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Study finds differences in how rich, poor build credit history (if they can)

first_img continue reading » 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr A new study on the transition to credit visibility has found that the way consumers establish credit history can differ greatly based on economic background.The CFPB said it found consumers in lower-income areas are more likely than those in higher-income areas to become credit visible due to negative records such as a debt in collection. Consumers in higher-income areas are more likely than those in lower-income areas to establish credit history by using a credit card or relying on someone else.  The study also found that the percentage of consumers transitioning to credit visibility due to student loans more than doubled in the last 10 years, the CFPB said.“It is no secret that lower-income consumers face challenges in the financial marketplace,” said CFPB Director Richard Cordray in a statement. “Today’s study shows that even at the beginning of their financial lives, they are faced with higher hurdles to gain access to credit, which hinders them from turning their version of the American dream into reality.”In 2015, CFPB said it estimated that 11% of adults in the United States, or about 26 million people, are credit invisible with no credit history at one of the three nationwide credit reporting companies. “Without a sufficient credit history, consumers face barriers to accessing credit or higher costs,” the CFPB said. “This issue disproportionately impacts consumers who are African American or Hispanic, and people who live in low-income neighborhoods. It can also impact some recent immigrants, young people just getting started, and people who are recently widowed or divorced.”last_img read more

Squeaky wheels getting the grease

first_img 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Change is tough. And not just for your own team. Your members get comfortable with a product, process, or service, too. Even if it has some obvious issues. Here’s the wildest thing: When you improve, some will hate it. Because comfort and familiarity is easier than change.Of course, this doesn’t mean you should never look to change anything. Evolution is a natural part of your operations. There will just be members (and staff/board members) who don’t like it. Solicit their input and apply improvements where necessary. You did ask what everyone thought first, right? If the project threw a lot of people outside their comfort zone, it’s going to be a long haul to get it right for most. But not all. You can’t satisfy everyone. If you are confident the change is a necessary and beneficial step for the institution, then that’s the end of the story.You will receive complaints. And that stinks. Address those you can. The rest? They might be different members for a different credit union. We’ve worked with credit unions where they feared potential member complaints (by their admission, less than 1/100th of a percent) enough to abandon great improvements. Improvements which would have brought them in significant revenue, but, more importantly, helped their members in numerous ways. In their case, it wasn’t even squeaky wheels getting the grease. It was the thought of a squeaky wheel convincing them to avoid driving. continue reading »last_img read more

Scotland book England showdown at Euro 2020

first_imgIt’s been 22 years in the making but Scotland have finally done it – and a showdown with England awaits at next summer’s European Championship.- Advertisement –last_img

Sonja Jelušić Marić, TZ Bakar: Heritage as a foundation, the involvement of the local community and the creation of excursion programs are our recipe for tourist success

