Growing your loan portfolio requires detailed knowledge of target members.by: Harvey FosterLending has been reinvented over the past several years, as regulatory demands have substantially increased the expenses and operational requirements for doing business.As a result, the cost of originating mortgages has tripled over the past decade, according to the Mortgage Bankers Association’s Quarterly Performance Report.Despite additional requirements and oversight, there are still significant opportunities for credit unions right now. According to market data highlighted in a May 2015 report by Raddon Financial Group (part of Fiserv), there is an estimated $1.2 trillion market for mortgage originations this year—a 7.1% increase over 2014.This growth can be attributed to a positive outlook from consumers, which may also drive demand for an array of other loan types, such as home equity, auto, and business.In order to capitalize on the strong consumer demand, credit unions need to align their products to meet borrowers’ unique needs. Additionally, as consumers are increasingly embracing the “do-it-yourself” approach to financial services, credit unions must also have the technology in place to enable self-service options for loan shopping and applications. continue reading » 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Napoleon, In. — St. John’s Lutheran Church of Napoleon will hold the monthly “Smorgasbord dinner” Thursday, May 2 from 4:30 to 7 p.m. The menu includes ham, German hot potato salad and homemade coffee cakes.Carryouts are available. For more information please call 812-663-3839.
You know the rules.Each base must be touched, each ball hit within bounds—or so you hope. No spitballs, corked bats, pine tar, or steroids. Four bases to run. Three strikes, you’re out.Those are the basics of baseball. But rules, of course, can be changed, just like the game itself and in the new book “1954” by Bill Madden, you’ll see how the game was altered forever by one simple fix.It was a time when Perry Como dominated the music charts and Elvis was just some kid in Memphis. The Cold War raged; Brown vs. Board of Education was decided; and radio was king, although everybody wanted a television set on which to watch a few brief programs on a handful of stations.It was 1954 and, like much of the world, baseball was in the midst of change, too.Though Jackie Robinson had broken baseball’s color line seven years earlier, many teams had rosters that were still completely white. The Dodgers were “the most aggressive” on tackling segregation with six black players that year. The Indians had five and the Giants, four. That complete desegregation was coming was obvious, despite protests against it and owner reluctance.Willie Mays, returning after two years in the Army, was one of baseball’s 38 (out of 536) Black players in 1954. Mays had been spotted by scouts while still in high school, but was denied a spot on at least one team whose owners refused to sign a Black player. In 1954, he signed a contract for $13,000 and became a Giant.Mid-season, Ernie Banks joined the Cubs as “one of the elite players in the Negro Leagues.” Hank Aaron was brought up for the Braves, though he’d been mercilessly (and racially) derided for his running style. Other talented black players followed them to the majors, and at the end of the 1954 season, fans gathered to “witness the first World Series game in history with players of color on both teams,” a game between the Indians and the Giants.Four teams (the Yankees, the Tigers, the Phillies, and the Red Sox) had yet to integrate.Recognize those names? It’s likely that you do, especially if you’re a baseball fan—and there’s so much more here for you if you are. For everybody else, though, “1954” will be an eye-crossing, head-spinning mix of statistics and stories that won’t mean nearly as much.In the lightning-fast manner of a sportscaster, author Bill Madden tells a story that goes beyond Jackie Robinson’s history-making 1947 debut. Readers will learn why 1954 was so important to the game; how racism continued to taint the industry for at least a few more months after this iconic season; and how, 60 years ago and despite that it had been around awhile, the game was really still evolving.(“1954: The Year Willie Mays and The First Generation of Black Superstars Changed Major League Baseball Forever” by Bill Madden, c.2014, Da Capo Press, $25.99/$29, Canada, 290 pages.)Follow @NewPghCourier on Twitter https://twitter.com/NewPghCourierLike us at https://www.facebook.com/pages/New-Pittsburgh-Courier/143866755628836?ref=hlDownload our mobile app at http://www.appshopper.com/news/new-pittsburgh-courier
