How does your skip coverage measure up?

first_imgManaging risk is both an art form and a science. Understandably, many auto lenders fear making the wrong collateral protection insurance choice. Although charge-offs at U.S. banks decreased 0.28 percent from fourth quarter 2014 to second quarter 2015, a loss is a loss and the goal of all lenders is to keep repossessions as low as possible and minimize risk to the best of their ability.With CPI, skip coverage is one of those perceived risk mitigation tools. It protects lenders when borrowers are unable to pay on their loans and/or keep up with their state obligation to pay auto insurance premiums. However, not all skip coverage is created equal.A proficient provider of this vital auto lending risk management component will be armed with tools and resources to give your credit union the best opportunity to recover its collateral and maximize the return on its investment. This could include:a vast network of reliable partners that gives your credit union access to volume-based rates that can save you money and help you achieve the highest return on your assets. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Plan with purpose: Employ the strategic gut check

first_img 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bryn C. Conway Bryn C. Conway, offers more than 15 years of experience as a former credit union executive with extensive background in strategic planning, brand development, member experience, retail delivery and public … Web: Details Strategic planning is an extremely important process for your credit union. However, at times it may feel like you are just going through the motions or worse yet, that you spend endless time debating and re-evaluating initiatives and decisions. Here’s how to ensure your strategic planning process stays purposeful by focusing on your core purpose, vision, and mission. Only then can you employ what I like to call the “strategic gut check.”CORE PURPOSE, VISION AND VALUESOnce defined, your core purpose, vision and mission do not change year over year. These are the guides to your business decisions. They become a line items on the strategic planning session agenda each year to ensure that everyone remains on the same page and that all strategies and initiatives for that year circle back with purpose. Take the time this year, if you have not already, to clearly define or refine as necessary, your core purpose, vision and values. You will reap the benefits for your organization for years to come by having the Board and executives aligned with your true strategic direction.Core Purpose defines the community you will serveYour core purpose is not a list of all those you can serve, nor is it an explanation of your charter. It is a simple statement that answers the question who you serve and defines the core community to which you and your members belong. The key to a core purpose is for it to be broad enough to be inclusive, yet defined enough to be relevant to those who are part of the community. Your ultimate goal is to define the community you will serve and, just as importantly, be comfortable omitting the communities you will not.Vision imparts what you want to beYour organization’s vision is in essence what you want to be when you grow up. It is what your business will be known for in the future. To define your vision you must look up and out. Your vision statement is your credit union’s envisioned future. It is the strategic destination at which you will arrive if you live by your core purpose and your mission. Your vision statement should be future minded, forward thinking and aspirational in nature.Mission answers the question why you existYour credit union’s mission gives action and direction to your core purpose. When writing your mission, include your community and your core purpose in your statement. Ask yourself what is your value proposition and what makes you unique, different and connected to your community. What do you want to do? What is your credit union’s ultimate goal? Why do you exist?THE STRATEGIC GUT CHECKYour core purpose, vision and mission should be the basis for all strategies and initiatives moving forward. It will help answer questions such as whether or not to merge, what new SEGs to target, how to shape your service delivery and what new product lines to support. If any new idea doesn’t pass the strategic gut check test of aligning with your core purpose, vision and mission, don’t do it! It’s that simple.  Each planning session and future executive discussions at your credit union should reflect congruently with this basic question: Does this strategy or tactic align with our core purpose, vision and mission? Your employees and your Board must understand and be committed to these statements. If your core purpose, vision and mission aren’t clear or there is not agreement, you’ll need to spend valuable planning time discussing these issues and coming to consensus. When you embark on this year’s planning process, start with the strategic gut check and ask your Board and your executives to explain their understanding of your core purpose, vision and mission. By starting here, you will ensure that your strategy is truly strategic, that you are consistently looking up and out, and that you are meeting your members’ needs far into the future. Happy planning!last_img read more

