Credit union membership growth reaches record high –3 ways to build on this success

first_img 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Dearing John Dearing is a managing director at Capstone, a leading advisory firm focused on helping credit unions and CUSOs grow through proactive strategic growth programs and mergers and acquisitions. He … Web: www.CapstoneStrategic.com Details Credit unions continue adding members at a record pace. Membership grew by a record-high 4.5% as of end-2018 (up from 4.1% in 2017), fueled by strong U.S. economic performance, an optimistic outlook on the U.S. economy, low unemployment rates, and high levels of consumption. With 116.2 million members across all 5,375 federally-insured credit unions in business nationwide, credit unions of all sizes are experiencing rapid membership growth. Since 2008, overall membership has increased by 31%, hitting an all-time high in 2018. And while credit unions with less than $100 million in assets still struggle to gain market presence, positive member growth was recorded in all asset bands and across all regions, with the top 50 credit unions averaging the highest member growth (7.49%) across the spectrum. What does this mean for credit unions today? Credit unions should leverage this opportunity by positioning themselves as leaders in the industry, able to respond quickly to their members needs and address market opportunities and changing economic conditions as they happen. As member growth accelerates, here are three ways to attract new members and retain your current membership base. 1. Focus on Share Draft AccountsOver the past 10 years, roughly 28 million consumers have chosen to use a credit union as their primary financial institution, underscoring the industry’s attractiveness. As new members seek to expand and solidify their relationships with their credit union, positive net member growth fuels product penetration. With penetration rates at an all-time high and share draft penetration leading the pack at 57.6% for 2018, credit unions should continue offering free and rewards checking accounts By offering members flexible and competitive share draft accounts, credit unions can boost members’ confidence and increase demand for other products. 2. Deepen EngagementFurthermore, as the credit union industry continues to add members, this upward trajectory is characterized by strong indicators of deepening engagement. The national average member relationship (AMR) reached $18,775 as of end-2018, a 2.5% year-over-year increase. With AMR as a key measure of member engagement, credit unions use this powerful tool as a driver of success and determinant of how well they’re doing with the member-owners they already serve. Overall, positive membership growth has driven strong financial results and fueled relationship opportunities across the credit union industry as people are increasingly seeing the value in member-owned financial institutions. 3. Invest in PartnershipsPartnerships, strategic acquisitions and investing in CUSOs are ways for credit unions to rapidly address the needs of their growing membership base by bringing in new technologies and innovation solutions for members. These technologies also help credit unions quickly scale up back office so routine services for many members can be processed efficiently, freeing up time for credit unions to focus on engagement and member experience. Examples of proactive partnerships in the credit union world include PenFed purchasing an advertising agency, CUNA mutual snapping up fintech Mirador, Trellance purchasing big data CUSO OnApproach and most recently CULedger partnering with IBM to build a blockchain consortium. By continuing to invest and partner, credit unions can offer new technology, new services and build efficient systems so they can boost liquidity, while attracting new members, and deepening relationships with their current membership base.last_img read more

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5 critical economic trends for financial marketers

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » f you like change, life as a financial marketer in the “new normal” is going to make you very happy. Here is just a sampling of what banks and credit unions must now watch out for now as coronavirus thinking becomes built into everything in the period here … and ahead.1. How Consumers Are Coping with COVID Recession’s Impact and StressOne of the key elements of the “American Dream” is homeownership, which typically means a mortgage. Over half of mortgage borrowers have had a drop in income, according to a July poll by LendingTree. One in five mortgage borrowers have missed a mortgage payment since March, the company also reported.A TransUnion pulse research study found that by July consumers who say they have been impacted by the COVID recession estimate they have, on average, just short of six weeks before they can’t pay all of their bills. Multiple reports have noted that, increasingly, layoffs are becoming terminations and furloughs are going longer.last_img read more

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Helping your members through the crisis with credit line increases

