Help your members avoid these mistakes

first_imgI read an excellent article on the online version of the Housing Wire about the 8 common mistakes that first time home buyers make and how to avoid them. It gave some practical advice to home buyers about what to do and more importantly not to do. There’s something to glean from this in terms of being memberlicious. Learn more by reading on….The first two mistakes are the ones I think Credit Unions are best positioned to help members avoid when buying their first home.#1. They don’t watch their finances before buying a home.and# 2. They don’t take the time to get pre-approved before house hunting.How do you help with this? Well think about what a borrower needs to know and remember that you do mortgage loans every day and that a first time home buyer is just that “it’s the first time they’ve done this.”A good way to think about this from the member’s point of view would be to consider how you train rookie originators. What do you train them on? You train them on how to get members qualified for a home loan and what the underwriting requirements are. Turn that training into tips for members. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Don’t share products, share stories!

first_imgIn today’s digital age, consumers use on average 8.9 sources of information when making banking purchase decisions. But what is still their most influential source?… Human interactions, including talking in person with a financial representatives and referrals from friends and family.Members and potential new members don’t want to be sold to, they want to build relationships with people, they want to connect with friends and family. And Credit Unions can have a place in this kind of interaction, through storytelling.Telling your member’s stories is critical to the future of your Credit Union growth strategy! What really impacts new member behavior is when a member shares a debt consolidation or bankruptcy nightmare that the Credit Union helped them solve. Or the college loan that came through when they thought they were out of options.These are the stories we hear every single day working with Credit Union staff, and these stories need to be told more often! continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Valley Stream Woman Killed in Car Crash

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 22-year-old Valley Stream woman died after the car she was riding in crashed in Queens early Tuesday morning.New York City police said Patina Deygoo was riding in the backseat of a Nissan that crashed into a tree while heading eastbound on Nassau Expressway near the exit for John F. Kennedy International Airport at 3:19 a.m. Tuesday.The driver and two passengers in the car were taken to Jamaica Hospital, where Deygoo died, the driver is listed in critical condition and the other passenger is in stable condition.No other vehicles were involved in the crash. The other two victims were only identified as 26-year-old women.The NYPD’s Highway Collision Investigation Squad is continuing the investigation.last_img read more

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The year-round airline Rijeka – Munich is introduced

first_imgThe 47th session of the Tourist Council was held at the Ministry of Tourism yesterday. The decision of the Tourist Board provided additional funds for the implementation of strategic marketing campaigns in emitting markets in 2019 for advertising in cooperation with Croatia Airlines and the Kvarner Tourist Board, which provides funds for this cooperation in the same amount as the CNTB. These are funds that will help establish the year-round Rijeka-Munich airline. Until now, Rijeka has been connected to Munich via Croatia Airlines on Thursdays and Sundays from October 28.10.2018, 30.3.2019. to XNUMX, and in accordance with the new financial resources, the foundations have been laid for the mentioned airline to become year-round. Also, the arrival of Air Serbia at Rijeka Airport has been confirmed, so a direct line will be introduced from June. Rijeka – Belgrade Rijeka Airport marked 2018 as the year in which it broke all historical records, achieving a total traffic of 183.606 passengers (an increase of 30%), which is the largest percentage increase in traffic of all airports in Croatia. In January this year, Rijeka Airport has already confirmed four new airlines for the 2019 summer season, Lufthansa, Volote and TUI, which will fly to 3 new destinations (London Gatwick, Manchester and Marseille).last_img read more

