Category: tdcyssgm

The Prudent Mariner

first_imgThe Prudent MarinerThe Prudent Mariner The Prudent Mariner, the first novel by Savannah native Leslie Walker Williams, offers her a spectacular debut into the world of Southern American literature. Set in the coastal region of Georgia where she was raised, Williams crafts a story that begins with a lynching begat by a tale of sibling animosity, and the subject of race, the one thread in our social fabric that always seems so near to unraveling, permeates virtually every aspect of the text. So too does the multifaceted role of the woman in the South; Williams subtly confronts the complexity of being a woman in the face of familial obligations and societal expectations. Rich in detail, Williams gives readers much to consider about life below the Mason-Dixon Line.last_img

Long Island Snow Storm May Snarl Thanksgiving Travel Wednesday

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A winter storm is forecast bring snow, wind and rain to Long Island on Wednesday, the day before Thanksgiving—likely snarling traffic on the biggest travel day of the year, forecasters say.Since there is still some uncertainty regarding the exact track of the storm, meteorologists are reluctant to predict exactly how much of the white stuff may accumulate, but there is a possibility between two and four inches of snow may fall on LI, with less likely on the East End, according to the National Weather Service.“[Accumulations] may go up or down depending on how the track of all this and how the magnitude of the low evolves,” John Murray, a meteorologist with the agency’s Upton-based office, told the Press.RELATED More Snow, Higher Temps This Winter on Long Island, Forecasters PredictThe storm is also expected to impact the Northeast and much of the East Coast, with higher accumulation amounts forecast for areas north of LI, making travel tricky for those hitting the road for the holiday. Much of the tri-state area was under a winter storm watch as of Monday morning, when temperatures hovered in the 60s.Tuesday is forecast to be mostly sunny with temps in the 50s before the precipitation is expected to start after sundown into Wednesday morning. The storm is expected to start as rain and turn into snow on LI as temps drop into the low 30s.Once the storm passes, Thanksgiving is forecast to be mostly cloudy with temps in the high 30s and low 40s, with the same weather on tap for the Black Friday holiday shopping season kickoff and through the is reporting that the gusts from the remnants of the storm may make it difficult for floats in the Macy’s Thanksgiving Day Parade to continue on their way through Manhattan.“The Macy’s Thanksgiving Day Parade takes place rain or shine as it has on numerous occasions in the past,” said Macy’s spokesman Orlando Veras. “Macy’s Parade officials have been monitoring the weather on a daily basis, but at this time, it is too early to make any determinations on the flight of our giant balloons on Thanksgiving Day. Based on city regulations, no giant character balloon will be operated when there are sustained wind conditions exceeding 23 mph and wind gusts exceeding 34 mph.He added: “On Parade morning, Macy’s and the NYPD will determine based on real time, on the scene weather data from various sources including our own on-site meteorologist, whether the giant balloons will fly and at what heights.”last_img read more

Loan officer best practices to keep your lending process running strong

first_img 72SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Alison Barksdale Alison Barksdale is the Assistant Vice-President of Marketing for CU Members Mortgage and has worked in the field of marketing since 2000. Her various positions within the field of marketing … Web: Details It’s easy to get a bit complacent in your processing, but this complacency can lead to disaster if you’re not careful with your vigilant awareness of regulation, rates, member needs, protocols, etc. Not good if you’re looking to maintain or enhance your credit union’s mortgage lending performance – especially in today’s highly competitive marketplace.To help keep you on the straight and narrow – and lending business running at peak levels, here are four loan officer best practices to consider adopting at your credit union:1. Organization – This may seem so basic and fundamental, but think about how many emails you receive a day and how many phone calls you may have to return.  In most cases, juggling a prospecting list along with current clients – all with different stages of need and all in different stages of the loan process is a rather cumbersome activity.Whether you are color coding emails, keeping a tickler file or just running from to do lists, find a method that works best for you and reap the benefits of a smoother experience for your members.  Organization of your files often means whether or not you meet your deadlines or whether or not they are homeless waiting for the keys to their new home.2. Communication – Borrowers are expecting things to be stressful and chaotic, but you can take that out of the equation with straightforward and direct communication.  Once the member’s loan is active, provide straightforward emails with a checklist of what is needed with easy to understand information.  Being clear and concise in your communication will reach higher member satisfaction.Plus, it’s not just what you are saying, but how you are saying it.  Casual, short, abrupt, and incomplete conversation, whether email or phone calls, are signs of laziness.  Laziness in your writing and speech shows you don’t care about your work and conveys to the member you don’t care about them. You don’t have to be cold and unfriendly, but you must pay attention to the details. Watch your tone and make sure you are responding the way the member prefers to be reached and when.   Listen to the member and become an advocate for them. Keep accuracy and communication style in the front of mind.  This will maintain a high level of trust and confidence in your abilities.3. Timeliness – This isn’t just making a closing, this is responding to every aspect of the members’ needs along the way quickly – with accurate and precise information.  If a member contacts you for a “pre-qual” letter, even if it’s the fifth time, respond quickly.  It can determine whether or not they get the house.  If they are calling with a question, impress them with your service by responding quickly and accurately.  And, if you don’t know the answer to their question, let them know you will get back with them as soon as you gather more information – and then follow through.Even if your member is very slow to respond to you, ensure you are responding to them and their needs quickly.  If you are faced with a problem, handle it quickly.  Festering problems become larger issues.  Learn how to overcome out-of-the-box scenarios such as self-employed borrowers. So when they do apply, you know how to handle them.  In this business, time is money and a delay can cost you and your members.4. Education – Helping educate the member before, during, and after the lending process is key to building rapport. It builds trust and confidence in you as a lender and helps the member determine if you are really there to help.  Set proper expectations by teaching members about how the loan process works.  If they’ve been through it before, explain what’s changed.  Give them information about what products they have available for them and help them understand why others won’t work.  Never delay to provide them details of the latest training opportunities. Be transparent to build a long-lasting relationship.  If you’re looking to maintain or enhance your credit union’s mortgage lending performance – especially in a highly-competitive marketplace, even the simplest of items matter to maintain and retain the member’s trust with their mortgage lending needs. This trust ultimately leads to return business, word-of-mouth advertising, the building of your reputation, and so much more. It all adds up to maintaining or even enhancing your credit union’s mortgage lending business.last_img read more

