19SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr A recent study found the number of North American consumers who know they can use their phones as payments devices rose nearly 10 percentage points to 52 percent in 2015. Despite this jump, actual mobile-payment usage grew by just 1 percent in the same time period.According to the study, sluggish retail implementation of mobile-ready point-of-sale (POS) terminals and the familiarity of plastic are two contributing factors to the pace of adoption. However, a missing loyalty component may be another reason the majority of consumers continue to choose swipe over tap.The “2015 North America Consumer Digital Payments Survey,” which polled 4,000 smartphone users in the U.S. and Canada, found higher wage earners are the most-avid adopters of mobile payments technology. Thirty-eight percent of smartphone owners with a minimum household income of $150,000 use their phones to make payments at merchant locations at least weekly. This consumer group’s tendency to patronize establishments that are ahead of the payments-evolution curve may contribute to their frequent mobile payment usage.Even for high wage earners, discounts are a powerful incentive. In fact, more than 75 percent of those consumers currently making mobile payments would use the services even more regularly if they were offered discounted pricing, coupons or reward points. Additionally, more than half of non-users would be encouraged to adopt mobile payments if they were offered the same benefits. A similar survey found 47 percent of those polled would use a mobile payment app if it were offered by their FI. continue reading »
115SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details The search for your first home can be stressful. Finding the right one is no cakewalk. You look at dozens of houses and neighborhoods, trying to find the perfect fit. And that’s only half the battle. There’s so much to do besides finding the house, and it can make you go crazy. If you’re looking to buy your first home, here are some tips to help you through the process.Have a good grasp on your credit: Your credit score is of the upmost importance when trying to buy your first home. It can drastically effect your interest rate and even prevent you from getting the loan altogether. Make sure you credit is in good shape before you start the journey to purchasing your first home.Figure out how much home you can afford: Imagining yourself in the empty mansion across town is fun, but let’s be realistic. Look at your budget, find out how much extra money you have at the end of each month (add your rent to this total) and you’ll have a good idea of what kind of mortgage payment you can handle. If you’re going from an apartment to your new house, remember to factor in the difference in utilities, taxes, insurance and any unexpected expenses that could pop up along the way.Sort out the needs and wants: It’s good to make a list of the things you NEED to have in your new house, and the things you WANT to have in your new house. When buying your first home, it’s important to remember that you’re not necessarily buying your dream home. You can definitely find a home that meets a lot of the criteria on your checklist, but know you may have to give up a few of your wants in order to find a home that’s affordable for you right now.Find the right realtor: Your realtor’s job is to help you out on this nerve-wracking journey and make the process as easy for you as they can. Pick a realtor who makes you feel comfortable and knows what they’re doing. If they don’t seem to care about meeting your needs, find someone who will.
9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details As Gen X starts to retire over the next ten years, Millennials will take over as the majority in the workforce. For leaders who haven’t quite figured out Gen Y, here are few things to keep in mind…They don’t want the same things you did: While money is obviously a factor for anyone in any job situation, it’s usually not the main focus for Gen Y. The work, passion, atmosphere, and culture are all more important to this generation. The “old school” office culture isn’t as appealing to new talent as it used to be.Be a leader, not a manager: Gen Y has a bad reputation for not respecting authority. Don’t manage like a king holding a title over their head. Instead of being commanding and demanding, be an approachable mentor that can be a source of guidance for your younger employees. And always give feedback whether it’s good or bad.Help them find their way: Millennials don’t necessarily know what they want out of their career. Help them learn new skills and develop into their best self. Millennials aren’t scared of trying new things, so help them find an area where they can grow, so you won’t have to replace them when they leave for a position they’re more passionate about.
