Millennials are expected to overtake baby boomers in 2015 as the largest generation in the U.S., and with this in mind, it’s no wonder credit unions are eager to figure out how to improve tactics to fit in with millennial behavior.But how do you go about connecting millennials with your credit union? The answer is in the question itself. You have to connect with them. There may be a gap between credit unions and millennials, but we have some expert tips on how to bridge it. Here are five ways to connect with this essential demographic:1. Go heavy on video contentWe spoke to Jonathan, age 22, about how he likes to learn. He said that he is a visual person and loves to watch videos. This is a millennial norm. Maker Studios is the largest distributor of short-form video content in the world. They receive 11 billion monthly views, with 60 percent of their viewers between ages 13 and 34. Millennials are watching videos, and they’re watching lots of them. continue reading » 49SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
WE RECOMMEND 10 months ago Michael Jordan opens health clinic for underprivileged in Charlotte 10 months ago NBA legend Larry Bird is the inspiration behind the Twitter logo SUBSCRIBE TO US Written By WATCH US LIVE First Published: 21st October, 2019 14:23 IST 10 months ago Lakers, Clippers set to star in wide-open NBA season Thanks to a generous $7 million donation from @NBA legend Michael Jordan low-income Charlotte residents of all ages now have access to get the affordable medical care they need, with or without insurance. pic.twitter.com/dpJHVwCpmU— Novant Health (@NovantHealth) October 17, 2019 FOLLOW US Last Updated: 21st October, 2019 14:23 IST Michael Jordan Donates $7 Million To Open 2 Clinics In Charlotte NBA legend and Charlotte Hornets owner, Michael Jordan, opened a clinic in Charlotte, North Carolina to serve people who are uninsured and underinsured. LIVE TV COMMENT Michael Jordan has an estimated net worth of $1.9 billion and is a majority owner of the Charlotte Hornets. The basketball legend has increasingly contributed to philanthropic activities by hosting them or funding them in the past 2 years. Jordan hosted a charity golf tournament for 13 years and also opened Jordan Institute for Families at the University of North Carolina Chapel Hill’s school of social work in 1996.Also Read: Lakers, Clippers Set To Star In Wide-open NBA SeasonMicheal Jordan is one of the greatest basketball players in history. He spent 15 seasons in the NBA and won six titles with the Chicago Bulls. According to Forbes, the basketball legend is amongst the richest African Americans along with the likes of Robert F. Smith and Oprah Winfrey.Also Read: Andy Murray Battles Past Stanislas Wawrinka To Win The European Open Sreehari Menon NBA legend and Charlotte Hornets owner, Michael Jordan, opened a clinic in Charlotte, North Carolina to serve people who are uninsured and underinsured. The basketball legend donated $7.2million in order to build two Novant Health clinics in his hometown. Michael Jordan said that the donation is to make an impact in the lives of people after his donation helped build a state of the art facility.Also Read: Toronto FC Defeats D.C. United 5-1, Ends Wayne Rooney’s MLS CareerMichael Jordan: Making an impactMicheal Jordan committed $7 million to Novant Health to open two clinics in Charlotte. The donation came with a pledge to provide resources to communities with little or no health care. The clinic will offer typical primary and preventative care, but will also provide patients with behavioral health and social support services. The 6,800 square-foot facility is equipped with 12 exam rooms, an X-ray room, and a physical therapy space. In addition, a full-time social worker is on staff to provide social support services to patients.Also Read: Illinois Stuns No. 6 Wisconsin 24-23 On Last-second FG 11 months ago PM Modi an astute speaker & inspiration to world leaders: Vibhuti Jha
Chelsea’s Under-19 side thrashed Steaua Bucharest 5-0 in their final Uefa Youth League group game.Islam Feruz scored twice and there were also goals for John Swift, Alex Kiwomya and Ambrose Gnahore in the match at Chelsea’s Cobham training ground.The result meant the young Blues completed the group stage with a perfect record – six wins from six matches.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 Follow West London Sport on TwitterFind us on Facebook
By Mduduzi MalingaBrand South Africa in collaboration with the Edenvale Lions Basketball Academy, hosted the official opening of a basketball court in Edenvale, Ekurhuleni November 16.The basketball court was launched to improve the state of basketball as a sport in South Africa, by developing players who can compete at an international level, starting from the grass-roots level and across the board. The programme not only refines the players’ game and the teams collectively, but also develops them at an individual level through and integrating them into an inspiring environment that will change their lives for the better.The Edenvale Lions Basketball Academy is an idea born from a place of passion and love for the game of basketball and the community. They develop and mentor players of all ages and across all walks of life. They mainly participate at tournaments that are able to get the players to a point where they can compete on an international level.Brand South Africa is delighted to collaborate with the Edenvale Lions to drive a message that positions the country’s excellence in sport and contributes to nation building and social cohesion. This is aligned