FacebookTwitterLinkedInEmailPrint分享Reuters:China has excluded “clean coal” from a list of projects eligible for green bonds, according to long-awaited new draft guidelines published by the central bank on Friday.The new catalogue of eligible projects replaces the previous one published in 2015, and will be open to public consultation until June 12, the People’s Bank of China said in a notice.China has sought to use green financing to pay for its transition to cleaner modes of growth, but the previous catalogue allowed it to be raised for the “clean use of coal”, including coal washing plants that remove impurities, and technologies that cut pollution during combustion.The inclusion of “clean coal” in the 2015 list had put China at odds with global standards, a point of contention for some international investors and many environmental groups.Chinese financial institutions provided billions of yuan in green financing to coal related projects last year, and have also supported other fossil fuel projects, including the expansion of an oil refiner.The new guidelines include projects that help replace coal with cleaner forms of energy for winter heating. Green finance will also be available for renewable energy or carbon capture projects, and for steel mills to pay for mandatory upgrades to their emissions control technology.[David Stanway, Muyu Xu and Andrew Galbraith]More: China excludes clean coal projects from list eligible for green bonds China removes coal-related projects from green bond program
Collections and lending go hand-in-hand. No matter how conservative a credit union’s lending standards may be, there will inevitably be some borrowers that slip into delinquency for various seen or unforeseen reasons. While consumer debt has fallen in the last few years, down 12% between third quarter 2008 and third quarter 2013, according to The Washington Post, that doesn’t exactly mean that the overall delinquencies have diminished. In fact, the way that consumers pay bills has simply evolved. Prior to the Great Recession when Americans found themselves enthralled in a financial emergency, they would prioritize their mortgage and auto loans ahead of credit cards and other unsecured debt, but according to American Banker, in the past five years, this prioritization has shifted. Now, consumers are more likely to pay their credit card obligations first—most likely to ensure they continue to have access to the cash liquidity that credit cards provide.The evolution of consumer payment-behavior is important for collectors to acknowledge and adjust to, particularly with their early-stage collection efforts. The earlier in the delinquency period that a collector is able to contact the borrower and secure a payment, the better. The bottom line is, delinquencies and losses must be kept low, so an effective collection operation is vital. I’ve worked in the collections business for more than 25 years, so I’ve learned quite a bit about what does and doesn’t make a collection operation successful. With that being said, let’s dive right in to my top eight ways to improve the performance of collection operations!8. WorkflowsHaving streamlined workflows are critical to an efficient collection operation. Your team needs to have the tools and training to stay organized, maximize their time, and make as many calls as possible. Likewise, having the right management team in place to lead your team of collectors is also critical. The right management team will provide the training and motivation your team needs to be successful.7. IncentivesThe job of a collector is not an easy one. It involves perpetually dealing with tense and stressful situations, so credit unions should find ways to be creative, both in keeping their employees motivated and keeping losses low. “The one thing I have realized over the years is that EVERYONE likes to be recognized. This is true from a management level, down to each and every employee. The trick is to understand the different nuances of each person and their preference for recognition,” said Mark Hein, CEO of SWBC’s Financial Institution Division. When your collectors are incentivized to perform beyond their paychecks, it motivates them to make more calls and close more deals. Incentives can either be individual-, team-based, or both, and, most importantly, they should be tied to goals. Deploying incentives and finding creative ways to motivate employees are key components of a well-oiled collection operation.6. HiringAs I mentioned above, the job of a collector is no cake-walk. To improve the performance of your operation, it is imperative that you hire the right people for the job and use creative staffing models, including part-time employees. Some of the characteristics to look for in top-notch collectors are:Great listening habitsAbility to overcome objectionsGreat communication tacticsProblem solving abilitiesAbility to balance empathy with getting the job done5. CommunicationOngoing, open