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » The pandemic has impacted American financial consumers in painful and unexpected ways. As COVID-19 continues to spread across the country with no end in sight, workers are struggling to maintain their income in the face of layoffs and furloughs. Even among those that have maintained employment, many face pay cuts and a partial loss of income. It’s no wonder 47% of Americans are carrying more credit card debt during the crisis.More worrisome, tens of millions of unemployed workers are facing a potential “income cliff” as the federal pandemic unemployment insurance program is scheduled to end in a matter of days. (At the time of this writing, Congress was negotiating the next pandemic relief package, which may include an extension of unemployment benefits.)Yet, despite these perils confronting many American financial consumers, several major card issuers including, Discover, Wells Fargo, and Synchrony Bank have signaled they would slash credit lines to limit card losses and protect their institutions and shareholders.Like adding salt to the wound, a credit line reduction hurts the cardholder in several ways:last_img read more

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Freeport Crash Leaves Bicyclist Dead

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A male bicyclist was fatally hit by a car while he was crossing a road in Freeport over the weekend.Nassau County police said an 88-year-old man was driving a Lincoln MKZ eastbound on Sunrise Highway when he struck the victim near the corner of Benson Place at 8:12 p.m. Saturday.The victim was taken to a local hospital where he was later pronounced dead. His identity was not immediately available.Homicide Squad detectives are continuing their investigation into the crash, which was deemed not to be criminal. The driver was not charged.last_img read more

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Nedo Pinezić: Venice and value for money

