Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 69-year-old woman was fatally struck by a truck while crossing a street in her hometown of Valley Stream on Friday morning.Nassau County police said Suzanne Fairhurst was crossing South Central Avenue when she was hit by an International truck that was making a left turn onto West Merrick Road at 8 a.m.The victim suffered a head injury and was pronounced dead at the scene. The 27-year-old man driving the truck was not injured.Fourth Squad detectives impounded the truck but found no criminality.
As long as credit unions are in the lending business, they will inevitably be in the collections business. Whether auto loans, mortgage loans, personal loans, business loans, credit cards, or all of the above, there will always be some degree of collections required on the part of the lender. Naturally, the goal of any lender is to keep delinquencies and deficiency balances low, while keeping your collection staff as productive and efficient as possible. However, the evolving nature of the collection industry makes this more challenging than ever. I don’t even have to delve into the compliance laws and regulations that lenders have to keep on their radar because I know that just the mention of ‘TCPA,’ ‘UDAAP,’ and ‘CFPB’ sends a collective chill down the backs of credit union executives and risk management staff.Now, on top of remaining compliant in a “we’ll know it when we see it” environment, lenders have to adapt to shifting consumer debt repayment priorities. The “old” debt payment priority list looked a little something like this:MortgageAuto loanCredit cardsThe “new” debt payment priority list looks more like this:Credit cardsAuto loanMortgageWhat’s interesting is that consumer debt is in fact down. According to the Federal Reserve Bank of New York, outstanding household debt has decreased by $1.3 trillion. However, the number of consumers with access to lines of credit has increased substantially—by about six million from Q3 2014-Q3 2015, according to Transunion. More access to credit inevitably means more credit card debt. The average American household has $15,762 in credit card debt, yet credit cards continue to be a source of steady cash flow for consumers. Because consumers are relying on plastic for month-to-month expenses, those monthly payments get prioritized above mortgages, and sometimes even auto loans. This poses a challenge for lenders and collections departments because since auto and mortgage loans are at the bottom ring of the debt payment-totem pole, early stage contact with delinquent borrowers is critical. You have to be the first collection call your borrowers receive so that you can be first in line to receive a payment—before American Express® or Capital One.®The High Cost of Right Party Contact RatesIn order to be first in line with your delinquent borrowers, efficient early stage right party contact rates are essential. In our experience with our collections clients, 15- to 45-day delinquent accounts present the most challenges for in-house collection operations. As you would assume, most members are not home during typical business hours, so in-house collectors are often unable to make contact with the delinquent borrowers on their call lists. In order to increase contact rates, credit unions are forced to flex their employees’ schedules to include evenings and weekends—forcing them to pay these employees overtime. Shockingly, for some of our clients who previously handled collections solely in-house, it would cost more than $1.50 to collect a single dollar.An Unpredictable EconomyAlthough the economy has improved in the last decade or so, and credit union delinquencies decreased by 0.02% from January 2015 to January 2016, according to Callahan, the fact of the matter is, economic stability is not guaranteed, and just as quickly as deficiency balances improved, they could topple. Likewise, consumer payment behavior could shift any manner of ways, so lenders must take proactive steps to ensure their collection operation is compliant, streamlined, and in tip-top shape. The first step is to conduct a thorough internal audit of your current operation to get a detailed understanding of your process and identify areas for improvement. Once you fully understand the shortcomings (and successes) of your day-to-day operation, you’ll be able to put a realistic plan in place to make improvements that will put you in a position to adjust to your borrowers repayment behavior.I’ll be co-hosting a live webinar on April 28, where we will delve into specific and actionable ways that lenders can implement and utilize technology to streamline their collections process and positively impact their bottom line. I hope you’ll join us! Click here to register. 45SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mark Damon Mark Damon joined SWBC in 2009. He is currently SVP, The Financial Institution Group, SWBC. Web: https://www.swbc.com Details
