41SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Anne Legg Anne Legg, founder and principal of THRIVETM Strategic Services THRIVE works with credit unions to develop transformational business strategies from their business insights to grow in a competitive, highly regulated … Web: https://www.anneleggthrive.com Details Many can thank Uber for improving the quality of our lives, not only in providing an alternative to taxis but also for launching a successful platform for the concierge service economy. The concierge economy is the on-demand, at-your-doorstep convenience for tasks, errands and luxury. Want someone to do your grocery shopping, walk the dog, clean your house, make dinner and give you a facial? In today’s concierge economy, with the touch of an app, you have your life organized and tasks completed.While many of these concierge services are currently being tested in major markets, Uber still remains the case study for success — proving that consumers have demand for offerings in this new economy and early-entry, high-quality providers are best positioned to win.What will consumers be looking to the concierge economy to deliver in terms of financial products and services?Fortunately, mobile banking, check deposit and payments have already provided ease and simplicity to many members’ financial lives However there are two pain points where credit unions can invest to further develop concierge solutions and these points are related to purchasing cars and financing homes.Car shopping and purchaseThe current car purchase process traditionally involves visiting an auto dealership, dealing with high-pressure sales staff and equally as pushy financing professionals. It is not uncommon to hear consumers say they would chose a root canal over car shopping.In a concierge economy, the member would use their credit union (who has already pre-approved them for their loan) because it offers a service that allows the member to find a car for the price they want (this already exists) and the service would also bring the desired car to the member’s home or office to test drive. From there, if the member likes the car, they could sign the loan right there on a mobile device, and the credit union contact would drive away the members’ old car to complete the concierge service. Easier mortgage processesPurchasing a home is one of the biggest loans most members will experience in their lifetime. This being said, it is rightfully complex and involves much authentication and documentation. To make this process easier, a credit union could offer a mortgage professional to deliver the documentation to the member at their convenience, not the other way around, which is current practice. Offering a concierge service in this area may have the greatest impact to driving loan volume as well as creating a differentiation in the marketplace.Cars and homes are obvious pain points to members, but what are others? Building concierge services as pain relievers are not only technologically savvy, they may be crucial to your credit union’s success.For more strategies to assist credit unions in their long-term success, please reach out to Anne, VP of Marketing at Fiserv Credit Union Solution, [email protected]
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » Emotions are part of the human condition. We deal with them in every interaction, every single day. From work to home to social events, our emotions shift depending on many factors. In the workplace, when expectations are high and resources are low, emotional outbursts might become the norm rather than the exception. When you are in a position of leadership, you also have the added pressure to set the tone for others to follow.Aiming for an “emotion free” business environment, while perhaps a nice thought, is also completely unrealistic. Too many unforeseen events and outside influences make it impossible to work in an emotionally controlled environment. The secret to success is learning how to manage those emotions, whether you are in an aspiring leader or the CEO.Here are some tips to help you navigate the sometimes-messy world of alpha personalities, divas and leaders-in-the-making professionally and successfully.Honesty Goes a Long WayNo one likes to work with Mr. or Mrs. Perfect. If you’re honest about your struggles, your team will develop stronger feelings of loyalty and trust because they can relate to you. In fact, it might make them more mindful about not creating chaos themselves.