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Public call for development of less developed areas of Istria published

first_imgThrough this measure, for which a total of HRK 210.000 has been allocated and the maximum amount of individual support is HRK 50.000, only costs for improving environmental standards, accessibility and stay during the event, and aesthetic decoration and upgrading of the event are co-financed.  The general goals of this program are the balanced development of Istria, the development of year-round tourism and strengthening the destination brand. The program implements two measures – raising the quality of tourist events and the development of tourist products. The deadline for submitting applications is February 10, 2020, for more details on the public call, find out HERE Cover photo: Dejan Hren A) RAISING THE QUALITY OF TOURIST EVENTS IN TOURIST LESS DEVELOPED AREAS OF ISTRIA B) DEVELOPMENT OF TOURIST PRODUCTS AND SPECIAL INTEREST PROJECTS IN LESS DEVELOPED TOURIST AREAS OF ISTRIAcenter_img Through this measure, grants are granted for the development of public tourism infrastructure and selective forms of tourism such as outdoor and active tourism, ie cyclotourism, and cultural and eno-gastronomic tourism, and for projects that valorize indigenous values, Istrian tradition, culture and customs.  The Administrative Department for Tourism of the County of Istria has published a Public Call for Grants under the Program for Encouraging Tourist Events, Projects and Products in Less Developed Areas in 2020. A total of HRK 120.000 has been set aside for this measure and the maximum amount of individual support is HRK 50.000, and only the costs of arranging, equipping and marking bicycle, hiking, mountaineering, educational and other themed trails (brown signalization is not included), picnic areas, climbing areas, lookouts are co-financed. , caves, and other points of interest, museums, theme houses, the introduction of bike-share services, bike services, bike parks, and the installation of bicycle counters in less developed tourist areas.  This measure encourages raising the quality and improvement of tourist events of regional importance which are held in at least 3 or more locations, ie places, municipalities of Istrian cities, and which are primarily held outside the main tourist season and promote indigenous products, local performers, traditions, customs and values. last_img read more

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Home port as a strategic commitment of the Dubrovnik Port Authority

first_imgThe Port of Dubrovnik Authority has agreed with the Ritz Carlton Yacht Collection on a new home port, which should start at the beginning of the next tourist season.  Photo: Dubrovnik Port Authority Out of a total of 26 cruises, 84,6% of trips were realized in Dubrovnik-Neretva County, while the remaining 15,4% of trips were realized in Istria County. The problem of large crowds due to the simultaneous entry of up to seven cruisers from which 10 passengers would go on a tour of the city at once, will not be repeated. In the first nine months of 2020, the number of cruises for foreign cruises in Croatia decreased by 95,4%, as a result of the coronavirus pandemic. Also, the number of passengers on these ships compared to the same period in 2019 is lower by 99,5%. It is a newly built ship EUR 26.500 BT, which is 190 meters long and can accommodate up to 300 passengers, reports the portal Dubrovnik Diary. The Mayor of Dubrovnik, Mato Franković, announced in the show of journalist Peter Greenberg ‘The Travel Detective’ that in the future, a maximum of two cruisers will be allowed to enter Dubrovnik at the same time. This is the result of the City’s agreement with the largest cruise companies in the world, gathered in the CLIA association at the end of 2018. But as all conditions are defined at least two years in advance, the now agreed negotiation items are entering the implementation phase. This year, only 26 cruise cruises were realized  The arrival of the first cruiser with American guests is scheduled for January. It is a luxury small cruiser that would come to Dubrovnik for the first time since 2021 in a home port arrangement. So far, two meetings have been agreed, and we expect additional announcements soon, said the director of the Dubrovnik Port Authority. Blaž Pezo for Dubrovački dnevnik and added that in addition to this company, home port operations in Dubrovnik will be performed by ships that have previously used the port of Dubrovnik as a home port such as Marella Explorer 2, La Belle de l’Adriatique, Crystal Esprit, Sea Dream I, Sea Dream II and Viking Star. The ship Evrima should arrive in Dubrovnik for the first time in mid-June. Home port as a strategic commitment of the Dubrovnik Port Authority Two cruisers in the Port at the same time Home port operations are our strategic commitment and we want to develop it because these are the passengers who most often pass through our airport and stay in our hotels, Pezo emphasizes, explaining that these are not one-day visitors who were most called in terms of crowding. on city roads during the summer months. last_img read more

