It’s no fun being denied anything, especially credit. Usually when someone is trying to get a line of credit, it’s for a big reason or major life milestone. Having a credit application denied can feel like a real setback. But this rejection isn’t something to take personally. It’s more common than people realize and doesn’t spell doom for your financial future. In fact, credit denials can be a good opportunity to take proactive steps to improve your credit health long-term. If a lender denies your credit application, they will send you a letter called an adverse action notice. Don’t worry—it sounds more menacing than it really is. This letter will explain why the lender denied your application and give you information about the credit reporting agency they got your information from. With the notice, you are entitled to get a free credit report from that agency within 60 days. While the credit reporting agency provides your information, the lender ultimately makes the decision on whether to grant credit or not. If you need more information specifically about your denial, it’s usually best to contact the lender directly. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr How will I know I’ve been denied credit?
Swansea return to league business with Laudrup adamant their strong campaign must not finish with a damp squib. The Swans have compiled 37 points from 27 games, just three short of Laudrup’s initial target of 40 points. But the Dane does not want a repeat of last season, where the Welsh side tailed off badly after getting to 39 points, winning just two of their final nine games. He said: “If you look at some of the sides we have to play, they all have something to play for. Newcastle are not 100 per cent safe, neither are Norwich. West Brom are still playing for a place in Europe while Arsenal and Tottenham are going for the Champions League. “We cannot stop being competitive because if we do we will lose all the games. “It is part of being more mature; I am not saying we have to win six or seven of these games but we must keep being competitive. “Look at last year when the team reached 39 points after some very good weeks, then suddenly lost five of the last nine, so we cannot stop competing, we have to go on.” The only low point in last weekend’s emphatic 5-0 Capital One Cup final victory over Bradford was the unseemly row between Nathan Dyer and Jonathan de Guzman over who would take Swansea’s spot-kick, after Matt Duke had been sent off for bringing down the Dutch international. But Laudrup has confirmed De Guzman is now Swansea’s designated penalty taker, and said: “It was was very unusual as we had not had a penalty before, but maybe we will now have a penalty on Saturday. As for who will take it – you never change a winner so if Jonathan de Guzman is on the pitch he will have it.” Manager Michael Laudrup has moved to make sure there will be no penalty ructions when Swansea face Newcastle on Saturday. Press Association
By Chris Rotolo |ATLANTIC HIGHLANDS –A recent Monmouth County Board of Recreation Commissioners meeting was overrun with more than 100 motivated members of Neighbors for Waterfront Preservation (NWP), a community group that has dedicated itself to safeguarding the last stretch of undeveloped beachfront on the Sandy Hook Bay.The coveted plot – referred to as the McConnell Tract after its owner Arthur “Bud” McConnell – is currently the bustling hub of the Sandy Hook Catamaran Club, as well as the headquarters of Blackfoot Mobile Marine Services. But the preservation group says its future is being threatened by an application to construct 21 homes on the property, currently before the borough planning board.Nearly 30 NWP members pleaded with the recreation commissioners for assistance in their fight for conservation, while the group’s founder, Benson Chiles, presented two architectural renderings of what the site could look like as a public park.The board pledged a joint statement in support the citizen group, but board member Michael G. Harmon questioned whether borough leaders had the political will to make a difference.“It’s the mayor and council that have to decide whether or not they are in favor of preservation. And if they are, then they should come out and say that,” said Harmon, an Atlantic Highlands resident. “It’s obviously important to this group of residents that came before us. Now it’s up to the town leaders. These situations often come down to the political will of the town.”County Freeholder deputy director and board liaison Lillian G. Burry, echoed a similar sentiment, called for borough leadership to stand with their constituency.