13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Sarah Marshall Sarah Marshall is a consultant in the credit union industry, and can be reached for partnership and speaking opportunities through Your Credit Union Partner. Her background in community development includes … Web: https://yourcupartner.org Details Business can be summarized as serving. At the core of all business endeavors, there is a connection between something someone needs or wants and a company or person that provides the product or service. From the more niche products like Game of Thrones fountain pens to obscure services like toothbrush delivery subscriptions to commodities like phone service or grocery stores, the common element is that the company has enough people who want to pay for it at the price the business is able to offer it. Although some products are necessities, for most things consumers have enough choices of brands, designs or features to give people options that will satisfy. If a brand does not meet the customer’s expectations, they will choose a competitor. Financial institutions are at high risk of being commodities. Checking and savings, CDs, money market accounts, and loans are all pretty vanilla products at the end of the day. Credit unions have the advantage of being fairly well liked, when people know what they are. For more on this, Filene Research Institute recently published a fascinating article titled “Who Do Credit Unions Belong To?” which delves into the bipartisan appeal of credit unions. We can do even better by cultivating the skill of listening as a business practice. In a world that is increasingly automated and data driven, where communication happens at a fast pace and important news fades too quickly, helping people feel heard is a way credit unions can stand out. Here are three ways credit unions can listen. Listen to your members: This one is probably the most obvious, and all of us pride ourselves on serving the member. It’s what we do and what we are about as credit unions. Every once in a while, though, we may make excuses for bad business behavior and blame the customer. Sometimes we do this because a complaint is not legitimate, and it is important to differentiate when something is valid and when something is not. Sometimes we do this because we feel a problem is unsolvable. But rather than invalidating the complaint, consider what can be done differently. Your Yelp, Google, and Facebook reviews are a good place to start. Yes, it is true that people who tend to write online reviews are generally either very happy or very dissatisfied and often without communicating properly with the institution. But there is something to learn there. Also, it is important to highlight the compliments you get as well, and work to do more of what people are saying they like. Compliments and complaints are the best feedback your credit union can get, and your balance sheet is actually built by your customer service. Listen to your employees: There are times where it can be difficult for management to really listen to employees. Business decisions can be complex, and not every level of the organization has access to the reasons why things are done. Even when employees don’t understand the full scope of the decision, what they are saying (sometimes in private conversations with each other!) is critical. Employees can be closest to the impact of a business decision. If a new process or procedure isn’t working well, they are the ones feeling it. Make sure employee feedback is incorporated into decisions. They are also the ones closest to your members, and if they aren’t satisfied your members will feel it even if internal issues are never verbalized externally. Listen to your community: Your place of business is not irrelevant, even in an increasingly online world. People are still connected physically to their local communities, and things are happening there for your organization can respond. As credit unions, we should be great at being part of our communities because our charter based system. Know the local, social, political and cultural issues going on. Be responsive. Listen to what local officials, non-profits and leaders need. You might be surprised where your institution can play a bigger role when you have conversations to listen, not just to sell.
