Broadway.com Readers Rank the Top 10 Best Songs in The Last Five Years

first_img 9. “SEE I’M SMILING” MOLLY MCGRATH 5. “GOODBYE UNTIL TOMORROW” / “I COULD NEVER RESCUE YOU” SHERIE RENE SCOTT 4. “MOVING TOO FAST” JONATHAN GROFF 10. “CLIMBING UPHILL” NAOMI PRICE There’s only a few days left until Jamie and Cathy meet, get hitched and then break up again on the big screen, and we’ve got our tissue boxes ready. We’re so psyched to see “The Next Ten Minutes,” “If I Didn’t Believe in You,” “The Schmuel Song” and more of our favorites sung by Anna Kendrick and Jeremy Jordan on February 13—and by the looks of this week’s Culturalist challenge, so are you! See which songs Broadway.com readers are most excited to see on the big screen, and check out our favorite can’t-miss performance of each one below. 3. “A SUMMER IN OHIO” LAUREN KENNEDY 7. “IF I DIDN’T BELIEVE IN YOU” MATT SUMMERScenter_img 2. “I CAN DO BETTER THAN THAT” LAUREN SAMUELS 6. “THE NEXT TEN MINUTES” ERIC SNODGRASS & COLLEEN BALLINGER 8. “SHIKSA GODDESS” CONNOR BOGART 1. “STILL HURTING” LEA SALONGA View Commentslast_img read more

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Fitch Solutions: Global installed solar capacity will climb 125% in next 10 years

first_img FacebookTwitterLinkedInEmailPrint分享The National:Solar energy capacity addition is set to expand 125 per cent globally over the next decade as countries switch from fossil fuels to greener alternatives, according to a study by Fitch Solutions.Solar energy is expected to take up a 6 per cent share of global electricity generation by 2029, an increase from 2.7 per cent at the end of last year. A net total of 734 gigawatts of solar power capacity is likely to be added by the end of 2029, with installed solar generation capacity set to grow to 1,321.8GW, up from 587.5GW in 2019.“Growth in emerging markets will also support our positive global solar outlook. We forecast 36 markets will add more than 1GW of solar capacity over the coming decade, with 48 markets expected to add over 500 megawatts and 72 markets expected to add at least 100MW,” Fitch Solutions said.China will remain the single biggest individual market driving solar power generation, with 285.7GW of capacity addition expected over the next decade, just short of 40 per cent of the total, according to Fitch Solutions.The US and India are also expected to drive growth in the sector, with 110.4GW and 84.4GW of capacity additions respectively, over the next decade.Across Europe, Spain, France, Germany and Italy will be the main growth drivers, with each market estimated to add between 12GW and 24GW of capacity over the next decade.[Jennifer Gnana]More: Global solar capacity addition to more than double over the next decade Fitch Solutions: Global installed solar capacity will climb 125% in next 10 yearslast_img read more

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Navigating the mortgage maze