first_imgAfter Mass coffee, panettone and socializing until lunch. Holiday lunch, family gathered around the table. Despite the unpleasant surprise – the oven broke down, the female part of the family managed and prepared an excellent holiday feast. After lunch some on a little break, some on a walk with the dogs, and in the evening a party with a song and a joke. It’s Christmas. After Tuscany, Lake Garda, we decided to celebrate another Christmas in Italy. The choice fell on the surroundings of Venice, just over two hours away from Rijeka. According to a good, old custom, we decided to rent a house. This time we need accommodation for nine people and three dogs. VENICE TONE, POPULATION EMIGRATES EXCURSION TO VENICE Venice’s past is reflected in the richness of artistic, cultural and historical monuments. Along the Grand Canal are representative buildings: Palazzo Vendramin Calergi (99th century), Palazzo Pesaro (1912th-1894th centuries), Ca ‘d’Oro (1932th century), Ca’ Foscari (1987th century). , Palazzo Dario (XNUMXth century), Fondaco dei Turchi (XNUMXth century), Fondaco dei Tedeschi (representation of German merchants from the XNUMXth century), Palazzo dei Camerlenghi (former XNUMXth century customs administration), Dogana da mar (XNUMXth century maritime customs house), Church of Santa Maria della Salute (late XNUMXth century), Accademia di Belle Arti. Numerous bridges stand out, especially the Ponte di Rialto (XNUMXth century). In the western part there are the churches of Santa Maria Gloriosa dei Frari (XIII-XV centuries) and San Rocco (XV-XVIII centuries), and in the northeastern part there are the churches of Santi Giovanni e Paolo, built in the XIII-XIV centuries. On the Square of St. St. Mark’s (Piazza San Marco) are the Procuratie Vecchie (XNUMXth century), the Procuratie Nuove (XNUMXth century), the church of St. Marka (Basilica di San Marco from the XNUMXth century, restored in the XNUMXth century) and Campanile, a XNUMX m high bell tower (restored in the old style in XNUMX), at the foot of which are Loggeta (XNUMXth century), Torre dell’Orologio (XNUMXth century), etc. Next to the church of St. The doge’s mark is the palace (Palazzo Ducale), built from the XIV. to the XNUMXth century, which the Ponte dei Sospiri bridge connects with the old dungeons and the old library (Libreria Vecchia from the XNUMXth century). In this old cultural center are the Museo del Risorgimento, Pinacoteca Querini Stampalia, Museo Correr and natural, maritime (in the Arsenal building) and other museums, the Faculty of Economics and Trade, various scientific institutes, etc. Venice is known for international events of modern painting , music and films, and many other events and exhibitions of national and international importance, among which the Art Biennale (since XNUMX) and the Film Festival (founded in XNUMX) stand out. Marco Polo International Airport. Venice has been (with a lagoon) since XNUMX on the UNESCO World Heritage List. ” THE ECONOMY OF VENICE We came to Venice, to the square of St. Brand. Not drinking coffee on the terrace of some of the cult cafes is the same as “coming to Rome and not seeing the Pope”. We chose “Caffe Chioggia”, across from the Doge’s Palace, overlooking the Grand Canal. Espresso served in occasional cups is served by “Mr. Waiter” in uniform as a general at a ceremonial parade. That moment torn from everyday “clothing” costs 5 euros. And worth every penny! The city center developed on a small densely packed island group; 118 islets are separated from each other by canals (main roads) and connected by bridges (about 435). Due to the clayey composition of the islet, Venice was built on foundations of wooden logs that were driven deep (up to 9 m) into the soft ground. Hydrotechnical works, especially by diverting river flows (Brenta, Sile, Piave), have preserved the lagoon from backfilling. Sister-in-law Dolores managed to find a secluded house that meets all our wishes near the town of Mogliano Veneto. From the house to the train station in MV we drive 10 minutes and then by train to the center of Venice 20 minutes. It is the best way to tour Venice. We arrived at the estate in Scorse. The old house, overgrown with ivy with moss on the roof at first glance seems abandoned. Yet the smoke from the makeshift chimney confirms that we are at the right address. We were greeted by the owner Stefania and led through our new one temporary home. LAND CONNECTION, RAILWAY AND TOURISM Looking from the side of all the good and bad sides of the management of Venice, I can’t help but get the impression that the introduction of tickets to enter the old core can ultimately produce a new “money laundering” affair. Big money will flow directly into the city coffers, and the city administration will once again be under pressure from interest groups looking to grab their booty. At the same time, the desire to come to the most famous historical city in the world will continue to grow. Especially with the growing Far Eastern tourism market. With 34 platforms, the railway lines depart every few minutes “to all parts of the world”. When you consider the highway, the main airport “Marco Polo”, the nearby, smaller Treviso, as well as a very busy shipping port, Venezia is one of the best connected cities in Europe. On the other hand, navigating the historic core is difficult. From the railway station and parking terminal to Sv. Marco runs narrow winding streets where two people can barely pass. The walk takes about half an hour. An alternative mode of transport is the “water bus”, “vaporetto”. Lines are frequent, you can buy a daily ticket, or a ticket valid for up to 72 hours. A one-way ticket that includes one suitcase costs 7,5 euros per person. It is also possible to combine the tour on foot and by boat. Now, I’m really surprised by modern “scribes” who advocate a reduction in tourist arrivals due to the crowds. SUGAR ON THE END A good geographical position with a fertile hinterland and open traffic routes “to all parts of the world”, favored the development of trade, shipping and the continuation of the expansionist policy of the Roman Empire towards the Adriatic. The conquest of supremacy at sea with well-secured routes, the rule of coastal and island communities, ensured the growth and development of Venice to the size of a world power. At one time, Venice, in the then known world, represented what the USA represents today, and according to the rivalry on the other side, Turkey represented a kind of today’s China. 