Want to grow? Fire someone!

first_imgOkay, that sounds a bit harsh, but there’s some truth to it. In every organization, business, bank, or credit union, there is someone (or a group of someones) hindering success. Why? Spin the wheel and pick a reason.Often when we are onsite with a client assessing their marketing, we find somebody who is a roadblock to success. There are various reasons. Don’t just look for a generational villain. Search for the one who is not pulling their load. Spotlight your front line. Inspect your corner offices.Assessing team members isn’t always a function of marketing, but it should be. Think of every dollar you spend on promotions. Then consider the level of frustration you have when it doesn’t turn into desired loan growth or deposit improvement. The first finger is always pointed at marketing, but should it be? continue reading » 17SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

The proposal of the Law on Maritime Property and Seaports was presented

first_imgAs the goals of the new Law on Maritime Property and Seaports, which was presented today at the session of the Tourist Business Council of the Croatian Chamber of Commerce by State Secretary in the Ministry of the Sea, Transport and Infrastructure Maja Markovčić Kostelac, the need for maritime property as a specific concession object was clarified. which meet investors-concessionaires and potential concessionaires in practice and respect for the maritime domain as an ecologically and touristically important element of Croatia’s identity in Europe and the world. “We have high expectations from this law, as well as from the Law on Tourist Land, as the flywheel of a new investment cycle in tourism. Currently, the law in some segments does not take into account the situation on the ground, and there is a legal mess regarding concessions because it is not harmonized with the Law on Concessions. Another problem we face is of a land-book nature. Based on the views received so far by the members of the Croatian Chamber of Commerce on the draft law, there are opposing views, but we hope that, guided by the principles of economic efficiency and sustainability, we will reach a compromise., “Said the Vice President of the Croatian Chamber of Commerce for Agriculture and Tourism Dragan Kovačević, emphasizing that the Croatian Chamber of Commerce will submit the collected opinions to the Ministry and that from now on the sessions of the Tourist Business Council will be thematically conceived with regard to current segments of the tourism sector.State Secretary Maja Markovčić Kostelac pointed out the Law on Maritime Property and Seaports as the most important for economic development and preservation of the sea and coast as the most important resources, along with the Maritime Code and the Law on Harbor Master’s Offices as a remnant of the Ministry’s legislative framework. announced the recent opening of a public hearing on the proposal.Hotel & Marina Nautica, Novigrad / Photo: Photo: Ziga Intihar”With the proposal of the Law, we want to increase the competitiveness of the economy, reduce administrative barriers and achieve a balance in all this, given the need for simultaneous protection of resources. The zero point in this is the determination of the border of the maritime domain and the acceleration of the process of registration of the maritime domain. The new Act sets a three-year deadline for determining the maritime domain boundary for the entire coast. Competence for determining the border is transferred to the units of regional self-government, and an urgent procedure for registration is prescribed, “Said Markovčić Kostelac.Markovčić Kostelac also touched on the issue of illegally constructed buildings on the maritime domain, which the goal is to legalize if they are not contrary to the spatial plan of a certain area. She also pointed out the maritime inspection as one of the weak points, whereby the new law would expand the powers of the existing inspection, and give new ones to communal and port wardens.For the economic use of maritime property, two institutes are established, concessions and permits. Markovčić Kostelac pointed out the possibility of introducing only a permanent part of the concession fee for individual concessions, and based on the conducted zoning of the coast, the initial amounts of the concession fee for each individual economic activity and zone will be determined. Revenues from licenses on the maritime domain are divided equally in half With the aim of raising the competitiveness and efficiency of ports open to public traffic, the Port Authority becomes responsible for the direction and traffic of cargo and passengers with the basic goal of economic growth of the port it manages. Investments in the port should be exempted from paying the utility fee by the new Law, and in terms of revenues from the concession fee, the fee for maritime property paid by boat owners for personal needs would be abolished. Revenues from the concession fee would be divided as follows: 35% in favor of the budget of the local self-government unit, 35% in favor of the regional self-government, and 30% in favor of the state budget. Revenues from licenses on maritime domain are divided so that 50% goes to the budget of the local unit, and 50% to the budget of the regional self-government. After the presentation of the bill, during a discussion with representatives of the tourism sector, State Secretary Markovčić Kostelac pointed out the issue of granting concessions for beaches as allocating a large area to one business entity can have a negative effect on the rest of the economy and the whole place.Representatives of the sector, specifically hoteliers and camp owners, pointed out that the beach directly in front of the facility is a key part of their offer and maintaining the desired categorization. As one of the solutions, they proposed the introduction of the right to a certain advantage to the concession, and pointed out the problem of expiration of concessions, where representatives of hoteliers and camps proposed that in upcoming tenders can be valued concessionaires who have previously managed certain maritime assets and invested into him.last_img read more