to Brand South Africa’s mandate to position South Africa as a globally competitive sporting destination of choice.Byron Pinheiro- Co-Founder said: “We are grateful for our on-going partnership with Brand South Africa and the opening of this court is the start of a new legacy for basketball in South Africa”.According to former President Nelson Mandela, “sport has the power to change the world. It has the power to inspire. It has the power to unite people in a way that little else does. It speaks to youth in a language they understand. Sport can create hope where once there was only despair.”About Brand South AfricaBrand South Africa is the official marketing agency of South Africa, with a mandate to build the country’s brand reputation, in order to improve its global competitiveness. Its aim is also to build pride and patriotism among South Africans, in order to contribute to social cohesion and nation brand ambassadorship.About Play Your PartPlay Your Part is a nationwide programme created to inspire, empower and celebrate active citizenship in South Africa. It aims to lift the spirit of our nation by inspiring all South Africans to contribute to positive change, become involved and start doing. A nation of people who care deeply for one another and the environment in which they live is good for everyone.Play Your Part is aimed at all South Africans – from corporates and individuals, NGOs and government, churches and schools, from the young to the not-so-young. It aims to encourage South Africans to use some of their time, money, skills or goods to contribute to a better future for all.
Although it may not be the obvious hero, Goldman Sachs — usually more Vampire Squid than White Knight — and its cohorts could be responsible for transitioning the renewables sector from a fragmented and esoteric industry to one of mainstream dominance. Goldman Sachs has facilitated the development of world-encompassing industries before and they will do it again.In its 2014 Annual Report, Goldman compares the potential of the renewables market to that of the Internet: “Mass market adoption of any new, disruptive industry often takes a path of early enthusiasm followed by market rejection, volatility and ultimately, acceptance. This was true of the Internet, and evidence suggests a similar course when it comes to clean technology and renewable energy.”The information revolution saw us move from only 1 percent of the world’s information communicated online in 1993 to 97 percent by 2007. In comparison, the U.S. Department of Energy’s goal to increase solar energy output from 1 percent to 10 percent by 2025 is modest, and yet would dramatically grow the renewables industry.Behind this growth are Goldman Sachs, Citi, JPMorgan and the rest of the institutional investment industry, moving increasing volumes of capital into this market as it matures and sheds risk. The capital markets are one of the most powerful forces humanity has created, and while occasionally (OK, often) it can go rogue, harnessing its power is the only realistic way that renewable energy will receive the investment capital needed to scale and have the impact we need. Financial innovationIt used to be that only the largest of financial institutions could invest in renewables, but new products are providing access across nearly every asset class. Over the past few years the introduction of green bonds, YieldCos (companies that predominantly distribute cash flows from owned operating assets as dividends or other payments to investors), and clean energy index funds, while still early, show promising initial returns, indicating that the market has an appetite for “green-backed” financial products. This contradicts the false assumptions that investing in the environment and investing for returns cannot co-exist.Today’s products are just the tip of the iceberg. Emerging solutions include more ways to repackage debt (such as renewable-backed securitized products or energy mezzanine financing) and financing constructs that generate revenue based on projected savings, such as social impact bonds.As Michael Eckhart, managing director at Citi, said in an interview with Clean Energy Finance Forum, “I think we are 40 years into a 100-year transition to a clean finance economy. The momentum is going in our favor and we are succeeding.”Like the tech industry, the renewables market has waxed and waned, but the constantly decreasing cost of technology drives both forward. As hardware costs continue to decrease and renewable equipment becomes more commonplace, software-based firms will build better mousetraps and bring new solutions to old problems.Underlying all this will be an infrastructure of capital flowing from one entity to the next, responsible for thousands (probably millions) of jobs and billions in global economic growth.If Internet-like growth is to be achieved, then we have reason to be optimistic about the future of our environment. Right now we may be at the stage with renewables of reading articles explaining what “www” means and why you can’t use a landline phone and the Internet at the same time.But it also means that across the country you have the renewable energy versions of Bill Gates, Steve Jobs, and Larry Page working in garages, developing innovative products we didn’t know we needed until they change the world. However, this time, there is one key difference: As markets mature, investments are made, and returns are reaped, not only Goldman Sachs profits. We all do. Bryan Birsic is co-founder and CEO at Wunder Capital, a renewable energy investment company in Boulder, CO. This