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How credit unions can prepare to originate more auto loans post-pandemic

How credit unions can prepare to originate more auto loans post-pandemic

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr As Covid-19 is putting a pause on new car purchases and struggling rental car companies such as Hertz and Enterprise are selling their fleets at rock-bottom prices, more consumers are buying used cars.Most of these buyers will need to finance their purchases, presenting a great opportunity for credit unions to attract more members. However, not many consumers understand the advantage of borrowing from a CU. Here’s what a credit union can do to originate more auto loans in the post-pandemic market:Promoting the Benefits of Getting Auto Loans From a Credit UnionBuild awareness and educate your audience why they should consider getting an auto loan from a CU by communicating these benefits:Lower interest rates, fees, and loan minimums: the interest rate ofmost car loans from credit unions are at least 1% lower than banks. You can compare the current bank rate with your interest rate, then show the savings members can get over the life of the loan. continue reading »last_img read more

White House issues 1-year status report on pandemic planning

White House issues 1-year status report on pandemic planning

first_imgJul 17, 2007 (CIDRAP News) – The White House Homeland Security Council today released a 1-year update on the federal government’s pandemic influenza preparedness strategy, reporting that it has met 86% of the objectives it set for itself a year ago.The 41-page report details work completed on the goals federal officials outlined when they released the National Strategy for Pandemic Influenza: Implementation Plan in May 2006. Today’s report is also a follow-up to a status report released on Dec 18, which reported that the government had completed more than 90% of the 6-month benchmarks it had set.Work on the remaining 14% of the actions is in progress and should be completed by the 18-month mark, the White House said in a press release today.Jeff Levi, PhD, executive director for Trust for America’s Health (TFAH), a Washington, DC–based nonprofit health advocacy group, in a statement released today, lauded the government for its progress toward pandemic preparedness.”The transparency with which the Administration has set its pandemic flu preparedness goals and then held itself accountable for achieving them is a model for how public health policy should be made,” Levi said in the statement. “The American people rightly expect this level of openness in their government, and the cabinet agencies reporting today should be commended for achieving it.”Global effortsThe United States has spearheaded several efforts to control the international spread of the H5N1 avian influenza virus, the report says. Among them, the US government has provided H5N1 surveillance and response training to more than 129,000 animal health workers and 17,000 healthcare workers. The United States has donated 300,000 personal protective equipment kits to surveillance and outbreak response workers in more than 70 countries, and it has prepositioned overseas stocks of protective supplies, decontamination kits, and antiviral medication.In terms of technical expertise, the report says the United States has provided assistance to 39 of 60 countries that have been affected by H5N1 outbreaks. Seventy-five countries have received US support for improved laboratory diagnosis and early warning networks.To track genetic changes in the H5N1 virus the United States has sequenced more than 2,250 human and avian isolates, according to the report.Domestic issuesIn the past year, the United States has invested more than $1 billion to develop new vaccine technologies, such as cell-based vaccine production and research on new adjuvants. In April, the US Food and Drug Administration (FDA) approved the first prepandemic H5N1 vaccine, and federal officials have stockpiled enough doses to treat 6 million people, according to the report.Since last May the government has invested $600 million for state and local preparedness efforts, which support the development of community mitigation strategies, medical surge plans, and mass vaccination strategies. The government says it has launched new guidelines to improve emergency medical service delivery and 911 service in a pandemic setting.Federal officials have released major pandemic planning guidance reports in the past year that addressed three key categories: community mitigation, mass medical care with scarce resources, and response and recovery for critical infrastructure.Ongoing tasksThe report says despite notable progress over the past year, work must continue in several important areas, such as strengthening disease detection and biosurveillance.”We must redouble efforts to develop ‘real time’ clinical surveillance in the United States, so that we are able to target and refine our efforts more effectively during a pandemic,” it states.Despite investment in medical surge capacity, more work is needed to ensure that communities can treat the high number of sick patients in a severe pandemic, federal officials said.Globally, the US government can still do more to collaborate with pharmaceutical companies, international partners, and the World Health Organization (WHO) to boost global vaccine development and improve nations’ access to vaccines.Also, federal officials need to continue working with nongovernmental stakeholders to implement community mitigation strategies and build community resilience. For example, in June the US Department of Health and Human Services (HHS) hosted a summit on pandemic readiness for leaders in business, faith, healthcare, and civic communities.Based on the feedback it received at the conference, HHS officials said they would develop toolkits, tailored to four community sectors, that leaders can use to teach people more about pandemic flu and what they can do to prepare. In the fall, the HHS will launch more intensive communication preparedness campaigns tailored to 10 to 15 diverse communities.Levi agreed that the government still has much pandemic planning work to do. “This report demonstrates that the federal government has made major strides in preparedness for a pandemic, but as the Administration also recognizes, there is still a long way to go before all levels of government and all sectors of society are fully prepared,” he said in the TFAH statement.He pointed out three critical areas that need more intensive federal efforts: assuring that states and localities develop medical surge capacity, helping many community sectors adapt to community mitigation guidelines, including those that address respirator use, and providing a steady funding stream for state and local pandemic preparedness efforts.See also:Jul 17 White House press release on pandemic planning statusNational Strategy for Pandemic Influenza 1-year summary reporthttp://www.whitehouse.gov/homeland/pandemic-influenza-oneyear.htmlNational Strategy for Pandemic Influenza: Implementation Planhttp://www.whitehouse.gov/homeland/nspi_implementation.pdfDec 29, 2006 CIDRAP News article “Feds detail progress on pandemic preparedness”Jul 17 TFAH press releaselast_img read more

