4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Joe YoungYou don’t have to be a reckless spender to find yourself in debt. CNN touts that “one in three American adults have ‘debt in collections.’”An Urban Institute study reported that 77 million people are so severely in debt that their account has gone to collections, while a Detroit Free Press article warns, “Young adults have more credit card debt than savings.”Regardless of the angle, debt, severe debt, is an American epidemic.A Break Down Of CausationAccording to Bankrate.com, the top ten causes of debt are:Lower income, same spending habitsDivorceLack of money management skills/poor skills continue reading »
continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Credit unions often tell us they run into trouble when it comes to their social media, creating friction between the marketing team and the compliance team. Social media is a great way to reach members and promote products and services to potential members, but it is a common area of compliance confusion. The advertising regulations apply the same to social media posts as they do to other advertising – there are no free passes for social media. I know this can be frustrating to marketing teams trying to be fun or keep messaging short, but there just aren’t any exemptions to the regulations I can offer here.What I can offer, however, are a few tips. If these tips are followed closely, they could help minimize your social media compliance risk and keep the marketing and compliance teams singing in harmony.Present key items legibly. Specifically, an NCUA official advertising statement or Equal Housing logo. Not only do these items need to be present when applicable, but they also need to be clear and legible. A simple way to ensure you are staying compliant is to add the NCUA official advertising statement and the correct Equal Housing logo clear and legibly to your credit union’s main cover image, like the large banner images you see on Facebook and Twitter. Then you don’t have to worry about including these items in each post or tweet and it will always be clear and legible.
(WBNG) — A tractor-trailer rollover has closed all westbound lanes of Interstate 88 in the town of Otego. Traffic is being diverted off Exit 12, down State Route 7 and travelers can re-enter I-88 in Unadilla. The Department of Transportation is helping direct traffic and crews are working to get the debris cleared. 12:29 P.M. UPDATE: The New York State Police Department says the rig was carrying milk and other items which spilled onto the interstate. State Police say no injuries were reported in the incident. —– (WBNG) — Authorities have reopened I-88 following the rollover near the town of Otego. For the last information, click here.
Many in the crowd were holding Trump flags, and numerous people were wielding AR-15 rifles and other firearms. Some also chanted “Fox News sucks,” reflecting their displeasure with the network’s decision on Tuesday to call Arizona for Mr. Biden, a move that some other news outlets later followed. The last time a Democratic presidential candidate won Arizona was Bill Clinton in 1996, and Maricopa County has not voted for a Democrat for president since 1948. But demographic changes have transformed Arizona into a battleground state.As of late Wednesday night, Mr. Biden led Mr. Trump in Arizona by fewer than 80,000 votes, or less than three percentage points, with about 14 percent of the total vote still outstanding. In the votes so far from Maricopa County, Mr. Biden leads by five percentage points. – Advertisement – – Advertisement – Without citing evidence, some Republicans have accused election officials of manipulating the results to indicate that Mr. Trump is losing in Maricopa County, which is home to about 60 percent of Arizona’s population. PHOENIX — More than 150 supporters of President Trump, some of them armed, gathered outside the Maricopa County election office on Wednesday and chanted “Count the vote,” as officials did just that under the protection of sheriff’s deputies.Early results in Arizona show Joseph R. Biden Jr. in the lead, but Trump supporters believe that could change as the last votes are counted.- Advertisement – Keely Varvel, chief deputy recorder for Maricopa County, said counting would continue despite the protest. “We are still planning to finish up our scheduled ballot processing work and report out more results tonight,” Ms. Varvel said. “The only way Biden can win Arizona is through fraud,” said Jim Williams, 67, a welder who attended the protest. “I won’t accept a Biden victory. I don’t want to live under Communist rule.”- Advertisement –
This is the first of what NASA calls “operational” flights of the Crew Dragon. In May, there was a demonstration mission, with two NASA astronauts — Robert Behnken and Douglas Hurley — aboard. That launch, in a capsule named Endeavour, was the first time that a crewed mission had lifted off from the United States to orbit since the retirement of NASA’s space shuttles in 2011. Its return was also the first water landing by astronauts aboard an American spacecraft since the Apollo capsules stopped flying in the 1970s.NASA has been relying on Russian Soyuz rockets to get its astronauts to the space station. That has become increasingly expensive, rising to a cost of more than $90 million a seat. Michael S. Hopkins, 51, a colonel in the United States Space Force, is the commander for the flight. (Colonel Hopkins is also the first member of the newly created U.S. Space Force to go to space.) He was one of nine astronauts selected by NASA in 2009. He has made one previous trip to the International Space Station, in 2013 and 2014, spending 166 days in