4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Questions to ask when it’s time for your credit union to consider a change.by: Jennifer Forget and Lisa LiebmanAs credit union brands seek to reposition themselves to deepen relationships with existing members and attract new ones, there are many things to consider, most importantly whether or not rebranding is in order. Rebranding isn’t as simple as changing a logo and tagline. It’s a deeper consideration of how the brand behaves and relates to its audiences both internal and external.In a recent rebranding initiative for one of our New York-based credit union clients, there were several things that we considered before changing an identity that had over 20 years of equity in the marketplace. Here are some of the questions we asked ourselves, which you might find useful if exploring rebranding your credit union:What Questions Should You Ask Before You Begin?What’s the objective? Are you changing your offering? Are you simply trying to modernize? Are you changing to reflect a shift in ownership?For our client, the goal was to create a more modern and sophisticated identity, one that worked with both retail and business members and prospects. continue reading »
58SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Brian Abner Brian Abner is Chief Economist and Vice President of Market Strategies for LEVEL5. In his position he reviews market economics throughout the United States resulting in business growth strategies for … Web: www.level5.com Details “A great customer experience doesn’t feel like it was by design at all!” (CM World)Credit unions should engage members by creating the right purpose and value, while providing a frictionless omni-channel experience where service and relationships converge. Frictionless omni-channel is the concept of engaging members digitally and personally at once without disruption.Recently, I wrote an article about the “hybrid society” which illustrated how the physical and virtual worlds collide. It is the clashing of these worlds which creates the channels for frictionless product and service offerings to best serve existing members, while pursuing new relationships. It is important to ask the right questions and understand the actionable measures by which to create a truly strong channel offering emphasizing a “connected brand”. Credit unions must live in both worlds to provide a frictionless experience for members.Connecting with member sentiment and tastes are significant aspects. Members seek certainty, variety, significance, connection, growth and to contribute within their relationships. Therefore, using high-tech and high-touch tools will provide a purposeful vision for credit unions. Having a “connected brand” becomes an important aspect of maintaining your customer’s attention. Credit unions should consider aspects like digitalizing the customer’s journey, creating video campaigns over products and services, launching social campaigns, and customizing the customers overall experience. Fundamental changes in consumer behavior should influence the credit union’s corporate strategies, purpose and vision. There must be a value proposition for the member.Some identifiers for credit unions:The journey – members are using all manner of devices to conduct business, so it is vital that all device channels work seamlessly, avoiding fractured experiences by members. It is not a high-tech or high-touch experience, but should transcend into hybrid experiences that use the digital tools effectively to enhance the member’s “personal service” experience.Ecommerce – is more than just a digitalized picture, it is an opportunity to promote sales and connect with members. Transcending vibrant ecommerce channels while remaining highly engaged within the member’s community promotes a value driven proposition.Branches – are more than physical locations. No longer just a transaction center, but rather service centers where members can be given financial advice or discuss specific products of interest. Branches now house the expert to help consumers manage their financial needs. Members want to be a contributing factor towards their financial strategies. So when it comes to digital engagement verses branch transactions it’s not an either-or proposition. Engaging with the member should focus on balancing the relationship and digital tools to transcend the business proposition.Omni-channel strategy – is ever evolving to better satisfy member needs, while maintaining the brand consistency, which enhances the member’s experience. Frictionless experiences promote member retention. Purpose and profits should intertwine to create a better balanced structure with clear vision promoting better performance.Today’s banking segment requires a flexible platform that allows credit unions to serve members where they are across channels and devices. If you are planning to enhance your presence, then seeking collaboration with experts on omni-channel capabilities is a good first step. It is important to partner with knowledgeable companies who are able to deploy a seamless solution, while being flexible enough to meet the unpredictable innovations of tomorrow.The financial sector has become a complex and disruptive environment for banks. Today’s consumers hold unlimited information, high expectations and ultimately the buying power. Credit unions must ensure they are well-positioned to keep pace while by capitalizing on omni-channel dynamics. Unleashing and re-defining your member experience is a vital part to enhancing long-term relationships. Become the frictionless option for members and you’ll gain their loyalty.