communication with your team is critical for a successful collection operation. Your team should know their expectations, receive regular feedback on their performance, and feel comfortable going to their supervisors or managers with challenges that they’re facing so that they can proactively find a solution.4. OutsourcingDepending on the size of your credit union and loan portfolio, outsourcing some or all of your collections work may be a good option. Outsourcing comes with its own unique challenges and benefits, so it’s important to evaluate multiple providers on an apples-to-apples basis, and evaluate them against your own internal staff. The best way to do this is to conduct a champion/challenger test. This, essentially, is a timed comparison between your internal team—the champion, and the company who handles outsourced collections—the challenger. Metrics are established and reviewed within the time period—typically 90 days to six months.Another strategy to evaluate outsource providers is the benchmark strategy. This relies on the ‘expertise’ of the company who handles outsourced collections to work through a file of your delinquent accounts and provide metrics of success. The metrics then become the benchmarks of expectation for your internal staff. This gives you the data that you need to help you determine a cost/benefit between outsourcing versus continuing to handle your collections in-house.3. Reporting and analyticsReporting and analytics are a key component of any business, and a collection operation is no different. Analytics help you determine how your team, technology, and collection models are performing. Accurate performance reports will help you determine where improvements need to be made so that you can make proper adjustments. There are several different types of reports such as daily and month-to-date productivity reports that will give you insights into different aspects of your operation. Effective reporting can build awareness and transparency with your team, and give you accurate information for quarterly and semi-annual reviews.2. TrainingProper training is critical to a successful collection operation. In my experience, an effective call model is:GreetingAvoiding early terminationOvercoming objectionsProblem resolutionClosingThrough classroom and on-the-job experience, your collectors should be trained, ongoing if necessary, on the best call model that will set them up for success. In addition, they should be FDCPA-certified in order to maintain appropriate compliance with the law. These certifications and annual re-certifications of FDCPA knowledge are conducted to ensure that you are consistently compliant.Nesting is the final step in training where the newly hired collectors should sit in an area with a larger management presence to allow them to “nest” for the final week before they make calls independently.1. TechnologyInvesting in modern technology is a critical component of improving your collection operation. An auto dialer is a wise investment in order to effectively manage an in-house collection department. An auto dialer will multiply the number of calls a collector can make on a traditional phone, increasing their productivity by weeding out excessive calls such as busy signals, no answers, and answering machines, only connecting them with live bodies. Some other valuable tools include:Quality assurance toolsQuality assurance tools capture and record all inbound and outbound calls. Quality assurance and leadership teams can then access the tool to pull calls for performance and quality reviews.Workforce management toolsWorkforce management tools allow you to input historical data to make sure that you are hiring and staffing accurately for future work days.Best time to call softwareBest time to call software is, as the name implies, a tool to assist with confirming the best contact times for your portfolio.Monitoring servicesMonitoring services are great for older charge off accounts where you can essentially warehouse them until the monitoring service alerts you of activity which may provide a new means to contact the debtor.Scrub and scoreScrub and score tools allow you to send a portfolio of accounts to a provider who can then scrub and score the accounts to provide you with a recoverability score which can help your team appropriately prioritize your lists.Collections and risk management can be demanding and complex, but they are vital to the success of your credit union, particularly in this post-recession world where consumer payment priorities have shifted. Learn how one of our clients, Rivermark Credit Union, was able to reduce delinquencies and improve right-party contact rates by outsourcing their collections. Click here to download our case study today! 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Daniel Boozer Dan Boozer joined SWBC in January 2010 and is the Vice President of Collections for AutoPilot Services.Prior to working at SWBC, Dan served as the National Manager for Customer … Web: https://www.swbc.com Details