“I’d like to see your elected officials support your efforts for this project,” Burry said. “That would carry a lot of weight and could conceivably form a partnership between the town and the county. Things like this have been done before. I encourage their involvement because you have an excellent request and it shouldn’t go for naught.”Borough residents lauded the property as a local point of access to Sandy Hook Bay waters, a boat launch for Catamaran Club members and nonmembers alike, as well as a scenic, walkable expanse with a clear view of nearby Sandy Hook and the stunning New York City skyline.Children and young adults who crafted signs reading “S.O.S. Save Our Shores” spoke of their experiences interacting with wildlife, playing with friends and joining the active sailing community on site, which has helped them develop a skill as well as friendships.James Krauss, Atlantic Highlands Environmental Commission chair, likened this situation to that of the former Giuliani Tract, another selection of waterfront property once located on First Avenue near the borough’s storied harbor, which has since been turned into a parking lot for Seastreak ferry commuters.“Unfortunately we lost that fight, but we don’t want that to happen again to the last piece of undeveloped land on the waterfront. It’s too important,” said Krauss, who pledged the use of environmental commission funds to help the county acquire the seven-acre plot.Though NWP and the board will stand against the development project, time is of the essence, as Borough Administrator Adam Hubeny confirmed that a planning board hearing on the application – submitted by Matawan real estate development company Denholtz Associates – is scheduled for July 12.“We’re going to fight this until the bitter end and take it as far as we can,” said Chiles, who works professionally as a strategic consultant for various conservation organizations. “Right now our goal is to create a path for the county to acquire the property. The timeline is tight, but under the direction of (Monmouth County Park System director) Jim Truncer, the freeholders and this board of commissioners, this process can move quickly if they want it to.”This article first appeared in the June 21 – 28, 2018 print edition of The Two River Times.
LONDON (AP):Eden Hazard came off the bench to help Chelsea into the FA Cup final with a 4-2 victory over Tottenham yesterday as the English Premier League leaders overwhelmed their title rivals to stay on course for a double.Chelsea shut down Tottenham’s fightback in a potent five-minute spell in the second half inspired by Hazard, who had been unexpectedly relegated to the bench.Hazard shot the ball through a crowded penalty area into the net in the 75th minute and teed up Nemanja Matic for a powerful strike off the inside of the crossbar to secure a final against Arsenal or Manchester City.Chelsea condemned Tottenham to a seventh successive FA Cup semi-final loss, and also have a four-point lead over their London rivals in the league title race.Twice Willian put Chelsea in front – from a free kick in the fifth minute and from a penalty two minutes before half-time – but Tottenham came back each time through Harry Kane’s flicked header and Dele Alli’s strike.Despite Tottenham posing the greater threat after Alli latched on to Christian Eriksen’s exquisite long pass in the 52nd minute, the north London club had nothing to show for its dominance. And a double substitution by Antonio Conte after an hour swung the semi-final back in Chelsea’s favour with Hazard arriving on the pitch with top-scorer Diego Costa.SPECTACULAR FASHIONA third Chelsea substitute, Cesc Fabregas, set up Hazard’s goal within a minute of being brought on. The midfielder’s corner was inadvertently flicked on by Tottenham defender Kyle Walker. Then Chelsea’s return trip to Wembley for the final next month was secured by Matic in spectacular fashion, with Conte’s side asserting its strength over Tottenham.Arsenal faces Manchester City in the second semi-final today. There were four Premier League games.English Premier League results: Bournemouth 4 Middlesbrough 0; Hull 2 Watford 0; Swansea 2 Stoke 0; West Ham 0 Everton 0.