Hezbollah member guilty of Lebanon ex-PM’s 2005 murder

first_imgTopics : Salim Ayyash, 56, was convicted in absentia by the STL based in the Netherlands, over a huge suicide bombing in Beirut that killed the Sunni billionaire politician and 21 other people.”The trial chamber finds Mr Ayyash guilty beyond reasonable doubt as a co-perpetrator of the assassination of Rafic Hariri,” said David Re, presiding judge of the tribunal.Addressing victims of the attack, he said: “We sincerely hope the verdict today will give you some sort of closure.”But judges said there was not enough evidence to convict Assad Sabra, 43, Hussein Oneissi, 46, and Hassan Habib Merhi, 54, over the blast, which changed the face of the Middle East. The judges also said there was no evidence to directly link Syria — the former military overlord in Lebanon — or Hezbollah’s leadership to the attack. Sentencing for Ayyash will be decided at a later date. He faces life imprisonment if he is ever brought before the court.Hezbollah chief Hassan Nasrallah has refused to hand over the four defendants and rejected the court’s legitimacy.Mobile phone plot Judges said there was sufficient evidence to show that Ayyash was at the center of a network of mobile phone users who scoped out Hariri’s movements for months before his assassination.A still-unidentified suicide bomber driving an explosives-laden Mitsubishi truck blew himself up as Hariri’s motorcade passed on the Beirut waterfront on Valentine’s Day in 2005.Prosecutors had said Ayyash was a ringleader of the group, while Oneissi and Sabra allegedly sent a fake video to the Al-Jazeera news channel claiming responsibility on behalf of a made-up group. Merhi was accused of general involvement in the plot.The judges said evidence also linked phones used in the attack to Hezbollah commander Mustafa Badreddine — who was indicted by the court but is believed to have been killed in the Damascus area in May 2016.The Hariri bombing triggered mass protests that drove Syrian forces out of Lebanon after three decades.But the court said there was not enough evidence to tie Damascus to the crime.”Syria and Hezbollah may have had motives to eliminate Mr Hariri and his political allies, however there is no evidence that the Hezbollah leadership had any involvement in Mr. Hariri’s murder and there is no direct evidence of Syrian involvement,” Re said.Nevertheless, US Secretary of State Mike Pompeo, welcoming the verdict, said it “helps confirm what the world is increasingly recognizing — that (Hezbollah) and its members are not defenders of Lebanon as they claim to be but constitute a terrorist organization dedicated to advancing Iran’s malign sectarian agenda.”An EU spokesperson said “the European Union reiterates the need to fight impunity and strengthen accountability and the rule of law at the international level”.”We hope that the judgment today will be given appropriate follow-up,” the EU statement added.A lawyer for Oneissi slammed the prosecution’s case, saying “it was obvious from the start it would not hold,” against his client.He was happy for Oneissi, but at the same time sad that hundreds of millions of dollars (euros) was spent on “such an empty dossier and on evidence that was obviously poor from the start,” Vincent Courcelle-Labrousse told journalists.The hearing opened with a minute’s silence for victims of the explosion that devastated Beirut two weeks ago, killing 177 people. The verdicts were initially scheduled for August 7 but postponed because of the blast.’Heinous crime’ The UN Security Council agreed in 2007 to establish the court billed as the world’s first international tribunal set up to probe terrorist crimes.It opened its doors in 2009, although the Hariri trial itself did not formally start until 2014.The court has cost at least $600 million to operate and has so far heard only four cases, two of them for contempt of court about news reports with information about confidential witnesses.Hariri was Lebanon’s Sunni premier until his resignation in 2004 over Syria’s role as powerbroker in the country.Judge Re said Hariri’s assassination was “political” and was prompted by his decision to move away from Syria and the sending of representatives to an opposition meeting where participants agreed to call for Damascus’ immediate and total withdrawal from Lebanon. Observers have voiced fears that the verdict, whichever way it went, could spark violence on the streets in Lebanon.Tuesday’s verdict came as thousands of Beirut residents have expressed anger at the authorities after the port blast triggered by a warehouse fire that set off large amounts of stored ammonium nitrate.The disaster led to the Lebanese government’s resignation and compounded Lebanon’s severe economic crisis.center_img A UN-backed tribunal on Tuesday found a member of the Hezbollah Shiite movement guilty over the 2005 murder of former Lebanese prime minister Rafic Hariri but cleared three other suspects after a years-long trial.The long-awaited decision prompted mixed reactions, with the late Hariri’s son Saad telling journalists outside the Special Tribunal for Lebanon (STL) he “accepted the tribunal’s verdict.””Everybody’s expectation was much higher than what came out today, but I believe that the tribunal came out with a result that is satisfying. We accept it,” said Saad Hariri, also a former prime minister, after attending the hearing at the STL’s heavily fortified courthouse.last_img read more