Millennials have finally entered the housing market, but it hasn’t been easy for them. While the majority of homeowners are satisfied with their properties, millennials as a group report exceptionally high levels of financial stress and regret regarding their home ownership.Clever Real Estate’s recent millennial homeowner study examined the reasons for this generation’s home-related distress, and gleaned key insights into how credit unions could offer assistance in a way that would benefit both young people and CUs.Millennial homeowners seem especially unhappy when compared to baby boomers. While only 13% of baby boomers reported feeling stressed by homeownership, millennials were twice as likely to report being stressed by it. Part of this stress may be due to comfort or familiarity; 68% of baby boomers have lived in their current homes for more than 10 years on average, while 61% of millennials have lived in their homes for less than five years. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York By Sylvia DurresIf you were stuck in traffic en route to the Hamptons this weekend and thought you spotted Hollywood hunk Leonardo DiCaprio chillin’ with a Sports Illustrated swimsuit model on the side of Montauk Highway as you rolled by, you weren’t hallucinating.Oscar-winning megastar DiCaprio and his Danish supermodel girlfriend Nina Agdal were involved in a minor car accident this past weekend in the Hamptons, according to the New York Post‘s Page Six and DailyMail.DiCaprio, 41, and Agdal, 24, were riding along Montauk Highway in Wainscott in a Range Rover on Sunday when their car was rear-ended by a Mini Cooper, say the tabloids, and were temporarily stranded on the side of the road while police investigated the scene and a tow truck hauled away the Mini Cooper.The acclaimed actor, his gorgeous squeeze, and the driver of the Mini Cooper were all uninjured, the outlets report, and DiCaprio (ever the gallant gentleman and forever my Jack Dawson) was seen by witnesses checking to make sure the other driver was okay, while lovingly comforting Agdal as she affectionately nuzzled into her main man’s chest—PDA galore, actually, show the photos!DiCaprio, who first melted hearts around the globe alongside Kate Winslet in 1997’s Titanic and won a Golden Globe for Best Actor in his portrayal of creepy Long Island financial fraudster Jordan Belfort in 2013’s The Wolf of Wall Street, brought home an Academy Award earlier this year for his performance in The Revenant. He’s also been an activist for animal rights and the environment, particularly speaking out against global warming.You might say it’s been a rough couple of weeks for the Tinsel Town heartthrob. Besides the fender-bender, he recently got tangled up in a U.S. Department of Justice corruption investigation ironically involving allegations The Wolf of Wall Street was bankrolled by misappropriated funds from a multi-billion-dollar Malaysian Sovereign Wealth Fund. (DiCaprio is not named in the DOJ’s complaint, but referred to as “Hollywood Actor 1.”) Read The DOJ Complaint HERERelated: “Skinning The Wolf Of Wall Street: Victims Speak Out“Agdal graced the 50th anniversary cover of the Sports Illustrated Swimsuit Issue and has modeled for Victoria’s Secret and Billabong, among many other fashion mags and campaigns.No word yet on whether DiCaprio, who’s dated plenty of models before—including a five-year romance with Brazilian bombshell Gisele Bundchen—will do as Queen Bee suggests and finally “put a ring on it.”Either way, my heart will go on.(Photos: Leonardo DiCaprio and Nina Agdal’s Facebook profiles)
Aug 2, 2006 (CIDRAP News) – Seven people in Karo district of North Sumatra, Indonesia, are being treated for suspected H5N1 avian influenza, raising concern that the disease may have resurfaced near where human-to-human transmission was documented in an extended family in May.The Associated Press (AP) reported today that Indonesian health officials said the suspected cases fall into two clusters, one involving two sisters and the other consisting of three family members and two of their neighbors.Three of the patients are children who are believed to have been infected by chickens, the AP reported. The children include 10- and 6-year-old sisters and an 18-month-old boy who is their neighbor. Reuters news service reported today that the children were hospitalized yesterday.Blood samples were taken from the patients when they were admitted to Adam Malik hospital in Medan, health ministry official Hariadi Wibisono told the AP. Tests have not yet confirmed the H5N1 infection, but the patients are being treated as if they have the disease. Luhur Soeroso, who is treating the patients, told the AP that the seven patients have fever, cough, and other symptoms that have been associated with avian flu.In the North Sumatra case cluster in May, seven of eight family members