Irish low-cost airline Ryanair said, with the announcement of business results, that ticket prices for flights to certain destinations could be reduced by up to 9 percent, given the intensified competition in the air transport industry in the next few months.The announcement came after Ryanair achieved 55 percent quarterly profit growth. Profit before tax in the three months to June 30 rose to 397 million euros, driven by stronger demand for Easter, while revenue jumped 13 percent to 1,68 billion euros.The airline says it expects a drop in ticket prices by 5 percent by the end of September and by 8 percent in the next six months, or by the end of March next year. “We expect the pricing environment to maintain a very high competitiveness,” said CEO Michael O’Leary.Ryanair leaders also reiterated warnings about possible major disruptions to flights between the UK and Europe, in the event that a bilateral flight agreement is not reached in the Brexit negotiations. They stressed that this could lead to flight cancellations and relocations. “We want a clear situation so we can plan our schedules for 2019,” CFO Neil Sorahan told the BBC.Airlines Easyjet and Wizz Air also said prices would be under pressure this summer.Source: Business diary
With chaos on the ground as Democratic party officials reportedly told campaigns not to expect results before sometime Tuesday, Sanders, running as a democratic socialist, took to the microphones to proclaim he had “a good feeling we’re going to be doing very, very well here in Iowa.””Tonight in this enormously consequential 2020 election, the first state in the country has voted, and today marks the beginning of the end for Donald Trump,” said the 78-year-old.Iowa is a closely-watched test in the months-long process to determine who will face the Republican president in November.Sanders later took the bold step of releasing internal, unpublished results from nearly 40 percent of precincts, showing him with 28.62 percent of the state delegate equivalent, the all-important figure used to determine who wins the Iowa caucuses. Buttigieg earned 25.71 percent, followed by progressive Senator Elizabeth Warren on 18.42 percent, the data indicated.Former vice president Joe Biden, the national frontrunner, was in fourth spot, at 15.08 percent, a disappointing showing for the candidate who has consistently claimed he is the person best positioned to take on and defeat Trump.- ‘Feeling good’ -The Warren campaign pushed back at Sanders move, with her chief strategist Joe Rospars, tweeting: “Any campaign saying they won or putting out incomplete numbers is contributing to the chaos and misinformation.”But as the waiting dragged on, with zero results reported, other candidates also made claims to have beaten expectations.”I’m feeling good,” Biden said before Sanders released the internals. “So it’s on to New Hampshire, Nevada, South Carolina, well beyond. We’re in this for the long haul.”New Hampshire votes second, on February 11, and tradition dictates that the top performers in Iowa board jets and race to The Granite State to capitalize on the momentum.With the results in limbo, Senator Amy Klobuchar, from the neighboring Midwestern state of Minnesota, insisted “we are punching above our weight.”Sanders’s data shows Klobuchar in fifth, at 10.93 percent.- ‘Meltdown’ The Iowa embarrassment is particularly bad timing, as US officials are under pressure to demonstrate the integrity of the voting system following 2016, when Russia stood accused of interfering in the presidential election in an effort to help Trump defeat Democrat Hillary Clinton.In a statement read on US networks, Mandy McClure, communications director at the Iowa Democratic Party, said further checks were ordered after “inconsistencies” were found in the reporting of three sets of results.”This is simply a reporting issue,” she said, denying there was “a hack or an intrusion.”Biden’s campaign counsel Dana Remus wrote a stern letter to Iowa Democratic Party chair Troy Price complaining of the “considerable flaws” of the night’s caucus. “We believe that the campaigns deserve full explanations and relevant information regarding the methods of quality control you are employing, and an opportunity to respond, before any official results are released.”Republicans meanwhile rushed to suggest either incompetence or foul play by the Democratic leadership.”Democrat party meltdown,” Trump campaign manager Brad Parscale said in a stinging tweet. “They can’t even run a caucus and they want to run the government. No thank you.”Trump — who has been weighed down by an impeachment process expected to end with his acquittal on Wednesday — is almost certain to mention the chaos on Tuesday night when he address Congress and the nation during his annual State of the Union speech.Unlike secret ballot voting, Iowa caucus-goers publicly declare their choice by standing together with other supporters of a candidate. Candidates who reach 15 percent support earn delegates for the nomination race while supporters of candidates who fall short can shift to others.It appeared the delays may have been exacerbated by new rules that the Democratic Party instituted after the 2016 election that now require caucuses to report three sets of numerical data throughout the process, rather than one set previously.Held across nearly 1,700 sites, the Iowa vote offers a critical early look at the viability of the 11 Democrats still in the race — even though just 41 delegates are up for grabs, a fraction of the 1,991 needed to secure the nomination in July.Topics : Iowa’s vote kick-starting the 2020 US presidential contest degenerated into a fiasco marred by major delays on Monday, with Bernie Sanders claiming a slim lead in the Democratic caucus citing partial unofficial results.Figures released by the leftist senator’s campaign, five hours after the caucuses opened across Iowa, showed Pete Buttigieg in second spot, a strong showing for the former mayor of South Bend, Indiana who was a national unknown just one year ago.”Iowa you have shocked the nation,” the 38-year-old gay military reservist told loudly cheering supporters in what sounded very much like a victory speech. “Because tonight, an improbable hope became an undeniable reality.”
