S&P: U.S. utility-scale solar installations surged in first quarter to almost 2GW FacebookTwitterLinkedInEmailPrint分享S&P Global Market Intelligence ($):Utility-scale solar installations in the U.S. totaled 1,962 MW of new capacity in the first quarter of 2020, which was 65.5% higher than the total installed in the first quarter of last year and the strongest first quarter in the last five years, according to S&P Global Market Intelligence data. The analysis aligns with data from the Solar Energy Industries Association Inc., which said that the first three months of 2020 was the strongest first quarter on record with new additions, including residential solar, totaling 3.6 GW.Most projects came on in January, which saw 56.7% of the total capacity added during the quarter. Florida saw the highest utility-scale solar capacity added during the quarter at 596 MW, while California stood second with 359 MW of solar capacity added.Cumulative installed utility-scale solar capacity in the U.S. as of March 31 reached 40,652 MW, up 18.4% from 12 months prior.The Misae Project (Childress Solar Park), a 240-MW solar farm located in Childress County, Tex., was the largest solar project to come online during the quarter. IKEA owner INGKA Holding BV shares ownership of the plant with Copenhagen Infrastructure Partners K/S, which acquired a 49% stake in April.NextEra Energy Inc. tops the list of companies with the largest pipeline of projects set to begin operation through 2024. The developer has an aggregate capacity of 5,867 MW, most of which is in early development. Invenergy LLC has the second-largest development fleet, totaling 5,092 MW, and Paris-based EDF Group has the third-largest project pipeline with 2,513 MW.As of June 8, the amount of capacity scheduled to come online in the next five years is expected to peak in 2021, with 28,172 MW planned. Most planned capacity over the five-year period is in early development. Texas has the largest amount of solar projects in the pipeline of any state, with 25,738 MW of new capacity through 2024. The single largest planned project in the state is Greyhound Solar Project, in Ector County, owned by Energy Acuity, LLC. The 650-MW plant, which is in early development, is slated to come online in June 2021.[Gaurang Dholakia]More ($): U.S. utility-scale solar installations accelerate in Q1’20
Scott is the Principal of Your Credit Union Partner, PLLC.Your Credit Union Partner (YCUP) is a trusted advisor to the leaders of more than 100 credit unions located throughout … Web: www.yourcupartner.org Details As many of us enter peak strategic planning season, now is the time to assess our loan portfolios and field of membership to identify the greatest opportunities for growth and profitability. One key driver? The world of new and used auto loans.Recent Q2 2016 trend reports indicate the space continues to be a strong source of loan growth for credit unions. In fact, the data reveals:Credit Unions experienced the largest year-over-year growth of outstanding loan balances (Q2 2016 vs. Q2 2015)Credit Unions gained used car loan financing, reaching 24.9 percent of all loansBoth 30- and 60-day delinquencies remain flat to previous yearOne of the biggest trends highlighted in a new Experian report is the shift to used vehicles by customers with excellent credit, thanks in part to the wave of off-lease vehicles coming back into the market.So what are the implications for your credit union?Take a moment to consider your vehicle loan growth during the past two years – your results during a peak vehicle sales period. How did you perform versus your peers? Did you meet your expectations? Who did you lend to – prime, subprime? How are you positioned versus the competition? Now consider how you would feel if you were to lose even a part of that growth in 2017. Now is a good time to ask a few questions:How might a more competitive lending environment impact your goals and bottom-line next year?What if more non-traditional lenders took a share of your auto loans?What is your lending plan for riskier borrowers? Is any potential impact enough to start thinking about a “Plan B”?What is your Plan B?Most credit unions, especially smaller credit unions of less than $100 million (which 74.1 percent of us are), had to work hard, during a “peak vehicle selling” period to have fair-to-middling earnings. Nobody believes competition for vehicle loans will be easier in 2017. Credit unions will find even more competition for vehicle loans from traditional and non-traditional sources including the buy here/pay here lenders.Work smarter and have a “Plan B”With it being strategic planning season, where we will be looking at environmental reviews and considering potential threats and opportunities, it’s a natural time to continue our loan growth conversations and consider viable Plan B’s.Our team will be facilitating more than 30 strategic planning sessions, presenting in small, medium, and large credit unions, coast-to-coast. Here are some of the Plan B’s we will be discussing:Utilize data to find more opportunities with existing members. Successful execution of this plan runs deeper than