by: Jeff RoseEvery decade of life has its financial challenges and opportunities.In your 20s, you feel invincible.Your 30s brings on a whole new set of responsibilities including career and family.However, your 40s are especially important because you are closing in on retirement.Making a huge money mistake in your 20s isn’t nearly as devastating to your long-term prospects as doing so in your 40s.Now that you’re scared spitless, here are 40 financial rules for your 40s: continue reading » 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jeff Mortenson Jeff Mortenson is VP/client relations for AutoPilot® services. Jeff is primarily responsible for client relations surrounding SWBC’s financial institution group’s AutoPilot services; a suite of risk and account management … Web: www.swbc.com Details You keep hearing about the digital revolution—technology is becoming more and more integrated into our daily lives. The way financial institutions transact and communicate with borrowers has evolved as well, largely due to changes in technology and a shifting consumer mindset. There is a push for credit unions to continue finding ways to innovate and stay relevant amongst the competition. The effect that Amazon and other digital retailers have had across many industries has resulted in resetting the average consumers’ expectations. Consumers want options. And the wants of each generation of consumers can be different. It’s frustrating; trust me, I get it. Changes in communication brought about by new technologies of the digital revolution also apply to how you administer and communicate on your accounts that are past due. Thankfully, technology has afforded us ways to become more efficient, more personal, and focused on giving a borrower options that they may not even mind that you’re reaching out to collect payment. Thanks to automation, machine learning, and technology that can be integrated into core systems, the future of interacting with borrowers during the collections cycle is looking very promising. Here’s what I mean. Borrower Contact PreferencesDifferent people prefer communicating through different channels. As technology creates more contact options, it’s important to keep pace with borrower preferences. Phone calls, emails, and text messages are all expected options for borrower-institution communication. Consistency and redundancy are both preferable and possible, with some consumers stating their preference for a given method and others requiring multiple contact methods to gain top-of-mind awareness.In 2015, MarketingSherpa commissioned a study to understand how consumers prefer to be communicated with across more than a dozen channels. With more than 2,000 responses, the majority of U.S. adults prefer email communication—to the tune of 72%! And the astounding fact was that regardless of age group, email was the preferred method to communicate with a company. The late millennials and early Gen X-ers were the biggest champions of email communication at a whopping 87%. So how does this data apply to the collection world? Text-to-CollectIt’s clear by now that credit union members, like almost everybody else in the country, are attached to their mobile phones and devices. As we’ve already discussed, traditional bank competitors and technology firms offering text-to-collect payment options and other specific digital applications are eager to assist today’s consumers if we do not meet their needs.According to a 2019 TechJury article:5 billion people in the world can send and receive SMS messages.SMS messages have a whopping 98% open rate.Text messages have a 209% higher response rate than phone, email, or Facebook.90% of SMS messages are read within 3 minutes.To make sure your collections team is competitive, you should consider offering text-to-collect and other mobile based services. If your credit union allows members to accomplish their financial tasks from their mobile device via a communication platform that they prefer, such as text messaging, they’ll have no reason to take their business elsewhere.Mobile Payment and Communication SolutionsIt should come as no surprise that consumers rely on their smartphones to get through the day. According to the Pew Research Center’s 2019 research, the vast majority of Americans – 96% – now own a cellphone of some kind. The share of Americans that own smartphones is now 81%, up from just 35% in the Center’s first survey of smartphone ownership conducted in 2011. The numbers tell a revealing story. It’s evidently clear that in order to effectively reach your customers, creating tools and services that are mobile accessible, is a central aspect of an effective omnichannel communications strategy. In order to keep up with the times and your members’ behaviors, it is practically mandatory to implement mobile payment services in today’s collections environment. But, one-time implementation isn’t enough. You must commit to update offerings as the mobile world evolves. Some items to keep top of mind include:Knowing when and where consumers will most likely use their smartphones to make loan paymentsUnderstanding what factors impact the usage and engagement of your consumersLearning how the demographics of your borrowers interact with mobile technologyAn omnichannel strategy involves allowing your borrowers to access payment services from a variety of channels, including a website, a mobile application, social media networks, call centers, and physical branches. To further empower collectors, each channel should also provide metrics so that you can gather data and determine usage and engagement.Keeping up with the pace and lifestyle of your borrowers is not always easy—especially with the rapid pace of advancements in tech. However, connecting with borrowers on their preferred terms is a critical aspect of staying relevant, engaging, and valuable to your members.Advancements in technology have created shifts in borrowers’ communication preferences, and when it comes to collecting payments, it’s important to reach out to borrowers in a way that will encourage engagement—and payments! Learn more about in-house vs. outsourced collections. Download the collections comparison guide today.
