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Tips on how your credit union should (and should not) respond to negative Facebook comments

first_imgNo matter how hard you try to avoid it, eventually someone will say something not-so-nice on your Facebook page. And the delete button should only be used in situations that have no way of being resolved.Here are 5 ways you should respond to negative Facebook comments.1. Pick Your Battles:Sometimes you have to follow the rule “the customer is always right.” The picture below shows a meme of a “Sea Horse.” Although this was a play on words (we were not talking about an actual seahorse) by agreeing with the comment, we turned this into a positive experience. No need to get into a grammar debate about something silly and fun. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img

What now, Lieutenant?

first_imgA friend of mine was a Lieutenant in the Marine Corps and led a platoon in battle. He told me the worst feeling he had in combat was when his troops would look at him after plans A, B, and C failed and ask, “What now, Lieutenant?” There was no plan D. I imagine that the world’s Central Bankers are experiencing a similar feeling these days.With regard to the European Central Bank (ECB), the Bank of Japan (BOJ), and perhaps even the Federal Reserve (Fed), it appears they have used every plan in the playbook, and have even created a host of new ones, with very little to show for their efforts. I believe one of the Central Banks’ greatest fears is the perception that they are powerless. It appears perception has become a reality. Even the Fed is down to their last bullet: one measly 25 basis point rate cut and that’s it. Except for a couple of outliers, I don’t think any Fed governor has the stomach for Negative Interest Rate Policy (NIRP), mainly because it’s just a stupid and dangerous policy.If anything, the Fed may have actually eased this week with Chairwoman Yellen’s speech on Tuesday. She said, “I consider it appropriate for the committee (Federal Open Market Committee) to proceed cautiously in adjusting policy. This caution is especially warranted because, with the federal funds rate so low, the FOMC’s ability to use conventional monetary policy to respond to economic disturbances is asymmetric.” Additionally, since the March FOMC meeting, the Fed has talked about letting the unemployment rate run below the Non-Accelerating Inflation Rate of Unemployment (NAIRU). This is essentially moving the goalpost on their inflation and growth targets in order to push back the levels they would have to see in order to move forward with monetary policy normalization. This is why the market has swiftly taken FOMC rate hikes out of 2016 as evidenced by a 75 basis point two-year Treasury note. 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

5 Greatest things Lionel Messi did in 2019

first_imgAdvertisement zNBA Finals | Brooklyn Vsbbh7Wingsuit rodeo📽Sindre Ebv2yn( IG: @_aubreyfisher @imraino ) lwpWould you ever consider trying this?😱1zCan your students do this? 🌚bymzRoller skating! 7bn2jsSee more on YT⬇️⬇️⬇️See more6pdBody tricks that only special people can do pt-1hhkohHow though? 🤔😂#AdrenalineJunkies458i4mA visualization of how Karma works hn9at58rkdPowered by Firework 2019 ends tomorrow and FC Barcelona forward Lionel Messi enjoyed yet another year of unprecedented success; smashing goals and records throughout the last twelve months. The Argentine has scored 50 or more goals in a single calendar year nine times since the inception of this decade and to put that in simple terms; you need to score at least 40 goals per season for the next 15 years but you’ll still find yourself way behind the modern day great. Advertisement Picture Credit: Getty ImagesAlthough glory with his beloved Catalonian club was restricted to a league title this year, Messi enjoyed a neat season with some spectacular display almost every week. But despite having a somewhat fruitful campaign with Barça, Messi’s prolific year halted for a while after Argentina was knocked out by eventual champions Brazil at the 2019 Copa America in July.The 2019-20 season started with an injury; ruling the 4-time Champions League winner out for a couple of months. But since his return normal services have been resumed. Messi scored successive La Liga hat-tricks at home against Celta de Vigo and Real Mallorca which saw him equal and then surpass Cristiano Ronaldo’s record 34 La Liga hat-tricks. And as of now he has netted 13 times and assisted 6 in 13 league matches while his European tally for this season stands at 2 goals and 3 assists in 5 games.Advertisement But these records are normal given his standards. Let’s take a look at the greatest things Messi did in 2019.1: First player to score in 16 consecutive La Liga seasons and 15 consecutive Champions League campaignsAdvertisement Picture Credit: UEFAOn October Barcelona faced Sevilla at the Camp Nou and goals from Luis Suarez, Arturo Vidal, and Ousmane Dembele in the first half, gave the Blaugranas a comfortable 3 goal lead. But Messi being Messi, put the icing on the cake with a sublime goal in the 78th minute, and as a result, he became the first player to score in 16 consecutive La Liga seasons.17 days later, Messi drew the first blood for Barcelona in a 2-1 victory over Czech side Slavia Praha and in the process, became the first player ever in the competition’s history to score in 15 consecutive seasons; breaking his previous record which he shared with Real Madrid legend Raul Gonzalez and Karim Benzema.2: The 6th Pichichi awardMessi’s tally of 36 league goals last campaign helped Barça win their 4th La Liga title in 5 seasons. Therefore, the committee had little trouble awarding Leo his 6th Pichichi award (top-scorer in a La Liga season). With this feat Messi equalled Telmo Zarra’s achievement, which was set six decades ago. Number 7 isn’t that far.3: Record for the most European Golden Shoe Every prolific striker in the world dreams to win the European Golden Shoe at least once in their career. Messi has 6 of those. ‘La Pulga’ extended his record for the most European Golden Shoe victories with his 36 goals for Barcelona and also became the first player to win the award for three consecutive seasons. Something we won’t be seeing anytime soon.4: Scoring against 34 different teams in the Champions LeagueIn November Barcelona faced Borussia Dortmund in their Champions League group-stage clash at the Camp Nou and that day Messi became the first player in Champions League history to score against 34 different opponents as he scored his team’s second goal in the 3-1 victory.Picture Credit: UEFAThe Barça captain has netted 9 times against Arsenal in the European league, while his record 26 goals against English Premier League clubs is the most he has scored against clubs from any country. We’re pretty sure he’d do well on a rainy night in Stoke.5: Record breaking 6th Ballon d’OrThe biggest award in football saw change of ownership last year; after Luka Modric took home the golden ball, ending the 10-year duopoly of Lionel Messi and Cristiano Ronaldo. With both Messi and Ronaldo tied at 5 apiece, it was always going to be a feisty battle on who gets to lift the next one. But Ronaldo’s form dipped at his new club and following his goal-scoring exploits this year, Lionel Messi became the first player ever to win 6 Ballon d’Ors on 2nd December 2019.But these records doesn’t bother Messi at all. After a successful 2019, Rosario’s favourite son is already well on his way to achieve several more personal milestones next year. Watch this space.Read Also: Lionel Messi wins record 6th Ballon d’Or as Virgil van Dijk comes in second5 best La Liga goals of 20193 problems Barça boss Ernesto Valverde must resolve before it’s too late    Advertisementlast_img read more