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » Many of our organizations have a traditional leadership structure. These hierarchies delineate employees’ experience and the respective titles communicate that. But does it benefit our companies to stick to this status quo? Do your organization’s titles reflect your expectations for employees?Adam Bryant, managing director of mentoring and leadership development company Merryck & Co. and an author on organizational culture, argues that in today’s disruptive business environment some titles are no longer relevant. One he wants to eliminate is “manager.”“The word has had a long and useful run. In the days when industry dynamics were more predictable, executives could focus their attention internally, searching for opportunities to ‘manage’ or refine their processes, and using techniques such as lean manufacturing and Six Sigma to achieve quality improvements and cost savings,” Bryant writes. “The role of managers was clear: The company gave them assets, including time, money, people, and other resources, and their job was to optimize those resources to within an inch of their lives.”These managerial responsibilities are still important, but Bryant explains how culture has changed to make the “manager” obsolete:
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 58-year-old Williston Park man was killed when he crashed his car in in Garden City Park over the weekend.Nassau County police said Thomas G. Saccende was driving a Nissan northbound on Herricks Road when his vehicle struck a traffic signal pole near the corner of Wilson Boulevard at 5:30 a.m. Sunday.The victim was taken to Winthrop University Hospital, where he was pronounced dead.Third Squad detectives impounded the vehicle but found no apparent criminality.
Feb 27, 2006 (CIDRAP News) – A girl and a young woman in China have contracted avian influenza and are in critical condition, marking the 13th and 14th confirmed cases there, the World Health Organization (WHO) reported today.In addition, the WHO recognized a fatal human case of avian flu that was reported last week in Indonesia. The WHO’s current global count of human bird flu cases is 173, including 93 deaths.The patients in China are a 9-year-old girl from the eastern province of Zhejiang and a 26-year-old female farmer from the adjoining Anhui province, according to the WHO.The girl became ill on Feb 10 after she visited relatives in Anhui, the WHO said. No animal outbreaks have been reported in Zhejiang since 2004.The Chinese news agency Xinhua reported that during the girl’s visits with relatives, chickens in the relatives’ households got sick, and some died.The WHO said the farmer had had contact with diseased poultry before she fell ill Feb 11. Local agricultural officials reported that the H5N1 virus was found in dead poultry in her neighborhood.Samples from both patients tested positive in provincial laboratories and China’s national disease-control laboratory, according to Xinhua.”The H5N1 virus is now considered to be endemic in birds in large parts of China,” the WHO said.Of the 14 total cases in China, 8 have been fatal.The latest fatal case in Indonesia involved a 27-year-old woman from West Java province who fell ill Feb 13 and died a week later, the WHO said. Indonesian authorities reported last week that she had tested positive in a local lab.Including this case, Indonesia has had 27 cases with 20 deaths.See also:WHO statement on cases in Chinahttp://www.who.int/csr/don/2006_02_27a/en/index.htmlWHO statement on case in Indonesiahttp://www.who.int/csr/don/2006_02_27/en/index.html
