Tidying up your credit union
There are two ways to clean a garage. One, you can cherry pick what no longer has value and discard it. Two, and my personal favorite, is to drag everything out into the driveway and make it earn its way back in. After 12 years of living in our house, “we just moved” was no longer an excuse for the one side of our garage consumed by 12 years of junk. It was time for a major clean up. I dragged all of my tools, boxes, worn down toys, bikes and bookcases into the driveway. After evaluating the mountain of accumulated treasure, I was surprised at what didn’t make its way back in. It somehow seemed to lose value once it left the shelf. I was so delighted with the reclaimed space and decluttered environment, that we now have a bi-annual cleaning of the garage.One of the hottest shows right now on Netflix is Tidying up with Marie Kondo. This is a television show that teaches people how to declutter their lives. Have we gotten this bad? Yep. This clutter-free obsession is sweeping the country and, hopefully, will sweep the business community as well.Do you have an annual review to declutter your credit union? I’m not necessarily speaking of physical clutter, but rather taking a look at last year’s practices of serving members and making them earn their way back into this year’s practice. Are there habits that need to be discarded or updated? What earns its way back onto your calendar? When you assess ideas, methods, practices, and attitudes, you will either affirm what’s working or make room for innovation and improvement. 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Patrick Henry Patrick Henry is an author and speaker from North Carolina. As a former Nashville songwriter and humorist on the SiriusXM Radio Family Comedy Channels, he delivers funny and entertaining keynote … Web: www.patrickHenrySpeaker.com Details
2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Loraine Catlett Loraine Catlett has been with SWBC since 2009. As an Assistant Vice President for Training & Performance, Specialty Products, for SWBC’s Financial Institution Group, Loraine specializes in performance consulting, … Web: www.swbc.com Details As products become more complex and technologically advanced, companies have the opportunity, and in some sense, the responsibility to educate and nurture consumers through research and acquisition cycles. As brands compete to communicate differentiators and target preferred customers, sharing relevant and ongoing information with consumers positions you as a trusted source, and according to Conductor Spotlight, consumers are 131% more likely to buy from a brand immediately after they consume educational content. According to the National Foundation for Credit Counseling, four out of five U.S. adults say that they could use professional advice about basic financial issues, half lack confidence in their retirement savings, and almost a quarter do not pay all of their bills on time. There are a plethora of frequently asked questions regarding financial planning at all stages of life. Your institution can respond with helpful information on topics including college savings options, car or homebuying financing tips, lower-cost alternatives to payday loans, and investing for retirement. You can provide educational material in a variety of easy-to-digest formats including:BlogsWhitepapersTweetsShort videosInfographicsAnd moreBecause there are so many options for distributing educational material, and you have finite resources, it’s important to know exactly where you should focus your efforts by getting smart about metrics and data. Track clicks and readership to determine which sources are most popular for receiving information, and allow a place where people can submit their questions for you to keep in your arsenal of topics to cover. Keep your social media feeds and stories updated regularly with key information, and submit polls to your followers so they can actively engage with you and tell you what they want to know.In addition to print and digital distribution, you can offer free educational classes or seminars to your customers and prospective customers, remembering to cater to your community’s individual characteristics. For example, if your area has a significant Spanish-speaking population, classes offered in Spanish may be beneficial. Never assume that someone knows the definition of something—speak in universal terms that are easy to comprehend. Get creative, use metaphors, appeal to all of the senses, and most importantly, be consistent and targeted with your education strategy. Education is the first step in marketing. You can push a product all day but what does that mean to your customer? Do they even know who you are? Educate them not just on what you do and what you can provide but who you are foundationally and in the community. If a consumer isn’t discovering information through you, they will find it elsewhere. Be that trusted advisor and you’ll continue building your business with more engaged, knowledgeable members. Another benefit of the educated consumer is higher quality reviews. Consumer research indicates that 91% of people regularly or occasionally read online reviews, and 84% trust online reviews as much as a personal recommendation. Knowing that 68% form an opinion after reading between one and six online reviews, that extra level of service and solutions-based transparency you’re providing will make your financial institution—and its empowered members—stand out from the competition.Need some inspiration? Click here for education topic ideas to get you started. 
