Tag: 夜上海论坛XN

3 ways to deal with your holiday debt before it gets out of control

first_img 18SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Christine DiGangiI was at the gym the other night when I overheard a man talking about how much he spent on Christmas gifts this year. I learned a lot about the guy: He loves to shower his mom with gifts, he bought an engagement ring he no longer plans on using, and he’s got a lot of credit card debt to pay off. It’s amazing the things people talk about within earshot of strangers.While he was certainly aware of the thousands of dollars he had to pay in credit card bills, he didn’t seem too troubled by it. It sounded like he planned to finance the holiday purchases all along, but I wonder how much thought went into that strategy, given how long it can take to pay down credit card debt. If you have high credit card balances after the last several weeks of shopping, you might want to plug your information into this credit card payoff calculator and see how much you need to put toward those bills each month to get debt free within a few months, or whatever your debt-payoff timeline may be.Of course, as I listened to this guy talk about the $1,500 he spent on his mom, I couldn’t help but think of questions I wanted to ask him about his plan for tackling that debt and the tips I would share with him, based on his responses. Because it’s generally considered strange and rude to join strangers’ conversations about personal finances, I’ll settle for writing this blog post.If you’re the guy who walked into the Michigan Avenue Gucci store and bought a pricey bag to prove a point to the seemingly snooty staff, this one’s for you. continue reading »last_img read more

What members really want with your credit union

first_imgFacebook…it’s a wonderful thing.  It allows us to connect with others in deeper ways. It can be daunting at times too.  However, today it was a research tool. I recently took to Facebook to ask my friends “What’s the One Thing you wish your Credit Union did for you?”  Oh…the answers!Let’s start with Nancy.  She said “Clean My House”  Say What? Nancy was going with the sarcasm answer. But so often we know that where there is smoke, there is fire.  I ask this question…without any sarcasm. Can your clean your members house? You might think “No Way”. Or perhaps you could flip that approach and think…sure…how could we pull that off?  Would that be just a simple one time cleaning? Who would do it? So many questions here. I would propose that Nancy isn’t the only member that would love to have her house cleaned. To which I offer, what if you had a cleaning service as a member, and you hired them, once a month to clean another members home.  Certainly some folks would find issues with this setup…oh the liability. But you really can find a way to make this work.And if I was consulting with Nancy’s Credit Union…I’d call someone there, to get on the phone asap with a cleaning company, get an agreement in place, and have them call Nancy to schedule it.  Talk about Surprise. Nancy would be talking about that all over Facebook…for months if not years! She would never forget how you made her feel!There were some other really great suggestions as well.Trave suggested that if his CU had 24 hour call center support, and would have rushed a new card to him during a fraud issue, he wouldn’t have left for a big bank. In Trave’s case he felt that policies and procedures ruled over the relationship and lacked having practices in place that treated him like a person and not just an account.  As indicated, he left to go to a bank.Anita chimed in that this is exactly what she loves about her CU…they offer that 24 hour call support.  Proving that this feature does matter to members. Something to consider adding if you don’t already have it.Rick who works in banking and previously worked at a CU suggested having people answer the phones on a regular basis.  It makes it more human. I love this, but I also recognize it may not always be possible. Note that Rick mentioned “on a regular basis”.  Just start with something more often than you have now, and that will translate into a better experience.Kat wanted better business hours.  She found that her CU was closed when she needed to go most of the time. She had a very interesting comment which all CU’s should hear “To win a customers business…convenience, flexibility, options, great rates, customer service and other perks” matter. Bob suggested that more Credit Union’s particpate in shared services. I’ve seen this with my credit union, and I’ve used it. However in Bob’s case he found it wasn’t available and that limited him.Adam suggested that the CU help fill out his FAFSA Forms and College Aid Information.  He also stated that an entire college planning and finacial program would be invaluable.  Seems reasonable to me to expect your financial institution to help with these things.Fees. Oh the Fees. There was plenty of talk of ATM Fees.Brian suggested that CU’s have more partnerhsips so that ATM fees were free, or at least lower. Other like Matt chimed in with lower fees.  Matt even stated “Eliminating fees would prevent me from looking for another financial institution that covers the cost.” Meaning he has, or is, looking for another institution.Stephen understood the need to charge overdraft fees but felt that it was extreme to charge $30 if the overdraw was under $1.This is what I heard from this impromtu study.Your members want to be treated as people. They want relationships just like everyone else in business and life.  They want to be charged fairly for services, and when they are charged for services that want to be provided with access to customer support in exchange for that. What lessons can you learn from this unscientific Facebook study? There is some really low hanging fruit here that could help your CU rise to the top in your market.Can you train someone in your office to understand, articuluate, and educate members on college planning and FAFSA forms? Could you build a partnership with a local college planning company, so that you don’t have to learn the details of college stuff? Could you randomly start waiving members atm fees each month? Could you monitor branch traffic, or run a survey to see if longer hours or Saturday hours are an option?So many options here!  What action can you take, and how quickly can you take it to move the ball closer to the goal of retaining and recruiting new members to your Credit Union.Bottom line…find ways to care. It matters to the members, and more importantly it’s memorable to the members! 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Matt Ward Matt is the founder of Breakthrough Champion…In 2002 Matt began working with business owners through his website agency, inConcert Web Solutions, to improve their bottom line, gain more clients, … Web: www.Breakthrough-Champion.com Detailslast_img read more

