Why customers (or members) need to always come first

first_imgBy now you’ve probably watched the video of the doctor being dragged from his seat off a United Airlines flight to make room for one of the airline’s own employees. Maybe you also heard the story of a first-class passenger who was threatened with being handcuffed if he didn’t hand over his fully paid-for fare and ticket on a United flight so another passenger deemed a higher priority could have his seat.The list of grievances against United goes on.It would appear from many, many conversations, social media posts and articles that United Airlines’ culture is in desperate need of some changes. It is also clear that the business model of focusing inwardly (on your employees and higher-ups) isn’t a successful long-term plan.Of course, if you are in the credit union industry, where your members are your No. 1 priority, you already know this and model a consumer-first standard very well. In fact, I believe that anytime your customers (or members) come first, you will find success and a sustainable business model for years to come. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Conquistador Donald Trump can’t actually win states, so he decides to just ‘claim’ them

first_imgIt’s unclear exactly WTF Trump thinks he’s actually doing here. You can’t just “claim” states, no matter how simple that might make this game. However, Trump appears to be channeling Spanish conquistador Hernán Cortés. Which is fitting, since they both like gold.  On Wednesday afternoon, networks began calling Michigan for Joe Biden. This followed the Wisconsin call earlier in the day. When Fox News joined in a few hours after the rest, the call they’ve already made on Arizona means they’re showing Biden with 264 electoral votes. As soon as Nevada unloads some additional votes, Fox might actually be the first to call it for President-Elect Biden.Donald Trump clearly could not have this. So he decided to simply preempt the whole vote counting thing and just start … claiming states. “We have claimed, for Electoral Vote purposes, the Commonwealth of Pennsylvania, “ tweeted Trump. And Georgia. And North Carolina. And … “Additionally, we hereby claim the State of Michigan.” Because that’s how the system works, sugarbear. First claimed, first served. No takesy backsy. Oh, also note the royal “we.”- Advertisement – – Advertisement –center_img President Donald Trump speaks at a campaign rally at Reading Regional Airport, Saturday, Oct. 31, 2020, in Reading, Pa. (AP Photo/Alex Brandon)last_img read more

GO-TIME: Commission on Crime and Delinquency Announces New Mobile App to Assist Victims of Crime

first_img GO-TIME,  Government That Works,  Innovation,  Press Release,  Public Safety Harrisburg, PA. — Today, the Pennsylvania Commission on Crime and Delinquency (PCCD) unveiled a mobile application designed to assist victims of crime in Pennsylvania.The mobile application will allow victims of crime to more easily find the services available to them. Victims of crime will be able to access local advocates who can assist them with services such as legal and medical services and compensation assistance, and to access information regarding their rights and protections as a victim of crime. Victims will be able to choose from a list of services available within the distance they set.“One of the most important responsibilities of the Commission on Crime and Delinquency is to assist victims of crime by ensuring they get the services they need and the compensation they deserve,” said PCCD Chairman Charles Ramsey. “To meet our obligation, it is necessary that we utilize technology to reach as many victims as we can. This new app will not only allow PCCD to reach more victims but also ensure that applying for benefits with PCCD will be easier than ever.”Victims will also be able to check the status of their claim with the Victims Compensation Assistance Program via the application. The Victims Compensation Assistance Program helps victims and their families through the emotional and physical aftermath of a crime by easing the financial impact placed upon them. Victims of crime may be eligible to receive financial help for a variety of expenses related to their victimization, such as medical and counseling expenses, loss of earnings, funeral expenses, crime scene cleanup, and other crime-related expenses.The mobile application is available for both iPhone and Android users starting today through the App Store and Google Play Store under the name “PA Crime Victims.”Within the next few weeks PCCD expects to add a feature that allows victims to file claims for compensation via the mobile application.The app was created, in part, through a collaborative effort with the Governor’s Office of Transformation, Innovation, Management and Efficiency (GO-TIME). Students from Harrisburg were involved in the initial design and build of the app, which was then further enhanced and deployed by PCCD.“In many cases, it may difficult for a crime victim to know what to do or where to go for assistance,” said Sharon Ward, Director of GO-TIME. “The mobile app places these resources at their fingertips and increases the reach of PCCD’s programs.”PCCD’s efforts to update and streamline access to victims’ services supports the Governor’s Office of Transformation, Innovation, Management and Efficiency (GO-TIME), which works with state agencies to modernize government operations in order to reduce costs and improve services. State agencies already saved over $156 million and Governor Wolf challenged GO-TIME to build upon this success by achieving $500 million in savings by 2020. To learn more about GO-TIME, visit www.governor.pa.gov/go-time.The mission of the Commission on Crime and Delinquency is to enhance the quality, coordination and planning within the criminal and juvenile justice systems, to facilitate the delivery of services to victims of crime, and to increase the safety of our communities. March 27, 2017 SHARE Email Facebook Twittercenter_img GO-TIME: Commission on Crime and Delinquency Announces New Mobile App to Assist Victims of Crimelast_img read more