TINTON FALLS – If your son or daughter is looking this summer for fun, fundamentals or fascination, they might just find it at Ranney School.The Hope Road school holds a wide variety of summer programs for youngsters that will offer them everything from the day-camp experience to a selection of academic, gifted and talented and fine and performing arts courses. The program offerings are available in a range of lengths and times.“Learning over the summer needs to be fun and that’s a philosophy for us,” said Kathleen Deeken, director of summer study. “We have opportunities to enhance skill building and we have opportunities for students to try something new to see if they love it but it has to be about fun…It’s not business-as-usual in the classroom.”There is an 8-week day camp program for children ages 3 to 13 that features swim lessons, sports and course electives and arts. There are trip camps for students, ages 10 to 13, with on-campus time and then one or two trips weekly off campus to events and destinations including ballgames, museums and other fun experiences destinations.There are also sports camps that have proven “very popular” over the years, according to Deeken, who has developed the courses for the summer. “We have for 8- to 13-year-olds basketball, fencing, soccer, swimming and tennis. Then for 9- to 13-year-olds, we have boy’s lacrosse, and golf for 6- to 10-year-olds and then golf for 11- to 14-year-olds,” she said. “It’s a combination of skill building, practice and some opportunity for a little bit of competitive skill as well.”This year Ranney is offering a new program for 14-year-olds. The counselor-in-training (CIT) program is “going to be a really neat program,” Deeken said. “Students will have an opportunity to develop some leadership skills … assist in camp groups … and they are going to have CPR training,” she said. “They are going to be expected to keep a leadership journal and will have access to adult mentors.”Ranney School will be offering a variety of academic programs that will help students keep up with their studies and strengthen their skills during the summer. There also will be courses that will give children an introduction to new disciplines “so they will have an advantage stepping into the classroom after the summer,” Deeken said.There are math classes high-schoolers can take for credit and PSAT, SAT and ACT test preparation courses.Deeken is particularly excited about the Science, Technology, Engineering and Math classes, a program called STEM, that will be offered for children from age 4 to those in eighth grade.There are interactive preschool adventure weeks for 4 and 5 year olds. The sessions are from 9 a.m. to 1 p.m. during which the children will get an introduction to some academic topics using hands-on, critical-thinking skills with such offerings as “Amazing Animal Architects,” “Marvelous Magnets,” Engineering Adventures” and “Creative Adventures: Painting and Drawing from Nature.”Youngsters interested in the performing arts and fine arts won’t be left out. There are arts classes for students in elementary school to those in eighth grade.“Kids work so hard during the school year, that they really need some opportunities to be able to engage in some things they may not necessarily see day to day in the classroom,” Deeken said.The school has scheduled open houses on March 2 and April 20 for its summer programs. Additional information is available by visiting the school’s website at www.ranneyschool.org.
UPDATE – the Dawson Creek RCMP have released more information about what lead to the incident at the Wholesale Club in Fort St. John. For more details, click here.- Advertisement – An incident that occured at the Real Canadian Wholesale Club at about 12:45 on Tuesday has several police cars carry out a wide search for a supect.Energeticcity.ca has recieved several news tips that an employee in the Pharmacy was pepper sprayed.More to come.
