first_imgA recent survey showed that credit unions and their members are looking for different things from their credit cards. In fact, 76% credit union card goals were aimed toward growth, while the rest prioritized member services. But here’s the rub: 100% of members polled listed “false declines” as their number one service issue for credit cards. Clearly, there’s a disconnect between member experience and credit union card goals. Growth is a good end goal but making sure existing cardholders feel taken care of is paramount for retention.  There is nothing more frustrating to a member than a false decline in the middle of a busy day. Why Card Declines are a Problem Speaking from personal experience, I know how frustrating a false decline is. Recently, an old friend came through town. We caught up over drinks and because we were on my home turf, I offered to pick up the tab. My card was declined. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more


first_imgThe fact is that in the past four years, family accommodation has had no luck with the line ministry. Let us remember the constant negative announcements and threatening announcements that were supposed to “blacken” and disparage family accommodation. An impressive reminder could be compiled from the archives. Expectations from the Ministry of Tourism and the Croatian National Tourist Board system They are interrupted regional landlord gatherings under the listed brands. In fact, there was no more talk, it was not advisable to mention family accommodation. It’s been four years the most massive and most visited accommodation was “blacklisted.” Prizes for the most successful have ceased to be awarded, and even the candidacy of the best at European level has been left to private initiatives without any media coverage. All those who previously followed the development of family accommodation, once, as per the decree, completely turned their backs on the hosts of family accommodation. We keep our thumbs up for the better. What decisions will be made regarding assistance to households, will the dialogue with representatives of family accommodation continue? We will get the answers to these questions very soon. Persecution of family accommodation At the county level, projects to improve family accommodation from “Domus bonus” in Istria, through “Kvarner family” in Kvarner, “Blue & green homestay” in Lika-Senj County to “Welcome” Zadar and “Like Home” Šibenik-Knin have also been stopped. counties. Next week – decision week Institutes and faculties tried to prove that Croatia does not need such an activity, that it should be additionally taxed. They even blamed family accommodation for the lack of enrolled students in some studies… Threats There are some threats realized: household pensions were abolished, recategorization according to construction parameters was introduced, aid for swimming pools was abolished, income tax, tourist tax and tourist membership fee were significantly increased. Communication with representatives of family accommodation was interrupted for three and a half years, the “National Plan for Improving Family Accommodation” was not implemented, and annual gatherings at the national forum, which were once supported by both the Ministry of Tourism and the Croatian Tourist Board, were closed. The new Minister of Tourism and Sports also seems to see what others could not or should not have seen. Minister Nikolina Brnjac has a chance continue what ministers Ostojic, Lorencin and Kliman started. Improveand popular segment of tourist accommodation offer – accommodation with the host, was a strategic decision until 2016. That plan was logical in response to world trends. In these trends, accommodation with Croatian hosts regularly took the position among the 5 best in the world. This continued this Covid-19. The tourist season of 2020 depended entirely on family accommodation. Faithful guests were the first and most massive “Covid 19 returnees”. For statisticians, it is a “grop in the throat” when they look at numbers that are more than ever on the side of family accommodation. Stopped projects A new minister, a new hope? Author: Nedo Pinezić, www.nedopinezic.com / Photo: HRTlast_img read more


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first_imgEmmanuel Petit has had enough of Emery at the Emirates (Picture: Getty Images)‘Arsene Wenger built this club for 20 years and there was concern as generation after generation came and went. But now they look like an average team without any inspiration or creativity – and I don’t think that’s solely down to the players.‘My opinion is that most of the players have given up on Emery, so it’s time for him to go.‘I watched the game against Leicester and Arsenal looked terrible. They had no spirit, no hunger, nothing at all. I wondered to myself, “What is going on at this club? What is happening to this club?”’Arsenal’s head of football Raul Sanllehi gave Emery the dreaded vote of confidence on Monday, and Petit believes this just proves that the hierarchy at the Emirates are ready to pull the trigger on the former PSG boss.‘What the club came out and said about Emery’s job being safe is not true at all,’ said the World Cup winning midfielder.‘This is a political answer and most of the time when I hear officials or shareholders talk like this it’s proof for me that they’re already thinking about sacking the manager. It’s the opposite of what they’re saying that might be true.’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 CityIt was reported on Tuesday that Emery is not about to get the sack, but he has less than two months to save his job.Arsenal host Manchester United in the Premier League on New Year’s Day and if they are not in with a realistic chance of making the top four after that contest then Emery will likely lose his job.MORE: Arsenal board give ultimatum to Unai EmeryMORE: Patrick Vieira backs Granit Xhaka to play again for Arsenal and slams his critics Comment Phil HaighTuesday 12 Nov 2019 6:36 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link148Shares Unai Emery is under increasing pressure at Arsenal (Picture: REUTERS)The Arsenal squad has completely lost faith in Unai Emery and it is time for him to be sacked as manager, according to Gunners hero Emmanuel Petit.It has been a very tough few weeks for Emery, with Arsenal now without a win in five games after defeat to Leicester City in the Premier League on Saturday evening.The Gunners may only be sixth in the table, which does not seem disastrous, but with just four wins from 12 Premier League matches, and already eight points off the top four, things look quite bleak at the Emirates.A negative goal difference is a worrying sign for the red half of north London, as is the seeming disharmony in the squad, epitomised by Granit Xhaka being stripped of the club captaincy after a spat with fans.AdvertisementAdvertisementADVERTISEMENTPetit believes that enough is enough and that it is time for Emery to be dismissed from the Emirates dugout.‘I believe it’s time for Unai Emery to leave Arsenal,’ the Frenchman told Paddy Power. ‘The results are not good at all. I don’t recognise this team any more and I don’t recognise this club any more. Advertisement Arsenal players have given up on Unai Emery and the board are ready to sack him, says Emmanuel Petit Advertisementlast_img read more