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Indonesian manufacturers step up as G20 nations coordinate global medical supply

first_imgThe Trade Ministry issued a regulation on Tuesday to temporarily scrap all requirements for importing protective gear and medical equipment to reverse the shortages of such items in Indonesia.Carmakers around the world are shifting gear to producing hospital ventilators and respirators to combat the novel coronavirus using 3D printing. Ford, General Motors, Ferrari and Nissan have been listed, on top of General Electrics and 3M Co.”Indonesia could also have a chance [to produce more medical equipment] because Indonesia has the capacity to supply protective gear, hand sanitizers and so forth,” she said.One Indonesia-based start-up called Nusantics is preparing to make 100,000 COVID-19 test kits. A prototype will be complete within three weeks, according to the company’s investor East Ventures. “Right now, it is difficult to get tested for the coronavirus as it keeps spreading throughout the nation,” East Ventures cofounder and managing partner Willson Cuaca told The Jakarta Post. “That is why we want to help the start-up achieve this goal.”Read also: Indonesian start-up to make COVID-19 test kitsTextile factories in Indonesia are switching their production lines to produce personal protective equipment (PPE) for medical personnel, including mass-producing masks and protective coveralls. Members of the Indonesian Textile Association (API) have committed to producing 1 million washable masks, according to PT Pan Brothers deputy CEO Anne Patricia Sutanto.“The workers were initially flabbergasted by our decision. They asked me ‘Bu, we are a garment exporting company, how can we produce masks and coveralls?’ but I told them this is a humanitarian emergency and we did it,” she told the Post on Thursday.Textile company PT Sri Rejeki Isman (Sritex) started to produce coveralls for medical workers in late January and started delivering the products in the first week of February, the company’s spokesperson Joy Citra Dewi said.“We use a specified waterproof and antimicrobial material that we’ve developed for the PPE,” Joy told the Post in a written statement, while declining to disclose the number of coveralls produced by the company.Meanwhile, Pan Brothers has agreed to produce 20 million washable masks and 100,000 jumpsuits by April, which have been ordered by the government and retailers as demand for PPE skyrocketed.The Trade Ministry had previously banned the export of face masks, hand sanitizer, protective medical gear and raw materials through Trade Ministry Regulation No. 23/20020 to ensure a sufficient domestic supply.Read also: Indonesia calls on G20 to improve access to medical needs, better social protectionWorld Health Organization director-general Tedros Adhanom Ghebreyesus addressed the G20 to seek support for boosting funding and production of PPE for health workers amid the global shortage, urging nations to remove export bans.”We have a global responsibility as humanity and especially those countries like the G20,” Tedros told a news conference in Geneva on Wednesday. “They should be able to support countries all over the world.”The number of COVID-19 cases in Indonesia quadrupled within a week, jumping from 172 positive diagnoses on March 17 to 893 on Wednesday. The number of deaths was 78, with the disease spreading to at least 27 of the country’s 34 provinces. Globally, the pneumonia-like illness has infected more than 537,000 people with over 24,000 deaths. (mpr)Topics : Indonesia’s latest move is intended to help Indonesia’s health workers, doctors and nurses who have been treating COVID-19 cases since mid-February despite many of them having inadequate protection. The Indonesian Medical Association (IDI) announced over the weekend that five doctors had died of the illness, in addition to a nurse who died of COVID-19 on March 12.In the broader context, every country has experienced scarcities in medical equipment like test kits, protective gear and ventilators, whether they were in Europe, Indonesia or the United States, Sri Mulyani said.Following such an appeal, Chinese President Xi Jinping has expressed a commitment to ramping up its production capacity for medical equipment. He also offered G20 countries knowledge-sharing and experience in handling domestic production amid supply chain disruption.Read also: G20 leaders to inject $5 trillion into global economy to fight coronavirus Indonesia is set to support manufacturers with the capacity to produce the desperately needed protective gear, test kits and ventilators that are crucial in the worldwide global fight against COVID-19 as G20 nations pledge to focus on saving lives.Finance Minister Sri Mulyani said on Thursday that the government would identify such companies and “see to their needs” for raw materials and other requirements in order to increase their production capacity and restore the supply chain. Globally, the International Monetary Fund (IMF) and the World Bank will prioritize support for companies that can supply such medical equipment.”The focus of [G20] leaders is saving human lives because this is not only a health problem but also a tragedy for humanity,” Sri Mulyani told a teleconferenced media briefing after a virtual extraordinary G20 Leaders’ Summit on Thursday evening Jakarta time. President Joko “Jokowi” Widodo, Foreign Minister Retno LP Marsudi and Sri Mulyani represented Indonesia in the meeting.last_img read more