first_imgThe story of the program “Tuna Fest” “With it, we also want to contribute to preserving the story of tuna fishing and returning tuners to where they belong. In addition to the satisfaction of our guests, we are most pleased that the local community has shown interest in participating in our programs, which thus gained in authenticity, and we got partners who are adequately paid and who, as we hear from caterers and shipping companies, a significant number of tourists in Bakar encourages the expansion and improvement of service quality. ” pointed out Tatjana Maria Plašč. The first of May, apart from the sun, brought Bakar a significantly different atmosphere than in previous years. By the way, the quiet and sleepy town was “revived” by more than 200 guests from Austria who arrived in Bakar organized by the Tourist Board of Bakar and Crikvenica agency Via Mea and its Austrian partner Papageno to enjoy a specially organized program for them. Fest ”. The May Day group is only one of ten Austrian and German excursion groups within which Bakar will meet about 2000 excursionists in the pre-season and post-season.  In addition to the figures that speak of Bakar’s step out of tourist isolation, the program “Tuna Fest” which revived the famous story of the former tuna fishery in Bakar Bay shows the development strategy of the Tourist Board of Bakar, about which the director of Bakar Tourist Board agencies that would bring excursion tourism to Bakar, their efforts to promote Bakar’s heritage as the main trump card of the tourist offer, have borne fruit.”Proactive Crikvenica agency Via Mea, which has achieved long-term successful cooperation with German and Austrian agencies, recognized our efforts and suggested designing and organizing a program that would bring their 55+ guests closer to the historical heritage of tuna fishing in the Bakar Bay. Just as we believed 6 years ago in the development of private accommodation in Bakar, which has grown from over 0 accommodation capacities to over 500 beds, so we only approached this challenge ” Jelušić Marić points out and adds that over 50 people are involved in the organization of this program, employees of the Tourist Board, the City, the copper association, caterers, fishermen, producers of authentic souvenirs and family farms, and klapas and folklore ensemble. Tatjana Maria Plašč, director and founder of the Via Mea agency, explains how Bakar found itself as part of their itineraries in Kvarner, where guests usually stay for four nights: “Going through the years with groups alongside Bakar, it has always been a pleasure to represent Bakar because there is no need to invent stories about him, he is full of them, so it is actually difficult to choose which one to tell first. Working in the hospitality industry, I encouraged the idea of ​​Kvarner breakfast and white coffee with baškoti, which, like Bakar, is insufficiently known. Considering that our guests love Kvarner and already know it well, when we decided to suggest something new, Bakar imposed itself as a logical and very dear choice to me, especially since already in the first contact the Tourist Board of Bakar showed the will and desire to ”Your city. It is not easy to bring guests to Croatia, we invest a lot of effort in presentations, fairs, catalogs and contacts to encourage guests to choose our destinations, and when that happens we have a great responsibility to provide value for money and create value. confidence.” andacquires Plašč and emphasizes that they are therefore extremely pleased to have found a partner who shares such a professional approach and with whom the hitherto neglected Bakar has been revived as a tourist destination through excursion tourism. A few thousand guests during the pre- and post-season in a Kvarner destination is not big news, but in Bakar it certainly is. “Through the entertainment and gastronomic program we wanted to present the story of the Bakar Bay, once known for the largest tuna catch on the Adriatic, and we are especially glad that with the help of Maritime School professor, our great enthusiast and connoisseur of Bakar history Bora Štrbac and photographer Miljenko Šegulja, we realized the exhibition which through photographs and models vividly evokes the glorious past of tuna fishing. Heritage as a foundation, respect and involvement of the local community and the creation of excursion programs that reflect the spirit of Bakar and its places, are our recipe for tourist success despite all the aggravating circumstances. We thank the Via Mea agency all the more for the trust because we are not a destination with a long tourist tradition, but in many ways we are actually at the beginning and we have yet to prove ourselves. The satisfaction of guests and our partners is a great incentive for us to continue, and our desire is to contribute to the creation of a tourist market in which associations, entrepreneurs and individuals from our city will finally get the opportunity to compete with their offer and services”Emphasized Sonja Jelušić Marić.  Thanks to its excellent geographical position, rich history and diversity of environment, Bakar is finally on the right track to become an unavoidable Kvarner destination with concrete tourist programs and products and to finally start its successful tourism story based on heritage valorization and proactive synergy of all local community stakeholders. the city far behind.  All participants in the program, from associations to caterers, unanimously express satisfaction with the arrival of tourists, but also the opportunity to make money, which is extremely important because the whole circle is closed, ie generated tourist spending that remains in the local economy. It is simply always necessary to take care that everyone ultimately makes a profit, because that is the meaning of every business. Of course, in the beginning you need to “lose” and give a lot more energy and time to close the whole circle and make the whole program come to life on the market.  The “Tuna Fest” program is full of content and experiences for guests who come to Bakar by boat from Kraljevica, so the first encounter with Bakar is the most impressive, from the sea. Guests in Kraljevica are welcomed by members of two copper associations “Bakarska gospoda i kapetani” and “Težakinje i težki z Praputnjaka” which evoke the stratification of Bakar society in the past, and sailing by boat passes more pleasantly with the tasting of the famous Bakarska vodica and baškota. After agreeing to the port of Bakar, the proud guards of the city of Bakar, members of the Bakar Guard in their picturesque, historical uniforms greet guests, and Bakar expresses their first welcome with a klapa song. After a tour of the old town, the Frankopan castle and the church of St. Andrije ap. with the catacombs, the program continues at the Fishermen’s Wharf, where guests are greeted by producers of authentic products from the area of ​​the City of Bakar such as honey, lavender and numerous souvenirs. While fisherman Mate Lucić demonstrates tuna fishing techniques on his boat, which are slowly returning to Bakar Bay, caterers prepare tuna in front of guests, creating gastronomic delicacies, while klapas and folklore groups are in charge of the musical atmosphere. The fascinating story of tuna fishing is most faithfully evoked by historical photographs exhibited in the intimate interior of the church of St. Margaret and an extremely faithful depiction of tuna fishing in the form of a model that is part of the material of the Museum of the City of Bakar.  Matej Šimko, Quality Manager of the Austrian agency Papageno Touristik, also gave an assessment of the organization and program: “Since the collaboration has just begun, we didn’t know what everything imagined would look like in practice. We are very pleased with the partner agency Via Mea and everything that was prepared by the Tourist Board of the City of Bakar, it is exactly what we wanted, rich content and authentic experience in which our guests can one day feel this climate through all that defines it, history, gastronomy , music, tastes and smells… “Concludes Šimko.  Since last year, the Via Mea agency has been bringing German and Austrian guests (over 500 so far) to one-day “ordinary” excursion visits for which the Tourist Board of the City of Bakar has also designed a variety of content to enrich their rich cultural heritage for at least one day. Copper. With this cooperation, the Tourist Board of the City of Bakar and the Via Mea agency from Crikvenica successfully included Bakar on the tourist map of Europe by promoting it at fairs in these markets, so Bakar’s staff appeared in the catalog of the Via Mea agency for the first time.  A positive example of cooperation between the Bakar Tourist Board and the Via Mea agency. You can, no matter how “small” you are and “have” nothing to offer. It’s up to the people.   Photo: TZ Bakar Every start is difficult, but the most important thing is to start, and Bakar, despite everything, bravely pushes forward. Yes, it’s up to the people. Despite the stigma of the industrial past, lack of tourist infrastructure and small funds for promotion, the Tourist Board of Bakar “bypasses” obstacles and with the partner agency Via Mea from Crikvenica, develops excursion tourism by creating programs based on the rich heritage of Bakarlast_img read more

