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U.S. Cuts 2016 Coal Production Outlook

first_imgU.S. Cuts 2016 Coal Production Outlook FacebookTwitterLinkedInEmailPrint分享Molly Christian for SNL:The U.S. government cut its coal production outlook for 2016 as the year began with the lowest monthly production total since July 1983.The U.S. Energy Information Administration estimates that domestic coal production totaled 59 million tons in January, a 7% decline versus the prior month. The government agency expects that U.S. coal production will total 834 million tons in 2016, a 2.2% decline versus the prior outlook and a 6.4% decline versus the prior-year total of 890 million tons. For 2017, the EIA expects that coal production will rise 0.9% to 841 million tons, a 0.3% decline versus the prior outlook.The government agency expects the Interior region to account for 20% of domestic production in 2016 and 2017, up from 13% of production a decade ago, as production declines at a slower rate than that of the Appalachian and Western regions.“This increase in share reflects the [Interior] region’s growing competitive advantages compared with other U.S. coal-producing regions, [including] higher heat content, closer proximity to major markets than Western region coal, and lower mining costs than Appalachia-produced coal,” the report said.Meanwhile, the EIA expects power-sector coal demand will remain flat as increased demand resulting from rising natural gas prices is offset by growing renewables penetration of the power market and coal plant retirements. The government agency projects that power-sector coal demand will slide 0.1% to 746 million tons in 2016, a 0.9% decline versus the prior outlook, before recovering 0.5% in 2017 to 750 million tons, up 0.9% versus the prior outlook.Full articlee ($): US government trims coal production outlook, projects demand to remain flatlast_img read more

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Generational relativity & payments preferences

first_imgWhen it comes to innovation and implementing change, credit unions have many things to consider, including cost to implement, deployment strategy, security and compliance, and employee and member onboarding—among other things.For many organizations, generational preferences are the driving force behind improvements and innovation, propelling credit unions and their partners to remain focused on staying one step ahead of technology and consumer trends.One thing that the data does agree on is that all consumers, regardless of age, are starting to migrate from traditional payment methods, opting for digital payments. For financial institutions competing with fintech disrupters, inertia is not an option—they must innovate to meet the payment preferences across the generational divide. In this article, we’ll take a look at recent industry trends and evaluate the payment preferences of the different generations to help your credit union develop the best strategy for improving every member’s experience. Baby Boomers (1944-1964)Born in droves in the years after World War II, baby boomers are currently in their mid-fifties to mid-seventies. Although it is a common industry misconception that the younger generations are forcing financial institutions and payment acceptance providers to innovate, provide cashless only options, and remove all friction from the buying process, baby boomers are actually just as put-off by inconvenience when it comes to making payments as their millennial and Gen X counterparts. Debit has evolved from being a youth-focused payment method to being the payment option of choice for 171 million U.S. consumers,1 becoming the number one most-used payment method across nearly all age segments. In fact, 77% of baby boomers use debit and credit cards.2 For credit unions, options are key when it comes to debit card payments. Giving all of your account holders, regardless of generational affiliation, options that include different reward programs, fee structures, and cashback options could be the difference between deeper wallet share—or a one-and-done borrower.Gen X (1965-1980)Born between 1965 and 1979, Gen Xers lived through the end of the Cold War and Watergate. Gen Xers have the highest total debt of all age groups, and only 42% of them pay off their credit card balances each month.3Overall household credit card debt has steadily risen over the last five years, sitting at $1.3 trillion more (in nominal terms) than the previous peak in 3Q 2008.4 So, while credit cards cannot be used on loan payments, in most cases, credit cards are very much a part of the daily purchasing habits of many U.S. consumers.Millennials (1980-1995)Everyone knows that millennials are digital natives, but simply having an online banking site doesn’t mean you’re providing all the convenience millennials seek. You have to optimize your website and online banking portal for how millennials use them.Although millennials are thought of as one group, there are actually two distinct subgroups that make up this demographic:Older Millennials (1980-1988)Younger Millennials (1989-1995) Having grown up with the internet, both older and younger millennial consumers expect easy access to information—when they want it, where they want it, and in whatever channel they choose. They hold a high comfort level when using mobile devices as part of a multichannel experience and are using mobile to connect the online and offline worlds. Although the emerging omni-channel consumer is typically a younger person, there is a growing amount of overlap for this preference, even among baby boomers and members of Gen X. There are pockets of older consumers—primarily technology-savvy segments—that share the enthusiasm for mobile payments but also have strong cross-channel behaviors. In other words, just because mobile is a preferred method of payment for millennial consumers, convenience is still at the top of everyone’s list, and it’s important not to lose sight of other payment channels like online, IVR (Interactive Voice Response), cash (ex: MoneyGram), and customer service representative (CSR)-assisted.With more options than ever, today’s consumers want their payments experience to be fast, easy, and secure, with the latest and greatest technology. Providing a frictionless and diverse payment experience that is effective across the generational divide can help credit unions thrive in a competitive financial services landscape. The path forward will require a thorough understanding of your customer base, generational preferences, and trending payment technology.To learn more about how payment preferences differ across generations, download our ebook, Equal and Opposite Reactions: Payment Preferences Across the Generational Divide. Sources:1 Simmons National Consumer Study, Fall, 2017.2 https://www.pscu.com/eye-on-payments3 https://www.business.com/articles/kristen-gramigna-customer-payments/4 https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/hhdc_2019q3.pdf 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ali Masoudi A pragmatic, Ivy League educated and a recipient of Feigenbaum Medal presented by American Society for Quality (ASQ), Ali is an experienced product manager with 10+ years proven track record … Web: https://www.swbc.com Detailslast_img read more