Townsville developer serves up a treat for potential buyers

first_img Building key to finding best location More from news01:21Buyer demand explodes in Townsville’s 2019 flood-affected suburbs12 Sep 202001:21‘Giant surge’ in new home sales lifts Townsville property market10 Sep 2020Head Chef at A Touch of Salt, Michael Brine“We have developed a series of free lifestyle events to be hosted at our new Display House and sales centre over the next few months to entice people to come out and take a look,” Mr Fotinos said. “The partnership with Michael Brine (Executive Chef) and A Touch of Salt, was a great opportunity for people to see how they can cook up a cheap gourmet breakfast and enjoy it on the patio overlooking the large back yard, surrounding natural bushland and open spaces that The Orchard boasts. “The lifestyle events series was designed to be appealing enough to get people to come out and take a look and see what the community is like.”Other events featured in the series are free dog wash days along with other events like do-it-yourself handy skills classes and fun runs.Mr Fotinos also said the new display house and sales centre which opened three months ago had made a significant impact on foot traffic, which has translated to increased sales.“Since opening the house we have seen a huge increase in people visiting the development and also spending more time here,” Mr Fotinos said. “The house has really helped people envisage what living at The Orchard is like.“To be able to spend some time in a home and get a feel for the community and the kind of lifestyle it provides has been really important for buyers and that is demonstrated with the sales made since opening the house.” Sales Director at The Orchard, Paul Fotinos.A TOWNSVILLE developer has served up a new campaign to attract buyers to The Orchard Estate in Jensen. A breakfast masterclass with A Touch of Salt’s executive chef this morning, was part of the estate’s ‘lifestyle event series.’The Orchard’s Sales Director, Paul Fotinos, said the development, tucked away in natural bush land off Darling Road in Jensen, could be difficult to find so the lifestyle events were formed to encourage people to visit. MORE NEWS More evidence buyer confidence is returningcenter_img READ MORElast_img read more

Tiger Woods cautious about return ahead of Memorial

first_img Promoted Content6 Extreme Facts About Hurricanes9 Best Movie Robots Of All Time13 kids at weddings who just don’t give a hootThe Very Last Bitcoin Will Be Mined Around 2140. Read More6 Best ’90s Action Movies To Watch TodayWhich Country Is The Most Romantic In The World?A Hurricane Can Be As Powerful As 10 Atomic BombsThe Best Cars Of All TimeCouples Who Celebrated Their Union In A Unique, Unforgettable WayWhat Happens When You Eat Eggs Every Single Day?7 Enigmatic Discoveries That Left Everyone BaffledThe 18 Most Visited Cities In The World Loading… Tiger Woods admitted Tuesday that concern over the coronavirus delayed his return to the PGA Tour as he prepares to play his first event since February at this week’s Memorial Tournament in Ohio. The former world number one has not played since appearing in the Genesis Invitational in Los Angeles in February but will tee off at Muirfield on Thursday chasing a sixth victory in the Jack Nicklaus-hosted event. The 44-year-old 15-time major winner said Tuesday he had contemplated returning to the tour earlier but had wanted to see how the first few events of the post-coronavirus shutdown fared before coming back. “I just felt it was better to stay at home and be safe,” Woods said Tuesday. “I’m used to playing with lots of people around me or having lots of people have a direct line to me, and that puts not only myself in danger but my friends and family, and just been at home practicing and social distancing and being away from a lot of people. “Coming back and playing the tour, in my case over the 20-some-odd years I’ve been out here, that’s really hard to say, that I’m used to having so many people around me or even touch me, going from green to tee. “That’s something that I looked at and said, well, I’m really not quite comfortable with that, that whole idea.” Memorial organisers had initially planned to allow fans on the course at this week’s tournament, but abandoned that idea as COVID-19 cases across the United States began to skyrocket. – ‘Going to be different’ – On Monday, PGA Tour officials confirmed that the remainder of the 2019-2020 season would take place without fans. It means Woods will tee off on Thursday alongside world number one Rory McIlroy and Brooks Koepka without the customary horde of spectators that usually follows him around a course. “It’s going to be different, there’s no doubt about it,” Woods said. Read Also: Suarez admits Barcelona are focusing on Champions League glory “I think change is fantastic as long as we make changes without hurting the innocent, and unfortunately that has happened. Hopefully it doesn’t happen in the future, but a movement and change is fantastic,” Woods said. “That’s how society develops. That’s how we grow. That’s how we move forward. That’s how we have fairness.” FacebookTwitterWhatsAppEmail分享 “For most of my career, pretty much almost every competitive playing round that I’ve been involved in, I’ve had people around me, spectators yelling, a lot of movement inside the gallery with camera crews and media.” Woods, who is making only his fourth tournament appearance of the season this week, said he has improved his health during the long layoff. A stiff back hampered his performance at the Genesis in February, but Woods said he had not been troubled since. “I feel so much better than I did then,” Woods said. “I’ve been able to train and concentrate on getting back up to speed and back up to tournament speed. During Woods’ layoff, the United States was convulsed by nationwide protests against racism following the death of unarmed African-American man George Floyd during his arrest by police in Minneapolis on May 25. Woods said he applauded efforts of Black Lives Matter activists to bring about change.last_img read more

