your members jump through whoop s to do business. Continue to engage in community socially responsible causes showing the credit union difference and offering member education programs.Review your Fee structures for market place adjustments. I am not suggesting we gouge our members, only that we alter fees based on the local marketplace. We still will be the best deal in town.Have a Collaboration, Partnership, Alliance and Merger Policy/Strategy.Train staff to cross serve and wow members at every touch point opportunity 7x24x365. Embrace being a “Member- Centric” CU. All staff, volunteers, vendors and members should be advocates for your credit union.Have a well-defined Member Experience Program. Use Good On-Boarding practices to Reconnect and Engage current/new members by offering incentives–(Buy local Groupon/ miles/reward programs/prepaid cards/cash back/free credit scores/reports co-brand products) and concierge services to empower them to connect. Give members real reasons for being a member, not just a customer. Membership should have its privileges. Offer Certificate of Member Ownership/Toll Free 800 Member Care Hotline.Embrace Innovation/Mobile Strategy: Mobile/Tablet Technology and Social Media. Be Appilicious–Utilize innovative ideas to create “Apps for This and That” especially for Hispanic Members. Partner with Fintechs. Teach members to serve themselves via technology. A CU Alexa will now join the Apple watch to members households and vehicles.Offer Suite of Retirement Services to help Senior Members. Tax/Legal (Wills) Services/End of Life (Burial) loans/Long term Care. Look for Non-traditional/Lifestyle Products/Services that your members could really benefit. Set up Retirement Service Center programs to help boomers fund their Golden Years (Direct deposit SS Checks/Debit Card)Reach out to young adults and women via Micro Lending and Small Business Services who are the fastest demographic starting their own business.Stop asking Gen XYZ why they do that? Make it a strategic imperative to appeal to and attract more Youth and Young Adults. The under 30 Demographic is your next generation of lending business and lifelong members for your credit union.Find ways to help young members ease their burden of student debt and offer financial counseling/programs.This is not the time to get sloppy about your credit unions mission to thrive in the future. Focusing on maintaining our differentiation–why we do versus what we do in our communities will distinguish us from the rest and help us prosper.Our Credit unions will need to step up, promote our purpose and focus on our commitment to members to stay ahead and avoid getting bogged down in the financial services marketplace. 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Vardallas John A. Vardallas CAE, CUDE is Founder/CEO of The AmericanBoomeR Group, a Madison, Wisconsin based speaking/consulting firm. He is also Senior Faculty Advisor/Project Evaluator for SCMS and … Web: www.theamericanboomer.com Details
President Emmanuel Macron’s reshuffled government took office on Tuesday, with conservatives given prominent roles in efforts to rescue France’s coronavirus-ravaged economy from the worst depression in decades.Reappointed as finance minister, Bruno Le Maire promised a company-focused recovery plan to revive growth, but said he would not lose control over spending.Le Maire said he faced a “crushing task” confronted by the severest economic crisis since the Great Depression of the 1930s. “My road map is clear and simple: it will be recovery – morning, noon and night.” The reshuffle saw former conservatives, including Le Maire, in control of the most influential ministries – a sign Macron will seek to consolidate support among center-right voters ahead of a possible re-election bid.An Odoxa-Dentsu Consulting poll showed eight in 10 people believed the reshuffle would not lead to a shift in policy direction.At least two small groups of feminist protesters targeted the new government.Three topless women protested in front of the Elysee Palace, one of them bearing the slogan “RIP The Promises”, as Macron prepared to convene the cabinet for the first time.In a second action, protesters took aim at new Interior Minister Gerald Darmanin, against whom an investigation into a rape allegation was reopened last month.Darmanin, who was previously Macron’s budget minister, denies rape.Macron redrew the political landscape when he swept to power three years ago, carving out a niche in the center ground and poaching ministers from the left and right.On Monday, he let go of several former Socialist ministers, while promoting others from conservative ranks.Topics : The coronavirus crisis has unraveled the hard-fought gains of a liberal economic reform agenda that provoked waves of protests during Macron’s first three years in office.Before the pandemic hit, French growth was among the highest in the euro zone, unemployment was falling and foreign investors were rewarding Macron for deregulating parts of the economy.But now the jobless rate is rising, the government forecasts the economy will shrink by 11% and debt is spiralling higher.”It is out of the question that economic stimulus gets done at the expense of well-managed public accounts over the long term,” Le Maire continued.