Donald Trump: Colin Kaepernick should get another shot at an NFL job if he can still play

first_img“Absolutely I would,” support @Kaepernick7 getting a 2nd shot in the @NFL — @POTUS in my interview today on racism, policing, statues & yes–sports. #ColinKaepernick pic.twitter.com/0B83cNbesW— Scott Thuman (@ScottThuman) June 17, 2020″He started off great and then he didn’t end up very great in terms of as a player,” the president said of Kaepernick’s career.Kaepernick was the 49ers’ starter from the middle of the 2012 season, when he quarterbacked the team to Super Bowl 47, to the middle of the 2015 season, when he underwent surgery on his non-throwing shoulder. He also had knee and thumb surgeries in January 2016.He lost the starting job to his replacement, Blaine Gabbert, in the 2016 preseason but got it back in Week 6 that year after San Francisco began the regular season 1-4. He finished the year with a 90.7 passer rating and 16:4 touchdown-to-interception ratio in 12 games. The 49ers were 1-10 in his 11 starts.MORE: Six best fits for Kaepernick | Kneeling timelineDuring that 2016 preseason, Kaepernick began protesting police brutality and racial injustice in the U.S. by sitting, and then kneeling, during the national anthem. He continued to kneel throughout the regular season. He has been out of the league since opting out of his contract in March 2017. Kaepernick later filed a collusion grievance against the NFL that was settled in 2019.Trump has regularly criticized Kaepernick and other NFL players for taking a knee; he said in 2017 that he would like to see teams “fire” such players. The president tweeted Saturday that he would bocyott watching the NFL if players are allowed to kneel. He told Thuman he was “very disappointed” in the NFL and U.S. Soccer recently loosening restrictions on players taking a knee as protests against the same things Kaepernick protested have grown.”We have to show respect for our flag and for our national anthem,” he said.”I was very disappointed in the @NFL” and “I was very disappointed in @ussoccer” -President Trump tells me on the issue of kneeling & race relations. #NFL @USWNT #soccer pic.twitter.com/0vaVdEU3LY— Scott Thuman (@ScottThuman) June 17, 2020Trump took a similar, but more forceful, stance Wednesday night in an interview with Fox News Channel’s Sean Hannity.”When the national anthem plays and our flag, the great American flag, is raised, you should not be kneeling.” Trump said (per Pro Football Talk). “You should be standing, ideally with your hand on your heart or saluting. But they should not be kneeling. They can protest enough, and I saw the NFL get very weak.”He also said he was “surprised” NFL commissioner Roger Goodell made a statement in which he admitted the league was wrong “for not listening to NFL players earlier” and encouraged “all to speak out and peacefully protest.””Nobody was even asking for it,” Trump said.Goodell was responding to a video posted the previous day by more than a dozen of the NFL’s top players, including Chiefs quarterback Patrick Mahomes, asking the league to “condemn racism and the systematic oppression of black people.”Earlier Wednesday, in his interview with Thuman, Trump kept his answer about Kaepernick to his playing ability.”As far as kneeling, I would love to see him get another shot, but obviously he has to be able to play well. If he can’t play well, [then] I think it would be very unfair,” he said.Trump reentered the kneeling discussion in recent weeks after Saints quarterback Drew Brees, facing sharp criticism from teammates, backtracked from saying in an interview with Yahoo Finance that he could “never agree with anybody disrespecting the flag of the United States of America or our country” by kneeling. Brees spoke with Yahoo as people were protesting the death of George Floyd in Minneapolis at the knee of a police officer.Trump believed Brees should not have “taken back” his original statement. Brees responded on Instagram that he realized, after speaking with teammates, that kneeling has never been about the flag. “We must stop talking about the flag and shift our attention to the real issues of systemic racial injustice, economic oppression, police brutality, and judicial & prison reform,” Brees wrote. President Donald Trump said Wednesday that Colin Kaepernick should be given an opportunity to return to the NFL, if he shows he can play at that level. “If he deserves it, he should, if he has the playing ability,” Trump said in response to a question by Sinclair/Full Measure reporter Scott Thuman at the White House. “I just don’t get” why Brees “retracted” his “beautiful” initial statement, Trump told Hannity.Trump made his remarks to Thuman the same day Chargers coach Anthony Lynn told reporters that “it would be crazy” not to have Kaepernick on the team’s list of players to work out if it were to need a quarterback. Lynn added that Kaepernick “fits our style” of offense. LA’s top two quarterbacks are veteran Tyrod Taylor and first-round draft pick Justin Herbert.Lynn’s comments came two days after Goodell told ESPN he would “encourage” a team to sign Kaepernick.last_img read more

Tottenham v West Ham team news: Son returns while Sakho starts

first_img The teams are in for Sunday’s London derby 1 The teams are in for Sunday’s London derby clash between Tottenham and West Ham at White Hart Lane. It’s Mauricio Pochettino’s fifth-placed Spurs against Slaven Bilic’s sixth-placed Hammers and both sides are looking to return to winning ways after drawing last time out – Spurs v Arsenal and West Ham v Everton. Andros Townsend is back in the Tottenham squad after a fallout with the backroom staff, taking his place on the bench. Eric Lamela is suspended after picking up his fifth yellow card of the season, so South Korean star Heung-min Son takes his place in the starting line-up. Diafra Sakho is fit again for the claret and blue side and he replaces star man Dimitri Payet, who is out with an ankle injury. Check out the full team line-ups for Tottenham Hotspur v West Ham United below!Tottenham: Lloris; Walker, Alderweireld, Vertonghen,Rose; Dier, Alli; Son, Dembele Eriksen; Kane. Subs: Mason, Vorm, Trippier, Townsend, Onomah, Carroll, Davies.West Ham: Adrian; Jenkinson, Tomkins, Reid, Cresswell; Kouyate, Noble; Moses, Lanzini, Sakho; Carroll. Subs: Song, Zarate, Ogbonna, Jelavic, Antonio, Spiegel, Oxford.last_img read more