On Sunday night, Hollywood celebrated its biggest night of the year at the 91st Annual Academy Awards in Los Angeles. The evening featured a number of notable storylines, from Spike Lee nabbing his first-ever Oscar for “Best Adapted Screenplay” (BlacKkKlansman) to Lady Gaga and Bradley Cooper‘s steamy rendition of their “Best Original Song”-winning hit “Shallow” from A Star Is Born.Among the night’s biggest winners was the Queen biopic Bohemian Rhapsody, which took home four awards including a “Best Actor in a Leading Role” statue for Rami Malek‘s portrayal of the band’s iconic late frontman, Freddie Mercury. Bohemian Rhapsody also took home awards for “Best Sound Mixing”, “Best Film Editing”, and “Best Sound Editing”.Related: Watch Queen’s Iconic Show At Live Aid & The Same Scene From ‘Bohemian Rhapsody’ Side By SideIn celebration of Bohemian Rhapsody‘s big night at The Oscars, the Academy recruited Queen and their current touring frontman, Adam Lambert, to open the broadcast with rousing renditions of “We Will Rock You” and “We Are The Champions”. You can check out the video of Queen’s Oscars performance below:Queen + Adam Lambert Perform at The Oscars[Video: ABC]On another amusing Bohemian Rhapsody note, Wayne’s World stars Mike Myers and Dana Carvey introduced the “Best Picture” nominee with a callback to their cult classic 1992 film’s iconic “Bohemian Rhapsody” sing-along scene. You can watch Myers and Carvey’s introduction below:Mike Myers, Dana Carvey Introduce Bohemian Rhapsody at The Oscars with Wayne’s World Callback[Video: ABC]In case this taste of modern-day Queen left you wanting more, you can catch Queen + Adam Lambert live this summer when they hit the road for their 2019 summer tour. You can check out a list of upcoming tour dates below or head to the band’s website here for more information.Queen + Adam Lambert 2019 Tour DatesJuly 10, 2019 – Vancouver, BC @ Rogers ArenaJuly 12 – Tacoma, WA @ Tacoma DomeJuly 14 – San Jose, CA @ SAP CenterJuly 16 – Phoenix, AZ @ Talking Stick Resort ArenaJuly 19 – Los Angeles, CA @ The ForumJuly 23 – Dallas, TX @ American Airlines CenterJuly 24 – Houston, TX @ Toyota CenterJuly 27 – Detroit, MI @ Little Caesars ArenaJuly 28 – Toronto, ON @ Scotiabank ArenaJuly 30 – Washington, DC @ Capital One ArenaJuly 31 – Pittsburgh, PA @ PPG Paints ArenaAugust 3 – Philadelphia, PA @ Wells Fargo CenterAugust 4 – Boston, MA @ Xfinity CenterAugust 6 – New York, NY @ Madison Square GardenAugust 9 – Chicago, IL @ United CenterAugust 10 – St. Paul, MN @ Xcel Energy CenterAugust 13 – Columbus, OH @ Nationwide ArenaAugust 15 – Nashville, TN @ Bridgestone ArenaAugust 17 – Ft. Lauderdale, FL @ BB&T CenterAugust 18 – Tampa, FL @ Amalie ArenaAugust 20 – New Orleans, LA @ Smoothie King CenterAugust 22 – Atlanta, GA @ State Farm ArenaAugust 23 – Charlotte, NC @ Spectrum CenterView Upcoming Tour Dates
32SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Scott Butterfield Scott is the Principal of Your Credit Union Partner, PLLC.Your Credit Union Partner (YCUP) is a trusted advisor to the leaders of more than 100 credit unions located throughout … Web: www.yourcupartner.org Details It’s December, and if you’re like most credit union leaders, your strategic plan is distributed, and the 2020 budget is approved. Before you know it, you and your team will be off and running to pursue the New Year’s goals. Another thing most of us have in common is a strategic membership growth priority. New members are needed to help us take loan and deposit growth to the next level. Specifically, who are you looking for?It’s surprising how many credit union leaders have a difficult time clarifying their ideal member(s). They usually come up short after they have called out younger borrowers, active checking account users, prime credit, middle income, homeowners, etc. The reality is in today’s competitive market, these general audiences are not definitive enough. Many then go to market with a limited universe that is too generic to be highly effective. Savvy marketers have a much deeper understanding of who they are reaching and why. First, they have clearly defined the ideal member i.e. product profitability, relationship profitability, referrals, how they access the credit union, etc. Second, they use data, analytics and demographic segmenting to refine their search further to reveal the ideal member. They leverage information to understand what drives the potential members decision making. They understand that every potential member does not live the same type of life. They segment markets into groups to understand their shared values and life experiences. These segments include geographic, demographic, financial behavior, and motivation that includes psychographics and social values. Thus, armed with this information, they align the consumer’s needs with the credit union’s products, purpose and strategic goals. This clarity allows them to invest their marketing dollars for the best possible result. Most credit unions would identify “younger borrowers” as a