Cartoon on Trump, McCain offensiveI am really saddened by The Daily Gazette’s publishing of the cartoon of Trump tweeting a repulsive tweet dropping poop on Sen. John McCain’s tombstone. I find it very offensive and not newsworthy.Coni TrackiAmsterdam Categories: Letters to the Editor, OpinionBlame CEOs, not unions, for GE woesI’m glad Michael Davi enjoyed his years at GE starting in l976. I agree “what’s happening lately is disturbing.”While Davi was enjoying gas turbine, I was at headquarters promoting Jones’ program called “Factory of the Future” to modernize U.S. GE manufacturing plants. Jones knew competitors like Siemens had productivity increases of 8 percent a year because of plant- and equipment investments.But don’t blame the unions for resisting automation. I also knew the GE negotiators, Baldwin and later Rocheleau. Yes, the 60s were rough. But in the 70s, the unions supported CEO Reginald Jones’ plans to modernize the 150 U.S. factories to be more competitive.When Jack Welch succeeded Jones in 1981, he canceled the “Factory of the Future” program. He turned GE into a financial company by selling GE consumer-, industrial- and defense businesses. No longer did 10 percent of profits go into R&D. Product development labs were closed. Advanced technology was even sold. Jones, right before his death, rued the day he supported the GE board and backed Welch and not Stan Gault, who went on to head Rubbermaid and later Goodyear, which are old and very viable U.S. businesses today. Too many greedy CEOs like Welch find it easier and more profitable (for themselves) to harvest a garden rather than grow it.Today, we now have a hedge-fund manager in charge of what is left. Jack Welch has no worries because he left with a golden parachute of $417,361,902 (www.GMIratings.com) plus a $9 million-a-year pension.Mary KuykendallBallston Lake Get facts on failure to act on climateBased on the March 22 Gazette column by Nicolas Lortis, a fellow at the Heritage Foundation, the Green New Deal isn’t needed. He claims if we cut our CO2 emissions by 100 percent, it won’t make a difference. Let’s keep our big gas-hog pickups and SUVs filled with red meat.Yes, do what he suggests. Assume we maintain a 2 percent annual growth in GDP through 2100, and we dump all those nasty regulations on fossil fuel consumption. The United States would add some 370 Gigatons of Carbon (GtC) over the next 81 years. Climate scientists have developed what’s termed the “Carbon Budget.” This states that humans can add only 1000GtC to the atmosphere to limit temperature increase to 2C. As of now, humans have put in 535GtC since 1750, meaning we can add only 465CtC more. If we stay the same, the rest of the world (96 percent of the population) can emit only 95GtC. We get to generate 80 percent of the gases, everyone else 20 percent. Realistically, the world will generate sufficient CO2, that the IPCC 2015 RCP8.5 Scenario best describes our future planet. Global temperatures would be 4.8 degrees C higher in 2100, with CO2 over 900 ppm. This is catastrophic for our planet and my grandchildren. The Green New Deal needs to be seriously evaluated on how it will limit climate change. Let’s start by all becoming familiar with the science. Check out Coursera, a MOOC offering free climate change courses from major universities worldwide. Be concerned.Don CooperAmsterdamMore from The Daily Gazette:Foss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Beware of voter intimidationEDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Thruway tax unfair to working motorists
A video of young people brawling in the waters of a seafront area in Kalibaru subdistrict, Cilincing, North Jakarta, has gone viral on social media, prompting authorities to stand guard near the location.The video, posted on Sunday by Instagram account @jakut.info, showed dozens of young people having a confrontation in the waters while swimming, some of them carrying various kinds of sharp weapons. Topics : Responding to the video, Cilincing Police chief Comr. Imam T. B. said most of the people involved in the brawl were Cilincing residents. He then sent personnel to visit the location, despite it being outside of his authority.“We went to the location and they disbanded immediately,” Imam told tempo.co on Wednesday, adding that some of the youths threw their weapons into the sea.According to a press release issued by the North Jakarta administration on Tuesday, the police also detained two teenagers with sharp weapons and ceramic shards.In the statement, Kalibaru subdistrict head Slamet Alfarizi said that police, military and Public Order Agency (Satpol PP) personnel, as well as local residents, also conducted patrols in the past three days around the area to prevent another brawl.Cilincing district head Muhammad Andri commended the joint patrol.“May our hard work build a safe and orderly Kalibaru for all of us.” (mfp) “On Sunday at 5 p.m., there was a brawl on the coast of Jakarta; a group of youths was seen fighting,” the caption of the Instagram post said.