Electronic payments and online opening of a checking account

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » Over the past couple of weeks, we have received questions about whether credit unions can place a hold on ACH transfers that will be used to fund the online opening of a checking account or make the funds available the day the account is opened. The fact pattern is something along the lines ofA member opens up a checking account online; andThe member intends to fund the opening of the account with an ACH debit transfer initiated by the credit union.Section 229.10(b)(1) of Regulation CC generally requires that funds deposited into a checking account by an electronic payment be made available the next business day following the banking day on which the credit union received the electronic payment. And an electronic payment is considered received under Regulation CC when the credit union receiving the payment has received “(i) payment in actually and finally collected funds; and (ii) information on the account and amount to be credited.” See, 12 CFR § 229.10(b)(2)(i) & (ii). So the answer seems pretty straight forward. It appears that the funds need to be made available the next business day, and none of the exception holds described in section 229.13 apply to electronic payments.last_img read more

Yes, a chatbot can benefit your credit union. Here’s how.

first_imgHow often do you chat with a chatbot?Do you ask Alexa to turn on your lights and play your favorite songs? Does Google Assistant set your alarm clock and keep you updated on the weather? Do you receive product suggestions and make payments through Facebook Messenger?All of these activities are possible thanks to chatbot technology. And while big brand names tend to dominate our thinking about chatbots, the reality is that the technology isn’t just for huge conglomerates. Chatbots can help organizations of all types and sizes deliver a forward-thinking and highly personalized experience to their members.Can your credit union benefit from a chatbot? In a word, yes. On September 25 at 2pm ET, Alacriti will host a webinar with NACUSO to tell you how. Join us to learn:The definitions of chatbots, artificial intelligence, natural language processing, machine learning, and virtual assistants…and how they all work togetherThe correlation between the proliferation of chatbots and ownership of mobile phones and connected devicesReal-life use cases of chatbots for retailers, service providers, and financial institutionsSpecific benefits that chatbots can deliver to credit unions including innovative customer service and on-demand billing and paymentsClick here to register. We look forward to chatting with you! 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

CFO Focus: A 7-step guide to creating a dynamic ALCO

first_imgFollowing the financial crisis, the importance of having a prudent asset/liability management committee in place became abundantly clear. The Fed’s recent emergency rate cut in response to the coronavirus’s risk to the economy has many ALCO committees across the country ramping up efforts to support their credit unions’ performance. The event has highlighted the importance of creating a proactive—versus a reactive—committee.  In the long term, credit unions will benefit from transforming their ALCOs from backward-looking, reporting-focused cost centers into dynamic, outcome-based committees that inform profitable decision-making.Comprised of key decision-makers, ALCO members often include board members, the credit union’s president or CEO, the chief financial officer, the head of compliance, and other senior team members, ALCOs are often viewed as a check-the-box regulatory requirement, responsible for overseeing balance sheet risk management. By implementing the seven steps below, credit unions can shift their ALCOs from cost centers to a catalyst for growth and profitability.Step 1: Review capital planningKeeping the right level of capital at a credit union requires building a balance among growth, risk, and return. Credit union boards and ALCOs must actively assess risks and hold capital levels commensurate to those risks. The first step in supporting a dynamic ALCO is for the board and senior management to review your credit union’s capital planning process. Does it combine the credit union’s strategic planning goals with its market opportunities to arrive at planned growth, earnings and capital levels? Is the board assessing potential risks within the plan to ensure it has held enough of a buffer to withstand unforeseen changes? continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

The view in Georgia: Officials will soon give an update on counting remaining ballots.

