By Dialogo February 19, 2010 Hi my name is Tom I feel very sad about Haiti s situation but an other thing is that they sould start to rebuill the country because those people that are still don’t have any place to stay. they are in the street.plese start the recontruction they need it. thanks!! The United Nations launched its largest ever appeal for humanitarian aid, with a revised request for 1.44 billion dollars to assist earthquake victims in Haiti. The year-long appeal includes a 577-million-dollar request made last month in the wake of the devastating Haiti quake. The UN’s Office for the Coordination of Humanitarian Affairs (OCHA) said in a statement that the requested funds would be earmarked for priority sectors including agriculture, food aid, health, logistics, nutrition, protection, water, sanitation and hygiene. “We have to be engaged in Haiti for the long haul, for life-saving relief as well as reconstruction,” said OCHA chief John Holmes. The 7.0-magnitude temblor struck the impoverished Caribbean nation of nine million on January 12, killing more than 217,000 people and leaving more than one million homeless, according to authorities.
We still have work to do. The good people at The Financial Brand once again have told us that digital transformation is moving too slowly to meet rapidly evolving member needs. In research recently conducted by the Digital Banking Report, it was found that success with digital transformation initiatives has been hard to achieve. They found, when surveying financial institutions, organizations have moved forward with many strategies to improve digital engagement, but most believe they have fallen further behind what the evolving marketplace expects.One area in which the survey respondents felt they were failing was the back office – where respondents hoped to improve efficiency and to reduce costs in support of front office customer experience initiatives. Fully three-quarters of those responding believed they were failing in their efforts with the back office.Reasons for failure are likely numerous and varied, but I would venture a guess that too little effort, too little investment and too little focus are primary reasons for the disappointment.Insufficient lack of effort and investment would be unsurprising, given that other areas are undoubtedly considered more important – areas such as direct member interaction and member facing transactional processes and solutions garner more attention, and should, at least until significant improvements are in place. Still, we all might find an easier path to improving back office performance if we were to redefine the space and then allocate efforts and resources more appropriately.First, some definitions, and their limitations. Let’s start this discussion by proposing working descriptions of the front and back office. We typically think of the credit union’s front office as member-facing activities, delivered by both people and software. So, we look at our retail branch tellers, account servicing, call center staff and lending staff when we sit down to map the journey our members travel when transacting with us. And we analyze the journey similarly when we review the features, benefits and workflows of the software we build or buy to deliver either in person or via online methods.However, when it comes to the back office within our credit unions, we tend to identify functions and activities as back office simply because they aren’t front office. So, we place finance, IT, marketing, development, HR, loan servicing, account maintenance, and more into the back office. And this creates a problem or, at least, a roadblock to improving our members’ experience with us.Optimize resources, no matter where they sit. Why does a poorly defined back office limit our ability to improve member experience? Simply put, with more and more members engaging with us via digital devices and channels, the distinction between front office and back office has blurred. Many so-called back office resources can now, or soon will be, accessed by our members (and they will receive service from some of our traditional back office roles). So, it is time to fully engage in the effort to define better which back office roles are or will play a part in delivering direct member service, whether in the “frontstage” of a transaction or interaction, or the “backstage” of the same. And it is time to separate those “backstage” activities from the back office functions that are more appropriately considered to be “support processes”, processes providing critical business functions for everyone, but not directly impacting member experience.Let’s try examples to illustrate how we might proceed. The list of processes to tackle is long, but let’s pick two areas to illustrate the challenge. A lot of attention has gone into online account opening and online lending solutions and processes. And correctly so. Capturing new members, opening additional accounts for current members, capturing loans in a competitive market, are all critical success factors. After all, we are in the savings and loan business. But when we build or buy account opening and lending software and improve the frontstage member experience, have we also improved all the back office elements that impact members? Have we accounted for and improved upon those back office (“backstage”) processes that directly impact member experience satisfaction LONG TERM, not just at account opening and at loan approval and disbursement?How can backstage efforts help to improve frontstage efforts? Online account opening and lending solutions provide document and file exchange services that make it easier for members to open accounts and to apply for and receive loans from your credit union. But what happens after those initial efforts? What does your credit union provide to make it easy for your members to exchange needed documents and information in “ongoing account activities?” All of those ongoing tasks need to be addressed and fulfilled enterprise-wide (not just for highlighted tasks) for you to deliver service that members extoll.To step forward and improve your DX efforts, define the place in your credit union for each task (frontstage, backstage, back office) and then identify the kinds of services you could provide, such as using secure storage and file/document exchange as more than features in separate and defined software solutions. Then identify a platform that can help you to manage these features across your enterprise, including all of the direct member interactions not covered by other software solutions.Turn secure document exchange and digital asset storage into a member experience promoter and a competitive advantage. Then start tackling all of the other “backstage” processes you’ve ignored as “back office” tasks. 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Greg Crandell Greg Crandell provides strategy, market planning, business development, and management consulting to financial technology firms and their clients – Credit Unions and Banks. For more years than he wishes to admit, … Web: queryconsultinggroup.com Details
