Trends supporting the micro branch

first_imgCredit unions can save money and expand service with small locations.by: Stephanie Schwenn SebringAre you looking to expand your physical footprint this year? John Smith, CEO for DBSI, a design-build firm based in Chandler, Ariz., shares a few reasons why small branch spaces are worth considering.Every retailer wants more traffic. What retailer wouldn’t want more opportunities to know its clients via personal interactions? Micro branches enable a CU to get closer to its members – to where they work, live and play. Small facilities also let members test drive and interact with products—to see the value of those products, vs. just “reading the packaging.”Branch transformation. With 65 percent of the CU’s overall operating costs tied up in branch and ATM channels, it’s critical to optimize the branch channel fully. Think about hotels, fast food, airline lounges and, of course, retail. They recognized this trend way before banking and have taken actions to optimize their stores.Micro branches and shared tenancy. Working together, the branch and another retailer can pull in greater traffic at typically 25 to 50 percent less cost (for example, rent, overhead, and utilities all become shared costs.) Smith explains: “When you partner with a retailer like the Tea House, as does one of our credit union clients, each of you share a portion of the footprint. In this case, the CU and Tea House each have 1,600 square feet, but combined, the two occupy a much larger footprint of 3,200 square feet. That’s where there are savings. Without the combined space, the CU would have to create a larger overall space. Instead, the two share a common area, bathrooms, etc. Traffic increases as people come in to buy tea, yet need banking services; people come in for banking services, and then buy tea and sandwiches. So, the CU can realize 25 to 50 percent less cost but often double the traffic.” continue reading » 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

How to survive a sick day at work

first_img 26SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Wendy Moody Wendy Moody is a Senior Editor with CUInsight.com. Wendy works with the editorial team to help edit the content including current news, press releases, jobs and events. She keeps … Web: www.cuinsight.com Details Wishing you were home in bed instead of stuck behind your desk? Sometimes no matter how badly you want to crawl under the covers, you’re required to be at work. Here are a few tips for keeping your colleagues from getting what you have, and for surviving the entire workday.Prioritize tasksChances are you’re not firing on all cylinders when you’re feeling ill. So, start the day by listing your duties in the order of importance. Decide what you absolutely need to get done that day and what can wait until you’re feeling better. That way when the day is done, you’ll know that you completed what was necessary, making for a productive day.Be considerateYour colleagues may giggle when you show up to the office with Clorox wipes, Lysol, and hand sanitizer, but they’ll be thankful when your preparedness keeps them from getting sick. Keep your workspace sanitized as well as any common areas you come in contact with (for example, the microwave). Also, just because you’re under the weather doesn’t mean common courtesy and manners should go by the wayside. Excuse yourself when blowing your nose instead of doing so while your coworker is on a conference call.Stop complainingWhen you arrive to work and you’re sick, chances are your colleagues will figure out immediately that you’re not your old self. There’s no need to remind everyone every 15 minutes of how sick you are. Keep your condition to yourself and get through the day. Others will appreciate it if you’re able to power through and despite your illness, hold up your end of the bargain at the office.last_img read more

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Arsenal decide to sign Cedric Soares on permanent transfer

first_imgAdvertisement Arsenal are keen to sign Cedric Soares on a permanent deal (Getty Images)Arsenal are planning to sign Cedric Soares on a permanent deal this summer, according to reports.The right-back joined on loan from Southampton in the January transfer window but has not yet made an appearance for Mikel Arteta’s side.Arsenal paid around £1 million as a loan fee to Southampton but Cedric arrived with a knee ligament injury and was unable to take part in friendly matches against Charlton Athletic and Brentford earlier this month due to a facial injury.The Gunners are now confident that they can reach an agreement with Southampton which will keep Cedric on loan for the remainder of the Premier League season.AdvertisementAdvertisementADVERTISEMENTAnd according to ESPN, Arsenal are planning to sign Cedric on a free transfer once his contract expires with Southampton at the end of June.The report claims that Arteta has been ‘impressed by Soares’ professionalism and positive impact’ on the squad and the right-back is being lined up with a three-year deal. Advertisement Comment Cedric has not yet made an appearance for Arsenal (Getty Images)Meanwhile, Arsenal are also signing Pablo Mari on a permanent deal.The Gunners paid a £4.5m fee to sign the centre-back on loan from Flamengo in the January transfer window but have now agreed a £14m deal with the Brazilian club over a permanent move.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityBut despite Mari’s season-ending injury, Arteta insists that has not had an impact on Arsenal’s decision.‘This cannot be affected just because a player gets injured doing his job and defending our club,’ said the Arsenal manager.Follow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page. Arsenal decide to sign Cedric Soares on permanent transfer Metro Sport ReporterTuesday 23 Jun 2020 5:15 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link1.1kShareslast_img read more