Arsenal have ‘made contact with Reinier Jesus’ father’ over potential move for Brazilian sensation Comment Metro Sport ReporterSunday 17 Nov 2019 6:11 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link2.4kShares Advertisement Reinier Jesus has attracted a lot of attention (Picture: Getty Images)Arsenal have moved to get ahead of the competition in the race for Brazilian teenager Reinier Jesus, who is wanted by a host of Europe’s top clubs.The 17-year-old is fast becoming one of the most sought-after talents in the word games due to his performances for Brazil at youth level and for his club side Flamengo.The midfielder only made his Flamengo debut at the end of July, but already has four goals in 11 Serie A games as he appears to be living up to the hype surrounding him.The likes of Liverpool, Manchester City, Juventus, Real Madrid and Atletico Madrid are all thought to be interested in the teenager, while Everton were also thought to be keen over the summer.AdvertisementAdvertisementADVERTISEMENTHowever, Arsenal appear to have made a move to bring him to the Emirates as representative have spoken to the youngster’s father over a possible transfer.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 CitySpanish publication Mundo Deportivo reports that the Gunners have made their interest clear to Reinier’s dad and hope to persuade him that north London is the best destination for his son.The Brazilian has not spoken of his link with Arsenal, but he has previously expressed his delight that Atletico Madrid have shown an interest in him.‘It’s an honour that Atletico are interested in me because they are a huge club,’ said the young midfielder.‘It’s another honour to know that one of the biggest clubs in the world is watching me.‘But I’m a Flamengo player and my objective is to keep doing a good job here to win many titles in Brazil.’Reinier is under contract at Flamengo until 2020 and has a release clause of around £60m in his deal, a fee which his club would expect to be met by any potential suitor.MORE: Arsene Wenger’s old staff ‘shocked’ by Raul Sanllehi and Edu’s Arsenal changesMORE: Arsenal lining up January move for £43m-rated Pau Torres to solve defensive woes Advertisement
Danish equities have performed strongly relative to other European markets over the last three years, with the OMX Copenhagen index having doubled from around 300 in September 2011 to about 600 now.By comparison, in the same period, the UK’s FTSE All Share index has risen to around 3,600 from about 2,700, and Germany’s DAX index has grown to around 9,300 from 5,200.In other news, Danish labour-market pensions provider Sampension posted a 10.9% return in the January-to-June period for its traditional with-profits pensions, including interest-rate hedging, up from 3.8% the same time a year ago.Unit-link pensions made returns of between 4.6% and 6.9% in the same period, it said. This compares with an average of 3.8% reported for these pensions in the first six months of 2013.Sampension said it had brought costs down further to DKK201 (€26.90) per member from DKK212 in the first six months of 2013.Contributions slipped to DKK3.9bn (€523m) in the period from DKK4.0bn in the year-earlier period.Total assets under management rose to DKK220bn from DKK201bn.In other news, the Danish pension fund for teachers, Lærernes Pension, produced a 7.7% first half return — up from the 0.5% return posted in the same period last year — with Danish equities outperforming the market by generating a 19.2% profit.“The result is partly due to the rising prices of many of the higher-risk investments and partly down to the fall in interest rates in the first half of the year,” Lærernes said, reporting some interim results.The best performing asset class was Danish shares, it said, followed by its long-dated government bonds — most of which are German — which produced 13.3%.Contributions reached DKK2.22bn in the six-month period, bringing the pension fund back on track after the teachers’ lockout which took place in Denmark last spring and led to a marked fall in pension contributions, the fund said.In the first six months of 2013, contributions were just DKK1.93bn. Denmark’s Industriens Pension has posted a first-half return of 6.6% before pension returns tax, up from the 2.5% loss it reported for the same period last year, as domestic shares returned 20%.Bonds also contributed positively to the result in the first half, the labour-market pension fund said, with corporate bonds producing 5.8% and government and mortgage bonds generating 4.6%.Laila Mortensen, chief executive of Industriens Pension said 2014 had been a good year so far, and that the fund was relatively positive about the rest of the year.“Growth prospects still look good, but the unrest in Russia and Ukraine and in many other parts of the world can of course create uncertainty on equities markets,” she said.
