A network in a time of need: Credit unions go national when disaster strikes

first_img“One of the most important things in a disaster for a credit union member is still feeling connected with their credit union,” Fagan said. “Having control of their financial life is such an important component of dealing with uncertainty and with tragic events like hurricanes and wildfires.”Credit union membership is a unique relationship in the financial services ecosystem. Members place a particularly high premium on trusting that their CU will be there for them when they need it most. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »center_img If we take only one lesson away from 2020, it’s that disasters are going to happen. However, knowing what form those disasters will take and when they will occur is virtually impossible. A year ago, no one would have predicted that the United States would face a deadly pandemic, a massive Gulf Coast hurricane and wildfires engulfing the West Coast. And yet here we are.PSCU CEO Chuck Fagan told Karen Webster in a recent conversation that his company has spent much of this year helping credit unions (CUs) navigate these disasters and challenges. Those efforts culminated with the National Credit Union Foundation’s recent launch of the CUAid Disaster Recovery App, in collaboration with PSCU.last_img read more

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27 facilities in Zagreb County received the Cyclist Welcome Quality quality standard

first_imgAfter the adoption of the Operational Plan for the Development of Cyclotourism in Zagreb County until 2020, the Zagreb County Tourist Board decided to identify and additionally market facilities that offer catering, information and other tourist services intended for cyclists, and organize and network them into an integrated tourist product.With the aim of positioning Zagreb County as a cycling tourist destination of high quality service, and based on insights into examples of good practice of European cycling tourist destinations, quality standards have been developed in cooperation with RAM DC doo Cyclist Welcome Quality, stand out from the Zagreb County Tourist Board.Thus, in the area of ​​Zagreb County, conducted by evaluation, 27 facilities met the conditions for entry into Cyclist Welcome network, and they were handed plates with the official visual identity and categorization marks with a gift set of basic equipment for bicycle service.List of buildings in Zagreb County – Cyclist Welcome Qualitylast_img read more

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Payment platforms should help SMEs go digital: McKinsey

first_imgChaudhuri said some governments, especially those from emerging markets such as Indonesia and Mexico, had supported the move to digitize payment.Indonesian small businesses, which account for more than 60 percent of gross domestic product (GDP) and employ a majority of the labor force, have been hit by the COVID-19 outbreak, as the economy shrank 5.32 percent year-on-year in the second quarter this year.A separate Mandiri Institute study shows that digitalized micro, small and medium enterprises (MSMEs) can help Indonesia significantly reduce the GDP impact of the pandemic.The government aims to have 15 million merchants using the Quick Response Indonesia Standard (QRIS) as a payment option by the end of the year, including SMEs. It also aims to have 10 million small businesses board digital platforms to ensure their survival amid the pandemic. Read also: Govt bootcamp to prep 30 startups to give SMEs a digital leg upBank Indonesia (BI) has recorded around 3.6 million micro, small, and medium enterprises (MSMEs) using QRIS as a payment platform, making up 94 percent of merchants that currently use QRIS, it announced on Wednesday.BI is also pushing for digital onboarding for MSMEs by developing the digital ecosystem and developing the financing access through their financial management application for MSMEs called SI-APIK, the central bank statement reads.E-wallet LinkAja CEO Haryati Lawidjaja also said digital payment platforms could offer various services such as marketing and access to funding for SMEs.“Bookkeeping and analytics have also become very crucial for SMEs so they can gather accurate insight to make better decisions for business growth,” she told The Jakarta Post on Tuesday.Digital payment service Youtap Indonesia reported that it had seen a five-times increase in users and a 4.5-times increase in transactions from June to September.“The rise in users and transactions is due to the change in the behavior of consumers, who prefer deliveries and cashless payment during the pandemic,” the firm’s CEO Herman Suharto said in a written statement on Oct. 1.The company’s data showed that 57 percent of cashless payments came from street stalls, restaurants and other culinary business followed by warung (small kiosks) at 20 percent, traditional markets at 8 percent and other services such as laundry with 7 percent.The cashless payment trend is likely to continue past the pandemic era, McKinsey notes.“Even when some countries have lifted their lockdown measures, people still use cashless payments,” McKinsey partner Olivier Denecker said during a press briefing on Oct. 2. Topics :center_img Cashless payment platforms can offer additional facilities to help small and medium enterprises (SMEs) to go digital, amid the rising use of cashless payments during the COVID-19 outbreak, management consulting firm McKinsey has stated.“In helping SMEs to digitalize, payment services can offer value-added services such as loyalty programs, digital marketing and payroll processing,” Reet Chaudhuri, a senior expert at McKinsey said during a press briefing on Oct. 2.A recent McKinsey report titled 2020 McKinsey Global Payments Report, showed that global cash usage had decreased 45 percent in over 10 months, showing an accelerated pace of cashless adoption.last_img read more