France’s health minister urged the country on Wednesday not to drop its guard against COVID-19, saying it faced a long battle and that observing social distancing rules was vital to avoiding a new national lockdown.France reported 14 new deaths from the novel coronavirus on Tuesday, a figure twice as high as the daily average increase of seven seen over the previous week. A total of 30,223 have now died of COVID-19 in France, health authorities said.”We are not facing a second wave, the epidemic is continuing… Some people do not respect the rules. We must not let down our guard,” Health Minister Olivier Veran told LCI television. “We do not want to resort to another lockdown, we are examining the situation on a case-by-case basis. The war is not over… People must understand that we are going to live with this virus for a fairly long time.”Veran was asked whether he would advise against going on holiday in the Brittany resort of Quiberon after a COVID-19 cluster was reported there last week and local authorities ordered a night curfew for beaches.”On Quiberon, there is a cluster of about 50 people. We are looking at the situation. It will depending on the spread of the virus. If we need to take other measures, we will take them,” he said.The Quiberon prefecture later said there were now 72 confirmed cases, mostly people aged 18 to 25. Topics :
Share Share LifestyleRelationships The 9 Types Of Pre-Exclusive Relationships by: – July 1, 2011 by Scott Alden for HowAboutWeOne of the most frequently asked questions in the world of dating has got to be “If they’re not your significant other, then what the hell are they?” Well, pre-exclusive relationships (or PXRs) don’t have to be a frustrating grey area anymore. Here’s a handy guide to the 9 most common types of PXRs, all converted into abbreviations for easy texting.1. OGBC (On-Going Booty Call)Sex and sex only. Whenever you’re both down. For as long as you can remain essentially strangers. You’ve probably never seen your OGBC before midnight.2. FWB (Friends With Benefits)The most infamous of all PXRs, the FWB relationship is rarely ever as uncomplicated as either party pretends it is. The promise of a “no-strings-attached” deal with a person who you actually enjoy hanging out with is just too sweet, though. So, we keep acting like we’re emotionally invincible until we ruin a perfectly good friendship.3. TLKNG (Talking)“No we’re not dating. We’re just talking.” You like each other and you both know it, but neither one of you has acted on it yet. (Having hooked up once or twice doesn’t necessarily count as “acting on it.”)4. LVRS (Lovers)“Lovers,” is sort of an outdated, cheesy word that most people have only ever heard on “Murder She Wrote” (“What was your relationship to the deceased?” “We… we were lovers.”). But there’s no other word that quite captures this particular relationship. LVRS are not committed to each other, but they have deep feelings for each other. For whatever reason, however, it can never be.5. DTNG (Dating)There’s some controversy about the difference between “seeing each other” and “dating,” and we won’t be able to please everyone here. Dating, to me, means “going out on dates.” You can be going out on dates with multiple people at one time, and there’s nothing questionable aboutthat.6. SEO (Seeing Each Other)“Seeing each other,” means that you are involved with someone. You’re not necessarily exclusive, but you’re interested in the possibility. Think of it as seeing about someone.If you’re “seeing someone” you can still be “dating” others. But “seeing” two people at once? That requires a conversation, at the very least.7. XWSEX (eX With Sex)There were probably a lot of reasons that you and your ex called it quits. But maybe the sex wasn’t one of them. There’s no reason that, as long as you’re both single, you shouldn’t be able to continue enjoying the one thing that was actually working, right? Actually, there’s like a thousand reasons, but none of them seem very compelling when you’re caught up in the XWSEX spell.8. PMX (Pretty Much eXclusive)Nobody’s labeling anything at this point, but, given the amount of time you’re spending together, you can basically assume that neither one of you is sleeping with anyone else. That is, unless an XWSEX happens to be in town for the weekend. Or some beautiful, possibly drunk, person that you’re totally never going to see again is basically throwing him/herself at you (and you’re possibly drunk, too). The PMX period is a time when you’re basically obligated to take advantage of any and all uncomplicated sex that comes your way — because it won’t last long.9. SF (Significant Frother)You’re not dating them. You’re not sleeping with them. But whoever you are dating or sleeping with will probably get inexplicably jealous of them. Your SF is your “When-the-hell-are-you-two-just-going-get-married?!” friend. And sometimes you think maybe you just should. There’s a part of your heart that they’ve got on lock-down and nobody else can touch it. Think Julia Roberts and Dermot Mulroney in “My Best Friend’s Wedding.” Tweet Share Sharing is caring! 155 Views no discussions
