Colorado’s Big Gigantic have shared with us the first original single in over a year, entitled “The Little Things.” The dynamic duo, consisting of Dominic Lalli (saxophonist/producer) and Jeremy Salken (drummer), brought on the vibrant vocals of singer-songwriter Angela McCluskey for the vibey new track, which apparently came together in an ironic twist of fate.“I heard her singing on a Telepopmusik song that popped up on my Pandora station one day. I absolutely loved her voice and hit her up right away to see if she wanted to collaborate on some music,” Lalli explains. “We worked on a song a couple years back that we never ended up finishing and earlier this year, I came across the vocals again. They happened to fit quite nicely over this new song I was working on so we switched some stuff around, added a few lyrics and this new song was born!”The soulful, smoky voice matches this vibe-heavy track all the way through. Listen for yourself:The track is available as a free download on Big Gigantic’s website. Go out and catch their live tour this Spring:
The GiveawayGet your New Year off to a green start in sustainable apparel from United By Blue. Enter to win an outfit for you and one for a friendThis contest is over.Join a Clean-up!Use this link to find a clean-up hosted by United by Blue by you!https://unitedbyblue.com/pages/our-missionRules and Restrictions may apply per resort.Rules and Regulations: Package must be redeemed within 1 year of winning date. Entries must be received by mail or through the www.blueridgeoutdoors.com contest sign-up page by 12:00 Midnight EST on February 28, 2018 – date subject to change. One entry per person. One winner per household. Sweepstakes open only to legal residents of the 48 contiguous United States and the District of Columbia, who are 18 years of age or older. Void wherever prohibited by law. Families and employees of Blue Ridge Outdoors Magazine and participating sponsors are not eligible. No liability is assumed for lost, late, incomplete, inaccurate, non-delivered or misdirected mail, or misdirected e-mail, garbled, mis-transcribed, faulty or incomplete telephone transmissions, for technical hardware or software failures of any kind, lost or unavailable network connection, or failed, incomplete or delayed computer transmission or any human error which may occur in the receipt of processing of the entries in this Sweepstakes. By entering the sweepstakes, entrants agree that Blue Ridge Outdoors Magazine and their promotional partners reserve the right to contact entrants multiple times with special information and offers. Blue Ridge Outdoors Magazine reserves the right, at their sole discretion, to disqualify any individual who tampers with the entry process and to cancel, terminate, modify or suspend the Sweepstakes. Winners agree that Blue Ridge Outdoors Magazine and participating sponsors, their subsidiaries, affiliates, agents and promotion agencies shall not be liable for injuries or losses of any kind resulting from acceptance of or use of prizes. No substitutions or redemption of cash, or transfer of prize permitted. Any taxes associated with winning any of the prizes detailed below will be paid by the winner. Winners agree to allow sponsors to use their name and pictures for purposes of promotion. Sponsors reserve the right to substitute a prize of equal or greater value. All Federal, State and local laws and regulations apply. Selection of winner will be chosen at random at the Blue Ridge Outdoors office on or before February 28, 2018 – date and time subject to change. Odds of winning will be determined by the total number of eligible entries received. One entry per person or two entries per person if partnership opt-in box above is checked.