Also, in the first nine months, according to data from the e Visitor system, the Split-Dalmatia County hosted a total of 3,4 million guests (an increase of 5 percent) who achieved 17,2 million tourist overnight stays (an increase of 5 percent). Transport connectivity, and especially through air transport, is key to extending the tourist season as well as opening up new markets. This year, Croatia is more connected than ever before, and air traffic is growing month by month. The German market continues to be our main emitting market Photo: Pixabay.com The largest passenger traffic was realized by Split Airport with 669 thousand passengers (an increase of 7,1% compared to August 2018), followed by Dubrovnik Airport with 522 thousand passengers (an increase of 9,2% compared to August 2018) and Zagreb Airport with 374 thousand passengers (an increase of 0,6% compared to August 2018). The most significant international passenger traffic in August was realized with German airports, 367 thousand passengers, which is an increase of 11,6% compared to the same period last year. Thus, in August 2019, Croatian airports recorded 1 thousand passengers or 951% more than in the same month last year, according to CBS data. Source: CBS With direct flights of about 60 European airlines with more than a hundred flights a day during the summer months, Split Airport connects the city of Split as the main center of Dalmatia with more than 100 cities across Europe. According to the announcements of an excellent post-season, by the end of this year, it is expected that about 3,3 million passengers will pass through Split Airport. During the first nine months of 2019, the turnover was more than 2,9 million passengers, an increase of 6 percent compared to the first nine months of last year. Only in July 2019. 723.000 passengers passed through Split Airport, which is a record number of passengers in one month in the history of not only Split Airport but also other Croatian airports. Of course, this had a direct positive effect on the entire region, ie Dalmatia. Thus, Split has nine best months in tourist traffic ever in which it was visited by 837.125 thousand guests with almost 2,5 million tourist nights. This is the result of which Split surpassed last year’s best tourist year by as much as 8 percent in the number of guest visits, and the number of their overnight stays is 9 percent higher than last year. Split Airport as the leading airport in Croatia The total number of aircraft landings and take-offs at airports in August 2019 was 19, which is an increase of 847% compared to August 2018. The tourist traffic of Split in the first nine months of this year differs from all others in Croatia in that Split is the only city to which Americans are in first place in terms of the number of visits throughout the year. Thus, almost 18 thousand of them arrived in September alone, while this year Split hosted a little less than 100 thousand tourists from the USA. It is interesting how Split Airport, with this year’s expansion and modernization, has positioned itself as our main airport, at least in terms of annual traffic. In ten years, the traffic at Split Airport has doubled. Cover photo: Pexels.com
“There is an increase in the number of cases of COVID-19 in almost all states in both the Midwest and the South that, until two or three weeks ago, had a small number of cases,” Eduardo Marques Macário, a senior health official, told journalists in a press conference.The number of deaths in the South and the Midwest regions grew by 37% and 36%, respectively, in the epidemiological week ended last Saturday, the ministry added, in contrast to setbacks seen in the North and Southeast and a trend of stability in the Northeast.In the South, the worsening scenario comes after states such as Rio Grande do Sul and Santa Catarina were the first to lift social distancing measures.Sao Paulo state remains the epicenter of the COVID-19 pandemic in Brazil, with over 15,000 deaths and almost 290,000 confirmed cases, according to the Health Ministry. Topics : Brazil surpassed 60,000 coronavirus deaths on Wednesday, the Ministry of Health said, citing a recent wave of contamination in Southern and Midwestern areas of the country.A total of 1,038 additional deaths were registered in the past 24 hours, taking the overall number of fatalities to 60,632, the ministry said, updating the 60,610 tally disclosed earlier on Wednesday to add data from Rio Grande do Sul state.Total confirmed cases were revised to 1,448,753 from 1,447,523, marking a daily rise of 46,712 from Tuesday and making Brazil the country with the second worst outbreak in the world behind the United States.
Arsenal are open to offers for Henrikh Mkhitaryan (AMA/Getty Images)Arsenal are ready to sell Henrikh Mkhitaryan after their Europa League final against Chelsea next week, according to reports.The Armenian midfielder will play no part in the final in Baku next Wednesday after deciding to miss the game due to security fears surrounding the trip to Azerbaijan.But according to The Sun, Arsenal are now ready to let Mkhitaryan leave this summer and will not stand in his way if they receive an acceptable offer.The report claims that the Gunners hierarchy feel that the 30-year-old will never hit top form in the Premier League.ADVERTISEMENT Arsenal ready to sell Henrikh Mkhitaryan after Europa League final against Chelsea Mkhitaryan has failed to make an impact at Arsenal (Getty Images)Mkhitaryan join Arsenal in January 2018 as part of the swap deal which saw Alexis Sanchez join Manchester United.AdvertisementAdvertisementArsenal’s former head of recruitment Sven Mislintat reportedly played a major role in convincing Mkhitaryan to join the club.But following his move to the Gunners, Mkhitaryan has failed to make a significant impact with the midfielder scoring just six goals and registering seven assists in 39 appearances this season.