4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Once you have made the decision to undergo a credit union core conversion, there is no doubt there will be a number of concerns that keep you up at night. After all, there are many things that can go wrong, but typically, and thankfully, the majority of these problems go unnoticed by members. CU personnel and core partners can correct most issues before the members are affected. However, there is one thing that you can’t flub when performing a core conversion… member facing applications, namely, credit union mobile banking.Your mobile banking app is increasingly the primary avenue that members interact with your CU. In 2016, according to creditunions.com, 48.4% of the 108 million credit union members used their provider’s mobile banking app or transactional website. What about that coveted millennial market? According to recent studies, Nearly 70% use mobile banking, and 31% use it as their primary interface, nearly double any other channel of banking access. While crossing the T’s and dotting the I’s on the back end of your core conversion, it’s imperative to keep member experience first, and to ensure this interface continues to operate seamlessly. What may seem like minor annoyances can turn into major headaches for members:Login – Mobile banking for most members has become a seamless process. If your credit union is doing it correctly, members can easily login and access their financial information instantly. If a problem occurs on the mobile banking end of a core conversion, members may be restricted to login to their mobile app, which is anything but seamless. Members expect painless banking and if they’re met with an error page when trying to login they’re sure to worry about the assets they’ve left under your credit union’s care. continue reading »
There are several answers to this question. On the contrary, solutions are offered from certain business segments such as digital marketing, swimming pools and pool equipment, mattresses, washing machines…The right way to achieve continuous growth in quality while monitoring trends in tourism is to connect the basic elements of marketing: market research, defining demand profiles, creating supply according to known demand, education, specialization, investing, highlighting, branding, promotional channels, feedback. guests and the constant repetition of this cycle.PersistenceHe asked Ivo John, “Why is the grass in England greener, denser, more beautiful?” John says, “Do you water the grass every day? Says Ive: Yes. Do you mow it every week? Says Ive: Yes. Do you fertilize it in the fall and spring? Says Ive: Yes, and that! John: And you’ve been doing it all for 500 years? Ivan: eh… “For almost 10 years now, the Primorje-Gorski Kotar County has started to apply the right way to improve the catering service in the household. This is what it looks like:Family accommodation in the Kvarner area makes up almost 48% of the total accommodation capacity of the Primorje-Gorski Kotar County, which indicates the importance of better market positioning of family accommodation. Therefore, the County of Primorje-Gorski Kotar, in cooperation with the Kvarner Tourist Board and local tourist boards from the Kvarner area, launched a project in 2010 to award the quality label “Kvarner Family” with the aim of branding accommodation in rooms, apartments, holiday homes and camps. in the household in the Primorje-Gorski Kotar County.It is a system of standards and criteria that aims to create a new basis for connecting the holders of family accommodation in the entire Primorje-Gorski Kotar County. The basic criteria for awarding the project label are: landscaping, pleasantly equipped interior, recognizability of the building, but also respect for tradition, loyalty of guests and the experience of home and family atmosphere. This aims to make the facilities marked “Kvarner Family” marketable, and the quality level is guaranteed by the Kvarner Tourist Board and local tourist boards by publishing them in a special web catalog on the website and in promotional materials.Agencies also joined the project, sub-brands were createdIn 2013, the Kvarner Tourist Board, in cooperation with local tourist boards, invited travel agencies from the Primorje-Gorski Kotar County to join the “Kvarner Family” project by obtaining the “Kvarner Family Agency” quality label.Further sub-brands of the “Kvarner Family” Quality label have also been developed:• Pet Friendly – intended for tourists with pets (started in 2014)• BikeFriendly – intended for cyclo tourists (started in 2014)• HikeFriendly – intended for hiking tourists (started in 2014).The number of people interested in applying new knowledge is constantly growingDomestic catering service providers have shown great interest in joining the project, so that currently the quality label is carried by accommodation facilities owned by 489 household accommodation providers from the Kvarner area, of which 59 Pet Friendly, 24 Bike Friendly and 23 Hike Friendly renters and 28 Kvarner Family agency of which 4 