tested positive for H5N1 avian flu, and only one family member survived. The cluster, believed to be the largest to date, marked the first documented instance of person-to-person transmission and the first three-person chain of infection, the World Health Organization said in June. Person-to-person transmission has been listed as possible or likely in several other case clusters.Indonesia’s official avian flu toll is 54 cases with 42 deaths, which ties it with Vietnam for the most deaths. All of Indonesia’s human H5N1 cases have occurred since mid-2005.Elsewhere in Indonesia, animal health officials on the resort island of Bali said hundreds of dead chickens have tested positive for H5N1 infection, according to an AP report yesterday. Health official I Gusti Hgurah Sandjaja said the outbreak involved 300 chickens, with no indications of any human cases. The AP report said health workers culled a large number of ducks and chickens on Bali earlier this year after several birds became ill.In Thailand, avian flu outbreaks seem to be spreading south, as evidenced by suspicious deaths of chickens in Lop Buri province in the lower central region, according to a report today in The Nation, a Thai newspaper. A 61-year-old woman in the province fell ill with avian flu–like symptoms after her backyard chickens died, said the report. The woman was admitted yesterday to Ban Mi Hospital, where a preliminary avian flu test came back positive, the newspaper said. Confirmatory tests are pending.According to a Web site of the Thai Ministry of Health, 144 patients from 24 provinces, mostly in the north, were on a watch list for avian flu as of yesterday.See also: Jun 23 CIDRAP News article “H5N1 mutation showed human transmission in Indonesia”
SHARE Email Facebook Twitter Criminal Justice Reform, Equality, National Issues, Press Release, Prison Reform New York, NY – Governor Tom Wolf, Lt. Governor John Fetterman and Pennsylvania Department of Corrections Secretary John Wetzel joined leaders from the worlds of sports, entertainment and business in New York today as they announced the launch of REFORM Alliance, an organization focused on transforming the American justice system.“I have been a steadfast supporter of criminal justice reforms that are fair, help our system work better and smarter, and save crucial taxpayer dollars while balancing public safety and victim concerns,” Governor Wolf said. “The passionate supporters of criminal justice reform here today invited my administration to attend this announcement because Pennsylvania is a leader in commonsense reforms. I’m pleased to be here today.”REFORM’s founding partners include award-winning recording artist Meek Mill; Philadelphia 76ers co-owner and Fanatics executive chairman Michael Rubin; entrepreneur and business mogul Shawn “JAY-Z” Carter; Kraft Group CEO and New England Patriots owner Robert Kraft; Brooklyn Nets co-owner and philanthropic investor Clara Wu Tsai; Third Point LLC CEO and founder Daniel S. Loeb; Galaxy Digital CEO and founder Michael E. Novogratz; and Vista Equity Partners founder, chairman and CEO Robert F. Smith.REFORM named activist, author and CNN host Van Jones to serve as the organization’s Chief Executive Officer (CEO). In his role, Jones will oversee the implementation of the alliance’s mission and spearhead operations management.As a leader in bi-partisan criminal justice reforms, Pennsylvania was the first and remains the only state to pass and implement a Clean Slate law that allows formerly incarcerated or arrested individuals with certain types of convictions to have their records sealed if they have not been convicted for 10 years and no fines or costs are owed. The legislation was co-sponsored by representatives Sheryl Delozier and Jordan Harris and supported by Senator Anthony Williams.Gov. Wolf today again pledged his continued support for additional criminal justice reforms:Focus on probation reform to ensure the right individuals have the right level of supervision and technical probation violations do not mean an immediate return to incarceration. This works hand-in-hand with first ensuring sentences are commensurate with the severity of crimes committed.Pass and implement the Justice Reinvestment Initiative, or JRI 2, to address the high cost of incarceration in the state, to strengthen support for county probation programs, and to fix inadequate sentencing guidelines.Reform the pre-trial system to make certain that those accused of a crime have access to competent legal counsel and a reasonable bail system.Reform the post-trial criminal justice system to ensure work towards rehabilitation of individuals and preparation to reenter society, rather than creating further risks for recidivism.In addition to the Clean Slate law, Pennsylvania has also:Announced a Fair-Chance hiring policy for state agencies that removes the criminal conviction