What financial health means to me: Celebrating #FinHealthMatters Day

first_img 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr June is an important month for credit union organizations and the National Credit Union Foundation, as we celebrate National Employee Wellness Month. This month spotlights the workplace’s role in helping to create healthy employees, not only physically, but financially as well.Today, CFSI is celebrating #FinHealthMatters Day to help raise awareness for the impact that financial health can have on our members. Just as people who exercise and maintain a healthy diet are more likely to live a longer life, those with access to financial tools and resources will be able to build a a more financially stable life.The Atlantic recently published an article highlighting a scary statistic from a Federal Reserve Board survey; 47% of American’s would have trouble coming up with $400 to pay for an emergency.  In fact, they’d either have to borrow money or sell something to cover the emergency. Even scarier is the results of CFSI’s Consumer Financial Health Study – 57% of American’s – approximately 138 million adults, are struggling financially. That’s over half of our entire population that are struggling. continue reading »last_img read more

5 things your financial institution needs to know about Gen Z

first_img continue reading » The oldest members of Gen Z are approaching their mid-20s, and this young generation is already changing the world, shifting the social media landscape and throwing their weight behind the social movements sweeping the country.But if you’re like most credit unions, you don’t deal with a lot of Gen Zers from day to day: most CU members are middle-aged. Don’t worry, though – we’ve got you covered. Here are five things your financial institution should know about Gen Z:They range in age, from 23 years old to babies born yesterday. The Pew Research Center has formally designated anyone born after the year 1996 as Gen Z, but there’s no set end date to this generation of Americans. So while the oldest Gen Zers are 23 this year, the generation technically includes today’s school-aged children, toddlers and infants as well. When you see Zogo reference Gen Z, we’re typically referring to the teens and twenty-somethings that have some purchasing power (no offense to the toddlers of today).They value diversity. Most Gen Zers view the country’s growing racial and ethnic diversity as a good thing — likely linked with the fact that members of Gen Z are more racially and ethnically diverse than previous generations. This generation places a high value on diversity and inclusion in the workplace as well, important to know for future recruiting efforts. 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Call for initial requests to the FINA Measures portal

first_imgSUPPORT: Support to users in the registration process and during the work in the system will be provided by Fina and these questions are received at the e-mail address: meri.podrš[email protected]  liquidity and working capital loanspayment delayloan rescheduling Applying through the MEASURES portal does not imply automatic approval of loans to applicants for the initial application. The system collects applications centrally and, after checking the entered data, sends the data from the application to the banks. Each bank, upon receipt and processing of the data from the application, contacts the applicant of the measure and directly undertakes the further loan approval process in accordance with its criteria.  In the next few days, through the MEASURES portal, it will be possible to enter other necessary data necessary for banks to evaluate the requests for all three measures. It is recommended to all applicants to follow the notifications on the availability of notification of all measures through the MEASURES portal. The notice will be published on the websites of all involved institutions, and until then you can register in the system and enter basic information.  Applicants who can register for the mentioned measures on the MEASURES portal are companies, crafts, family farms whose business activities are endangered or completely disabled in the circumstances of the epidemic. Registration and registration of the applicant of the initial request on the MJERE portal is enabled via the link: https://gospodarskemjere.fina.hr. To be able to apply, applicants need to pre-register on the MEASURES portal. To register on the MEASURES portal, the applicant enters several basic data, after which it receives a link to activate the password to the e-mail address. During the preparation of registration data, the applicant on the MEASURES portal gives consent for the processing of personal and other data for the purpose of processing his application. After successfully registering, the user can log in to the system and start entering data for the economic operator for which he wishes to submit an initial request for the use of one of the measures.  FINA invites all economic entities in the Republic of Croatia whose business is endangered due to the COVID-19 pandemic (applicants) to initially apply for measures of the Government of the Republic of Croatia in order to preserve the level of economic activity and liquidity through a single online portal starting from 31 March 2020. established by Fina for this purpose (MEASURES portal) .1 / 1The mentioned measures available to the applicants through the MEASURE portal refer to the following: In order to be able to provide the necessary support in a timely manner, please follow all the accompanying guidelines for submitting an initial request on the MEASURES portal and follow the information that will be published on the website. IMPORTANT NOTES FOR APPLICANTS When submitting the initial request through the MEASURE portal, the applicant gives a statement guaranteeing the truthfulness and accuracy of the data, after which his application for the measure will be automatically submitted to the selected bank to the specific economic operator and the corresponding set of reported data. After the application of the initial request has been processed, the applicants continue the communication related to the realization of the request with the selected bank. Statement on the estimated decrease in income in 2020 compared to 2019,statement of declining revenues in the first quarter of 2020 compared to the same period in 2019iEstimated amount of credit required the following mandatory statements: Institutions to which the applicant’s initial requests on the MEASURES portal will be forwarded are all banks that have an approval to operate in the Republic of Croatia, HBOR, HAMAG-BICRO. In addition to banks, HBOR and HAMAG-BICRO, representatives of the Ministry of Finance, the Croatian National Bank and, of course, Fina also participate in the activities of establishing this unique online portal, given that the establishment of a single online MEASURE portal enables the implementation of their monitoring and reporting obligations. a measure to preserve the level of economic activity and liquidity, according to the existing mandates of the mentioned institutions. Functionality: Despite the circumstances, great efforts are being made to enable a complete online application process on the MEASURES portal, which will include all three measures for financial liquidity, and to provide the necessary assistance and support in the application process. From 31.03.2020. is available to applicants on the MEASURES portal: application option for measure liquidity and working capital loans registration in the system, data entry for the economic operator who is the subject of the application, the choice of the credit institution in which he wishes to have his application considered and  We refer future applicants to the MEASURES portal to familiarize themselves with the information available in mind Frequently Asked Questions (FAQ), user instructions and video materials designed to facilitate the registration and application of the initial application. Source: koronavirus.hrlast_img read more