11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cindy J Draper Cindy J. Draper is a Retail DDA Strategist and Director of Training at Velocity Solutions. Cindy has over 20 years of experience in the banking industry. She has worked her … Web: myvelocity.com Details It’s a disconcerting, but true, fact: when members of your credit union use your debit card and their transactions fail, they blame you. Consider the negative buying experience below, which I suspect is an all-too-familiar occurrence that puts your member relationship at risk. The scenario: One of your members goes to the grocery store to buy a cart-full of items for her daughter’s 16th birthday party—you know, the good stuff, like pizzas, soft drinks, ice cream and chips. The guests will be arriving in an hour and time is of the essence to get the groceries home and get the party started. The total for all these delicacies is a bit more than she can afford at the moment (payday will be in two days). The member, who is enrolled in your credit union’s discretionary overdraft service, presents your debit card for payment, knowing the transaction will overdraw her account. However, she is willing to pay the $35 NSF fee she will incur in order to see the smile on her daughter’s face. The only problem: the debit card transaction is declined. “I know I have overdraft protection on my account; why does this keep happening?” your member mutters to herself. All of her groceries are bagged and in her cart. A line of people have formed behind her. She is unable to pay, bewildered, and not sure what to do next. As it turns out, the grocery store agrees to hold her items while she waits for her husband to bring a credit card to the store, which she will use to finalize the transaction. “This is so embarrassing,” she says to the store clerk. “So much for using this debit card again!”Do you know how many of your members have experienced a similar situation? Are you able to track this type of failed transaction? Could you prevent it from happening again? How would you save the relationship?Of course, there are many reasons why a debit card transaction could be denied (an incorrect PIN was used, there were problems connecting to the network, etc.). But approximately half of all declined debit card transactions are declined due to non-sufficient funds (NSF) at the time of the transaction. In the scenario above, your member clearly knew her available balance would not cover the transaction. What she did not know, however, was that your credit union had never obtained her “affirmative consent” as outlined in the 2010 Amendment to Regulation E, otherwise known as a “Reg. E opt-in” decision. Perhaps at account opening she had not clearly understood the benefits of opting in to the overdraft service on ATM and one-time debit card transactions, so she did not make a decision. Regardless, without this decision, your credit union declined the transaction. Surprisingly, most consumers have not opted in or even made a decision about Reg. E, and it’s a fair bet that nearly as many are not even aware this is an option. The reason is that most financial institutions conducted a one-time outreach campaign to obtain Reg. E decisions way back in 2010, but they haven’t revisited those decisions since. As a result, as many as 50% or more of your members who qualify for your discretionary overdraft program may not have made a Reg. E decision and may have endured negative purchasing experiences (and their accompanying frustrations). Ensuring that those members who want the overdraft service at this channel have access to it is critical. Not only do consumers today use debit cards more than checks or even credit cards, but when debit card transactions are declined, members become frustrated and use your institution’s debit card less frequently. The relationship sours and your credit union loses goodwill, not to mention interchange fee and overdraft fee income.The solution is to proactively communicate with members about their Reg. E decision:At account opening (using a Reg. E Model A-9 Consent Form or similar), andAfter they experience a debit card denial due to NSF, and they have not made a Reg. E decision yet (utilizing a Reg. E outreach program).Reg. E outreach, which includes identifying members who have experienced a denied debit card transaction and contacting them directly, provides a high level of service by educating the member about the reason a debit transaction was denied, as well as explaining your credit union’s overdraft options that could help them pay these types of transactions in the future. The discussion seeks to obtain a Reg. E decision (whether opt-in or opt-out) but should never steer or coerce a member into a particular decision. It should be well-timed and conducted by knowledgeable staff using professional scripts.If your credit union does not have the resources available to conduct a formal Reg. E outbound effort, seek the guidance of a reputable overdraft services provider that offers training, templates and expertise to help you manage this critical process in a compliant way. Obtaining a Reg. E decision is more valuable than you may know for the satisfaction of your members and the future of your credit union.