– Advertisement – In the most demanding fixture of their Premier League season.“It was a tough decision to change the system before we play City,” he admitted afterwards. But it was largely vindicated.Liverpool were beaten 4-0 at the Etihad Stadium in July and there was a 5-0 defeat in this fixture back in 2017. Klopp has still never beaten Pep Guardiola’s side at the stadium in a Premier League fixture but the attacking approach almost blew City away early on.- Advertisement – Image:In the build-up to Manchester City’s penalty against Liverpool, Mane and Andrew Robertson were caught upfield leaving Wijnaldum exposed “I thought it made sense, that’s it,” Jurgen Klopp told Sky Sports before the game when asked about his selection. “If you want to get something here, you have to be really brave.”Faced with the decision of whether to choose long-time favourite Roberto Firmino or the in-form newcomer Diogo Jota, the Liverpool manager opted for both in a bold 4-2-4 formation.- Advertisement – Image:Sadio Mane is caught inside forcing Gini Wijnaldum to close down Kyle Walker and leave Kevin De Bruyne in space for Manchester City’s equaliser against Liverpool Firmino, playing as a centre-forward alongside Mohamed Salah, was one-on-one against Ederson within minutes. Sadio Mane found himself in space at the far post soon after. Manchester City were pinned back, they were put under pressure, and they were creaking.“Obviously, a little surprise for the opponent, the different system.” Image:Liverpool’s wide forwards were more tucked in during the second half as Klopp sought to control the half spaces “Half-time, we could adjust it,” Klopp explained.“The boys were compact again, we did not have these situations any more, City had to play a lot around the formation and these kind of things. All what we wanted.“In the game when they do not close this gap or do not close that gap, they think that it would not have happened with the other system. But the boys are just ready to listen, ready to adapt, and ready to perform, so I am really happy. It was really good football.“It is the game with the lowest number of chances that City have had against us. Even when they won the games, they had more.“The game, I liked a lot.” Gabriel Jesus’ equaliser illustrated the issue. Mane was upfield in a central position rather than in that left-midfield slot and that compelled Gini Wijnaldum to move wide to close down Kyle Walker in possession. That left De Bruyne free in the middle to feed Jesus.Over on the other flank, it was Jota caught ahead of the ball when Alisson’s kick went straight to Ilkay Gundogan. He passed to De Bruyne and they went close once more. The situation in the build-up for the penalty was slightly different. Andy Robertson was dispossessed by Walker and with Mane also out of the game having anticipated the pass, the covering Wijnaldum was left in a two-on-one situation and De Bruyne was away again.Robertson can make that ambitious run when playing in a 4-3-3 formation. Wijnaldum coming across is not such a problem when Fabinho is stationed in midfield. Asking the Dutchman to provide that protection in a two-man midfield leaves spaces vacant. FREE TO WATCH: Highlights from Manchester City’s 1-1 draw with Liverpool “That is always the big danger if you have got two in midfield and the wide players are wingers,” Jamie Carragher told Sky Sports.“If you think of the teams in the mid-1990s when you were going into Europe, and you played 4-4-2, a lot of times it’s like, ‘OK, that is great going forward, but can you get back in and help us, make us solid, make us compact’.“And that is sort of the risk and reward. A couple of times – as Jurgen Klopp says – they could not quite get back in there, that is when Kevin De Bruyne showed his class, setting up one goal, putting in a cross for Raheem Sterling, and also where the penalty came from.“But it happened very rarely.”That is because Liverpool found some of the solutions at the break. Jurgen Klopp felt it was a super game of football against Manchester City 4:20 Liverpool were worthy of their lead and it is that opening 20 minutes that will encourage Klopp that weaker sides could be beaten if they repeat this frenzied opening against others.What followed will be the concern.“For us, the biggest challenge for us tonight was for Sadio and Diogo, defending these half spaces. They are both, in their mind, very offensive players, but in these moments they have to become midfielders. These gaps, we left them open for like 10 minutes, and in these moments they got the goal and they got the penalty. That is how football is.”This was a genuine 4-2-4 in the first half and, as Klopp suggests, while that brought positives, there were also negatives.Allowing Kevin De Bruyne space proved costly. 3:00 – Advertisement – Image:Diogo Jota was caught ahead of the play in the build-up to De Bruyne’s shot Klopp is right. The expected-goals numbers show that – penalties aside – Manchester City’s chances against Liverpool on Sunday had an expected-goals value of just 0.63.That is significantly down on the numbers for the past two years and a mere fraction of the figures for the two seasons prior to that. Playing the extra attacker somewhat stifled City.