Irish Water has today warned that certain areas of Letterkenny may experience water issues due to new connection works.Works are scheduled to take place from 8am to 5pm this Wednesday, 27th November in Manor View, Fairgreen Park, Fernhill, Solomon’s Grove, Hunters Wood, Old Glencar Road, Glencar Road, Ard Ghlass, College Park, The Elms, Glenoughty Close, Ashleigh Close, College Farm Road, Glencar Road, Black’s Bridge, Long Lane and surrounding areas.Supply disruptions, low pressure and discolouration are all possible during this time. Homeowners are being advised to allow 2-3 hours after the estimated restoration time for your supply to fully return. Risk of water disruptions and discolouration in parts of Letterkenny was last modified: November 27th, 2019 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)
Click HERE if you’re having trouble viewing the gallery or video on your mobile device.WATCH: 49ers post-game analysis by reporter Dieter Kurtenbach. It was a calamity. It was an embarrassment.It was a downright waste of time.But more than anything else, it was a reminder — a stark, oh-so-painful reminder — that successful NFL teams are more than a star quarterback and a few solid defenders.No sir, good NFL teams go 53 men deep, and it takes time, skill, and a bit of luck, to …
11 April 2013 South Africa’s Western Cape boutique hotels and guesthouses have seen a surge in investment by overseas buyers, according to Pam Golding Lodges and Guesthouses (PGLAG). The outlook for investment in tourism locations in the province is positive as statistics show that South Africa enjoyed a 10.4% increase in foreign visitors from January to October 2012 compared to the same period in 2011, said Peter Bruil, the managing director of PGLAG, a subsidiary of Pam Golding Hospitality. “Market activity in the guesthouse and boutique hotel market indicates growing interest in this region,” Bruil said in a statement on Tuesday. An increase in international and local visitors, together with increased sales by PGLAG, culminated in a good 2012 for the Western Cape’s property market. The sale of two 4-star guesthouses in Somerset West and Hermanus further improved the outlook. “The combined value of these two sales is close to R17-million,” he said.‘Vote of confidence in South Africa’ “It is notable that the purchasers of these prime-located establishments are overseas investors who already a presence in South Africa.” Albourne Guesthouse in Somerset West was bought by Korevest Leisure Management Group, a specialist investment company focusing on small and medium-sized businesses in emerging markets, while Whale Rock Cottage in Hermanus was purchased by Dave and Anouk Bakker. A former national cricket captain for Holland, Dave Bakker visited South Africa and fell in love with the country. He and wife Anouk purchased WedgeView Country House & Spa in Stellenbosch and acquired Whale Rock Cottage to expand their business. Korevest was founded by Dutch-born Tin Korver, who relocated to South Africa 18 years ago and is now based in Cape Town. The two guesthouses have been operating for over 20 years. “They both cater predominantly for the overseas tourist in high season, servicing mainly markets from the UK, Germany and the Benelux countries (Belgium, The Netherlands and Luxembourg), while in low season they attract mostly South African corporate travellers,” Bruil said. He said both buyers invested additional capital, which is a vote of confidence in the country as a desirable investment destination. “In addition to the healthy growth in revenue during 2012, confidence has been boosted by the rand exchange rate, which makes South Africa some 20% more affordable as a tourist destination than a year ago,” Bruil said. “We are currently in an advanced stage of negotiation with a number of overseas buyers, including clients from Korea, Thailand, Germany, Switzerland, The Netherlands and England, and have a selected number of quality investment opportunities available.” SAinfo reporter
Share Facebook Twitter Google + LinkedIn Pinterest Do you have enough feed for this winter? Is it of good quality? If not, there is still time to generate more quality feed for this winter for our cattle. What can we do?Stockpiled field in NovemberFirst and foremost, resist the temptation to graze our pastures too close to avoid feeding hay early. When our animals overgraze, bad things happen. Grass that is grazed too close will have to start growing from the roots. Grass not grazed too close can start growing from parts above the ground. If we leave vegetation above the ground, that will help keep cover over the soil and conserve moisture. When do receive rain, more moisture will soak into the soil, especially if we have heavy rains and the ground has some slope. We may be able to still get more growth early this fall that can still be grazed. To take it even a step farther, we also still have time to stockpile fields for grazing hay or pasture fields later in the fall and early winter.Stockpiled field in FebruaryWhile early August is probably the best time to initiate stockpiling, you will still get a yield and quality response if you apply nitrogen now. Predominately grass fields work best, with fescue being the top choice. For those new to this practice, stockpiling means to make the last harvest, mowing or grazing of a field, then set it aside to let it grow for grazing at a later time. This will provide the plants a chance to rest, build root reserves and produce forages for grazing later in the fall or even winter. The addition of 50 pounds of nitrogen can provide an additional 1,000 pounds of dry matter.We did a study where we applied 50 pounds of