Dog Friendly agencies. Also partners in the project in the Pet friendly subbrand are the Veterinary Station Rijeka with its network of clinics and pet stores and the hotel and beach for dogs Monty s, as well as Sparkly pet – beauty salon pets. The web portal www.kvarnerfamily.hr is updated and adapted to trends, and the Facebook pages Kvarner Family and the fan group Pet friendly are also active. In addition to the Kvarner Family brochure, the brochure “Family package” with vouchers was printed, as part of which the action involved many businesses that have granted discounts on their services.Investment incentiveBased on inquiries from family accommodation entities at workshops held on the provision of catering services in the household and at the suggestion of the Commission for the implementation of the project “Kvarner Family”, a credit program “Kvarner Family” was developed and launched in December 2015. accommodation in facilities where catering services of household accommodation are provided.The program is implemented in cooperation with the following banks: HRVATSKA POŠTANSKA BANKA dd, ERSTE & STEIERMÄRKISCHE BANK dd and ZAGREBAČKA BANKA ddLending conditionsBeneficiaries of loans under this Program may be natural persons – providers of catering services in the household registered in the Republic of Croatia (hereinafter: Renters) in accordance with the Law on Catering and the Ordinance on classification and categorization of facilities providing catering services in the household, which have a Decision The state administration office responsible for issuing the Decision approving the provision of catering services in the household and that the intended funds in the amount of 100% intend to invest in their own accommodation facilities in the Primorje-Gorski Kotar County.Funds are approved exclusively for:• meeting the conditions for providing catering services in the household according to the criteria of the “Kvarner Family” quality label system and the corresponding additional quality labels (“Pet Friendly”, “Bike Friendly”, “Hike Friendly” and other special offer standards implemented by the Kvarner Tourist Board);• arrangement, modernization (raising the quality of the facility) or expansion of facilities whose implementation does not violate the traditional values of coastal or Gorski Kotar indigenous construction;• procurement of equipment or individual parts of equipment.The amount of credit funds ranges from HRK 20.000,00 to HRK 100.000,00. Loan repayment period up to five years, with the possibility of waiting one year which is included in the repayment period. The shelf life is up to 12 months. Funds are remitted by non-cash payment to the account of the supplier or service provider for the loan beneficiary based on a certified situation, proforma invoice, invoice or contract for delivery or purchase in the amount of at least 90% and payment to the Borrower on the transaction account up to 10% of the approved loan documentation for the intended use of the loan.Credit potentialThe credit potential is HRK 5.000.000,00, with the Primorje-Gorski Kotar County subsidizing the interest on approved loans with five (5) percentage points for investments in the area of Gorski Kotar and small islands of the Primorje-Gorski Kotar County (Unije, Susak, Ilovik, Vele and Mala Srakane) so that the interest for end users is ultimately ca. 1% per year. For the remaining areas of the Primorje-Gorski Kotar County, the County subsidizes the interest with four (4) percentage points so that the interest for the end user is a maximum of approx. 2% per year.So far, family micro-entrepreneurs in tourism have used HRK 4 million in loansAs of today, the credit potential of HRK 5.000.000,00 has been used in the amount of HRK 4.003.103,00 with a total of 52 loans approved. The remaining HRK XNUMX million of credit potential is available.At least 10 more credits are availableRequests are submitted to the Commission for the Implementation of the Credit Program “Kvarner Family 2015” by mail to the address: Primorje-Gorski Kotar County, Administrative Department for Tourism, Entrepreneurship and Rural Development, Slogin kula 2, 51 000 Rijeka or by personal delivery to the office of Primorje-Gorski Kotar County. located at: Slogin kula 2 (ground floor), Rijeka. All additional information can be obtained on tel. 051 / 351-261.The public invitation, the loan application form and the list of documentation to be attached to the application can be downloaded from the website of the Primorje-Gorski Kotar County: www.pgz.hr under Tenders. The deadline for submitting applications is until the credit potential is used.Published by: Nedo Pinezić
From the latest provision of the Polish Government on the ban on flights – Croatia has been deleted, said Agnieszka Puszczewicz, director of the CNTB office in Poland. Read more about the official decision HERE Although it was announced that Poland will ban flights from 02 countries, as well as from Croatia, from September 46, the planes between Poland and Croatia will continue to fly, without changes.