“It is an offensive line-up but if everyone is doing their job, it is an even more solid defensive formation,” he added.Perhaps the worry is that it robbed Liverpool of something at times too. When Klopp points out that it is “an even more solid defensive formation”, this is likely because it becomes a four-man midfield rather than a three-man midfield given the demands on the wide midfielders.Is that the best way to utilise Mane and Jota?“It’s another goal threat for Liverpool,” said Carragher. “All the chances, it is always these four players involved, it is not one of the midfielders getting forward. It’s always about the real attacking players to get the goals for Liverpool.”Klopp has found a way to get his four forwards into the team. Finding a way to get them into their most effective positions and functioning to their maximum is the challenge now.
“I have often said I would remain a member of the Court as long as I can do the job full steam,” she said in a statement. “I remain fully able to do that.”Supreme Court justices serve until they die or voluntarily retire, and Ginsburg has clung to her position despite her age and health struggles, aware that if she leaves it could change the US judicial landscape.President Donald Trump’s administration would relish an opportunity to appoint a new justice who would tilt the court in a more solidly conservative direction, potentially shifting US law and social policy for decades.The four liberals — with moderate conservative Chief Justice John Roberts often acting as a swing vote — have prevented a reversal of long-standing abortion rights, rebuked stronger executive powers for the president and staved off greater involvement of religion in public life. Ginsburg, who was appointed to the court by president Bill Clinton in 1993, has suffered at least three previous bouts with cancer over the past two decades, including colon cancer and lung cancer.’I wish her the best’ “My most recent scan on July 7 indicated significant reduction of the liver lesions and no new disease,” Ginsburg said.”I am tolerating chemotherapy well and am encouraged by the success of my current treatment,” she said. “I will continue bi-weekly chemotherapy to keep my cancer at bay, and am able to maintain an active daily routine.”Throughout, I have kept up with opinion writing and all other Court work.”Ginsburg said a brief hospitalization this week for an infection was unrelated to her cancer diagnosis and treatment.Asked Tuesday at a White House press conference about Ginsburg’s health, Trump said: “I wish her the best… She’s actually given me some good rulings.”Trump has welcomed some of the Supreme Court’s rulings, but more often over the past three years it has dealt his administration setbacks — on his immigration policies and, more recently, his bid to prevent his finances from being made public. Both Trump’s Republicans as well as Democrats have made the balance of the court a campaign issue for November’s presidential election.Trump, who has already appointed two justices to the court, said in June he was planning to release a list of potential candidates for the next vacant seat if he is reelected.”If given the opportunity, I will only choose from this list, as in the past, a Conservative Supreme Court Justice,” he tweeted.Democrats have sought to mobilize voters, warning that Trump should not be allowed to name another justice.Hugely popular with Democrats, Ginsburg has become a feminist hero and an unintentional social media icon fondly known as “The Notorious RBG,” a riff on slain rapper The Notorious B.I.G.”She is the consummate fighter,” said Carl Tobias, a professor at the University of Richmond, calling Ginsburg “an extremely independent, clear, talented and farsighted jurist.””Even when her views do not prevail, she writes incisive dissents that eviscerate the majority’s arguments and show how similar cases should be resolved in the future,” he said.Ginsburg has been hospitalized several times in recent years, including for two days in May to remove gall stones.Her hospital stays have always seen her actively participating in court activities by teleconference.”She’s got this,” said Representative Joyce Beatty, one of several Democratic members of Congress who wished her a speedy recovery. “There’s a reason she’s #NotoriousRBG.”Topics : US Supreme Court Justice Ruth Bader Ginsburg, the 87-year-old anchor of its liberal wing, said Friday that she is undergoing chemotherapy for a recurrence of cancer but will remain on the bench.Ginsburg, one of the four progressive justices on the nine-member court, said a biopsy in February had revealed lesions on her liver.Ginsburg, the oldest member of the court, said a course of immunotherapy had proved unsuccessful but chemotherapy was “yielding positive results.”