Governor Wolf Tours Coatesville Revitalization Projects Supported by State Investment

first_imgGovernor Wolf Tours Coatesville Revitalization Projects Supported by State Investment September 08, 2017 Government That Works,  Infrastructure,  Press Release Harrisburg, PA – Today, Governor Tom Wolf joined local community development leaders to tour several community revitalization projects, including the Coatesville Gateway Redevelopment Project and the new Coatesville Train Station project, in the city of Coatesville, Chester County. The projects were funded through a combination of sources including the Department of Community and Economic Development (DCED), the Pennsylvania Department of Transportation (PennDOT), and federal and private sources.“The evolution that Coatesville is making here is extraordinary,” said Governor Wolf. “And the most encouraging aspect of that progress is that it breeds more progress. When a community gets revitalized, not only does it improve the quality of life for the people who live and work here, but it attracts more development that will spur the local economy. I’m excited to see how Coatesville will continue to transform itself for years to come.”The Coatesville Gateway Redevelopment Project stands as a cornerstone of the revitalization efforts in Coatesville. Plans include the construction of 20,000 square feet of new neighborhood retail, secure residential parking, and 44 market-rate apartments to be built in one, four-story mixed use structure in the heart of downtown Coatesville. DCED provided nearly $6.5 million in funding through grants and loans for the $21 million project, with an additional $3 million provided by the Redevelopment Assistance Capital Program.“We were thrilled to have the Governor visit,” said Sonia Huntzinger, Economic Development Administrator, 2nd Century Alliance. “The state has been incredibly supportive of our revitalization efforts in Coatesville and we were proud to be able to show him the burgeoning results of that support.”Following the stop at the Gateway Redevelopment site, Governor Wolf visited the site for the new Coatesville Train Station currently in design review. The new station is required because the current station is positioned in a way to make it impossible to bring it up to full ADA accessibility standards. PennDOT will support the project with $20 million in funding to the Coatesville Station project in coordination with the City of Coatesville Redevelopment Authority, which is leading the project.Part of the train station project is a new transit-oriented office building/learning center on Fleetwood Street adjacent to the new station. The project is intended to encourage a walkable and pleasant mix of residential, commercial, and office space while preserving the architectural and historical elements of the original station building. The project also involves improvements on Third Avenue that will enhance walkability between the station and the Lincoln Highway commercial corridor, about four blocks to the south.center_img SHARE Email Facebook Twitterlast_img read more