first_img Healthcare,  Medicaid Expansion,  National Issues,  Press Release,  Public Health,  Statement,  Substance Use Disorder Harrisburg, PA – Governor Tom Wolf today released the following statement on Senators Bob Casey and Joe Manchin’s focus today on how the Republican approach to cutting health care would worsen the opioid and heroin crisis:“I want to thank Senators Casey and Manchin for raising awareness on the urgent need for the Washington Republicans to reverse their current course on health care cuts. Slashing Medicaid and rolling back consumer protections for pre-existing conditions would hinder people from seeking substance use treatment and may mean people losing access in the midst of their treatment. I have travelled Pennsylvania and spoken with people in recovery, parents, law enforcement and community advocates and they need more resources, not less. There is no doubt deep cuts to Medicaid and rolling back Medicaid expansion would mean less people in treatment, more overdoses and more pain for families and communities across Pennsylvania. I am proud of the work my administration has done to increase access to treatment and I will fight every day to keep hope alive for people in recovery and their families.” SHARE Email Facebook Twitter June 20, 2017center_img Governor Wolf Statement on Opioids and Health Care Cutslast_img read more


first_imgE.ON has launched its voluntary public takeover offer (PTO) for shares in innogy SE following the approval of the offer document by the German Federal Financial Supervisory Authority.The PTO is being made following the agreement between E.ON and RWE in March under which E.ON will acquire RWE’s 76.8 percent stake in innogy via a far-reaching exchange of assets and businesses.Under the agreement, the renewables businesses of E.ON and RWE would be brought together under the umbrella of RWE.Following the completion of the transaction, RWE will operate approximately 8GW of renewable energy assets, including offshore and onshore wind as well as hydro and photovoltaics.The two renewables businesses of more than 2,500 employees will be brought together within the RWE group alongside RWE’s existing segments, the companies said in March.The takeover offer is expected to close not before mid-2019, subject to certain closing conditions, including approval by the relevant antitrust and regulatory authorities.last_img read more


first_imgØrsted has joined a GBP 400,000 sea state forecasting project, launched by UK’s national Operations & Maintenance (O&M) Centre of Excellence, a collaboration between the University of Hull and the Offshore Renewable Energy (ORE) Catapult. “This big-marine-data approach, along with bathymetry and site configuration data, is enabling researchers to produce an artificial intelligence-based method that will be used to make a step-change in the resolution and accuracy of fine-scale at offshore windfarm sites”, ORE Catapult said. Downward-facing radars have been installed on wind turbines turbines at Ørsted’s 258 MW Burbo Bank Extension offshore wind farm. The radars will record wave height, direction and period, together with combined met-ocean data and existing forecasts. The project’s goal is to deliver a significant reduction in missed working days by developing an innovative approach to sea state forecasting. By improving wave forecast modelling, the project team aims to contribute to increasing the accuracy of sea state forecasting at the level of an individual offshore wind turbine. This should drive efficiency gains in operations and maintenance, increase safety, and contribute to further reductions in the Levelized Cost of Energy (LCoE) for offshore wind, according to ORE Catapult. “With total O&M costs contributing around 25% to the lifetime costs of a typical offshore wind farm, the positive impact on planning by owners/operators is clear, with ORE Catapult analysis suggesting that innovations in forecasting techniques could help to reduce missed working days by a quarter”, ORE Catapult states.last_img read more


first_imgStuff.co.nz 8 February 2014Women might shack up with a good-looking bloke but when it comes to tying the knot nice guys finish first, new research suggests.The United States study found that for men, having an above-average personality coincided with a greater chance of marriage.But for those with better-than-average looks, living with a partner was less likely to lead to wedding bells.Otago University social psychologist Jamin Halberstadt said the findings were consistent with evolutionary psychology, which distinguished between marriageable men – and short-term mates.“Crudely put, the distinction is that women are looking for highly fertile men for short-term relationships and highly dependable men for long-term ones. So women have different types of cues.”So while a strong-jawed, classically handsome man is viewed as being a good option for fathering offspring, a less good-looking man with a great personality will be considered a better bet for a stable, emotionally and financially committed marriage.http://www.stuff.co.nz/dominion-post/news/9698719/The-nice-guy-wins-after-alllast_img read more