The card can be used only in the Republic of Croatia, the card is contactless, without PIN authorization for transactions up to HRK 250, there is no account management fee, and the one-time card issuance fee is HRK 50 while the card is valid for 4 years – according to HPB- And. Photo: HPB Photo: HPB / Cover photo: Pixabay, Illustration: HrTurizam.hr We need to look at the project for a minimum of 3 years, so that we can measure its success. Of course with a constant campaign, development and integration into the wider project of our tourism, not just putting it on the market and that’s it. Like any project. And today, after a lot of prolongation, we finally have the first official Cro card – HPB CRO Visa debit card. As we know, Hrvatska poštanska banka is among the first banks to sign an Agreement with the Ministry of Tourism on the implementation of measures to encourage consumption in the hospitality and tourism industry in the Republic of Croatia through the Croatian Tourist Card. The card is intended for payment of accommodation and services in tourism and catering in Croatia, rental of water transport vehicles and services of travel agencies and travel organizers One was also introduced news – funds on the card, ie transaction account can be paid by the employer or any third party, as well as the cardholder himself, by non-cash transfer of funds. Namely, as part of the Cro card, a special website should have been published earlier, on which there will be a list of various discounts that Cro card users can get. Therefore, it gives an additional motive that you are the owner of the card, ie a natural person, pay the funds yourself in order to take advantage of the discounts. All employers, craftsmen or self-employed persons can opt for the CRO Visa card and pay a fee of up to HRK 2.500 per year to their employees intended to cover the costs of catering and tourist services anywhere in Croatia. Customers whose employers decide to pay holiday pay via CRO Visa card can request the opening of a special purpose transaction account and the issuance of a card in any HPB branch – the bank points out. Of course, the whole project will not show any success this year, only if the public sector withdraws a larger contingent of cards (which was, among other things, the formula for success in Hungary) because the private sector in the current situation is struggling to survive and maintain jobs. number to be able to pay workers the amount on the Cro card.
Her statement, which did not say what the next action could be, came days after South Korea took legal action against defectors who have been sending material such as rice and anti-North leaflets, usually by balloon over the heavily fortified border or in bottles by sea.North Korea said it has been angered by the defectors and in the past week severed inter-Korean hotlines and threatened to close a liaison office between the two governments.As part of the effort to improve ties with the North, South Korean President Moon Jae-in’s administration has sought to discourage the leaflet and rice campaigns, and defectors have complained of pressure to avoid criticism of North Korea.On Sunday, South Korea’s National Security Council meeting was held with security and diplomatic chiefs in attendance, “to examine the current situation of the (Korean) peninsula,” the presidential Blue House said without elaborating further. Separately, South Korea’s Unification Ministry released a statement asking the North to honour inter-Korean agreements reached in the past.”The South and the North should try to honour all inter-Korean agreements reached,” the ministry said in a statement.”The government is taking the current situation seriously.”The escalation of tension comes a day ahead of the 20th anniversary of the first inter-Korean summit in 2000, which pledged increased dialogue and cooperation between the two states.In 2018, the leaders of the two countries signed a declaration agreeing to work for the “complete denuclearisation of the Korean peninsula” and cease “hostile acts.”Analysts say North Korea appears to be using the leaflet issue to increase pressure on South Korea amid stalled denuclearisation talks.”The leaflets are an excuse or justification to raise the ante, manufacture a crisis, and bully Seoul to get what it wants,” said Duyeon Kim, a senior advisor at the International Crisis Group, a Belgium-based independent non-profit organisation.Pyongyang feels betrayed and misled by Seoul’s prediction that the United States would lift some sanctions in exchange for North Korea closing its nuclear reactor site, and is upset that leaflets and U.S.-South Korea military drills continue, Kim said.”They’re upset that Seoul has done nothing to change the environment and is again telling Seoul to stay out of its nuclear talks with Washington,” she added.Topics : The sister of North Korea’s leader has warned of retaliatory measures against South Korea that could involve the military, in the latest escalation of tensions over defectors from the North who have been sending back propaganda and food.Kim Yo Jong, who serves unofficially as one of Kim Jong Un’s top aides, issued the warning in a statement carried by state news agency KCNA on Saturday.”By exercising my power authorized by the Supreme Leader, our Party and the state, I gave an instruction to the … department in charge of the affairs with (the) enemy to decisively carry out the next action,” Kim said.
