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Vehicle sales down in April, downward trend expected to continue

first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Total vehicle sales decreased to a rate of 16.4 million annualized units in April. NAFCU Research Assistant Dhruv Singh expects the decline to continue in coming months.“Automobile sales in April softened, failing to build upon a strong March,” said Singh in a NAFCU Macro Data Flash report. “Lower tax refunds, reduced affordability, and consumer preferences for used vehicles are weighing on sales, which sunk to their lowest level since October 2014. Layoffs in the automotive industry are on the rise as carmakers adjust production levels.“Consumers are still in a good position with fairly low debt levels and rising real wages, and the Fed is playing its part in backing off of plans for more rate hikes. But the headwinds are prevailing, and NAFCU expects a modest decline in sales volume this year,” Singh added.Car sales decreased from 5.2 million annualized units to 4.9 million annualized units during the month. Meanwhile, sales of light trucks dropped from 12.2 million annualized units to 11.5 million annualized units.last_img read more

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5 CECL panel discussion takeaways from 2019 Annual Conference

first_imgAt this year’s Annual Conference, I connected with industry executives for a panel discussion on CECL issues that should be addressed throughout the implementation process. I was joined by Kim Alexander of Blue FCU, Renee Nelson of First Community CU, John Sjaastad of SAS Institute, and panel moderator Eric Mangham of Arkansas FCU. Here are the key issues we discussed.1. Data There is a need for historical data, which encompasses the contractual term of a pool or at least one economic cycle. There’s also a need for data integrity, validation, and reconciliation of all data sets to historical and current loan balances.2. Integration The CECL committee must communicate with other committees such as ALM. Forecasting factors and results from the CECL model will need to be applied to other models, and results will also need to be integrated into the overall analysis and budgeting. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

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Luka Burilović, HGK: The lack of manpower to solve the Slovenian model

first_imgAccording to recently published data, tourism lacks about 2,700 workers despite the fact that 171,044 people are unemployed, which is another warning for urgently finding a solution to the burning problem of labor shortage.To solve this problem, the Croatian Chamber of Commerce proposed the introduction of a more flexible model for setting quotas for the employment of foreigners, which would enable employers to approve the employment of foreigners “as needed”, ie. approving the employment of a foreign worker in a situation when it is proven that there is no available labor force on the Croatian market (the so-called Slovenian model) ““Tourism is our most important economic branch, which makes up almost a fifth of the total Croatian GDP and employs 6-7 percent of all employees in Croatia. In recent years, we have seen an increase in tourist overnight stays and tourism revenues. It is believed that the more favorable trends in overnight stays and tourist income were partly influenced by the result of the more favorable economic situation in the EU, which is the most important emitting market for Croatia. Namely, out of the total overnight stays of foreign tourists, tourists from the EU market realize almost 90 percent of overnight stays. ” points out the president of the Croatian Chamber of Commerce Luka Burilović.Short-term proposals and measures advocated by the Croatian Chamber of Commerce are, in addition to bilateral agreements for seasonal work with neighboring countries to enable foreigners to work in season, legally enable minors to work after 8 pm and work of pensioners without losing the right to pension. As they point out from the Croatian Chamber of Commerce, together with HUP and UPUHH they have already warned that just increasing quotas will not be a solution to the problem of labor in tourism because according to the current Decision on tourism and catering, foreigners cannot be employed as waiters, chefs and maids, who are the most deficient. The needs in the practice of the tourism sector far exceed the current employment opportunities for foreign workers.”For the further development of tourism and the Croatian economy, it is necessary to liberalize the system for employment of foreigners, which will be adjusted to the needs of the market instead of the current system in which the needs for foreign labor are assessed once a year. That model proved to be a failure. Labor shortages are also visible in other sectors, which also has a negative impact on the tourism sector. This is mostly seen in the example of construction.  We come to the conclusion that there are projects, there is secured money for financing, but there is a problem with finding adequate contractors “, warns the president of HGK Burilović, emphasizing that the lack of workers will especially affect construction companies and the tourism sector. start the investment cycle for next season.Prema procjenama, u građevinskom sektoru nedostaje više od 2000 radnika raznih profila, najviše zidara, tesara, armirača, montera suhe gradnje, keramičara i fasadera. Planiramo značajne infrastrukturne projekte, od kojih ćemo dobar dio financirati sredstvima iz EU fondova, ali upitno je u kojem će postotku naše tvrtke sudjelovati u tim projektima s obzirom na to da su zbog nedostatnog broja radnika sve manje konkurentni.Uz nedostatak radnika, iz HGK upozoravaju kako je nužno pojednostaviti proces zapošljavanja (za zapošljavanje stranaca potrebno je 30-ak dana) kako bi se pojednostavila komplicirana administrativna procedura i kako bi tvrtke pravovremeno zaposlile potrebne radnike. “Dugoročno, rješavanje problema radne snage vidimo u uvođenju dualnog modela obrazovanja po uzoru na Austriju i Njemačku. Takvo će obrazovanje, u kojem će se nastava 60 do 70 posto održavati u tvrtkama, a 30 do 40 posto u školama, uključiti mlade na tržište rada još za vrijeme strukovnog školovanja. Prednost učenicima bit će kvalitetno školovanje, bolje mogućnosti na tržištu rada, nastavak rada u poduzećima, ali i financijska neovisnost.” zaključuje Burilovićlast_img read more

