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Leave the boy alone. It’s the Fed who cried wolf.

first_imgThe Federal Reserve 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Give me your tired, your poor, your huddled masses yearning for interest rates slightly higher than the infinitesimal chance I have of winning the Powerball! Maybe I’m being a bit dramatic, but the Fed has been beating their metaphorical drum about rate hikes being ‘just around the corner’ for what seems like an eternity. It reminds me of Aesop’s famous fable where the boy cries wolf so often that it starts to become meaningless. Sound familiar? Perhaps it’s time for a little less talk and a lot more action…on the part of community banks and credit unions.Here’s the deal. For the last few years, community banks and credit unions have been eagerly anticipating the smallest blip in interest rates that will bolster margins. We’ve been awaiting the return to acceptable levels of employment and inflation, while making sure the stars align so we could see a meager uptick in earnings. Furthermore, the Fed, with their frequent wolf cries, has been teasing the industry insinuating possible light at the end of the tunnel. The latest results of our September meeting indicates… that was a lie. Realistically, and to cut the Fed some slack, timing probably isn’t best for the economy to undergo a rate hike. So what should financial institutions do? Should we retreat back to our offices, complaining about the “darn Fed” and their status quo decision making policy while silently crying inside and wondering what the next meeting will bring? OR, do we forgo our crystal ball and predictions about what the Fed will do? Community banks and credit unions should make a commitment to step outside the box and look for alternatives to drive revenue, improve performance, and grow earnings in ways you can control. continue reading »last_img read more

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England hope to turn tables in second Springboks Test

first_imgThey looked to be heading for a handsome first Test triumph when leading by 21 points after just 18 minutes in Johannesburg only to collapse and lose 42-39.To get their minds off a fifth consecutive beating this year, the players opted for a snakes-and-spiders show.“We had a reptile show and a barbecue so that the boys could get their minds away from what happened in Johannesburg,” said defence coach Paul Gustard.“There were some long green snakes, some long black-and-white ones too. The players chose to do it and organised the show.South African captain, Siya Kolisi (R), and flanker Pieter-Steph du Toit, seen during a Springboks training session at St Stithies College in Johannesburg, on May 28, 2018 © AFP/File / Christiaan Kotze“They reacted differently to the slippery guests. Some seemed comfortable close to the snakes while others were quite nervous.”Head coach Eddie Jones hopes the reptilian diversion works as he tries to snap a run of defeats since February by Scotland, France, Ireland, the Barbarians and South Africa.While his position does not appear to be in immediate danger, the Australian knows he was hired to transform England into world rugby heavyweights, not bumbling middleweights.Media reports suggest all may not be well in the England camp with Gustard leaving after the tour — the latest departee from the coaching staff.The training methods of the Australian have also come under fire from an English club boss with 15 players returning injured from camps since Jones took charge two years ago.But the most pressing problem is on the field with England winning 24 of 25 Tests under Jones before failing in the last four.He wants England to dominate South Africa early on at the 45,000-capacity Free State Stadium in central South Africa, but not crumble this time.“When you win like South Africa did last Saturday you go into the next game with a bit of confidence so we have to make sure we dent that confidence early on,” he said.“Bloemfontein lies at altitude and the ground is very fast. It has an average of 60 points per Test so we are anticipating an ebb-and-flow game like we had in Johannesburg.“We were brilliant at times early on in the first Test. Perhaps we got a bit seduced by our start, leading to uncharacteristic and costly errors.”Jones resisted calls from some pundits to wield the axe mercilessly, making two changes to the starting line-up, both in the pack.Flanker and former captain Chris Robshaw is dropped for the first time by Jones, making away for New Zealand-born Brad Shields, who gives England an extra lineout option.The other change was expected with lock Joe Launchbury, fit after a calf injury, taking the place of Nick Isiekwe.South Africa coach Rassie Erasmus also makes two changes and, like England, they are both among the forwards.Frans Malherbe takes over at tighthead prop from Wilco Louw, who is “punch-drunk” from playing so much rugby this year, according to Erasmus.And the Springboks hope to counter the height of Shields at the back of lineouts by selecting lock/flanker Pieter-Steph du Toit as a loose forward.“I guess the second Test will be even more intense because both teams are so desperate for victory. We would like to seal the series and England want to keep it alive,” Erasmus said.“We are playing at altitude again, although not as high as Johannesburg. The faster the pace of the game, the more space that will open up.“I expect England to be smarter and sharper. Eddie (Jones) is sure to have a few tricks up his sleeve.”0Shares0000(Visited 1 times, 1 visits today) 0Shares0000England’s winger Brad Shields (R), seen with teammtes during the captain’s run at the Saint Stithians College in Johannesburg on June 8, 2018, on the eve of their first Test match against South Africa © AFP/File / Christiaan KotzeJOHANNESBURG, South Africa, Jun 15 – England have turned to snakes as they try and turn the tables on hosts South Africa in Bloemfontein after an extraordinary first match last weekend in the three-Test series.Another defeat Saturday in the second showdown and English dreams of winning a series in the republic for the first time will disappear, reducing the Cape Town Test to a dead rubber.last_img read more