Brayton Carter, another winner on Thursday night, followed with the Friday Karl Kustoms Northern SportMod checkers, leading flag to flag. Tony Olson was second and Kyle Olson third. Modifieds – 1. Jeff Aikey; 2. Cayden Carter; 3. Ethan Dotson; 4. Todd Shute; 5. Tim Ward; 6. Joel Rust; 7. Ethan Braaksma; 8. Derrick Stewart; 9. Jake McBirnie; 10. Shawn Kilgore; 11. Richie Gustin; 12. Kelly Shryock; 13. Josh Gilman; 14. Brandon Schmitt; 15. Scott Simatovich; 16. Wyatt Block; 17. Russ Reinwald; 18. Thor Anderson; 19. Anthony Hofbauer; 20. Josh Lambert; 21. Eric Barnes; 22. David Brown; 23. Kollin Hibdon; 24. J.D. Auringer Tony Olson started 18th and chased his cousin across the line. Third went to Kaplan. Aikey drew the pole for Friday’s 25-lap feature and led the entire race to take the win. Carter and Ethan Dotson challenged Aikey several times, but he fended them off. Carter finished second and Dotson took third, followed by Todd Shute and 18th place starter Tim Ward was fifth. Eric Knutson weaved his way through traffic after starting 21st and caught rookies Braden Richards and Carter Koop, making for a three-wide contest down the back chute on the final lap of Friday’s IMCA Sunoco Hobby Stock main. Sept. 18 Feature Results Jeff Aikey was quick to return to victory lane at Marshalltown Speedway, winning the Friday night World Nationals feature for IMCA Modifieds. The Fast Shafts All-Star Invitational ballot qualifier paid $2,000. (Photo by Bruce Badgley, Motorsports Photography) Kaden Reynolds fought past Koop on lap 11 and never looked back on his way to victory on Saturday. Knutson ended in second with Koop taking third. J.D. Auringer paced the opening laps on Saturday but Carter quickly moved from his fifth starting position and into the lead. Carter never relinquished that lead, though Tom Berry did his best to reel him in. Modifieds – 1. Carter; 2, Tom Berry; 3. Auringer; 4. Dotson; 5. Cody Laney; 6. McBirnie; 7. Schmitt; 8. Ryan Ruter; 9. Reinwald; 10. Aikey; 11. Shryock; 12. Shute; 13. Kyle Brown; 14. Jared Van Deest; 15. Rust; 16. Barnes; 17. Sam Wieben; 18. Stewart; 19. Jordan Bartz; 20. Dylan Thornton; 21. Matt Werner; 22. Lambert; 23. Anderson; 24. Hibdon. By Joyce Eisele Sept. 19 Feature Results Kyle Olson went home with a World Nationals title under his belt after winning the Saturday feature. Olson started fifth and snatched the lead away from Austin Kaplan just before halfway. Also the Thursday victor at Marshalltown, Mueller was in second behind Berry when the white flag flew, then timed the winning move out of corner four to perfection and took the checkers. Berry was second and Steve Meyer third. Northern SportMods – 1. Kyle Olson; 2. Tony Olson; 3. Austin Kaplan; 4. Peterson; 5. Schlling; 6. Rose; 7. Nelson; 8. Austin Schrage; 9. Geoff Jeche; 10. Brian Schrage; 11. Cory Van Zante; 12. Hilmer; 13. Peterson; 14. Josh Sink; 15. Fred Leytham; 16. Joseph Luethje; 17. Plate; 18. Carter; 19. Suckow; 20. Kevin Yearington; 21. VanWyk; 22. Mallicoat; 23. Morehouse. Knutson took the win at the line, with Richards going second and Koop third. Cayden Carter put his name on the Fast Shafts All-Star Invitational with his $2,000 IMCA Modified victory Saturday at Marshalltown Speedway’s World Nationals. (Photo by Bruce Badgley, Motorsports Photography) More than 160 cars were entered each night of the season-ending special at Marshalltown. Stock Cars – 1. Dallon Murty; 2. Shawn Ritter; 3. Chanse Hollatz; 4. Damon Murty; 5. Tom Berry; 6. Todd Reitzler; 7. David Atcher; 8. Scott Rice; 9. Joe Zrostlik; 10. Steve Meyer; 11. Tyler Pickett; 12. Jason Hall; 13. Josh Mroczkowski; 14. Mike Van Genderen; 15. Eric Zwirschitz; 16. John Heinz; 17. Kellie Drury; 18. Kyle Resch; 19. Rod Richards; 20. John Adams; 21. Gary Bass; 22. Erick Knutsen; 23. Don Vis; 24. Austin Gray. Dallon Murty raced from 10th starting to win Friday’s IMCA Sunoco Stock Car feature ahead of Shawn Ritter and Chance Hollatz. Damon Murty and Berry, driving from 21st in his divisional debut, were fourth and fifth, respectively. Berry, Auringer, the 21st starting Dotson and Cody Laney completed the top five. Aikey made it back-to-back trips to victory lane, following his Thursday night Dale DeFrance Memorial IMCA Late Model victory in the 500th and final Summer Series event. Carter joined Aikey on the Fast Shafts All-Star Invitational ballot with the Saturday