The Dominion Post 17 November 2012 Once blamed for glamorising children having babies, teen pregnancy reality shows are now credited with a drop in New Zealand’s teenage pregnancy rates. A new report from the Abortion Supervisory Committee suggested shows like 16 and Pregnant might deter unwanted pregnancies by depicting the struggle young people faced when raising children. The show, and other spin-offs, chronicle the struggles girls face when they become pregnant while still in high school. It also suggested social media peer pressure against being a young mother, and increased contraception use might also have contributed to the falling rates. Last year 4247 teenagers gave birth – down 387 from 2010, Statistics New Zealand figures show. Teenage abortion rates fell as well, down 17 per cent from 2010. Family Planning national medical adviser Christine Roke said her organisation had supported the broadcast of reality television series highlighting the struggles teenaged parents faced. She was delighted by the report’s suggestion the shows could be having a positive effect. “Reality TV is a great form of education,” Dr Roke said. “What is striking about the report is that it is the younger age group that seem to be dropping, which is great news, because they are particularly vulnerable when it comes to handling unintended pregnancies.”http://www.stuff.co.nz/dominion-post/news/7962471/TV-shows-credited-with-fall-in-pregnancies
Lawrenceburg, In. — Dearborn-Ohio County prosecutor Lynn Deddens says two Lawrenceburg men are facing charges after interfering with the investigation into the death Clarissa Schultz. Police say Schultz committed suicide outside the Levee Breaker Bar in Lawrenceburg in May.William Ford Skipton, 44, is charged with assisting suicide, carrying a handgun without a license and operating a vehicle while being suspended for life. Steven Melrose, Jr., 46, has been charged with false informing and selling an alcoholic beverage to an intoxicated person.Schultz was found dead outside the bar with an apparent self-inflicted gunshot wound to the head. Police were unable to close the investigation because Skipton hid the gun in the ceiling tiles of the bar and removed a shell casing. Melrose, the bartender at the Levee Breaker Bar told emergency dispatchers he did not know where the gun was, but later admitted he saw Skipton hide it.Skipton, a friend of the deceased, allegedly owned the gun Schultz used in the incident. Police say he removed the gun and a shell casing from the scene because, as a prior felon he was afraid he would face charges. Melrose misled dispatchers in an effort to protect Skipton.No court date has been set.Prosecutor Deddens said, “We take death investigations very seriously. These men are innocent until proven guilty in a court of law, but their actions caused a significant delay while police made sure of their findings. I want to thank the Lawrenceburg Police Department and Indiana State Police for their help in the matter.”
Indianapolis, In. — The Indiana Office of Community and Rural Affairs is announcing the first round of Community Development Block Grants for 2019 is open.The following programs are accepting applications this round:Main Street Revitalization;Public Facilities;Stormwater Improvements; andWastewater/Drinking Water.The complete application, which includes the instructions, proposals/application template and sample documents can be found at www.in.gov/ocra/cdbg. A video overview of the application can be accessed here.New guidelines from U.S. Department of Housing and Urban Development on LMI census data and income surveys requires OCRA to make adjustments to the income survey policies and procedures.Effective April 1, applications must use the new census data and income survey process. Communities must use the HUD LMI Map tool to source the LMI data. An income survey would only be necessary if a community has an LMI percentage lower than 51 percent. In those cases, the community must seek permission from OCRA before moving forward with an income survey. Additionally, income survey certifiers will no longer be required to verify an income survey. A webinar is scheduled for Tuesday, April 2 to provide more detailed information on this change.Round one proposals are being accepted until Friday, May 3 at 4:00 p.m., ET. Final applications are due by Friday, June 28 at 4:00 p.m., ET with funding awards announced on Thursday, August 15.Funding for all of the CDBG programs comes from the U.S. Department of Housing and Urban Development and is administered by OCRA. The state of Indiana distributes CDBG funds to rural communities to assist units of local government with various community projects like: improving infrastructure, downtown revitalization, public facilities improvements and economic development.For further information on these programs, contact the assigned Community Liaison for your region.