Gold Coast tenants forking out up to $4000 a week in rent

first_img MORE NEWS: Waterfront mansion could mark Coast’s top sale The 2018 Commonwealth Games Athlete’s Village properties, now known as the Smith Collective, have hit the rental market. This Belle Maison skyhome at 129 Surf Pde, Broadbeach, costs $2250 per week to rent but comes fully furnished. More from news02:37International architect Desmond Brooks selling luxury beach villa12 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag2 days ago [email protected] Ms Conisbee said one factor behind the demand was interstate migration. “The Gold Coast appears to be an escape valve for Sydney’s high prices and we see very high levels of search activity from buyers and renters in Sydney looking at the area,” she said. “It’s lifestyle and affordability — what you pay to rent in Sydney near a beach is expensive but on the Gold Coast it’s much more affordable.” Most expensive median house rent per week A fully-furnished house at 20 Seabeach Ave, Mermaid Beach, has a rental rate of $2500 per week. Fully-furnished, architecturally-designed houses are also available including a four-bedroom Mermaid Beach property for $2500 a week. The house offers all the inclusions expected of a luxury residence such as a wine cellar, media room and heated pool.Overall, the Gold Coast has a median house rent of $560 and the median asking rent for units sits at $410. The Coast’s cheapest houses to rent are in Stapylton, Springbrook, Willow Vale and Bilinga where the median asking prices are below $430 per week. Willow Vale, Nerang and Pimpama have the most affordable rental unit market where the median asking rents are less than $380 a week. If you have $2500 per week to spare you can rent 115 George St West, Burleigh Heads.center_img The Atlantis West penthouse will set renters back a whopping $4000 per week. 1. Clear Island Waters — $850 2. Tallebudgera — $795 3. Tallebudgera Valley — $795 4. Broadbeach Waters — $790 5. Benowa — $780 6. Bundall — $750 7. Mermaid Waters — $750 8. Currumbin — $745 9. Reedy Creek — $715 10. Gaven — $710 Source: CoreLogic A house in Clear Island Waters will set renters back about $850 per week, with median prices in the Coast’s 10 most costly rental suburbs all above $700 per week. Hollywell, Benowa and Robina are the Coast’s most expensive spots to rent a unit, all with median asking rents above $500. Listed on realestate.com.au are a swath of luxury rental properties asking thousands of dollars per week.One of the most expensive, which will set renters back an eye-watering $4000 per week — or $208,000 a year — is a Surfers Paradise penthouse in the Atlantis West complex. The four-bedroom apartment at 180/8 Admiralty Drive, Surfers Paradise, also requires a $16,000 bond. Realestate.com.au chief economist Nerida Conisbee said Gold Coast rents were on the rise due to high demand. “There’s a massive amount of activity on the website (with) very high views per listing for Gold Coast suburbs, not just on a Queensland base but nationally,” she said. MORE NEWS: Cashed-up buyers go on spending spree One-bedroom apartments start at $380 per week. Smith Collective general manager Tina Grey said she expected more stock to hit the market throughout the year offering tenants variety and more affordable living options. The 2018 Commonwealth Games Athlete’s Village properties are set to help with that. “The Gold Coast has always been a tightly held market and these new properties wereneeded to support the growth of the city,” Ms Grey said. “The recent fresh supply of properties was needed because the Gold Coast vacancy rate was quite low, but the market is adjusting now they have been built.” One-bedroom apartments in the village start from $380 per week through to three-bedroom townhouses at $595 per week. Well-heeled tenants are pay big bucks to live in lavish rentals across the Gold Coast. Affluent renters are forking out up to $4000 a week to live in flashy houses and luxurious skyhomes on the Coast. And the latest CoreLogic data shows Clear Island Waters tenants are paying the most with the median rent for a house there the city’s highest. last_img read more