13.5. In 1797, with the conquest of Venice by Napoleon, the Republic of Venice was abolished. After 1.000 years of existence, one of the most powerful Mediterranean states has disappeared. “Venice (Italian Venezia [vene’cia], Croatian historical name Mleci), a city and port on the Adriatic coast, the administrative center of the province of the same name in the Veneto region, northeastern Italy; 261 362 pp. (2011). In the old town (Centro storico) lives 58 215 inhabitants, and in the newer part of Venice on the mainland (Terraferma) 181 494 centuries. Venice lies within the vast lagoon of the same name (58 660 ha). The Venetian urban agglomeration encompasses the old island part with Lida and Mestre on the northwest mainland coast of the lagoon with large port and industrial zones in nearby Marghera. VENICE – NEW “ATLANTIS”? When you see how Venice copes with frequent floods, you come to the conclusion that there is no salvation for it. I would already say that the bars on the ground floor are doomed and that it would be best to raise the level of the streets in such a way that the first floor becomes the ground floor. This will probably happen by force of circumstances. “MOSES” AFFAIR But at first glance, the disproportion between the huge inflow of money into the city and the miserable investment in maintaining the city is visible. The communal infrastructure seems rather neglected. The buildings are crumbling in plain sight and where restoration has begun, it lasts, it seems, indefinitely. This impression of “begging” money got its “grand finale” in the embezzlement and fraud of the century, due to which the city fathers are under investigation. EXCURSION TO CHIOGGI Venezia, Serenissima, Venetian Republic je is the name of a city and region that instills respect. So much has been deposited throughout the long and turbulent history of Venice that, in fact, it is very difficult to write anything about it. Especially after one short and completely informal visit. Therefore, for an introduction, I will quote a text from the pages of the Croatian Encyclopedia: Four rooms share two bathrooms with toilets, with one when not exactly suitable for showering. The house is heated by gas central heating in addition to a large living room in which a small wood stove is in charge of maintaining heat. Unfortunately the internet is “broken” but we have a table tennis table. Either way, the house is being promoted as a villa and has its audience even in these cold and humid days. After two days, our house somehow “sat” and we spent wonderful moments in it. How could he not when the family is together. Grandfather, grandmother, their two daughters with families and pets. A real “family reunion”. At the beginning of the 1917th century, Venice’s economy sought to strengthen by building a new port (founded in 1958) and large industrial plants on the low land coast (Porto Marghera-Mestre). Along with the port industrial complex with chemical, refinery and metallurgical industries, the mainland part of the Venetian agglomeration is expanding. In it, the number of inhabitants is growing in contrast to the old part of the island, where the population is constantly declining (in the period 68-40 more than 000 centuries left the picturesque city center where about 60% of apartments are uncomfortable to live). In 2002–07. the population of Venice decreased by 0,2% per year. – Venice is one of the leading port centers in the country; total freight traffic in 2011 was 25,4 million tons of cargo and 2 million passengers. It is connected to Central Europe by railways and roads across the Po Valley and the Eastern Alpine passes (Brenner et al.). A significant part of the active population is engaged in port activities, mainly in Marghera, which has 8 times the capacity of the port in the old town. One third of the active population works in tourism (about 2 million tourists a year). However the rating is improved by our privacy, comfort, good entertainment, excellent infrastructure of the environment, the wealth of content in the immediate vicinity. Everything counts. The final rating is positive in terms of value for money. CHRISTMAS MOOD TICKETS – NEW “MOSES”?center_img Full of impressions, positive emotions, in the company of the inevitable panettone boxes and with the occasional fashion accessory, we return home with the promise to Venice that we will see each other again soon. Perhaps already at the time of the famous Venice Carnival. Also known as “Piccola Venezia”, ​​Chioggia is located on the island of the same name and another, Sottomarina. The historic core can be reached, as in Venice, by an embankment and a bridge. Already at the entrance to the city, its orientation towards seafaring and especially fishing is visible. They say that there are more registered fishing boats and boats in Chioggia than in the entire Croatian Adriatic. It is known that “Ćozoti” sailed to Krk, just like fishermen. Their descendants still live in the town of Krk. You can learn more about Chioggia at this one link. What is visible in the historic center of Chioggie is a trace of gradual decay. The ground is sinking and the sea is rising, so floods are becoming more frequent. Traces of sea and salt up to a height of half a meter are visible on each building. Some houses are already well “corroded” by moisture and abandoned, some offered for sale „ From 2002 to 2015, the grandiosely announced “Venice Rescue” project amassed millions of euros that ended up in private accounts around the world. Instead of saving dams to defend Venice from floods, “Moses” “sunk” the hope for the success of the project. More than 100 individuals were behind bars, including regional ministers and the mayor of Venice. Part of that money also flowed into Croatia through the purchase and sale of real estate in conjunction with a bank. The corrupt government did not care about the fate of Venice, but individuals appropriated money for their personal “salvation”. When we compare the price of renting a house (250,00 euros / day + tourist tax 1 euro per person per day) with the shortcomings, we could give a slightly less favorable assessment. The same applies to the domestic relationship, which is far from the well-known and recognized Croatian hospitality. Finally, Croatian hosts of family accommodation have a higher average guest rating on Booking com than Italian ones. Author: Nedo Pinezić, www.nedopinezic.com / Cover photo: wiggijo, Pixabay.com In any case, the least problem for Venice is “overtourism”. Soil deterioration caused by the depletion of underground drinking water wells, rising sea levels combined with corrupt and inefficient government are accelerating the collapse of the city on the island. Tourism, whatever it may be, will always be “overtourism” from the perspective of the unsuitability of space for today’s standard of living. Any increase in the number of people makes life even more difficult on the one hand. On the other hand, tourist traffic is the only thing that still