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Root determined to captain ‘his way’

first_img(REUTERS) – England’s new Test captain Joe Root said he will try to put his “own stamp” on the team, but will seek advice from former skipper Alastair Cook and the other senior players whenever he needs to.Root described his elevation to Test skipper as a natural progression and said he was excited by the challenges that lay ahead.“It feels amazing,” he told Sky Sports yesterday. “I think as a young kid when you’re growing up you always aspire to be England captain. It’s sort of the pinnacle of the Test arena, isn’t it?”Asked about how his relationship with Cook – who resigned last week – would work, Root told the BBC that he was not afraid to ask for help.“It would be silly not to take advice from Alastair and the other senior players, but I will want to do things my way as well,” he added. “You shouldn’t be scared of asking for help, but I would also like to think I can put my stamp on it.”The 26-year-old said Cook had been in touch to congratulate him on his appointment and that the former skipper would continue to play a key role in the dressing room.“We’ve exchanged a few text messages,” Root said. “He’s tried to let me have a bit of space for now but I think we’ll definitely be in contact over the next few days.“One thing that Cookie will naturally do is let me go about things my way. He’s a very respectful bloke.”Root also dismissed concerns that a lack of leadership experience might hamper him in his new role. He has previously captained Yorkshire for four first-class matches, but has served as England’s vice-captain for the past 18 months.“I think I’ve played 50-odd Test matches now,” he added. “The experience in that arena counts for a lot. I think it’s very different cricket, Test cricket to county championship cricket.“Over the last couple of years I’ve had the added responsibility of the vice-captaincy.“For a while now, I’d like to think that even though I haven’t been captain I’ve been trying to think like a captain as much as possible to try and help Cookie out.”last_img read more

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Jumpstart’s ‘Read for the Record’ to be held at Wellington Public Library on Oct. 3

first_img Close Forgot password? Please put in your email: Send me my password! Close message Login This blog post All blog posts Subscribe to this blog post’s comments through… RSS Feed Subscribe via email Subscribe Subscribe to this blog’s comments through… RSS Feed Subscribe via email Subscribe Follow the discussion Comments Logging you in… Close Login to IntenseDebate Or create an account Username or Email: Password: Forgot login? Cancel Login Close WordPress.com Username or Email: Password: Lost your password? Cancel Login Dashboard | Edit profile | Logout Logged in as Admin Options Disable comments for this page Save Settings You are about to flag this comment as being inappropriate. Please explain why you are flagging this comment in the text box below and submit your report. The blog admin will be notified. Thank you for your input. There are no comments posted yet. Be the first one! Post a new comment Enter text right here! Comment as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Submit Comment Subscribe to None Replies All new comments Comments by IntenseDebate Enter text right here! Reply as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Cancel Submit Comment Subscribe to None Replies All new comments Submitted to Sumner Newscow — Jumpstart’s Read for the Record, presented in partnership with the Pearson Foundation, will take place at Wellington Public Library on October 3, 2013.Jumpstart’s Read for the Record is an annual reading celebration that highlights the need for quality early education in America by mobilizing adults and children to set a record for the largest shared reading experience. Record-breakers everywhere will be reading the official book of the 2013 Read for the Record Campaign – Otis by Loren Long – online at www.wegivebooks.org.On October 3, at 10 a.m., the library will host a special story time featuring Otis by Loren Long.Jumpstart’s Read for the Record is a call to action to Americans to recognize the importance of quality early education, especially for our most vulnerable children. When children start behind, they tend to stay behind. Wellington Public Library is proud to support this campaign. Lisa Vargas, Youth Services Director, will be available to visit preschools and elementary school classrooms throughout the morning to share the story of Otis.Parents and children that cannot make the 10 AM story time or any other reading around town are still encouraged to participate. A copy of the book will be available to check out in 10-15 minute intervals from the circulation desk so parents can still read the book to their children and record their participation on the record sheet.For more information on this event, please check the website, www.wellingtonpubliclibrary.org, the WPL FaceBook page, or phone (620) 326-2011.Since the campaign’s inception in 2006, more than nine million people have joined local Jumpstart’s Read for the Record reading celebrations; Jumpstart has raised more than $8 million to support its year-round work in preschools in low-income neighborhoods.last_img read more

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