first_img 42SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John San Filippo John San Filippo is the founder and president of OmniChannel Communications Inc. He has nearly 40 years of experience in financial services and technology. He’s written for every major … Web: www.financialfeed.com Details Whether you’re buying your first home or your fifth home, your finance options can be confusing. That’s because many types of mortgage loans are available, with varying rates and terms. However, the basic difference in mortgage loans boils down to these differences:Whether the interest rate is fixed or adjustable.Whether the loan is government insured.Fixed or adjustable?As the name implies, a fixed-rate loan is a mortgage loan with an interest rate that never changes. Since the interest rate never changes, the monthly payment amount never changes, either. That means, for example, if you get a 30-year fixed rate loan and keep the loan for that long, you’ll make 360 identical payments to your lender (give or take a few dollars on the final payment).Many consumers like the predictability and stability of a fixed rate mortgage. And over time, as your income presumably grows, that fixed payment amount will seem smaller and smaller. When rates are historically low, like they are now, fixed rate mortgages are a good deal.If you’re looking for the lowest possible initial payment and you’re confident that your income will rise over time, you may want to consider an adjustable rate mortgage, or ARM. With an ARM, your initial rate is a) typically lower than the rate on a fixed rate loan, and b) locked in for five years. That means that your ARM will behave like a fixed rate loan for the first five years.But what happens after five years?Your rate will start adjusting – as often as annually and as infrequently as every five years, depending on the terms of your specific loan. It should come as no shock that ARM rates generally adjust up rather than down. And every time your rate goes up, your payment goes up, too. This can come as quite a shock to a fragile budget.Rates are expected to increase over the next several years, so if you opt for an ARM, keep in mind you may experience some serious sticker shock in five years when your rate adjusts … and it will adjust higher.Conventional or government insured?A conventional loan is one that involves just you and your lender. Pretty simple, eh? So why would you want to get the government involved in your mortgage loan?It depends on which government insured loan program we’re talking about. These loans come in three flavors: FHA, VA and USDA.An FHA (Federal Housing Administration) loan can be a good choice if you don’t have much money to put down – it only requires a down payment of 3.5 percent, while most conventional loans require a down payment between 5 and 20 percent. An FHA loan can also be helpful if your credit is less than stellar. Since your loan is insured by the government, your lender may be willing to make what may seem like a riskier loan, because the government will guarantee the bank will be repaid, at least in part, if you can’t.The rub? The FHA doesn’t insure these loans just to be nice. You actually have to pay for that mortgage insurance yourself, an amount that’s tacked to your monthly mortgage payment. However, if you get a conventional loan and have less than 20% for a down payment, many states require that you pay mortgage insurance, called PMI.If you’re a veteran of any branch of the U.S. military, you should consider a VA loan. The VA loan program is administered by the Department of Veteran Affairs. A VA loan works a lot like an FHA loan, except for one extremely important difference: A VA loan doesn’t require any down payment whatsoever. That can be huge for a cash-strapped family looking to own their own home.Finally, the U.S. Department of Agriculture offers a loan program for low-income families living in rural areas. To qualify for this program, your family can’t earn more than 115 percent of the average median income for your county.The loan types described here cover the vast majority of U.S. mortgage loans, but there are many, many subtle variations. If you have questions, your best bet is to ask a mortgage expert at your credit union.last_img read more

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Does your mobile app need a facelift?