CARDIFF, Wales (Reuters) – New Zealand crushed Sri Lanka without losing a single wicket in Cardiff yesterday to begin their World Cup campaign in style after seamers Matt Henry and Lockie Ferguson had skittled their opponents out for 136.Kiwi opener Martin Guptill then smashed an unbeaten 51-ball 73, while Colin Munro made 58 not out to help the New Zealanders reach their target in less than 17 overs.Earlier, Kiwis skipper Kane Williamson won the toss and chose to bowl on a pitch so green it was indistinguishable from the outfield, and he was rewarded when Henry trapped Lankan opener Lahiru Thirimanne leg-before in the first over.Canterbury seamer Henry, who conceded 107 runs in a warm-up match against West Indies earlier this week, continued his resurgence to remove Kusal Perera and Kusal Mendis in the ninth over to leave the Sri Lankan middle order exposed at 46-3. “Good to go out there on a green surface,” Henry, who credited his stint with English county Kent last season for his man-of-the-match performance, said after the match.“You don’t get too many one-day wickets like that. On a surface like that we were trying the full length and get them forward, with them trying to hit us off our length.”Henry took 3-29 off seven overs, while Ferguson bagged three middle-order wickets as Sri Lanka finished with the lowest ODI total at Sophia Gardens – below their own record there of 138, also set against the Kiwis, in the 2013 Champions Trophy.Sri Lankan captain Dimuth Karunaratne led a mini-recovery for his side, carrying his bat with an unbeaten 52 to take the total past 100. All-rounder Thisara Perera (27) received no support from the lower order, as they were skittled out with 20.4 overs to spare.Karunaratne has urged his team to reassess their approach for the rest of their campaign after the majority of the batsmen perished in search of early boundaries.“136 is never going to be enough in these conditions,” the Sri Lankan captain said.“It was a good toss to win … it was seaming and swinging in the morning, so they had the advantage.“We need to think about our game and approach. We’re trying to play our shots early. We need to give ourselves a chance to get set and then score runs.” The result cemented 2015 runners-up New Zealand’s status as the dark horses in the tournament and also highlighted why Sri Lanka, who have recorded just one ODI win in 2019, may struggle to qualify for the semi-finals.New Zealand’s next game is against Bangladesh at The Oval on Wednesday, while Sri Lanka stay in Cardiff to play Afghanistan on Tuesday. SRI LANKA innings H. Thirimanne lbw b Henry 4F. Karunaratne (c) not out 52M. Perera c de Grandhomme b Henry 29B. Mendis c Guptill b Henry 0D. de Silva lbw b Ferguson 4A. Mathews c Latham b de Grandhomme 0B. Mendis c Neesham b Ferguson 1N. Perera c Boult b SantnerI. Udana c Henry b Neesham 0R. Lakmal c Santner b Boult 7S. Malinga b FergusonExtras: (b-1, nb-2, w-8) 11Total: (all ou,; 29.2 overs) 136Fall of wickets: 1-4, 2-46, 3-46, 4-53, 5-59, 6-60, 7-112, 8-114, 9-130.Bowling: M. Henry 7-0-29-3, T. Boult 9-0-44-1, L. Ferguson 6.2-0-22-3, C. de Grandhomme 2-0-14-1, J. Neesham 3-0-21-1, M. Santner 2-0-5-1.NEW ZEALAND innings (target: 137 runs from 50 overs)M. Guptill not out 73C. Munro not out 58Extras: (lb-3, nb-1, w-2) 6Total: (16.1 overs) 137-0Bowling: S. Malinga 5-0-46-0, R. Lakmal 4-0-28-0, I. Udana 3-0-24-0, N. Perera 3-0-25-0, B. Mendis 1.1-0-11-0