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Champions Man City to kick off 2019-20 Premier League season at West Ham

first_imgLONDON, England (Reuters) – Champions Manchester City will kick off their 2019-20 Premier League season with an away trip to West Ham United while Liverpool get the ball rolling with a Friday evening home clash against promoted Norwich City.The fixtures, released at 08:00hrs GMT yesterday, also included a meaty first-weekend clash with Manchester United hosting Chelsea, who finished third last season.Tottenham Hotspur, who completed the top-four last season, are at home to Aston Villa, who returned to the top flight via the playoffs after a three-season absence. Arsenal travel to Newcastle United while Sheffield United, the other promoted club, start at Bournemouth.Leicester City host Wolverhampton Wanderers, Burnley face Southampton, Crystal Palace host Everton and FA Cup runners-up Watford are at home to Brighton and Hove Albion.The season starts on Friday, August 9. The upcoming top flight season will be the first to include a brief mid-season break. A set of fixtures will be spread over a two-week period in February, meaning all clubs get a week off.It will also feature the Video Assistant Referee (VAR) system for the first time.Pep Guardiola’s Manchester City, who completed an unprecedented domestic treble last season, have a relatively comfortable start to the new campaign, although they do face Tottenham, who knocked them out of last season’s Champions League in the quarter-finals, at home on the second weekend. They then travel to Bournemouth, host Brighton, visit Norwich then take on Watford at the Etihad.Premier League runners-up and European champions Liverpool’s first six games feature a home match against Arsenal and an away trip to Chelsea.The first game between last season’s title rivals takes place at Anfield on November 9.Tottenham and Arsenal fans will not have long to wait for the season’s first North London derby, with the sides meeting at the Emirates on August 31. Other notable dates include Liverpool’s trip to Manchester United on October 19 and the Manchester derby at the Etihad Stadium on December 7.The season will end on May 17 when City host Norwich, Liverpool are at Newcastle, Tottenham go to Crystal Palace and Chelsea host Wolverhampton Wanderers.City are the bookmakers’ favourites to retain the title, followed by Liverpool, Tottenham and Chelsea. Sheffield United, who have returned to the Premier League for the first time since 2007, are favourites for the drop.last_img read more

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Westhill girls, WG boys fourth at Kirschenheiter indoor meet