UPDATE: County seeking Murder Charge – Suspect arrested following shooting in Aurora

first_imgOriginal Story—Late Thursday night officers responded to a report of a person shot at an address on Indiana Avenue in Aurora.   Nicholas Woodruff, 19, of Aurora was immediately transported from the scene to High Point Health where he died as a result of his injuries.In the initial investigation, the Indiana State Police and Aurora Police Department have determined that sometime just prior to 10 pm Thursday, Robert L. Marksberry, 64, Switzerland County, arrived at 803 Indiana Avenue,  in Aurora. At some point after Marksberry was involved in an altercation with Woodruff. Marksberry retrieved a gun and allegedly shot Woodruff before leaving the area in a vehicle. Officers with the Dearborn County Sheriff’s Office and Switzerland County Sheriff’s Office were able to locate Marksberry at a residence near Bennington in Switzerland County, where he was then taken into custody. He was transported to the Dearborn County Jail where he is being held pending the filing of formal charges.The investigation is still ongoing. Aurora, IN—Update—Murder charges were formally filed today from the death of Nicholas Woodruff, 19, of Aurora. Robert Lee Marksberry, 64, was charged on an allegation of Murder from the event that took place in Aurora on May 28th.That night, police allege that Marksberry was at the residence of his half-brother, Terry Woodruff on West Conwell Street. According to police, Marksberry had been at the residence for several hours when they decided to leave. Marksberry, who was driving and his passenger, Michael Tunstall, were leaving when Terry stopped the Defendant and they were all talking. Nicholas came out of the residence and proceeded to the roadway where the conversation was occurring. Police learned that Nicholas hopped into the bed of Marksberry’s truck where Nicholas picked up either a chainsaw or trimmer. Marksberry allegedly made a remark to the effect of, “don’t think you’re going to be stealing my stuff..I’ll shoot you.” Nicholas exited the bed of the pickup truck, came to the driver’s side door where the Marksberry was seated and struck him in the face with his fist. Marksberry then allegedly shot Nicholas in the heart with a .32 caliber handgun and sped off.Police learned that Marksberry purchased the gun and two bullets earlier in the day of the shooting from a family member in Aurora.last_img read more