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Messi scores four as Barca jump above defeated Madrid before Clasico

first_imgTheir victory, coupled with Madrid’s defeat, means Barca move back to the summit of La Liga, two points ahead of Zinedine Zidane’s side ahead of next Saturday’s showdown at the Santiago Bernabeu. It amounts to a considerable shift in momentum, with Barcelona away at Napoli in the first leg of the Champions League last 16 on Tuesday. Madrid host City a day later and the plan had been for Hazard to regain form and fitness in what was only his second start since returning from three months out with a broken foot. But the Belgian was seen limping and after being taken off he sat in the dugout with what appeared to be an ice pack around the same troublesome right foot.  Lionel Messi scored four goals and Barcelona reclaimed top spot in La Liga as Real Madrid suffered a surprise defeat by Levante on Saturday, a week before the Clasico. Madrid’s nightmare afternoon was made worse by another injury to Eden Hazard, who was forced off in the second half of their 1-0 defeat in Valencia and is now doubtful to face Manchester City on Wednesday in the Champions League. Messi ridiculed talk of a drought by scoring four goals after four games without one, while emergency signing Martin Braithwaite made two assists off the bench, teeing up Messi and then Arthur Melo in injury-time.  Madrid were shaken by Hazard’s departure and Levante capitalised as Jose Morales banged a shot into the top corner from the angle, even if Thibaut Courtois pulled out of a save he really should have made. For Madrid, playing catch-up again next weekend will be a particularly heavy psychological blow, especially given the series of off-field problems engulfing Barcelona in recent weeks. Messi said in an interview with Mundo Deportivo last week that Barcelona, “the way we are now”, will not have enough to go all the way in the Champions League, placing further doubts around the overall direction of the club on the back of his public spat with technical secretary Eric Abidal. Yet on the pitch, Messi showed no sign of distraction as the 32-year-old completed the second fastest of his now 36 league hat-tricks, after less than 40 minutes at Camp Nou. “There’s nothing left to do but stand up and applaud,” Eibar wrote on Twitter afterwards. “I won’t wash my kit after hugging Messi,” said Braithwaite. Braithwaite’s arrival from Leganes on Thursday drew criticism after Barcelona capitalised on a curious La Liga rule that allows clubs to sign outside of the transfer window if they have lost a player to injury for more than five months.  Leganes, without their top scorer, were beaten earlier by fellow strugglers Celta Vigo but Braithwaite made the perfect start with his new team. Brilliant Messi Messi quickly got to work, scoring a brilliant first goal in the 14th minute after collecting the ball centrally, around 30 yards out. He had three Eibar defenders in front of him but found a way through, nutmegging Anaitz Arbilla before chipping delicately into the corner. The second came in the 37th minute as Sergio Busquets found Arturo Vidal, who feathered a flick into Messi’s path. Messi surged forward, past his stumbling opponents, and fired in. His third, three minutes later, was the simplest of the trio and arrived only after he tried to play in Antoine Griezmann. His generosity was rewarded as a sloppy Griezmann touch meant the ball cannoned back to Messi, who apologetically poked in. Coach Quique Setien was able to take Griezmann off with 18 minutes left and introduce Braithwaite for his debut. Braithwaite’s first contribution was a skewed cross but things improved immeasurably from there, as two passes across goal gave Messi his fourth and Arthur his first. Madrid were never in control of a chaotic contest against Levante but might have taken the lead if Hazard had done better with a long ball over the top from Marcelo, which he failed to control and then scuffed into the hands of Aitor Fernandez. He limped off and Madrid lost their way, finally punished with 11 minutes left by a straight ball through to Morales. Luka Modric, exposed on the right side of Madrid’s defence, was unable to recover and Morales caught Courtois by surprise by firing early past the goalkeeper and into the top corner. Real Sociedad moved into fourth and above Atletico Madrid with a 3-0 victory over Valencia, whose miserable form continued following their 4-1 Champions League loss at Atalanta in midweek. Topics :last_img read more