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New laws make dangerously overtaking cyclists an offence

first_imgDrivers who dangerously overtake cyclists on the roads face a fine and penalty points under new laws passed this week.Drivers who do not overtake at a safe distance of at least 1-1.5 metres will now incur an increased fixed charge penalty of €120 and three penalty points.The law took effect at midnight on Tuesday and is expected to be highlighted by the rollout of new signage warning motorists to allow adequate space when overtaking cyclists. The signage includes providing for a one metre distance overtaking space (in locations with speed limits less than 50km/h) and 1.5 metre distance (where speed limit exceeds 50 km/h). Chief Superintendent Paul Cleary said: “Cyclists are one of the most vulnerable road user groups and tragically this year there have been 9 cyclists killed on our roads, compared with 8 at this point last year. “An Garda Síochána therefore welcomes these new measures which increases the penalty for drivers that put cyclists at risk and also the suite of educational measures to change driver behaviour. Drivers must give cyclists room to cycle safely, especially when overtaking.”  New laws make dangerously overtaking cyclists an offence was last modified: November 14th, 2019 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

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India put in to bat by England, Shikhar Dhawan dismissed by James Anderson

first_imgIndia’s Shikhar Dhawan leaves the field after being dismissed during the second test cricket match against England at Lord’s cricket ground in London on July 17, 2014. ReutersShikhar Dhawan has been dismissed by James Anderson in the first innings of the second of the five-match Test series between England and India at Lords on Thursday. Anderson bowled one outside the off-stump in the third-over of the innings and Dhawan edged it to second slip, where it was taken by Gary Ballance.England captain Alastair Cook won the toss and put India in to bat on a very green Lord’s wicket.Both India and England went in to the match with same squads like the first Test at Trent Bridge which ended in a draw.Players’ listEngland: Alastair Cook (captain), Sam Robson, Gary Ballance, Ian Bell, Joe Root, Moeen Ali, Matt Prior, Ben Stokes, Stuart Broad, Liam Plunkett, James AndersonIndia: Murali Vijay, Shikhar Dhawan, Cheteshwar Pujara, Virat Kohli, Ajinkya Rahane, Mahendra Singh Dhoni (captain), Ravindra Jadeja, Stuart Binny, Bhuvneshwar Kumar, Ishant Sharma, Mohammed Shamilast_img read more

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Virat Kohli happy to stay away from cricket after hectic season

first_imgStar India batsman Virat Kohli is making good use of his time off the cricket field. After enjoying unprecedented success at the recently concluded ninth edition of the Indian Premier League, where he scored a record 973 runs, including four centuries, to lead Royal Challengers Bangalore to the final, Kohli is now set to lend his voice for the official anthem of Premier Futsal, of which he is the brand ambassador. (Also Read: Virat Kohli rated more marketable than Lionel Messi)Premier Futsal on Monday unveiled musical maestro AR Rahman as the composer of the league’s official anthem ahead of its inaugural season. (Also Read: ‘Virat Kohli is more aggressive than Sachin Tendulkar’)This is the first time that the Oscar-winning composer is lending his musical genius to a franchise-based sports league in the country.The anthem, titled ‘Naam hai Futsal’, will be released with a video featuring Kohli on June 20.Revealing little details about the song, the ‘Mozart of Madras’ said Kohli’s part will be a rap. (Virat Kohli should replace MS Dhoni as India captain in ODIs, T20Is: Ravi Shastri)”We’ve been working on the song for a week. Virat’s portion will be a rap… I will make it easier for him,” said Rahman.advertisement”The lyrics for this song are in English, and we’ve been working on it for a week now – not sure how it’ll turn out yet! The track isn’t all rap though; it’ll have a mixture of other elements as well,” he added. (Also read: Every batsman should learn from Virat Kohli, says Suresh Raina)KOHLI A RAHMAN FANOn his part, Kohli said: “Many of my childhood memories have a connection to the tunes of this man. I know how to prepare for cricket, but I have no clue about a recording session.””During any cricket game, the only song that gets everyone together is Vande Maataram – the version Rahman composed,” he added.The five-a-side variant of football was launched amid much fanfare earlier this year and Rahman’s association with it adds further gloss to the league, which already boasts Portugal football legend and former World Player of the Year Luis Figo as President.Premier Futsal is set to take place in India from July 15-24 with each game split into two halves of 20 minutes each.KOHLI NOT THINKING OF WEST INDIES YETKohli’s next assignment will take him to the West Indies in July, for a four-Test series but the 27-year-old said he was not thinking of strategies and team combinations yet. (Also read: Self-belief, aggression key to Virat Kohli’s success: Rohit Sharma)He has played international cricket non-stop since October when South Africa came visiting for a three-match T20 series, a five-match ODI series and a four-Test series. India then travelled to Australia for an ODI and T20 series before returning home to play Sri Lanka in a T20 series, which was followed by the Asia Cup T20, the World T20 and the IPL. Kohli was only given a week’s rest when the selectors decided to let him catch up his breath during the T20 series against Sri Lanka.”I am enjoying time off the game. Sometimes, it feels good to stay away from the game. It’s always nice to sit back and relax. Honestly, I haven’t thought about team composition and other stuff. I have to see the conditions there and then we can decide whether we want to go in with five bowlers or four bowlers,” the 27-year-old said at a press conference on Monday. (Also Read: Kohli in the middle of a dream run: Muttiah Muralitharan)Kohli has enjoyed wild success after taking over as India’s Test skipper after MS Dhoni retired from the five-day format in December 2014, leading the team to historic series victories over Sri Lanka and South Africa.last_img read more