Lastimosowas rushed to the Barotac Nuevo District Hospital where the attending physiciandeclared him “dead on arrival.” The30-year-old truck driver Diolan Bajon, meanwhile, was detained in the lockupcell of the Barotac Nuevo police station. ILOILO City – The tricycle he wasdriving crashed into a truck in Barangay Acuit, Barotac Nuevo, Iloilo. The 55-year-old Rodrigo Lastimoso of Barangay Pagdugue,Dumangas, Iloilo sustained head and body injuries, a police report showed. The truck and the tricycle wererunning toward opposite directions when the crash happened on Nov. 4 , policesaid. The circumstances that led to thecrash were not immediately clear in the police report./PN
BLUE HILL — The George Stevens Academy boys’ soccer, girls’ soccer and volleyball teams rumbled into October on high notes as all three teams finished the first month of the season riding winning streaks.On Monday, the boys’ team posted a season sweep of Ellsworth (1-8-1) with a 3-0 win in Blue Hill. It was the third win in a row for GSA, which had beaten Deer Isle-Stonington and Searsport by a combined 13-0 in its two previous contests.Chris Bennett scored the first goal for GSA (7-3) on a penalty kick early in the first half. He then scored again with 12 minutes, 59 seconds to go in the half before Ricardo Sanchez scored the team’s third three minutes later.On the girls’ side, GSA improved its record to 4-4-1 on the year after it posted an 11-0 win over Deer Isle-Stonington last Monday and a 4-0 win over Searsport two days later. The wins boosted the Eagles to eighth place and have them in position to host a preliminary round game in the playoffs.This is placeholder textThis is placeholder textThe Eagles are also in position to make the Class C volleyball playoffs after recording a doubleheader sweep of Lee/Mattanawcook (1-8) on Friday. The Eagles are now 6-6 on the season and in seventh place in the standings.Both soccer teams will be back in action Wednesday, Oct. 3, as the girls host Ellsworth (3-5) at 3:30 p.m. and the boys travel to Bar Harbor to face Mount Desert Island (3-5-1) at 6 p.m. The volleyball team will host Narraguagus (6-3) at 4 p.m. Thursday, Oct. 4.
YANA PASKOVA/Herald photo”New team, same result.” Those were the words written on the shirt Illinois guard Dee Brown wore as he walked into the media room, with a Cheshire Cat grin. How true those words were, as the Illini once again stuck it to the Badgers.Illinois outplayed Wisconsin to a 66-51 victory in a repeat of last year’s meeting between the two teams in Madison, when Illinois broke Wisconsin’s 38- game home winning streak.”This is big, might be bigger than last year,” Brown said, when asked to compare this year’s win at the Kohl Center to last year’s. “We stole one. We came into their house and got a big win.”The Illini (20-2, 6-2 Big Ten) had four players score in double-figures, with Brown and Rich McBride leading the way with 16 points apiece. However, it was forward Brian Randle who might have had the biggest impact on the game, scoring 12 points and collecting a game-high 13 rebounds, seven of them on the offensive glass, for the first double-double of his career.”Now we are not just Dee, ‘The D Team,'” Illinois head coach Bruce Weber said, referencing the popular eighties television series. “We’ve got a lot of players.”For Wisconsin (15-6, 5-3), junior forward Alando Tucker once again led the way with 19 points and six rebounds. Sophomore forward Brian Butch added 10 points and nine boards, while junior Kammron Taylor chipped in 14.In what has been uncharacteristic of Wisconsin during this rough stretch, the Badgers came out firing early and took the lead, eventually building it to 11. However, UW was like Cinderella on this night, as once the clock struck 10, the team went from being the belles of the ball to little more than pumpkins. Leading 24-13 with just under 10 minutes to play, the Illini switched to a three-guard lineup and went on a game-changing 19-0 run, quickly turning the 11-point deficit into an eight-point lead. They went into the half up six. “We went small,” Weber said. “So I think our kids picked up the defensive pressure. We got some transition, we got some rebounding and [Wisconsin] started doubting a little bit and that was the big key to it.””They were quicker,” Wisconsin coach Bo Ryan said of the run. “They maybe make you extend [your defense] a little more and you don’t hit your shots, and then doubt starts to creep in.”The second half was more of the same story, as Wisconsin started the half off strong and made it a two-point game, 44-42 on a Tucker jumper in the lane. However, the clock struck 10 minutes again and Illinois went on a 12-4 run, silencing the Kohl Center faithful, who soon headed for the turnstiles. Wisconsin never got closer than nine the rest of the game. “We worked our way back into the game and we were feeling pretty confident at the time,” Taylor said of the Illini’s second-half run. “But to see them knock shots down and we come down and miss shots, you start to think about it.””When a team is making run, you have to respond,” Tucker said. “We didn’t respond well.”The Badgers were beaten soundly on the glass as well, as Illinois out-rebounded UW 43-28 and 15-6 on offensive boards.”They’re good on the glass, they’ve been good all year,” Ryan said. “We needed to be better.”Long rebounds in particular again killed Wisconsin, in a repeat of the Michigan game last Saturday. Several times, the team gave up long offensive rebounds to the Illini, “There were some long rebounds,” Ryan said. “There were a couple there at the end when we cut it to six or eight and had a chance to get a rebound, but there were long rebounds that got touched, tipped, and boom, that counts as an offensive rebound.”Illinois has now won four straight over Wisconsin and the Badgers, once looking like the class of the conference at 4-0, have now fallen out of first place in the Big Ten for the first time this season after losing four of their last five games, including two of the last three in the capital city.The Badgers have struggled to find the right chemistry on offense since losing forward Greg Stiemsma and Marcus Landry for the season, as after Tucker, Taylor and Butch, no other player scored more than three points.”Man, it’s tough, but we have other guys,” Tucker said. “I look at it as an opportunity, if I was a guy that wasn’t getting as many minutes, I would look at as an opportunity to showcase what I have. So get Kevin Gullikson and Joe Krabbenhoft, we’re expecting production with those guys, [as much] as we were getting with Marcus and Greg. It’s tough, though.””I think I did a good job of finding guys for shots [when double-teamed]. It just seemed like they weren’t falling.”The Badgers also turned the ball over 14 times, which Illinois translated into 24 points, 13 more than Wisconsin managed off of takeaways. With the rebounding margin also working against UW, it became simply too much to overcome. “We out-toughed them, I guess,” Weber said.
