By Dialogo May 23, 2012 In Bogotá on an official visit to Colombia, the commander-in-chief of the Chilean Army, General Juan Miguel Fuente-Alba, discussed with his counterpart Sergio Mantilla the advantages of intensifying the exchange of existing experiences in areas of mutual interest, such as the professional development of their personnel in the areas of education, instruction and training, comparing planning procedures, and unit utilization in the event of emergencies and natural disasters. On this occasion, Fuente-Alba requested cooperation from General Sergio Mantilla for the training of helicopter pilots, while offering the South American country slots for training Colombian personnel at the Chilean Army’s High Mountain School. During his six-day visit from May 14 to 19, General Fuente-Alba visited Larandia Military Fort, the 25th Aviation Brigade, and the National Training Center, a unit located at Tolemaida Military Fort and responsible for training career soldiers and members of Special Forces, paratroopers, and mountain units. In recognition of his contribution to rapprochement and collaboration with the Colombian Military, the Chilean commander received the José María Córdoba Order of Military Merit in the grade of Grand Cross.
Board honors Jax’s Schmidt March 1, 2002 Regular News Board honors Jax’s SchmidtJacksonville attorney Terrance E. Schmidt has received a commendation from the Bar Board of Governors for his work assisting the Bar in the disciplinary prosecution of F. Lee Bailey.Schmidt acted as special counsel assisting Bar staff in the protracted and high profile case that wound up with Bailey being disbarred late last year. The board passed the resolution unanimously at its February 1 meeting.The board’s resolution notes that Schmidt and his firm, Bledsoe, Schmidt, Lippes, et al. , donated more than $50,000 of Schmidt’s services in the Bailey case. It also said that Schmidt “by his pro bono service has epitomized the ideal of service for the public good and exemplified the concept of professionalism.”The resolution declared that Schmidt “is commended, praised, and thanked for his selfless service, counsel, and advice to The Florida Bar and for his commitment to the maintenance of the highest ideals of professionalism to which all members of The Florida Bar should aspire.”
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr These ideas can help cut costs throughout the year.by: Kimberly PalmerThe beginning of the year offers a great opportunity to take stock of your financial situation and make any necessary changes to build a bigger nest egg or cut back on unnecessary spending. If you’re ready for a financial upgrade but aren’t sure where to start, these suggestions will move you in the right direction without requiring too much sacrifice.1. Choose a better bank.If you find yourself constantly paying fees for using out-of-network ATMs or running out of cash when you’re on the road, now is the time to find a bank that better fits your needs. FindABetterBank.com has a comparison tool that can help, as can Bankrate and Google Compare, which focuses on credit cards. Larger banks tend to offer more ATMs for frequent travelers, while smaller banks and credit unions might be less convenient but offer lower fees.2. Upgrade your credit card.Many people use credit cards that aren’t matched to their needs, which means they pay too much in fees or miss out on rewards. If you carry debt, you’ll want to find a card with the lowest annual fee possible. But those without debt can maximize their rewards. Comparison sites such as IndexCreditCards.com and CreditCards.com make it easy to search for the right fit. continue reading »
The Hard Rock Hotel & Casino Las Vegas announced last week that some consumers’ credit and debit card information may have been hacked at some of its retail and service locations.In its statement, Hard Rock said the breach potentially affected consumers’ names, card numbers, CVV codes, but not PIN numbers “or other sensitive customer information.”The hotel and casino said the breach occurred from Sept. 3, 2014, to April 2 at restaurant, bar and retail locations at the Hard Rock Hotel Las Vegas property, including the Culinary Dropout Restaurant. It did not affect transactions made at the hotel, casino, Nobu, Affliction, John Varvatos, Rocks, Hart & Huntington Tattoo or Reliquary Spa & Salon, the statement said.In related news, Sally Beauty Holdings Inc. said it is investigating reports of unusual card activity at some of its U.S. stores, according to KrebsonSecurity.com. Just last year, Sally Beauty confirmed a breach of its network that impacted most of its 2,600-plus locations nationwide. Also reported this month, point-of-sale maker Harbortouch disclosed a breach that involved some of its restaurant and bar customers. Krebs reported that the breach may have impacted more than 4,200 of its customers nationwide. continue reading » 18SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,James Lutter D. James (Jim) Lutter is the Senior Vice President of Trading and Operations at PMA Financial Network and PMA Securities where he oversees PMA Funding, a service of both companies … Web: pmafunding.com Details Words like “typically”, “historically”, “in the past” and “previously” are used to describe how prior experiences can be used to understand the possibilities of future outcomes. Historical analysis is often a good starting point when trying to understand how certain changes may affect the current environment. Credit unions looking to understand how rising rates will affect their deposit composition and funding strategies might be tempted to look back at the early 2000s and implement a similar strategy. The problem with this philosophy is that the situation today is substantially different and more complicated than during the early to mid-2000s.The last time the Fed raised interest rates, the U.S. was emerging from the tech bubble recession and dealing with the aftermath of 9/11. At this time, the overall mood of the country was much more unified and optimistic about the economic outlook. In addition, the regulatory environment was less invasive and more intelligible. Credit unions were able to couple this with low interest rates, allowing them to focus time and energy on deposit and loan opportunities instead of legal and compliance issues. As a result, the economy moved quickly through the recovery phase. Financial institutions witnessed strong loan growth and were thus active in the market for deposits.Conversely, the components of the most recent economic cycle look and feel considerably different. The country has become more polarized and pessimistic toward economic prospects. We’ve been in a particularly low rate environment for nearly a decade, while regulatory oversight has become more intense. Subsequently, economic growth has floundered at an anemic pace, leading many prominent economists to dub this the “new normal”. This has translated into lower loan growth and higher concentrations of short-term deposits at credit unions.When preparing funding strategies in a rising rate environment, it is important for credit unions to take this “new normal” into consideration. In December 2015, The Fed increased rates by 25 basis points, yet credit unions were very cautious in responding. “Historically”, Regional and Money Center banks have moved in sync with rate increases because their deposit and loan structure is based off of a market index, such as LIBOR. Credit unions, on the other hand, tend to lag as they increase rates after the Fed moves.The situation was different at the end of 2015. Money Centers did not respond and, in fact, put out notices that they were not increasing rates. Money Centers have accumulated a vast wealth of low cost deposits during the last decade and view their current deposit base as inelastic toward marginal rate hikes. To the contrary, credit unions have stayed true to their traditional approach and gradually phased in rate increases.Overall, financial institutions are trying to grasp the true cost of collateralization (both tangible and intangible), regulatory policy and the need to normalize spreads – all in the face of anemic economic growth. Credit unions are cautiously monitoring to see if a rising rate environment is actually sustainable or a blip in the radar. This constant state of uncertainty is rendering “traditional” models obsolete. Credit unions will look to leverage their unprecedented amount of core deposits as long as possible before transmitting rate increases along to clients. Once a clear direction is established, credit unions will be more inclined to pursue traditional methods. Overall, as “the past” has taught us, prepare to expect the unexpected.