In the show ‘And now the government ‘ The Minister of Tourism, Gary Capelli, was a guest, where he spoke about the current amendments to the Law on Tourism and announced the final amendment to the Law on Tourist Land, which should open space for new investments.He said that the Government will solve the 6 most important laws in tourism, the Law on Tourist Services was recently resolved, now we have the Law on Catering Services, package 3 of the Law and at the end of the year, together with Minister Goran Marić, the Law on Tourist Land – which is point at and in tourism that will lead to additional investment.He explained the importance of these 3 laws that have not been changed for 17 years, these laws have made their own, they have made Croatia a tourist destination, and we have meaning and quality. Croatia must step out, go to new market demands, we are going to a different organization, he added. Speaking of the sojourn tax, it will be decentralized and its amount will be decided at the local level – cities and municipalities will make their proposals, and the counties will bring the amount of the sojourn tax. Cappelli also referred to tourist membership fees – we introduced some new taxpayers such as banks, and we removed some, those for whom it was a pure parafiscal levy.A special focus will be on total quality management, and the Minister invites everyone to embark on this project because it is the measurability of everything that tourist boards do, and the city as a destination. We need to measure the level we have reached in the tourist offer, he believes.Cappelli: Family accommodation has become a real estate businessThis summer, it was commented that the apartments were not full enough, but we must say that we have reached the number of 56.000 more beds in private accommodation, so we must say that we have a shortage of the same number of guests. He said that today we have 7% more guests than last year and that is some maximum we could reach, we have to bring the disproportion of family accommodation, camps and hotels to one level, but the market will say that.Currently, the ratio is 56% of family accommodation versus 15% of hotel accommodation, and the rest are camps. The problem is in those 56% of private accommodation because you have 71% of them with three stars. We are for quality family accommodation, it used to be a social measure, it is no longer, it has become a real estate business, and we are against it, he said.The consultation lasts until mid-October, after which all criticisms and proposals will be considered, he expects that, in addition to well-intentioned, ‘make-up’ criticism, he expects that the package of laws could be in the Government at the end of October.Watch the whole show hereRELATED NEWS:HUNT ON FAMILY ACCOMMODATION AND POSSIBLE CONSEQUENCESHUB: IT IS NOT LOGICAL THAT BANKS WHICH DO NOT PERFORM REGISTERED TOURIST OR SERVICE ACTIVITIES ARE EXPECTED TO BE SUBJECT TO THE LAW ON TOURIST MEMBERSHIP FEESMINISTRY OF TOURISM PRESENTS DRAFT PROPOSAL OF TOURIST LAW PACKAGES
This year’s AHF is attended by: Eighth in a row Adria Hotel Forum (AHF) will be held from 18 to 19.2. at the Hilton Garden Inn in Zagreb. – Markus Lehnert, Vice President of Development, Marriott Internatinal- Stefan Trienen, Head of Research for DACH, Eastern Europe, the Middle East and Africa, Google- Jordi Sanchis, Director of Development for Southern, Eastern and Central Europe, Melia HotelsInternational- Dilek Sezer, Development Director for South East Europe, Accor Hotels Services- James Chappell, Global Business Director, Horwath HTL- Jason Wischhoff, Director for Europe, Middle East and Africa, Benihana / MinorInternational– Frederic Le Fichoux, partner, Cushman & Wakefieldte many others. Early bird registrations are available for another three days. You can register via of this link, and the whole PROGRAMME and more information is available at službenim stranicama konferencije. The participants of the conference are mostly members of the management boards of hotel companies, hotel owners and directors, investors, consultants, bankers, lawyers and other experts. This year, the Forum brings together international panelists who will discuss current industry topics such as: “The future of the hotel industry – what is our plan for the next 10 years? Or is it more realistic to plan 5 years in advance? ”,“ Overview of hotel performance – from global to local ”,“ Developing projects in the region – are we developing fast enough? ”,“ How investors and asset managers perceive Southeast Europe, which countries attract investment and why ”, but will also discuss many other interesting topics during the two days of the conference.