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Today’s cannabis increases health harms – new study

first_imgMedia Release 28 May 2020A new study just published in the journal JAMA Psychiatry has found that the use of high-potency cannabis was associated with a significant increase in the frequency of cannabis use, likelihood of cannabis problems, and likelihood of anxiety disorder.  In addition, high-potency weed users are more likely to use weed at least once a week, twice as likely to have used illicit drugs within the past 12 months, and more than three times as likely to be tobacco smokers.The study involved more than 1,087 UK residents who reported marijuana use in the past year, using data from the Avon Longitudinal Study of Parents and Children (ALSPAC).The researchers say that this study provides the first general population evidence suggesting that the use of high-potency cannabis is associated with mental health and addiction.Significantly, the study defined high potency as “typically ≥10% THC”. According to the proposed New Zealand legislation, THC levels (the psychoactive chemical in cannabis) are initially set at 15% THC for smoking.This is significantly higher than the Woodstock Weed of 2-4%. But as we know, when the potency is limited, this will simply empower the black market and the gangs who will provide high-THC products demanded by users.“This latest study simply reinforces what we already know. The use of cannabis is associated with increased risks of a number of adverse outcomes including educational delay, welfare dependence, increased risks of psychotic symptoms, major depression, increased risks of motor vehicle accidents, increased risks of tobacco use, increased risks of other illicit drug use, and respiratory impairment.”“At a time when New Zealand’s mental health system is bursting at the seams, why would we go and legitimise a mind-altering product which will simply add to social harm?”ENDSlast_img read more

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UCL: Man City seal Round of 16 place

first_imgRelatedPosts Aguero could be out of action until November, Guardiola says David Silva recovers from COVID-19 Man City top players test positive for coronavirus Manchester City played out a tame 1-1 draw with Shakhtar Donetsk to claim their place in the Champions League knockout stage for a seventh consecutive season.Ilkay Gundogan’s second-half strike was cancelled out by Manor Solomon as City failed to spark at the Etihad Stadium but, with Dinamo Zagreb losing to Atalanta, the result was enough to secure top spot in Group C.There was little else to excite amid a flat atmosphere but Shakhtar’s performance kept their hopes of joining City in the last 16 very much alive.As usual, City enjoyed a lot of possession but they lacked their usual potency while Shakhtar were not cowed by their failure to make much of an impression in their previous games against their hosts.The Ukrainians, paired with City for a third consecutive year, were beaten 3-0 by Pep Guardiola’s men in September and thrashed 6-0 on their last visit to the Etihad Stadium a year ago.They were determined and caught City a number of times with what seemed like a plan to lob balls over the top of the home defence.Ederson raced out of his area to meet one such pass but completely missed the ball allowing Tete to break clear, but the Shakhtar forward’s shot was turned behind by Fernandinho.Tete had another run snuffed out by Ederson before he tested the keeper with a long-range strike.Another long ball over the top presented a chance for Alan Patrick but he blazed well over.City’s opportunities were limited despite their control of much of the play. Raheem Sterling volleyed wide but was offside anyway, Joao Cancelo curled a shot wide and Nicolas Otamendi headed at Andriy Pyatov before shooting over from 30 yards. Gundogan also had an effort deflected wide.City finally made the breakthrough after 56 minutes. Gabriel Jesus was unable to get on the end of a through ball but was a alert enough to poke the ball away from Pyatov as he tried to gather.He found Gundogan to his left and the German found the net through a crowded area.Yet any hopes that would kill off the visitors were wide of the mark as Shakhtar responded well and drew level 13 minutes later.Dodo got behind the City defence on the right and pulled the ball back for Solomon, who had come off the bench just moments earlier, and he struck with a ferocious finish.Jesus again did well inside the box as City pushed to reclaim the lead, reaching the byline and pulling the ball back for substitute David Silva to shoot.The Spaniard found the target but, after Pyatov, took off some of the pace, Serhiy Kryvtsov cleared off the line.Sterling then volleyed wide in the closing minutes but City seemed happy to play out the draw.Fernandinho was booked for a bad challenge late on, earning a suspension for next month’s dead rubber against Zagreb.Tags: Manchester CityShakhtar DonetskUCLlast_img read more