checkers. MARSHALLTOWN, Iowa (Sept. 18-19) – Jeff Aikey and Cayden Carter were $2,000 IMCA Modified feature winners at Marshalltown Speedway’s 14th annual World Nationals. Saturday’s green, white, checkered finish ended with Jeff Mueller in front. Northern SportMods – 1. Brayton Carter; 2. Tony Olson; 3. Kyle Olson; 4. Travis Peterson; 5. Johnathon Logue; 6. Austin Schrage; 7. Brian Schrage; 8. Jenae Gustin; 9. Ryan Schilling; 10. Ryan King; 11. Dylan VanWyk; 12. Tim Fobian; 13. Cory Rose; 14. Cole Suckow; 15. Izac Mallicoat; 16. Gage Neal; 17. Clint Morehouse; 18. Garrett Nelson; 19. Troy Burkhart; 20. Michael Plate Sr.; 21. Chance Huston; 22. Tyler Inman; 23. Devyn Peterson; 24. Jarett Franzen. Stock Cars – 1. Jeff Mueller; 2. Berry; 3. Meyer; 4. Rice; 5. Shawn Ritter; 6. Pickett; 7. Reitzler; 8. Zwirschitz; 9. Damon Murty; 10. Atcher; 11. Derrick Agee; 12. Kenzie Ritter; 13. Resch; 14. Michael Peterson; 15. Knutsen; 16. Leah Wroten; 17. Dallon Murty; 18. Van Genderen; 19. Rick Dix; 20. Hall; 21. Schmidt; 22. Mroczkowski; 23. Kevin Rose; 24. John Adams. Hobby Stocks – 1. Eric Knutson; 2. Braden Richards; 3. Carter Koop; 4. Aaron Rudolph; 5. Matt Brown; 6. Patrick Pellman; 7. Curt Reed; 8. Shane Butler; 9. August Bach; 10. Austin Mehmen; 11. Jeremiah Andrews; 12. Luke Schluetter; 13. Dustin Jackson; 14. Patrick Oestreich; 15. Seth Butler; 16. Clint Nelson; 17. Matt Wahl; 18. Kevin LeBeau; 19. Miciah Hidlebaugh; 20. Luke Bird; 21. Jim Mehmen; 22. Marcus Wayne; 23. Kaden Reynolds; 24. Solomon Bennett. Hobby Stocks – 1. Reynolds; 2. Knutson; 3. Koop; 4. Hidlebaugh; 5. Richards; 6. Oestreich; 7. Schluetter; 8. Rudolph; 9. Reed; 10. Bennett; 11. Brandon White; 12. Butler; 13. Jonathan Schroeder; 14. Ray Fees; 15. Jackson; 16. Bird; 17. Wahl; 18. Wayne; 19. Andrews; 20. Mehmen; 21. Ben Newhouse; 22. LeBeau; 23. Tom Killen Jr.; 24. Josh Killen.
Ginebra beats Meralco again to capture PBA Governors’ Cup title “Based on the calendar, it will be quite difficult to participate in the Jones Cup,” SBP president Al Panlilio said. “It’s a grueling schedule.”The Jones Cup, an international event where formidable teams see action, will be held on July 12 to 21, and will run right smack into the PBA Commissioner’s Cup schedule. It has been a perennial training ground for many Philippine teams in the past and which the Filipinos won twice before.FEATURED STORIESSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissSPORTSCoronation night?SPORTSThirdy Ravena gets offers from Asia, Australian ball clubsHosting a mini-tournament or a series of friendlies will be easier to do, Panlilio said, since they can take the PBA schedule into consideration.Lebanon and Jordan came over to play the Filipinos in exhibition matches before the Philippines went to Qatar and Kazakhstan to book crucial wins that sealed a second straight stint in the global showcase scheduled on Aug. 31 to Sept. 15 in eight cities in China. Meanwhile, in a continued show of solid support to the international program, the PBA said that it will lend its players even to the Southeast Asian Games where the Philippines is the heavy favorite for the cage gold medal.“Once chairman (Ricky) Vargas asks the PBA, we will give him players,” commissioner Willie Marcial said in Filipino as the PBA could ultimately wind up representing the country for the first time in the SEA Games.Sports Related Videospowered by AdSparcRead Next Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college LATEST STORIES Ginebra beats Meralco again to capture PBA Governors’ Cup title Don’t miss out on the latest news and information. Nadine Lustre’s phone stolen in Brazil Tom Brady most dominant player in AFC championship history Photo by Tristan Tamayo/INQUIRER.netDue to conflict with the PBA schedule, coach Yeng Guiao’s original plan of having Gilas Pilipinas play in the Jones Cup to prepare for the World Cup will not happen.Instead, the Samahang Basketbol ng Pilipinas (SBP) is thinking of hosting pocket tournaments, or friendlies, in order to get the National Five to play together with the World Cup in China still six months away.ADVERTISEMENT SEA Games 2019: No surprises as Gilas Pilipinas cruises to basketball gold PLAY LIST 06:27SEA Games 2019: No surprises as Gilas Pilipinas cruises to basketball gold01:45Explosive Gilas Pilipinas not yet at its best, says Tim Cone00:50Trending Articles02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Japeth Aguilar wins 1st PBA Finals MVP award for Ginebra MOST READ Rogue cops marked as Gamboa’s targets in his appointment as PNP chief After losing two world titles, Lakay ringmaster wants wards to go for swift, decisive wins Will you be the first P16 Billion Powerball jackpot winner from the Philippines? Eugenie Bouchard’s bid for Australian Open spot ends in qualifying View comments