first_img 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Steve Maloney Steve Maloney is president/CEO of Sync1 Systems, has more than 20 years of experience in the Information Technology field in addressing issues specific to the financial services industry.  Prior … Web: https://www.sync1systems.com/solutions Details Make Your Mobile Banking App Convenient . . . And, Customers Will Spread the WordWhen you set up your lending suite of services, if you’re finding that there are features you’re missing, consider upgrading your loan origination software. Loan origination system software like Sync 1 provides credit unions with smartphone integration to increase membership and lending (auto loans). Members can access the best rates in real-time and make informed loan decisions. Here’s how they helped Neighbors Federal Credit Union in Baton Rouge.Ultimately, as consumers are accustomed to shopping instantly and conveniently from their smartphones, they want to bank the same way. Hence, your mobile app shouldn’t lag behind. Optimize your app with clean images, big CTA buttons, loan calculators and account features. With digital mobile app solutions that include automation, AI, and other tech advances, banking is becoming not just smarter but more convenient. As Logix’s CIO Eduard Chuang pointed out, “We truly aim to provide the best possible banking experience that our members can have.” And, when members are happy, they’ll access more features confidently and will share their experiences with others. And, that’s a win-win for everyone. Well, Domo arigato Mr. Roboto! Picture this. You’re standing in what looks like an endless line at your credit union during your lunch break. It’s dusty and dark. The posters are outdated. Chicago’s “If You Leave Me Now” is playing in the background. You can see that only one teller is working and she’s in no hurry. It’s been almost 45-minutes and you’ve barely moved. You step out of line to fill out your deposit slip with the pen chained to the desk. Then, as you get back in line, you hear, “Next”, but you head for the exit instead. As you’re walking out, you hear the faint sound of Chicago playing in the distance… “Baby, please don’t go. You’ll take away the biggest part of me”. But, you know it’s time.A problem some credit unions have is outdated services and mobile apps that are lacking key features and are just “blah”. They don’t realize small, simple changes can bring their services up-to-date and dramatically increase ROI. So, let’s take a look.Logix – Smarter Banking: It’s Convenient Banking that’s Connecting with MembersIf you haven’t heard about Logix Federal Credit Union, founded in 1937, they’re located in California and transforming the digital member experience. From engaging online and brick-and-mortar customers to making banking convenient, friendly and positive experiences, here are a few takeaways if you’re interested in digital transformation for your mobile apps.Background InformationWith 400+ positive Yelp reviews, Logix is ranked 4.5 stars. Customers LOVE them and are VERY receptive to their brand.A few key points about Logix:As of March 20, 2020, Logix FCU had $6.29 billion in assets, $1.76 billion in loans and a 15.98 net worth ratioIncreased it’s member base by 89% and Forbes Magazine named them Number One Credit Union in CaliforniaThe credit union has just over 207,000 members, 740 full-time staff and 4 part-time staff.Logix is open online 24-hours and accessible from smartphones, tablets and computers.What distinguishes Logix from other credit unions are the new technologies they implemented to reach younger audiences (millennials, online members). The Logix app includes a clean, easy-to-navigate, user-friendly interface and it integrates across mobile. Logix has a strong presence online and on social media.So, what is it that Logix is doing that you can benefit from? Let’s take a look.Data Analytics, Marketing and Promotions“We already have a really great member experience, especially in our branches, and so we’re driven by wanting to make our members feel welcomed, significant, and engaged. What we’re trying to do is take that feeling and replicate it across other channels: on our website, within online banking, and throughout our mobile app.” Anna Fonseca, CEO, LogixData Analytics To stay on top of digital banking changes, Logix implemented a new business intelligence and data analytics department. This department is crucial to gathering key insights and useful data on members and staff. The data is shared with artificial intelligence (AI) and machine learning products that can provide special reporting on specific member behaviors. Hence, all that new technology can help Logix harness data they need to improve user experiences.  But, it doesn’t stop there.Marketing and PromotionsLogix is personable and convenient. Logix uses a tiny robot named Robix. He’s displayed on various landing pages and might be driving a car to promote auto loans or holding up a heart around Valentine’s Day. Hence, ads make members smile while highlighting added savings and marketing is attractive. Logix clearly identifies with members.Promotions, marketing and other convenient features include:Promotions that identify with families and communities like Name the Logix Robot and Decorate your Halloween pumpkin like the Logix robotOffers customers can’t refuse (to increase conversions) like Open a new account and receive $150, $50 for Auto Loan Referrals and Get up to $2,000No surcharge fees at their 30,000 ATMs and overdraft protection with courtesy payFinancial education to learn about money management skillsRisk-based, auto, participation and indirect loansConvenient loan and savings calculators, e-statements, remote deposit captures and mobile paymentsLanding Pages, Images, CTAs and ColorsLogix has a clean interface on their landing pages. The background isn’t harsh and the soft orange color is inviting. They also limit the amount of text with each ad. Logix uses the appropriate font sizes and large call-to-action (CTA) buttons to help members navigate pages.Images are consistent with their brand and usually only include the Logix robot and bold colors that display ads. Some pages include reviews and feedback with large images to help members feel confident when accessing the site.For credit unions that want to take a similar approach, Neil Patel suggests:Use customer reviews to show transparency…About 92% of consumers read reviews before making a purchase. Neil says to put testimonials everywhere, not just on a dedicated page that members may have trouble accessing.Support customers – Even in hard times…The COVID-19 update (above) lets members know the credit union is there to assist them. And, they can click on a simple link to find support and financial services (without having to come to a branch and stand in line).Limit information on the screen display area…Instead of lengthy applications, limit what’s shown. Remember, members are busy and they’re banking from their phones. A few CTA buttons can make it easier for them to get the information they need.Other ways to clean up your app include removing carousel banner ads. Clark’s shoe company did this after their A/B test and increased conversions by 17.5% while bounce rates fell 16%.Include high-quality images…As more people are online, they can choose where to shop and bank. Make your app visually appealing to them. Website design drives about 94% of traffic. Clean images can also reduce bounce rates – so always check your analytics.Next, don’t be afraid to pay more for staged images instead of generic stock images that people have seen before. Increasing your authenticity can improve your brand. Take a look at Logix’s image below for Advice and Planning. Again, the images are large and clear while the text is minimal.Limit landing page lengths (enough scrolling already!)…Creating a longer landing page doesn’t always mean consumers will stay on the page. It might confuse them if all you’re asking for is an email address, for example. Keep the content simple for better results.To test this, monitor your email signup page, a CTR to your blog page and a visits services page. Consider a company like Marketo for marketing automation. They provide short-form templates to reduce unnecessary scrolling.Banking and Loan Products, Education Center and Online SupportAnother area where Logix makes banking convenient is with its education center, shown above as Advice and Planning. And, for credit unions this is important.Your education center is a self-help area where members and applicants can have their questions answered. If you don’t have an education center or knowledge base, consider setting one up for your app. It might include YouTube videos, help topics, common questions, top articles, blog posts and tutorials about products and services.Check out Hubspot’s resource center and knowledge base options to personalize your pages and make them engaging.A few additional tips:Make it easy for customers/members to find solutions to routinely asked questions.Include a search bar option for questions not immediately viewable.Include chat and text options that can work with machine learning and AI. This should be available 24-hours a day. You can automate this feature through your software and it will free up humans so they can help members who come into your brick-and-mortar locations.Keep your content fresh, relevant and minimal.Monitor searches with Google Analytics. You’ll know the topics you’re missing and can make the necessary changes.Optimize your loan origination app across mobile devices. Instead of taking a website and trying to convert it into a mobile app, start a new app that’s optimized for mobile devices and social media.last_img read more