just counting on the member-facing staff to cross-sell loan recaptures as they see them (probably every other financial institution your members utilize will be doing this also). All credit unions should look deeper and seek professional guidance. Strategic partners like Experian help credit unions improve their ability to differentiate Members. They have unique data that can help you offer-up products that will resonate with the Member, through the channel they prefer to use. Specific to loan-recapture, the key is knowing you will save the Member interest or payment size. Experian’s auto loan tools bring you this so you to make firm offers of credit to the members you seek.Use data to identify people who are most likely prepared to buy. Chances are your loan rates and terms are very similar to most of your competitors. Don’t forget the four “P’s” of marketing: price, promotion, product, and place. If your product and price are not unique in a very competitive market, consider improving the “place” and “promotion” components for success. One way to do this is to have your promotion ready and waiting when the consumer makes the decision to buy. This could include using data to identify potential clues that one of your members will soon be in the market to buy. Be the first to recognize this and respond, and you may have a better chance at winning the business. Experian has developed models specifically for this purpose, identifying the likelihood the Member is “in the market” for specific products. These tools can help reduce marketing costs and improve performance.Increase your focus to other loan pools. Outstanding credit card debt has increased since 2011, with the average household carrying $16,048. Now may be a good time to dust off a credit card balance transfer program focused on revolving debt consumers. Expansion into other loan products brings your credit union the benefit of a more diverse loan portfolio.Lend deeper for near-prime and subprime vehicle loans. In today’s competitive market, prime credit consumers nearly walk on water. Picking up some new business is more likely to come in the near- and subprime space. Like any other loan type in your book of business, there are associated risks, but there are also tools out there to help lenders select the right loans, then monitor and manage the risk. Sure, delinquencies will be a little higher, but so will your loan yield and fee income. If your shop is a small fish in a very big pond, you have to look to the subprime market for future growth. Beyond traditional risk scores, Experian can bring you additional pieces of data that can indicate risk to the low and sub-prime market, and help you manage risk. This includes non-traditional risk scores that draw on data beyond the typical credit file, as well as credit bureau attributes that indicate payment stress or recent balance and utilization spikes.Why it mattersThe strategic decisions you make now will determine your results during 2017 and beyond. Consider all of your options, and select carefully. Commit, but remember that you should always have a “Plan B” – especially at a time of tough and increasing competition.We get to work with so many credit unions we consider best practices for loan growth, deployment, yield, efficiency, and net margin. There is one important thing these best-practice credit unions have in common: they are relentless at investigating a better way, always measuring their environment and adapting quickly as needed. https://www.valuepenguin.com/average-credit-card-debt 95SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Scott Butterfield
Every year at planning time, we receive numerous phone calls from Member Loyalty Group participants and non-participants with questions about setting goals for their Member Experience Program and Loyalty or Net Promoter Score. Having collected over 2.8 million member surveys in the past 8 years for nearly 100 credit unions, we have gained some insights about loyalty score movement and the things that can influence it.Our credit union participants utilize a consistent Net Promoter Score® methodology, which allows us to publish a quarterly benchmark for the industry. While the information we are sharing can be used as a guidepost, it is important to note that your credit union’s scores may not be directly comparable because of questionnaire or collection methodology differences.Overall Average ChangeOver the past 8 years, the overall average change in Net Promoter Score has been +1.3 points. When considering credit unions that improved their score, the average change has been +5 points. A realistic goal for your credit union’s program depends on a number of factors, however, including the level of your current score.Dramatic Gains More Difficult at Higher LevelsIn terms of estimating score movement for 2017, it is important to note that higher scoring organizations tend to move the score more slowly and may have to work diligently just to keep their scores at lofty levels. Lower scoring organizations tend to move the score more rapidly. This is due to the way NPS is calculated. Lower scoring organizations