Laing goes on market with £50m price tag

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Arsenal in race to sign Brazil right-back Yan Couto

first_imgAdvertisement Arsenal are competing to sign Yan Couto from Coritiba (Getty Images)Arsenal are in the race to sign Coritiba right-back Yan Couto, according to reports in Brazil.The 17-year-old has not yet made his senior debut for Coritiba but has been a regular for Brazil’s national team at youth level and played a key role in his nation’s win at the Under-17 World Cup in November.According to Globoesporte, Arsenal and Bayer Leverkusen are leading the chase to sign Couto and the Brazilian club have set a €5 million (£4.2m) asking price for the defender.Couto’s contract expires at the end of the year and Coritiba expect to sell the defender ‘in the coming days’.ADVERTISEMENT Metro Sport ReporterThursday 9 Jan 2020 11:37 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link11.5kShares Yan Couto played a key role in Brazil’s win at the Under-17 World Cup last year (Getty Images)But Couto would not be able to join Arsenal until he turns 18 in June.AdvertisementAdvertisementGloboesporte report that Couto’s agent has already held talks with three top clubs in Europe and teams are aware of Coritiba’s £4.2m valuation.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man City‘I know him very well because I’ve followed the youth teams a lot,’ said Coritiba coach Eduardo Barroca.‘Of course, he is a very good player.‘He is a very young player and is already consolidating himself as a top player. We are working normally in these early days and expect to count on him in this period that he is here.’Last year, Edu played a key role in Arsenal’s surprise move for Gabriel Martinelli, who was signed from Brazilian side Ituano.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal Advertisement Comment Arsenal in race to sign Brazil right-back Yan Coutolast_img read more