Analysis: Experts warn of bank stress test impact on covered bonds

first_imgFuchs added: “Maximising liquidity for the bank with covered bonds can swiftly and significantly alter a covered bond’s risk profile.” Eberhard Schwarz, ComplementaEberhard Schwarz, Swiss consultancy Complementa’s representative in Germany, shared Fuchs’ concerns. He told IPE: “The criticism voiced by Scope is interesting as it points to a weakness in a market downturn: banks could be tempted to use existing cover pools for covered bonds to up their liquidity in crisis situations.”  Covered bonds are an important and long-standing investment for many institutional investors. In Germany in particular, the local variant – known as Pfandbriefe – makes up a significant part of institutional portfolios.Scope confirmed to IPE that its criticism of the ECB stress test proposal still stood even if only applied to new issues of covered bonds.“This sends the wrong signal,” Fuchs stated. “Allowing the reduction of over-capitalisation to the legal minimum could prompt investors to demand higher risk premia if they know that supervisors are comfortable with issuers diluting existing security packages.”Schwarz said the ECB should leave this element out of the stress test altogether.Harmonised covered bondsMeanwhile, the EU parliament has laid the groundwork for the harmonisation of covered bond issuance in Europe.By 2023 covered bonds all over the EU will look more similar than they currently do. However, national discretion will still be allowed regarding the content of the cover pools – assets set aside as collateral to underpin the covered bond – to cater to the different tastes of investors, according to Scope.It remains to be seen how detailed the minimum quality criteria requirements set by the EU will be. Source: European ParliamentProposed EU rules on covered bonds have been informed by German Pfandbriefe regulationsSchwarz said he was not too worried, highlighting that the EU “has been certainly inspired to some degree by the German law on Pfandbriefe” in its new regulation.Scope also did “not expect any market disruption once implemented, even though harmonisation will prompt amendments to all European covered bond frameworks”, as the agreed timeline “allows for a smooth transition”.Schwarz was convinced that “covered bonds now have a more internationalised standing”, adding that “a more standardised regulatory framework widens the market and increases potential for diversification”.However, he emphasised that investors should assess carefully not only the size of the surplus cover of any covered bonds, but also the content of these reserve assets.In the first quarter of 2019 Scope reported a new record high in covered bond issuance across Europe, with a volume of €60bn. This was the highest new issuance volume since 2012.New issuers included “household names” as well as “more exotic supply”, Scope said. Among the latter were the first Slovakian benchmark covered bond, a Danish shipping finance firm’s first covered issue, as well as “a constant trickle of ESG-type covered bonds”.center_img Banks could be asked to tell the ECB how much liquidity they could generate from over-collateralised covered bonds – a move that has caused some experts to warn of negative consequences for the burgeoning asset class.In a note regarding new stress test information requirements for the European banks, the ECB has told tells banks to report “the estimated nominal value of additional covered bonds [CBs] which could be generated out of assets already mobilised into CBs cover pools… the expected additional liquidity… potentially obtained assuming that such additional CBs were retained and encumbered in central bank funding operations”.German rating agency Scope has voiced concern that this information could mean the ECB was “focusing solely on the survivability of banks” and thus “jeopardising the credit strength deriving from the dual recourse nature of covered bonds”.“Investors will be deprived of the umbrella of strong cover support and high over-capitalisation just as it starts to rain,” wrote Karlo Fuchs, head of covered bonds at Scope Ratings, in a commentary.last_img read more

Statoil takes further interest in Brazilian offshore license

first_imgStatoil and Queiroz Galvão Exploração e Produção (QGEP) have signed an agreement for Statoil to acquire QGEP’s 10% interest in the BM-S-8 license in Brazil’s Santos basin.The additional 10% equity will increase Statoil’s operated interest in the license from 66% to 76%. The total consideration for the transaction is $379 million.BM-S-8 includes a substantial part of the Carcará discovery comprising high-quality oil of around 30° API and with associated gas in a thick reservoir with excellent properties. Statoil estimates the recoverable volumes within the BM-S-8 license to be in the range of 700 to 1,300 million barrels of oil equivalent.“This acquisition is a further expression of our confidence in Brazil, a core area for Statoil. It also reinforces our position in a world-class asset which is a good match with our competence and capacity. The transaction supports our strategy to pursue high value and low carbon opportunities,” says Anders Opedal, Statoil’s Country Manager for Brazil.This transaction is Statoil’s second in BM-S-8, following the agreement in 2016 with Petrobras to acquire its 66% operated interest, and strengthens Statoil’s position for operatorship of the unitized Carcará field.As with the 2016 transaction, half of the total consideration will be paid upon closing of the transaction, with the remainder being paid when certain conditions have been met. These are partly related to the license award, but mainly to the future unitization of Carcará.Closing is subject to customary conditions, including partner and government approval.last_img read more

Craig William Youngman

first_imgCraig William Youngman, age 35, of Napoleon passed away early Sunday April 15, 2018 at his home.  He was born on November 26, 1982 the son of Robert and Barbara (Lutes) Youngman.Craig enjoyed the outdoors in several aspects.  He loved to hunt deer and fish, however his greatest thing to find was arrowheads.  His family said he had the ability to spot one across the field.  He had worked in construction and productions jobs throughout his work career.He will be sadly missed by daughters Emily and Alyssa Youngman of Turner Station, KY, parents Bob and Barbara of Napoleon, brothers; Dan of Indianapolis, Joe (Deanna) of Osgood, and Jason (Tara) of Pierceville, and sister Tammy (Todd) Cumberworth of Holton.Private family services will be held.  Memorials can be made to the family in care of Neal’s Funeral Home.last_img read more