blog was originally posted at TechCrunch. The “right things to do” make economic senseFlying less, recycling more, and being better to the planet are things we should all do; affordable renewable energy solutions and high-tech innovations are things we all have. But it’s clear these aren’t enough to change the course on which we find ourselves. Large amounts of capital are needed to advance renewable energy from fringe to dominance, which only the financial industry can deploy. Thirty years of technological advances provided the kindling, but it’s capital market gasoline that will really get things going.Right now there are (metaphorical) thick clouds of smoke billowing from the financial sector. Goldman Sachs is investing $40 billion in renewables by 2021. Citi has committed $100 billion to the facilitation of clean energy by 2025, and Berkshire Hathaway is investing $15 billion into solar and wind projects at Warren Buffet’s personal behest. Within investment banks, new groups have been created to focus on clean energy development and businesses, such as Morgan Stanley’s Institute for Sustainable Investing and JPMorgan’s Environmental and Social Risk Management division.These decisions weren’t made because they are the right things to do (although they are), but because they make economic sense. Renewables must deliver strong returns first, and the double bottom line impact of benefiting the environment second. This may seem calculated, but tapping capital markets is absolutely crucial to the health of the planet. Investing in clean energy is a smart decision — not just a personal passion — and that’s what will allow renewables to achieve global scale.To date, capital markets are igniting growth in renewables by reducing capital costs, investing in better ideas, and financial innovation. Investing in good ideasThe renewables industry wouldn’t be as advanced as it is today if not for the billions of investment dollars poured into it. In 2014 global investment in clean energy reached $310 billion. Cleantech firms raised over $18.7 billion and venture capital and private equity investment in the industry reached $4.8 billion. Early investment in firms such as SolarCity, Enphase, and Clean Power Finance accelerated the growth of solar by at least five years, transforming it to be today’s compelling power source.The energy industry is one of America’s oldest, and, as is happening in the fintech (financial technology) space, is being challenged by new market entrants who are using apps, the web, and SaaS (software as a service) products to make things faster, better, and smarter.From better underwriting models to products that provide greater control over home efficiency, such as the Nest thermostat, funneling investor capital toward good ideas that are bringing renewables to scale is increasing the industry’s size, influence, and accessibility dramatically. Reducing capital costsThird-party financing plays an important role in the capital markets, as one person’s loan is another person’s income. Providing affordable financing to cover any upfront clean energy adoption costs is one of the easiest ways to drive change at the consumer level. The P2P (peer-to-peer) lending space is booming with online alternative lenders, such as Lending Club, Prosper, and Fundera, and the model has taken off in the renewables sector.SunFunder and SparkFund are tackling renewable energy financing issues in emerging-market solar and energy efficiency, respectively. Reducing capital costs for individuals and small businesses creates a virtuous cycle: cheap capital expands the customer pool, which increases product demand, and that allows manufacturers to offer cheaper and cheaper panels, expanding the customer pool even more.The fuel of this virtuous cycle is capital, and the combination of flexible online solar lenders and institutional capital will amply provide for future growth. RELATED ARTICLES Rethinking the Grid Nine Surprising Signs That Momentum Is Building for Climate ActionHoping for a Climate Change BreakthroughTaking Action on Climate ChangeEarth Day 2014 and Climate ChangeHalf of All Americans Worry About Climate ChangeGood News Bad News With Climate ChangeSeeking Common Ground on Climate Change PolicyScience, Climate Change, and Policy
The International Cricket Council has sent an official notice to Pakistan wicketkeeper Kamran Akmal telling him that he is under investigation for allegedly fixing the Sydney Test.”Only months after clearing the Pakistan team of any wrongdoing in relation to the controversial Test, the ICC has written to Kamran to advise him he is now in their crosshairs for the Sydney debacle,” a report in the ‘Courier Mail’ said.Kamran had dropped four catches in the Sydney Test where Australia won the match from a losing position, rasing doubts of match-fixing. The ICC then investigated the matter and gave a clean chit to him.However, the world governing body was left red-faced after Pakistan opener Yasir Hameed reportedly claimed that the SCG Test was rigged and players involved in the corruption had pocketed USD 3 million for the staged loss.”ICC investigators have re-opened the SCG case and fingered Kamran as their primary suspect. But investigations aren’t moving at a fast pace, with the NSW Fraud Squad yesterday revealing they had received no contact from Scotland Yard detectives or the ICC,” the report said.Even as the investigators probe the SCG Test, Australian wicketkeeping great Ian Healy said Kamran could not have dropped those catches deliberately.”You couldn’t drop those on purpose the way he was,” he said.