Stuff.co.nz 27 Feb 2013The more sex partners young women have, the more likely they are to become dependent on drugs and alcohol, says a new study.University of Otago researchers found young people in general were at greater odds of developing alcoholism and cannabis dependency the more sex partners they had – with the odds even greater for young women.The study tracked the health and behaviour of more than 1000 people from birth in Dunedin in 1972-73.Researchers looked at how many sex partners the study participants had during three age periods: 18-20, 21-25, and 26-31 years.They then looked at their mental health immediately after each period, including anxiety, depression, and substance dependence.The study’s lead author, Dr Sandhya Ramrakha, said women who had 2.5 or more partners each year increased their odds of having a substance dependence disorder by up to 17 times.“This is a striking increase in the risk of substance disorder,” said Ramrakha.“Furthermore, when we used a model to compare men and women who had more than 10-20 sex partners in the same periods, we found that these women were much more likely to have a substance disorder than the men.”She said the strong link between the number of sex partners and substance disorders stayed even after taking into account pre-existing mental disorders and substance problems.http://www.stuff.co.nz/life-style/love-sex/8358035/Number-of-sex-partners-linked-to-drug-dependency
LocalNews CARICOM supports Dominica’s candidacy for director-general post at PAHO by: – July 7, 2011 Sharing is caring! Share Share Tweet
Share 15 Views no discussions The Caribbean Community Secretariat (CARICOM) through its membership body has indicated that they will support Dominca’s candidacy for the position of Director-General of PAHO.Prime Minister Roosevelt Skerrit says CARICOM’s support for Dr. Carissa Etienne was confirmed at the Heads of Government meeting in St. Kitts last week.“CARICOM also provided support to Dominica’s candidacy for the director general position at PAHO and you would have seen in the communique’ CARICOM indicated that the whole CARICOM, the entire membership of CARICOM will support to Dr. Carissa Etienne next year when the post becomes vacant. That is a very important signal from the solidarity of CARICOM to another sister nation in the particular request” he said.If confirmed to the position next year, Dr. Etienne will be the first Dominican to hold this position.Presently, Dr. Margaret Chan who hails from the People’s Republic of China is the Director-General of PAHO and her term will run through to June 2012.Photo credit: dominica.gov.dmDominica Vibes News
Verda Mae Holliday, of Sunman, was born on August 3, 1927 in Booneville, Kentucky, a daughter to Steve and Elizabeth McIntosh Burns. She married John Holliday on October 2,1948 in Lawrenceburg. In her later years, Verda fulfilled a life-long dream of finishing school when she became a licensed cosmetologist. She was an active member of Dearborn Baptist Church and enjoyed cooking and gardening and was a very good guitar player. On Tuesday, November 6, 2018 at the age of 91, Verda passed away at Woodland Hills Care Center in Lawrenceburg.Those surviving who will cherish Verda’s memory include 2 daughters, and 2 granddaughters. Besides her parents, she was preceded in death by her husband, John D. Holliday on June 17, 2018; an infant daughter, Jennifer Elizabeth, and 6 siblings, Sherman, Roy, Leslie, Colburn, Fayette, and Effie.Friends may visit with the family on Friday, November 16, 2018 from 5 until 7 p.m. at CookRosenberger Funeral Home, 107 Vine Street, Sunman. Funeral services will be held on Saturday at 11 a.m. at the funeral home and burial will follow in St. Paul Cemetery.Memorial donations can be directed to a charity of choice. To sign the online guestbookplease visit www.cookrosenberger.com. The staff of Cook Rosenberger Funeral Home is honored to care for the family of Verda Holliday.
Brookville, In. — Grant applications are being accepted by Stayin’ Alive in Franklin County for projects or programs directed at reducing substance abuse. Applications are due by noon on Friday, March 1.Each grant will be considered individually and the amount will vary based on circumstances, need, program model, number of applicants and funds available.For more information please call 765-647-7272.
RelatedPosts Runarsson joins Arsenal on four-year deal Arsenal, Wolves want Michael Olise Akpom pens Middlesbrough loan deal Arsenal vs. Crystal PalaceVenue: Emirates StadiumKick off: 5:30PMArsenal will hope that Nicolas Pepe can build on his match-winning brace against Vitoria de Guimaraes in the Europa League last time out as they host Crystal Palace in domestic action.Arsenal were made to work for their victory in the Europa League in midweek, going behind twice to the Portuguese outfit and being forced to come from behind to win 3-2 at the Emirates.Gabriel Martinelli’s first-half header provided the initial equaliser, but two excellent free kicks from Pepe – on as a substitute – were needed late on to seal the victory.It was another disappointing Gunners display, albeit with a more positive result than their last league fixture – a 1-0 defeat against newly-promoted Sheffield United.Despite the loss to the Blades being just the Gunners’ second defeat in all competitions so far this season, the quality – or lack thereof – of Arsenal’s performances