With the NCAA Tournament selection show just hours away, Syracuse (19-13, 9-9 Atlantic Coast) waits for its postseason destination still to be determined. The Orange was eliminated from the ACC tournament on Wednesday and is listed on the bubble in most bracketology projections. The selection show is at 5:30 p.m. on CBS.Beat writers Sam Blum, Jesse Dougherty and Matt Schneidman predict whether SU will make the field, sneak in for a play-in game in Dayton, Ohio or miss the Tournament altogether.Sam Blum11 seed in DaytonDayton DancingSyracuse will get into the NCAA Tournament this evening and it certainly deserves the nod. The other teams on the bubble don’t have the pedigree of wins, except maybe Oregon State. St. Mary’s chose not to schedule hard to its own detriment. Monmouth scheduled hard but its wins have lost value. Valparaiso has one good home win. Syracuse owns the head to head over St. Bonaventure. There’s definitely a spot for a Syracuse team that passes every eye test of a Tournament caliber program.Jesse Dougherty11 seed in DaytonNew lifeAdvertisementThis is placeholder textThere are so many variables at play here, and even the people who are paid to predict the NCAA Tournament bracket are almost evenly split on whether or not Syracuse will make the tournament. But when it comes down to it, Trevor Cooney laid it out pretty plainly after the Orange’s loss to Pittsburgh on Wednesday: SU hasn’t been blown out this year, and has been in every game it’s played in. When you consider that Syracuse played a fairly difficult nonconference schedule, lost its head coach for nine games in the middle of the season and then went head first into ACC play, I’d say just that factor alone makes it worthy of the chance to play into the Tournament in Dayton this week.Matt Schneidman11 seed in DaytonGimme an O(hio)The Orange deserves to just sneak in and it will. Yes, it has a god-awful loss to St. John’s but its five wins against RPI top 50 teams put it in a better spot than some of the other teams sharing that ever-growing bubble. South Carolina, Vanderbilt and San Diego State took terrible losses in their conference tournaments that could’ve solidified bids, but instead it opened the door for an SU team that I believe will draw either Monmouth, Michigan or Temple in the First Four in Dayton, Ohio. Comments Facebook Twitter Google+ Related Stories Syracuse basketball roundtable: Late-season slide, expectations and whether SU could make an NCAA Tournament runBracketologist Patrick Stevens on Syracuse’s Tournament chances: ‘I’m going to lean out at this point’Jim Boeheim on Syracuse’s NCAA Tournament chances: ‘It’s up to them’Syracuse loses 72-71 heartbreaker to Pittsburgh in ACC tournament Published on March 13, 2016 at 1:43 pm
“I really hope Marcus finally gets recognized as an All-Defensive team member,” Stevens said in March. “We’ve thought ever since he got here that he’s one of the best defenders in the league.”Smart being out is a serious blow to the Celtics on the defensive end, and with Jayson Tatum and Jaylen Brown a little banged up, as well, Boston is not near 100 percent coming into a playoff matchup with the Pacers.Fortunately for Boston, it is very deep with Kyrie Irving and Al Horford providing some much-needed stability, but against a scrappy team in Indiana, the Celtics’ job could be a little bit harder. Marcus Smart has suffered a torn oblique on left side and could be sidelined for the first two rounds of the playoffs, league source tells ESPN.— Adrian Wojnarowski (@wojespn) April 10, 2019Smart, 25, is averaging 8.9 points, four assists and 2.9 rebounds this season, but what he does goes far beyond the numbers.He’s the type of player who will dive for loose balls, take charges, bring energy and he won’t back down from anyone. Related News The Celtics lost a sparkplug for the foreseeable future.Marcus Smart has a partial avulsion of his left oblique abdominal muscle off of his iliac crest and is expected to miss four to six weeks, the Celtics announced Wednesday. ESPN notes this could mean he is out for the first two rounds of the postseason. NBA, players union resume talks to lower minimum age to 18, report says Coach Brad Stevens has always praised Smart’s defense and he was stumping for him to earn the appropriate recognition for his efforts this season. Duke’s RJ Barrett declares for NBA Draft to fulfill childhood dream
The national team of BiH in sitting volleyball is tomorrow finishing the second stage of preparations for the Paralympic Games which will be held from September 7 until September 18 in Rio de Janeiro.BiH sitting volleyball national team, led by the coach Mirza Hrustemović, will complete the final stage of preparations from August 26 until September 2 also in Međugorje, as the previous preparations. In Rio de Janeiro, they will defend the title won four years ago in London. Captain of the most decorated BiH national team Sabahudin Delalić says that a difficult task awaits the BiH national team in Rio, but that he and his teammates will again give their maximum to accomplish the goal – performing in the finals.