generally have a larger percentage of Detractors, which when converted to Promoters, has a doubling effect on the NPS (e.g., converting 5% Detractors to Promoters, yields a 10 point increase to NPS). Higher scoring organizations tend to have a lower percentage of Detractors, therefore not as much opportunity for Promoter conversion.The chart below illustrates the decreasing improvements that are seen when the NPS or loyalty score increases.NPS Movement Among MLG Credit UnionsDramatic Gains are More Difficult at Higher LevelsBig Changes Can Have a Big Impact As you set your 2017 targets, keep in mind that even the best performing credit unions have also seen score decreases.We recommend that you be realistic about loyalty/service measurement goal setting when large changes are on the horizon. You may want to consider setting a goal which keeps your score level or even factor in a temporary decrease at those times. In the chart below, the green line demonstrates the dramatic impact that a merger can have on an organization’s NPS and the gradual “rebound” period that follows. The other organizations show more moderate dips and faster rebounds.Rebound Periods After Big ChangesDownload your complimentary copy of the new guide today!Learn more about setting realistic goals for your credit union’s loyalty score by downloading your complimentary copy of our new guide for 2017. You can also learn more about Member Loyalty Group’s Member Experience programs by visiting www.memberloyaltygroup.com or contacting us at firstname.lastname@example.org.Net Promoter, Net Promoter Score, and NPS are trademarks of Satmetrix Systems, Inc., Bain & Company, Inc., and Fred Reichheld. Copyright © 2016 by Member Loyalty Group. 20SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jake Foreman Before joining Member Loyalty Group, Jake served as Member Experience Analyst for Idaho Central Credit Union where he managed their Net Promoter program. Jake’s passion for the Net Promoter … Web: www.memberloyaltygroup.com Details
Great success of Croatian architects! A unique Croatian export tourist product authored by architects from 3LHD studios.Today, the 3LHD Hotel LN Garden project was officially opened in China. The great success of 3LHD is the export of services and Croatian knowledge to the Chinese market. Just stop for a second and think about this fact – a Croatian company designed and built a luxury hotel in China.The 61068m2 hotel, with a total of 365 rooms is part of Nansha Seaside Park at the mouth of the Pearl River in the Chinese city of Guangzhou. Its volume and large area are visually blended with the horizontal lines of the facade into the nature that surrounds it. It will be categorized as a “platinum-five star”, and according to Chinese categorization rules, such hotels have a significantly higher standard than five-star hotels.It took three and a half years to build this luxuriously equipped hotel with an area of more than 60 square meters. “The first inquiry arrived at 3LHD’s email address in December 2013. After the initial meetings and communication via the Internet, the first site visit followed and the start of work on the project ” they point out from 3LHD and add that the importance of this successful Croatian-Chinese cooperation is the potential for the expansion of Croatian companies in the Chinese market.The hotel is located at the mouth of the Pearl River, in the center of currently the largest agglomeration in the world which includes a megalopolis with over 60 million inhabitants. The main public area of the hotel on the west overlooks the bay and on the east side overlooks Seaside Park. It is dominated by two vertical lobbies and a large body of water. The project is a collaboration with Croatian artist Ivana Franke, the author of two art installations set up in the main hotel lobby. Colleagues from the Chinese companies Guangzhou Urban and Design Institute and Citygroup worked out the details of the project and coordinated the work on the construction site in collaboration with 3LHD.The investor is Lingnan Group, a large company whose primary activity is hospitality and tourism. They own more than 60 hotels and hotel chains across China. Their business interests include the food industry, logistics, retail chains, and transportation services.See more details about the whole impressive project HERE
Several vendors at Jakarta’s markets are finding that shoppers are yet to abide by the administration’s newly enacted ban on single-use plastic bags, with many shoppers arriving without reusable bags and requesting kresek (plastic bags).The gubernatorial regulation banning single-use plastic bags at traditional markets, modern supermarkets and minimarkets in the capital city came into force on Wednesday. The ban is part of the administration’s strategies to reduce the city’s plastic waste.Read also: Jakarta begins new chapter in plastic waste reduction Hendra, another vendor who sells children’s clothing at Pasar Raya Cibubur, echoed Fahri, saying that the regulation fell short of committing fully to reducing plastic waste.