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Joe Angelino announces bid for State Assembly

first_imgAngelino is a combat veteran who served in the Middle East during the 1990s and early 2000s. He also served as the Norwich Chief of Police and fire chief. The announcement follows current Assemblyman Clifford W. Crouch’s (R-Bainbridge) decision to not seek reelection. (WBNG) — Joe Angelino announced his bid for New York State Assembly in the 122nd District for the 2020 election. Angelino is running as a republican.center_img The candidate says he will fight for “Upstate values” and “common sense” in a press release sent to 12 News. “New York State government is moving in the wrong direction. Andrew Cuomo and the Downstate liberal politicians are pushing a hard left agenda that helps criminals while ignoring crime victims, raises taxes, exports our jobs and young people, and infringes on our rights,” he said.last_img read more

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Ludogorets 1 – 3 Tottenham

first_img– Advertisement – Player ratingsTottenham: Hart (7), Doherty (7), Alderweireld (7), Dier (7), Davies (7), Winks (7), Sissoko (7), Lo Celso (8), Bale (7), Lucas (8), Kane (8)Subs: Vinicius (5), Son (8), Ndombele (6), Hojbjerg (7), Bergwijn (6)- Advertisement – Man of the Match: Giovani Lo Celsolast_img

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Megan Rapinoe: Man Utd skipper Katie Zelem defends team after comments by US midfielder | Football News

first_img– Advertisement – They currently lead the table after six games in the current campaign after Sunday’s 1-0 win over Arsenal.Several American internationals have joined the WSL with Tobin Heath and Christen Press joining United.Manchester City signed Rose Lavelle and Sam Mewis, while superstar Alex Morgan secured a loan move to Tottenham. Manchester United Women players Katie Zelem (l) and Alessia RussoImage:Manchester United stars Zelem and Alessia Russo have helped steer the team to the top of the WSL “Manchester United have already had a plan and strategy and now it’s really coming into place and you can see how well we’ve done year on year from promotion to last year and to where we are now.“As a club and a player, you just want to keep building on that platform and hopefully Manchester United will be the top of Europe one day.” Concerning United, who scrapped their team in 2005 and started again in the second-tier Championship in 2018, Rapinoe told the BBC: “It’s 2020. How long has the Premier League been around? And we’re only just seeing a club like Manchester United put effort and pounds towards a women’s team? Frankly, it’s disgraceful.”Speaking ahead of this weekend’s WSL clash with neighbours City, Manchester United skipper Zelem told Sky Sports News: “Everyone is entitled to their own opinion but you can see how great the club are doing now.“We are currently sitting top (of the WSL) which has maybe surpassed our own expectations as well.- Advertisement – After joining the second tier two years ago, United were promoted to the Women’s Super League (WSL) and finished fourth in their maiden top-flight campaign.- Advertisement – Katie Zelem has fired back at Megan Rapinoe after the two-time World Cup winner called Man Utd ‘disgraceful’ for taking so long to set up a women’s team.Rapinoe, the 2019 Ballon d’Or winner, revealed her frustrations on Tuesday at the lack of investment in the women’s game around the world.- Advertisement –last_img read more