Letters to the Editor for Sunday, Nov. 17

first_imgArea lost an icon in Raymond ZantaAnother icon passes away with the passing of Raymond Zanta. Our area has lost a great man who was a mentor to many barbers in our area plying their trade over his past 64 years. Besides his many civic achievements mentioned in his obituary, he was also a member and fine supporter of his Barbers Union Local 107. Rest in peace my friend. I remain one of your early students.Richard DiCristofaroRotterdam JunctionIf no pressure, then no impeachmentPresident Volodymyr Zelensky of Ukraine, “ There was no pressure.”End of impeachment inquiry.However, the Democrats have chosen to start the circus back up with this. They take a secondhand (maybe third or fourth) account from an unknown “whistleblower” and run with it. Crazy is as crazy does.Brian BaldwinBurnt HillsManage your money better to pay off debtStudent debt is a hot topic right now. Should it be forgiven? Some of my friends seem to think, so according to the memes they regularly post.But many of those friends also “live their best lives” buying houses at the edge of bank approval, taking expensive vacations, buying new cars or constantly posting pictures of meals at restaurants.Through purposeful decisions and a planned budget, I paid off my student debt. I know what it’s like to feel like it is impossible to pay off such overwhelming amounts of money, but I did it and so can everyone else.The answer is money management, not putting the burden on taxpayers, many of whom have not acquired student debt of their own. There are financial advisers that can help create payoff plans or online financial videos and websites to help you do it yourself, such as my favorite, Dave Ramsey’s Debt Snowball Plan. Take control of your finances and take control of your life.Christal Wheeler-ClelandScotiaMore from The Daily Gazette:Foss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Thruway tax unfair to working motoristsGov. Andrew Cuomo’s press conference for Sunday, Oct. 18EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Find a way to get family members into nursing homes Categories: Letters to the Editor, OpinionCome up with better plan for McDonald’sI attended the recent meeting at which plans for renovating McDonald’s were discussed (“Plans emerge for upper Union Street McDonald’s renovation in Schenectady,” Nov. 7).I was deeply disappointed in the plans for the site. I have concerns about both safety and aesthetics.Safety: The developers suggest adding an egress onto Union Street, creating another driveway across the sidewalk in this pedestrian-heavy neighborhood.They did not share traffic data, but it seems inevitable that adding another drive-through would increase the number of cars visiting the site. A similar McDonald’s is located on Route 50 in Glenville, a four-lane road with a turning lane.Aesthetics: The developers plan to demolish the building that currently houses Mr. Wasabi and Simon’s Menswear.It seems the McDonald’s building itself will stay about the same size but will be shifted 25 feet closer to Keyes. This means the parking lot on the Dean Street side of the site will get approximately 25 feet wider. Site plans also showed almost no landscaping to screen the huge expanse of blacktop from the neighborhood.So much work has gone into making the Upper Union Street corridor what it is today; shops and restaurants clustered in a walkable setting, with a harmonious business image.The McDonald’s as presented, taking up more than half a city block, would be unsafe and a blemish in an otherwise attractive district.If developers cannot come up with a better plan, I hope the Planning Board will reject the project.Gillian ScottSchenectadyState bail reform bill needs to be revisedWhile I fully support responsible bail reform, I voted no on the legislation set to take effect next year.I can agree that there’s no reason to hold non-violent minor offenders who pose no danger to public safety on cash bail, but this legislation goes too far.Under the new law, beginning next year, police will be forced to release criminals of violent crimes, burglaries, drug trafficking and grand larcenies.Any reform package should allow judges to hold offenders that pose a danger to others based on the seriousness of each crime and prior offenses.Keeping our communities safe is a continuing challenge. Our police departments and law enforcement agencies work at that challenge every day.But this new law makes the work of deterring crime much more difficult. The state Legislature should reconsider this bill altogether before it begins to eat away at public safety.As legislators we cannot lose sight of what it takes to keep crime down.Angelo SantabarbaraSchenectadyThe writer represents the 111th Assembly District in the state Legislature.last_img read more

Going for Gold

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Honduras bank to expand ‘green’ loans

first_img 79 Views   no discussions Share Sharing is caring! LifestyleMoney Honduras bank to expand ‘green’ loans by: – July 29, 2011 Tweetcenter_img Logo of the Inter-American Bank. Photo credit: smartcampaign.orgWASHINGTON, USA — The Inter-American Development Bank (IDB) has announced the approval of a $30 million green line facility for Banco Atlántida of Honduras to support its loans to environmentally sustainable projects. The medium-term financing facility consists of a $20 million senior A loan from the IDB and a senior B loan to be syndicated by the IDB, targeted at $10 million.Banco Atlántida is in the process of developing a “green” portfolio of loans directed at small and medium-size corporate borrowers that will cover a number of eligible sectors, including renewable energies, energy efficiency and biofuels, among others.“The IDB looks forward to enhancing its support to Honduras through this new green line as we advance in our efforts to serve key economic sectors for our development strategy,” said Daniela Carrera-Marquis, chief of the IDB’s Financial Markets Division. “In addition to generating important environmental benefits, this investment will increase the availability of much needed medium- and long-term funding for local small and mid-size corporates, key drivers of employment generation in Honduras.”The growth of a long-term sustainable lending portfolio in Banco Atlántida will contribute to the marketability of a business line that can scale up sustainable investments while demonstrating its environmental and commercial attractiveness. “Financial institutions can be important agents of positive change due to their ability to identify and leverage new sustainable initiatives,” said IDB project team leader Gema Pérez.As part of the financing, the IDB will support Banco Atlántida in the development of green line eligibility criteria to determine the process for identifying, selecting, and monitoring green projects.“We are pleased to partner with the IDB and work together to achieve a positive impact in the Honduran competitive environment, promoting a more sustainable economy and investments with a strong economic base,” said Banco Atlántida Executive President Guillermo Bueso Anduray.Caribbean News Now Share Sharelast_img read more