Asafa Powell ran the fastest 100 metres in the world this year when he clocked a blazing 9.84 seconds at the Jamaica International Invitational in Kingston on Saturday.The time was the former world record holder’s fastest in five years as the 32-year-old beat American Ryan Bailey (9.93) and Jamaican Nesta Carter (9.98) in the first sub-10 seconds 100 of the year.The meeting also produced four other 2015 leading marks. U.S. Olympic champion Sanya Richards-Ross delivered the first sub-50 seconds women’s 400m, clocking 49.95, and Bahamian Shaunae Miller beat a high quality women’s 200m field in 22.14.Rapidly improving Jasmin Stowers lowered her women’s 100m hurdles leading time to 12.39 and fellow American Aleec Harris remained unbeaten in the men’s 110m hurdles, running 13.16 to equal the year’s top time. Fast times also came from Jamaicans in the men’s 200 and women’s 100.Diamond League champion Nickel Ashmeade ran 20.25 to win the 200, and Elaine Thompson, already the year’s fastest, clocked 10.97 in the women’s 100. American Tyson Gay, who had been scheduled to run the 200, did not compete.–
26 Oct 2016 CONGU launches updated website The Board of CONGU® – the Council of National Golf Unions – has announced the launch of their new, updated website.Chairman, Jim McArthur commented: “This has been a long process with much thought being given particularly to the layout of the website and to how this would best serve our aims and objectives.“We have set out to make the site simpler to use and to be more instructional for both players and club officials alike. There are many players who are quite happy to accept the handicap system as it is without wishing to know in detail how it works, but there are also those who have a desire to understand the handicapping system better, and have often criticised CONGU for not making it simpler to understand.“Hopefully, the addition of the Quick Guides, and a complete online manual will help to address these criticisms, and we invite golfers and club officials alike to visit www.congu.com”Image © Leaderboard Photography
Young Sidney Rice was very impressive for the Vikings as he gave William Gay fits, grabbing 11 passes for 136 yards.The Steelers go into the bye week with a 5-2 record and will have extra time to prepare for the undefeated Denver Broncos. They would probably love to hand another undefeated team their first defeat, plus if they are undefeated when they face the Steelers, that will mean that they will have beaten rival Baltimore, taking them out of the title hunt. At 3-3, the Ravens desperately need the win to stay within striking distance of the Steelers and Bengals.The Bengals will also enjoy a bye week after destroying the Chicago Bears in one of the most impressive games of the season. They put it all together, offensively, defensively and special teams. Carson Palmer was flawless as he went 20 of 24 for 233 yards and five touchdowns. Two went to Chad Ochocinco who gathered in 10 catches for 118 yards while Cedric Benson kept the defense honest, compiling 189 yards on 37 carries, moving him back into first place in rushing yardage. The defense held Matt Forte to just 24 yards on the ground and forced Jay Cutler to the air 37 times, completing 26 for 251 yards. Barring a major injury, this team looks very impressive, they can beat you on the ground, in the air and defensively. The Steelers are going to have their hands full when they meet again at Heinz Field. The pressure will also be on the Steelers to continue to win because it’s going to take an exceptionally good team to beat the Bengals, if they continue to play the way they have in the first half of the season. Behind the two fourth quarter touchdowns by the defensive unit, a 77-yard fumble recovery by LaMarr Woodley and an 82-yard interception touchdown by Keyaron Fox, to secure a 27-17 victory, the Steelers (5-2) were able to keep place with the surprising Cincinnati Bengals (5-2) who embarrassed the Chicago Bears 45-10. The Steelers defense took matters into their own hands Sunday in the fourth quarter, not waiting for the sporadic offense. And even though the special teams tried to give it away they responded again with their second touchdown to remove the Minnesota Vikings from the ranks of the undefeated, while making a statement to the rest of the NFL that they are still the best in the game. TEXTBOOK TACKLE— Steelers linebacker James Farrior makes a textbook tackle on Vikings tight end Visanthe Shiancoe. GAME CLINCHER— Steelers linebacker Keyaron Fox is off to the end zone for a 82-yard interception return with one minute left in the game to clinch the win over the Vikings. FUMBLE RETURN— LaMarr Woodley of the Steelers picks up a fumble in front of the Vikings Brett Favre and returns it 77 yards for a touchdown in the fourth quarter. Fox also made a great play on the special teams before that series stopping Harvin in his tracks on a kickoff return, making sure he didn’t repeat his previous feat. The defense, headed by the linebackers, was outstanding throughout the game, bending, but not breaking, while holding one of the most potent offenses in the league in check. On the offensive side of the ball Ben Roethlisberger had a subpar game, completing just 14 of 26 passes for 175 yards while Rashard Mendenhall matched Peterson with 69 yards