Iheanacho lauds Leicester City teammate on Premier League century

first_img Vardy has been phenomenal for the Foxes since they made it to the top-flight in 2014-15, with his 24 goals landing the East Midlands club a shock league title the season after, when they finished 10 points clear of Arsenal. Vardy became the first Leicester player to score a century of goals in the Premier League era and the fourth in the club’s history after Arthur Chandler (204), Ernie Hine (149) and Arthur Lochhead (105). The 33-year-old has now scored 128 goals for Leicester since joining from Fleetwood Town in 2011, and a total of 190 career club goals in 388 outings. Iheanacho was the other goalscorer on Saturday afternoon in what was his ninth league start and 16th appearance, getting the opener four minutes after the break following a dull first-half. It was the Nigerian international’s fifth league goal of the season and 10th overall. It is also the first time he scored in back-to-back league games this term having scored in last Wednesday’s 2-1 defeat at Everton, and the second overall after doing so in the two-legged EFL Cup semi-final defeat to Aston Villa. It marks Leicester’s first win since the resumption of the Premier League after drawing with Watford, Brighton and Hove Albion before losing to Everton. read also:Rodgers backing Vardy to boost top-four chances The Foxes remain in third place as a result of the victory, but will need to be watchful of Chelsea and Manchester United who are just one and three points behind, respectively, on the table, which is making for an intense race to finish in the lucrative Champions League places. They travel to the British capital on Tuesday to confront Arsenal – who saw off Wolverhampton Wanderers 2-0 on Saturday with Super Eagles hopeful Bukayo Saka scoring his first-ever Premier League goal. FacebookTwitterWhatsAppEmail分享 Promoted Content8 Addictive And Fun Coffee Facts14 Hilarious Comics Made By Women You Need To Follow Right Now8 Best 1980s High Tech GadgetsCouples Who Celebrated Their Union In A Unique, Unforgettable WayWho Is The Most Powerful Woman On Earth?The Very Last Bitcoin Will Be Mined Around 2140. Read More8 Shows That Overstayed Their Welcome10 Risky Jobs Some Women DoYou’ve Only Seen Such Colorful Hairdos In A Handful Of Anime7 Reasons Why You Might Want To Become A VegetarianBirds Enjoy Living In A Gallery Space Created For Them7 Truly Incredible Facts About Black Holes “Back to winning ways. Congrats to @vardy7 on reaching the 100 club,” Iheanacho posted on Twitter. Kelechi Iheanacho has taken to social media to congratulate Jamie Vardy after he netted his 100th and 101st Premier League goals in the 3-0 win over Crystal Palace at the King Power Stadium on Saturday. Loading… He has reached the 20-goal mark on two occasions including the current campaign, in which his 21 goals have him on top of the goalscorers charts, two ahead of Arsenal and Gabon forward Pierre-Emerick Aubameyang.last_img read more

New season at Kennedale opens with Spring Kick-Off

first_imgKENNEDALE, Texas ­– IMCA EMI RaceSaver Sprint Cars get top billing at Kennedale Speedway Park’s season-opening Spring Kick-Off Saturday and Sunday, Feb. 27-28. There’s a first-place check of $1,000 with a minimum of $150 paid to start in the winged division on opening night. Running both nights are Xtreme Motor Sports IMCA Modifieds for $500 to win and $75 to start and IMCA Sunoco Stock Cars and Scoggin-Dickey Parts Center Southern SportMods for $500 to win and $60 to start.IMCA Speedway Motors Weekly Racing National, Modified and Stock Car regional, and Allstar Performance State points will be awarded. There is no entry fee. Pit passes are $30. Grandstand admission is $12 for adults, $10 for military and seniors, $5 for kids 6-11 and free for five and under. Gates open at 4 p.m. and racing starts at 7 p.m. on Saturday. Gates open at 3 p.m. and racing starts at 6 p.m. Sunday. An open practice runs from 5-10 p.m. on Friday, Feb. 26. More information is available at the www.raceksp.com website.last_img read more

Auditions for Winnie the Pooh start Monday

first_imgGreensburg, IN—Tree County Players are holding auditions for Winnie the Pooh for any age child that is able to follow directions on stage.  Auditions will be held on Monday, January 6 and Wednesday, January 8 from 6-8 pm. Please enter via the front door (faces Main Street), and auditions will be in the basement.Callbacks, if needed, will be held on Thursday, January 9, if necessary. The read-thru on Tuesday, Jan. 14 and begin rehearsals on Jan. 20. Kids will read from the script if they can or will have other ways for them to audition during those times. Those auditioning will also need to bring a calendar of conflicting dates with them so arrangements can be made for a rehearsal schedule.last_img