Multi-units were expected to see the greater share of a reduction in new home building activity in the next few years. Picture: Jodie RichterHousing Industry Association senior economist Shane Garrett said the new dwelling approvals were at their highest level since August last year.“Over the past 12 months, new dwelling approvals have totalled 229,091 across Australia. This will ensure that a substantial pipeline of work will keep the housing industry busy for much of 2017,” he said.“Even though we saw a sharp bounce in new dwelling approvals during February, the overall building approvals profile is consistent with our expectation that new home construction will revert to lower levels over the next few years.”He said the multi-unit side of the market would see the greater share of the reduction in new home building activity. “Already, approvals are down by over 20 per cent in quarterly terms since August of last year.”More from newsMould, age, not enough to stop 17 bidders fighting for this homeless than 1 hour agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor6 hours ago Building Approvals (Seasonally adjusted Feb. 2017):Number of dwelling units – Up 8.3% (18,995 dwellings)Number of private sector houses – Up 5.3% (9,330 houses)Number private excluding houses – Up 10.9% (9,381 dwellings)Queensland +33.7 per centNew South Wales +19.6 per centTasmania -14.7 per centVictoria -8.8 per centSouth Australia -2.5 per centWestern Australia -5.5 per cent (Source: ABS/HIA) The number of dwellings approved in February surged 8.3 per cent (18,995 dwellings) according to latest ABS data.QUEENSLAND led the charge as latest building approvals hit a six-month high, latest official data shows.Seasonally adjusted approvals figures out of the Australian Bureau of Statistics showed an 8.3 per cent rise in the number of dwelling units approved to 18,995 dwellings in February, with Queensland (+33.7 per cent) and New South Wales (+19.6 per cent) the only states showing positive growth.Big drops were seen elsewhere, with the largest fall coming out of Tasmania (-14.7 per cent), followed by Victoria (-8.8 per cent), South Australia (-2.5 per cent) and Western Australia (-5.5 per cent).