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10 months agoLiverpool midfielder Fabinho proud of Mane assist

first_imgLiverpool midfielder Fabinho proud of Mane assistby Paul Vegas10 months agoSend to a friendShare the loveLiverpool midfielder Fabinho is delighted after his assist for Sadio Mane’s opener in victory over Manchester United on Sunday.The Brazilian laid on his first goal for Liverpool before turning in a dominant display that led to an eventual 3-1 victory.“It’s a thing I always try to perfect, to train,” Fabinho said of his chipped pass. “I get a lot of [the] ball, in a position that normally the opponent’s defence is making the move outwards, and our attackers are getting in.“I saw Mane making the sign with his hand and I launched it.”It was a good pass.” About the authorPaul VegasShare the loveHave your saylast_img read more

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10 months agoBarcelona boss Valverde: I’m as much a photographer as a coach

first_imgBarcelona boss Valverde: I’m as much a photographer as a coachby Carlos Volcano10 months agoSend to a friendShare the loveErnesto Valverde admits he regards himself as much as a photographer as a coach. The Barcelona trainer has spoken about how important it is for him to take advantage of the time he has to work with his cameras.”It’s clear that photography is a way to escape, but it’s not a hobby for me, it’s something very serious in my life,” he said to La Vanguardia.”When I was 17 years old, playing at Alaves, I was studying to get an industrial masters in electronics, a job that I never practiced.”At that time I liked to take photos but more as a hobby, until one day, with my first salary as a footballer, I asked a friend to bring me a camera from the Canary Islands.”It cost me 40,000 pesetas, I remember perfectly.”Valverde gets emotional when he talks about the various stages of picture taking.”That moment when you are in the laboratory and you smell acetic acid, a fixative, the developer that you have mixed yourself at home…” he continued.”You turn off the light inputs and you put the red light bulb on, you put the paper in the bucket and you see the image come out, that moment is amazing.”Though he is well known as an ex-football player and coach, Valverde defines himself as a photographer.”I am a trainer as well as a photographer,” he added.”I like to educate my eyes a lot by looking at books and I admire those photographers who have the patience to wait for good light and perfect a good frame.”I’m more immediate and visceral and I’m also nonconformist with my work.”I want my photos not to be very comfortable or friendly, I want my work to be different.” About the authorCarlos VolcanoShare the loveHave your saylast_img read more

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Rutgers Commit Marques Ford Makes It Clear He Wouldn’t Re-Consider Tennessee

first_imgA general view of Rutgers football stadium.NEW BRUNSWICK, NJ – NOVEMBER 19: A general view during the first half of a game between the Cincinnati Bearcats and Rutgers Scarlet Knights at Rutgers Stadium on November 19, 2011 in New Brunswick, New Jersey. (Photo by Patrick McDermott/Getty Images)Gibsonton (Fla.) East Bay defensive end Marques Ford was committed to Tennessee for six months until losing his scholarship on Jan. 21 due to a numbers crunch in the Vols’ class. Ford rebounded by committing to Rutgers two days later, and indicated after his official visit to RU this weekend that he planned to sign with the Scarlet Knights.Because Tennessee lost a commitment from four-star running back Kendall Bussey this afternoon, some Vols’ fans on Twitter broached the idea of trying to bring Ford back into the fold, but the four-star recruit dismissed any notion of that tonight.All this talk about me going back to Tennessee and im just like ..  #CHOPNation— 5⃣6⃣ (@Marques_Ford) February 3, 2015Even with Bussey de-committing, it’s doubtful Tennessee would have tried to move back in on Ford. If they did, he indicated he wouldn’t be interested. Somehow, I think this one works out well for all parties: UT still has a highly-rated class under Butch Jones, Rutgers head coach Kyle Flood lands a talented four-star and Ford ends up in a place where he is clearly wanted.last_img read more