Shipowners association BIMCO and Shipdex have signed an agreement to support the development and exchange of technical and logistic data across the shipping community. The agreement, under which BIMCO will be included as an executive member of Shipdex steering committee, was signed at BIMCO Head office, Copenhagen by Lars Robert Pedersen, BIMCO Deputy Secretary General and representatives from the original nine executive members – Grimaldi Group S.P.A., Mastermind Shipmanagement, Alfa Laval Tumba AB, MacGregor Group AB, Man Diesel & Turbo SE, Shipdex Consulting, Yanmar Company, G&C Shipping and Rolls-Royce PLC.As informed in a joint statement, the two organizations share a common interest to promote the standardization and digitalisation of data exchange in the shipping industry, with recently elected BIMCO President Anastasios Papagiannopoulos, setting it out as a key theme for his presidential term.“This new venture will be of great benefit to our members and will complement BIMCO’s exciting portfolio of products and services. Shipdex fits neatly with our objective to help ease the administrative burdens for ships and masters. Shipowners will be able to reduce time, administration and costs as this new system is quicker and easier to use, with zero disruption to the ship at sea,“ Lars Robert Pedersen, Deputy Secretary General at BIMCO said.“We are convinced that Shipdex™ Protocol is the best candidate to become the universal standard for the exchange of technical data. Securing the support of the final user is the next step ahead for the diffusion of real electronic documentation, when this happens the industry will save money, time, paper and space because Shipdex™ Protocol has all the necessary features to become the universal standard for the shipping industry,” Shipdex Chairman, Giancarlo Coletta added.The Shipdex™ Protocol is described as being designed to be used by shipowners, shipyards, manufacturers, classification societies and application service providers, it uses a common source database to store, retrieve, publish and exchange technical and logistic data across the shipping community.“Instruction manuals, maintenance plans, and spare parts catalogs can be shared between any company or organization that wishes to use it, in a neutral and standardized format, safely and securely,” the organization said.
MADRID: Spain’s World Cup-winning captain and goalkeeper Iker Casillas has announced his retirement from football at the age of 39.Casillas, a Real Madrid legend, suffered a heart attack during a training session last year and has not played any competitive football since April, 2019. He recovered to rejoin the ranks at Porto and was named in their squad for the 2019-20 campaign. Casillas, who led Spain to their first World Cup in 2010 and helped his country win the 2008 and 2012 European championships, had a low-key farewell from the club he joined in 2015 after spending 25 years at Real Madrid. “The most important thing is the path you travel and the people who accompany you, not the destination that it takes you,” Casillas wrote on his Twitter account in Spanish. “I think I can say, without hesitation, that this has been the right path and the dream destination. Thanks.” With 167 international caps, Casillas has the second-most appearances for the Spanish national team, making him the joint tenth-most capped footballer of all time. Casillas burst onto the scene as a teenager at Real Madrid and went on to make 725 appearances for the Spanish giants — helping them win five LaLiga titles and three Champions League crowns. Casillas said in February that he is keen on running for election as President of the Spanish Football Federation (RFEF). IANS Also Watch: #NewsMakers: Bharat Bhushan Dev Choudhury, Sec. General Administration, Gov. of Assam, Dispur
But she appeared out of sorts on court, calling on a doctor in the second set.Gauff had been bidding to become the youngest Wimbledon quarter-finalist since fellow 15-year-old American Jennifer Capriati in 1991.“I wasn’t feeling very well but I still played my best. I’m not sure what it was but I still had fun even though I was losing,” she said.“I learned a lot about how to play in front of a big crowd and how to play under pressure. I am really grateful for the experience.”Gauff’s meeting with 2014 Wimbledon semi-finalist Halep was the match everyone wanted to watch on Manic Monday, with Vogue editor Anna Wintour forced to watch from a staircase because of the bumper crowd.But the magnitude of the occasion appeared to get to Gauff, who showed signs of early nerves by having her serve broken in the very first game.She broke back immediately, and later in the first set almost went another break up when Halep double-faulted twice in succession, but scuppered two break points as Halep held serve.Yet unlike her cool and calm approach in previous matches, Gauff looked despondent after every game she lost, throwing her racquet to the ground and clapping her hands together in frustration as Halep broke her serve to go 3-2 up.Gauff was broken once more as Halep took the set before the second set started in exactly the same fashion, Halep breaking her young opponent’s serve at the first chance.Yet again Gauff immediately broke back, but she lost on serve again to gift her opponent a 4-2 lead, and Halep went on to hold match point on a break but Gauff rallied back.Gauff showed not a flicker of emotion as Halep eventually served out the set, not even stopping to greet the autograph hunters as she walked to the changing rooms.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram Coco Gauff’s remarkable fairytale run at Wimbledon came to an end with a straight-set defeat by former world number one Simona Halep.Seventh seed Halep, 27, beat the 15-year-old American qualifier 6-3 6-3 to advance to the quarter-finals, where she will play China’s Zhang Shuai.Gauff had beaten Venus Williams, Magdalena Rybarikova and Polona Hercog on her way to the last 16.