USA Today 8 October 2019Family First Comment: “Why would people want to force me to celebrate a wedding that violates my faith? Wouldn’t they want someone able to devote themselves to it? I wouldn’t want to force an atheist to sing at my church on Sunday or a gay graphic designer to create a website promoting my church’s views on marriage. It doesn’t make sense to me.”As I discussed the engagement story of my longtime customer and friend, hugged him and said goodbye, the Supreme Court was the last thing on my mind. Little did I know that conversation in 2013 would lead me to the high court, which I asked to review my case. If it says no, I risk facing financial ruin.That longtime customer was Robert Ingersoll. As a floral designer and owner of Arlene’s Flowers in Richland, Washington, I served Rob for nearly a decade, creating dozens of unique arrangements for Valentine’s Days and other important events. I knew Rob was gay, but that never mattered. I loved working with him.Over the years, Rob’s only request that I couldn’t accept was to create floral designs celebrating his same-sex wedding. Because my Christian faith teaches that marriage is the union of a man and a woman, I cannot take part in celebrating a different understanding of marriage. For me, a wedding is different from an event like Valentine’s Day, because it is a sacred ceremony for a sacred union, and I am so personally involved in celebrating it.I never expected to be suedBut I care for Rob deeply, so I took his hand in mine, gently explained my religious conflict, gave him the names of other floral designers, discussed his engagement, hugged him and said goodbye. Soon after, my state government and the American Civil Liberties Union sued me not only as a business owner but also as an individual.At first, it was hard to accept that my friend — who initially said he understood my decision and recognized that I expressed it as kindly as I could — partnered with the ACLU to sue me. But my faith calls me to love people — not hold a grudge. And I miss seeing Rob. I wish he’d come back so that I could serve him for another decade.READ MORE: https://www.usatoday.com/story/opinion/2019/10/08/supreme-court-florist-gay-marriage-religious-freedom-column/3866964002/Keep up with family issues in NZ. Receive our weekly emails direct to your Inbox.
Share Sharing is caring! Share Tweet Share Ginger-Seasame Meat LoafMeat loaf is a hearty dish that is traditionally made using ground beef. This recipe changes things up a bit, using chicken and an assortment of ingredients like ginger, stir-fry sauce, and lemongrass for a flavor that is distinctly Asian. Pad-thai noodles with green onions make a great side.Nutrition facts * Servings Per Recipe 8 servings * Calories308 * Total Fat (g)8 * Saturated Fat (g)2, * Monounsaturated Fat (g)2, * Polyunsaturated Fat (g)1, * Cholesterol (mg)112, * Sodium (mg)723, * Carbohydrate (g)33, * Total Sugar (g)4, * Fiber (g)3, * Protein (g)24, * Vitamin A (DV%)0, * Vitamin C (DV%)12, * Calcium (DV%)7, * Iron (DV%)11, * Percent Daily Values are based on a 2,000 calorie diet.Ingredients:Nonstick cooking spray2 eggs, lightly beaten1 cup chopped green onion1 cup finely shredded carrot1/4 cup reduced-sodium soy sauce4 cloves garlic, minced2 Tbsp. sesame seeds1 Tbsp. finely chopped lemongrass or 2 tsp. finely shredded lemon peel (optional)1 Tbsp. grated fresh ginger2 tsp. chili powder1-1/2 lb. uncooked ground chicken8 oz. Pad Thai noodles (rice noodles)2/3 cup purchased Pad Thai stir-fry sauce2 Tbsp. chicken brothSliced green onions and/or sesame seeds (optional)Directions:1.Preheat oven to 350F. Lightly coat an 8x4x2-inch loaf pan with cooking spray; set aside. In bowl combine eggs, onions, carrots, soy sauce, garlic, sesame seeds, lemongrass, ginger, and chili powder; add chicken. Mix well. Pat into pan.2.Bake for 60 to 70 minutes or until an instant-read thermometer inserted into center of loaf registers 165F. Let stand 10 minutes before removing from pan.3.Meanwhile, prepare noodles according to package directions; drain. Toss with 1/3 cup of the Pad Thai sauce. Return to pan; heat through. In a small saucepan heat remaining Pad Thai sauce and broth just to boiling. To serve, slice meat loaf; divide noodles among plates; top with meat loaf slices. Drizzle with Pad Thai-broth mixture. Sprinkle with onions and/or sesame seeds. Makes 8 servings.Recipe source: Better Homes & Gardens 23 Views no discussions Food & DiningLifestyle Ginger-Sesame Meat Loaf. by: – July 28, 2011