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityArsenal are also keen to offload Mesut Ozil but the midfielder has insisted that he wants to see out his contract with the club.‘Absolutely. I’ve got two more years on my contract,’ said Ozil.‘I don’t know after that but I’ve got two years left.’More: Manchester United FCRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseEx-Man Utd coach blasts Ed Woodward for two key transfer errors Advertisement Comment Metro Sport ReporterFriday 24 May 2019 7:24 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link1.8kShares Advertisement
The European Banking Authority (EBA) has warned that proposals from the European Commission (EC) to transition banks to the new IFRS 9 accounting model could mean banks recognise lower loan-loss provisions or impairments than they do at present.The effect of any such move, the EBA said, would be to unpick any improvements made under IFRS 9 relating to provisions that banks must hold to protect against losses on financial assets such as loans.The EBA said the commission’s proposal “as it currently stands could be interpreted as allowing institutions to add back [expected credit losses] in stage 3 under IFRS 9”, which would “result in the neutralisation” of the provisioning currently in place under IAS 39.The EBA added: “However, if an institution decided to apply the transitional arrangements, it would be able to add provisions back to [tier one provisions] and therefore have a positive impact due to IFRS 9.” The EC published its transitional proposals for IFRS 9 under the auspices of its review of cash reserve ratios. The proposals are intended to lessen the impact of IFRS 9 on capital ratios.The proposals give institutions – not regulatory authorities – the option to apply the transitional arrangements for a period of five years.They would allow institutions to add back in to tier one any loan loss allowances classified under stage one or two by IFRS 9.The International Accounting Standards Board (IASB) launched its bid to replace its existing financial instruments accounting standard, IAS 39, in 2009.Critics of IAS 39 have argued that its incurred-loss impairment model has caused banks to recognise losses too late.Although the IFRS 9 project started out life as a joint effort with the US Financial Accounting Standards Board (FASB), the US standard setter has largely walked away from the effort. This challenged the IASB’s bid to become the world’s single global accounting standard setter.In a further twist, critics of IFRS 9 have jumped on the fact that the FASB has adopted a more forward-looking model that requires banks to recognise full upfront losses on the lifetime of impaired loans.The EU formally adopted IFRS 9 on 22 November 2016.The European Parliament issued a resolution supporting the adoption for IFRS 9 on 30 September 2016.This resolution also called on the EC to examine the possibility of introducing a phase-in regime for the impairment requirements of IFRS 9 in order to avoid any sudden unwarranted impact on institutions’ capital ratios and lending.The EC responded on 23 November 2016 as part of its CRR II/CRD V proposals with transition proposals.
Promoted ContentCouples Who Celebrated Their Union In A Unique, Unforgettable Way8 Superfoods For Growing Hair Back And Stimulating Its GrowthA Guy Turns Gray Walls And Simple Bricks Into Works Of ArtBest & Worst Celebrity Endorsed Games Ever MadeTop 10 Most Romantic Nations In The World8 Shows That Went From “Funny” To “Why Am I Watching This”Birds Enjoy Living In A Gallery Space Created For ThemTop 10 TV Friends Who Used To Be Enemies9 Facts You Should Know Before Getting A Tattoo6 Interesting Ways To Make Money With A Drone10 Risky Jobs Some Women Do6 Of The Best 90s Shows That Need To Come Back ASAP Rashford was forced off less than 15 minutes after coming on as a second half substitute in a FA Cup third round replay win over Wolves on Wednesday and was absent for United’s trip to Liverpool on Sunday. Manchester United manager Ole Gunnar Solskjaer does not believe top scorer Marcus Rashford will be fit to return from a back injury for a number of weeks.Advertisement Loading… However, Solskjaer revealed the England international is unlikely to return before United’s mid-season break at the start of the February.“He’s got a couple of knocks, jolts against Wolves,” Solskjaer told Sky Sports.“He aggravated his back (and) had trouble before. (We need to) give him time to recover and rest before we put him back on the pitch.“I wouldn’t expect him to be back in the next few weeks. We have a mid-season break and I’m not sure are going to see him before then, no.”Man Utd lose Rashford for ‘weeks’ – Solskjaer https://t.co/t44Nx4R10K pic.twitter.com/k3zgKPVejZ— CLEANSHEET (@Cleansheet) January 19, 2020Read Also:Ferguson lauds three Man United youngstersUnited face either Watford or Tranmere in the FA Cup fourth round, travel to Manchester City for the second leg of their League Cup semi-final – trailing 3-1 from the first leg – and host Wolves in the Premier League in the next two weeks.Solskjaer’s men then have a 16-day period to rest and recuperate thanks to the Premier League’s first ever winter break before travelling to Chelsea on February 17.FacebookTwitterWhatsAppEmail分享