It was disappointing The Gazette endorsed Hillary, a half page ad.The scandals, money laundering, rigging the primaries, Uranium one, endless. So sad.You or I would be prosecuted to the full extent of the law if we did half of what they have done over the years.Wake up, America. Liberalism is a disease. At any rate, we spoke a year ago and dodged a fatal bullet with Hillary.Michael P. CroceBallston Spa Re Nov. 9 letter, “Clintons must pay for their corruption”: Kudos to Rafael Polo.He nailed it. The Clintons are so corrupt and have skated the law for over 30 years. Categories: Letters to the Editor, Opinion More from The Daily Gazette:EDITORIAL: Find a way to get family members into nursing homesFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Beware of voter intimidationEDITORIAL: Urgent: Today is the last day to complete the censusGuilderland girls’ soccer team hands BH-BL first league loss
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Tougher measures Johnson was criticized for his initial light-touch approach to the outbreak but on March 23 ordered a three-week lockdown after scientists warned the approach risked huge numbers of deaths.Non-essential shops and services have now been shut for the last two weeks and gatherings of more than two people banned to try to cut close-contact transmission and reduce infection rates.People have been told only to leave their homes to shop for essential items and medicine, and to exercise.But Hancock on Sunday warned that outside exercise could be banned after concern warmer weather could tempt people from their homes to public parks and open spaces.A major south London park was closed on Sunday after high numbers of sunbathers on Saturday.Hancock later said changes to social distancing were “not imminent” but in a sign of the seriousness of the measures, Scotland’s chief medical officer resigned for breaking the rules.Catherine Calderwood caused outrage in Scotland for twice visiting her second home north of Edinburgh, despite fronting an ad campaign calling for Scots to stay at home.She apologized and Scotland’s First Minister Nicola Sturgeon backed her to stay on. But on Sunday night Calderwood said she had quit as her behavior risked “becoming a distraction”. But he said in a video message on Friday that he would continue to stay at home because of a persistent high temperature.Downing Street called it a “precautionary step” and it is understood his admission was not an emergency and he was taken to hospital on medical advice.When he announced his positive test, his spokesman said Foreign Secretary Dominic Raab would take charge if the prime minister was unable to perform his duties.But government sources said Johnson was still in charge. ‘We’ll meet again’ The Downing Street announcement came as the 93-year-old queen offered a message of hope to everyone affected by the global pandemic, which has seen more than 1.2 million cases and more than 68,000 deaths.Britain currently has 47,806 confirmed hospital cases and 4,934 deaths. The monarch’s eldest son, heir to the throne Prince Charles, has tested positive after displaying mild symptoms.In only her fourth address at a time of crisis in her 68-year reign, the queen said the outbreak could be defeated by a collective effort in a “common endeavor”.”We will succeed — and that success will belong to every one of us,” she said in a speech recorded at Windsor Castle, west of London, where she moved as a precaution on March 19.Thanking healthcare staff and keyworkers, and praising the community response to the outbreak, the queen said people in Britain and around the world could feel proud.”Together we are tackling this disease, and I want to reassure you that if we remain united and resolute, then we will overcome it,” she added.She drew on her experience of World War II, when she and her sister princess Margaret were evacuated to Windsor as London was bombed, drawing parallels with people forced apart by the virus.In particular, she referenced British wartime singer Vera Lynn, whose song “We’ll Meet Again” became an anthem for service personnel fighting abroad, far from their loved ones.”We should take comfort that while we may have more still to endure, better days will return: we will be with our friends again; we will be with our families again; we will meet again.” British Prime Minister Boris Johnson was taken to hospital on Sunday after failing to shake off coronavirus symptoms, as Queen Elizabeth II said a united effort would defeat the outbreak.The government announced within an hour of the monarch’s rare special address to the country and Commonwealth nations that Johnson had been admitted for further tests as a precaution.Johnson, 55, had been due to re-emerge from seven days of self-isolation on Friday, a week after announcing he had tested positive for COVID-19 and had mild symptoms. Johnson is the most high-profile world leader to contract the virus. His pregnant partner, Carrie Symonds, is also recovering from symptoms but has not been tested.Health Secretary Matt Hancock returned to work on Friday after a week at home following his positive test for COVID-19. The chief medical officer, Chris Whitty, has also displayed symptoms.Hancock on Sunday described Johnson’s condition as “OK” and said he had been in “good spirits”. “He’s very much got his hand on the tiller,” he told Sky News television but said Johnson was being careful to follow government advice on self-isolation.Speaking from the White House, US President Donald Trump said he was “hopeful and sure” Johnson would recover, calling the prime minister “a friend of mine” and “great leader.” Topics :