LATEST STORIES MOST READ A former national team defender and Bundesliga veteran, Mladen Krstajic is closely aligned with the federation’s wishes for the faster integration of the players who won the Under-20 World Cup in 2015.He was first brought in as a caretaker after Muslin’s dismissal, despite having never held a previous coaching position. But he has yet to calm the national anxiety after delivering highs and lows on the road to Russia. The latest setback was a 1-0 loss to Chile in a friendly.Unapologetic, Krstajic said the results of friendly matches were meaningless because they were only about preparation.“You would expect experienced players to have better form, but younger players have more potential — that’s a fact. We have both,” he said. “Testing younger players in the game (against Chile) was a conscious decision, to see how they would combine with the players who got us qualification.”GOALKEEPERSADVERTISEMENT Serbia’s talent in midfield also includes attack-minded Luka Milivojevic, a regular scorer at Crystal Palace.FORWARDSKrstajic likes to field a 4-2-3-1 formation to exploit the goal-scoring talents of his midfield.Aleksandar Mitrovic remains the preferred lone striker and he produced six goals in qualification. While his finishes often look unspectacular, the 23-year-old forward who plays at Fulham on loan has perfected close-range finishes.Krstajic added some young forwards to his roster, including 20-year-old Benfica player Luka Jovic, who is on loan to Eintracht Frankfurt.Fire-power may also come from Aleksandar Prijovic, the top scorer in the Greek league at PAOK Thessaloniki and hero at home for producing the winning goal against Georgia that sent Serbia through.GROUP GAMESSerbia will open against Costa Rica on Sunday in Samara. The team will then face Switzerland in Kaliningrad on June 22 before traveling to Moscow to face Brazil on June 27.SQUADGoalkeepers: Vladimir Stojkovic (Partizan), Marko Dmitrovic (SD Eibar), Predrag Rajkovic (Maccabi Tel Aviv) FILE – In this Monday, Oct. 9, 2017 filer, Serbian players pose for a team photo prior to the World Cup Group D qualifying soccer match between Serbia and Georgia at the Rajko Mitic stadium in Belgrade, Serbia. (AP Photo/Darko Vojinovic)With a mandate to integrate the country’s promising young players into the squad, Serbia coach Mladen Krstajic was hired after the national team had already qualified for the World Cup.He has abandoned some of the caution shown by predecessor Slavoljub Muslin, whose conservative selections helped Serbia win its European qualifying group after failing to reach the 2014 tournament.ADVERTISEMENT DepEd’s Taal challenge: 30K students displaced Jury of 7 men, 5 women selected for Weinstein rape trial Dave Chappelle donates P1 million to Taal relief operations Winfrey details her decision to withdraw from Simmons film China population now over 1.4 billion as birthrate falls Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio 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 The towering Vladimir Stojkovic was first choice during the qualification campaign, which exposed the team’s irregular form.The Serbs conceded 10 goals in as many matches. The 34-year-old Stojkovic has bounced around half-a-dozen European leagues, making the rare switch from Red Star Belgrade to city rival Partizan.Predrag Rajkovic, a 22-year-old former national youth team standout, made his senior debut at 18 and has put in another six appearances.DEFENSEBranislav Ivanovic has long been a defensive rock, playing more than 100 times for his country while winning trophies with Chelsea.The center back seemed a natural choice to remain captain when Krstajic took over. Instead, he picked Roma left back Aleksandar Kolarov, a seven-year Manchester City veteran admired by English fans for his reliable form and viral online Christmas videos.MIDFIELDERSMuslin’s departure was blamed largely on his reluctance to use Sergej Milinkovic-Savic, the tall, fast and versatile Lazio central midfielder.It was little surprise that the 23-year-old Milinkovic-Savic, called “the sergeant” in Italy for his commanding style, was included.The country’s second highly bankable star is another midfielder, Nemanja Matic, who has so impressed Manchester United manager Jose Mourinho that he’s a potential captain for next season. Steam emission over Taal’s main crater ‘steady’ for past 24 hours The late shift in philosophy, however, has raised fears that Serbia’s consistent results could unravel.One of seven national teams created after the breakup of Yugoslavia, Serbia has never made it past the group stage at a World Cup.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crownHere’s a closer look at the Serbia team:COACH Don’t miss out on the latest news and information. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Volcano watch: Island fissures steaming, lake water receding In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ Defenders: Antonio Rukavina (Villarreal), Aleksandar Kolarov (Roma), Milan Rodic (Red Star Belgrade), Branislav Ivanovic (Zenit St. Petersburg), Uros Spajic (Anderlecht), Dusko Tosic (Guangzhou), Milos Veljkovic (Werder Bremen), Nikola Milenkovic (Fiorentina)Midfielders: Luka Milivojevic (Crystal Palace), Nemanja Matic (Manchester United), Marko Grujic (Liverpool), Adem Ljajic (Torino), Sergej Milinkovic-Savic (Lazio), Dusan Tadic (Southampton), Filip Kostic (Hamburg), Andrija Zivkovic (Benfica), Nemanja Radonjic (Red Star Belgrade)Forwards: Aleksandar Mitrovic (Newcastle), Aleksandar Prijovic (PAOK Thessaloniki), Luka Jovic (Benfica)Sports Related Videospowered by AdSparcRead Next View comments Gilas last Filoil game leaves Uichico disappointed: ‘We didn’t play hard enough’
Chelsea manager Jose Mourinho has told talkSPORT he does not expect to add to his Premier League title-contending squad during the January transfer window.The rampant Blues have romped their way to the top of the table with an electric start to the season.Last term Chelsea struggled to challenge for the crown without a top quality goalscorer, but the summer signing of Spanish frontman Diego Costa has solved their problems in front of goal, the 26-year-old netting 12 times in all competitions so far.The addition of former Barcelona playmaker Cesc Fabregas has also proven to be a masterstroke from the Portuguese coach, but asked if he is planning to bring in any players when the transfer window reopens, Mourinho told The Sports Bar: “No.“We have a short squad but we’ve got good players, some younger, some older, but the squad is very, very good.“Our project is to start and finish the season with the same group of players, so there will be nobody to leave and nobody to come in either.”Mourinho admitted he feared for the fitness of young centre-back Kurt Zouma when the 20-year-old was stretchered off during Chelsea’s 3-1 Capital One Cup quarter-final victory over Derby.But the manager revealed the French starlet appears to be fine, having just suffered a cut to the inside of his mouth following a collision with goalkeeper Petr Cech.He added: “When I saw Zouma was down, I was scared because we can’t lose any players and certainly not for long periods of time.“When John Terry signalled that we needed to change I thought we might be in trouble, but no, happily for us and for the kid, we weren’t.“He’s fine, he took a punch from Petr and had a cut inside his mouth, so taking him off was just a precaution. He was fine in the dressing room after.”
25 February 2013 With South Africa set to mark the centenary of the notorious 1913 Land Act this year, the government is taking a number of steps to speed up land reform – including a shift from the “willing buyer, willing seller” to the “just and equitable” principle for compensation for land acquired by the state. In his State of the Nation Address to Parliament earlier this month, President Jacob Zuma announced that government would now pursue the “just and equitable” principle set out in the Constitution, instead of the “willing buyer, willing seller” principle which forces the state to pay more for land than its actual value. Zuma also announced proposed amendments to the Restitution of Land Rights Act to provide for the re-opening of the lodgement of restitution claims by people who missed the 31 December 1998 deadline. “Also to be explored are exceptions to the June 1913 cut-off date [i.e., claims for land confiscated before 1913] to accommodate claims by the descendants of the Khoi and San as well as heritage sites and historical landmarks.” Zuma said the government would also need to provide better incentives for commercial farmers that were willing to mentor smallholder farmers.Land redistribution Speaking during the debate on Zuma’s State of the Nation Address in Parliament last week, Rural Development and Land Reform Minister Gugile Nkwinti said farms transferred to black people through various redistribution programmes, from 1994 until January this year, amounted to 4 813 farms. This translated to 4.123-million hectares, benefiting 230 886 persons. He said a total of 50 440 beneficiaries were women (1.7-million hectares in the hands of women), while 32 563 were young people, and 674 were persons with disability. Nkwinti said the state had spent R12.9-billion on land. Of the 4.123 million hectares acquired, the government had, since 2010, recapitalised 696 farms into full operation, employing 4 982 permanent workers and investing R1.8-billion in infrastructure, inputs and strategic support. Of the 696 recapitalised farms, he said 332 were cropping and 364 were livestock farms. The gross income generated by these farms, as of 31 January 2013, was R126-million.Land restitution “Land acquired by the state for the restitution of land rights, since the inception of the programme [in 1995], amounts to 4 001 land parcels, translating into 1.443-million hectares,” Nkwinti