keeps the old town alive. HISTORY OF VENICE Peace, quiet, family gatherings and socializing prevail over noisy outdoor parties. For some uninteresting, boring but for a commitment to true values, the right environment. Christmas Mass in the local church extremely well attended, the sermon of the pastor of the right Christmas, full of messages of peace, tolerance, love, self-giving. The atmosphere is cheerful, the song is led by young people. After Mass the pastor joins the crowd, Merry Christmas. We soon meet him in one of the best local pasticceria. The island core of the city is endangered by the constant lowering of the bottom of the Adriatic Sea in the Venetian region and the positive shift of sea level. According to some measurements, in a period of 5 years Venice sinks 2,5 cm. Interventions related to the development of industrial and port function also contributed to the sinking (in recent years all wells exploiting groundwater were closed, which resulted in subsidence; today water for industrial needs is delivered by aqueduct from the river Sila to Marghera). Occasional floods for tides (i.e. high waters) (sometimes intensified by the south accumulating water in the northern Adriatic) are becoming more frequent. In the period 1867–1967, out of 58 floods, 30 were in the last decade. After the catastrophic flood in November 1966, an attempt was made by international forces (UNESCO) to save the historic center of Venice. Ecological remediation of the lagoon is underway; around 1970, further construction of industrial zones in its mainland coastal area was suspended. In 2003, the MOSE (Modulo Sperimentale Elettromeccanico) project was launched to defend the city from a tidal wave higher than 110 cm. It plans to build 79 pontoons that would lie at the bottom of the sea. If necessary, they would fill with air and, like a floating wall, prevent the tide from entering the city. The city will sink, residents will leave, and tourists will follow the tides to visit Venice “while it is still possible”. But it is not just Venice that is in danger. The whole marginal coastal belt, the whole lagoon has the same problem. The construction of new port – infrastructure and industrial facilities on the coastline is already prohibited. The weight of the buildings further accelerates the deterioration of the soil. THICK ARE THICK THE SMELL OF VENICE No one can stay hungry or thirsty, but also without some appropriate souvenir, fashion detail. In any case, Venice is “calling” for a return. We’ll dedicate more time to her next time. For a half day trip to Venice we chose a train trip. From our rustic house we drove 10 minutes by car to the car park at the train station in Mogliano Veneto. A parking ticket costs 6 euros for half a day. A train ticket for a twenty-minute one-way ride costs 2,70 euros per person and 1,90 euros for a dog. The ride is pleasant. Venice St. Lucia is the central station of Venice. By the middle of the XIX. century Venice included only the islands within the lagoon. In 1846, the island area was connected to the mainland by a 3601 m long embankment, on which, in addition to the railway, a road was built. On the natural sand embankment of Lido, which closes the lagoon towards the open sea, it began in the late XIX. century, in connection with the rapid development of tourism, the construction of a new city district; hotels were built, green areas were arranged and Lido soon became one of the most famous European resorts and seaside resorts. Already at the entrance the familiar smell of moisture. It is the scent of Venice. The smell of life in the swamp. The old farm seems quite vague in our Croatian terms. In fact, according to our criteria, the house would hardly get a decision on categorization. Stars would certainly be a problem. Floors, walls, ceiling are basically maintained, electrical installations are stretched over the beams and walls above the plaster. The toilets and equipment are a few years old, the kitchen too. Everything seems old, however everything is clean. Bathrooms and rooms separately. The bedding is fragrant, the beds age. An interesting walk through Chioggio and a tour of historic buildings, hundreds of boats Mala “Little Venice” would be even more interesting at another time of year and earlier in the morning, when the fish market (temporarily housed in a tent to renovate the original building) is more picturesque than we are. we found. If you want to learn more about the historical origins, era of power and fall of Venice, I recommend the following link. In short, Venice arose as a refuge for the refugees of the Roman Empire from the onslaught of barbarians from the north. The swampy ground of the lagoon provided excellent shelter, an impregnable fortress, for people skilled in navigating through numerous canals. VENICE DOES NOT FAIL BECAUSE OF “OVERTOURISM” GREAT WEALTH OF CULTURAL HISTORICAL AND ARTISTIC HERITAGE VALUE FOR MONEY The same goes for ice cream in a nearby “boutique ice cream parlor”. “Kugletina” costs the same as in Croatia in prestigious locations and the taste is divine. As everywhere in the world and in Venice, you can find an offer that suits your possibilities next to each other. “Fast” food, “sharper”, gourmet restaurants, “private accommodation” with two stars, small hotels, five-star hotels… live in coexistence next to each other, attracting their audience. How much do arrivals have to be reduced to avoid crowds? Already 100 people together create a crowd as the same number of people on the same streets create a crowd in the historic center of Krk, Vrbnik, Sibenik, Rovinj, Dubrovnik… In Venice, the problem is bigger because it is intersected by canals, so all pedestrians are forced to follow the same route to one of the many bridges where other directions can then be chosen. However, only two directions are marked, two routes, the shortest ones. There are certainly opportunities to discover new content and establish new routes, which would disperse traffic in the main directions. One of the three basic needs of traveling is shopping. It is just as important to women as the first two, but we men do not hate shopping. Especially if we “treat” ourselves to some desired item of clothing. Disagner Outlet Noventa di Piave near Venice, is an unavoidable “stop” on the way to Croatia. Well designed, with facilities for children, good catering facilities and of course the offer of quality brands, it is extremely well attended. Especially at this time of year when serious discounts on already reduced prices begin. It is a mitigating circumstance that dogs can go almost anywhere with their owners, they are also welcome in the restaurant. This makes Italy one of the most desirable “pet friendly” destinations.last_img read more