continue reading » New research from the University of Illinois has found that paying for things with a smartphone increases how much consumers spend and how often they shop — findings that two industry pros said highlights how critical it is for credit unions to have solid mobile strategies in place.Using data from Alipay, which is the world’s largest mobile payment system and the most popular one in China, the study found that total transaction amounts rose 2.4% after the adoption of the mobile payment channel, and total transaction frequency increased by more than 23%.“Switching to the mobile channel leads to more shopping overall, and it particularly affects more hedonistic shopping such as food, entertainment and travel,” University of Illinois professor of business administration and study co-author Yuqian Xu said. “But it doesn’t affect purchases like education or health care. So it’s changing consumer behavior.”The greatest impact came on less expensive items that members buy often, such as beverages and movie tickets. 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
continue reading » We’re quickly learning how important adaptability is, aren’t we? Organizations, teams, and individuals who are adaptable are having a bit of a better go during this current crisis, at least as it relates to navigating the business portion of it. It seems that some are perhaps more naturally inclined that way than others, but the truth is that you can learn to be a more adaptable leader or individual.Be an adaptable leader by becoming a more intentional oneKnow what else we’ve quickly learned? Working from home isn’t as easy as perhaps some of us might have thought it would be.That’s not to say it can’t be done; but with distractions galore, it’s easy to see how leaders could quickly get spun up into dozens of different directions.Being intentional has never been more critical. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
– Advertisement – Shane Lowry making his fifth Masters appearance at Augusta National, having only previously made the cut once in 2016; Irishman comes into final major of the year after confidence-boosting performance at the Houston Open last week Last Updated: 10/11/20 3:44pm Shane Lowry says winning the Masters at Augusta National would be ‘on par’ with his maiden major triumph at The Open last year Get Sky Sports Golf for just £10 a month All four days of The Masters exclusively live. Get our £10 golf offer. Find out more here. – Advertisement – When’s The Masters on Sky Sports? Ways to watch The Masters live on Sky Sports’ dedicated Masters channel. Shane Lowry says winning the Masters at Augusta National would be ‘on par’ with his maiden major triumph at The Open last year Shane Lowry says becoming the first Irishman to ever win the Masters would ensure it is “on par” in stature to his maiden major victory at The Open last year.The 33-year-old lifted the coveted Claret Jug after claiming a six-shot victory in the 148th Open Championship at Royal Portrush last July, but he has struggled at Augusta National.Lowry has only made the cut once – in 2016 when he came tied-39th – in his four previous visits but comes into the rearranged final major of the year on the back of a tied-11th finish at the Houston Open last week.“If I could ever top Portrush? I think, yeah, I’ll struggle, but if I have a chance, it will be around here, you know what I mean,” Lowry said. The world No 27 admits his game off the tee will need to be at it is best if he is to stand a chance.“I’ve never played the par 5s well around here, and everybody knows, Augusta, you need to play the par 5s well to shoot a decent score,” Lowry said.“I kind of have my eye a little bit on those this week, and hopefully I can get out there Thursday and get off to a good start. And look, you never know what can happen then.”Watch The Masters this November live on Sky Sports, with all four rounds exclusively live on Sky Sports’ Masters channel. Live coverage beings with Featured Groups from 12.30pm on Thursday, November 12. – Advertisement – 0:56
Answers to frequently asked questions related to the use of this feature, you can download at links. The coronavirus will leave unforeseeable consequences on the global economy, and it remains unknown how long this condition will last. Estimates are different, but the fact is that tourism has stopped, and thus everything related to tourism, and beyond. After the first phase, as presented by the Prime Minister Andrej Plenković, the Government of the Republic of Croatia announced yesterday the implementation of the second phase of economic measures. Most of them relate to the deferral of the payment of public benefits for the duration of special circumstances. A large number of craftsmen have already applied for this measure, but also asked numerous questions to the Croatian Chamber of Trades and Crafts. Therefore, HOK published answers to the most frequently asked questions on its website and reminded all craftsmen that due to special circumstances caused by the coronavirus epidemic that affect business, in order to maintain liquidity, economic activity and retain employment, they can submit a request to the Tax Administration to defer payment due to special circumstances. .
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