England Golf is offering a series of recommendations to help golf clubs increase their membership and survive and thrive in a challenging climate.They are contained in the Results Book from the 2014 Golf Club Membership Questionnaire which includes advice to attract new members, retain current members and appeal to junior golfers.The Results Book supports the England Golf Strategic Plan, Raising Our Game, which urges all who care about the game to work together to increase the number of regular golfers, to halt the decline in club membership and strengthen the talent pathway.The biennial survey was carried out by SPORTS MARKETING SURVEYS INC for England Golf and paints a picture of a ‘precarious’ situation, with declining memberships and an increasing number of independent, unaffiliated golfers.To address this, it urges clubs to review their membership structures and to offer a golf club experience combining social and playing benefits which outweigh the advantages of independent play.England Golf Chief Executive David Joy thanked the 706 clubs which took part in the survey and said: “I hope that this number will continue to grow in future years, as this survey provides unique and important management information about the current trends within golf clubs throughout England.”He added: “We hope that golf clubs and other organisations will use this information, along with the recommendations for action within Raising Our Game, to inform their own plans over the next few years as we work together to increase the number of people playing golf regularly, to halt the decline in club membership and to strengthen our talent pathways.”The report finds that the average golf club has 499 members, mostly white and mostly adult males (77%) and that just over half of all members are aged 55-plus. Less than a quarter are aged under 35. Women account for only 15% of membership and boys (7%) also outnumber girls (1%).The average adult subscription is £845 for men and £848 for women; £121 for boys and £118 for girls. Clubs have an average of 24 volunteers, most of whom serve on the club committee. Most volunteers are male and are aged over 55.Over the last two years, clubs have attracted an average of 77 new members, while losing 85: an average decrease of eight per club.To reverse the trend the report recommends:Attracting new members by breaking down barriers and creating a welcoming club environment. It advises that lowering subscriptions is less likely to attract new members than providing additional benefits or hosting induction days, offering structured coaching or working with County Golf Partnerships. It points out that potential members are often deterred by long-winded, non-transparent joining systems and by the joining fee.Retaining existing members by ensuring the year-round quality and value of the course and the club environment, which must be attractive to golfers of all generations. It suggests flexible membership packages are arguably the most powerful way of attracting and retaining members: 34% of clubs which offer these increased their membership in the last two years. Intermediate and student membership are influential in retaining members in their 20s and 30s.Encouraging junior members by making it easy to join. Offering junior tuition and the services of a junior organiser will appeal to youngsters and their parents. A positive experience of junior golf will encourage players to continue their membership into adulthood.In addition, the report notes that most clubs want help from England Golf to recruit new members and access funding. Many clubs would also be interested in help to retain existing members, to develop links with schools and the community and to help with marketing and communications.Clubs had many suggestions for ways in which England Golf could help to grow the game, notably by improving golf’s visibility in the media, by greater communication with clubs and by fostering greater communication between clubs.There was also much support for simplifying the handicap system, providing greater transparency on how golfers’ affiliation fees are spent, for focusing more on the average club member than on elite players and for promoting the game more clearly to women and juniors. 2 Dec 2014 Golf clubs offered advice to survive and thrive