Broadway Gaming to pay £100,000 penalty package

first_img Submit Share UKGC hails ‘delivered efficiencies’ of its revamped licence maintenance service  August 20, 2020 Related Articles Broadway Gaming is to pay a penalty package of £100,000, relating to an exclusion of significant terms linked to a number of promotional adverts on five of its gaming websites.As well as the financial penalty, which would otherwise be imposed for a breach of license conditions, Broadway are to also pay a contribution to the costs of the investigation.In addition to this an agreement to publish a statement outlining its failings, and lessons to be learned by the wider industry, was also imposed.After the Advertising Standards Authority (ASA) initially upheld a complaint about an advert in June 2016, the Gambling Commission completed a further investigation.The ASA ruled that the initial advert, which offered “Deposit £10. Play £35,” was misleading due to the fact that important conditions for the promotion were not communicated.A regulatory investigation, that commenced on March 6 of this year, found similar failings on the Bingo Diamond, Casino of Dreams, Dotty Bingo and Rehab Bingo websites also run by Broadway.During this investigation Broadway also admitted that affiliate advertisers had placed similar adverts on other websites, whilst also admitting it is responsible for such actions, and the necessity to exercise greater control in future.In its statement the Gambling Commission stated that: “Broadway has accepted these adverts breached SR code provision Licensees must abide by any relevant provision of the CAP or BCAP code, as the case may be, which relates to ‘free bet’, ‘bonus’ or similar offers and in that regard follow the CAP and BCAP ‘Guidance on the rules for gambling advertisements’. In particular that: Marketing communications (which include advertisements) must state significant limitations and qualifications. Qualifications may clarify but must not contradict the claims that they qualify. “Concluding: “We consider that this case provides valuable learning for remote and non-remote operators. Operators must ensure that they do not mislead consumers or more generally cause consumer confusion by using unclear and ambiguous terminology in the marketing and advertising of their products. “Their marketing and advertising should comply with the requirements of BCAP/CAP codes and the Licence conditions and codes of practice. “Operators should take a proactive approach in assessing marketing and advertising promotions to ensure consumers are fully informed about the nature of the products on offer.” ASA monitoring sweep marks gambling as the worst underage advertising offender August 26, 2020 Share UK gambling adopts toughest online advertising code to protect underage audiences August 27, 2020 StumbleUponlast_img read more

When will the NFL’s 17-game schedule start?

first_imgWhen will the NFL’s 17-game schedule start?The answer to that question is: Not immediately.The earliest the NFL can add the 17th regular season game is 2021, and the latest is 2023. It seems the most likely landing spot will be 2022, because new broadcast contracts could potentially be in place by then.Until then, the 2020 season will be fairly similar: four preseason games, 16 regular season games, but with the new twist of an added Wild Card team to each conference, giving fans two extra playoff games on Wildcard Weekend. Only the top seed in each conference will get a first-round bye. MORE: NFL players post mixed reactions after new CBA passes in close voteUltimately, despite heavy opposition from some big name players, the vote to approve passed, which means we will be getting a 17-game NFL season in the future.  NFL players voted to approve the new proposed collective bargaining agreement by a narrow margin of 1,019 to 959. The new CBA contains several big changes, most notably the installment of a 17-game season.The 17-game season was a big point of contention. Owners wanted to extend the season for obvious reasons: an extra game means an extra week of revenue and allows them to hike up the costs for TV deals, which are set to be renegotiated this year. Many players, on the other hand, were concerned about adding an extra game because it’s another week they have to risk injury and potentially miss out on extending their careers.last_img read more