said. “Of these beneficiaries, 136 968 are female-headed households, and 672 persons with disability have benefited. A total of R16-billion has been spent on the programme thus far. This in settling 77 148 claims; R10 billion for land acquisition, and R6 billion for 71 292 financial compensation claims.” Nkwinti said the 5 856 settled claims, translating into 1.443 million hectares, was land restored. He said this clearly illustrated that claimants had chosen financial compensation over land restoration, which was a reflection of poverty and unemployment. Nkwinti said a team of lawyers was working on the re-opening of land claims and addition of claims for land confiscated before 1913. The re-opening of lodgment of claims would take place once amendments to the Restitution of Land Rights Act had been signed into law by President Zuma. Source: SAnews.gov.za
Essential Reading! Get my 3rd book: Eat Their Lunch “The first ever playbook for B2B salespeople on how to win clients and customers who are already being serviced by your competition.” Buy Now Each of these four imperatives ensures that your sales force is effective at the individual level. They’re all necessary to building and sustaining a high performing sales force.A Prospecting Plan that Opens Opportunities: It’s one thing to expect your salespeople to prospect. Providing your sales force with a prospecting plan and the necessary tools to build the relationships that open opportunities is quite another. I told the story here about one sales organization that provided their salespeople with “all the leads they could handle” by throwing the telephone book on their desks.The sales force needs to know and understand their real targets. They need tools to nurture and open relationships. They need ideas that create value for their prospective clients. And they need a campaign that allows them to succeed overtime by persisting (and not by merely being a nuisance).If you want the sales force to do more prospecting, then you need to provide them with the plan for doing so.Differentiation with a Difference: I can’t tell you how many salespeople I’ve asked who have no answer for the question, “What makes you and your offering different?” If they can’t answer this question when I ask, I doubt they do any better when a prospective client asks.But even if a prospective client never asks directly what makes you different, it’s your differentiation that drives a wedge between you and your competitors. It’s the differences that make a difference for your clients that make you worth paying more for. Differentiation is why your prospective client would choose you over your competitors (or the status quo).If you want the sales force to differentiate in a meaningful way, you have to provide them with the differentiation strategy, language, and examples.Effective Sales Interactions: The salesperson sitting across from your prospective client has the greatest impact on the outcome of an opportunity. That’s where you win or lose. You aren’t there when those interactions happen. You need to be certain that each interaction is effective.You need a sales process that moves prospective clients from target to close. Your process needs to create value for your prospective client at each stage of the buying journey. Your salespeople need the mindset, the skill sets, and the tool kits to create the highest level of value. And it’s certain they need business acumen and situation knowledge to create that value.If you want to make your number, it’s improving that you improve the effectiveness of the sales force.Excellent Sales Managers: Generals may provide the vision, goals, and strategy, but it’s Colonels that execute and ensure those outcomes. In sales, that’s the first line sales manager.You need sales managers that are true leaders in their own right. You need to provide them with a model for coaching their teams—and the individual who make up that team. You need to provide them with the space and time to work on the results of each individual, and you need to protect them from serving the organization at the expense of their people.If you want a high performing sales organization, it starts with excellent sales managers.You can’t afford not to have the right opportunities, the inability to differentiate, the inability to create value during each sales interaction, or a leaderless sales force.QuestionsWhat do you provide the sales force in the way of an effective prospecting plan that helps them open new opportunities?How do you help your sales force explain the differences that make a difference for your client in a way that is compelling to your prospective clients?What do you do to ensure that your sales force is improving their ability to create value during every sales interaction?Does your sales force have the first line sales managers that it needs? Are they getting the best performance form their team and each individual team member?