urea on September 24th and harvested the plots on Nov. 3. The plots with no urea averaged 2290 pounds of dry matter and the plots with 50 pounds of urea averaged 3271 pounds of dry matter, so there is still time. Don’t forget the protein content of the grass will improve as well. One issue with applying the most common form of nitrogen, urea, is that if it does not rain a half of an inch within a couple days when the soil temperatures are still warm, it could start to volatilize or evaporate, losing its effectiveness. The addition of a nitrogen inhibitor when dry weather is forecasted can extend the window to maintain effectiveness for up to two weeks. Another form of nitrogen to consider is di-ammonium phosphate or 18-46-0, if your soil tests also call for the addition of phosphorous. The 18% nitrogen in this fertilizer is more stable than the urea form of nitrogen.Can you still plant something? The answer is definitely yes. Small grains are still an option. Oats and cereal rye come to mind. They can be planted together or separate. Oats will grow fast and die off after cold weather sets in and cereal rye will grow slower, maintain quality, provide some forage in late fall, then provide early season growth when weather breaks next March. One nice thing about oats is if you have a field that has been grazed close, I have seen successful plantings when simply drilled right into the existing vegetation. If this is done, consider applying fertilizer after the oats have emerged to prevent the existing vegetation from utilizing too much of the fertilizer. Another advantage to planting oats or cereal rye is that it should be high quality to offset potentially low quality hay that we may have.Grazing Oats and Rye (photo courtesy of Mark Landefeld)Finally, will there be any crop residues that can be grazed after harvest? One that is often overlooked is grazing corn residue. According to my co-worker, Rory Lewandowski (November 27, 2013 Ohio Beef Newsletter) between 14 and 16 pounds of corn residue dry matter is left in the field for every bushel of corn harvested. University of Nebraska has done a lot of work with this and typically, less than one-third is removed from the field from grazing. Another University of Nebraska study conducted from 2004 to 2009 found an average of one bushel per acre of grain was also available for grazing. So while fall is here, we still have a small window to produce and utilize several types of feed for our cattle.
CureCRM is new software as a service that aspires to be the “cure for the common CRM.” As you might be able to tell from its logo, the service is first and foremost about integrating closely with email. It acts as an email-based assistant for CRM work, and it can automatically log business-related email activity on both its own site and Salesforce.com. The product also focuses on including Twitter in the mix, making it a promising, if not entirely complete, addition to the social CRM space that is rapidly maturing in 2009.Twitter Relationship ManagerIn addition to the relationship management that you’re probably used to, CureCRM includes a little bit of character from the social CRM space by integrating smoothly with Twitter. If you opt to connect your company’s account with OAuth, tweets become a part of the workflow. Twitter friends become a part of the contacts system, you can track conversations just like email, and team leaders can assign an ongoing Twitter conversation. Email-powered CRMThe core paradigm of CureCRM is built around connecting closely with email. It extracts your contacts to seed your CRM, it feeds out assigned tasks and reminders, and it can automatically log related emails into both their site and Salesforce.com if you opt to integrate the two. In addition to connecting with Google Apps/Gmail, as well as Outlook and Exchange servers, CureCRM features a personal email assistant somewhat reminiscent of the now-defunct Sandy. CureCRM might seem a little strange for those familiar with more common CRM systems. But that’s because it’s more like an application that sits on top of your typical CRM, allowing you to do a better job of managing and automating the pipeline of activity. The system creates a central administrative view that is a stream of emails and tweets.In practice, that kind of management means you can do things like automatically pull in prospect-related emails into your CRM, rather than relying on salespeople to go to your CRM and manually log them. The basic package with CureCRM is $29.95/month, or $49.95 if you want the whole shebang with the Outlook plugin and Salesforce.com integration.Room to ImproveIn our tests, CureCRM was fairly intuitive, especially to someone who might already be familiar with Twitter. As someone who has felt the frustrations of having to manually chronicle customer interactions in a CRM, I could see this system improving things for people.But if it wants to continue as something that feels like an improvement to the typical CRM, then they need to connect with more than just Salesforce.com and Twitter. Integration, both the ability to do it and how easy it is, is a huge concern for enterprises looking to adopt SaaS solutions. The software needs to work with other kinds of CRMs (which might not be SaaS) and connect to other public networks where conversations are happening. By doing both, CureCRM could show real potential for building on what it has gotten right with CRM already. IT + Project Management: A Love Affair Cognitive Automation is the Immediate Future of… Tags:#enterprise#Products#saas Massive Non-Desk Workforce is an Opportunity fo… Related Posts 3 Areas of Your Business that Need Tech Now steven walling