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Wolves bites back

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Unai Emery asks Arsenal to make transfer offer to free agent Dani Alves

first_img Coral BarryMonday 15 Jul 2019 9:53 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link1.4kShares Comment Alves is a free agent this summer (Picture: Getty)Arsenal have joined Tottenham and Manchester City in the transfer race to sign Dani Alves, reports say.The Brazilian star is on the lookout for a new club after announcing he would not be returning to Paris Saint-Germain next season.Alves is fresh off yet another title-winning season and lifted the Copa America with Brazil during the summer.Mundo Deportivo claim City, Tottenham and Arsenal are all battling to sign Alves, with Pep Guardiola eager to reunite with his former player.ADVERTISEMENT Advertisement Guardiola wants a reunion with Alves (Picture: Getty)Emery is desperate to add experience and leaders to his squad after a season plagued by individual errors and inconsistency.Arsenal have just £45million to spend this summer and Alves represents a potentially cheap option for the Gunners.While Alves would arrive on a free transfer and sign a short-term contract, Arsenal would have to agree to a hefty weekly salary.Alves reportedly earned over £200,000-a-week at PSG. The full-back has been linked with a move to England before and seemingly has the pick of the top Premier League clubs this summer.MORE: Gremio want £36m for Everton as Brazilian speaks out on Arsenal linksMore: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man Citycenter_img Advertisement Alves won his second Ligue 1 with PSG last season (Picture: Getty)But Guardiola is not the only manager who thinks the 36-year-old would flourish in the Premier League.Unai Emery has asked Arsenal to make an offer to Alves, while Tottenham have already been in contact with the Brazilian’s team.AdvertisementAdvertisementAlves has won league titles in Spain, France and Italy and is keen to stay in Europe, rather than return to South America. Unai Emery asks Arsenal to make transfer offer to free agent Dani Alveslast_img read more

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Three-level home with temperature-controlled wine cellar for sale

first_img2739 Moggill Road, Pinjarra Hills.A three-level home at Pinjarra Hills has hit the market for the first time, once owned by the original producers of the well-known Palms products brand.William Vallati’s late grandparents, Fausto and Carla, who migrated to Australia in 1949, went from operating several milk runs in Brisbane’s western suburbs to producing popular chutney, sauces and vinegar. What do you think about this style bathroom at 739 Moggill Road, Pinjarra Hills.The property is for sale by NGU Real Estate principal Emil Juresic and selling agent Chris Foenander.There are four terraces and an internal lift to all three levels. The bathroom at 2739 Moggill Road, Pinjarra Hills is pretty snazzy. 2739 Moggill Road, Pinjarra Hills.center_img Inside 2739 Moggill Road, Pinjarra Hills.Their five-bedroom, five-bathroom property, at 2739 Moggill Rd, features a walk-in vault, mud room with shower and toilet, and a temperature-controlled wine cellar with space for tastings.The couple purchased the 1.05ha Pinjarra Hills land in the late 1960s, before starting a three-year build of their luxury Italian villa in 1984.More from newsParks and wildlife the new lust-haves post coronavirus1 day agoNoosa’s best beachfront penthouse is about to hit the market1 day ago Get your friends around and enjoy some wine tasting 2739 Moggill Road, Pinjarra Hills.Mr Vallati said the house was designed by an Italian architect in his grandfather’s home town of Caralgio, in Northern Italy which reflected the style of houses from that region.In addition to the styling on the outside, all of the internal fittings and furniture, which were commissioned handmade pieces, were imported direct from Italy.Ms Vallati said his grandparents had lived there and enjoyed their privacy with their family.“While the front always appeared to be closed, the best views were always from the back of the house, which was always open,” he said.last_img read more

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