NEGROS OCCIDENTAL PIOGov. Eugenio Jose Lacson of Negros Occidental agrees with President Rodrigo Duterte’s call for telecom companies to improve their services. The APORs, either on OB, ET or IT, are required to notify this province through their local agencies or offices of the nature of their travel. They shall be required to comply with the usual screening procedures and fill out health declaration and locator forms. According to Lacson, the provincial government is adopting a set of guidelines that will cover the movement of APORs as they avail themselves of the privileges accorded them. They will be categorized as APOR on Official Business (OB), Emergency Travel (ET) or Indispensable Travel (IT), and Travel Not Work-Related. Those on OB must present a certificate of work schedule indicating the number of days of stay in this province; medical certificate issued on the date of travel by a government physician; certificate of employment and employee’s identification card (ID) for workers in private companies or institutions; employee’s ID for government officials and employees; mission order, letter order, or special order for the uniformed services; travel order for government officials and employees; and ID for volunteers working in humanitarian organizations. If the stay is less than 14 days, the APOR on ET or IT shall not be allowed to go out from his or her place of residence and shall be required to undergo strict home quarantine protocols for the duration of the stay. Those on ET or IT must submit a travel authority issued by the Philippine National Police; certificate for reasons of ET or IT indicating the number of days of stay in this province; medical certificate issued on the date of travel by a government physician; certificate of employment and employee’s ID for workers in private companies or institutions; employee’s ID for government officials and employees; and ID for volunteers working humanitarian in organizations. For APORs whose purpose of travel is not work-related, the general guidelines on the local health and safety protocols of this province shall apply. (With a report from PNA/PN) After the APOR goes back to his or her work station, their family members shall continue to undergo home quarantine to complete the 14-day standard period, which shall be monitored by the Barangay Health Emergency Response Team. “APORs enjoy the privilege of unrestricted movement throughout the duration of community quarantine status. However, APORs have become carriers of COVID-19, thereby heightening the risk in this province,” he added. BACOLOD City – The provincial government here has imposed additional health requirements for authorized persons outside residence (APORs) entering this province as part of the measures to contain the spread of coronavirus disease 2019 (COVID-19).Gov. Eugenio Jose Lacson in his Executive Order 20-33 released on Wednesday said there is a need to regulate APORs by setting up additional health and safety protocols before granting them entry to this province.
Indianapolis, In. — Lt. Governor Suzanne Crouch gathered partners from various state and federal offices, private businesses and local universities to speak with students from two Indiana high schools on the importance of diversity in agriculture.Indiana Public School Arsenal Tech’s STAR Academy and Thea Bowman Leadership Academy in Gary, Ind. both offer agriculture programs for their students and had the opportunity to participate in the first-ever Diversity in Agriculture Day at the State Fair to see where an education in agriculture can take them.“Seeing the students engaging with the speakers and the various activities throughout the day hopefully inspired them even more to be involved in agriculture. They also had the opportunity to learn about the importance of nutritious foods and health and how that can be achieved anywhere you live,” Crouch said. “There are so many avenues an education in agriculture can take you, and since they are already interested in one of the biggest industries in our state, they now see where that passion can be transformed into a successful career.”Crouch hosted students from the two schools and they had a variety of events throughout the day. They toured the Glass Barn and spoke with the featured farmer, saw a Purdue Vet demo with Dr. Jim Weisman, went through the FFA Pavilion, visited the Department of Natural Resources building and went through the Farm Bureau Building for the Taste of Indiana Agriculture.During the lunch they heard from various speakers including:Lt. Governor Suzanne Crouch;Dr. Karen Plaut, Dean of the Purdue University College of Agriculture;Dr. Willie Reed, Dean of the Purdue University College of Veterinary medicine;Jonathan Jones, Improvement Engineer at Corteva Agriscience, Agriculture Division of DowDuPont;Myron McClure, Assistant Director of the Office of Multicultural Programs at Purdue University College of Agriculture; and Bruce Kettler, Director of the Indiana State Department of Agriculture.“Holding the Diversity in Ag day at the state fair will also spread awareness that agriculture related careers can transform into many different paths. The importance of showcasing diversity in agriculture is paramount to our continued success in our state,” Crouch said. “I look forward to seeing the promising future of the students that participated today, and the ever-growing prosperity of our agriculture industry as we continue to take it to the Next Level.”