The NCAA announced Tuesday that Division I programs will be allowed to give athletes (including walk-on athletes) unlimited meals and snacks, according to a report from ESPN. This change comes partially off the heels of Connecticut guard Shabazz Napier’s comments regarding hunger following his team’s NCAA National Championship victory.Tense relationship · USC athletic director Pat Haden has criticized the NCAA for its alleged mishandling of USC football’s recent sanctions. – Ralf Cheung | Daily Trojan“Sometimes, there’s hungry nights where I’m not able to eat, but I still gotta play up to my capabilities,” Napier told a stunned audience. Napier’s quandary was one shared with quite a few student-athletes in a heavily regulated college athletics landscape. As recently as last year, the NCAA had regulated the distribution of snacks to bagels, nuts and fruits to athletes at any time during the day. A reading of that bylaw, however, prohibited the distribution of cream cheese, and the “bagel law,” as it came to be called, quickly became a symbol for the NCAA’s over-regulation of college athletics.The bagel law was eventually repealed last year, but as of now the NCAA is facing perhaps the biggest push for the de-regulation of amateur athletics since its inception, so it comes as no surprise to me that it would be willing to loosen up a little bit. Though the allowance of snacks and meals seems like a big step for the NCAA, it fixes something that should have never been regulated in the first place. The fact that the NCAA was regulating which foods players were permitted to put in their bodies is unnerving enough. But to tell these athletes they can’t have cream cheese provided with their bagels? No wonder the NBA Draft seems like the ideal place for most college athletes to spend their would-be sophomore year.Look, I’m not an NCAA athlete, but if I was unable to afford food and some governing body told me that I wasn’t allowed to eat except for specific periods of the day as prescribed by NCAA bylaws, I might take issue with that. What’s actually the problem here isn’t simply the fact that the NCAA seems to be regulating the very means by which athletes sustain themselves on a day-to-day basis — it’s that the constant gamesmanship on the part of the programs contributes to the NCAA’s need to regulate such seemingly trivial matters so tightly.In a landscape where competition is the name of the game, it only serves to reason that a coach would seek to gain every single advantage permitted by NCAA law. In a way, it forces coaches and their staffs to become legal eagles on the black letter of the NCAA bylaws in order to gain any implicit or “uncovered” advantage not so stipulated specifically by law. Already the concern with the repeal of the bagel law was that coaches would start grilling steaks and serving them as “bagel toppings” to circumvent the NCAA’s draconian meal scheduling regulations.But the NCAA seems to be clinging to the vast majority of its existing regulations and the amateur status of its athletes, sometimes for its own sake. There is no reason why a governing body that just received $681 million for its television contract for the men’s basketball tournament alone, according to a report from the Indianapolis Star, should be telling athletes what to do or when to do anything. The fact remains that these are athletes who churn the gears of the NCAA’s massive moneymaking machine. Receiving a scholarship is all well and good, but the stress level of some of these athletes are on par with the scrutiny and attention received by their professional counterparts.I’m not advocating a complete breakdown of the amateur system — ideal as that might be for someone who attends USC, a college flowing with milk, honey and loyal booster money. I’m just saying that the NCAA should have the judicious council in place to learn the difference between regulating recruiting efforts and potential unfair advantages by the coaches, and legislating and over-regulating actual areas of athletes’ lives where they should have a reasonable expectation of freedom.Let’s face it, the NCAA isn’t going to start paying its players anytime soon when its student-athletes are guaranteed a scholarship. But the experience of receiving a scholarship is diminished by how intensive sports participation can be. The reality of college basketball is that there is, in fact, a much smaller window of time for scholarship-level athletes to dedicate to their studies and the overall college experience.To so strictly regulate the use of resources and impose completely asinine, punitive sanctions on those programs that do not comply with already-ridiculous rules is just the name of the game at the NCAA. But here’s to hoping that this lift on food restrictions is the first of a handful of de-regulating measures by the NCAA in response to the current fierce advocacy of the abolishment of the amateur system. Euno Lee is a senior majoring in English literature. He is also the Managing Editor of the Daily Trojan. His column, “Euno What Time it is,” runs Wednesdays.