“If you want to reduce plastic waste, just stop the producers. We don’t want to become victims of this regulation,” Hendra suggested.He said that some vendors could not spend the extra money to provide reusable bags for their customers, especially since spunbond bags were more expensive than plastic bags.The gubernatorial regulation prohibits vendors from supplying customers with single-use bags, including bags made from polyethylene and thermoplastic materials. It also promotes the use of eco-friendly bags made of plant-based materials, recycled materials, paper, cloth, polyester and polyester derivatives at stores and markets. Eco-friendly bags should be recyclable and use sufficiently thick materials so they can be reused several times.Anti, a housewife, admitted it was difficult to adapt to the changes imposed by the new ban.“The thing is, I prefer shopping [in bulk],” said Anti, and that the “special bags” were not large enough for her needs. She suggested that markets provide “special” shopping bags to customers for free.Read also: Skyscraper of waste: Greater Jakarta drowning in mountains of trashThe regulation still allows shops to provide single-use plastics for unpackaged, nonwrapped foodstuffs. This is not applicable, however, if eco-friendly alternatives are available.Retail centers and markets that violate the ban are subject to a range of sanctions, from written warnings to fines of Rp 5 million (US$348) and to the suspension or revocation of business permits.Several major cities in the country have already banned single-use plastics, including Banjarmasin in South Kalimantan, Balikpapan in East Kalimantan and Denpasar in Bali. (syk)Topics : Fahri, who sells footwear at Pasar Raya Cibubur in Ciracas, East Jakarta, said that some of his customers blatantly ignored the ban, insisting that he give them plastic bags because they were “practical”.“We are finding it difficult [to follow the ban] because most shoppers don’t bring [bags] from home. In the end, we give them plastic bags,” Fahri said on Wednesday, as quoted by kompas.com.Fahri said that the market’s management was relying on customers’ awareness of the ban, according to information the market operator had recently circulated among its traders.“For example, if the market provided [reusable bags] at a lower price than plastic ones, maybe [customers] will buy them,” he added, referring to bags made from spunbond nonwoven fabric.
Why Arsenal have changed their official account name to ‘Arsena’ on Twitter Arsenal dropped the ‘L’ from their name to mark the occasion (Picture: Twitter) Advertisement Arsene Wenger’s side are regarded as one of the greatest in Premier League history (Picture: Getty)An official feature-length documentary was streamed for supporters to enjoy on Arsenal’s website and Gooners will have noticed that the club’s account name on their official Twitter page had been altered to mark the occasion. But why ‘Arsena’? Why drop the ‘L’? Well, it’s quite simple really. Seeing as the Gunners managed to go the whole season without suffering a defeat, the ‘L’ (loss) was removed for one night and one night only.Many supporters put two and two together after giving it a little thought and Arsenal’s admin confirmed it for themselves with a cheeky reply to one fan on their feed. Metro Sport ReporterFriday 27 Mar 2020 8:51 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link3.9kShares Arsenal’s Premier League record in 2003/04 Played: 38 Won: 26 Drew: 12 Lost: 0 Arsenal celebrated their Invincibles campaign on Friday night (Picture: Getty)With all English football suspended until the end of April at the earliest, Arsenal decided to spend Friday evening celebrating their magnificent Invincibles season from 2003/04 – because why not? The Gunners remain the only team to go an entire Premier League campaign without losing a single game, a feat which Liverpool fell short of this season when they were beaten 3-0 by Watford at Vicarage Road.Arsene Wenger’s iconic side, which boasted the likes of Thierry Henry, Dennis Bergkamp and Patrick Vieira, is remembered as one of the greatest teams in English top flight history and Arsenal fans were given the chance to relive all the action from start to finish. AdvertisementAdvertisementAfter all, there’s not going to be any actual live games for the foreseeable future and we all need our football fix in these uncertain times.ADVERTISEMENT ðð #Invincibles https://t.co/IuVnsqd5UY— Arsena (@Arsenal) March 27, 2020 Earlier this week, Emmanuel Petit controversially claimed that Jurgen Klopp’s current Liverpool side have ‘something special’ which the Invincibles were unable to offer.‘I have huge respect for my old teammates, but when I look at Liverpool, and what they have been doing for the past two years,’ the ex-Arsenal midfielder told The Mirror.‘People are looking at them now because last year they won a European trophy, but really they have been like this for the past two or three years. ‘It’s amazing what they are doing – it is rare to see a team winning so many games and being so dominant against their opponents all the time.