North Korea seen reinstalling border loudspeakers, defectors send leaflets

North Korea seen reinstalling border loudspeakers, defectors send leaflets

first_img“We’re also considering reinstalling our own loudspeakers,” he said. “But the North hasn’t begun any broadcast yet, and we’re just getting ready to be able to counteract at any time.”A spokeswoman at Seoul’s defense ministry declined to confirm North Korea’s moves but reiterated at a regular briefing that Pyongyang would “have to pay for the consequences” if it continues to defy joint efforts to foster peace.The two countries have for decades pumped out propaganda from huge banks of speakers as a form of psychological warfare. The South aired a blend of news, Korean pop songs and criticism of the northern regime, while the North blasted the South and praised its own socialist system.The North began taking its recent actions as it denounced North Korean defectors in the South sending propaganda leaflets across the border. Several defector-led groups have regularly sent flyers, food, $1 bills, mini radios and USB sticks containing South Korean dramas and news, usually by balloon or in bottles in rivers.One group, led by Park Sang-hak, who fled the isolated state in 2000, said on Tuesday it flew 20 balloons containing 500,000 leaflets, 500 booklets on South Korea and 2,000 $1 bills.South Korea’s government pursued legal action to stop such activities, citing safety concerns for residents in border towns, but controversy remains over whether it violates the country’s protections for freedom of expression.Pyongyang’s state media said on Monday angry North Koreans have also prepared some 12 million leaflets to be sent back. Topics :center_img North Korea is reinstalling loudspeakers blaring propaganda across the border in its latest step away from inter-Korean peace agreements, prompting the South’s military to explore similar moves, a South Korean military source said on Tuesday.Tension between the two Koreas has risen in recent weeks after the North blew up a joint liaison office on its side of the border, declared an end to dialogue and threatened military action.North Korea’s military was seen putting up loudspeakers near the demilitarized zone (DMZ). Such systems were taken down after the two Koreas signed an accord in 2018 to cease “all hostile acts,” the military official said.last_img read more

Makassar blogger arrested, flown to Jakarta, released after jobs law tweet

Makassar blogger arrested, flown to Jakarta, released after jobs law tweet

first_imgA 36-year-old blogger from Makassar, South Sulawesi, was arrested on Friday for allegedly tweeting false information about the recently passed Job Creation Law but was later released because of a lack of evidence, one of her lawyers said.The National Police arrested Videlya Esmerella after she posted a thread on Twitter discussing 12 articles purportedly included in the law that she said would disadvantage workers.In a press conference on Friday, National Police spokesperson Insp. Gen. Argo Yuwono said the blogger’s tweets contained false information and accused her of violating Articles 14 and 15 of the 1946 Criminal Law, which prohibit spreading false information that could cause a public disturbance and carry a maximum sentence of 10 years in prison.  The 12 articles Videlya tweeted about do not appear in the latest draft of the law seen by the Post, but the final text of the law has yet to be made public.Videlya was reportedly released by the police on Friday evening. She returned to Makassar early on Saturday morning. Azis Dumpa, a Makassar lawyer who assisted Videlya, confirmed the news.“She was released by the police since they did not have enough evidence to charge her,” Azis said. Argo claimed the blogger wrote the tweets because she was upset that she was unemployed.center_img Azis said the accusations against Videlya were baseless because the content of her tweets had been in wide circulation for days before she posted the thread, indicating that it did not originate with her.“The articles have been circulating everywhere on social media. The police were just looking for a scapegoat to make it seem like there was an actor who orchestrated protests against the jobs law, even though it was purely conducted by civilians,” Azis said, adding that objections to the omnibus law had been appearing for months.Azis said he suspected the police had forced the case and had exaggerated the scale of the situation because Videlya was arrested in Makassar and quickly flown to Jakarta without a summons. Argo and National Police public information bureau head Brig. Gen. Awi Setiyono did not immediately respond to the Post’s requests for comment. (dpk/trn)Topics :last_img read more