Don’t miss out on the latest news and information. LATEST STORIES Private companies step in to help SEA Games hosting Panelo: Duterte ‘angry’ with SEA Games hosting hassles Hontiveros presses for security audit of national power grid Ethel Booba twits Mocha over 2 toilets in one cubicle at SEA Games venue PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss Allyn Bualnadi vs Pierre Tankoua. PBA IMAGESMANILA, Philippines—Valencia City Bukidnon-San Sebastian punched its ticket to the playoffs after a 96-92 comeback win in double overtime over Metropac-San Beda in the 2019 PBA D-League Tuesday at JCSGO Gym in Cubao.JM Calma made the game-sealing basket off a pass from Ken Villapando with 14.5 seconds left to give the Stags their sixth win in seven games.ADVERTISEMENT Sports Related Videospowered by AdSparcRead Next Philippine Arena Interchange inaugurated MOST READ SEA Games hosting troubles anger Duterte Cayetano: Senate, Drilon to be blamed for SEA Games mess View comments DA eyes importing ‘galunggong’ anew Boxing chiefs hit out at IOC over Tokyo threat “Everybody stepped up even the players who played limited minutes. Credit goes to the whole team. They were all composed in the last part of the game,” said San Sebastian coach Egay Macaraya in Filipino.Allyn Bulanadi led the way with 32 points, eight rebounds, five assists and five steals while RK Ilagan fired 31 points that went with six rebounds, five assists and four steals for the Stags, who trailed, 34-14, early. Calma finished with 12 points.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption chargesSPORTSSingapore latest to raise issue on SEA Games food, logisticsIlagan nailed the game-tying basket with 41 ticks to go in regulation to force the first overtime.Donald Tankoua posted a double-double with 20 points and 14 rebounds for the Movers, who squandered a golden opportunity to secure a twice-to-beat edge and instead fell to third in the Foundation Group with a 6-2 record.
Julen Lopetegui has refused to discuss the prospect of Thibaut Courtois arriving at Real Madrid and insists the club has complete faith in goalkeeper Keylor Navas.As reported by Goal, Belgium international Courtois has not reported for training with Chelsea this week amid intense speculation he is set to swap Stamford Bridge for the Santiago Bernabeu.Speaking after his team’s 2-1 International Champions Cup win over Roma in New Jersey on Tuesday , new Madrid coach Lopetegui would not be drawn on the transfer rumours regarding the former Atletico Madrid loan star. Article continues below Editors’ Picks Man Utd ready to spend big on Sancho and Haaland in January Who is Marcus Thuram? Lilian’s son who is top of the Bundesliga with Borussia Monchengladbach Brazil, beware! Messi and Argentina out for revenge after Copa controversy Best player in MLS? Zlatan wasn’t even the best player in LA! “As I’ve said, I don’t speak about players who do not belong to Real Madrid. I’ll only speak about the ones who are at Real Madrid and today is no different,” he said.”Did you see him today? Keylor is our goalkeeper. He’s here. There is no other goalkeeper we can talk about. Keylor, Kiko [Casilla], Luca [Zidane] and [Andriy] Lunin are the ones I can speak about.”Keylor is phenomenal. He’s been phenomenal all pre-season. He’s an extraordinary goalkeeper. He’s delighted to be with Real Madrid and we’re delighted to have him with us.”Goal understands that Chelsea will activate Kepa Arrizabalaga’s €80 million (£71m/$92m) release clause as they look for a replacement for Courtois.The move would break the club’s transfer record, set last season when the Blues signed Alvaro Morata in an initial £58m ($75m) deal, potentially rising to £70m ($90m), from Real Madrid.It would also make Kepa the world’s most expensive goalkeeper, less than a month after Alisson made the £65m (€73m/$85m) move from Roma to Liverpool.