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Catholic churches across Rome shut due to virus

first_imgThe Vatican on Thursday closed all Catholic churches across Rome to stem the spread of a coronavirus pandemic that has killed more than 1,000 people across Italy.The papal vicar for Rome said the churches would reopen when a broader Italian government crackdown on public gatherings expires on April 3.”The faithful are consequently exempt from their obligation to fulfil the festive precept,” a statement from Cardinal Angelo De Donatis said. It was not immediately clear when Rome’s churches had last been forced to close en masse.The Nazis and Italian Fascists kept Pope Pius XII confined to the Vatican during World War II.But at least some Rome churches kept their doors open during the war. ‘Domestic churches’ The closures come with the pope himself suffering from a cold and communicating with the faithful by livestream as a safety precaution.Pope Francis complained of feeling “caged” while reading his traditional Sunday Angelus Prayer into a camera from a Vatican library instead of his usual window overlooking crowds on Saint Peter’s Square.The 83-year-old was also forced to miss his weekly Wednesday appearance on the square that he often uses to hug and shake hands with fans and followers from across the world.The new regulations cover the Italian capital and not the Vatican City statelet located entirely within Rome.The Holy See has recorded one COVID-19 infection and is awaiting the results of another person who attended one of its functions at the start of the month.The Vatican statement said access to “churches of the Diocese of Rome open to the public — and more generally to religious buildings of any kind open to the public — is forbidden to all the faithful”.The statement added that monasteries would remain open to “communities that habitually use them as residents”.”This provision is for the common good,” De Donatis wrote.The Italian government on Wednesday announced a comprehensive crackdown that shuttered all retail stores except for pharmacies and groceries.De Donatis said he was finally moved to close Roman churches by “the even more binding restrictions placed on the ordinary movement of people” on Wednesday.”At this time, even more than ever, our houses are domestic churches,” the Rome cardinal wrote.Topics : The Vatican had spent days resisting having to take the drastic measure of shuttering places of worship in the overwhelmingly Catholic country.It closed its museums and even the Saint Paul Basilica — parts of its soaring dome designed by Michelangelo — to tourists as the death toll continued to mount.The Vatican also banned mass across the country and called off all weddings and funerals.But the churches themselves stayed open as long as the faithful followed government regulations and remained a metre (three feet) apart while inside.last_img read more