Cricket News Eoin Morgan suspended for 4th ODI; Jonny Bairstow reprimanded

first_imgMorgan suspended for 4th ODI due to slow over rate. England Team has now taken a 2-0 lead in five-match ODI series.England will play South Africa in ICC World cup opener.  The charges were laid by on-field umpires Michael Gough and Paul Reiffel, and third umpire Chris Gaffaney. Bairstow admitted the offence and accepted the sanction proposed by match referee Richie Richardson.The fourth ODI between two teams will be played at the Trent Bridge in Nottingham on May 17. The final encounter before the all-important ICC Cricket World Cup will be played in Headingly in Leeds. Meanwhile, the series stands in favour of England as the scoreline shows 2 games to 0.Both team will look to keep all odds aside and try the remaining combination before the head into the World Cup. For Pakistan, the limelight will once again shift to Shadab Khan, who is all set to return after illness. Further, Mohammad Amir’s inclusion is still under doubt, and with seven days still on his side, he will look to express him at the supreme best to fix his berth.England, on the other hand, needs to see whether they are backing Jofra Archer for the World Cup or they are seeing beyond him. All questions will find answers in seven days’ time. For all the Latest Sports News News, Cricket News News, Download News Nation Android and iOS Mobile Apps. New Delhi: The England skipper, Eoin Morgan has been suspended for one ODI and fined 40 percent of the match fee, while the other players have been fines 20 percent of their respective match fees for maintaining a slow over rate during the third encounter against Pakistan.England were two overs late even after time allowance was taken into consideration. In accordance with Article 2.22.1 of the ICC Code of Conduct for Players and Player Support Personnel, which relates to minor over-rate offences, players are fined 10 per cent of their match fees for every over their side fails to bowl in the allotted time, with the captain fined double that amount. Morgan was previously found guilty of a minor over rate offence during the Barbados ODI against West Indies.Meanwhile, England’s wicketkeeper-batsman Jonny Bairstow has been reprimanded for breaching Level 1 of the ICC Code of Conduct also during the Bristol ODI, and one point has been added against his disciplinary record. The incident occurred in the 29th over of England’s innings, when the ‘keeper-batsman struck the stumps with his bat after being dismissed. highlightslast_img read more