desired member, so we’ve laid out two examples of just how different this member can look.Ambitious Singles – is a demographic segment comprised of younger cutting-edge singles living in mid-scale, metro areas that balance work and leisure lifestyles.Annual Median income $75k-$100KHighly educatedFirst time home buyersProfessionals, upwardly mobileChannel preferences for engaging with brands (and their offers) is while watching or streaming TV, listening to their favorite radio apps or while browsing the web on their phones. They are also quite email receptive (but subject lines must be compelling)Families Matter Most – This segment is comprised of young middle-class families in scenic suburbs, leading family focused lives.Annual Median income $75K – $99KHave children 4-6 yrs. oldEducatedHomeownersChild-related purchasesCredit revolver and auto borrowers (larger vehicles)Go online for banking, telecommuting and shoppingBoth segments represent younger borrowers with similar incomes, but they have different loan needs, lifestyle priorities and preferences for engaging with a marketing offer. These are just two examples of the segmentation data that is available from Experian. The segmentation solution provides a framework to help credit unions identify the optimal customer investment strategy for each member segment. This framework helps the credit union optimize their marketing between differentiating segments. For some segments the investment may be directed toward finding the ideal member. Others may be made to find depositors. While many credit unions don’t have infinite marketing budgets or analytical resources, segmentation help marketers more efficiently and effectively pursue the best member or develop member personas to better resonate with existing members. The feedback we have heard from credit union leaders is that the solution is the best segmentation tool they have seen. Learn more about it here.What your team is up againstToday, credit unions face national competitors that are using state-of-the-art data analytics, first-rate technology and in-depth market segmentation to promote very attractive offers to win new members, deposits, checking accounts and loans. Their offers have a look, feel, message and offer that are relevant to the person receiving the offer. Here are a few recent “offer” examples that we have heard of that should give you pause:FinTech companies, like the Lending Club offering auto loan refinances (the offer provides an estimate of refinance interest savings). The ad we saw had an estimated monthly payment of $80. PayPal Cashback Mastercard® – with a $300 early use cash bonus and 3% cash back on purchases. High limit personal loans that take minutes to apply and to be funded. Banks acting alone or in partnership with a FinTech to offer online checking accounts with new account opening bonuses ranging from $300-$600. and of course, Quicken® Mortgage promoting low rates and fast and seamless origination. These are just a few recent examples from thousands of offers that are reaching your ideal member. Besides offering great rates, cash back, low fees and seamless service – these offers are guided by robust data analytics and consumer segmentation to reach and engage a well-defined, ideal consumer. Why it mattersThe 2020 race is on. Hopefully your team has clarity of the member(s) they want to reach, access to robust data analytics, in depth consumer insights, reliable credit resources and marketing tools they will need to compete in the toughest financial market any of us have likely ever seen. If you’re afraid that you can’t afford the right tools when it comes to marketing, consider what the dealer fee is for purchasing an indirect auto loan. What if the 2% or more fee was reallocated to finding organic loan growth with consumers you’re more likely to build a relationship with? Or consider the cost of consistently marketing to the wrong consumer segments with the wrong message, at the wrong time and in the wrong channels. What if you could increase your market engagement rate from 5% to 10%?Perhaps the best strategic question is can you afford NOT to have the best tools that support future membership growth? If you don’t win your ideal member, somebody else will.
SEYMOUR, Ind. – The Indiana Department of Transportation will host a public meeting this week focused on the state’s storm water program.The meeting is scheduled from 4 to 6 p.m. Thursday at the INDOT Seymour District facility, at 185 Agrico Lane.The storm water program is implemented by the Indiana Department of Environmental Management.As a significant contributor of storm water to Indiana waterways, INDOT has worked with IDEM to develop its own Storm Water Quality Management Plan in support of the highway department’s full application for a storm water permit from IDEM under general Rule 13.Acceptance of this plan would allow INDOT to fully function as a Municipal Separate Storm Sewer System throughout the state and be in compliance with state and federal storm water rules.