question, otherwise known as “banning the box,” from non-civil service employment applications for agencies under the governor’s jurisdiction.Signed Tierne’s Law, strengthening protections for victims of domestic violence. Tierne Ewing, a victim of domestic violence, was murdered by her estranged husband in 2016 after he had been arrested for domestic abuse, then released.Signed the Timothy J. Piazza Antihazing Law, which strengthens penalties for hazing and ensures that schools have safeguards to protect students. Timothy Piazza was a 19-year-old Penn State University student who died in February 2017 at a fraternity.Made it harder for domestic abusers to use firearms to kill, terrorize, and control their victims and others by signing Act 79 of 2018, which includes a reform long-sought by domestic violence and gun safety advocates.Signed the “Clean Slate” bill, the first of its kind in the nation, to help those who have committed low-level offenses and have paid their penalty get back on the path to a blemish-free record, removing potential roadblocks to jobs, housing, health care, and education.Signed Act 95 of 2018, eliminating driver’s license suspensions for non-driving infractions.Signed Act 130 of 2018, the “Safe Harbor” law, which shields children who are victims of human trafficking and sexual exploitation from prosecution for crimes their abusers forced them to commit, enhances law enforcement training, and establishes a new fund for victim services.Signed Act 146 of 2018, extending the time a convicted individual has to file a post-conviction relief action to one year, from what was 60 days under current law.Signed Act 147 of 2018, updating Pennsylvania’s DNA testing law to reflect significant advances in technology and the lessons learned by criminal justice professionals since 2002. The legislation removes the supervision requirement that only people serving a sentence can apply for DNA testing.Signed Act 148 of 2018, a victim protection bill regarding housing options and emergency transfers.Announced a record decline in the state’s prison population, while also experiencing a drop in crime.“The efforts in Pennsylvania are working, but we must continue towards building the criminal justice system we all want to see in Pennsylvania and across the United States,” Gov. Wolf said. “My hope is that REFORM Alliance, working together with states, advocates and legislators can continue to make a difference in advancing criminal justice reforms.”To learn more about the REFORM Alliance, please visit http://www.reformnow.com/. Governor Wolf Joins Business and Entertainment Leaders to Announce National Criminal Justice Reform Organization January 23, 2019
Press Association Substitute Luke Moore grabbed his first league goal of the season five minutes from time to give the Swans the three points. The win caps a memorable week for Swansea as they reached the 40-point mark just six days after securing their first major piece of silverware with Capital One Cup success over Bradford at Wembley. Laudrup said: “There was a lot to be pleased about today. Firstly the win and secondly our attitude. I spoke in the week about the fact you sometimes see a negative reaction after a big win, but our reaction was an excellent first half where we showed lots of good touches, movement off the ball, and we created chances.” Swansea manager Michael Laudrup praised his side after they showed no signs of a Wembley hangover in beating Newcastle 1-0 at the Liberty Stadium. He added: “We went in at 0-0 but we deserved so much more. After that, Newcastle came into the game and had some very good chances but, like us, they did not score when they were at their best and so that late goal decided the game. “It shows our maturity, sometimes with smaller teams when they do well and get recognition from the media you see a reaction in the game after. “You can forget every game starts 0-0. I expected what I saw today, but I still had to say it as when you win a cup a negative reaction is normal.” Laudrup was also pleased for Moore. Moore’s previous Premier League goal came almost a year ago against Manchester City, and Laudrup said: “It is good for Luke to come in and score in a very important game. “He has helped us to reach 40 points a week after the cup win and it has made this a really great week. He has been out of the side for several weeks but when we have rotated the squad we have tended to do well.” Newcastle manager Alan Pardew, meanwhile, felt his side, who remain six points above the relegation zone, had deserved at least a point, and he said: “We are frustrated and disappointed we did not even get a draw as we more than deserved that. “We sat off them for the first 20 minutes of the first half but we sorted that at half-time. In the second half I thought they had settled for a draw, they knew they were doing well to stay in it.”