When head coach Clay Helton announced Sunday that true freshman JT Daniels would be taking over the helm as the Trojans’ starting quarterback for Saturday’s season opener against UNLV, he was taking a risk — albeit a calculated one. With a total of three collegiate games played — not started, but played — among the three rostered quarterbacks, the competition for the starting job among redshirt sophomore Matt Fink, redshirt freshman Jack Sears and Daniels started on a rather even playing field. The one wrinkle thrown into that situation was the fact that only a year ago, Daniels was supposed to be entering his senior year of high school while Fink and Sears began fall camp.For Daniels, just about all the tangibles and intangibles of a Power Five starting quarterback are there. Throwing for over 4,100 yards with 52 touchdowns in his final season at Mater Dei? Check. Collecting the best possible personal and team accolades possible in winning a state and national championship while being honored as the 2017-18 Gatorade High School Male Athlete of the Year? Check. Showing, by all accounts, wisdom well beyond his years and a capacity for the limelight that has become a necessity as the USC signal caller? Check.Yet, the inherent risk lies in a player who has only formally practiced with the team for a few months. Learning the playbook, creating chemistry with upperclassmen wideouts such as redshirt sophomore Tyler Vaughns and junior Michael Pittman: These are skills that can only come with time. In his eyes, however, Helton feels that Daniels’ time has come. His maturity is the quality that shines through more than any other.“As you can imagine JT was excited when we let him know,” Helton said. “But his uncanny maturity kept him focused on what is next.”As is with the theme of Daniels’ college career so far, the quarterback enters rarified territory becoming just the second true freshman to start a USC season opener since Matt Barkley in 2009. In fact, Daniels is just one of four to ever do so at USC, joining Barkley, Heisman trophy winner Carson Palmer and Cotton Bowl champion Rob Johnson.The biggest lingering question about Daniels is his ability to come in and ease the pain of transitioning from an all-time USC great in Sam Darnold to, well, anyone else. If anything, Daniels is a barometer of what kind of program the Trojans are at the moment. In the early 2000s, USC was able to replace Palmer with Matt Leinart, a Heisman trophy winner and two-time national champion. John David Booty, who won two Rose Bowls, would follow Leinart. Compare this to the years that would follow in which many talented, highly touted quarterbacks would fail to maintain the same level of excellence, and it leaves the Trojans in a state of flux.As much as Daniels will be interesting to watch for his own growth as a player, it will be even more appealing to watch what he does to continue Darnold’s legacy of success. Who knows? Maybe after all the fire Helton has come under since being hired two years ago, it turns out he’s just as great a quarterback whisperer as Pete Carroll. Certainly, it will take a few national championships with some Heisman trophies sprinkled in before we can properly compare the two, but it’s not outside the realm of possibility.In terms of what will be seen from Daniels now, it is unreasonable to have the same expectations for him that fans and media alike had of Darnold a year ago. Daniels, as good as he may be, is unlikely to be playing for a national championship this year. He may not even play for a Rose Bowl; currently the sights are set on taking the season one week at a time. Unlike Darnold, Daniels is in a situation where he can truly grow. First, while he has just come out of a quarterback competition in camp, he doesn’t have a five-star junior like Max Browne breathing down his neck. Second, Daniels gets real game action and plenty of practice reps to work with the first team offense, luxuries not truly afforded to Darnold until Week 4 of his magical 2016 campaign. Lastly, Daniels is a true freshman. At the very least, he will have a full three years to work in the USC system, establish his play style, and, even, bring USC back to the level it was at heading into 2017.For now, Daniels and Helton are just worried about UNLV, and they’ll let the rest of their bright future together fall into place.Jimmy Goodman is a junior majoring in communication. His column, “The Point After,” runs every other Tuesday.
The winger’s Everton future had looked uncertain after he was linked with a move away before last night’s transfer deadline.McGeady recently returned following a recurring hamstring problem.O’Neill says he has no problem using him if required.