Smashed fingers, causing direct trauma to one or more fingers, should initially be treated with ice to reduce swelling. If blood builds up under a fingernail, a heated wire may be used to burn a hole through the nail.Review Date:4/16/2013Reviewed By:C. Benjamin Ma, MD, Assistant Professor, Chief, Sports Medicine and Shoulder Service, UCSF Department of Orthopaedic Surgery. Also reviewed by A.D.A.M. Health Solutions, Ebix, Inc., Editorial Team: David Zieve, MD, MHA, Bethanne Black, Stephanie Slon, and Nissi Wang.
French Open winner Simona Halep will not be a part of Kremlin Cup in Moscow as she has still not completely recovered from a herniated disc that she suffered during the Wuhan Open earlier this month.Halep announced her withdrawal on Twitter on Tuesday, which led to further doubts on her participation in next week’s WTA Finals.Halep had sustained the injury while training for the Wuhan Open last month, where she lost in the second round. She then retired midway through her opener in Shanghai.”I really wanted to play here in Moscow, but unfortunately my back is still causing me pain and I don’t want to take any unnecessary risks,” Halep, who will still end the year as women’s world number one, tweeted on Tuesday.I really wanted to play here in Moscow, but unfortunately my back is still causing me pain and I don’t want to take any unnecessary risks.While it’s disappointing to withdraw, I know it’s important to put my health first. I wish the tournament great success pic.twitter.com/vqGiclchyDSimona Halep (@Simona_Halep) October 16, 2018″While it’s disappointing to withdraw, I know it’s important to put my health first,” the 27-year-old added.Halep had said on Monday that she would be “very doubtful” for this month’s season-ending WTA Finals if her injury prevents her from playing in Moscow.The French Open champion, who claimed her maiden Grand Slam title this year, was the first player to qualify for the Oct. 21-28 event in Singapore.advertisementHalep, on Monday, retained her number one spot in the WTA rankings. WTA announced that Halep will finish the year as women’s world number one for the second season in a row.The 27-year-old Romanian beat Sloane Stephens at Roland Garros to win her maiden Grand Slam title in June and will have spent 40 weeks at the top of the rankings by the end of the season.”Finishing the season as the world number one last year was a huge honour for me,” Halep said in a WTA news release.”To do it for a second time in 2018 feels like a special achievement, especially having also won my first Grand Slam this year.”It’s really tough to keep (the number one spot) because the pressure is every tournament… I feel like I’ve played a good level of tennis and I was consistent… consistent and strong, mentally and physically.”(With Reuters inputs)
TagsTransfersAbout the authorPaul VegasShare the loveHave your say DONE DEAL: Burnley striker Ntumba Massanka joins Racing White Daring Molenbeekby Paul Vegas10 months agoSend to a friendShare the loveBurnley striker Ntumba Massanka has joined Belgian third-tier side Racing White Daring Molenbeek on loan until June 30th.The 22-year old had spent the first half of season in the National League on loan at Dover Athletic, before returning to Turf Moor in January.The former Manchester United youngster has also had loan stints with Morecambe, Wrexham and York City since signing a professional contract at Turf Moor in 2015.R.W.D currently sit seventh in the Belgian First Amateur League and play their home games at Edmond Machtens Stadium on the outskirts of Brussels.The striker will be available for the Les Coalises’ match this weekend against RFC Leige.
Daniel James: Every Man Utd teammate has been greatby Paul Vegas6 days agoSend to a friendShare the loveDaniel James already feels at home with Manchester United.James says his new United teammates have helped make his move from Swansea City as easy as possible.He said: “They’ve all been great. I haven’t been here for long but I’ve made some great friends already and I think that’s so important when coming to a new club because you feel a bit intimated at the start, playing at such a big club.“Everyone has been great with me and I really thank them for that.” About the authorPaul VegasShare the loveHave your say