Dermot Weld took his tally at this year’s Galway Festival to eight with a treble highlighted by Yellow Rosebud’s victory in the Listed Guinness EBF Corrib Fillies Stakes. Press Association The even-money favourite was smartly away in the hands of Pat Smullen and quickly dictated affairs from the front. She was the only one left on the bridle rounding the home turn and powered clear in the straight to score by two and three-quarter lengths from the staying-on Snow Queen. Weld said: “We were pretty confident as she’s a very classy and adaptable filly. We might travel with her, with options in the US.” The master of Rosewell followed up courtesy of 11-4 favourite Treasure The Ridge in the IRFU Charitable Trust Handicap and Dont Tell No One (11-4) in the Guinness Quarter Flat Race. David Marnane’s admirable veteran Maundy Money clinched his third Galway Festival win – five years on from his previous two triumphs – with a comfortable success in the Guinness Time Handicap. The 10-year-old appears to have discovered a new lease of life in recent weeks and was a 5-1 joint-favourite to secure a third successive win. Always travelling powerfully under leading conditional Connor King, Maundy Money claimed the front-running Parkers Mill rounding the home bend and powered further clear in the straight to score by four lengths. Marnane said: “He’s a legend of a horse. We bought him out of Mark Johnston’s yard for £4,500 and he’s won at three Galway Festivals now, two Listowel Festivals and two Killarney Festivals. He’s won 10 races, he’s 10 years of age and he’s as fresh as paint. “I’ve been looking to retire him for about a year and a half now, but while he keeps running good races you can’t. If you had a horse at home that could work with him, you’ve got a fair horse.”
Bangalore: India is to host debut Test match, as it has done thrice in the past for many, for Afganistan this time. Afganistan is the 4th team to play against India, and both clash in the 5-day match in Bengaluru. Afganistan is pepped up to face Ajinkya-led (captain) Indian team. Recent updates goes: India’s batting order has changed with K L Rahul in 3rdno., in place of Cheteshwar Pujara. Vijay has hit 50. Dhwana slips his first wicket-falling catch.
Nigerian track and field coaches and technical officials have vehemently rejected the purported appointment ofÂ SundayÂ Adeleye as the technical director/chairman of the technical sub-committee of the Athletics Federation of Nigeria (AFN).The athletics technical officials yesterday rose from a meeting in Ilorin, the Kwara State capital on the sideline of the on-going 2017 National Youth Games to express anger and disbelief at the leadership of the AFN for appointing an unqualified person as the leader of the engine room of the federation.â€œIt is embarrassing and alarming that our federation can deviate from modern norms and practices in the appointment of somebody to lead and guide all qualified Nigerian coaches and technical officials to announce someone who does not merit the position, someone who lacks the technical know-how and the requisite academic qualification to lead us,â€ the officials wrote in the communique issued after the meeting.â€œAdeleye was appointed as an athletes representative to take charge of the interest of the athletes on the board while we freely elected Brown Ebewele to be our representative and leader on the board,â€ the communique further read.The officials also restated their confidence in Ebewele to guide them through as their elected leader.Meanwhile, President of Nigerian Coaches Association, Gabriel Okon, stressed that theÂ Â position of a technical committee chairman/technical director is for an individual who has a rich background in coaching and officiating matters.â€œAdeleye is neither a coach nor a technical official. Coaches are certified by both the National Institute for Sports in Nigeria and by the International Association of Athletics Federations (IAAF) while officiating officials also go through their training before they can be certified by the federation in conjunction with the IAAF. So you want to bring somebody who does not know what coaching entails and has never attempted any officiating course to come and lead us? Tell me, what will he be telling us? It is like telling a primary school pupil to lead a group of students comprising secondary school and university undergraduates,â€ queried the former Olympian.Some of the coaches and technical officials at the meeting include; former Nigeria 100m record holder, Seun Ogunkoya who is a coach in the employment of Ondo State, Hulda Nkwocha from Federal Capital Territory, Adamu Musa (Kebbi State), Ochoma Ephraim (Enugu State), Awe Adeniyi (Kwara State) and former Nigeria javelin champion, Pius Bazighe (Bayelsa State).Â Â Â Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram