20SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bob Dorsa Bob Dorsa is the President of the ACUMA (American Credit Union Mortgage Association) a professional trade association (co-founded by Dorsa in 1996). ACUMA is one of the most unique niche … Web: www.acuma.org Details We can grow our membership, help consumers by differentiating our integrityI suggest that credit unions have an edge. We have worked for decades in relative obscurity, which should work in our favor—emerging as shiny new and clean financial institutions that care about our customers and do everything they can do create excellent customers experiences.How can this help us? Let me explain.Despite the new regulations to protect consumers that followed the 2008 economic debacle, we continue to hear reports about another big bank or lender being fined, agreeing to a settlement and then returning to business as usual.That’s worrisome—or should be—for the consumer who is ultimately footing the bill. If you’re like me, you follow the reports of the settlements, shake your head and ask yourself, “Why do the Big Guys continue to draw the business?”The obvious answer is that consumers aren’t paying attention: “It’s too much work to switch to another financial institution,” they lament. “And how do I know my new PFI isn’t cut from the same cloth?”One very big reason for this line of reasoning is that as credit unions, we haven’t done enough to differentiate ourselves. It’s apparent with annual first-mortgage market share climbing from 2.61% in 2007 to 8.40% in 2014 that credit unions are making inroads. But are we paying attention to the real reasons?Even with the increased market share, CUs have not continued to pound on the integrity theme that proved so successful in the publicity built around Bank Transfer Day.Surveys continue to show that honesty and integrity from their financial institution resonates well for each generation we serve—from Boomers to Millennials.So, yes, differentiation in a market with similar rates and terms can win battles and bring more members. More important, it can benefit those members over the long haul with any number of financial challenges requiring assistance—honest assistance—and care for their overall financial well-being.That’s something that the Big Guys have long since put aside to gain more profits.The time is now. Make it part of your interaction with members, your marketing efforts, your mission statement and value proposition: Integrity and honesty helps solve financial challenges. Credit unions solve problems, not create them. The same can’t be said of many big banks and lenders. It’s a message consumers understand.
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In an incident that highlights how the pandemic has heightened economic disparities, a woman in Jombang, East Java, has resorted to selling her goat in order to buy a mobile phone for her children’s online learning.Karlik, a 41-year-old housewife from Marmoyo village in Kabuh district, bought the phone for Rp 1.5 million (US$102.73). “All lessons have been held online ever since the coronavirus [outbreak]. I had to sell the goat and use my children’s savings to buy a cellphone,” Karlik said on Wednesday as quoted by kompas.com.Karlik’s children also have to go to a neighbor’s house to be able to participate in online learning, since her house does not have internet coverage.Karlik said that she and her husband previously never considered buying a cellphone since internet reception was limited in her village.Read also: Teachers, activists decry educational disparities exacerbated by outbreak “We hope that schools will reopen soon. Studying online is very difficult here since there is no internet coverage,” she said. Marmoyo village secretary Sumandi said that online learning was not efficient for students in his village due to the poor internet.Prior to the COVID-19 outbreak, only a few villagers possessed mobile phones, he said.A 2019 report issued by global mobile communications organization GSMA demonstrated there was a wide digital gap between people living in urban and rural areas. About 45 percent of Indonesians live in rural areas. (dpk)Topics :
3News 24 July 2015Questions have been raised whether country’s support services are effectively targeting those most in need following the release of new research today.The Growing up in New Zealand study says only one in five families whose children could become vulnerable access social support in the child’s first 1000 days of life.University of Auckland associate professor Susan Morton says experiencing “persistent exposure to adversity” in early life has a negative impact on children’s health and behaviour.“It is a real concern to see that the majority of families who are potentially most in need of support during their children’s early years are not connected to social service providers,” she says.The study is following almost 7000 children from before birth until adulthood, and utilises a set of 12 “risk factors”, including:Maternal depressionPoor maternal physical wellbeingMother smoking regularly/daily during and after pregnancyTeenage pregnancyMother with no current partnerMother with no formal secondary school qualificationsReporting highly stressful money problemsLiving in a low socio-economic areaMother actively seeking work but not currently workingLiving in public rental accommodationBeing in receipt of an income-tested Government benefitHaving two or more persons on average per bedroom.http://www.3news.co.nz/nznews/most-vulnerable-toddlers-not-getting-available-help–study-2015072410#axzz3gx9a6FZj
JCD Varsity Track traveled to Trinity Lutheran High in Seymour for a 4 way with Oldenburg and South Decatur.Men – OA 64, JCD 56, SD 54, and TL 36Ladies OA 76, JCD 64, TL 59, and SD 21JCD Highlights: High Hurdles. 3rd – Christian Comer; 100D. 2nd – Adrian Peetz; 1600R. 2nd Damion Hughes, 5th Nathan Laswell, 2nd Elyse Hunger; 400D. 3rd Autumn Hammond 3rd; 800 R. 5th Jarrod Weston, 2nd Elyse Hunger; 200D. 1st Adrian Peetz, 3rd Garrett Boor, 4th Tanner Dilk, 4th Lauryn Dilk, 5th Shaylee Volz; 3200. 1st Damion Hughes, 3rd Nathan Laswell, 1st Elyse Hunger, 2nd Autumn Hammond; Disc. 3rd Luke Comer, 1st Shaylee Volz, 3rd Elizabeth Newhart; Shot. 2nd Shaylee Volz, 3rd Elizabeth Newhart, 4th Kelsey Sebastian; Long. 2nd Garrett Boor, 3rd Christian Comer,4th Adrian Peetz, 3rd Lauryn Dilk; High 1st Garrett Boor, 2nd Christian Comer, 4th Blake Simon, 2nd Dillan Hughes, 5th Taylor Wilhoit; 4×800. 3rd , 3rd; 4×100. 2nd, 3rd; 4×400. 3rd, 3rd.Courtesy of Eagles Coach Larry Hammond.
New Barcelona signing Matheus Fernandes has been speaking in his native Brazil about his future at the club, and he’s hitting all the right notes.Advertisement Read Also: UEFA open to seasons ending early due to COVID-19He will have his work cut out finding space in that position in a Barcelona team that is already well stocked there. He admits in the same interview that returning to Valladolid, where he’s been on loan, may be necessary.Long term, it may well be one of his idols he’s replacing. Sergio Busquets has slowed down dramatically in recent seasons, and is surely just a year or two away from being moved on, despite his immense historical importance to the team.FacebookTwitterWhatsAppEmail分享 The midfielder was asked about his idols in the game, the players whose style he most looked towards, and he named two touchstones of the Catalan club in a way that will earn him plenty of credit with the fans: “I like Sergio Busquets’ way of playing a lot and I always noticed him, Xavi too. I’m going to try to do my best to be able to get closer to the level of these great players, knowing that I still have a lot to learn,” Fernandes said in quotes picked up by Goal.com Loading… Promoted Content6 Interesting Ways To Make Money With A Drone2020 Tattoo Trends: Here’s What You’ll See This Year9 Facts You Should Know Before Getting A Tattoo7 Non-Obvious Things That Damage Your PhoneReal World Archaeological Finds That Would Stump Indiana JonesCouples Who Celebrated Their Union In A Unique, Unforgettable Way8 Things That Will Happen If An Asteroid Hits EarthThis Guy Photoshopped Himself Into Celeb Pics And It’s Hysterical7 Universities In The World Where Education Costs Too MuchThe 10 Best Secondary Education Systems In The World12 Flicks That Almost Ended Their Stars’ Careers10 Popular Asian Actresses That Look Irresistible
Lille president Gerard Lopez is ready to drop his price tag for Super Eagles forward Victor Osimhen. Loading… Osimhen is a subject of interest from a number of top European sides following an impressive debut campaign in the French Ligue 1.Advertisement Promoted Content9 Astonishing Wonders Hidden Deep In SeaThe Very Last Bitcoin Will Be Mined Around 2140. Read MoreHow Most Popular Food In The World Came To Be8 Fascinating Facts About Coffee6 Most Breathtaking Bridges In The WorldBirds Enjoy Living In A Gallery Space Created For Them7 Of The Wealthiest Universities In The WorldCouples Who Celebrated Their Union In A Unique, Unforgettable Way7 Interesting Facts About GoT Star Maisie Williams7 Universities In The World Where Education Costs Too Much10 Risky Jobs Some Women Do7 Universities In The World With The Highest Market Value Read Also: Messi expresses heartbreak over Copa America postponementHowever, Le 10 Sport says Lopez, recognising he must cash in to keep the club running, is ready to accept a more realistic fee for the striker.It is claimed that Lille could now sell the striker as low as €55m.FacebookTwitterWhatsAppEmail分享 The 21-year-old netted 18 goals and recorded six assists in 36 appearances across all competitions for Lille. According to reports, Lopez previously placed a price tag of €80-90m on Osimhen.
Greendale, IN—Friends of Lauren Hill, a non-profit organization dedicated to honoring Lauren Hill, her dogs, and her “never give up” philosophy, are working on bringing her legacy with an effort to make the Lauren Hill Memorial Park come to life. The park will benefit all area dog owners, bike enthusiasts, and citizens.During the beginning phase, the goal is to raise $125,000 to get the park up and running. They are actively seeking donations to get this started. The city of Greendale has granted a 15-year lease agreement on the land across from the 11th Fairway on Hidden Valley Golf Club, to cultivate it into an interactive destination with a Dog Park, Mountain Bike Trails and more. The park will feature open green space with a 2/3 acre area for small dogs, 1/3 acre area for large dogs, and a 3-mile mountain bike trail. In the future, with additional fundraising, they envision expanding the park to include basketballs courts and other recreational oriented amenities such as disc golf.
Press Association QPR are unlikely to face disciplinary action over the incident which happened as Chelsea players celebrated the winning goal in Sunday’s 1-0 victory. It is understood however that the FA will seek observations from each club and will ensure that QPR and the police are taking the necessary steps to identify the culprit via CCTV and for them to face a banning order. QPR are reviewing CCTV footage and have promised to ban those involved. They have also appealed to witnesses to come forward. A club spokesperson said: “Whilst we understand that passions run high during derby fixtures, this is not the kind of behaviour the club condones in any way, shape or form. “We take a zero tolerance approach to this sort of behaviour and, if the perpetrators are identified, they will be banned indefinitely from the stadium and, where appropriate, we will liaise with the Metropolitan Police. “The club are awaiting communication from the FA following the referee’s report and will work closely with them in ensuring something like this does not happen again. “We would also appeal to fans with any information regarding yesterday’s incident to contact the club, as we feel it’s important to identify the perpetrators as soon as possible, as we believe they are not a true representation of the QPR fan-base.” The Football Association will be contacting QPR and Chelsea after an incident which saw Branislav Ivanovic struck on the head by a cigarette lighter thrown from a section of home supporters at Loftus Road.
Fiji: Indias Gaganjeet Bhullar snatched the third round lead with a three-under-par 69 at the Fiji International golf tournament here on Saturday.The 30-year-old has won under blustery conditions before, most notably in Macau and he believes he can replicate that similar winning form as he holds a one-shot advantage over the Australian quartet of Jake McLeon, Jarryd Felton, Terry Pilkadaris and Andrew Dodt with his three-day total of eight-under-par 208.McLeon, who finished tied-second in Thailand last week, hopes to ride on his good form and surmount a challenge on the day which matters most after returning with a 70 at the Natadola Bay Championship Golf Course.Overnight leader Ben Campbell of New Zealand meanwhile had a day to forget when he saw his four-shot advantage wiped out after returning with a 77 to slip down to sixth place.South Africa’s Ernie Els, a four-time Major champion and former world number one, underlined his credentials by signing for a 69 to haul himself back into contention. IANS