The Kootenay Ice stayed with the front-running Okanagan Rockets, but when final horn sounded lost both ends of a home-and-home series in BC Hockey Major Midget League action Sunday in Nelson.Okanagan Rockets skated away a pair of wins — 4-0 Saturday at the NDCC Arena and 3-1 Sunday at the Civic Arena.”We had a good weekend . . . we played really well,” said Kootenay coach Rob Wright feeling good despite the two losses.”That team is second-best in the entire league, they were third in Canada last year and to lose 4-0 and 3-1 is good for us.””Our thing is we don’t put a lot of goals in the net, but our battle and compete level was fantastic,” Wright added. Kootenay trailed 1-0 after the first period before Okanagan scored twice in the second period of Saturday’s game to take control.Levi Johnson, Calvin Rout, Lucas Cullen and Marcus Mitchell scored for the Rockets.Sunday, Kootenay once again failed to rev up the offence as Okanagan scored just enough offence — one goal in each period — to hold off the hosts.Aiden Browell scored the lone Kootenay Ice goal in the second.”We just keep plugging away,” said Wright, not at all disappointed with the second despite a 4-21-4 record.”Our goals against is plummeting and we’ve got some teams coming in here I think we can compete against, and hopefully beat, and just keep going. We’re playing well and working hard.”Kootenay is idle for a week before travelling to Prince George to face the Cougars for a pair of games.Next home action is February 7-8 against South Island Royals of Victoria at the NDCC Arena.
Photo by Tristan Tamayo/INQUIRER.netThe Samahang Basketbol ng Pilipinas made a last-minute push but failed to tap the services of Jordan Clarkson for the Asian Games. Veteran guard Chris Tiu, however, admitted having the Fil-American guard to play for the Philippines in Indonesia was a “long shot” in the first place.ADVERTISEMENT Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award LATEST STORIES Peza offers relief to ecozone firms Tiu, who is one of five Rain or Shine players part of the national team, said there’s just one too many hurdles to go through before Clarkson gets the green light to finally don the Philippines’ colors.“To begin with we never really expected him to be available anyway because it’s really a long shot,” said Tiu, who was also an original member of the Gilas program formed in 2009.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkSPORTSTim Cone still willing to coach Gilas but admits decision won’t be ‘simple yes or no’“Having the Olympic Committee, the Asian Games Committee, the NBA, his management team and his mother team all allow him I think it’s really a long shot.”On Sunday, the NBA released a statement saying that it did not allow Clarkson, who plays a key role for the Cleveland Cavaliers, to suit up for the Philippines in the Asian Games. Palace OKs total deployment ban on Kuwait OFWs Clarkson not allowed to play for PH in Asian Games, says NBA DepEd’s Taal challenge: 30K students displaced ‘High crimes and misdemeanors’: Trump impeachment trial begins Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew The Nationals need to win at least one game to advance to the next round.Sports Related Videospowered by AdSparcRead Next Don’t miss out on the latest news and information. The 33-year-old Tiu still commended the SBP’s efforts to get Clarkson, who was included in the final lineup.“But of course, we still appreciate and laud the effort of the basketball officials here in the Philippines who tried to make it happen,” he said.“But for the team, we never really kind of banked on that possibility so we’re just gonna compete with whatever we have and hopefully, it will be sufficient to propel us to win against Kazakhstan and China and whoever we will face.”The Philippine team flies to Jakarta, Indonesia Sunday night.The Filipinos open their campaign on Thursday against Kazakhstan before clashing with China on August 21.ADVERTISEMENT View comments Judy Ann’s 1st project for 2020 is giving her a ‘stomachache’ Nadine Lustre’s phone stolen in Brazil In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ Gov’t in no rush to rescue animals in Taal MOST READ
Chelsea goalkeeper Petr Cech said Juventus’ ability to take their chances proved to be the difference in Turin.The Blues’ 3-0 defeat leaves them facing the prospect of becoming the first holders to fail to reach the knockout stage of the Champions League.They must now beat beat Nordsjaelland in their final Group E game and hope Juve lose to group leaders Shakhtar Donetsk.Cech told ITV: “The first half was very difficult but we did pretty well and created some chances. In such an important game, if you create a chance you have to take it.“Deflections went their way but they put in a very good performance and did really well.“It’s a sad moment. Last year winning the Champions League was a dream. This is a huge disappointment.”More reaction to follow later. See also:Defeat in Turin leaves Blues on the 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 Follow West London Sport on TwitterFind us on Facebook