orbit.Shannon Walker, 55, has had one previous stint on the space station, in 2010. Dr. Walker has a doctoral degree in space physics from Rice University, where she studied how the solar wind interacted with the atmosphere of Venus. – Advertisement – In Florida on Sunday, a rocket and capsule built by SpaceX will carry crew members to the International Space Station. The NASA mission follows on a successful demonstration of the same spacecraft that launched in May and returned two astronauts to Earth in August. Here’s what you need to know about the launch.What is SpaceX launching?Four astronauts — three from NASA, one from JAXA, the Japanese space agency — will be sitting inside a SpaceX Crew Dragon capsule, boosted to orbit on top of a Falcon 9 rocket. The mission is known as Crew-1, and the astronauts named their capsule Resilience. They are headed to the International Space Station for a six-month stay.- Advertisement – The astronauts will arrive at the space station at about 11 p.m. Eastern on Monday, a journey of approximately 27 hours.Forecasts currently give a 50 percent chance of favorable conditions at the launchpad. SpaceX and NASA are also keeping watch farther out in the Atlantic Ocean. The weather and waters there need to be fairly calm in case something goes wrong during the ascent to orbit and the Crew Dragon needs to make an emergency splashdown (adverse weather conditions led to a postponement of the earlier Saturday launch date).If Sunday’s launch is delayed, there is a backup opportunity on Wednesday.Who are the astronauts?- Advertisement – Soichi Noguchi, 55, an astronaut with JAXA, the Japanese space agency, will be making his third trip to space. He was a member of the crew of the space shuttle Discovery in 2005 on the first shuttle launch after the loss of Columbia and its seven astronauts more than two years earlier.During that visit to the International Space Station, Mr. Noguchi made three spacewalks. That included one to test techniques developed to repair damage to the heat tiles on the shuttle similar to what had doomed Columbia when it re-entered Earth’s atmosphere. In 2009 and 2010, he spent five months in orbit as a member of the space station crew.Victor Glover, 44, selected by NASA in 2013 to be an astronaut, will be making his first spaceflight. He will be the first Black NASA astronaut to serve aboard a space station crew. Mr. Glover’s achievement is notable for NASA, which has worked to spotlight the “hidden figures” in its history but has so far sent only 14 Black Americans to space out of a total of more than 300 NASA astronauts.He will not be the first Black astronaut aboard the station. But those who proceeded him from NASA were members of space shuttle crews during the station’s construction and only completed brief stays on the outpost.Allyson Waller contributed reporting. When is the launch?The Crew-1 mission is scheduled to launch on Sunday at 7:27 p.m. Eastern time from the Kennedy Space Center in Florida. NASA Television will broadcast coverage beginning at 3:15 p.m.- Advertisement –
The pandemic has quietly been getting worst across the US, with record numbers of cases in recent days.- Advertisement –
At the beginning of October, Poreč becomes the center of the European hotel industry! Hoteliers from all over the region are gathering, and their participation has been confirmed by the vice presidents of operations of global hotel companies!The only conference on hotel operations in Europe, HOW Festival, this year it will be held on October 3-5 in Valamar Isabella Island Resort in Poreč. Already in its first year the HOW Festival gathered over 500 participants, in the largest number hotel directors, heads of operations and hotel departments and positioned itself as the largest hotel conference in the region. The focus of the Festival is on presenting the latest global trends and raising the quality of hotel operations. This year, over 50 international and regional experts are coming to the HOW Festival, including:Srdjan Milekovic, Senior Vice President of Operations for the EMEA Region, Hyatt InternationalGustaf Pilebjer, Director of Food & Beverage for Europe, Marriott InternationalSusan Farnie, Human Resources Director for the EMEA Region, Wyndham Hotels & ResortsJohn Bartlett, Head of Analytics and Reporting (days) for the EMEA Region, InterContinental Hotels Groupwho will present their knowledge of changes at the global level and share their experiences in an interactive and interesting way to the participants.The program of the Festival was prepared in cooperation with hoteliers, and is segmented into panel discussions and lectures that are in the first part for all participants, while in the second part parallel workshops are organized divided into hotel departments. Some of the themes of this year’s HOW Festival are: How to find out what your guests really (subconsciously) think about you How to use guest data (DATA)What kind of leaders will the hospitality industry of the future need (human resources)How to increase revenue after booking and on the spot (sales and marketing)Little tricks of champagne connoisseurs: how to successfully sell champagne by the glass (food and drink)What are 21st century guests looking for for breakfast? (food and drink)In addition to the educational program, participants can expect a rich entertainment program within which this year is organized the first team building for all hoteliers and a big party and concert of the band Living Legend!Also, in cooperation with Valamar Riviera, the organizers of the HOW Festival invite all participants to extend their stay in Istria and visit ISTRA & CRAFT BEER FESTIVAL, which is organized immediately after the end of the Festival! The most famous names of the Croatian music scene, such as TBF (6.10) and Hladni Piv (7.10), are waiting for them there. The complete program as well as all information about the Festival is available on the official website: www.howfestival.com