As a NZ health professional who has participated in late term abortions I urge you to vote NO

first_imgVoice For Life 8 August 2019 Dear New Zealand MP’s,As a health professional who has previously participated in late term abortions I urge you to vote NO to decriminalising abortion.Already in the last 10 years approximately 800 late term abortions have been performed on the grounds of “danger to mental health”. These perceived mental health dangers are most commonly actually “fetal abnormalities” or disabilities like Downs Syndrome, Congential Heart Defects, Osteogenesis Imperfecta, Edwards Syndrome, Patau Syndrome, Spina Bifida, Dwarfism, and Anencephaly just to name a few.These unborn children often require fetocide to be preformed as many are likely to survive post birth.Already, legally speaking, these are not “exceptional circumstances” that are proven to cause permanent damage to the physical or mental health of a woman. This is where we currently stand and it is already in direct disregard for human rights.The proposed law change will make late term abortion even more accessible and there is already no limit to how late.In 2010 alone 13 abortions where performed at 32 weeks and above. Viability in New Zealand is able to be supported as early as 23 weeks currently, so it is evident that even if it could have saved the mother’s life to deliver at 32 weeks that is not the main reason for the termination.One of my many other concerns is that early sex detection from 10 weeks is now available in New Zealand via an $800 blood test. Decriminalisation of the abortion law will further allow for sex selection in late pregnancy as it can be determined at the 18 weeks and onwards anatomy scan.This is not unthinkable and I have experienced being involved in such a case.Human rights begin in the womb and ending an unborn child’s life is NOT healthcare. We are not focusing on the actual healthcare aspects of unplanned or crisis pregnancies by liberalising the abortion law.Health care is looking at the compounding factors that lead women to make the choice of abortion – financial, coercion, lack of support, relational, education related, work related, stigma, visa related and societal values.I want to live in a society where my unborn child of 20 weeks and 5 days has the same human rights as all of us. How did being born alone earn any of us these rights?The right to life is the fundamental human right first and foremost.With deep concern,Jane*Midwife, Woman, Human, Mother.*Name has been changed to protect this health professional and her familyhttp://voiceforlife.org.nz/blog/as-a-nz-health-professional-who-has-participated-in-late-term-abortions-i-urge-you-to-vote-no/last_img read more

Rodgers responds to talk Leicester could beat Chelsea to £75m deal

first_img The attacking midfielder left Liverpool for Camp Nou in January 2018, but the move has not quite gone to plan, leading to him being loaned out to Bayern Munich this season. And with Bayern opting not to activate their option not to sign Coutinho on a permanent basis, speculation has strongly linked with him a return to the Premier League – most notably to Chelsea – and especially with Barcelona looking to cast aside a number of big names to help with their squad rebuilding. However, Leicester have also been mentioned as potential suitors for the Brazilian star, especially given the Foxes will likely be able to offer Coutinho Champions League football next season and owing to the fact that it was Rodgers who brought the player to England in the first place. However, in response to the rumours, Rodgers appears to have ended all talk of seeing Coutinho in a Liverpool shirt next season.Advertisement Rodgers said on Eamonn Holmes’ Eamonn and the Gaffers podcast: “I’ve seen lots of speculation around young Phil, I don’t think… Philippe’s a wonderful player, a brilliant talent, but he would be someone who is way out of our price bracket.” Reports have indicated that Barcelona have set a £75m asking price on Coutinho’s head – around half the fee they paid for him – but Rodgers expects many clubs to struggle to spend big money this summer in light of the global economic struggles that are impacting the game. Nonetheless, Rodgers insists Leicester are continuing to work behind the scenes on some potential incomings this summer and added: “In terms of transfers, it’s something that we’re tentatively looking at. read also:I’m going nowhere, Ndidi pledges future to Leicester City “The market I feel is going to be very difficult this year, this coming summer. “It’s one where we have discussions but there’s certainly nothing concrete at this stage.” FacebookTwitterWhatsAppEmail分享 Loading… Brendan Rodgers has conceded that Leicester have little to no chance of signing Philippe Coutinho amid claims Barcelona had put the Brazilian midfielder up for sale. Promoted ContentThe Models Of Paintings Whom The Artists Were Madly In Love With10 Hyper-Realistic 3D Street Art By OdeithWhich Country Is The Most Romantic In The World?14 Hilarious Comics Made By Women You Need To Follow Right NowBirds Enjoy Living In A Gallery Space Created For ThemPlaying Games For Hours Can Do This To Your BodyThe Very Last Bitcoin Will Be Mined Around 2140. Read MoreBest Car Manufacturers In The World2020 Tattoo Trends: Here’s What You’ll See This Year6 Ridiculous Health Myths That Are Actually True5 Of The World’s Most Unique Theme ParksThe Funniest Prankster Grandma And Her Grandsonlast_img read more