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Maloney not relying on surprise

first_imgShaun Maloney does not think the Republic of Ireland will be fooled again by another Scottish set-piece ploy. But with the teams set to do battle again in Saturday’s crucial Euro 2016 qualifier in Dublin, Maloney believes Martin O’Neill will have his team on red alert for any more Scottish slight of hand. The 32-year-old said: ” I think it will be a similar match on Saturday to the last one but I can’t see a set piece like that happening again. “Have we got any more tricks up our sleeves? We haven’t actually started working on the set-pieces yet but I just can’t see that happening again, t here is so much footage on every team nowadays. ” It was a special moment for the team and myself but I’m hoping there’s going to be more and a positive end to the qualifying campaign. “That goal hasn’t really been shown much out in the US where I’m playing at the moment so I haven’t really watched it. I probably haven’t seen it again since that night. After moments like that sleeping is a bit of struggle. But I hope that it means something come the end of the group. “We’d take any of our players to score the winner in Saturday’s game. It’s such an important match for both sides, particularly the home side. It doesn’t matter how you score – whether you play brilliantly as a team or you’re solid and get a set-piece goal, we’d take either.” Scotland trail Group D leaders Poland by just a point, while only goal difference edges Germany ahead into second place. Victory at the Aviva Stadium, however, would move Gordon Strachan’s team five points clear of the Irish and crucially keep the Scots on track for next year’s finals in France. “In terms of the group and the context of the match it would be a massive result if we could win,” said Maloney. “We felt the pressure in the home game because we knew it was so important. It’s a little bit less this time for us because we are away but it would be a similarly fantastic feeling [to win]. “Ireland are going to be a very hard team to beat again and we’re expecting a really hard match.” Maloney was speaking 17 years to the day since Scotland last kicked-off at a major tournament. Four European Championships and just as many World Cups have followed since without the Tartan Army’s presence. But with the memories of that day in Paris when Craig Brown’s side opened the 1998 World Cup with a 2-1 loss to Brazil still vivid in his memory, Maloney is desperate to provide the Scottish support with a fresh opportunity to cross the Channel. He said: ” I think for everyone involved, ’98 feels so long ago. I was about 15 and would’ve been in Aberdeen watching it at mine or one of my friends’ houses. I always remember them turning up in their kilts – that’s the abiding memory. “It would be a huge occasion for us to make these Championships I think that’s why everyone feels so positive. “This is probably the best that we’ve started a group. We got pretty close under George Burley in the 2010 World Cup qualifiers when we came within a couple of points of making the play-offs. “But in a lot of previous campaigns but we’d be out of it now. I think with the start we’ve had this time we’ve given ourselves a chance. In the next four or five games we’ll have to play as well as we started – if we do, we’ll make it.” Maloney has netted in Scotland’s last three qualifiers – or four if Georgia’s Akaki Khubutia does not want the own-goal credited to him back in October. But whatever the tally, Maloney feels he will have to keep up that level of form to hold on to his starting slot for the campaign run-in. “I couldn’t really claim the Georgia goal,” he said with a smile. “But I’ve been pretty pleased with how I’ve played with Scotland. The biggest difference now is that we’ve got so many good players. “Every player has to train and play as well as they can because everyone knows here that if you don’t perform then there is another player ready to play.” The Chicago Fire playmaker proved to be the Dark Blues’ match-winner the last time the teams met in November. He swept home the only goal of the game at Celtic Park after a clever corner routine with Scott Brown cut the Irish defence wide open. Press Associationlast_img read more

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