‘They were both great teams in history, but for me this Liverpool team have something special. Petit reckons the current Liverpool team have the edge over Wenger’s Invincibles (Picture: Getty)‘It is hard to explain what I feel when I look at Liverpool, but I don’t remember thinking the same way when I was looking at the Invincibles.‘They have impressed me more than Arsenal’s Invincibles.‘I am pretty sure Arsenal fans won’t be happy with that. But I have to be honest. When I look at this team, the motivation, the intensity, so many talented players. Something is different with them.’Which is the better team?Arsene Wenger’s Invincibles0%The current Liverpool side0%Share your resultsShare your resultsTweet your resultsFollow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page.AdvertisementAdvertisementMORE: Paul Merson sends message to Odion Ighalo over permanent Man Utd transfer moveMORE: Charlie Nicholas tells Arsenal star Pierre-Emerick Aubameyang not to join Man Utd View 3 comments Advertisement
Bay of Plenty Times 8 Oct 2012Conceiving from bathing in a hot pool and not getting pregnant the first time you have sex are among the myths dispelled by the Bay’s sex education teachers. The news comes as it is reported that Australian school children as young as 11 will be taught to “recognise sexual feelings”. Across the ditch, a new national physical education curriculum means sexuality will be explored in Years 7 and 8 but education experts here say setting sex education age limits is a complex issue.Irene Lewis, who teaches sexuality education as part of physical education and health at Otumoetai College, said the debate had evolved over the years. “There’s been huge changes in the 34 years I’ve been teaching the subject,” said the teacher who is originally from the UK but has been at Otumoetai for 10 years. “In the UK, it used to be very much, ‘these are the facts’, ‘this is what happens’, now ‘don’t do it’. That was the message, full-stop. These days, it’s vastly different and to my mind much more healthy. “You’re teaching it through the fact that young people are going to have relationships and that’s a much better standpoint in my view.”Mrs Lewis said “students seem to be younger and younger that are exploring relationships” and there could be a case made for introducing the topic earlier “in an appropriate way and with parental permission”. “In the UK, we used to talk about it when they were 12 and here it’s Year 9, which is 14. You have a wide range of children in any one age group though, in what they’ve experienced, what they know, or what they think they know. “I definitely think Year 9 is a good age to talk about the relationships and decisions which are coming up. If you go in earlier, you just adjust what you’re talking about and make it age and environment appropriate.” Mrs Lewis said she had tackled many misconceptions during her career. “A few years ago, one of our students said they had heard you could get pregnant if you were in a hot pool. How they got that misconception I have no idea. And one of the common misunderstandings is that you can’t get pregnant if it’s the first time you’ve had sex. That one’s still out there.” She said whenever the topic was broached it should be a partnership between school and parent. “We encourage students to go home and discuss with parents what they’ve been discussing in class. I think it’s a partnership and those involved in a young person’s life should be open about matters surrounding relationships and love. The more open and honest talk there is the better.”However, Family First NZ’s national director Bob McCoskrie said sex education should be up to parents alone and not schools. “Our view is that parents determine that (the age) – not a ‘one-size-fits-all’ approach used by schools. Girls mature earlier than boys, and there can be differences among boys as to the timing of puberty. It can be embarrassing and inappropriate to discuss this material in co-ed classes. It also ignores the values and morals that families want presented to their children. “Children deserve the facts of life – from their parents. We should be resourcing parents to do this important task.”http://www.bayofplentytimes.co.nz/news/right-time-to-talk-birds-and-bees/1573162/
BACOLOD City – Charged with murder, a man was nabbed in Barangay Talacdan, Cauayan, Negros Occidental. The court recommended no bail bond for his temporary liberty./PN Resident Angelo Silvano, 21, was caught around 10:30 a.m. on July 13, police said. Silvano’s apprehension was staged on the strength of an arrest warrant issued by Judge Rodney Magbanua of the Regional Trial Court Branch 61 in Kabankalan City, Negros Occidental dated Dec. 27, 2019. The suspect was detained in the lockup cell of the Cauayan municipal police station.
Our Sports ReporterGUWAHATI: The 8th edition of the TG Baruah Memorial Youth Cup and 10th U-21 Karate championship got under way at the Nabin Chandra Bordoloi stadium in the city today.Several top officials of the Karate Association of India were present in the inaugural function.Around 500 players from 21 districts are taking part in the tournament. A day long Kumite Seminar also held at the same venue before the start of the meet.Also Read: Sports News