England’s Annabel selected for Youth Olympics

first_img11 Jul 2014 England’s Annabel selected for Youth Olympics England’s Annabel Dimmock has been selected to represent Team GB at the second Summer Youth Olympic Games from 16th-28th August in Nanjing, China. The 17-year-old Curtis Cup player will be joined by Scottish golfer, Robert MacIntyre, and their team leader will be Rebecca Wood, the England Golf women’s Performance Manager. “It is huge for golf to be part of Nanjing,” said Rebecca. “It is going to be an amazing experience for these young athletes to compete at world level in the biggest multi-sport event for their age group.   “I know both of the athletes are really honoured to have the opportunity to be part of the Olympic experience and I’m sure they’ll go back and inspire future athletes to want to pull on the Team GB kit and compete at the Olympics.” Golf will return to the Olympics at Rio 2016 for the first time since 1900 when British golfers won silver and bronze medals. Annabel, 17, from Wentworth (Image © Leaderboard Photography), is ranked in the world’s 30 amateurs and represented GB&I in this summer’s Curtis Cup match. Earlier this season she won the Helen Holm Scottish open stroke play title and the matchplay Jones Doherty Cup in the USA. She was runner-up in the Welsh open stroke play, the South Atlantic ladies’ amateur and the Spanish amateur.   Team GB for the Youth Olympics consists of 33 athletes aged 15-18 years old who will compete across 14 sports at Nanjing 2014. They will test themselves against around 3600 of the finest young sportspeople from more than 200 other nations around the world. All 28 summer Olympic sports will feature across over 220 events in Nanjing. In addition, a Culture and Education Programme (CEP) will aim to develop the young athletes as individuals and teach them about the values of the Olympic Movement.last_img read more

Leafs outlast Rebels 7-4 to sweep through exhibition season

first_imgDarnel St. Pierre scored two third period goals to spark the Nelson Leafs to a 7-4 Kootenay International Junior Hockey League exhibition victory over the Castlegar Rebels Wednesday at the NDCC Arena.The win allowed Nelson to finish the preseason undefeated in five games and completed a sweep of the Rebels in the home-and-home series.During the exhibition season Nelson outscored the opposition 31-10. Blair Andrews also scored twice for Nelson with singles coming from Jamie Vlanich, Brandon Sookro and Carsen Willans.Derek Georgopolus, with a pair, Chase Rendin and Quinn Klimchuk replied for Castlegar, which jumped into a 2-0 lead early in the first period.Nelson outshot the Rebels 35-21 with Tyler Moffat and Adam Maida splitting the netminding duties.The two teams open the season Friday in Castlegar as the current KIJHL Champs prepare to defend the 2013 crown. Game time is 7:30 p.m. at the Castlegar Complex.Nelson returns to the NDCC Arena Saturday to meet the Creston Valley Thunder Cats in the team’s home opener.Game time is 7 p.m.last_img read more

Video: the moment Middlesex star Neil Dexter hit six sixes in an over

first_imgFor the 2nd XI @dexy214 has hit 6 6s off the last over, taking him from 63 off 51 to 128 off 69! Incredible scenes!! pic.twitter.com/fz0pOwoMrs— Middlesex Cricket (@Middlesex_CCC) July 6, 2015Captured on camera, this is the moment Middlesex’s Neil Dexter etched his name into club history by smashing six sixes in an over.The former first-team skipper was playing in a second XI game at Bristol when he launched 19-year-old Gloucestershire off-spinner Miles Hammond for consecutive maximums.Dexter was eventually dismissed for 147 off 74 balls as Middlesex posted 381-5 in 44 overs, winning by 56 runs on the Duckworth-Lewis Method.Dexter told West London Sport: “It’s something I’ve never achieved in my life and something I never thought I’d achieve.”Follow West London Sport on TwitterFind us on Facebooklast_img read more

From the driveway to the Western Conference Finals, the Currys take center stage

first_imgOAKLAND — Who knows how many times the Curry brothers imagined a moment like this when they were playing one-on-one in the driveway.Perhaps the scenario at hand would have been too surreal for even the wildest of childhood imaginations.With the Warriors and Portland Trail Blazers squaring off in the Western Conference Finals, starting Tuesday night at Oracle Arena, the Currys — Stephen and his younger brother by two-and-a-half-years, Blazers guard Seth — will become the first two brothers to …last_img read more

Do We Really Need 12 Inches of Foam Under Our Slab?