first_img Tags: indoor trackMarcellusSolvayWest GeneseeWesthill Jonah Kwasnowski earned fifth place in the 55 sprint, while Kevin Donath got sixth place in the 1,000, Peter McCaffrey was sixth in the triple jump and Ryan White was seventh in the 55 sprint. The Mustangs finished fifth in the 4×200.The Marcellus girls were sixth in the 4×400 as Brielle McShane finished sixth in the 600 and Anella Bolster sixth in the 1,500 and triple jump.Moving to the afternoon session, Westhill’s girls gained 55.5 points for its fourth-place finish, while Solvay was eighth with 25 points, mostly from Isabella Lambert finishing second (30′ 1/2″) and Allison Dooher third (29’11 3/4″) in the triple jump.The Warriors were fourth in the 4×200 in 2:07.06, fourth in the 4×400 in 4:46.11 and fourth in the 4×800 in 11:56.83, with Colleen Patrie fourth in the shot put with 26’3 1/2″, ahead of Solvay’s Sophia Guadagnolo (sixth) and Emily Britton (seventh).Corine Allen tied for third in the high jump as she and Abigail Cottrell both cleared 4’3″, with Allen clearing 7’6″ in the pole vault for fourth place.Also, Allen got fifth place in the triple jump, while Za’Myaa Williams was sixth in the 55 sprint and sixth in the 55 hurdles ahead of Caitlyn McIntyre in seventh place as Bishop Ludden’s Sarah Thompson was fifth in the 1,000.Solvay’s boys team earned 29 points, 10 of them from Cole Bagozzi winning the 55 sprint in 6.90 seconds over a trio of Liverpool sprinters and another 10 from X’Zavier Morris earning a winning weight throw of 38’2 3/4″ as Bagozzi, Morris, Trevor Lee and Allen Cawthon were second in the 4×200 in 1:42.64.Share this:FacebookTwitterLinkedInRedditComment on this Story WG’s girls earned a fifth-place finish in the morning session, aided by Sandy Gardino, Abby Kuppinger, Mikeayla DeJesus and Caitlin Mills finishing second (1:52.06) to Institute of Technology Central (1:51.23) in the 4×200 relay.The Wildcats were third in the 4×400 relay in 4:27.12 and fourth in the 4×800, with Sandy Gardino fourth in the 55-meter dash in 7.84 seconds and Olivia Becker fourth in the 55 hurdles in 9.93 seconds. Riley Flynn took fourth place in the 300 and Alexis Rydelek finished fifth in the shot put.Marcellus had 27 points in the boys morning session, with Matt Stearns clearing 8 feet 6 inches in the pole vault to finish second.center_img Two more indoor track and field meets held Saturday at SRC Arena featured most of the area’s teams, with West Genesee’s boys getting fourth place in the morning session and Westhill girls finishing fourth in the afternoon session.The boys Wildcats featured Matt Bartolotta winning the 1,600-meter run in four minutes, 35.72 seconds, just ahead of Peter McMahon, who was fourth in 4:53.81. Bartolotta and McMahon helped WG finish fourth in the 4×800 relay in 9:08.36.Ethan Petrie was fifth and Joe Parisi sixth in the 3,200-meter run, with Chris Moser fifth in the 600-meter run and Connor Scott fifth in the 300-meter dash.last_img read more

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GFA approves Avram Grant’s monitoring program

first_imgThe Ghana Football Association has approved Black Stars coach Avram Grant’s programme of monitoring players in Europe over the next few weeks.Grant travelled to Europe last night – following the approval – to continue with his plans of making the senior national team stronger.With most of the leagues in Europe drawing to a close, the next few weeks offer the perfect opportunity for the Black Stars coach to monitor some players on the periphery of the squad before the season ends.It is important for the coach to monitor the some more Ghanaians players both at home and abroad to create competition and invigorate the Black Stars squad.While Grant is away, Black Stars assistant coach Maxwell Konadu will continue with the monitoring of the local league for the benefit of the technical team of the senior national team.On his return to Ghana, Grant will focus on monitoring the local league for new talents while supporting the activities of the other national teams.   –Follow Joy Sports on Twitter: @JoySportsGH. Our hashtag is #JoySportslast_img read more