Three Gold Coast artists are letting go of their biggest inspiration

Three Gold Coast artists are letting go of their biggest inspiration

first_img35 Korong St, Southport.The family spent $400,000 renovating the home, which included new bathrooms and a new roof. The four-bedroom home is north east facing and is encompassed with a leafy setting 35 Korong St, Southport.THIS riverfront property has been a constant source of inspiration for three professional artists. The trio — Louie Da Lozzo along with his wife and daughter — bought the home in 2008 and said it had been their longest stint in one house. More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach North5 hours ago02:37International architect Desmond Brooks selling luxury beach villa1 day ago35 Korong St, Southport features art in every room“We move a lot because we need to keep our inspiration flowing,” Mr Da Lozzo said. Mr Da Lozzo said his family usually spend about four years in a home. “We have lived everywhere from Toowoomba to Cairns but this place is very special, it’s quiet but you’re in the middle of it all. The garden is one of the most wonderful places to be.” last_img read more

Welsh LGPS tender £2.6bn worth of passive mandates

Welsh LGPS tender £2.6bn worth of passive mandates

first_imgAround the time of the decision to procure a joint manager, their passive equity and bond holdings were said to amount to approximately £3bn and were run by three managers across 18 mandates.The three managers are BlackRock, Legal & General Investment Management (LGIM) and State Street Global Advisors (SSGA). Welsh LGPS passive mandates breakdown. Source: Invitation to TenderMandateBenchmark£m Iboxx Sterling Non Gilts All Maturities8.3 The eight local government pension schemes (LGPS) in Wales are looking for a joint manager of their passive equity and bond holdings, a mandate initially expected to be for some £2.6bn (€3.4bn).As previously reported, the decision to procure a joint manager was taken by the Welsh LGPS last year in the context of long-standing discussions about collaborating to cut costs and increase efficiency.The central government then intervened with the instruction for the 89 LGPS in England and Wales to pool assets, with eight asset pools having emerged so far ahead of a 19 February deadline for submission of consultation responses to the Department of Communities and Local Government (DCLG).The eight* Welsh schemes have more than £11bn (€14.4bn) in combined assets. European EquityFTSE All World Dev Europe ex UK69.2 US EquityFTSE North America163 FTSE All World90.8 Japanese EquityFTSE All World Japan28 FTSE All Stocks UK Gilts4.5 Global EquityGlobal Equity438 MSCI Global Emg Mkts32.1 FTSE All World Dev Japan ex UK 95% GBP  Hedged11.3 IFC Investible Comp ex Malaysia8.8 Asia Pacific EquityFTSE All World Dev Asia Pac ex Jap53.2 Emerging Market EquityMSCI Emg Mkts75.7 UK EquityFTSE All Share1,224.50 FTSE All Stocks UK Gilts3.1 FTSE All World USA258.3 IFC Investible Comp ex Malaysia44.8 GiltsFTSE All Stocks IL Gilts61 FTSE All World Canada8.8 The collaborating Welsh funds are now seeking to appoint a single manager jointly. Aon Hewitt is running the procurement exercise.The joint management of the funds’ aggregated passive investments is expected to be cheaper than if each fund separately ran its holdings.According to tender documents, the new provider would ideally be able to provide funds that meet each of the existing passive benchmarks, of which there are 21 (see table).The largest holdings to be managed are in UK equity, amounting to £1.2bn, with the FTSE All Share the benchmark.  The next largest existing mandate is for global equity, for £528.8m, followed by North American equities.The Welsh funds also have investments in European, Asia Pacific, Japanese and emerging market equities plus “alternative equity”. Some £77m is in Gilts.The deadline for tender submissions is 4 March. The outcome of the procurement process is currently scheduled to be communicated the week of 28 March.The most “economically advantageous” tender will win the mandate, according to an EU tender document.In England, a consortium of seven local authority funds recently awarded LGIM £6.5bn worth of passive mandates, reducing management fees by more than 50%. *The eight schemes (and their administering authorities) are: Cardiff and Vale of Glamorgan Pension Fund (Cardiff), City and County of Swansea Pension Fund, Clwyd Pension Fund (Flintshire), Dyfed Pension Fund (Carmarthenshire), Greater Gwent Pension Fund (Torfaen), Gwynedd Pension Fund, Powys Pension Fund and Rhondda Cynon Taf Pension Fund. Alternative EquityFTSE RAFI Developed 1000 QSR TR93.5 FTSE All World Dev Asia Pac Jap24last_img read more