Zaratan Passes SMC Inspection Ahead of Taiwan Trip

first_imgSMC has completed a full inspection of Seajacks’ self-propelled jack-up vessel, Zaratan, ahead of its deployment to Taiwan in the coming weeks.Seajacks Zaratan will be utilised as an installation vessel in the coming months for construction of the 120MW Formosa 1 Phase 2 offshore wind farm. The installation works are scheduled to start in the second quarter of 2019.Zaratan has now been inspected by SMC on three separate occasions, in addition to hosting SMC’s offshore construction personnel during the development of the world’s furthest offshore wind farm, the Veja Mate wind farm.SMC Managing Director, Capt. Ian Coates, who completed this latest inspection, said: “The Zaratan is a vessel with which we are extremely familiar, and it is a pleasure to continue to work with our long-standing client, Seajacks. We will be keeping a close eye on the vessel’s activities in Taiwan as we anticipate further successes for her in the region in the coming years.”The Formosa 1 Phase 2 wind farm will comprise 20 Siemens Gamesa 6MW wind turbines installed on monopile foundations around six kilometers off the west coast of the Miaoli district, with water depths ranging between 15 and 30 metres.Once fully built in the second half of 2019 and fully operational in 2020, the Formosa 1 will have the capacity of 128MW.The Formosa 1 Phase 1 comprises two 4MW Siemens Gamesa wind turbines, which have been in operation since May 2017, and is Taiwan’s first operating wind farm.last_img read more

Financial institution announces sports scholarship

first_imgA newly opened financial institution has announced a sports scholarship which will be awarded to a deserving student who was successful at the 2012 Grade Six National Assessment.Managing Director of Big Edge Financial, Antonilia Doctrove, explained that the decision to award this scholarship was based on the fact that sports is “very dear” to their hearts. “We believe that sports and academics can be successfully combined with proper time management. This is a new initiative, it is the first time an organization has decided to grant a sport scholarship, and we hope that this can be an incentive to students who possess sporting talents”.The intention is to reward a student who “excelled in any sporting discipline” during the just concluded academic year, 2011/2012.According to the managing director, the scholarship is valued at twice the amount of a government scholarship as they will provide “an additional amount to assist the students with continued training in their chosen sport” as well as text books.Although Big Edge Financial will be awarding the scholarship, the recipient will be chosen by the Sports Division.“The choice of the student will be solely and exclusively done by the Sports Division and there will be an annual evaluation of the student’s academic and sporting performances to ensure that students maintain acceptable standards”.The company anticipates that the scholarship will be an annual one and that it will also assist in promoting and encouraging sporting and academic excellence among the youth of Dominica. Dominica Vibes News Sharing is caring! LocalNews Financial institution announces sports scholarship by: – June 29, 2012 Share Sharecenter_img Tweet Share 35 Views   3 commentslast_img read more

Eric Heppner

first_imgThis marks the 20th season that Eric Heppner is the head football coach at Batesville High School.  He is the longest tenured coach in southeastern Indiana.  Not only is Eric in his 20th season but all of his assistant coaches except for one or two have been with him for all those 20 years.  This consistency is very rare today.Eric’s record is 138-81.  The stability of his program is recognized by the area coaches.  The only coach in the area with more years coaching is Kirk Kennedy of Franklin County, but he is only in his 2nd season with the Wildcats.The weight program at BHS has been a big factor in the football team’s success.  Not only has it improved the football program, but all other sports as well.  Coach Heppner brought the program to Batesville when he became the head coach.  Eric played as a lineman for Batesville despite his small stature.  He took his talent to Franklin College where he played football and received his education degree.  We are glad Coach Heppner decided to come home.  Great job, Eric!last_img read more

Manchester United winger Antonio Valencia doing ‘well’ after foot operation

first_img The 30-year-old posted a picture on social media from his hospital bed to say the surgery had gone well and he will now begin a rehabilitation process. Valencia was kicked on the foot during the first half of United’s goalless draw against Manchester City on October 25 but played on until late in the game before being replaced by Matteo Darmian. The Ecuador international had just ousted summer arrival Darmian as Louis van Gaal’s first-choice right-back but now faces an unspecified time on the sidelines having gone under the knife. “#mufc can confirm @Anto_V25 has had an operation on his foot,” the club posted on their official Twitter feed. Valencia then followed up with a picture of himself just after the procedure. “Thank God came out well from the operation. Now think about my recovery,” he wrote. In Valencia’s absence, both Darmian and Ashley Young have started two games apiece at right-back as Van Gaal’s Red Devils continue to boast the best defensive record in the Barclays Premier League. Saturday’s 2-0 win over West Brom was enough to see United close to within two points of the top of the table heading into the international break. Valencia joins fellow full-back Luke Shaw on the injured list, with the England international sidelined for the coming months after suffering a double leg-break during United’s 2-1 Champions League defeat at PSV Eindhoven in September. Press Associationcenter_img Manchester United winger Antonio Valencia has undergone an operation on a foot injury he suffered in last month’s derby, the club have confirmed.last_img read more