first_imgA mere 100,000 votes currently separate the two candidates in Georgia, with President. Trump currently leading with 50.5 percent of the vote, or 2.38 million votes.Most of the remaining ballots are believed to be from metropolitan Atlanta and other Democratic-leaning areas of the state that are believed to favor his challenger, Joseph R. Biden Jr. With attention focused on Georgia and its 16 electoral votes, the state’s top election official, Secretary of State Brad Raffensperger, was slated to hold a news conference on Wednesday morning to discuss the number of uncounted votes remaining, and how long they will take to process.A total of 1.8 million absentee ballots were requested in Georgia and an estimated 1.25 million returned. It was not immediately clear on Wednesday morning how many of them remained uncounted, but the figure was believed to be in the tens of thousands.- Advertisement – The counting process can be labor-intensive. Ballots must be manually removed from envelopes by election workers, then placed in scanners for tabulation. In some cases, they require human review for verification.There were also problems in several counties that caused delays in the processing on Tuesday. In Fulton County, the state’s most populous and home to Atlanta, officials had initially said they hoped to have ballots fully processed on Election Day.But a water pipe break in a room being used by Fulton County to process those ballots disrupted operations Tuesday morning, delaying the counting of an estimated 50,000 ballots.- Advertisement – Northwest of Atlanta, in suburban Cobb County, roughly 15,000 absentee ballots had yet to be processed on Wednesday morning, according to the county’s elections and registration director, Janine Eveler. Those should be processed on Wednesday or Thursday, she said. Georgia’s voters were able to submit absentee ballots through drop boxes around the state as late as 7 p.m. Tuesday. After collection, they had to be delivered to elections offices before they could be counted.- Advertisement – Additionally, 882 provisional ballots are expected to be processed on Friday, as are ballots cast by uniformed and overseas citizens, and those with missing or mismatched signatures that must be fixed and verified, or “cured by affidavit,” Ms. Eveler said. – Advertisement –last_img read more

Retailers want a piece of the action in Buchanan Galleries

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Cyclone Harold tears through Vanuatu, bears toward Fiji

first_imgTropical Cyclone Harold lashed the South Pacific island of Vanuatu for a second day on Tuesday, ripping off roofs and downing telecommunications, and was moving towards Fiji where it is expected to slightly weaken.The powerful cyclone made landfall on Monday in Sana province, an island north of Vanuatu’s capital Port Vila, with winds as high as 235 kilometers an hour knocking out communications overnight, according to reports by the government’s disaster and weather bureaus.The province of Sana sits on the biggest of Vanuatu’s 80 islands and is home to its second-most populous city, Luganville, where photos circulated on social media purported to show buildings flattened by the storm. The winds blew roofs off houses, tore down trees and destroyed a council building in Luganville, which has a population of 16,000, according to a Radio New Zealand report.Vanuatu’s National Disaster Management Office said in a social media post that officials were expected to survey the area later in the day to assess the damage.Gusts were expected to drop to 110 km per hour (68 mph) as the system tracks south east away from Vanuatu later on Tuesday, and approaches Fiji, Vanuatu’s weather bureau said.Fijian authorities issued a tropical cyclone alert for some of its southern islands.Cyclone Harold is expected to skirt the main island of Viti Levu, coming around 230 km from the main transport hub of Nadi, about 6:00 a.m on Wednesday (1800 GMT Tuesday), Fiji’s weather bureau said.The alert was in force for islands further south including Lomaiviti and the Southern Lau Group. A strong wind warning and damaging heavy swell warnings are in place for the country. Fiji’s meteorological bureau also warned of the risk of flash floods.  Topics :last_img read more

This modern family home offers plenty of room and privacy for all

first_imgThe home at 16 Ashley Road, Chermside WestMrs Grant said they loved the privacy and seclusion the property offered.“Our neighbours on either side are hidden by greenery, and behind us is the John Goss reserve,” she said.“The outlook from every room is so private, you never have to close the curtain.“We’re surrounded by nature. “It feels like you are living in the trees.”More from newsFor under $10m you can buy a luxurious home with a two-lane bowling alley5 Apr 2017Military and railway history come together on bush block24 Apr 2019The home at 16 Ashley Road, Chermside WestOn the ground level, there is an entryway that opens out to a large open-plan living and dining area, kitchen and covered patio.There is also a laundry with storage, bathroom and in-ground swimming pool.Upstairs, there is a master suite with walk-in wardrobe and an ensuite. 16 Ashley Road, Chermside WestTHIS home is a private sanctuary in a bustling suburb.Owners Neil and Julia Grant purchased the property at 16 Ashley Rd, Chermside West, in 2008. Inside 16 Ashley Road, Chermside WestThere are also two additional bedrooms, each with built-in wardrobes, a bathroom and covered deck that is accessible from the hallway, master suite and one of the additional bedrooms. The property also has a separate granny flat with a bedroom, bathroom and living space, which Mrs Grant said they added to the property.center_img The granny flat at 16 Ashley Road, Chermside West“We have a lot of extended family who come and stay for long periods of time,” she said.“It’s nice to be able to offer them their own space.”Mrs Grant said she loved the “remote feel” of the location and its proximity to amenities. “There’s so much wildlife around us,” she said.“We’ve seen kookaburras and wallabies.“I cannot believe how close we are to the city. It feels like we should be living on acreage.”last_img read more