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Top 5 things that drive women crazy

first_img Share Tweet How many times have you heard a woman say, “Can’t live with ‘em, can’t live without ‘em!” when it comes to men? Ten? Twenty? A thousand times? No matter how much women love men (and vice versa, of course), they drive them crazy sometimes! Here are the top five things that make gals bonkers when it comes to guys.1. Trying to “fix” things instead of listening. The terrific show Modern Family addressed this common point of contention between the sexes when Phil Dunphy went to the spa and his wife Claire called him with a problem. He tried to fix it, but fortunately, the spa ladies set him straight. All she really needed (and wanted) was a sympathetic ear and some recognition for all the things that she did for her family.There are no shortcuts when it comes to being a good listener — and women can tell the difference if a man is faking it. If you’re a man who wants to be a better listener, try maintaining eye contact, reframing what she’s said to make sure you understand it, and uttering affirming statements, such as: “That must’ve been really hard,” “It sounds like you handled it very well,” or asking, “Is there anything I can do to help?” What should you do if your partner is a perennial “fixer” instead of simply listening to you? Chances are, you’ve already tried to explain why his fixation on fixing things doesn’t work for you. The next step might be to remind yourself that, despite this annoying habit, your man isn’t all bad. When it comes to dealing with his shortcomings, “the key is to focus on what you like about the person, not what you don’t like,” counsels Marc Muchnick, Ph.D., author of No More Regrets! 30 Ways to Greater Happiness and Meaning in Your Life. “What about this person is unique and special? The answers should help minimize the [impact of] annoying behaviors.”2. Behaving in a way that could be perceived as lazy or indecisive. “Women are made crazy by men that don’t ‘man up,’” says Marni Battista, expert dating coach and founder of DatingWithDignity.com. “From saying they will call and not following through to texting instead of picking up the phone to make a date, women are learning that it is less common to find a man who embodies chivalry and good, old-fashioned alpha male energy.” Women hate it when men are lazy with maintaining their personal appearance, forgetful about making plans, or avoid making decisions. And they particularly dislike it when men are emotionally passive by saying things like “I’m sorry you feel that way” instead of really apologizing when it’s called for during an argument. Ask yourself: Do I take the path of least resistance when it comes to dealing with women and with my life? If the answer is “yes,” chances are good you’re guilty of this one. Try a little harder to impress her and make her feel valued, and you might be surprised at how much happier and more fulfilling your relationship becomes. And if you’re a lady who’s dealing with a lazy dude? Pick your battles wisely. You’re not going to turn a hoodie-wearing Xbox addict into James Bond overnight. By being clear about what you expect (and by asking for realistic things, like the occasional fancy date night), you’ll see some progress. If you don’t, tell your man-child to take a hike.3. Not paying attention to her feelings. Women are emotional beings. They notice things — like stand-offish body language or the time a guy paid more attention to other women on their date — and they don’t like it. Why do men sometimes act so callously? “These [behaviors] persist because people don’t work on dealing with their issues as much as they should, and they simply leave a relationship when they’re frustrated, even though the same problems often rear their heads in the next relationship,” says Dr. Seth Meyers, a Los Angeles-based psychologist and author of Dr. Seth’s Love Prescription. In a society rich with dating options, men might think they can get away with unkind behavior; it’s up to women to tell them that they can’t. “If he drives you crazy because he’s inconsistent, uses language that puts down women, is secretive about himself after months of dating, or prefers his time alone over time with you, you’re probably better off moving on,” advises Linda R. Young, Ph.D., a psychologist and relationship coach who blogs for Psychology Today. 4. Paying too much attention to technology toys. We get it; smartphones and their attendant text messages, Twitter feeds and Facebook status updates are fascinating. But when a man spends more time looking a tiny screen instead of the face that’s right in front of him, there’s a problem. “Tell your partner what effect his behavior has on you and be specific about what you want to see [him doing] instead,” says Young. “For example: ‘When you keep texting other people while we’re having dinner, it sends the message to me that I am not your priority when we’re out together. I understand your needing to stay in touch at work during off-hours, but I think not using the phone while we’re eating dinner (barring emergency calls) is reasonable. What do you think is reasonable?’”5. Taking her for granted. A good relationship is not one in which the male half is spending most of his free time with his buddies in dives, playing video games or watching sports. If this is how you’d prefer to spend all your time, why even bother having a girlfriend? Obviously, women need to give their partners space to socialize outside of their relationship, but the key is finding a good balance. Communicate with your partner about what she feels is reasonable when it comes to deciding how you’ll both spend your time. If her expectations are completely different than yours about the amount of quality time she requires, you may not be a good match. “Overall, for a relationship to work long-term, your partner’s personality has to be one that yours meshes smoothly with,” explains Meyers. It’s the same with setting expectations.By Laura SchaeferYAHOO Dating Tips and Advice Sharing is caring! LifestyleRelationships Top 5 things that drive women crazy by: – April 26, 2012center_img Share 140 Views   no discussions Sharelast_img read more