Interior designer’s house snapped up in speedy sale

Interior designer’s house snapped up in speedy sale

first_img Take a dip in the pool. Entertain in style. Nick Cole and Nicole Bricknell of Cole Residential handled the sale with 32 inspections over the two-and-a-half week marketing campaign.“It was beautifully presented and so it attracted a lot of interest,” Mr Cole said.“It was also very well tailored to a family.”He said a family who was living on the Gold Coast after relocating from interstate bought the property. “It was a nice settlement for both the buyers and sellers,” he said.“Everyone was quite emotional on the day of handover.”The property had a coastal-inspired vibe throughout with a backdrop of lush tropical gardens and a pool.The kitchen is the centrepiece of the lower level with a carrara marble island and benchtops, bespoke cabinetry and pendant lights.Entertaining is a dream with the terrace, pizza oven and built in barbecue overlooking the pool. 18 The Corso, Isle of Capri. 18 The Corso, Isle of Capri. 18 The Corso, Isle of Capri.center_img MORE NEWS: Beachfront cottage fetches a pretty price More from news02:37International architect Desmond Brooks selling luxury beach villa8 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag1 day ago Home where Sabo Skirt was born set for new beginnings Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 2:12Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -2:12 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenCOVID-19: What will happen to house prices? 02:13THE impressive Gold Coast home of an interior designer has been snapped up after just 18 days on the marketThe four-bedroom house at 18 The Corso, Isle of Capri changed hands for $1.5 million with the deal settling this week.last_img read more

Ocean Rig to reactivate stacked semi-sub after selling two to subsidiary

Ocean Rig to reactivate stacked semi-sub after selling two to subsidiary

first_imgEirik RaudeOffshore drilling contractor Ocean Rig is selling its only two semi-submersible drilling rigs to its subsidiary. Ocean Rig on Monday announced the launch of an offering of common shares by its wholly-owned Marshall Islands subsidiary, Valiant Offshore, which upon the completion of the offering will acquire the Leiv Eiriksson and the Eirik Raude, two fifth generation harsh environment semi-submersible rigs.The rigs are currently indirectly owned Ocean Rig and they will be sold in exchange for 24 million shares of Valiant (representing approximately 57.8% of the issued share capital of Valiant) and cash in the amount of $110 million, expected to be used towards reactivating the Eirik Raude, which is currently cold-stacked in Greece.When it comes to Ocean Rig’s other semi-sub, the driller said on Monday it had signed a master service agreement with ConocoPhillips Skandinavia for a term of three years plus two optional years. The drilling program order will be performed by the Leiv Eiriksson.Ocean Rig further said that an additional 17.5 million shares of Valiant (representing approximately 42.2% of the share capital of Valiant) are expected to be sold in the offering. Valiant intends to use the net proceeds from the offering as partial payment for the acquisition of the Leiv Eiriksson, for working capital and for general corporate purposes. It is expected that the Leiv Eiriksson will be delivered to Valiant with its current drilling contracts in place, which is scheduled to take place within ninety days after the closing of this offering.The Eirik Raude will be delivered to Valiant following its reactivation, which is expected to take place within twelve to fifteen months and no later than eighteen months from the closing of the offering.The shares of Valiant will be offered and sold in the United States to qualified institutional buyers pursuant to applicable exemptions from the registration requirements under the U.S. Securities Act of 1933 and outside the United States pursuant to Regulation S under the Securities Act of 1933.Related: <span data-mce-type=”bookmark” style=”display: inline-block; width: 0px; overflow: hidden; line-height: 0;” class=”mce_SELRES_start”></span> Delivery last_img read more