Multinational Force to Hunt Down Boko Haram Crews hunt for debris, black box from doomed EgyptAir jet A US hunter who paid $350,000 to kill a black rhinoceros in Namibia successfully shot the animal on Monday, saying that his actions would help protect the critically-endangered species.Corey Knowlton, from Texas, downed the rhino with a high-powered rifle after a three-day hunt through the bush with government officials on hand to ensure he killed the correct animal.Knowlton, 36, won the right to shoot the rhino at an auction in Dallas in early 2014, attracting fierce criticism from many conservationists and even some death threats.He took a CNN camera crew on the hunt to try to show why he believed the killing was justified.“The whole world knows about this hunt and I think it’s extremely important that people know it’s going down the right way, in the most scientific way that it can possibly happen,” Knowlton told the TV channel in footage released Wednesday.“I think people have a problem just with the fact that I like to hunt… I want to see the black rhino as abundant as it can be. I believe in the survival of the species.”Since 2012, Namibia has sold five licences each year to kill individual rhinos, saying the money is essential to fund conservation projects and anti-poaching protection.The only rhinos selected for the hunts are old ones that no longer breed and that pose a threat to younger rhinos.The International Union for Conservation of Nature (IUCN) says there were about 850,000 black rhinos alive through much of the last century before hunting left only about 2,400 in 1995, but numbers have since edged up to about 5,000.“These are incredibly majestic creatures, and their worth alive is far greater than (when) they are dead,” said Azzedine Downes, of the International Fund for Animal Welfare (IFAW), one of the conservation groups opposed to the hunt.Both black rhinos and the more common white rhino have recently suffered from soaring poaching in South Africa’s Kruger Park where hundreds are killed each year for their horns which are used in traditional Asian medicine.The exact location of Knowlton’s hunt was kept secret to avoid tipping off poachers.Television footage showed Knowlton accompanied by a professional hunter and local trackers as they tried to find a rhino that was approved for killing.His first shots injured the animal before he fired the fatal bullets.“I felt like from day one it was something benefiting the black rhino,” Knowlton said just after the hunt ended, his voice croaking with emotion.“Being on this hunt, with the amount of criticism it brought and the amount of praise it brought from both sides, I don’t think it could have brought more awareness to the black rhino.”AFPRelated Emerging black talent in South Africa inspires others
The Batesville 9th grade got their first win of the season Saturday afternoon against Jac-Cen-Del 43-35.Batesville was led in scoring by Zach Britton with 14. John Harmeyer added 9. Rounding out the scoring for the Bulldogs were Peyton Meyer (6), Alex Roell (5), Mitch Esser (4), Anthony Butz (3), Zach Prickel (1), and Nathan Batta (1).“This was a good team win for us. We had a lot of guys come off the bench and contribute. I has happy to see carry over into a game situation on some things we emphasized during practice this week.” Batesville Coach Ben Siefert.The Bulldogs are now 1-1 on the year, and travel to South Decatur Monday night. Tip time is 6:00pm.Submitted by Batesville Coach Ben Siefert.
Loading… Promoted ContentWho’s The Best Car Manufacturer Of All Time?Birds Enjoy Living In A Gallery Space Created For ThemPortuguese Street Artist Creates Hyper-Realistic 3D Graffiti6 Amazing Shows From The 90s That Need A Reboot Right NowInsane 3D Spraying Skills Turn In Incredible Street ArtBest & Worst Celebrity Endorsed Games Ever MadeYou’ve Only Seen Such Colorful Hairdos In A Handful Of AnimeA Guy Turns Gray Walls And Simple Bricks Into Works Of ArtEver Thought Of Sleeping Next To Celebs? This Guy Will Show You7 Black Hole Facts That Will Change Your View Of The Universe10 Risky Jobs Some Women Do14 Hilarious Comics Made By Women You Need To Follow Right Now “Klopp has something special. Is it his energy? Is it his overall image? “I sometimes sit and think about what he does and what he has more than others. read also:‘I’m better than Liverpool’s Van Dijk’ – Said “I think it is his man-management. These days that is more important than anything in football. “Klopp gives you this great feeling. He is genuinely happy when you walk into the club in the morning. “It may sound daft, but that really inspires you as a player.” FacebookTwitterWhatsAppEmail分享 Liverpool defender, Virgil van Dijk, has admitted that manager Jurgen Klopp will be key to the current team sustaining their success. Van Dijk helped lift the spirits of the fan who is self-isolating away from his pregnant girlfriend Van Dijk, who became the world’s most expensive defender when he moved to Anfield from Southampton for £75million in January 2018, has admitted that both Manchester City boss Pep Guardiola and former Chelsea manager Antonio Conte offered him the chance to wear a blue shirt. He told the Mirror: “I had the chance to go to Chelsea and Man City. “When you compare the clubs, you look at the history, the town, the current squad, their plans for the near future. “But the most important thing you look at is the manager – and Jurgen Klopp is an important reason why I chose for Liverpool.Advertisement