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Volleyball players earn Pac-12 weekly honors

first_imgSophomore powerhouse outside hitter Brooke Botkin goes up for a kill against Northern Iowa where she recorded eight kills and 11 digs to lead USC to victory on Saturday morning. (Sarah Kim | Daily Trojan)Following the Women of Troy’s dominating performance this past weekend at the Trojan Invitational, two standouts earned Pac-12 weekly awards. Sophomore outside hitter Brooke Botkin was named Offensive Player of the Week, and freshman setter Raquel Lázaro was selected Freshman of the Week. These honors were career firsts for both players. While the undefeated weekend was a team effort, these two players carried the load.Hailing from Pearland, Tex., Botkin had an outstanding performance over the weekend, boasting 19 kills against Kentucky and 25 against Creighton. Her defense remained consistent with 11 and 12 digs, respectively. In the grueling five-set victory over Creighton on Saturday night, she added two aces to help ultimately put the Women of Troy on top. Botkin had a total of 52 kills throughout the three matches with a .248 hitting percentage.“[Botkin] is really going to have a big step forward from her freshman year,” head coach Brent Crouch said prior to the season opener. “It’s going to be really fun to watch her in that position.” During the 2017 season, Botkin appeared in 22 matches, recording a total of 151 kills and four aces. In her best match that season, she had 20 kills and 10 digs for the first double-double of her career. She has already surpassed her best record from last season.Lázaro made her college debut in the first match of the Trojan Invitational against the Kentucky Wildcats, stunning everyone in Galen Center with 55 assists. This marks the highest number of assists in a single match for the Trojans since Hayley Crone’s 58 assists in 2012. Against the Bluejays on Saturday night, she recorded her first career double-double with 53 assists and 22 digs. Throughout the weekend, she led the team to an impressive .248 hitting percentage and 175 kills. From Soria, Spain, Lázaro played for the country’s national team for six years before coming to USC. She won two gold and four silver medals with the Spanish National Team. In 2017, she made eight appearances in the European League Championships. Lázaro hopes to bring her high-level experience to the Trojans this season, a task that she has already succeeded in. The No. 7-ranked Trojans will travel to the University of Florida this weekend to compete in the Bubly Invitational Tournament, where their opponents include No. 4 Florida, UCF and Louisville. Botkin and Lázaro will continue to lead the team, along with junior outside hitter Khalia Lanier and senior libero Victoria Garrick. The Women of Troy are now looking to roll with their momentum and hold on to their undefeated season.last_img read more

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Florida man blames horse he stole for home break in

first_imgAuthorities are reporting that a Florida man claimed that he attempted to break into a home because his horse got into the homeowner’s yard.The incident occurred Thursday at a home in Pasco County.The homeowner identified as Steve Ferguson told authorities that he caught the suspect, Lonnie Maddox, breaking into his home and confronted him. Maddox told Ferguson that it was actually his horse who broke into the home and that he was only trying to get her.When authorities arrived, Maddox then told them that the horse wandered into Ferguson’s yard through a broken fence so he went after it. Once inside the yard Maddox says he became curious about the inside of the home because he was considering renting it.Surveillance video from the home shows Maddox walking around the home with the horse. Maddox then tries to get into the home through the front door but when he was unsuccessful, he then breaks a window.Authorities found the horse several blocks away from the home but it was later discovered that the horse did not belong to Maddox.The horse has since been returned to it’s rightful owner while Maddox was taken into custody and charged with burglary of a dwelling.last_img read more

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