under Unai Emery has seen the head coach come under fire.Individual performances have often come to the Spaniard’s aid, with Pierre-Emerick Aubameyang in sizzling form this season, having hit eight goals from just 11 appearances across all competitions.With Pepe requiring time to adapt and Alexandre Lacazette enduring a period out with an ankle injury, it has been left to the Gabon striker to carry the attacking workload almost single-handedly.However, with his first-choice front three close to being fit and firing, Emery will be expected to coax a higher level of performance out of his men, particularly given that Arsenal do not face a fellow top-six side in their next seven league fixtures.Should more results such as the defeat against Sheffield United occur, however, the Gunners hierarchy may be tempted to look elsewhere for a man who can get the best out of a talented crop of players.Meanwhile, Crystal Palace have enjoyed a strong start to their Premier League campaign thus far, sitting sixth in the table.Just two defeats in their last six league games – both against top-six opposition – and back-to-back wins before their 2-0 defeat against Manchester City last time out have left them in a strong position.However, the game against the reigning champions signalled the start of a punishing run of fixtures. The Eagles play Arsenal, Leicester City, Chelsea and Liverpool in their next four games.Their fixture list is significantly kinder following that sequence, with no more top-six opponents in their following eight league outings.Wilfried Zaha will be one to keep an eye on in this encounter, having very publicly pushed to leave Palace for the Gunners in the summer.However, Arsenal baulked at his asking price and instead moved to sign Zaha’s Ivory Coast international teammate Pepe from Ligue 1 side Lille.Zaha has not shown his best form so far this term, with no goals and just one assist in 10 appearances across all competitions – a significant drop-off from last season’s tally of 10 goals and 10 assists in the Premier League.The forward could be motivated to produce his best against Arsenal, though, in a bid to convince the club he has supported since he was a child to come back in and get him either in January or next summer. Arsenal possible XI: Leno, Chambers, Sokratis, Luiz, Kolasinac, Guendouzi, Xhaka, Pepe, Ceballos, Saka, Aubameyang.Crystal Palace possible XI: Hennessey, Ward, Tomkiins, Cahill, Van Aanholt, Zaha, Kouyate, Milivojevic, McArthur, Schlupp, Ayew.Tags: ArsenalArsenal FCCrystal Palace
RelatedPosts French court suspends relegation from Ligue 1 PSG retains Ligue 1 title Fabregas scores in Monaco’s first win in seven league games Toulouse sacked coach Antoine Kombouare on Sunday after Saturday’s humiliating 1-0 Coupe de France round of 64 defeat to amateur side Saint-Pryve-Saint-Hilaire extended the club’s worst-ever run of form. The 56-year-old, who oversaw two wins from his first three matches in charge before a run of 10 consecutive losses across all competitions, was only appointed in mid-October as Alain Casanova’s replacement. Lille at home in Ligue 1 and Niort away in the Coupe de la Ligue were Kombouare’s only successes with the club before the barren run set in. However, his final match was a shock defeat to Saint-Pryve, with Carnejy Antoine scoring the game’s only goal in the sixth minute of stoppage time. Denis Zanko has provisionally moved up from the youth academy to lead the senior side ahead of Saturday’s home clash with Brest. Toulouse are bottom of Ligue 1 on goal difference with Nimes also on 12 points. President Olivier Sadran said in mid-December after a 1-0 loss at home to Reims in Ligue 1 that he was prepared to reimburse season ticket holders because of lacklustre performances. Kombouare has previously coached Paris Saint-Germain, Lens, Strasbourg, Guingamp, Dijon and Valenciennes in France. Meanwhile, Ligue 2 side Niort also parted ways with coach Pascal Plancque after their shock Coupe de France defeat to Saint-Pierroise over the weekend. Saint-Pierroise, who come from Reunion, which is just off the coast of Madagascar, travelled almost 10,000 km to win on the mainland and become the first overseas team to qualify for the round of 32 of the Coupe de France in over 30 years.Tags: Antoine KombouareDenis ZankoSaint-Pryve-Saint-HilaireToulouse
Our Sports ReporterGUWAHATI: Promising shooter from Assam Hriday Hazarika, added two more international medals in his coffer yesterday and this time in an international meet in Hannover (ISCH) in Germany. Among the two medals one is bronze which Hriday collected in junior category of 10 meters Air Rifle. He was also the part of Indian junior team which won gold in the 10 meters Air Rifle.Also read: Local Sports
Facebook Twitter Google+ Published on March 21, 2014 at 1:44 am Contact Trevor: tbhass@syr.edu | @TrevorHass No. 3-seed Syracuse and No. 11-seed Dayton will play at 7:10 p.m. on Saturday at First Niagara Center. The game will be televised on TBS.The Orange (28-5, 14-4 Atlantic Coast) blew out No. 14-seed Western Michigan 77-53 on Thursday. Dayton (24-10, 10-6 Atlantic 10) upset No. 6-seed Ohio State 60-59 on a floater by Vee Sanford with six seconds left. Syracuse’s practice will be closed Friday and the team will participate in interviews at 2:20 p.m. The winner of SU-Dayton will advance to the Sweet 16 in Memphis, Tenn. Comments AdvertisementThis is placeholder text