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With strong roster in place, Clippers eyeing star free agents to build true contender

first_imgLast summer, the Clippers approached forward Tobias Harris with an offer of a contract extension, one worth $80 million over four years. Harris turned it down, but he was hardly the only piece the team was looking to lock up for a longer term. LA gave two-year deals to guard Avery Bradley ($25 million) and forward Montrezl Harrell, a bargain at $12 million, and gave an in-season extension of three years and $24 million to guard Lou Williams.Additionally, a source told Sporting News, the Clippers also discussed an extension with guard Patrick Beverley, even as he was rehabbing from knee surgery. Like Harris, Beverley opted to play out his final season and test free agency next summer. MORE: How Clippers emerged from “Lob City” era better than everBut the Clippers’ approach to their roster over the past year shows that, even before the team got off to an impressive 16-7 start that has landed them in a tie for first in the West, the franchise was committed to this group of players and foresaw a base from which the rest of a contender could be built.That’s a remarkable turn for the Clippers, expected to need time to dig out of the underachieving wreckage of the Chris Paul-Blake Griffin-DeAndre Jordan era, which overlapped with the ugly, scattershot and tight-fisted reign of former owner Donald Sterling, who was removed in 2014 after recordings of him making racist remarks went public.Turns out, after blockbuster trades to dump Paul and Griffin, plus the free-agent departure of Jordan, the Clippers did not need to do all that much digging. Credit to coach Doc Rivers and general manager Lawrence Frank for recognizing that, and being aggressive in trying to keep the current roster in place.Just before the start of the season, Rivers pointed out that even without the star power of Paul, Griffin and Jordan, the Clippers were nicely set up for both present and future. The team has rebuilt its power structure, added a pair of 2018 lottery picks (Shai Gilgeous-Alexander and Jerome Robinson) and cleared out future cap room to pursue free agents.  “In a strange way, in my opinion, this is the healthiest this franchise has been as far as now and in the future,” Rivers said. “From my vantage point, I love where we are at right now. I look at the totality of what we have done. Think about, when I took over this job and the whole Sterling thing happened, I think we had four people upstairs making decisions. Now we have a group of 20. We’ve never had flexibility, ever. Now we have flexibility.”As a franchise, I think this is the healthiest it’s ever been.”That flexibility could yield the biggest impact in the coming year. The Clippers should have about $50 million in cap space next summer, more than enough to make a run at one of the league’s top free agents.MORE: Four reasons why Mavs find themselves in West playoff raceIn the past two months, as the Timberwolves scrambled to find a deal for guard Jimmy Butler, league sources said the Clippers made no significant push to acquire him, though he listed the Clippers as one of his preferred destinations. Minnesota was reluctant to trade Butler within the conference, and ultimately sent him to Philadelphia.The Clippers were dead-set against sending Tobias Harris to Minnesota in a Butler deal, a decision that’s paid off: Harris is having a career year, with 21.6 points and 8.4 rebounds per game, plus 42.2 percent shooting from the 3-point line. He could be a first-time All-Star this year.LA’s unwillingness to be aggressive in going after Butler was telling. The Clippers did not want to give away their flexibility by committing to Butler long-term before getting a sense of his fit, and they did not want to give up any assets to acquire him. Most of all, Rivers and Frank wanted to see how this team — a nice mix of promising youngsters, a budding star in Harris and tough-minded veterans — came together heading into 2019 free agency.Besides, the Clippers may have bigger targets in their sights. The team is keeping close watch on Kevin Durant’s happiness level with the Warriors and, according to league sources, has every intention of making a pitch to Durant in July. Durant is expected to give the Clippers a hearing. Moving to Los Angeles and setting up a crosstown rivalry with LeBron James and the Lakers is something Durant would at least have to consider. There’s also Raptors forward Kawhi Leonard, a Southern California native who has excelled in Toronto in the early part of the season. Warriors guard Klay Thompson, too, will be a free agent, as will Bucks wing Khris Middleton.The Clippers will need to fork out much more than the $80 million they offered to Harris this summer to keep him in free agency, but they can still sign a top free agent and re-sign Harris. They’ll also look to re-sign center Boban Marjanovic and Beverley, who will also be free agents.It’s a good position for the franchise — set up to be a contender in the near future, but already winning now. Clippers brass foresaw the success. Just look at how they’ve treated their players in the last year-plus.last_img read more

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