on just 10 carries. Hines Ward entered the game leading the league in receptions and yardage, but only caught one pass for three yards dropping him well behind the leaders in that race. Roethlisberger totally ignored him, going to Heath Miller six times for 38 yards, Santonio Holmes, two for 59 yards and Wallace three for 72 yards. The rushing game wasn’t much better, even though Mendenhall did look impressive at times. Willie Parker carried the ball once for two yards and Mewelde Moore four times for 14. OUT OF BOUNDS— The Vikings Benny Sapp applies a late hit to Steelers quarterback Ben Roethlisberger. Sapp was penalized for the infraction. The defense shut down the best player in football, Adrian Peterson, holding him to 69 yards on 18 carries and forcing Brett Favre to put the ball in the air 57 times, completing 34 for 334 yards while allowing just 10 points. But a sporadic offense and poor special teams kept the Vikings close. After Woodley scored the first touchdown in the fourth quarter to seal the game, they thought, the special teams gave up an 88-yard kickoff return by Percy Harvin, that pulled the Vikings back to within a field goal, 20-17, a three and out by the offense put Favre and company back on the field to pull out the victory like they had done so many games this season on their way to a 6-0 record. But the defense once again would have none of that as Dick LeBeau’s men put constant pressure on Favre, stopped Peterson cold and stuck like glue to the wide receivers. Then came the big play, Favre hit his receiver Chester Taylor, but the ball bounced off his hands into the air and Fox, subbing for the injured Lawrence Timmons at linebacker, grabbed it out of the air and behind a special escort from his teammates, ran it into the end zone, giving the defense 14 points in the fourth quarter. This has been the dead zone for the Steelers this season, they have done nothing in the fourth quarter until this game. The Cleveland Browns continue to be one of the worst teams in the NFL as they fell to the Green Bay Packers, 31-3. Derek Anderson was 12 of 29 for 99 yards, while Aaron Rodgers picked the Browns defense apart, going 15 of 20 for 246 yards and three touchdowns, with Ryan Grant picking up 148 yards on the ground. Cleveland will face the Bears this week.
Image Courtesy: Stumps and BailsAdvertisement f9ioNBA Finals | Brooklyn Vsbwk9lWingsuit rodeo📽Sindre E9( IG: @_aubreyfisher @imraino ) xklWould you ever consider trying this?😱c05Can your students do this? 🌚7pk4aeRoller skating! Powered by Firework Australian all-rounder Mitchell Marsh will be out for four to six weeks after suffering a fracture to his right hand. The fracture resulted after Marsh punched a wall in a fit of rage after his dismissal in a Sheffield Shield encounter.Advertisement Image Courtesy: Stumps and BailsThe injury means that Marsh will miss the start of the Aussie home season. The incident took place during Western Australia’s clash against Tasmania where Marsh took out his frustration with a punch on the dressing room wall after his dismissal.The all-rounder managed to suffer a fracture despite donning his batting gloves on, which gives a glimpse of the impact imparted by the punch. He managed to comment on this peculiar situation by stating:Advertisement “It’s a good lesson for me, hopefully it’s a good lesson for other people as well,” he told reporters.“It’s pretty uncharacteristic of me to want to punch a wall. I’m a pretty easygoing sort of bloke. The point I wanted to stress to the lads (was) that I was really sorry and it’s not an example I wanted to be setting.”Advertisement Read Also:Sourav Ganguly : Heading BCCI will be easier than captaining India!Echoing dominance : Indian women’s cricket team wraps up ODI series against South Africa 3-0 Advertisement
LITTLE SILVER – In a special school election held Dec. 11, voters in three boroughs approved a $17.3 million capital improvements plan for Red Bank Regional High School. The first proposal included a new roof ($4 million), renovation of existing facilities ($4.6 million) and the construction of 10 new classrooms ($7.1 million) for a price tag of $15.7 million in addition to state funding. Of the 2,186 votes cast on the first referendum question, 69 percent of the voters said yes, and 31 percent voted no. The second proposal centered on replacing Red Bank Regional’s grass football field with a multisport turf surface ($1.6 million) and upgrading the facility’s restrooms and concession stand ($730,000) for a cost of $2.3 million. Of the 2,170 votes cast on the second question. 