Loading… Kingsley Coman admitted he felt “a little heartache” after his goal ended his boyhood club Paris Saint-Germain’s dreams of conquering Europe on Sunday.Advertisement Paris-born Coman was also awarded the MVP after heading home the only goal at the Estadio da Luz in Lisbon as Bayern Munich won the Champions League and were crowned the continent’s best side for the sixth time. “It’s an incredible feeling, lots of happiness and a bit of sadness for Paris, they had a great run,” Coman told French broadcaster RMC.“My heart was 100 percent Bayern because I’m 100 percent professional but I’m not going to lie, to see Presnel (Kimpembe) like that, to see our team like that, gave me a little bit of heartache.“Bayern won but you need to respect what Paris have done.”The 1-0 defeat for PSG, who Coman joined as an eight-year-old in 2004, means they yet to triumph in the competition the club’s Qatari owners want to win most of all.Read Also: PSG boss backs Neymar, Mbappe after UCL final lossBayern meanwhile strengthened their European pedigree after completing a second treble of Bundesliga, German Cup and Champions League titles, but Coman said that experience didn’t count in the final.“I think that’s a small detail that can have an effect, but it wasn’t just that in this game,” he said.“Paris played really well, as did we, I think that it was a great final and we are very happy.”FacebookTwitterWhatsAppEmail分享 Promoted Content10 Risky Jobs Some Women DoCouples Who Celebrated Their Union In A Unique, Unforgettable WayIs This The Most Delicious Food In The World?What’s Up With All The Female Remakes?8 Things You Didn’t Know About Coffee11 Most Immersive Game To Play On Your Table TopPortuguese Street Artist Creates Hyper-Realistic 3D GraffitiBest & Worst Celebrity Endorsed Games Ever Made18 Beautiful Cities That Are Tourist MagnetsThe Highest Paid Football Players In The WorldA Hurricane Can Be As Powerful As 10 Atomic Bombs7 Ways To Understand Your Girlfriend Better
RelatedPosts Gunners, Reds battle for Community Shield glory Arsenal sign Brazil winger Willian on three-year contract FA Cup semis: Gunners, City light up Wembley Arsenal vs. Bournemouth Venue: Emirates Stadium Kick off: 2PMArsenal host Bournemouth at the Emirates Stadium off the back of their 4-0 win over Standard Liege in the Europa League in midweek. The young Gunners put on an impressive display, and one or two may get their chance to shine against a Bournemouth side that have started well but have the joint-fifth worst defence in the league. A trend appears to be emerging, with the Gunners’ ‘cup team’ continuing to record more impressive performances, having won their three games across the EFL Cup and Europa League so far by an aggregate score of 12-0. Among the young Gunners to have caught the eye is summer signing Gabriel Martinelli, who has now hit four goals from just two starts and is making quite an impression at the Emirates Stadium. He joins a growing list of young Arsenal talent that are beginning to stake their claim for regular, Premier League minutes ahead of some of the more experienced names. The win also took Arsenal to seven games across all competitions without a loss, and the Gunners have only lost once in their 10 competitive outings this term – a 3-1 defeat to Champions League holders Liverpool. Bournemouth, then, face a tough test as they visit the Emirates, but Eddie Howe’s side have made an encouraging start to the campaign thus far. The Cherries sit eighth in the table and are a mere point behind the fourth-placed Gunners after recording just two losses in the league so far – one of which was against reigning champions Manchester City. A concern for Bournemouth, however, is the fact that they are still yet to keep a clean sheet in the league, shipping 12 goals so far – only Watford, Norwich City, Newcastle United and Chelsea have conceded more. Last time out they drew 2-2 with West Ham United, a prime example of how their attacking prowess can be hindered by their defensive weakness, conceding their second in the final quarter of the game at 2-1 up. Arsenal possible XI: Leno, Chambers, Sokratis, Luiz, Kolasinac, Guendouzi, Xhaka, Pepe, Willock, Saka, Aubameyang. Bournemouth possible XI: Ramsdale, Stacey, Cook, Ake, Rico, H. Wilson, Billing, Lerma, Fraser, King, C. Wilson.Tags: Arsenal FCBournemouth FC