Mata impressed by Van Gaal

first_img Mata’s respect for his new manager increased six weeks ago when he witnessed at first hand Van Gaal’s Holland hammer Spain 5-1 in the World Cup. “That game was very, very bad for us,” said Mata, who watched on from the bench. “They scored five goals against Spain so he did a great job.” Van Gaal plans to implement the 3-5-2 formation he used in the latter stages of the World Cup at United this season. That is good news for Mata, who is the perfect candidate to play in the hole behind two strikers. Mata enjoyed two successful years at Chelsea in that position, winning the club’s player of the year award on both occasions. But under David Moyes, Mata was often stationed on the right wing, where he did not look comfortable at all. The former Valencia midfielder hopes Van Gaal’s new system will bring the best out of him. “If I play behind the two strikers it’s a good position (for me),” he said. “I can look for the ball, I can try to assist or score, so I will try my best. “I will try to score as much as I can and try to help the team from that position. “If I have to play on the wing I will try my best as well but I feel comfortable in this role.” United have adapted to the new formation straight away, beating the Los Angeles Galaxy 7-0 in Van Gaal’s first game in charge on Wednesday night. And Mata hopes the system will be just as effective in the Premier League. “It can be very dangerous for the opponent. It is difficult for them to play against us in this formation,” he said. Finishing seventh last year is an experience Mata will never forget, even though he was only at the club for the last four months of the season. The Spaniard is aiming for the highest finish possible this term. “Last season was my first season in England without trophies so hopefully this new season I will be back to win something,” said Mata, who will play against his former club Valencia at Old Trafford on August 12. “The Premier League is a trophy I have never won so it would be a dream for me. “Ever since I was young Manchester United was winning trophies or fighting for them so that is what we have to do. “We have great players, a great manager. We have to go step by step but Man United always play for winning.” Louis van Gaal has told his players they must only speak to each other in English, Juan Mata has revealed. Van Gaal has laid down a few rules since taking over at Manchester United. The Dutchman has reminded his players they must fulfil their media duties and has told the United board that next year’s pre-season tour must be shorter. And now it has emerged that Van Gaal has instructed his squad to speak to one another in English, presumably to improve unity in the ranks. “We (the squad) only speak in English,” Mata said. “He (Van Gaal) says we have to speak in English.” Mata, who is perfectly fluent in English having arrived in the UK three years ago, does not see the new rule, or any other laid down by the new manager, as harsh. In fact, the Spaniard has a deep respect for his new club manager, and is fully behind everything he is doing at Old Trafford. “He is very good on and off the pitch. He is a good man and a great manager,” Mata said. “He has a lot of experience, he has won trophies in previous teams too, so it’s a good chance for me to learn from him and for us to improve as a team. “He is demanding. He is very honest, straight, speaks with everyone to his face. I think this is good, a perfect way to do it, saying what you think about the players in front of them.” Press Associationlast_img read more

Middle school basketball

first_imgSACO — Middle-schoolers from Mount Desert Island girls’ and boys’ teams helped win tournament championship games this weekend at the Amateur Athletic Union (AAU) Maine Hoops U.S. Canadian Challenge.The Downeast Basketball Club Warriors, a team of eighth-grade boys from MDI and Ellsworth, went 3-0 to become champions at the tournament this weekend. In the final, the Warriors went against a team from Barre, Vt., winning 54-48.Team members are Owen Mild and Colby Lee of Tremont, James McConomy and Billy Kerley of Bar Harbor, Andrew Phelps of Southwest Harbor, Alden Fournier of Mount Desert and Sam Giffin, Jared Hamilton, Zach Harris and Bradley Smith of Ellsworth.They team has been invited to the Zero Gravity Nationals held in Boston on June 13 as well as a national tournament in Virginia in July.This is placeholder textThis is placeholder textA seventh grade girls’ team based in Bangor, called the Northstars, includes Maddy Candage of Bar Harbor. They finished the season 27-4 and won several tournament championships, including the U.S. Canadian Challenge.Find in-depth coverage of local news in the Mount Desert Islander. Subscribe digitally or in print. Latest posts by Fenceviewer Staff (see all) Fitness trainer is now cancer-exercise expert – October 12, 2014 Latest Posts Schoodic Grange hosting sale – October 30, 2014center_img Bio Town report wins award – October 11, 2014 Fenceviewer Stafflast_img read more