Robin van Persie suggests Arsenal need reinforcements to fix defensive frailties after late scare at Sheffield United Advertisement Advertisement Comment Arsenal survived a late scare to beat Sheffield United in Sunday’s FA Cup quarter-final (Picture: Getty)Robin van Persie believes Mikel Arteta needs to find defenders who are willing to ‘die’ and put their body on the line for Arsenal like Rio Ferdinand and Nemanja Vidic were prepared to do during his time at Manchester United The Gunners appeared to be cruising towards the FA Cup semi-finals on Sunday afternoon as Nicolas Pepe converted a 25th-minute penalty against Sheffield United after Chris Basham’s foul on Alexander Lacazette at Bramall Lane. However, David McGoldrick capitalised on Sead Kolasinac’s poor attempted clearance to equalise in the 87th minute and give the hosts hope of securing a place at Wembley. Ceballos booked Arsenal’s place at Wembley with a late winner at Bramall Lane (Picture: Getty)But second-half substitute Dani Ceballos held his nerve in stoppage time and slotted a low strike under Dean Henderson to get the north London club out of trouble. AdvertisementAdvertisementADVERTISEMENTDiscussing Arsenal’s victory with BT Sport colleague Ferdinand, Van Persie reserved special praise for Ceballos but highlighted the enormous challenge his former team-mate has ahead of him in fixing the side’s defensive problems.‘Let me start by saying that I do believe in Mikel,’ the ex-Arsenal striker said.‘I played with Mikel for one year so I know how he is as a person and I know how he was as a player. ‘He was a good player but I do believe that he can become a great manager because you can see his hand in this team. But you can also see that this team is not fully connected yet. Will Mikel Arteta be a success at Arsenal?Yes0%No0%Share your resultsShare your resultsTweet your results‘If you look at the connection from defence to midfield to strikers it’s not moving as one so he’s still searching. ‘But I do believe that if you give him time – and he should get all the time he needs and not just months, he should get years – I do believe that he can get it right.’ Metro Sport ReporterSunday 28 Jun 2020 5:04 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link4.1kShares Arteta was delighted with the cameo display of Arsenal youngster Nketiah (Picture: Getty)Arteta singled out second-half substitute Eddie Nketiah for praise in the aftermath of Arsenal’s victory at Sheffield United.AdvertisementAdvertisementAsked about the performances of his young players, he replied: ‘They are evolving and they are really willing and they have a lot of personality to play. ‘You can see the way they played today and Eddie as well, the way he came on and how he fights with everybody, he doesn’t care, so I really like that.’More: Manchester United FCRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseEx-Man Utd coach blasts Ed Woodward for two key transfer errorsThe Spaniard was pleased with the manner of Arsenal’s win despite their late scare at Bramall Lane.‘We needed that,’ Arteta added.‘We played four away games after the coronavirus [pandemic], which is not an easy thing to do in the Premier League, and hopefully we can get some momentum going now. ‘We still have a massive gap to fill in, we have to improve in many departments a lot, we have to respect the process.‘It’s been really difficult stop-start-stop-start, but we will get it right, I’m convinced of that. We need a bit of time, that’s all.’Follow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page.MORE: Robin van Persie delivers scathing assessment of ‘vulnerable’ David Luiz after defender signs new Arsenal dealMORE: Arsenal hero Gilberto Silva confused by ‘nervous’ Matteo Guendouzi Van Persie says set-pieces remain a major weakness for Arsenal (Picture: BT Sport)The Dutchman added: ‘What I believe is very important for Arsenal and for Mikel is that they should now finally find a way to fix the set-pieces against, corners, free-kicks because with every cross against Arsenal you’re holding your breath. ‘So how do you fix that? You fix that with mental toughness. As you know, Rio, when I played with you and Vidic, you would die to save the ball, you would put your head first and do everything to block a ball. ‘That mentality is needed to really compete for trophies and, if I’m really honest, I don’t see that at the moment and that’s not just now because we’ve talked about this for the last few months, we talked about it last year and there was an issue even in my time when I was playing there. ‘How do you solve that? You need to find it through defenders who want to do absolutely everything to block that ball and I think they should try to find those types of defenders.‘I’m not saying that these guys are bad. These guys are very good players but there’s another level up if you really want to compete and start winning trophies.’
FedEx, the title sponsor of the Washington Redskins’ stadium wants the NFL team to change its name.In a statement Thursday, FedEx said: “We have communicated to the team in Washington our request that they change the team name.“The company paid the team $205 million in 1999 for the naming rights to FedEx Field in Landover, Maryland.The Washington Redskins said that they are undertaking a “thorough review” of their team name after sponsors cut ties with them, and fans put pressure to rename the team because the name is commonly seen as a racial slur.