Public Schools Force Kids Into Transgender Wars

Public Schools Force Kids Into Transgender Wars

first_imgThe Federalist 2 December 2015Recent high-profile demands that schools let boys shower and pee right next to girls are having ripple effects in schools across the country as the transgender wars more militantly encompass young children.…. I was a child gender pretender who started cross-dressing at five years of age. By the time I was 17, my desire to change genders was powerful. But I never had any desire to expose myself to girls at school. That is just sick. The law should not protect boys exposing themselves to adolescent girls, even if the boy identifies as a girl. Is utter insanity to assist, encourage, or provide trans kids access to cross-gender facilities. Girls need privacy, protection, and freedom from the “gender pretenders” in U.S. public schools.It is sexual madness and social terrorism to deem the practices of sexual predators as acceptable and foist them on innocent children and adolescents. Why are we elevating the preferences of gender pretenders above those of all others, going far beyond political correctness to sexual madness in schools?… Every child’s rights to privacy and protection from exposure to inappropriate opposite-sex nudity are now in jeopardy. According to these new legal interpretations, if you like your gender and want to keep your gender that’s fine, but you cannot keep your freedom, rights, or protections in public-school dressing rooms or restrooms. The current conflict of interest playing out in school locker rooms between girls born as girls and the self-acknowledged gender pretender trans-kids is real and it is not funny. Non-trans students have lost their right to privacy and parents have lost the freedom to parent and protect their children. A young boy, by making the simple announcement “I was a boy, but now I’m a girl” can sashay his way into the girls’ restrooms and locker rooms in our schools. Keep in mind this boy still has his dangling boy parts. The accurate term for him is cross-dresser or transvestite. Supposedly the law protects his right to be in the girls’ locker room, to observe girls dressing and undressing, and to expose himself to the girls that are sharing the room.Keep up with family issues in NZ. Receive our weekly emails direct to your Inbox.… I know from personal experience that changing genders is not harmless. I was told by the leading experts that a surgical change to female would bring relief from my intense psychological struggle. But I wasn’t told it can also tear a person’s life apart.… If you want your kids to have a psychologically healthy life, do not assist, encourage, or guide them toward a gender change. If they struggle with gender identity issues, do not take them to a psychologist who will push hormones and gender reassignment. If you want your kids to have a psychologically healthy life, do not assist, encourage, or guide them toward a gender change.In fact, the best thing you can do for your kid is to grab him or her by the hand and run as fast as you can the other way.…  Gender pretenders—also known as trans-kids, crossdressers, or transvestites—should get counseling, not encouragement. Social terrorists who use child transvestites to advance an agenda of sexual perversion should be shut down, not be guiding public school policy.http://thefederalist.com/2015/12/02/public-schools-force-kids-into-transgender-wars/last_img read more

Dawn stamina doubts for O’Brien

Dawn stamina doubts for O’Brien

first_img “To get a mile and a half this year is a big ask.” The Ballydoyle stable has dominated the trials for the Epsom Classic, with the one blip coming in the Dante Stakes at York. Battle Of Marengo won the Derrinstown Stud Derby Trial at Leopardstown, and while his manner of victory did not impress everyone, the Galileo colt beat a previous Group One winner in the Bolger-trained Loch Garman. O’Brien said: “We’re very lucky with some nice colts, nice three-year-olds and a couple of them won nicely, albeit in below-average trials you could say. Battle Of Marengo is a tough horse, he keeps winning and gets the job done. He might not be very stylish but he’s tough and he stays. “Nevis won well in Lingfield and Ruler Of The World and Magician in Chester, so we have a couple of nice horses to go to war with.” Asked what horse he is likely to ride, O’Brien said: “Strictly on form you can’t get away from Battle Of Marengo. He beat a Group One winner in his trial and beat him nicely by a couple of lengths without having a hard race. “In all the other trials I think you would go a long way to find a Group One winner other than the couple of winners of them. He’s tough, he’s genuine and he’s had plenty of racing and at the moment he looks one of the principals.” O’Brien, who won the Derby last year on Camelot and is set to ride Battle Of Marengo from his father Aidan’s squad of possibles, spoke of his admiration for Jim Bolger’s 2000 Guineas hero but questioned whether the Derby distance would suit. Speaking on Channel 4 Racing, O’Brien said: “You can’t fault him, he’s tough and he tries. It’s a big unknown stepping up to a mile and a half, he won over five last year and he won a Coventry. Joseph O’Brien believes it could be a “big ask” for Investec Derby favourite Dawn Approach to see out the mile-and-a-half trip at Epsom on June 1.center_img Press Associationlast_img read more