59 percent voted yes and 40 percent voted no. Part of that presentation focused on the $4.9 million in state aid the school is expected to receive toward the plan. “I think you need to maintain the standards of the school,” Bill said. “The proposal for the artificial turf is a little bit of add-on, I think. But I can see how that ties into maintaining the infrastructure of the property.” Red Bank Regional Superintendent Louis B. Moore said the school community also reached more than 400 residents over that span, each time stressing that if the plan was not approved, the potential to cut school programming would increase and school taxes would surge. The rapid growth cut into enrollment at Red Bank Regional’s respected five academies by out-of-district tuition-paying students. Tuition revenue decreased from $4 million to $2.8 million during that time period. “The big takeaway for me, aside from the fact that both questions passed, is that both questions passed in all three towns,” said Red Bank Regional Board of Education member Frank A. Neary Jr. in a interview with The Two River Times Tuesday night. With these improvements, board member Neary said all the data and projections he and the board possess shows Red Bank Regional in a “good position for the foreseeable future.” “We have some wonderful academic programs. We also have some great specialty programs in our academies. These renovations are going to bring our facility up to speed. We have the programs, we have an incredible staff, now we’re going to have the facilities that will allow us to continue to grow. Red Bank Regional is on a roll,” Moore added. After 2023, costs are expected to drop to $12, $13 and $15 per year, respectively, school board officials said. All of their children have attended Red Bank Regional. Now their grandchildren are preparing to enter the high school, and the Hanrattys were both motivated to cast “yes” votes in Tuesday’s election. Moore said the focus of the improvement plan was always academics. According to unofficial results published Wednesday by the Monmouth County Clerk’s office, Red Bank Regional school district voters in Little Silver, Shrewsbury and Red Bank approved a $17.3 million plan for upgrades to the school’s academic and athletic facilities. The reason why, Moore said, is because enrollment is on an upward trend at the Ridge Road high school. Over the past four years, classroom space had become tight due to growing in-district enrollment. Each homeowner will have a different tax burden depending on the town they live in and the assessed value of their home. According to the school board, the average cost to Little Silver residents will be an additional $23 per year. It will be an average of $22 more in Red Bank and $24 more in Shrewsbury. Neary spent the last six months championing the improvements plan to more than 60 school district groups. Bill and Margie Hanratty have been Little Silver residents since 1978 when the U.S. Navy stationed Bill at Naval Weapons Station Earle in the Leonardo section of Middletown Township. “This was an overwhelming show of support from all three communities, and I think that’s because this is a reasonable plan that was well thought out,” Neary added. “We were clear about this from the beginning. The academic program came first,” said Moore, noting that Proposal No. 2 for the turf field could not pass if Proposal No. 1 failed. “We’ve supported Red Bank Regional for many years and we’d like it to maintain its reputation,” Margie added. “We’re not in perfect condition. And no- body knows what’s going to happen 10 or 20 years down the road, but we think for a good amount of time this is going to be a very reasonable plan. It’s not the perfect plan. But it’s a reasonable plan. And the administration and staff here can make it work,” Neary added. Residents were asked to weigh in on two questions in the voting booth.
For the first time in the entire Murdoch Division Semi Final against the Spokane Braves, the real Nelson Leafs stepped up.Travis Wellman scored three times and Kootenay Ice netminder Jason Mailhoit was solid between the pipes leading the Leafs to a convincing 7-2 shellacking of the Braves in Kootenay International Junior Hockey League playoff action Tuesday night in Spokane.Nelson wins the best-of-seven Murdoch Division Semi Final 4-2 and now hosts Beaver Valley Nitehawks in Game one of the divisional final Friday at 7 p.m. in the NDCC Arena.Game two is Saturday in Nelson.After failing to score in five periods of hockey, Nelson took a 2-1 lead after one period.The Leafs extended the lead to 5-1 after two before out scoring the Braves 2-1 in the third.Wellman, finishing the game with five points, snapped a three-game goaless streak with the trick Tuesday. Darnel St. Pierrie, Austin Seaman, Carsen Willans and Connor Tetlock also scored for the Leafs.Willans has four points while Linden Horswill also broke out of a point slump, finishing with three assists.Tyler Peltram and Tanner Stolz replied for Spokane which loss all three games at home.Nelson’s special teams also broked out of a slump, going 5-for-7 on the power play. At one point of the game, the Leafs were 4-for-4 with the man advantage.Mailhoit, back up for the Leafs throughout the series due to an injury to starter Brad Rebagliati, was thrust into the starting role when Nelson goalie Adam Maida injured a knee during Game five of the series Monday.Mailhoit, who played the season in the BC Major Midget League with the Ice, finished the game with 33 saves as Nelson out shot the Braves 42-36.Maida is out for the remainder playoffs.The status of Rebagliati is also questionable, forcing Leaf management to put in a call to Castlegar Rebels to see if rookie netminder Patrick Zubick was available.Zubick, who played two games for Castlegar during its series against Beaver Valley, lost both starts.The Leafs were once again without the services of leading scorer Jamie Vlanich, who suffered an upper body injury February 14 against Grand Forks.Status of Vlanich remains questionable for Friday’s opener.