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Purdue Recruits

first_imgIf you don’t believe going deep in the NCAA Tournament doesn’t help recruiting, then you have not followed what is taking place at Purdue University.  Matt Painter does not like McDonald’s All-Americans because they are usually “one and done” players; however, he likes to get players just below that level because they tend to stay at least 3, if not 4, years.This coming year he has red-shirt freshman Emmanuel Dowuona, a 6’10” center who went to high school in Georgia, and 3 more incoming freshmen.  They are:  Isiah Thompson of Zionsville who is a 6′ guard, Mason Gillis of New Castle, a 6’7″ small forward, and Brandon Newman, a 6’4″ shooting guard from Valporaiso.  You will notice that 3 of the 4 recruits are from Indiana and they are all on Indiana’s All-Star basketball team.They also have an inside track on getting Ebenezer Dowuona, brother of Boiler Emmanuel mentioned above.  Another possibility is LJ Cryer of Katy, Texas (Carson Edwards territory), and 2 more Indiana prospects–Trey Galloway of Culver Academy and Jaden Ivey of Mishawaka Marian.Winning late in the year definitely has its advantages.last_img read more

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Kiss wary of England forward threat

first_img Ireland assistant coach Kiss admitted both teams will have seriously considered digressing from their obvious tight driving game strengths in Saturday’s RBS 6 Nations clash at Twickenham. Forwards coach John Plumtree has whipped Ireland’s maul into devastating shape, under the ever-watchful eye of meticulous boss Joe Schmidt. “We certainly know that we have a lot more improvement in the maul, but we have worked hard to make it a real strength,” said Kiss. “And if there’s a game where we’ll find out if it is a strength it’s this one. “So there may be some variation from it from both teams, but I do think they are going to lock horns at some stage. “And it’s going to be a true forward battle that possibly determines what else happens around the field. “We’re set for that, and I’m pretty sure by the way that they’re set for it as well.” David Wilson has replaced Dan Cole at tighthead prop, the Bath front-rower still recovering from calf trouble himself. England freely admit Wilson will not last the course, with Sale’s international-level rookie Henry Thomas primed for action from the bench. Kiss warned Ireland not to expect to benefit from England’s injury issues purely as a matter of course, however. “Without a doubt losing Dan Cole is a blow but Wilson has a lot of international experience, and he scrummed well last week for Bath against Exeter,” said Kiss. “The danger for us is to take our eye off the ball there, and think that it will come easy to us – it won’t. “I don’t think any part of the game will come easy to us. “We expect the typical ferocious onslaught from an English forward pack, and the fact that they have had some changes there is something we’re not taking our eye off. “It’s not just about the scrum, their maul’s become a powerful weapon that if it’s structured well early it’s a hard thing to stop. “So you want to try to take away those opportunities as well. “And if we just get locked in the scrum and the fact that Dan Cole’s not there then we’re not doing our job properly. “There are other areas of the game where the English forward pack can hurt you and Dave Wilson can hurt you, we know that: we’ve seen it. “We’ve done the analysis on him and we’re very aware that we’ve got to be prepared ourselves in that area.” Press Association England’s “ferocious” forward pack will provide a genuine acid test for Ireland’s revamped driving maul, according to coach Les Kiss. England’s driving play has blossomed under Graham Rowntree, with Kiss expecting the two power games to collide in spectacular fashion in west London this weekend. While Kiss admits there will be thoughts in both camps of bluff and double bluff in favour of abandoning the maul for wide play, he said at some stage both teams will doubtless launch their driving tactics. “There is a chance both teams might think ‘let’s attack it a bit differently’, then fake to the maul and go elsewhere,” said Kiss. “Both teams are probably thinking about that as a strategy, but I think there is a part of this game, particularly at Twickenham, where I know England would like to draw a line in that sand in that area.” Elements of the beefed-up English and Irish mauls are noticeably similar, with the common denominator likely to be Paul O’Connell. The Ireland captain proved a vital pivot in the British and Irish Lions’ maul in Australia last summer, where Rowntree was forwards coach. Former Leicester Tigers prop Rowntree has no doubt helped England benefit from that exchange of information. And Kiss knows just how tough a challenge it will be for Ireland to exert any kind of dominance in Saturday’s tight exchanges. last_img read more

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