“This time it will be exceptionally difficult to defend the gold. National teams of Iran, Russia and China are expecting us already in the first qualification round, but we will again give our best. We are preparing very well; we have taken these preparations very seriously. We know that every other medal except the golden one is a failure when it comes to us,” said Delalić.Delalić sees the most dangerous competition in the national team of Iran, against whom BiH played four last Paralympic finals. He also sees threat in national teams of Russia, Brazil and Germany. At the Paralympic tournament the BiH national team will play in the group B with the teams of Iran, Russia and China, while in the group A are Germany, Egypt, Brazil and the USA. The Paralympic tournament begins on September 9.In their previous performances at the Paralympic games, BiH volleyball players won golden medals in Athens in 2004 and in London in 2012, as well as silver medals in Sydney in 2000 and in Beijing in 2008. National team players who are going to Rio this year are Adnan Kešmer, Mirzet Duran, Sabahudin Delalić (captain), Armin Šehić, Benis Kadrić, Ismet Godinjak, Adnan Manko, Asim Medić, Nizam Čančar, Dževad Hamzić, Safet Alibašić, Ermin Jusufović, national coach Mirza Hrustemović and coaches Ejub Mehmedović and Zikret Mahmutović.(Source: hayat.ba)
Royal Varuna Yacht Club in Pattaya held a fun team racing event during the weekend Oct. 1-2 for young talented club members to learn and improve their spirit of team racing. About 40 young sailors took part in both Optimist and Laser 4.7 classes.Laser 4.7 winners – Win Thanatayaudom (left) and Sophia Montgomery (right) with Varuna Commodore Tom Whitcraft.The event was organized by Jordan Rumsby, Sailing Director and RVYC coach with support from parents. Special thanks also go to Albert Nazarov, Tom Vernon, David Gavin, and Wikki Bhanubandh who were positioned on and off shore to make sure everything went smoothly.Each sailor was required to employ their own tactics and strategies to ensure their team secured good positions and points, all without the aid of coaching support.The next event at Varuna will be the 2016 JVK Eastern Seaboard Regatta from 22 – 24 October. It is open to any Optimist sailor of any nationality. Contact Jordan Rumbsy at email@example.com for entry enquiry or visit www.varuna.org.Optimist class winners – Jade Gavin, ML Weka Bhanubandh and Krit Romanyk.Celebrating success back on shore.
Broken ankle: “When everything happened, I couldn’t look at my foot. I didn’t want to have that image in my mind. I knew right away that something was wrong because I had pain.”Doctor’s performance: “ANDDr. Hollingsworth was amazing. Really important and fast what he did. He put my ankle in the right place. He placed it twice, turning it and then placing it. “Memories of the injury: “I remember Cenk Tosun, who was holding his head; Lucas Digne and Richarlison, nearby. Also Luis Boa Morte, who was next to me and I think I hit him. It was more difficult mentally than physically.” Andre Gomes He felt like a footballer again last weekend. On November 3, in a fortuitous action with the player of Tottenham They are, fractured right ankle with dislocation. An image that went around the world. A memory that the former soccer player Valencia Y Barcelona tells for him Daily Mail but he hasn’t wanted to see yet: “It was scary but I am very happy to return.” Support samples: “I had messages from everyone, from Lionel Messi, with whom I played in Barcelona, to his compatriot Cristiano Ronaldo. There was even an unexpected message from Alan Shearer.”Recovery: “There would be times when the right foot was trembling alone. The more I thought about the injury, the more it happened. To be honest, it was a lot of fun to see it. “Bad moment: “I am not going to lie. During this period, I had really bad times. I cannot say that I had no pain or that my foot was not blocked like a rock. I had days like that, but I wanted to return with the team as soon as possible.”Concern: “Will I be the same player as before? That was a small concern, but the people I talked to about my specific injury helped me. “ His brother (Nuno) and his niece in the stands: “My brother wanted to run from the stands to the field and the commissaries said: ‘No! No! Don’t do that! The doctor did a brilliant job in the field. Then, on the way to the hospital, Nuno was with me.”Conversation with Son at 48 hours: “He’s a good guy. He apologized and I explained that things like that happen. Obviously it wasn’t on purpose.”