Leafs explode past Golden Rockets 9-3

first_imgNelson Leafs exploded for seven third period goals en route to a 9-3 Kootenay International Junior Hockey League pasting of the Golden Rockets Friday night at the NDCC Arena.Leaf forward Andy Fitzpatrick, named Nelson’s game star, led the charge, scoring twice while adding two assists in the third frame as the Leafs handed Golden its ninth consecutive loss to open the season.The teams were tied 1-1 after 20 minutes and 2-2 following the second period before Nelson jumped all over the Rockets.Jordan Davie snapped the 2-2 tie with a goal 51 seconds into the third period.Newcomer Nick Novin, scoring his second of the game, increased the lead to 4-2 before Leaf captain Rayce Miller scored to give Nelson a three-goal advantage.Kyran Karol cut the margin to 5-3 with power play marker. However, Tyler Garcia restored the three-goal advantage minutes later.Garcia’s marker also was on the power play.Eamonn Miller and Fitzpatrick completed the third period barrage as Nelson outshot the Rockets by a 23-3 margin.Ren Mason, scoring his first goal for the Leafs this season, also scored for Nelson.Terix Fischer-Kobes and Darion Nordick scored the other goals for Golden, which was out shot by a 45-21 margin.Nelson returns to action Saturday when Beaver Valley Nitehawks visit the NDCC Arena. The Hawks lost for the second consecutive time Friday, 5-3 to Summerland Steam.Puck drop is 7 p.m.Sunday, Nelson hosts the Summerland Steam at 2:30 p.m. in the NDCC Arena.LEAF NOTES: This is the first time this season Nelson has scored more than four goals in a game. The previous high came Friday, September 18 against Spokane Braves. . . . Andy Fitzpatrick finished the game with five points while Rayce Miller had four points. The explosion thrust Fitzpatrick into a four-way tie for top spot in Leafs scoring with seven points. Fitzpatrick is tied Jordan Davie, who leads the team in goals with six, Eamonn Miller and Brendan Smith. . . . Golden, which now has allowed a league high 56 goals, played the game with only 12 skaters.last_img read more

Mourinho wears iconic gilet jacket to first Spurs press conference

first_imgJOSE MOURINHO was branded a “budget Tim Sherwood” after he rocked up to his first Spurs press conference in a gilet.The Portuguese manager, 56, revealed he has been “smiling for two days” after taking over from Mauricio Pochettino.4 Jose Mourinho turned heads as he strolled in wearing a gilet4 Tim Sherwood was rarely seen without a sleeveless jacket during his time in charge of the club.Credit: Dave Pinegar – The SunBut The Special One was trolled by fans online after he opted to pair his purple Tottenham tracksuit with a navy blue gilet.Supporters likened him to former Spurs boss Sherwood – who is renowned for wearing the sleeveless jacket in the Tottenham dugout.Writing on Twitter, one fan said:”Mourinho is sat in front of the media wearing a fetching gilet in honour of Tottenham’s greatest ever manager, Tim Sherwood.”Another added: “Mourinho in a gilet. Heroic Sherwood nonsense. This is why the Barclays needs him.”Another simply wrote: “Budget Tim Sherwood.”Alongside the infamous clip of Sherwood throwing his gilet in anger on the side of the pitch, one fan wrote: “Sherwood is furious Mourinho has stolen his look.”But some argued Mourinho started the trend after he wore a gilet during his spell with Inter Milan from 2008 until 2010.And the 56-year-old wore them during his time with Chelsea and Manchester United.During the press conference, Mourinho admitted he will “make new mistakes” as he attempts to turn Spurs into a winning club.4MOST READ IN SPORT THROUGH ITRobbie Keane reveals Claudine’s father was ’50-50′ in coronavirus battle’I ACCEPT’McGregor accepts Silva fight at UFC catchweight of 176lbs in huge super-fightTOP SELLERGavin Whelan has gone from League of Ireland to David Beckham’s InstagramPicturedA CUT ABOVEMike Tyson shows two-inch cut ‘picked up in training’ ahead of boxing returnExclusiveRIYAD RAIDMan City’s Riyad Mahrez has three luxury watches stolen in £500,000 raidPicturedAN EYEFULMeet Playboy model and football agent Anamaria Prodan bidding to buy her own clubI SAW ROORodallega saw Rooney ‘drinking like madman’ & Gerrard ‘on bar dancing shirtless’NEXT STEPJonny Hayes set to move to English Championship having been let go by CelticIT’S…NOT TOMMY BOWETommy Bowe discovers someone has been impersonating him on TinderMAC DADDYTriple H wants McGregor v McMahon with winner getting rights to billionaire strutAsked if he was an improved boss after being axed by Manchester United, Mourinho said: “I think so. These last 11 months have been used to think and to prepare.”You never lose your DNA. You are what you are – for the good things and the bad things. I know in my career that I’ve made mistakes.”I’m not going to make the same mistakes. I’m going to make new mistakes. I’m going to be stronger.  Happiness-wise I am convinced my choice was a great one. Ten out of ten.”4Jose Mourinho comments on when he said ‘never want to manage Spurs’ in first press conference as Tottenham bosslast_img read more