The attacker made his England debut against Chile in November and was part of the squad for the recent friendly with Denmark, putting him in the running for a World Cup spot that may well have been cruelly taken away from him. Rodriguez was given a standing ovation by both sets of fans as he left the field, while there were messages of support on Twitter from the likes of Gary Lineker, Joey Barton and Dietmar Hamann. “Gutted for Jay Rodriguez,” former Germany international Hamann said. “What a fantastic season he has had. Will weaken England if he’s out the World Cup.” England international Theo Walcott will miss this summer’s tournament in Brazil with an anterior cruciate ligament injury, which has also struck down Colombia striker Radamel Falcao and Spain goalkeeper Victor Valdes recently. The England international had netted five goals in four games heading into Saturday’s clash at Manchester City, where he was forced off midway through the first half. Rodriguez appeared to sustain a serious injury to his right knee after landing awkwardly, resulting in him being taken from the field on a stretcher. Jay Rodriguez’s World Cup hopes are in serious doubt after sustaining a knee injury which manager Mauricio Pochettino admits “does not look good” for the Southampton attacker. Press Association The full extent of the injury will not be known until the swelling subsides, but Pochettino fears the worse for the 24-year-old. “To be completely honest, it is not looking good,” the Saints boss said after the 4-1 defeat in Manchester. “We need to assess him today and tomorrow, but it is not looking good. It is not going to be good for him, not good for the team. “I can’t really know exactly what is wrong with him and when I am going to see him again in a Southampton shirt. “We need to analyse him today and tomorrow to know the exact reality of his injury. “All the players are really affected, not just about the result and the refereeing decisions but more than anything the doubt about how severe his injury is.” Asked if he thought it was ligament damage, Pochettino said: “It is possible but at the moment I can’t really say anything at all because we have not analysed him yet.” If Rodriguez has suffered anterior cruciate ligament damage, he will face at least six months on the sidelines, with the injury witnessed first-hand by England boss Roy Hodgson.
The Price School of Public Policy’s Associated Students of Planning and Development hosted Planning for College on Wednesday, an event where high school students learned about urban planning and gained insights on the college admissions process.The event was held from 9:30 a.m. to 1:30 p.m. in the Ronald Tutor Campus Center. ASPD members in Price’s Master of Planning program organized the activities and led 42 visiting high school sophomores through a series of exercises and informational seminars.The day began with an introduction from ASPD president Benjamin Frazier and an address from Price professor David Sloane, who teaches courses in urban planning, policy and history and community health planning and policy. After the welcome, students participated in an activity in which they mapped out their own neighborhoods and schools, examining why these places are organized the way they are.Following the neighborhood mapping, the high school students broke up into small groups and rotated between three different activities, including a “Before and After” exercise, where they matched old photos of different areas with their current counterparts to observe changes over time; a “Streetmix!” activity during which students designed their own street layouts and a Price admissions information session. Students engaged in a capstone activity where they designed their own cities using the tools and skills they gained throughout the day.ASPD coordinated the event with GEAR UP 4 LA, a federally funded program that aims to help low-income minority high school students successfully graduate and enter college. The participating high schoolers came from the Robert F. Kennedy Community Schools, located in the historically underserved areas of Koreatown and Pico-Union.“[Planning for College] is meant to be an introductory seminar to let students know about planning as a career and show them how they can get involved in their community even if they aren’t planners,” Frazier said. “Most urban planners didn’t know about planning when they entered college, so we just want to show high schoolers that planning is a viable career option and that it affects many aspects of their lives, while also incorporating college preparatory aspects.”Justin Pascone, ASPD social chair and event volunteer , said that the Planning for College program merges city planning and life planning.“At Planning for College, we try to combine the ideas of planning a city and planning your life,” Pascone said. “We show them how to set goals and achieve them through planning, which applies to both urban planning and college preparedness and bridges the gap between the two.”Participating high school students also commented on what they learned, as well as their new interests in urban planning.“It was really cool to learn about our neighborhoods now and what they looked like before, and seeing how they’ve changed over the years,” said Joshua Valdivieso, a sophomore at Robert F. Kennedy Community Schools.Students also discussed different aspects of the college admissions process.“I learned about how numbers, like GPA and test scores, aren’t that important and that it’s more about what you do and how you help other people,” said Sage Cuza, a sophomore at Robert F. Kennedy Community Schools. “It’s also not about making yourself look good on paper, but about doing what’s important to you.”