The Latest: Pole vaulters set bar in competition from homes

first_imgDuplantis and Lavillenie each cleared a height of 5 meters (16 feet) 36 times over a span of 30 minutes that was broadcast by World Athletics on its social media channels. Both had one miss. Sam Kendrick of the United States wound up third by clearing the bar 26 times.They tried to figure out a tiebreaker before electing to award double gold. The 20-year-old Duplantis initially pushed for a three-minute playoffs, while the 33-year-old Lavillenie nixed the plan.Lavillenie did clear his 36th bar seconds before Duplantis. The event was split into two 15-minute sessions with a short halftime.The trio collaborated on the unique competition format since adjusting the bar wasn’t practical without officials in place.Duplantis competed from his base in Lafayette, Louisiana. Kendricks was at his farm in Oxford, Mississippi, and Lavillenie took part from Clermont-Ferrand, France, as he pushed the family’s trampoline to the side in order to jump. ___Serie A soccer clubs are in limbo with several regions of Italy allowing players to begin practicing on an individual basis at training centers on Monday while the government has set a May 18 return to the practice field for teams.Sports minister Vincenzo Spadafora is seeking clarification from the government’s techno-scientific coronavirus commission.Emilia-Romagna, Campania, Lazio and Sardinia have each given the go-ahead for teams in their regions to begin individual training. Those regions contain eight Serie A clubs: Bologna, Sassuolo, Spal, Parma, Napoli, Lazio, Roma and Cagliari.Serie A has been suspended since March 9, when the government ordered a nationwide lockdown. The Latest: Pole vaulters set bar in competition from homes It was billed as the “Ultimate Garden Clash” and could be a model for future track events. The outbreak of COVID-19 has led to the Tokyo Olympics being moved to 2021, along with the track and field season being put on hold.___All Serie A clubs have been cleared to resume training this week on an individual basis following a clarification from the Italian government.A week ago, the government had said that athletes in individual sports could resume training Monday and teams on May 18. That sparked confusion and frustration from Serie A clubs, which pointed out that their players would be allowed to train individually in public parks but not inside team training centers.Then over the last couple of days, several regional governors said teams in their areas could resume training individually at club training centers. May 3, 2020 Players from Spanish league clubs will be allowed to resume training on Monday as Spain eases some of the lockdown measures that had been in place because of the coronavirus pandemic.The government is allowing players to train individually at the clubs’ facilities while observing a series of safety measures pre-established by the league and local authorities.The league prepared a detailed four-phase training protocol that has already been distributed to clubs. Smaller group sessions and full squad sessions are likely to be allowed in the coming weeks.All players were expected to be tested for COVID-19 before resuming their training sessions.The Spanish league is expected to resume sometime in June. Now the government says all athletes are allowed to take part in “individual sports activity, in public or private areas, while respecting the safe distance of at least two meters (yards) and respecting the ban on any form of gathering.”Serie A has been suspended since March 9, when the government ordered a nationwide lockdown.___The chairman of Crystal Palace says the Premier League could face years of legal challenges if this season is not completed due to the coronavirus pandemic.Steve Parish offered public support for the league’s “Project Restart” plans after Brighton and West Ham expressed concerns about teams being forced to play their remaining games in neutral stadiums. The league is working with the government to find a safe way of players resuming group training and playing games by June at the earliest.Parish says “I want to complete the competition for reasons of sporting integrity. I want to crown Liverpool champions and give every other club a fair crack at the best league position they can achieve.”Palace is 11th in the 20-team standings with nine games remaining.Parish says “I certainly don’t want to have difficult conversations about curtailing, voiding and points per game. The ramifications of each are complex and could involve legal challenges that run on for months, if not years.”___ Share This StoryFacebookTwitteremailPrintLinkedinRedditThe Latest on the effects of the new coronavirus outbreak on sports around the world:___Mondo Duplantis of Sweden and Renaud Lavillenie of France tied for the gold medal Sunday during a men’s pole vault competition held in their own backyards. It was a rare sporting event held during the coronavirus pandemic. The government announced a week ago that individual athletes can resume training on Monday May 4, while teams can restart May 18.___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6 Associated Press last_img read more