RelatedPosts NPFL: Coach Dogo leaves Sunshine Stars NFF sanctions NPFL 2019/2020 final table Plateau United dedicates continental ticket to fans Plateau United Football Club of Jos on Sunday defeated Jigawa Golden Stars FC of Dutse 2-1 in a Match Day 22 fixture of the 2019/2020 Nigeria Professional Football League. The match, played at the Zaria Road Stadium in Jos, saw Oche Ocheochi and Tosin Omoyele scoring for Plateau United in the 32nd and 38th minutes respectively. The News Agency of Nigeria reports that Jigawa Golden Stars reduced the tally 13 minutes to the end of the match officiated by Patience Madu. Speaking shortly after the match, Maurice Nanmaim, the Assistant Coach of Plateau United, commended their players for winning the encounter. “It is good that we won the match, which means we still maintain our top position on the table,” Nanmaim said. Gilbert Opana, the Head Coach of Goden Stars, also commended his team for a good play. Opana acknowledged that Plateau United were a very good side, but noted that the performance would help them to be more ready to face other strong teams. He said: “For me, our players did well. “Plateau United are a strong team and the one goal we scored is a welcome development. “But I would have been happier if we had won the match. “However, this has made us to know Plateau United better, and we will prepare better for future encounters.”Tags: Maurice NanmaimnpflPlateau United
RelatedPosts Lampard: I still have confidence in Tomori Mane double eases Liverpool to win over 10-man Chelsea EPL: Chelsea, Liverpool in cagey duel Tammy Abraham has quashed any concerns over his Chelsea future by signing a one-year contract extension at Stamford Bridge, the PA news agency understands.The 22-year-old striker has extended his existing Blues deal until 2023, though Chelsea bosses are understood to be ready to continue talks over longer terms. Boss Frank Lampard handed Abraham the coveted number nine shirt last summer, and the England striker has fired 16 goals in 40 games in his first term leading the Blues’ line.New £53 million recruit Timo Werner will boost Chelsea’s firepower next term, but the prolific Germany hitman will also add significant competition for Abraham.But Camberwell-born striker Abraham has had no qualms about extending his Stamford Bridge stay, with the club also keen to keep him for the long haul.“I don’t want to get into the clauses in contracts, it could open me up to many a question that one,” said Lampard.“But I said it before when I was asked, Tammy’s not at a critical stage in his contract. “He needs to focus on his playing and we need to finish the season as strongly as we can, and there will be plenty of time to sit down after that.”France’s World Cup-winning striker Olivier Giroud also recently extended his Blues contract to remain in west London next term.The 33-year-old has fired three goals in five games since football’s resumption, reiterating his value to the Blues.Abraham broke a 10-game scoring duck in Chelsea’s 3-2 win at Crystal Palace on Tuesday, with Lampard hoping that can spur him back to his best.“Tammy in his personality is a very positive lad, he trains well, he’s good around the group and that hasn’t changed,” said Lampard. “I know beyond that there are sometimes feelings for a player, especially a goalscorer who is having a tough time in front of goal.“We had a conversation before the Palace game, so I was particularly delighted to see him break that against them. I hope there is an uplift for him, I hope his confidence has taken a nice boost, and we’ll see.”Tags: ChelseaFrank LampardStamford BrudgeTammy Abraham