first_img[Editor’s note: Roger and Lynn Normand are building a [no-glossary]Passivhaus[/no-glossary] in Maine. This is the 21st article in a series that will follow their project from planning through construction.] After kicking the tires on the Passive House Planning Package (PHPP) results obtained by the Passive House Academy (PHA) on EdgewaterHaus, we have decided to make one design change that, if acceptable to PHA, will save us money and still allow us to comfortably meet the annual heat demand limit set by PHPP.In a northern climate like Maine, the challenge in meeting the Passivhaus standard lies in achieving the exceptionally low annual heat demand (AHD) of 4.75 kBTU/(ft2•yr). As my previous blog noted, EdgewaterHaus design had an annual heat demand of 3.97 kBTU/(ft2•yr) and earned a Passive House Design Stage Assurance. BLOGS BY ROGER NORMAND Seeing Red on a Green Property Appraisal — Part 1Seeing Red on a Green Property Appraisal — Part 2Seeing Red on a Green Property Appraisal — Part 3Can We Get More and Pay Less To Keep About The Same?Backup Electrical Power for a Passivhaus Project?Passive House Certification: Looking Under the Hood Can Foam Insulation Be Too Thick?GBA Encyclopedia: Rigid Foam Insulation Oops! The EPS foam has already been orderedAnd then a complication. Four-inch-thick EPS foam is not a commonly stocked item. To prepare for the start of construction, our builder Caleb Johnson Architects had already ordered the material and its delivery was imminent; according to the supplier, it was too late to modify the order. They would not accept a return. We owned the EPS.How disappointing: after over 1 1/2 years in the design phase of our project, we still could not make all the necessary material decisions in time!Perhaps we could use the 4-inch-thick EPS to substitute for some of the Roxul. From a thermal perspective, that would work. Marc cautioned us to keep the EPS well below grade, because it tends to harbor ants. (Our EPS destined for use well below grade is not treated with an insecticide.) Maybe we can install thinner foamThe first place to look at reducing the cost of the building envelope was the 12 inches of EPS foam insulation below the basement slab, or perhaps some of the Roxul Drainboard insulation outside of the ICF foundation. Both are more expensive than the cellulose insulation used to fill the above-grade wall cavities and blown into the attic, and provide less real insulating benefit. RELATED ARTICLES The Roxul and EPS are installed below grade, where the soil moderates temperature extremes, and wind is not an added burden. Because both are installed as the outermost layer of the building envelope, either could be reduced without significantly affecting the design of the house. And since heat rises and cold falls, common sense suggests that any reduction in insulation happen below ground.The 12 inches of EPS foam was to be installed in 3 layers of 4-inch-thick foam, with taped seams. The foam comes in 4 foot by 8 foot sheets. The EPS costs about $60 per sheet plus tax, tape, and labor. There are some 70 sheets per layer.Our energy analyst Marc Rosenbaum calculated that going from 12 inches of EPS foam down to 8 inches would raise our AHD from 3.97 to 4.35 kBTU/(ft2•yr), still comfortably below the 4.75 kBTU/(ft2•yr) ceiling.So, let’s eliminate one of the three layers of EPS. If you want that type of Roxul, you have to buy a palletAnother complication: the planned 2 3/8-inch-thick Roxul Drainboard is also not commonly stocked, and unlike the 1-inch-thick version, only comes in pallet-sized quantities. We would also have to match exterior material thicknesses.Then our architect Chris Briley learned that we may be able to purchase some surplus 2 3/8 inch Roxul retained by another nearby contractor — price to be determined. Chris has drafted a revised drawing showing the reduced amount of Roxul, the EPS topped with flashing to prevent water from the above drainboard to flow between the EPS and the ICF, and the change to only 8 inches of EPS beneath the slab.Before we implement this design change, Chris has submitted the revised drawing to PHA. We want PHA to confirm that we still meet the Passivhaus annual heat demand limit, and still retain the Passive House Design Stage Assurance. We expect a quick response from PHA, as excavation is imminent. The first article in this series was Kicking the Tires on a Passivhaus Project. Roger Normand’s construction blog is called EdgewaterHaus.last_img read more

10 months agoEverton plan bids for Bournemouth striker Wilson, Batshuayi

first_imgEverton plan bids for Bournemouth striker Wilson, Batshuayiby Paul Vegas10 months agoSend to a friendShare the loveEverton are aiming for a busy January market.The Daily Express says manager Marco Silva has been forced to utilise Richarlison up front, with Cenk Tosun and Oumar Niasse not trusted to lead the line.And director of football Marcel Brands wants to secure another goal-getter’s signature in the new year.Callum Wilson has been lined up after impressing at Bournemouth.While Chelsea striker Michy Batshuayi is on Everton’s radar too with his loan spell at Valencia potentially set to be cancelled. TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img read more